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

To whom it may concern, on XX/XX/XXXX I made a payment for my XX/XX/2018 statement which was due on XX/XX/XXXX as well as an early payment for my XX/XX/2018 XXXX. XXXX XXXX did not process my payment for some reason. Therefore, neither payment cleared. I did not find out about XXXX XXXX 's error until XX/XX/XXXX. I immediately called XXXX XXXX and made the payment. I asked the gentleman I spoke with on the phone if there would be any issues from this he said " no you should be fine. '' I recently looked at my credit report and XXXX XXXX is reporting me 30 days late in XX/XX/2018. 

The person on the phone when I called said my credit would not be impacted as the error with processing the payment was on their end and that I was not more than 30 days late pass due.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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, 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 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

online informed them that my XXXX daughter is incorrectly listed on my credit report but none of the agencies have responded to me in over 3 months
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXXXXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX customer service representative.
Product: Debt collection

The XXXX Lanes - known as XXXX have repeatedly attempted to call me, sent me threatening letters and forced me to pay a fee for the XXXX account which I no longer have. They confirmed by email, and I had copies of the statement, showing that the " collection closed '' and that I have made and deactivated the account since XX/XX/2019 ( see copies enclosed ). 

Yet, I just now got a letter from their collection agency, XXXX XXXX XXXX XXXX XXXX, XXXX, stating that I owed {$80.00} as of XX/XX/2019 and that I need to make a payment within 30 days. 

Where does all of this ends? How can we allow these crooks to operate such way. Who regulates company like XXXX XXXX XXXX? How could collection agencies collect a " non-existing '' debt and threatened consumers? Are they using my information to intimidate and bullied me for other purposes?
Product: Credit reporting or other personal consumer reports

Social security number is XXXX on my XXXX  credit report theirs is XXXX negative items that are fraud I filed a federal trade commission identity theft report XXXX XXXX account and other negative item last XXXX digits of the other account is XXXX. And on XXXX XXXX their is XXXX negative items that ate fraud and equifax theirs o e negative item last XXXX digits is XXXX
Product: Credit reporting or other personal consumer reports

Only one name should be on all XXXX reports same way as my XXXXt id card. XXXX XXXX XXXX no other names should be on my report no abbreviations etc. shouldnt no job employment be showing on there I do not work thats inaccurate information thats sombody else not me. Only one address should be on there XXXX XXXX XXXX All other information is inaccurate and need to be updated because its hurting my credit by adding things thats not even mines
Product: Checking or savings account

I have tried to solve this issue in the past through cfpb now that I've given up with Wells Fargo. They have been allowing overdrafts on my account and charging an overdraft fee which I am opted out of and was clarified that I was opted out of sometime earlier this year. On XX/XX/XXXX I had two charges to my account accompanied by overdraft fees after my complaints on this website on XX/XX/XXXX and " resolved '' on XX/XX/XXXX. 

I am opted out of overdrafts on my account, I am also subsequently opted out of the fees accompanied by them. Yet it continues to happen. My tax returns this year have gone into paying this bank for their improper use of their own system. The " excuse '' of them being a recurring payment and is allowed to be processed like and overdraft is unjust and XXXX be the reason that I excuse myself from using this institution any longer, seeing as how it is inconsistent from other institutions, including when I first made my account with them.
Product: Vehicle loan or lease

I purchased a car from XXXX XXXX  in 2017, loan was originally with Gateway One Lending and Financial.

Gateway One was bought out by Santander, so my loan was moved to Santander. 

I paid off the loan, and now when trying to remove Gateway One as a lienholder on the car title, I'm being denied because Illinois DMV wants me to prove the 'link between the two financial institutions. ' I have called Santander Consumer USA on several occasions, and am always eventually hung up on. It's the only means of contacting them. 

Without this document that only Santander can provide, I can not get my car title.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote to Transunion informing them of incorrect information stated in my credit report as I received a copy of my credit report from them. They have failed to provide the documents I have requested to verify any contract between me and these companies listed on my report. I have expressed my right to demand the documents recorded and retained in their files under the Fair Credit Reporting Act 15 U.S.C 1618g as the accuracy of these disputed accounts is questionable. 30 days have passed and no valid verification of my signature and contract has been provided. 
The alleged accounts on my credit report are : XXXX XXXX XXXX which they did not provide an account number and proper verification IC System which they also have not provided the account number and proper documentation as I have no idea of this debt, t & finally XXXX and XXXX which yet an account number and proper verification, including my contract has not been provided. 

I have requested a deletion of the above accounts from my credit report as it is negatively affecting my ability to get credit and hurting my reputation. Under 15 U.S. Code 1681i, all unverified accounts must be promptly deleted and this has not been done, better yet in the time allotted of 30 days.
Product: Mortgage

On or about, XX/XX/year> I noticed a monthly {$200.00} surcharge for insurance on my monthly mortgage bill. I already had home owners insurance for my coop apartment and this had not been a problem in the past. 

In XXXX, I spoke with an agent and they said they would reimburse my account for the approximately {$780.00} dollars they had previously deducted and agreed that they had copies of my insurance and verbally committed to stop charging. 

The charges continued and now there is in excess of {$2000.00} in escrow. I again called and they verbally said that I owed documents on insurance on the outside of the coop building not just the inside of my apartment. This had never been a problem in the past and I had XXXX plus years of paying the mortgage. I requested that they furnish me with what documents were required in writing and the agent said he could not do that. I submitted a compliant online through the website and did not hear back.
Product: Credit reporting or other personal consumer reports

I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a XXXX of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation. 

According to the FCRA Section XXXX ( XXXX XXXX. XXXX ( l ) and the accepted XXXX XXXX XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence. 

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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit card or prepaid card

I made a complaint to the CFPB already in regards to this account, however XXXX in the " Office of the President '' left messages with a phone number that we could not reach back to speak with her. Only after calling Best Buy and them sending a message did she actually call. Their process is designed to frustrate and dissuade the consumer from taking action. Her advice was to call the collections department, as she could do nothing. 

Someone who works in the office of the President at CitiBank has the ability to print money, and they can certainly fix this issue. When it was presented to me at the store, it was said to be Joint borrowers, it was also shown on the account as a Joint account so her assertion that he was merely an authorized user at best is false. 

Also they did not let me know there was account issue in the time frame ofXX/XX/XXXX until XX/XX/XXXX when applying for another loan. 

There is a pattern of this treatment of customers on their web fourms, complaints on the CFPB and in Lawsuits already on the records.
Product: Credit reporting or other personal consumer reports

I am filling this complaint against Equifax for faling to properly investigate my disputes regarding inaccuracies in my credit report.Dispite my submission, Equifax consistently responded with in 24 hr. Stating my account was accurate. Without providing any evedience of a through investigation. This practices violates the Fair credit report Act ( FCRA ) 15 U.S.C 1681wich mandates a reasonable investigation of dispute. Furthermore, Equifax action may alsocontrravene The Consumer Financial Protection ( CFPA ) ,12U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB recentadminstrative proceding File XXXX provide Consumer with necessary proof of investigation.
Product: Debt collection

This company is trying to collect {$510.00} from me for a debt they claim I owe. I have written them several letters since XXXX 2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX 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 7 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 or other personal consumer reports

On XXXX the XXXX I was notified by the banker that I was denied for an account and for credit. I immediately went home to check my credit monitoring service and was unable to access my XXXX file. It was completely gone. 

I then proceeded to contact XXXX and was transferred to the office of consumer affairs and spoke to a lady named XXXX. She asked me if I had any knowledge of multiple inquires and told me there were several attempts to acquire credit using my social security number. She said she was seeing two different files for my social security number. I asked her the name of the other profile which she said she could not disclose. She did however give me a date of birth XX/XX/XXXX. I informed her that I was not in any way associated with that date of birth or profile and in fact was a victim of identity theft. Which caused me denial with the banking system. I was told by XXXX that I would be contacted within 30 days after an investigation was done. I was never contacted but did receive an alert that my account was available again only to see an XXXX point decrease and 4 erroneous hard inquires which are from identity theft. 

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal inquires and accounts from my credit reports. 

Inquiries : XXXX XXXX / XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Derogatory Mark : Wells Fargo Bank Car XXXX I have spent time, money, and resources throughout the years working hard to undo the damage from the data beach. I also have previous complaints filed with the CFPB where nothing is ever done. The consumer has rights and protected under federal law. I have done my best to resolve matters outside of court. Please hold XXXX accountable. I have also attached a copy of my complaint with the Federal Trade Commission FTC Report # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/2018 and XXXX XXXX XXXX XXXX XXXX placed a collection on my credit report for {$310.00}. I have had no correspondents or communication with this company. Nothing was sent to me in the mail to dispute or confirm/verify that this account is mine. I have never did business with this company. THIS ACCOUNT IS NOT MINES.
Product: Credit card

Chase Credit Card Services is charging me interesting on a charge which is in dispute and being investigated by their disputes department. 

Last month I was charged {$25.00} of interest and this is impacting my FICO score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report today and I found quite a few inaccurate items. My name is XXXX XXXX XXXX my name is not XXXX XXXX XXXX or XXXX XXXX XXXX please delete these two errors in my name. 
I live at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX. Please remove all the following addresses they are not mine : XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

Venmo has frozen my account in XX/XX/2023 ever since they keep me in email loops or just ghost all my requests! I want my money! this is a scam where they keep fooling you around in order not to pay out customer funds!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$130.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00}
Product: Credit card or prepaid card

My XXXX has committed ID Theft & bank Fraud with my ID. My XXXX and I have been working on this since XXXX to date, and the bank has made at least XXXX investigations off and on, claiming the dispute was denied. I don't believe they investigated at all and seemed to no know where my documents I sent were at. Then they sent the fraud account bill to us XX/XX/2022 for the balance of {$3700.00} to our address with my XXXX XXXX email attached to this account. They confirmed that the our address was the victims address and quickly got off the phone. Our XXXX has lied about this account to us as well as gaslighted for more confusion, but we feel we are caught between a bank that is not doing their job right and a XXXX XXXX