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

I am submitting a complaint to you today to inform you that I was the victim of identity theft. I studied on how to DELETE the fraudulent inquiries from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to REMOVE these inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of inquiries which 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

8. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several hard inquiries that I do not recognize. I have reached out to all three credit reporting agencies, yet they have declined to initiate any dispute or investigation regarding these inquiries. Attached here is an FTC report which clearly outlines all the unauthorized inquiries, including those mentioned in the personal statement section. I kindly request the removal of these inquiries from my credit profile. 

15 U.S. Code 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by a consumer ( 3 ) Information agency regarding inquiries, Except as provided in section 15 USC 1681g ( a ) ( 5 ) of the title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX 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: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account hat belongs to me. 

ACCOUNT # XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, MO XXXX PHONE # ( XXXX ) XXXX NATIONAL CREDIT MGMT Original Creditor XXXX XXXX  Balance {$4800.00} Date Opened : XX/XX/year> Balance updated on XX/XX/year> 2024
Product: Bank account or service

XXXX store # XXXX in XXXX, try paid with personal check, got decline bi TELECHECK COMPAY. I have money in bank. Called TeleCheck company ask what go on? answer because never pay with check the system take action. ( negative? ) -because try to use it pay via check? ( not fear )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX 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 XXXX # XXXXN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT NUMBERS LISTED ABOVE HAVE 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I received Letter confirmation from XXXX  XXXX XXXX after reviewed and found Fraud on my Card Applied for Unauthorized Increase line limit, so XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX to REMOVE the Unauthorized Hard Inquiry Made on My Report - XX/XX/2018 - XX/XX/2018 - XX/XX/2018 the above Hard inquiry date i have seen only on my Report of TRANSUNION, so i'm make this complaint cause TransUnion doesn't response on my previews mail has sent to them, they should little care about customer Credit but they didn't so i attached 2 letters from XXXX  XXXX XXXX and they already notified all of XXXX XXXX XXXX XXXX according wrote in letter and this is to confirm they remove this Unauthorized Hard Inquiry Made on My Report Please i hope this time TransUnion Response and little care about customer Establishing Credit
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I wrote a certified letter to XXXX, Equifax, and XXXX in regard to my private nonpublic information supported by 15 USC 6801. In the letter, I stated that I elect to OPT OUT of reporting information from XXXXXXXX XXXX and reporting information from XXXXDept of Ed protecting my right to privacy according to 20 U.S. Code 1232g - Family educational and privacy rights I elect to OPT OUT of reporting this private information.
Product: Credit reporting or other personal consumer reports

Please review the attached documentation. 

XXXX reported me as delinquent on my payments but failed to notify me of this. They claim to have several attempts, but I have documentation from XXXX XXXX and XXXX without any evidence of phone or mail attempts. This has negatively impacted my credit report. I am trying to purchase my first home and need this removed from the credit report.
Product: Credit reporting or other personal consumer reports

XXXX shows a 30 day and a XXXX delinquent statement when there is no account reporting that. I asked them to tell me what account is reporting that and all I get is a run around answer.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

Dear Sir/Madam : I am in serious need of help/advice regarding my auto loan with Santander Concumer USA and believe I am a victim of USURY - auto loan unfair lending practices.

While I have been going through a relentless battle to keep my car from being repossesed by Santander Consumer, I ultimately lost my battle on XX/XX/XXXX wgen they repossed the car out of my driveway in the middle of the night. Now they are attempting to collect an exuberant amount of money that they say I owe them. You will see by the information below that I have already paid they an enormous amount of money, almost 3/4 of the price I purchased it for and now, after the repossession and sale of the car, they say I still owe them a little more than the original price I paid for the car.

Below is my story, I sincerely hope you can help me, or refer me to someone who can.

I bought a car while living in Florida in XX/XX/XXXX. I had really bad credit, and had only had a consistent job for a couple months, and was living in the homeless shelter system for just about two years -- but the Auto Dealer at XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, FL ) assured me that he could get me a loan with a down payment - even though everyone else had turned me down. He obtained the loan through Santander Consumer USA. He never checked my work history, or my residence history and I drove out of the lot with the car.

At the time I had no idea what type of contract I was signing, but being so desperate and needing a car, I trusted that the auto dealer was doing the right thing for me. As it turned out, that was not the case, and I am now paying a serious price for that unwarranted trust.

I had been paying for this loan since XX/XX/XXXX, and just about every payment I was able to make was going to Interest. I got behind in payments on and off, because I really could not afford the car, because I had been in and out of jobs and barely surviving. And Santander misled me in believing the extensions they gave me would help me -- when in reality it was just another bad tactic and way for Santander to abuse my hardship to their advantage by attempting to collect more interest from me.

To date, here is the status ( see below ).

Bought Car for ( amount financed ) : {$14000.00} Interest Rate : 17.16 % Monthly payment amount : {$330.00} Total Payments made to date : {$9600.00} Payments went to Interest : {$7800.00} Payments went to Principle : {$1700.00} Before repossession they say I still owed on the car : {$14000.00} After repossession and sale of car, they say I now still owe : XXXX - ( per letter dated XX/XX/XXXX from them ) At this rate, there is just no way I could ever pay that -- and even if I did, I will then have paid over double what they sold the car to me at -- and still have no car to show for it.

Do I have any recourse - please tell me I do?

I truly appreciate any advise or referral that you can offer me in trying to resolve this.

Thank you,
Product: Checking or savings account

On XX/XX/2023 I withdrew {$10000.00} from my account at XXXX in the form a Cashier 's Check. I then walked across the parking lot to Bank of America to deposit it into my checking account, which I have had for over twelve years. 

At the time I deposited it, I was informed that the bank might put a hold on half of it, but {$5000.00} would be credited to my account right away because in their words, " it's the law. '' Later that same day I was informed via email that Bank of America had put a hold on the entire amount until XX/XX/XXXX. The reason given was : " A hold was placed on your check ( s ) because check specific information indicates item may be returned. '' I called the bank and was told there was no way to get the deposit cleared earlier. 

Had I been informed that the bank was going to put a hold on my money, I would have walked back across the parking lot to get cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax still will not allow me to login to their website. The only option it seems is to call them, but lets say that hypothetically I was a hearing impaired person. Would the fact that the only method they provide to me be a phone call ( no email or chat support at all ) not be in clear violation of my rights?
Product: Credit card

Chase is the program XXXX for my XXXX XXXX XXXX credit card. I called Chase and spoke with a benefits representative on XX/XX/XXXX and asked about my XXXXXXXX upgraded boarding benefits as part of the XXXX XXXX  XXXX  before I took a flight on XX/XX/XXXX. She said to go ahead and make the {$35.00} purchase, and the charges would " fall off '' my card in the next billing cycle. 

My flight departed on XX/XX/XXXX and returned on XX/XX/XXXX. I was charged {$35.00} for each flight for upgraded boarding ( {$70.00} in total ) as I was instructed to do by the Chase representative. A couple of months later the charges had still not been removed from my card and Chase began charging me late fees and interest rate fees. I have called their customer service department and spoken with a supervisor XXXX times over the past XXXX months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), and they have refused to remove the charges or take any responsibility despite the fact that they have all calls recorded and openly admitted/apologized for the false information provided by their benefits representative. 

As of last month, they have now moved my credit account to a delinquent status and subsequently reduced my XXXX XXXX XXXX by XXXX points and degraded my credit rating from excellent to very good. This has caused detrimental financial impact to my capability to secure better interest rates on purchases all which was caused by inaccurate information provided by their team. This irresponsible behavior by a financial institution is completely predatory, unprofessional, and unacceptable.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

My mortgage company never updated my mortgage account They still put me in forbearance plan I never ask for it!! 
I been paying my monthly regular I keep trying to contact them about this matter!! 
But always system still updating your account. 
Been like that over 3 month This is not right!! 
They need to make my mortgage current!! 
To check everything online Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ran some report with Checkr in 2018 that shows nothing wrong with my background and is still denying me based on my background. 

I am being discriminated against for some odd reason. 

I work at XXXX XXXX which requires more than an XXXX job
Product: Debt collection

I found out that  XXXX  has a judgement against me when I was trying to get a mortage ... .I knew nothing of this-it was a complete shock.On  XXXX / XXXX /  XXXX   a judgement was filed in court..I have tried calling and writing  XXXX , and no one answers me -- -- I do n't even know where this debt is from-I became  XXXX  10 years age so I always rent and have only got a car, so there is no big items I bought. There is also some lawyers on the judgement named  Rubin and Rothman  who I also tried contacting and again no answer. The amounts from the  XXXX  also varies. R and R has {$1200.00} per the  court  house -- -- - XXXX   is  a little over {$1000.00} ... ..How can I deal with these people -- Thank-you  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have XXXX closed credit card accounts with XXXX XXXX XXXX XXXX that have been closed since XXXX. However. Both accounts are still reporting new late payments monthly to all 3 credit reporting agencies ( XXXX, equifax, XXXX ). Not only are they reporting new monthly late payments on closed accounts but they are not reporting correct and complete information to all 3 CRAs. For example. There are multiple open dates, last active dates, last date of payments ect showing for each CRA. I will attatch a screenshot from Identity Iq showing late payments from XXXX as well as alll of the inconsistencies between the bureaus thats being reported. As well as an invoice for each violation and innacurate and/or inconsistent item furnished on each CRA. Ihave reached out to XXXX XXXX Multiple times about having the accounts removed as well as all 3 credit reporting agencies.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX, Experian, and XXXX has been reported as follows : XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$2200.00} ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF UNPAID. XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS CHARGE OFF UNPAID. 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

XXXX, XXXX XXXX, was aware of a unique situation regarding property. Home was declared and discharged in bk XXXX. People obtained entry and later title to the home through fraud. They claimed they moved out, but didn't, after being in the home many years. This caused me to be sued by the HOA. I had to file bk in XXXX, partly because of this and legal bills. My trustee made me claim the home as an asset???, then treated occupants as the owner, when they filed bk they were allowed to remain and still are in the home because they used the homestead exemptions. The committed fraud, case in XXXX XXXX. Well apparently, the title changed hands to HSBC They continue to allow these fraudsters to remain in the home and filed an eviction case against myself and my ex husband. I sent a demand letter requesting my judgement lien be paid and explanation as to what and why they are doing what they are doing. Well over a month ago, no response.