23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il
XXXX  Il, XXXX
Dear Bureau,
I am writing to inform you of an issue regarding improper use of my credit report. Attached to my
SSN, it appears that XXXX, Equifax, and XXXX  have violated the FCRA by including
inaccurate information. Upon reviewing the credit report, I found numerous discrepancies,
including incorrect addresses and accounts for which I never provided written permission. As
instructed on your website, I've enclosed documentation proving my identity.
Under the FCRA, only accurate information should be included in a consumer's credit report.
However, the information provided by XXXX, Equifax, and XXXX  is not accurate. I have
consulted with legal counsel, and I am prepared to take this matter to court if necessary.
I demand the immediate removal of all inaccurate and unauthorized accounts from my credit
report. Additionally, I request that all personal information associated with my account be
replaced with the details of XXXX XXXX XXXX  Below are the accounts that need to be
removed: Employers: XXXX XXXX XXXX
Previous Addresses: 1XXXX XXXX XXXX XXXX XXXX XXXX Il, XXXX XXXX XXXX XXXX XXXX XXXX  Il ,
To expedite the resolution of this matter, I demand the immediate removal of all inaccurate and
unauthorized accounts from my credit report. Additionally, I request that all personal information
associated with my account be replaced with the details of XXXX XXXX XXXX , as provided below:
1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX)(equifax) XXXX XXXX XXXX XXXX XXXX (XXXX)(equifax) XXXX XXXX XXXX XXXX)(equifax)(XXXX) XXXX XXXX XXXX XXXX XXXX (XXXX)(XXXX)(Equifax) XXXX XXXX XXXX XXXX XXXX (equifax) XXXX XXXX XXXX XXXX XXXX (XXXX)(XXXX)(equifax) XXXX XXXX XXXX XXXX XXXX)(Equifax) XXXX XXXX XXXX XXXX XXXX XXXX (XXXX)(Equifax) XXXX XXXX XXXX XXXX XXXX XXXX(Equifax) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a chase checking account on XX/XX/2022. I opened this account in order to store funds and save up some money. I generally use XXXX XXXX a lot so I regularly send deposits to my bank account. Everything was fine despite having difficulties using XXXX to transfer small funds to cover a bill. The XXXX would flag my account and I would have to call in and verify everything in order to unlock my account. The representatives assured me that it wouldnt happen again but it persisted several times after. I made a {$2000.00} from my cash app to my chase. The money deposited and I had no issues. I tried to XXXX some money to my other bank ( BofA ) to cover a bill and of course it flags my account once again. I called in to unlock my account and the representative states my account has been restricted and would be closing within 10 business days due to fraudulent /suspicious activity. They stated that the XXXX XXXX deposits are flagged because it is coming from a different name. Yes I have my XXXX XXXX under my alias name. Lots of people do this. They stated I have to prove that I am indeed the alias send a form with both names and the source of funds is legitimate. Ok no problem I submitted my XXXX XXXX statement which shows everything the transactions and transfers to my Chase account. Unfortunately the branch made a mistake in sending over the documents twice! Wasting more time and I have been so patient and understanding. So the branch finally sends over the documents and now they state based off the notes the banker put my alias as a Business basically assuming my XXXX XXXX is a business account which it is not! I stated that from the first time I spoke with a representative and told the bankers several times. The representative told me I have to go back to the branch tomorrow and have the banker call the compliance department this was told to me today XX/XX/2022. So much mistakes on Chase I feel like a victim this is absolutely unacceptable. I will be going to the branch early morning tomorrow for the 10th time. Countless phone calls and I just feel like no one is trying to help. I need my funds they ruined my birthday because they are holding my funds hostage and I will not allow them to ruin my XXXX. My BofA account which I now use with my XXXX XXXX gives me no problems whatsoever. People use aliases all the time especially with XXXX XXXX the document I submitted even proves it. I will close my account after this issue is resolved and never use or recommend chase products or services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting incorrect information. I have requested several times to provide information that I received the student loan, I was not given this loan nor am I responsible for the loans. This is erroneous reported and have ask the Department of Education to investigate the matter.
Product: Payday loan, title loan, or personal loan

There is a long list of complaints with CFPB I have submitted about this case. 
They keep calling!! 
SEE ATTACHMENT SECTION for explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act they violated my privacy and confidentiality under 15 U.S.C 1681. Accounts for XXXX XXXX, XXXX XXXX XXXX Acct # XXXX ; XXXX XXXX XXXX acct. # XXXX, XXXX XXXX acct. # XXXX ; XXXX  XXXX  acct  # XXXX ; XXXX XXXX XXXX acct # XXXX ; XXXX XXXX XXXX, XXXX acct # XXXX ; XXXX XXXX XXXX acct XXXX XXXX ; XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX ; XXXX XXXX  college district, student # XXXX ; XXXX acct # XXXX have violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 section 604 A section it also states a consumer reporting agency can not furnish a account with out written instructions. 15 U.S.C 1681 C. ( a ) ( 5 ) section states no consumer reporting may make any consumer report containing any of the following items of information, any adverse items of information, other than records of convictions of crimes which antedates the report more than 7 years. 15 U.S.C 16815-2 ( 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 accurate.
Product: Credit reporting

I filing this complaint IN regards to the situation evaluated and it were once deleted several times and place back on my Credit file at least three times .One of the issues IS THE status Judgement with XXXX XXXX XXXX XXXX XXXX car dealership, and the all the reporting Cable Companies, due to no contacts sign and FALSE information. The XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Companies. These Companies does n't have t he right to put any files without a sign contacts or the HIGH EXPENSE amount they say, I owe them. 'Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had an incorrect account on my consumer report. I disputed this account 3 times. They did no investigation on this account. I was never contact nor any of my neighbors or my close family. They were asked to show proof of the results from the investigation, witness etc, but could not provide that information. I'm constantly getting denied for things because my reputation has been ruined. Now they have made changes to the account which is admitting that this account has had false information. Remedy is deserved, due to my reputation being ruined and laws being broken.
Product: Debt collection

Requested that Portfolio Recovery Associates ( PRA ) provide contract with my authentic signature that started this alleged debt. PRA only provided computer screen print-out which is unacceptable.

PRA conducted unreasonable investigation.

Moreover, received dispute resolution past the 30 days time limit which is a violation of the FDCPA. Other times when I submitted dispute and never received a response.

PRA has continued violating the law through intimidation, deception, and illegal debt collection.

PRA are in violation Fair Debt Collection Practices Act and the Consumer Financial Protection Act.
Product: Student loan

Having trouble with  XXXX   XXXX   XXXX   XXXX . I am in an IDR plan. After a 1.5 % raise at my job last year I was notified that my payments will go from $  XXXX  month t o $  XXXX  month. W hen I complained about this I was told that if I switch to a standard repayment plan I will no longer be eligible for the payments to count towards PSLF. When I do the repayment plan estimator on the website, the highest monthly income based payment I get is $  XXXX  /month, eve n with factoring in that I am married, filed taxes jointly, and putting in our combined income ( which by the way is gross, not net ). When I call, no one is able to tell me really how they calculate this amount.   Also I am being given a hard time about my employment certification forms that I submit. For example, I had a hard time tracking down someone at the corporate HR office from my employer from  XXXX , so I checked off the box that said if you are having a hard time getting someone to sign, " the department will assist you. '' No one responded to me about this other than to deny the form. I even sent in my  XXXX  's from those years, which were supposed to be reviewed ; again, no response. When I finally got someone to sign the forms, they denied the form b/c the person did n't write her phone number down, even though they said they do not call the person. No one contacted her by email, or called me, they just told me " we 're just told to deny the form and move onto processing the next request. '' Basically I feel like the PSLF program not obtainable, it seems like they are just trying to delay the process until I either give up or switch to a more affordable payment plan that does n't count toward PSLF.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit file and there are many mistakes in my report : Court XXXX XXXX CT CO XXXX - XXXX : Too old to have in file XXXX  Account # XXXX : Unverified Account XXXX XXXX XXXX # XXXX : Too old to have on file XXXX XXXX XXXX # XXXX : Too old to have on file XXXX XXXX XXXX # XXXX : Too old to have on file XXXX XXXX XXXX # XXXX : Too old to have on file XXXX XXXX XXXX # XXXX : Too old to have on file XXXX XXXX XXXX # XXXX : Too old to have on file XXXX XXXX XXXX # XXXX : Too old to have on file
Product: Credit reporting or other personal consumer reports

I have reached out to Transunion in regards to an account listed on my credit report requesting validation that this debt is in fact mine as I am a victim of identity theft and don't recognize the debt nor did I do business with the company. The company is XXXX XXXX XXXX XXXX XXXX with Account number XXXX. Transunion claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Transunion seeking proof of this debt : Transunion XXXX XXXX XXXX XXXX XXXX XXXX Transunion continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. 

The account number is XXXX with a balance of {$81.00}. 
15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts I have made numerous attempts to have a fraudulent comenity bank account removed from my credit record. Despite submitting an affidavit, a police report, and an identity theft report, both XXXX XXXX and transunion have been unwilling to remove it from my credit history.
Product: Credit reporting or other personal consumer reports

This letter is to formally resubmit a dispute regarding an inaccurate account on my credit report. On XX/XX/year>, I submitted a dispute concerning XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX. 

I am writing again because the disputed information has not been removed from my credit report. The XXXX other major credit bureaus, XXXX and XXXX, successfully investigated and removed these inaccurate information. 


I request that you reinvestigate this dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Please find attached documents.
Product: Credit reporting or other personal consumer reports

I bought a car from XXXX, before learning of their terrible reputation for selling faulty vehicles and failing to honor their warranties. My car broke down on the interstate last Saturday. For the last week I have been trying to get their subsidiary company to tow my car to a shop for assessment, they refuse to pay for the tow ( which is covered by the warranty ) and during this time I have been forced to pay out of pocket for transport to and from work. Until my car is operational or a replacement has been provided it doesnt make sense to me to pay for this vehicle while the company I am paying is not holding up their legally agreed upon end of the deal. This report is to protect my credit from being harmed by this maliciously derelict corporation.
Product: Credit reporting

I first disputed with TransUnion numerous accounts to have validated and to prove they are legally able to report. I received a form letter stating items they did investigate was complete. I then sent letters out asking for verification that a reasonable investigation was done and per FCRA to send me all documentation proving such was done. They sent me a form letter back just stating how they do investigation NO information. Now mind you there are accounts that were purchased by collectors who re aged accounts and arent reporting accurate dates of opening delinquency etc. This is called reaging. It is against the FCRA. These accounts should match the account in which debt buyer purchased from lender. It shouldnt be a new account! this is just one of a few issues I have and its plain to see on the credit report the reaging. You can look at status dates also as they are prior to my request. TransUnion doesnt want to do anything but send out form letters with no proof any investigation was done and just by looking at my reports you can see the total XXXX just with re aging of accounts. After all this I got tired of spending time dealing with this incompetent company which should have some documentation showing it is legitamate for them to report items and I asked for those and evidence that they per FCRA did a reasonable investigation and all I get is form letters back stating wont investigate and no information regarding investigations they were supposed to have done. Its getting very old with this company. Personally I dont believe they do a XXXX thing. If they did theyd be able to prove it. I then sent out intent to sue. So much inaccurate infomation its to the point if they are going to allow and dont care they should be sued.XXXX accounts alone by XXXX have been reaged and these people cant figure this out. All the items I listed should be removed because this company did NO investigation what so ever. Now they have even blocked me from going online to file dispute. This company shouldnt even be in business. I would hate to have to go to court but it seems thats the only way these people wish to deal with people.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX, XXXX ) Consumer Social Security Number : ( XXXX ), Consumer Date of Birth XXXX, Contents of Complaint : This CFPB Compliant has been filed to Request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agencies XXXX BLOCK & DELETE information appearing on my consumer credit report that is the result of identity theft and fraud within 4 Business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ( DPT EDXXXX {$7200.00} opened XX/XX/XXXX, XXXX XXXX Services {$9600.00} XX/XX/XXXX XXXX Card Services {$4000.00} opened XXXX XXXX, XXXX XXXX  {$1500.00} opened XX/XX/XXXX, XXXX Bank {$590.00} XX/XX/XXXX, XXXX XXXX XXXX  {$390.00} XX/XX/XXXX, ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items : The Inquiries listed are, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ). I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results of Identity Theft and Fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from The US Federal Trade Commission that all the aforementioned consumer credit accounts, collections and hard inquiries are the results of Identity Theft and Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX continue to send letters stating it is not me trying to validate the debt on my credit file. I have sent notification that indeed it is me ask for validation of such debt. Therefore the agencies are not doing their jobs in verifying the information and continuing to allow false information to remain on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a fraud alert placed on my credit file with Transunion that indicates anyone who runs my credit needs to call me in order to do so. That wasn't done which violates my rights as a consumer, and I am now left with several inquiries that I did not authorize. I've reached out to Transunion several times to advise of my credit being pulled without my permission.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a significant issue I have encountered with my recently opened Santander bank account. On XX/XX/2024, I initiated the account opening process and promptly made several XXXX deposits to activate it. Subsequently, on XX/XX/XXXX, I have now transferred a total {$2500.00} from my Bank of XXXX account to my Santander account via XXXX. 

To my dismay, upon attempting to access and utilize these funds, I discovered that my Santander account had been inexplicably frozen or blocked. Despite multiple attempts to seek clarification and resolution by contacting Santander 's financial line, I was met with vague explanations and no immediate remedy. Even the suggestion of visiting a financial center in person to expedite the resolution was dismissed, with representatives confirming the frozen status of my account and potential delays extending for weeks. 

This situation not only disrupts my financial activities but also violates Generally Accepted Accounting Principles ( GAAP ), particularly the principles of timeliness and accuracy in financial reporting. Santander 's failure to promptly address this issue and provide clear justification for freezing my account constitutes a breach of these principles. 

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and ensure that Santander provides a satisfactory resolution to rectify the damages sustained.
Product: Credit card

I have several fraudulent hard credit inquirys on my account that need to be removed, I cant seem to figure out where the inquirys are from but I know for a fact I did not make them.
Product: Credit reporting or other personal consumer reports

MY NAME XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX ny XXXX todays date XX/XX/XXXX I have disputed these fraud inquiries on credit report recently. I ask for these fraudulent inquiries to be immediately deleted and removed from my credit file I will list inquiries below thank you INQUIRIES : XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + All Banks XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Auto Financing XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 1681b. Permissible purposes of consumer reports.

15 U.S. Code 1681c2 - Block of information resulting from identity theft 12 U.S. Code 5534 - Response to consumer complaints and inquiries 18 U.S. Code 1341 - Frauds and swindles
Product: Credit card

My case XXXX which is about predatory tending practices on the part of the GM Card continues to be unbelievably unfair. After submitting complaints here, the company has ... for two months ... .toyed with me, giving me over to different managers or case workers, not called me back after I 've left multiple messages with the person they claimed I was supposed to call, mislead me about my options, down right lied to me about solutions, and then, ultimately told me that they refused to help me since I had not been able to afford to pay off my entire balance. 
What is so wrong now is that they are literally playing games with me ... they left me a message over a week ago and I 've called that specific person back many times and she wo n't call me back ... I even had a manager reach out to her to ask her to call me back and she wo n't. This credit card company is behaving so badly. Please follow up with this and publish the details of my story. Everything they have done should be public.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am so perplexed and doubtful about this situation. I have no idea what is going on over there at the CFPB. I have submitted the same complaints several times already, and you claim Im not the one submitting it. This is so absurd! So Im submitting it again and hope you are going to take steps this time. Equifax has not been acting in accordance with the Fair Credit Reporting Act ( FCRA ). under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please see the accounts are corrected at once. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX