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

On XX/XX/2019 I received a notification from XXXX XXXX that according to my Transunion credit report someone added me as an authorized user to their XXXX CARD. I never authorized anyone to add me as an authorized user for any credit card. I attempted to resolve the issue with XXXX XXXX XXXX ; however, was transferred to four different people all claiming they could not assist me. I made another attempt today and was kept on hold until the department I was trying to reach was closed. I am trying to get myself taken off some stranger 's account before my own credit becomes affected. I also attempted to file a dispute with Transunion but I keep receiving a message that their system is down. I reached out to XXXX XXXX but was told they are experiencing high volumes.
Product: Debt collection

I recently obtained a copy of my credit report and I notice that it was an inaccurate acccount on my report. I have attached my FTC report ( reference number XXXX ) and my ID.
Product: Credit reporting or other personal consumer reports

I AM LIVID! I AM LITERALLY IN THE PROCESS OF MAKING A BIG PUECHASE WITH MY CREDIT AND CAPITAL ONE HAS REPORTED INACCURATE INFORMATION TO MY CREDIT REPORT AND THEY WILL NOT FIX IT THE REP WHO WAS SO UNHELPFUL AND OVERSPEAKING ME AND PRETTY MUCH TELLING ME IM A LIAR TOLD ME I NEEDED TO MAIL IN DOCUMENTS TO HAVE IT FIXED. CAPTIAL ONE OFFERS CREDIT WISE ITS EVEN REPORTING THERE THEY REPORTED MY ACCOUNT IS ALMOST MAXED OUT WHEN MY STATEMENT CLOSED AT XXXX DOLLARS THIS NEEDS TO BE FIXED ASAP. THEY ARE PROVIDING ALL THREE CREDIT REPORTING AGENCIES INACCURATE INFORMATION INCLUDING THEIR OWN REPORTING. THIS NEEDS OT BE FIXED THEY ARE DOING THIS BECAUSE I AM XXXX AND THEY DONT EXPECT ME TO PAY ATTENTION TO MY CREDIT.
Product: Mortgage

Terrible company. 
Asks for unnecessary paperwork and tried to do bait and switch. Tried refinancing a home mortgage from 15y 2.1 % to ally for 30y 2.625 % o. A home appraisal by them $ XXXX equity and they have me looped into papers after papers making it impossible unless j give extra fee etc. Managers and e elusive teams all frauds- this bank should be closed for bait switch and harassment
Product: Credit reporting, credit repair services, 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 addresses 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 INACCURATE ADDRESSES. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CAXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

They offered to close the account I paid the amount they have not close the account with any credit bureaus they stated they will update my payment history to 100 % as a goodwill gesture that has not been done
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, 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 account though your company claims to has 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 XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, XXXX XXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and this is my third attempt trying to obtain my consumer file and report from Equifax. I have uploaded a screenshot of the last attempt. Im using the CFCP in hopes of obtaining my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1300.00}, and XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2700.00}. Please remove.
Product: Debt collection

Yes! This company is breaking the law by failing to provide proper validation details as required under XXXX XXXX XXXX XXXX ( b ) ( XXXX ). Despite this, theyve added a collection to my credit report Ive tried several times trying to resolve this issue directly with them, but they continue to violate my rights. Also, XXXX reporting to XXXX and they have breach their contract and put me in jeopardy also! Please by all means delete all these collections and late payments offer my credit report. Thanks
Product: Mortgage

Loan Depot conducted a loan analysis and increase my monthly mortgage payment around XX/XX/XXXX. However they failed to notify me of this change. I found out when I received a letter, dated XX/XX/XXXX, from Loan Depot stating my payment was short. I called Loan Depot to find out why ; they explain an analysis is conducted once a year to adjust for taxes and insurance changes. I informed them that I did not received and ask for the analysis to be mailed to me. I have never received the analysis but adjusted my recurring payment through my bill pay service accordingly. Come XXXX, I received a call that they did not receive my payment. On XXXX XXXX, XXXX, I had my bank fax verification that the payment was made electronically. On XXXX XXXX, XXXX, Supervisor XXXX left me a message that the payment was received and returned to me because the payment was short. To my surprise, Loan Depot once again increase my payment without any notice effective XXXX XXXX. According to two different Loan Depot associates, the check was sent back on XX/XX/XXXX or XX/XX/XXXX, check number XXXX. On XXXX XXXX, XXXX, I called Loan Depot and informed I did not received the check and for a stop payment to be placed and reissue. I called again on XX/XX/XXXX to find the status of the check because I still have not receive the check. I was informed that the stop payment was done on XX/XX/XXXX but a new check have not been issued but will be within the next 7 - 10 days. In the meantime Loan Depot continue to apply late fees and additional interest to my loan. I believe this is Loan Depot way to charge additional fees and damage credit to keep customers with them, preventing to from re-financing with the best rate.
Product: Credit card or prepaid card

See attached letter and all paperwork involving the dispute with Capital One Credit card Company
Product: Checking or savings account

I received a checking account statement in the mail from TD Bank covering the dates of XX/XX/2018 to XX/XX/2018. The problem is I never opened or authorized a checking account with TD Bank. I see on the statement that XXXX deposited {$0.00} on XX/XX/18 and debited the {$0.00} cents the same day to verify if the checking account was valid. The checking statement had my correct name and address at the top. I visited a TD Bank branch and closed the checking account.
Product: Credit reporting or other personal consumer reports

I had disputed XXXX XXXX XXXX XXXX  account # XXXX through XXXX, Experian, and XXXX. They reported it came back as verified. I XXXX XXXX sent a letter of Dispute on XX/XX/year> for account # XXXX received a letter from I XXXX XXXX dated XX/XX/year> asking for a payment when they had not even validated/verified account. I sent I XXXX XXXX XXXX a certified letter on XX/XX/year> asking for verification/validation for account # XXXX. XXXX XXXX XXXXXXXX XXXX picked up the letter XX/XX/XXXX at XXXX XXXX 
Delivered DATE TIME LOCATION STATUS XX/XX/XXXX XXXX XXXX XXXX, WA, United States Delivered, individual picked up at postal facility I have not received anything from I XXXX XXXX to validate/verify this account I want this account deleted. 

The letter I sent asked for the following information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Product: Bank account or service

I have an account with WellsFargo. I have been client for many, many years. One day, out of the blue, when trying to place a transfer online, my money is frozen. I call the contact center and they told me that my account has been blocked, that they needed some additional personal information to unlock it. I answered their questions and they say they would process accordingly. A week later, still no access to my money. Called again, they say the needed more time. 

I can not believe that WellsFargo can just take me out of accessing my money, just because of and " intern process '' ... .still not indication on when could transfer money out of my account ...
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX account online, XXXX showed a list of selected credit card offers for me. These are credit cards I can apply for and get approved. Ive applied for a credit card that was on that list on XX/XX/XXXX. I got a rejection letter in the mail on XX/XX/XXXX. I want to complain, because this is false advertising and the credit card application increased my number of inquiries unnecessarily ( from Equifax ). This inquiry should be removed from my credit report since this is XXXX fault. They shouldnt be giving me offers if they will just reject my application.
Product: Vehicle loan or lease

Dear Sir or Madam, I am writing you today as a formal notice that my account with Santander Consumer USA is being challenged as to recent legal proceedings where Santander Consumer USA was found negligent of violating the Truth in Lending Act and the Consumer Financial Protection Act. For the past five years I have been a victim of Santanders abusive lending practices. I have tried countless of times to discuss this matter with Santander requesting that my account be reviewed as the deceptive and predatory practices have let me to a debt which I can not pay back, and which I believe the company knew prior to their approval of my loan. The interest rate on my account is fixed at 19.6 % with a balance due of approximately {$15000.00}. 
Recently, Santander was involved in a class-action lawsuit where Santander violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with a high probability of default. 
It is my belief that my employment was never verified for the loan amount and that information in my application may have been falsified or negligently unevaluated, in order to qualify me for a loan I am expected to default upon. Furthermore, fees are being added to my account daily, increasing the probability that a default will occur, ruining my credit and placing an unfair financial burden on me for years to come. 
Santander informed me that I do not qualify for this settlement, however, based on the initial reasoning why Santander was sued it was because of consumers like me who were robbed and taken advantage of. 
My car should nearly be paid off because I paid over {$21000.00} in the past five years of having the vehicle. Santander continues to call me aggressively every single day harassing me for form of payment. Santander agreed to waive off this month of XXXX for me due to XXXX related circumstances, however, they never followed through with their end of the agreement and now they are not only harassing me for payment for that month but every day they are adding ridiculous amount of fees. 
I truly do believe I qualify for loan forgiveness and restitution considering the circumstances surrounding the situation. 
I have tried to communicating with Santander requesting that either my account be adjusted to reflect the removal of these illegal fees and charges, the interest be re-established at a rate befitting my financial standing or that a monetary award be provided to me. 
I am requesting for my account to reviewed and this situation to be resolved because it has been an extreme nightmare dealing with Santander. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I thought the economy was tough, but seeing my credit report made it clear what's even worse its filled with inaccurate information thats causing me overwhelming stress. As a consumer, I have the right to an accurate credit report, yet these errors are holding me back. Its disheartening to face constant financial setbacks and the emotional toll is unbearable. I cant even consider seeking professional help for my mental health because I know my credit cards will be declined due to these unjustly low scores.
Product: Credit reporting or other personal consumer reports

The Credit Bureaus never did a proper investigation according to the FCRA. 
The term investigation consumer report means a consumer or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They did not do this. 
Also, they violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit Report. 
The Credit bureaus stated my account was properly investigated the amounts where inaccurate and then changed years later. and date last reported is not accurate This ground for removal, They also violated the law because according to 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 is also stating a consumer report agency can not without my written instructions.

15 U.S.C 1666 - Correction of Billing Errors 15 U.S.C 16379 A -from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( XXXX ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( XXXX ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct
Product: Debt collection

this company Internal check XXXX XXXX out of NEW york is calling saying they are process servers from my county, and are going to have the sheriff come and arrest me if I do n't pay immediately. Also, they claim to be a government ran business and attorneys and investigators. Just using any scare tactic that they can to con you into paying. they do n't verify any personal information, refuse to verify debt or give their physical address. the spoke to my family and my boss and disclosed that they are going to arrest me if I do n't pay a bill today ... I looked online and they are doing this to everyone. someone has to stop this immediately. I did some research and the company is registered toXXXX XXXX XXXX XXXX, NY XXXXthey use the mailing address:XXXX XXXX XXXX XXXX XXXX, NY XXXXthis address is a XXXX store that they have a XXXX XXXX atthey have numerous numbers that they use, but I believe the main number is XXXX.
Product: Credit reporting or other personal consumer reports

I got my recent credit report on XX/XX/2024 and notice a score drop XXXX  XXXX points. My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 15 USC 1681b. 15 U.S.C 1681 section 602 A. States I have the rights 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 They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments
Product: Credit card or prepaid card

On XX/XX/2018 I became aware that my Identity was being used to open and attain credit card accounts through the " XXXX '' service. 
On XX/XX/2018 I went to a post office explaining that I was a victim of identity theft and I needed to change my address. With I.D . in hand I handed over the appropriate address change card. 
A result of my change of address was the suspect was notified by procedure via the mail that I was changing my address. 
On XX/XX/2018 I called KOHLS/CAPONE @ XXXX and spoke to XXXX a CSR and XXXX whose in Fraud, who did give me a future contact number of a dispute line XXXX and a Fraud fax line of XXXX. 
During that call I informed them that my identity had been stolen, I did not apply for the card/account, they have a fraudulent application in my name. I gave my name and personnel information, notified of my actual address and a phone number so that I could be reached in the future. 
They confirmed the location of billing address at XXXX XXXX XXXX XXXX and the last four numbers XXXX in the contact phone number. They said they would start an investigation, though they would not provide me with any documents to assist me in my own investigation, not a receipt or copies of my application or the agreement that I'm to be held for regardless of what may be laid out in the UCC. and the investigation would take thirty to sixty days to resolve the discrepancies.. 
That call was @ XXXX for 20 min. 25 sec.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




UNAUTHORIZED INQUIRIES : TransUnion XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I'm being charged for a medical bill for my son that has already been tooken care of, i recently contacted XXXX  about this matter and was told that the debt will remain because its my account that hasnt been paid which it has i have proof
Product: Credit card

After having this account for over a year, they began charging a monthly fee of {$1.00} for paper statements. They began charging this fee with XXXX notification or permission. Nothing in our agreement allows them to charge this fee. I contacted them asking for a refund and to cease charging the fee, but they have been unresponsive. I was first charged this fee in XX/XX/2024.