23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

In XXXX I noticed a delinquency on my credit report from Santander. I purchased a car from XXXX financed by Santander on XX/XX/XXXX. The payments were supposed to begin on XX/XX/XXXX. I'm in the process of moving and despite having mail forwarding set up with XXXX I didn't receive a bill or mail of any kind until XXXX when I received a bill dated XX/XX/XXXX for {$270.00} ( {$260.00} Due + {$6.00} Late Fees ). I contacted Santander, paid the bill in full immediately, and asked why I wasn't contacted sooner. I was told that the phone number Santander had on record for me was XXXX digit off from mine and that they had tried to send mail previously but it was returned. Santander refused to remove the credit delinquency. I don't understand why they would report this against my credit when they incorrectly recorded my phone number and address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Gents,, American Express Credit Card reported to XXXX on XX/XX/2017 that I had two late payments ( see attached credit report ) I spoke to customer service regarding the issue.. The account was always paid in full on or b4 the due date..The LATE PAYMENTS WERE THE RESULT OF {$250.00} IN REWARD POINTS IN WHICH AMERICAN EXPRESS TOOK 60 DAYS TO APPLY TO MY ACCOUNT..I spoke to them and they refused to accept their negligence in apply the appropriate credit ON A TIMELY BASIS..

i CLOSED BOTH ACCOUNTS AT THAT TIME ..AFTER 20 YRS..THEY FAVOR THE MERCHANT AND NOT THE CARD HOLDER..
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX  due to negative reporting on my consumer credit report. I the consumer was never given an option by capital one auto finance to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore capital one auto finance is in violation of 15 usc 6802 and 15 usc 1693l for waiving my consumer right in agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also I have attached the letter I sent out and here is the Equifax Tracking # XXXX XXXX XXXX XXXX XXXX XXXX According to the FRCA The term investigative consumer report means a consumer report 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 stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies marked out in red ink attached. 

Accounts : Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX Bank Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I restart at least a dozen times directly to XXXX XXXX through phone calls emails and disputes through credit agencies and never once update corrected the record. The last dispute I sent out on the XXXX of last month magically was bounced back the exact same day and closed and said to be in verified when you look at their very own records and it literally shows during correct so they did not do the investigation as they said that's a complete 100 % lie as well on the part of Equifax they didn't do anything to make sure that they didn't investigation in fact they did anything but. This is two companies working together to be able to create money off of my back and I'm not going to have it anymore. Their own record reflects that are only owe {$1.00} left on this vehicle and I did that very specifically. Yet at the top it says I owe a XXXX  XXXX dollars. And that doesn't make sense with the chart you have literally right below it that shows I paid it down to {$1.00}. Also what is oat on the vehicle and then my payment amount is completely off why would I be making a {$300.00} payment when I only owe you guys according to you XXXX some dollars even though I only owe {$1.00} why would I pay over {$300.00} on either one of those amounts? There's also a month of missing information which just so happens to be the month I paid everything down to {$1.00} but then the record reflects from then on out my balance was {$1.00} but at the top it does not reflect the same and that's what they're trying to claim I owe when it's incorrect I want it removed immediately. The fact I have to go see and do the investigation and I see it on the very first page the very first second I look at it should be embarrassing for your company. I'm not even smart I'm not even that guy I'm a dumb person but that's clear as day to me and it just taking money from people When they don't have any.
Product: Credit reporting or other personal consumer reports

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

and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I submitted a fraud claim regarding 63 transactions that occurred in The XXXX ( I live in The U.S.A. ), almost {$850.00} in fraudulent transactions, they said a provisional credit would be applied within 10 business days if the claim wasn't finalized by then. 

They never did. 

I had to call them back to figure out what the XXXX was going on, they " escalated '' the claim and told me to wait another 3 business days to get the provisional credit, meaning someone LITERALLY wasn't doing their job. 3 business days later, they denied my claim and said it was closed, however the individual transactions say " Still working on it '' with a Closed claim status via the Chime App. Oh, also, they want you, the customer, to print out and fill out by hand all the transactions and charges being disputed/submitted as fraudulent. What the XXXX year are we in, XXXX? 
I tried to get a hold of the claims dept, and got transferred about 3 times until I finally got a Customer Service " Manager, '' she was EXTREMELY rude and kept talking over me and cutting me off, never gave me an answer to my question of " If the provisional credit was supposed to be issued within 10 business days, then why was it never issued? '' I even asked her to put me on hold and go talk to someone in the claims dept, because apparently they literally don't have phones in that dept ( at least, that's what she told me ) and no communication is available via telephone between customer or employees to the claims dept.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX failed to investigate my dispute properly pertaining to Inaccuracy that Spring Oaks Capital LLC have been reporting and the validation request that I submitted. XXXX XXXX Verified my disputed information as Accurate. How do you Verify a dispute that requests for Validation? 
Spring Oaks Capital failed to correct the inaccuracy they have been reporting. They report to XXXX XXXX only and not to XXXX and XXXX. How can that be accurate information for starters? Spring Oaks Capital LLC refuses to validate my dispute upon request. That is clear a violation of my consumer rights. Listed in my attachment shows proof that Spring Oaks Capital failed to correct the inaccuracy that they have been reporting to my credit report and refuse to validate my dispute requests.
Product: Checking or savings account

XX/XX/19 i called citizens bank to close 2 savings and 2 checking accounts on  XX/XX/19. they said they could close 3 accounts but one had a debit that a  deposit was needed to clear. i deosited the money via eft while we were talking. i was supposed to recieve an email notice saying the accounts were closed. 

i called back XX/XX/19 to close the last of the 4 accounts and it had another debit which i then had to make another deposit to correct. also 2 of the 4 accounts had not been closed which they said they had the previous call. again was told that the 2 accounts were closed and i would recieve confirmation. 

called again XX/XX/19 and was told all accounts were closed but i still do not have any email or other confirmation from them that my accounts are closed
Product: Money transfer, virtual currency, or money service

My situation involves Key Bank, XXXX. XXXX, in XXXX, XXXX XXXX There have been numerous phone calls that have gone unanswered. When I was told I would get a return phone call first thing in morning, I cancelled engagement to be available. Upon checking, I was told Place was a zoo..by the manager. 
I brought another interested party to the bank..since phone calls were insufficient. We spoke to XXXX XXXX who originally handled the transaction on XX/XX/XXXX We needed to wire money to complete real estate transaction. Besides my funds in different accounts in Key Bank, we presented check for XXXX. 
We were told we had to wait a few days for check to clear. I decided to use line of credit since time was of essence ... but I wanted it paid off in full as soon as check cleared. It was deposited in my checking account. On XX/XX/XXXX I deposited an additional XXXX since I was soon to leave for our new home in Florida. I asked teller and XXXX XXXX to make sure loan was taken care of. They assured me it was. 
I left for Florida on XX/XX/XXXX. Got a phone call from XXXX XXXX asking what I wanted to do about loan. I was shocked ... but not turn back. Asked her to please take care of it and send transaction copies to me. 
When I returned and opened mail I could not understand transactions. Two of us in XXXX 's office heard her say she mad mistake but couldn't rescind resulting {$290.00} charged as interest. I asked to speak to manager. She was busy. I again was told she was unavailable ... and phone call was answered by third person who apologized for Place being a zoo and I should get an answer in a week. Of course ... no answer came. 
I have been with this bank for over 50 years..it has never been so unresponsive. 
I appreciate your intervention. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX Y. XXXX
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX The debt collector has never provided me with documents from the original creditor showing that this debt belongs to me. Obviously, there is no paperwork to support that this debt belongs to me and therefore it must be removed from my credit report. Further more the debt collector has reported that this is a new debt opened XXXX. The same account showed up on my credit four years ago and the collection agency could not prove this debt belongs to me so it was deleted. It reached the statute of limitations. Account status is open and open balance of XXXX. Please remove this account in accordance to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., You must report accurate and complete information.
Product: Checking or savings account

On XX/XX/2022, I opened a XXXX Savings Account with WELLS FARGO. In which I deposited {$1000.00} and a card was linked to my account. My card was being shipped for this new XXXX account, and then on XX/XX/2022 my account was notified for insufficient funds and found that all of my money was taken out throughout three different transactions. One for {$800.00}, one for {$180.00}, and one for {$14.00} plus the ATM fees. Once I found this out I called the fraud claim department to report this fraud and the employee began to question me about this to submit my claim for investigation. After 7 days I called to check the status of my claim, come to find out it was closed and were not detailed on that information. I had told them that I never had the card at the time of the possession, and that the only card I had in my possession was my checking account card. I had told the lady the day I reported the fraud, that I never had the card linked to the XXXX account and I only had my checking account card. The XXXX card was " shipped '' and I never received nor did I activate it. I had told them I was shopping with my checking account card, and there's proof on my account of where I was at the time that I was shopping. Whereas the XXXX account card was an entire XXXX minutes away according to the zip code of the transaction. I tried telling them that there was more evidence that could be used by utilizing my location of my authorized purchases using the information of my checking account but they said there was nothing they could do. 

The day I first reported the claim, I made sure the let the employee lady know that I only had my checking account card, and I had never even received my XXXX Savings Account card. There was obviously confusion on her end, causing my evidence and my word to be thrown off to the side.
Product: Credit reporting or other personal consumer reports

I informed you of the exact information that was provided inaccurately in my consumer report over 40 days ago. It has been well over 30 days, and you have failed to update, modify, or correct the inaccurate information. Your constant neglect has plunged me into an abyss of adverse effects such as credit card denials, a diminished credit score, and an open-end invitation to be the disgrace of my family. Credit plays a heavy role in my life and your unreasonable reinvestigation procedures is the sole reason I lost my credit abilities.

The FCRA contains a maximum possible accuracy standard whenever a Consumer Reporting Agency ( CRA ) is furnishing my credit, which, is held at a, substantially, higher degree than just accuracy. Unfavorably for me, XXXX has frequently fallen short of the maximum accuracy standard. The information on my XXXX consumer report is furnishing different information ( referencing the accounts in this dispute ) on your agency compared to the other CRAs ; which, creates a misleading representation of me to other creditors and stymied my chances of receiving credit.
Product: Credit reporting or other personal consumer reports

I am writing to follow up the hard inquiries that I am disputing with your department. 

XXXX  - XX/XX/2023 XXXX  - XX/XX/2023 XXXX  - XX/XX/2023
Product: Debt collection

This account is apart of the Capital One XXXX XXXX. I am a party of the settlement. This information was obtained in the course of the Data Breach by XXXX XXXX. XXXX XXXX is reporting and falsely claiming this credit transaction is a debt due. XXXX XXXX XXXX has provided documentation it may have obtained in the Capital One Data Breach. As this was a Secured Credit Transaction the amount claimed as owed is inaccurate and false. A deposit was required to obtain a extension of credit which was expressed that it covered any failed payments. In light of Capital One 's error to inform me, I made a uniformed decision on when I entered this consumer credit transaction. There is no evidence of indebtedness the only evidence of indebtedness was by way of the agreement but because of the uniformed decision that agreement is null and void. It is null and void because I made a uniformed decision, I did not understand its meaning, and it was not clear and conspicuous. Capital One and XXXX XXXX XXXX are in violation of Title 15 Chapter 41, 15 USC 1602.
Product: Debt collection

My identity was stolen me and my family will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter.. 

BANK OF AMERICA Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$450.00} written off. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$760.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Collection account. {$180.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2400.00} Status Collection account. {$2400.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$180.00} written off.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. The inquiry was not authorized XXXXXXXX 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 Please remove it from my credit report.. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART XXXX [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX  XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed I had several Fraudulent accounts on my current credit report. Please remove these items off my credit report, They are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this complaint to request your assistance in investigating and resolving an issue with my credit reports maintained by XXXX, XXXX, and TransUnion. Specifically, there are old and negative items that should no longer appear on my credit report under the Fair Credit Reporting Act ( FCRA ). 

Pursuant to 15 U.S.C. 1681n and 15 U.S.C. 1681o, I believe the credit reporting agencies are in willful or negligent noncompliance with their obligations under the FCRA. These violations have resulted in continued harm to my credit score and financial well-being. 

The specific issues include : Inaccurate or outdated information : Negative items that have exceeded the statutory limit of 7 years ( or 10 years in the case of bankruptcies ) are still being reported. 
Failure to verify disputed accounts : Despite my prior disputes, the credit bureaus have failed to provide adequate documentation to verify the accuracy of these negative items, as required under 15 U.S.C. 1681i. 
Negative impact on my creditworthiness : These inaccuracies have caused harm by impacting my ability to access credit and financial services at fair rates. 
To resolve this matter, I request the following : The immediate removal of all outdated and unverifiable negative items from my credit reports. 
Confirmation from each bureau that these items have been deleted or corrected. 
I have attached supporting documentation, including copies of my credit reports highlighting the outdated and negative items, previous dispute letters, and any related correspondence. 

I kindly request the CFPB to assist me in holding XXXX, XXXX, and TransUnion accountable for their compliance under the FCRA. I trust that your involvement will result in a thorough investigation and prompt resolution of this matter. 

Thank you for your time and attention to this issue. I look forward to your response and resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On my credit report for TransUnion and XXXX, it is still showing a student loan balance, however, my loans were forgiven by the XXXX XXXX effective XX/XX/2023. The balance for my loans need to reflect {$0.00}.
Product: Credit card or prepaid card

On XX/XX/2021, I sent a letter to Fifth Third Bank regarding an account that showed up on my credit report requesting validation of ownership and proof of the application. Post 30 days and Fifth Third has not responded. This account was opened without my knowledge or consent. They have failed to comply with the request as required by FCRA.