23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed a letter to Transunion disputing several accounts reporting on my credit file that were reporting erroneously. I asked them to verify the accounts and validate that they in fact belonged to me as well as are reporting correctly. I received a response from Transunion on XX/XX/XXXX stating all the accounts were verified. It is required by the FCRA that when they verify accounts they send whatever documentation, such as a signed contract, they have received to the party disputing. They did not do this. I sent a letter on XX/XX/XXXX requesting this documentation. On XX/XX/XXXX I received another response from Transunion stating they had validated the accounts again, but they failed to send the documentation they were required to send and I requested. On XX/XX/XXXX, I sent a final letter requesting this documentation again, asking they respond within 15 business days since they have had over 90 days to produce this documentation and as of today XX/XX/XXXX, they have NOT produced this documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX for XXXX XXXX Account name XXXX XXXX XXXX for XXXX XXXX XXXX has violated my rights. Sharing my old phone numbers and addresses 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

on XX/XX/2016, my husband and I purchased a home. We put down 20 % and have an FHA loan. We are currently paying {$220.00} PMI. We wanted to have the PMI removed because we now have over 30 % equity in our home. Our loan was with XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and is now with XXXX XXXX XXXX XXXX. I've requested the removal of this last year with XXXX XXXX but was denied. I don't think that it's fair, that a consumer who has more than 30 % of the equity in a home, have to continue to pay these fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau Experian was hacked late XX/XX/2018 and failed to provide notice of compromised accounts. Disputes of inaccurate information still being validated when they know information has been compromised. 
XXXX  dispute has been on going for more than 6 months with no response from the agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The account list below violated my federally protected consumer privacy and confidentiality under 15 USC1681. account XXXX This company violated my constitutional right. This account is paid in full. I attempted to dispute this with no results
Product: Student loan

I originally had multiple loans serviced by AES. I have always paid on time and have never been delinquent. In XX/XX/XXXX all but one of my loans serviced by AES were transferred to XXXX. 

My automatic payment was already processing to AES which included the payment to loans now serviced by XXXX. Before they were due in XXXX, I emailed AES on XX/XX/XXXX to request {$720.00} of the {$800.00} payment forwarded to XXXX to cover the loans they are now in charge of. I recieved the following confirmation from AES : " Thank you for contacting American Education Services ( AES ). A request has been submitted to have only {$720.00} of the {$800.00} payment forwarded to XXXX. Please allow up to ten business days for this request to be processed. '' As of XX/XX/XXXX, no payment has been forwarded from AES to XXXX, and we are well past the 10 business day timeline they committed to in XX/XX/XXXX. I have been in contact with Navient multiple times to explain the situation throughout XX/XX/XXXX and they have our conversations documented ( so do I ). I am now trying to pay just my XXXX loans for XX/XX/XXXX but they won't allow me to pay unless I pay both XXXX an XX/XX/XXXX, which is a substantial amount for me. I don't know what to do.
Product: Student loan

I'm currently in school and I took out student loan and its showing on my credit report and it stops me for doing a lot of things because of the inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit file and I noticed that there are addresses that do not belong to me and several other accounts information that is not correct. On or around XXXX or XX/XX/2020 I had a few late payments from the following companies : XXXX XXXX XXXX ( COVID ) XXXX XXXX XXXX ( COVID ) XXXX XXXX  XXXX XXXX ( XXXX ) DEPT OF EDXXXX XXXX ( COVID ) I have a few accounts that are showing me 30-60 days late and at the time my income was affected by the Pandemic shut down. I am aware that the CARESACT was allowing for consumer protection under the CARES act with creditors offering accommodations. I have on paid on my accounts are showing late pay I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile. 
The following addresses are not correct and do not belong to me please delete : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im truly dismayed to see that there are SEVERAL fraudulent and unauthorized credit inquiries that I NEVER permitted on my credit report. I do NOT recognize ANY of the following inquiries and I am METICULOUS when it comes to managing my credit and finances. Please REMOVE these unauthorized inquiries at ONCE!

The following credit bureaus are reporting these unauthorized inquires XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ADVANTAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a checking account with Bank of America XXXX XXXX branch at XXXX XXXX XXXX, XXXX XXXX, CA on XX/XX/XXXX. I was misguided to open this account under the pretense that having an extra checking account with a low balance will provide extra protection against fraud. This account was left idle and never used for any Banking purposes since I already had a regular checking account and a savings account prior to this checking account opening. 

Little did I know that a monthly maintenance fee of {$25.00} was charged likely since the opening of the account. I can't access the full account transaction history to verify when the first charge was made. I can only view the monthly records from XX/XX/XXXX to XX/XX/XXXX. From XX/XX/XXXX to today, a {$25.00} maintenance fee was charged and a XXXX cent interest was posted to this account. No other transactions occurred on this account. When I called Bank of America, the service rep, XXXX from Washington, verified that she could see further back to XXXX and the same pattern existed ; Bank of America charged me {$25.00} in fee every month for 3 years. She couldn't see further back to the account history to find out when the first maintenance fee was charged. 

I would like to file a sales practices and UDAAP complaint against Bank of America. I was not notified any account maintenance fee at account opening time. Nor did I ever needed this account had it not been for the banker to talk me into it. I would like Bank of America to refund all the maintenance fees ever charged to this account in full and close this account. I am outraged with their misconduct. This account bears no other transactions initiated by me. It shows a clear trail of Bank of America 's greedy operations of charging {$25.00} fee to an account that was never used by the customer month over month for many many years without even a notice to the customer. 

Thank you.
Product: Debt collection

1. it is past statute of limitations. 
They claim it is from XX/XX/year> ( 2. it is not my bill )
Product: Credit card

Capital One has refused to work with me at all, despite medical issues affecting family members and myself. I generally am a person who pays my credit card bills in full, each and every month. Having interest pile up is highly discomfiting to me. As such, I have worked as hard as possible to pay off as much of my balance as possible on my Savor One card. However, they have been inflexible and not understanding when it comes to these issues. My requests for credits on my interest charges have resulted in stonewalling and a lack of proper information. I am surprised to see this callous response from Capital One, whom I used to hold in such high regard.
Product: Credit reporting or other personal consumer reports

Since XXXX is still reporting on my activity they are responsible to fix my credit reports. As recent as XX/XX/XXXX. 

XXXX has been and continues to report incorrect information on my credit report to all three credit reporting agencies. 

Since XXXX is still reporting on my activity they are responsible to fix my credit reports. As recent as XX/XX/XXXX. 

See my 3 credit report document attached. 

If this is not a XXXX issue, why is XXXX still reporting on my credit reports ; as recent as XX/XX/XXXX. The loan was transferred to XXXX on XX/XX/XXXX. 

There are a minimum of 8 items that need to be corrected on my credit report, XXXX is responsible for everyone of these items. If they are not fixed XXXX and Experian, XXXX, XXXX are violating the FCRA. 

Item 1 ) XXXX  reporting of account numbers are not the same between the CRAs. 
Item 2 ) The last date reported in XX/XX/XXXX on two and XX/XX/XXXX on XXXX, XXXX has been reporting in the last month. 
Item 3 ) Balance owed is wrong between agencies. The loan was at a {$0.00} approved in XX/XX/XXXX by department of education. 
Item 4 ) If XXXX transferred the loans to XXXX the close date would be XX/XX/XXXX and the dates of on the credit reports from XXXX are XX/XX/XXXX and XX/XX/XXXX. 
Item 5 ) Account not in dispute? This account has obviously been in dispute for years. 
Item 6 ) Payment Status is not the same across the board how can I pay as agreed in two CRAs and incorrectly late in another? 
Item 7 ) Date of last payment is incorrect! My last payment was XX/XX/XXXX. See documentation. 
Item 8 ) Two Year payment history incorrect. I was under the COVID-19 relief of payment per Department of Education and the CARES/HEROES Acts. No late payments since before XX/XX/XXXX. 

Fix my credit report asap!!! Since XXXX is still reporting on my activity they are responsible to fix my credit reports.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

In reference to SANTANDER CONSUMER USA recent CFPB response dated for XX/XX/XXXX, XXXX SANTANDER CONSUMER USA states that " We have reviewed the account and we are unable to locate communication with you on XX/XX/XXXX. '' Attached to this complaint is all evidence of the correspondence between myself and SANTANDER CONSUMER USA. Please find the XX/XX/XXXX letter USPS certified mailing number XXXX, and this letter was received by SANTANDER CONSUMER USA on XX/XX/XXXX at XXXX. Also Please find the XX/XX/XXXX letter USPS certified mailing number XXXX, and this letter was received by SANTANDER CONSUMER USA on XX/XX/XXXX at XXXX. A copy of the the original receipts from the USPS confirming the proof of mailing and copies of the USPS tracking information confirming the proof receipt from SANTANDER CONSUMER USA has been provided for review for the CFPB and SANTANDER CONSUMER USA as well. SANTANDER CONSUMER USA agreed to terminate the previous agreement with me and to remove the alleged lien on said property : XXXX XXXX XXXX Vin number # XXXX in the XX/XX/XXXX agreement. SANTANDER CONSUMER USA agreed on these term XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with an accurate consumer. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX - Account Number:XXXX XXXX
Product: Debt collection

Had a call from a debt collection agency by the name National Enterprise. This rep/so called manager " XXXX XXXX, Ph. XXXX EXT. XXXX " was so rude and very unprofessional. He intimated that he was calling on behalf of XXXX XXXX and that, my loan is delinquent. I told him, l was currently unemployed and looking for a job and as soon as l find one, l will resume my payments. This guy will not listen to simple explanation! He proceeded to obtain information about my wife. What she does for a living etc, and if l have a XXXX to draw from to pay the debt? He went on to threaten me that, if l do n't pay the debt, l will find myself in a " tight spot ''. I had to finally hung up but he proceeded with few more calls to my home thereafter. Are there no laws protecting citizens who owe student loans anymore? What type of society do we live in now?
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Coinbase will not allow me access to my funds, they will not respond in any manner whatsoever. I have attempted multiple times to contact them even going as far as having a friend who has the CEO XXXX XXXX 's personal email reach out in an attempt to get access to my money. XXXX XXXX actually responded and ensured my issue would be escalated, however, noting ever transpired.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX. XXXX XXXX ) XXXX Balance : {$940.00} ; XXXX XXXX XXXX XXXX XXXX : {$210.00} ; XXXX XXXX XXXX XXXX XXXX : {$220.00} ; XXXX XXXX  XXXX XXXX XXXX : {$3000.00} ; XXXX BANK XXXX XXXX XXXX : {$4400.00} ; XXXX XXXX XXXXXXXX XX/XX/2022.
Product: Credit card or prepaid card

Chime bank sent a card with a full account created. Trying to close this, but there is no one to call. The one number they provide is a bot, and nothing matches to the account anyway. They are very hard to get a hold of. It seems this is a common theme with this bank. There is lots of fraudulent accounts being opened. Luckily the card was sent to the office. None of the other info seems to match as I can tell yet. No idea who set up this fraudulent account.
Product: Credit reporting or other personal consumer reports

I am requesting the removal of these accounts and inquires that are unauthorized from my credit report. Down below I have listed the inquires and charges that have been inaccurately reported on my credit report. Also for the removal of the inaccurate information on my personal information. 


1. XXXX - XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX XXXX. XXXX - XXXX XXXX Date opened XX/XX/XXXX XXXX. XXXX - XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have relentlessly tried to fix this issue and for some Ive yet to get a response another response is that theyre unable to find an account for me due to recently obtaining a SSN etc.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of above accounts has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I noticed a fraudulent account on my credit report per following XXXX XXXX  open date XX/XX/year> current balance XXXX XXXX account number XXXX