23daVinci/CFPB_Complaints huggingface dataset:
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. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX  XXXX Balance : {$310.00}
Product: Checking or savings account

On XXXX I deposited a check in the amount of {$5300.00} in person at the XXXX XXXX branch of Santander Bank. I sold my car and the check was written by a well respected dealer in the area, XXXX. The next day none of the money was available or the next day. I was not notified and it wasn't until I called that I was told I wouldn't be able to get the money for over 5 business days. They could not tell me why, " security precautions '', and now I have no car. 

I still do not have the money today, XXXX, and I have no idea when I will get it. Who is making interest on my money right now? Not me. I needed that money to buy another car. 

I want my money, and I want to know what I did to not be able to access it. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 
On XX/XX/2023 and again in XX/XX/2023 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy. 

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Credit reporting or other personal consumer reports

I HAVE SOME ITEMS REPORTING ON MY ACCOUNT THAT SHOULDN'T BE THERE. I HAVE SENT DISPUTE LETTERS TO THE CREDIT BUREAUS TO RESOLVE THESE ISSUES TO NO AVAIL. 

THE FOLLOWING INFORMATION BEING REPORTED ON MY PERSONAL CREDIT PROFILE THAT I WOULD LIKE REMOVED ARE INACCURATE ADDRESSES, INCORRECT NAMES, AND A PUBLIC RECORD THAT SHOULDN'T BE THERE AND IS INACCURATE. THESE ITEMS ARE KEEPING ME FROM OBTAINING CREDIT AND I WOULD LIKE TO ACTUALLY RESOLVE THIS IMMEDIATELY. 

INQUIRIES : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Today XX/XX/2022 During a recorded call with a representative From the dispute department at Experian, I was told that even as a federally protected consumer that they did not have to respect the laws 15 USC 1681B, 15 USC 6801, 15 USC 6802B, I was told no matter what the law says they were not going to remove the personal and private information exposure that theyve made me a victim to identity theft. They refused to remove the information provided as instructed
Product: Debt collection

I was given a background check paper work from my job after I been into the job 4 months now. So a friend of mine tells me to do a background check on my self so I did and I seen accounts that I never open that I owe money to. Address I never seen before and ssi I know ain't mine two of them. Phone numbers I never had, ect. That's scary but XX/XX/XXXX I had lost my place and I thought I could trust the land lord but he told the maintaince people that they can have what ever was mine or through it away well I had left my ID ssi card my birth certificate so that's how I think these people got my info. This is so messed up 1. )  XXXX XXXX XXXX Account type : credit card Date open : XX/XX/XXXX Status : closed. {$550.00} written off 2. ) Jefferson capital system Account type : debt buyer Open date:XX/XX/XXXX Status : collection account. {$440.00} past due as of XX/XX/XXXX XXXX XXXX/XXXX XXXX Account type : credit card Open date:XXXX Status : account charged off {$430.00} written off {$430.00} past due as of XX/XX/XXXX XXXX Charged card Open date XX/XX/XXXX Closed. {$440.00} written off credit line {$300.00}
Product: Payday loan

I took a loan from cash call in XXXX 2014. When I was contacted I voiced my concern that the lowest amount they funded was {$2500.00}. I only wanted a loan for {$400.00}. I let the gentleman know that I was uninterested. He informed me that I could take the loan and there would be no penalty for prepaying the loan and that he had customers do this all the time. I agreed to the loan but was never clearly aware of the outlandish rate of 139 % interest. The way the person on the phone explained it was once I prepaid the loan {$2000.00}, all my payments would go to the principal. I was financially in need so I agreed and sent the email back agreeing. 

I tried to pay back the loan but was told I could only pay on my due date of payment. I call on the XXXX and they say I need to pay on the XXXX. I call back on the first and was told I could not use a credit card but I could use it online. I tried to pay online and would be charge a wiring fee and could only pay {$800.00} per wire so it would have taken me XXXX wires at {$20.00} a piece. I feel that the information I was told when I initially obtained the loan was false. I was never told about how difficult they make the prepay process and all the rules. Cash Call has made it impossible for me to pay back my loan so they can continue to charge me 139 % interest. I feel they were negligent and are committing fraud. I also feel that these high interest loans should not be allowed in the US. If I complete my loan, will have paid {$10000.00} for a {$2500.00} loan. I want this company investigated.
Product: Money transfer, virtual currency, or money service

On XXXX 2023 I XXXX XXXX went into the XXXX XXXX to cash a settlement check in which i was instructed too open an account through the mobile app i presented not just 2 forms of i.d . but three so my identity was verified by a representative. After a couple of days after opening my account, the mobile app was closed and instructed me to call customer service. I called customer service and they informed me that the account was closed due to an identity verification, In which i questioned how was that possible if i was in the XXXX branch and my identity was verified by a represenatitve.Once again im back in the XXXX branch and ask to see the financial manager XXXX XXXX XXXX whom took a look into the situation to only find that the back office closed my account with XXXX dollars in it and that they supposedly have mailed a cashiers check to me on XXXX 2023. XXXX XXXX XXXX and i both was working to find a solution i was in the XXXX branch on XXXX, XXXX, XXXX with XXXX as we look over the account and get a represenative on the phone to assist with our problem XXXX XXXX found the I.D . number of the person who closed the account and read the notes as to why the account was closed and the only thing that he could find was that the person closed it due to suspicious email, in which the email in question is my last name and first name XXXX there isnt anything suspious about my email. They are telling me due to there policy i have to wait 120 days for another issuance of my cashiers check even though i wasnt at fault i find this disturbing and unfair
Product: Credit reporting or other personal consumer reports

This complaint is submitted with full intention and accuracyplease treat it with the seriousness it deserves. I am reaching out to file a formal complaint regarding the inaccurate reporting of multiple late payments by CBNA to the credit bureaus. Several payments have been falsely marked as late in their records, even though they were made on time. Despite this, the incorrect information remains on my credit report, unfairly damaging my credit score and reputation.
Product: Credit reporting or other personal consumer reports

Im writing to dispute the validity of the reference item pursuant to the fair reporting act. This item has been removed from XXXX and TransUnion due to the fact no such debt exists. XXXX failed to respond and failed to comply with the FTC of noncompliance. To remove the account and be deleted
Product: Consumer Loan

I wish be part of the Ally settlement which ended on XXXX/XXXX/15. I contacted the settlement administrator at ( XXXX ) via email at ( XXXXXXXXXXXX ) and informed them that I just learned about the settlement and never received a package because I moved from the addresses it would have been mailed to. They told me there was nothing they could do and I think this is unfair and should be reconsidered based on my circumstances. My husband and I had several loans with Ally and wish to be compensated. I have written proof my XXXX loans with Ally and they will be attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent mail correspondence to all the creditors on my credit report with no resolution
Product: Vehicle loan or lease

I was placed into a covid-19 pandemic deferral program by Audi Financial back XX/XX/2020 until XX/XX/2020 and the total placed on the back end of the lease ... I was told that a lot of customers are struggling to make on time payments due to inconsistency with income so they were not going to report any negative remarks if more than 30 days late to the credit reporting agencies until further notice and that they are only reporting " D '' for no data on all Audi financial customers that are struggling to make on time payments. For some reason I scheduled my XXXX payment online to be paid on XXXX and payment is due XXXX it didn't transact so it hit on XXXX and was considered more than 30 days late and they reported a late to the credit agencies dropping my credit score and said that it was a mistake and it should have just shown " D '' for no date per the audi fin reps.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge Off : XXXX XXXX XXXX XXXXXX/XX/XXXX {$3600.00} Personal Information Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Current Address ( es ) : XXXX XXXXXXXX XXXX XXXX TX XXXX XX/XX/XXXX Name : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance {$15000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance {$1600.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXX XXXXXXXX Balance {$3500.00} XXXX XXXX XXXX XXXX Balance {$20000.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance {$720.00} XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this as a formal complaint against Experian for not investigating and removing the errors and inaccuracies from my credit report. Experian has violated my privacy and my rights under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Under the FCRA, unverified accounts must be removed unless they are able to provide me a copy of verifiable proof which they have yet to do after multiple requests. Please see my attached disputes previously sent to Experian and help me get these resolved.
Product: Credit reporting or other personal consumer reports

This bank is falsely reporting information to the CRAs my account balance is XXXX and they are reporting XXXX as a balance
Product: Mortgage

This is in continuation of the complaints : XXXX and XXXX. First I want you for responding to my case. During the original XXXX package requesting a deferral plan the company sent out a person to my house on the start to inspect the house to get it ready for foreclosure. In your last response I was given the an application to file en exception to start a repayment plan or deferral plan/partial claim. This was XXXX  back and when I called a few days later I was told this package didn't mean anything and it will be denied. In later calls, I finally got a hold of someone to set up a repayment plan. This was a 3 month repayment plan paying {$90000.00} for three months. This was to start XX/XX/XXXX and and the XXXX payment on XX/XX/XXXX and the third is currently scheduled for XX/XX/XXXX. I made the first payment on XXXX and last Friday ( XXXX ) I received a call from the company that they are reviewing my application and it could take 30 days. I didn't know what to say because I was not aware. I told her that I was accepted on the repayment plan and she said she was not aware. I am not sure these guys are on the same plan. I asked her to kept me informed and when I checked the website a few days ago the package was denied. No one talks to me on what they are looking for to move forward. They say they will work with you and never tell you want can be done to move forward. Then a couple of days ago another person per the request of the servicing company came out to inspect the house for foreclosure. I am on a repayment plan so why would they be sent out?
Product: Debt collection

I do not dispute that I owe the debt. My complaint is that the agency calls multiple times/day and several days/week which constitutes harassment. They will call XXXX times within XXXX or XXXX minutes. They call, hang up with no message and call right back and will do this multiple times/day. I have also requested that they not contact my employer and they have done that after my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called several times to transunion, XXXX and XXXX  regarding this fraud. I have sent them all the documentation they require to block the fraudulent information and they have not done so within the 4 day requirement which by law states 15 US code 1681c-2 " A consumer reporting agency shall block the reporting of any information in the file that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days ''
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your InvestigatioXXXX. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX -The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -The following inquiry was not authorized and should not be reporting.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was not aware that XXXX sold my mortgage to Carrington Mortgage Services in the month of XXXX 2015, until I logged in and found that nothing was working, and none of my loan information was available. I ended up sending an email to XXXX to see what was going on, and they informed me of the mortgage being sold. This was fine, until I went onto Carrington 's online banking site for my Mortgage and found that they had increased my interest rate by one percent. When I called to try and get it resolved, they told me it was my responsibility to fax them the original paperwork for my mortgage with the correct interest rate. I do not feel it is my responsibility to correct this issue, since I never agreed to a higher interest rate and they had made the mistake. I feel like they probably do this to a lot of consumers in hopes that they are not paying attention and will steal more of our hard earned money.
Product: Debt collection

I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per FCRA, a creditor is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
Product: Credit reporting

for the 5th time i am trying to get this matter validated. i sent a validation debt letter to all XXXX credit bureau, for the {$2900.00} debt by XXXX the debt was and is not validated but yet remains on my credit report. this validation was received by the bureau in XX/XX/2016 and i am still awaiting the validation
Product: Mortgage

What happenedDescribe what happened so we can understand the issue ... 

Saturday XXXX XXXX, XXXX and major complaint. Previous complaints addressed harassing phone calls. You stated that no more phone calls. I was awaken at XXXX Hawaii Standard Time by a phone call from your representative. Message from Representative XXXX XXXX, to call her at XXXX XXXX. 
Please answer the following questions to include unresponsive answers to previous complaints. 
1-Is this a harassing phone call. Simply answer Yes or No and what is going to be done to stop harassing phone calls. What is the violation and civil penalty if this occurs again? 
2-You all keep changing enterprise representatives on me. Please respond with name of representative to contact by email. Your phone calls are not resolving our issues and my complaints. I previously ask for email address for Representative XXXX XXXX to resolve our issues and complaints. You all have be non-compliant. Please email me his email address. If not, please explain why I can not get his email address to resolve all issues and complaints. 
3-I ask for the mailing address to mail XXXX form to receive {$500.00} signing incentive for partial claim. Please respond with mailing address to include attention what department. 
What if any is the money incentive to re-sign modification documents? Yes or No. If so how much? 
4-You responded that I am not required to re-sign loan modification documents. You also stated that my modification terms will still remain in effect. You further stated by not re-signing loan modification, it may cause difficulties in the future if I attempt to modify, refinance or the sell the property. 
Please be specific, not general terms as stated above, what difficulties I am going to encounter if I attempt to modify, refinance or sell the property. Please explain fully. 
5-You mentioned previously about recordation of modification. My questions to this still have not been answered. Where is modification recorded at. Name of agency where recordation is being done. Exactly what is being recorded? Who is doing recordation? Phone number to call to check on recordation. 
6-If you all address and answer my questions and concerns, then we can finally resolve all issues. It is up to you all to finally resolve all issues. Simply answer my questions and concernsThank you-XXXX XXXX to publish the description of what happened? Consent provided