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

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX Balance : {$900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw inquiries on my Transunion credit report. I called their customer service number to speak to a representative and tell them that you have been a VICTIM of their inquiry issue. They would not help me. The Inquiries are listed below. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/2018
Product: Credit reporting or other personal consumer reports

I disputed the accuracy of the account and around XX/XX/year> you certified to XXXX the information was accurate. I believe you failed to conduct a reasonable investigation and for that reason i am requesting the following information. 
Retail Installment Sales Contract/ Lease Agreement/ Auto Loan Contract Include any Arbitration Provisions Complete Accounting and Payment History Notice of Sale/ Notice of Default w/ proof of mailing Explanation of Calculation of Surplus or Deficiency w/ proof of mailing Notice to redeem personal property w/ proof of mailing Details regarding whether the sale was public or private Please provide proof {$8500.00} was written off. Please provide charge off disclosure and date it was charged off, provide documentary evidence of how the account is now {$9200.00} past due. 
Although i was only a co signer at the time i am requesting all accounting records and documentary evidence. I believe the account is reported inaccurately because the account by commercial standards was a credit sale and no money was loaned to me or on my behalf. Please also provide all assignments and transfers. To my knowledge it is unlawful to use the property as collateral for a receivable. To my knowledge the security interest secured all that was owed. I believe you are engaging in unfair and deceptive trade practices. I didnt apply for a loan from you and you gave me and the buyer cash for the car. This was a consumer credit transaction derived from a CREDIT SALE. Please be aware that you have a fiduciary duty to perform and your failure to perform constitutes negligence and a restraint on trade. I entrust that you will conduct a reasonable investigation into the inaccurate, incomplete, and unveried information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXXXXXX XXXX Account Number # XXXX XXXX XXXX Account Number # XXXX XXXXXXXX XXXX Account Number # XXXX XXXX Account Number # XXXXXXXX XXXX XXXX Account Number # XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number # XXXX DEBT OF ED/XXXX Account Number # XXXX XXXXXXXX XXXX XXXX  XXXX Account Number XXXX XXXXXXXX XXXX XXXXXXXX Account Number # XXXX 15 U.S.C 1681 section 602 A. States I have 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, credit repair services, or other personal consumer reports

I submitted a complaint online with Equifax and received an email telling me the dispute was resolved and to check my results. I tried checking results online and the system keeps telling me my information is incorrect and won't let me access my results. I then tried their automated phone system which asked me for my 10 digit confirmation number. Each time I entered it CAREFULLY it told me it wasn't 10 digits - it WAS!. I then called and was asked about 7 security questions, giving them exact info off my various statements and they would tell me my info was incorrect - even though I was reading it directly off the statements. Finally pass this test and they tell me that the address on my utility bill I submitted matched what was on file for my address and the woman even read what was in the file - how do I get through to these people who are clearly working in another country that my address, although it has one part of it that has the same name as the address on file, is not the same as the one on file. The address on file is 2 miles away, I have never lived there, and I get mail delivery problems all the time  because it is a similar address, but it is NOT my address nor has it ever been my address.
Product: Credit card or prepaid card

I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT. UNDER 15 U.S CODE 1681C-2 THE FOLLOWING SHOULD BE REMOVED AND BLOCK XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had applied for and received a HELOC in XX/XX/XXXX through XXXX XXXX. At that time I received notification that my credit score was XXXX supplied by Equifax. Subsequent to that I refinanced my primary mortgage and in order to do so, I needed to close out the HELOC, which I did on XX/XX/XXXX. In XX/XX/XXXX, after I had refinanced my primary mortgage, I applied for a HELOC with XXXX Bank again. On XX/XX/XXXX my credit score was reported by Equifax to be XXXX which XXXX Bank used to lower my tier and increase the rate. 

I made several calls to XXXX Bank and to Equifax to obtain the exact information sent from Equifax to XXXX Bank on XX/XX/XXXX and XX/XX/XXXX because my credit report did not show any major events in that time period. In fact, in that timeframe, the closing of the primary mortgage had been reported but the new loan ( the refinanced mortgage ) had yet to show up on the credit report. So how could only that information cause an almost XXXX point decrease in my credit score. 

I was told several times from Equifax that they only provide the information and the score is calculated by the bank, XXXX Bank in this case. I was hung up on and told that they could provide my current credit score but not the score as it existed on XX/XX/XXXX. I was even told that there was no hard inquiry from XXXX Bank on that date, which a look at my credit report will show is a lie. All this time they knew that erroneous credit scores had been reported. 

This was not just an error, this was a deliberate attempt to mislead a consumer and to obfuscate the failure of Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been making payments to Tower Loan XXXX  for an account with them that was in closed status. In an attempt to correct and pay I debt off in order to purchase a home, I made arrangements to pay the company. The company has since only reported one payment and I have paid off the balance of the account. I would like the incorrect information to be removed promptly as it is hurting the process of purchasing a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern,From XX/XX/XXXX to XX/XX/XXXX, the credit card company named XXXX XXXX/XXXX  XXXX   reported to the credit bureaus that I was late on my payments for 30 to 150 days. This information is incorrect because I specifically asked a representative to set up automatic payments on my account to avoid any delinquencies or past due amounts.The representative failed to set up the automatic payments; however, I wasn’t aware that the payments were not automatically coming out of my bank account. In addition, the company never sent out my bills in the mail nor did they attempt to contact me about my account. Therefore, my account should have never been reported as late because the company failed to do their job and inform the customer about any issues.
Product: Checking or savings account

Since XX/XX/XXXX I have been unable to access my Citibank Online Banking. After several calls to the Call Center they told me that my account was under review and after 60 days they were going to send me a letter stating the reason for closure and a check with the funds in the account. The review began on XX/XX/XXXX. After the 60 days I contacted them almost every day, but they do not give me an answer and the operator tells me " I have no info to give you, I will proceed to end the call ''. In some calls, I was told that I would receive the check within 5 days, but it never arrived. In other calls, I was told that they had sent me a wire transfer to the account from where I sent the funds to citibank, but it never arrived. 
My personal banker does not answer my emails and does not answer the phone. 
On XX/XX/XXXX I received an account statement saying that the checking account was closed since XX/XX/XXXX, the same day that a debit was made for " Other Withdrawal ''. The Savings account is not closed, but has a debit with the same date " Other Withdrawal ''. 
In the Checking account I had {$20000.00} and in the XXXX account {$7000.00}. 
I opened the account in XX/XX/XXXX at Citibank in XXXX, XXXX XXXX. The branch at XXXX XXXX XXXX. 
I understand that Citibank can close my account, but what I don't understand is why they won't give me back the funds I had in those accounts.
Product: Checking or savings account

Citizens bank allowed recurring transfer to go through after account was closed. Now the transfer and my account login is deleted so I need the {$10.00} sent to me via check.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and complaint the negative mark that Santander Consumer USA has reported on my credit report regarding the repossession and sale of a vehicle. The vehicle was sold at auction, and Santander also filed an insurance claim under the " known loss '' provision and received compensation for the vehicle. Despite having received funds from the auction sale and an insurance claim, Santander has reported a derogatory mark on my credit report. This is both **inaccurate** and **unjust**, as it suggests I still owe a deficiency, when, in fact, the vehicles value has been recovered through both the auction process and the insurance claim. 
Under the **Fair Credit Reporting Act ( FCRA ) **, creditors have a legal obligation to report accurate and complete information to credit bureaus. The current negative entry on my credit report does not reflect the full financial recovery Santander received through these two sources and is causing significant harm to my creditworthiness. I demand that Santander **immediately remove this negative mark** from my credit report. Please treat this as a formal dispute of the information reported to the credit bureaus. I request written confirmation within **30 days** that the negative entry has been removed from my credit report. Failure to correct this issue will result in my escalating the matter to federal agencies, including filing complaints with the **Consumer Financial Protection Bureau ( CFPB ) ** and the **Federal Trade Commission ( FTC ) **, as well as pursuing other legal avenues available to me.
Product: Vehicle loan or lease

As a result of the most recent winter storm in which impacted the Texas area, my place of employment was closed. I, XXXX XXXX contacted Santander Consumer in regards to Account # XXXX in efforts to seek deferrement options or repayment plan. In XXXX, I was granted an extension and since my place of employment sustained extensive damages and was still unable to reopen, I once again contacted Santander once again on XX/XX/XXXX. I spoke to a representative who advised me another extension was granted. 

As it stands today, we have still been unable to reopen due to these damages but I borrowed funds to make my XXXX payment. I contacted a representative at the above referenced company and was advised that even though I was told a payment extension was and would be granted in XXXX that was no longer the case. I am now 40 plus days in the arrears and payment needs to be rendered immediately in the amount of {$1700.00}. The payment must be rendered and will report derogatory on my consumer reports. 

Appalled and devastated I requested to speak to a supervisor who relayed the same information. My extension was not granted due to the call being disconnected. My place of employment is scheduled to reopen this weekend for the first time since the storm ended. I work in a restaurant and we have been devastated by both the pandemic and now the storm. I requested the originally extended repayment option be applied to no avail. I was able to render one month payment in the amount of {$56000.00} but unfortunately I'm not able to render any additional payment until after I commence work. The company has poor ethics and very insensitive to the needs of its consumers. These practices should be deemed predatory as their primary objective appears to be to repossess the cars of unfortunate customers who unwittingly agree to utilize their services.
Product: Money transfer, virtual currency, or money service

XXXX online payments have not been processed XXXX, XX/XX/23 in the XXXX  of XXXX, XXXX  XX/XX/23 in the XXXX  of XXXX, nor on XXXX  XX/XX/23 in the XXXX  of XXXX. A Huntington bank associate told me they dont process payments on weekends but I didn't think TXXXX XXXX nor XXXX  were non processing days. I don't understand XXXX. I was also told by a Teller in person their processing day after the XXXX  is XXXX. XXXX XXXX XXXX dates are also misconstrued or altered.
Product: Debt collection

The account they said was mine, was : # : XXXX. I no longer have any papers that tell me what my account was 2 or 3 years ago with USAA. The following is a copy of the email I received. 



Final Notification Warning Hi ( my email address ) We sent you an alert concernig your US accunt on XXXX We are your having trouble verifying your billing details stored under your profile. We have limited your ability to use your XXXX due to mssng billi % RANng infrmation.. 

Nte : *Required information must be received within 48 hrs. 
Ntificatin Date : XXXX This will serve as last and final ntifictin for you to fix this error and avid suspensin. 

Click Here To Cntinue And Reslve Nw Thnk you, US RF D : XXXX Go Paperless Go Paprlss Review and edit your online document preferences at usaa.com. 

USAA Community Go Mobile XXXX XXXX XXXX XXXX More Please do not reply to this e-mail. 
To contact US, visit our secure contact page. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, Texas XXXXXXXX XXXX XXXX
Product: Checking or savings account

They have big problems you can not call Phone number goes to a Phone solicitor Fraud System Try it you'll like it General account information XXXX ( XXXX )
Product: Credit card or prepaid card

I received a prepaid card from Brinks at my address with my info in the mail today. I have recently been a victim of identity theft in another state claiming unemployment under my social security number so to receive a card that I never applied for needs reported.
Product: Credit reporting or other personal consumer reports

unauthorized inquires on my report!! 
XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit card

On XX/XX/2024 I applied for a business credit card at XXXX XXXX XXXX XXXX. 
XXXX XXXX, NY XXXX. 
I have been a member for almost a year. I have a business checking account with them along with a personal saving account & a personal checking account. XXXX weeks pass by & I ask for the results of the decision. They could not provide me with one. I continued to contact the relationship banker on this matter until finally after another week & a half, they told me that my application for business credit was denied. I asked for a notice of ADVERSE ACTION ( EXPLAINING THE REASONS FOR THE REJECTION ) They did not reply. After multiple unsuccessful trying to get this letter/notice, I called XXXX customer service & explained to them that my consumer rights where violated by them not providing my letter of ADVERSE ACTION. They then scheduled a in person appointment with the branch XXXX XXXX XXXX. The branch manager called me to tell me that the appointment was cancelled by her & there was no need for us to speak. I told her by law that they was to send me a letter/notice of adverse action within XXXX to XXXX business days after the rejection. She quickly dismissed the subject an hung up the phone. 

This particular bank has violated my consumer rights. 
Date and Time : XXXX, XX/XX/2024 - XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, NY XXXX ( XXXX ) XXXX Banker Name : XXXX XXXX Appointment Type : Client Service Confirmation Number : XXXX I need them to provide this information under the law : FCRA section 701 ( d ) ( 6 ) of ECOA The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq
Product: Debt collection

I had an account through XXXX in 2019, I got a few items totalling {$500.00}, I made my payments and noticed that my account information was incorrect so I emailed customer service. I told them that I had been making the payments but the balance wasn't going down, I received an email from customer service saying that my account was paid in full. In the last year I have been getting harassed by phone, email and letters from Midland Credit Management saying that I have been turned over to collections and that I owe the full {$500.00}. I tried to dispute the claim on XXXX XXXX and was told that the debt is valid and that I have to pay it. I told them that I have the email from XXXX saying that it was paid in full and they said it's not possible. I contacted XXXX customer service and asked them about the issue and they said that I have to deal with MCM now. I told them that I believe it's fraud because I have the email they sent stating that it's paid in full but they then turned it over to collections like I never made a payment, they stopped responding to my email when I said it was fraudulent. MCM calls my home and cell phone multiple times a week, I have tried to send them the email from XXXX but the email address they harrass me from isn't monitored and they refused to give me an email address to send it to.
Product: Debt collection

N accordance with the Fair Credit reporting Act of XXXX XXXX  XXXX 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 604A. It also states a consumer agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am not associated with the listed creditors, and the inquiries do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX VA  XXXX # XXXX has violated my rights. 

15U.S.C 1681 Section 602A.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: Debt collection

i requested for infomation about the debt and i was ask to pay money before any information was given to me and i even sent i written note with attach insurance card
Product: Debt collection

According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, Non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.