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

Three accounts were charged off but they still appear on my credit report in a negative status. The companies did not issue a 1099C although they have already charged off the amounts an of course take a loss on their financial statements for these items. I have requested removal of these negative information from my credit reports and/or the issuance of 1099C without success.

I have also refuted some of these balances as most times the original lender sold the account to a collection agency for pennies on the dollars. This then result in a collection agency hounding us like a bulldog to collect moneys that have already been written off. 

All these issues paint a negative picture on the credit reporting agencies which effectively effect creditability and affect my ability to get credit at a lower interest rate or no credit at all
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Equifax was sent a ftc report on XX/XX/21!! All 3 bureaus have ignored my ftc report requesting fraudulent information be blocked from my report. Ive a victim of identity theft! All fraudulent accounts was listed on my ftc report. I also sent proof of address and identity. The following accounts are 1XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX  3.XXXX XXXX XXXX 4.XXXX. 
Its also a number of fraudulent inquiries listed on my ftc report also. 
per fcra 605b all fraudulent items must be blocked within 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Car was purchased in XX/XX/XXXX and was in an accident resulting in a total Loss in XX/XX/XXXX. This account was included in a LAWSUIT filed against the company in which the loan and any balance owed was to be deleted from my credit report due to a determination Santander used unfair predatory loan charges to low income and subprime credit customers. The settlement with Santander stated it will resolve allegations that the bank violated consumer protection laws by putting subprime borrowers into loans that carried a high probability of default. Instead of doing so and removing this account from my report, it is inaccurately STILL REPORTING, affecting my score and has recently been updated to state closed as of XX/XX/XXXX is is absolutely NOT TRUE. I would like this account removed immediately or there will be legal consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a CHAPTER-XXXX BANKRUPTCY That was DISMISSED and My Mortage was included. But the Mortage company " XXXX XXXX XXXX '' is still reporting the the Reporting Angency 's after 2 years. And they reported XX/XX/XXXX and my BANKRUPTCY was Dissmissed XX/XX/XXXX. It dropped my score significantly! They waited 2 years and false reported knowing that it was dismissed.

On top of that it is in the law under 15 USC 1681 ( a ) under the exclusions ( b ) that this has to be excluded from my credit report, so how is it that this is even reporting. This is wrong and it is affecting consumers but they don't care.
Product: Checking or savings account

On XXXX XXXX I tried to make a wire transfer for {$20000.00} and the bank cancelled it for security reasons. 
When I called to have it unfrozen, they asked to verify my identity with questions. Some of them I could answer, some I couldn't because the pandemic and subsequent quarantine caught me in XXXX for family reasons and I do not have all my records on hand. 
That caused them to freeze my online access to my account. After countless hours on the phone, I have not been able to resolve this issue because the only way left to do that is for me to visit a XXXX branch, something that is impossible for me right now. 
I'm an older adult and will not be flying anytime soon. 
This means I lost the opportunity to invest the money I tried to wire, which cost me money, plus all the inconveniences it entails being abroad and not having access to my account, not being able to review my balance online as I have done many times when traveling, and not being able to help my son with wires I had been arranging before this freeze. 
My son is also being affected financially by the pandemic and temporarily needs my help.
Product: Debt collection

I've sent two certified letters to the try and resolve and verify this debt. they responded to the 2nd letter without providing any or all documentation regarding the debt that owed. Action are currently still being reported by the company. 

Certified letter # 1 XX/XX/2022 Tracking # XXXX Amount {$2200.00} Midland Credit Management Certified letter # 2 XX/XX/2022 Tracking # XXXX Amount {$2200.00} Midland Credit Management
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXXXXXX XXXX,2020 XXXX XXXX alerted that Midland Credit Management has added a derogatory remark on my credit report per XXXX XXXX. Collection reporting upon further research this account was transfered and sold and I am no longer responsible for the amount of XXXX. Debtors Credit didnt verify the collection. Also, there was NO written form of communication, contract, or written signature for the amounted debt at all. A bill without a signature does not validate debt and anybody can send a bill and say that it is mine. According, to the FCRA Midland Credit Management has violated my rights a consumer and I am requesting legal action to remove this immediately from my credit report.
Product: Credit card or prepaid card

I'm a victim of identity theft. A Home Depot credit card was opened in XXXX XXXX without my authorization or knowledge. I have called and reported identity theft to Citibank who represents this card two times in the last year. Citibank calls me 3 times a day trying to collect a balance of {$600.00} that isn't mine.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX  : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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

Hello, I have contacted Equifax several times about the non- factual inquires located on my credit report. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Also Equifax has had several glitches which is where the mix up with these accounts came from being on my credit report. DO NOT REPLY WITH A GENERAL MESSAGE. THIS IS A REAL ISSUE AND NEED TO BE TAKEN CARE OF ASAP. 

Please contact the companies below and investigate such occurrence. Also, the accounts listed have also been deleted by Other Credit agencies, please follow suite and delete these immediately. 

As part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

Please delete these non-factual records off my account immediately. 
ACCT NAME INQUIRY DATE EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting

I contacted the credit bureau in reference to some unauthorized and uninitiated inquiries in my credit file. They advised me to contact the creditor, if I did not contact them in order to establish a relationship initially why should I have to contact them to have it removed. The credit bureau broke the law by allowing false information to be reported in my file. So they need to contact them to have it removed. 
XXXX XXXX XXXX NJ XXXX I am writing to dispute the following information in my file. I recently received a copy of my Experian credit report. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX ( XXXX ) Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Credit Report Information Dear Sir/ Madam , I am writing to dispute incorrect information on my credit report. After reviewing the report dated XX/XX/XXXX, I found several errors that need to be rectified as soon as possible. Please find below the specific discrepancies I have identified and my request for corrections : 1. Name Discrepancy Incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 . Date of Birth Incorrect : XXXX Correct : XX/XX/XXXX XXXX. Address Discrepancy Incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Correct Current Address : Incorrect Previous Address : XXXX XXXX XXXX, XXXX, PA XXXX Correct Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Correct : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX 4. Employer Information Incorrect : XXXX  Correct XXXX XXXX XXXX New York Please investigate these discrepancies and correct them promptly. I have enclosed a copy of my Pennsylvania Limited License for your reference and to verify my identity. I trust that you will update your records and reflect the accurate information in my credit report. 

If you require further information or documentation, please do not hesitate to contact me. I expect a written confirmation of the changes once they have been made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Hello, I have disputed my credit acceptance account multiple times, experian has not completed my request at all. This vehicle is not my vehicle and is not on XXXX & XXXX just experian. I need this account removed. It's an truck and need it removed.
Product: Debt collection

I would like to bring to your attention that XXXX has already removed the disputed account from my credit report as they were unable to verify the debt. I request that your bureau also remove the same account from my credit report as it is causing me undue stress and anxiety. The questionable account is : XXXX  XXXX XXXX XXXX. Despite my repeated attempts to resolve this issue directly with the creditor and through your bureau, I have faced nothing but obstacles and delays. It is unacceptable that there is not enough proof to show that this debt is valid, and I demand that it be removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company never disclose to me that if I had an extension on a monthly payment that it would affect me negatively on my credit report so about XXXX different times I requested an extension but my loan is paid in full and now in the credit report it says that I had a 30 day late payment which is not true. The company was Santander. It shows XXXX balance on my credit report with Santander but I want it removed from my credit report
Product: Vehicle loan or lease

The first issue began in approximately XXXX of XXXX. Ally financial stated and continues to state they work with people financially hit by covid-19. I had been. For three months I attempted to work with Ally and every time I was asked what's the condition of your car and refused any assistance. My car was finally repossessed. I recieved a letter in the mail a day after that the car was to be repossessed. The bill doubled of what was due. During this process Ally was mainly unhelpful attempting to gain information on getting the car back. One agent actually told my wife he " doesn't know why Ally didn't work with us on covid-19 relief because they work with everyone ''. Obviously a flat out lie. 
Next a payment was made XX/XX/XXXX for the XXXX payment. The XXXX payment was due on the XXXX. On the XXXX of XXXX I received an email the payment had been unsuccessful. The last attempt to take it out was on the XXXX. Prior to this date several calls were made to Ally requesting why the payment wasn't taken out yet and why. They continuously states it takes 2-3 days to process. While my math skills may not be the best XX/XX/XXXX to XX/XX/XXXX is almost 2 weeks or 14 days. Thus equalling far more than the " needed 2-3 days processing time ''. A call was once again placed and a run around was given again, and even speaking to a supervisor or a manger obviously wasn't going to happen despite the request several times into the phone call. 
Furthermore I'm tired of government agencies covering for places like Ally Financial where the customer gets XXXX, the business doesn't even get a slap on the wrist and that's all there is to.
Product: Payday loan, title loan, personal loan, or advance loan

I signed a 24 month no interest loan agreement with XXXX XXXX XXXX Universal Account Servicing. I've made payments consistently for 14 months. I missed the month of XXXX and became 22 days late. I submitted payment to bring my account current. Upon account review, I see the full interest for the the past life of the loan has been applied to my account balance. My account is now subject to future interest as well. I called customer service who stated " we offer a 7 day grace period for late payments and your account is subject to accrued interest if you miss a payment '' I reviewed my loan contract and none of this verbiage is in the agreement. I was transferred to a supervisor who stated the contract agreement statement of " Minimum monthly payment required '' translates to " You will have to pay all past interest and future interest if you miss a payment '' The only reference to a late payment is a late fee " If any payment is more than 10 days late you may be charged 5 % of that installment or {$5.00} whichever is less '' - The tactics employed at this organization are deceptive and harmful to consumers who believe a No Interest offer will hold up. I look forward to them correcting the situation.
Product: Student loan

This is an issue I am having with paying my student loans. I have paid an amount from my bank account that is not being applied to my loans, and is not reflected on the EdFinancial site. 

On XX/XX/XXXX, I paid {$6000.00} from my XXXX XXXX account into my subsidized loans. 

On XX/XX/XXXX, {$3.00} was applied to " XXXX XXXX XXXX - XXXX '' XXXX. 
On XX/XX/XXXX, {$1900.00} was also applied to " XXXX XXXX XXXX - XXXX '' XXXX. 
On XX/XX/XXXX, {$280.00} was applied to " XXXX XXXX XXXX - XXXX '' XXXX. 

A total of {$2200.00} was applied as a payment to my student loans on EdFinancial Services. 

There is a difference of {$3700.00} ( {$6000.00} applied minus the {$2200.00} reflected on EDFinancials site ) that is missing, and that has not been applied to my loans, but should have been applied. 

I have reached out to my bank at XXXX, and received confirmation that the {$6000.00} amount was correctly sent to, and received by EdFinanical.

I am happy to provide account info, screenshots, etc., in order to help resolve and apply the missing funds to my account.
Product: Debt collection

I am writing as a victim of the XX/XX/XXXX XXXX security breach. I have been attempting to validate suspicious activity on my credit report since the breach in which my contact and personal info were leaked. In the process of doing this, I submitted two requests for debt validation ( first on XX/XX/XXXX and second on XX/XX/XXXX ) to the Portfolio Recovery Associates Group and requested they only contact me by mail. I received a call on XX/XX/XXXX at XXXX from PRA at ( XXXX ) XXXX and the representative informed me the documents I requested were mailed to an address that I confirmed is not mine. It upsets me to know my personal and private information have been shared due to improper validation of this debt and Im sure it is unlawful for the collection agency to share consumer information in such a way. Furthermore after speaking with the original creditor, it was brought to my attention this debt has been misrepresented. In violation of the Fair Debt Collection Practices Act, the collection agency has added charges and fees to the account and is falsely reporting new account activity such as payment delinquency. Also, in respect to Section 623 of the Fair Credit Reporting Act, furnishers must note delinquency within 90 days, list the same date of delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by PRA Group regarding this account and furthermore I received another call from them on XX/XX/XXXX @ XXXX XXXX from ( XXXX ) XXXX. I have submitted this complaint in attempts to have this debt verified and this account investigated.
Product: Checking or savings account

I have been lied about a refund from the pending deposit by 3 different CSR 's. I have patiently waiting for my * {$790.00} and been giving 4 different times dates the check was mailed. Its been 1 month 2 wks  and in the first week of XXXX was told 10 working days and nothing. I called and was told 14-17 working days so I waited. then I was told account just closed on XX/XX/28 and ity be 10 working days again and check to was mailed. I waited past 10 working and no funds so I called CSR and was told it was XXXX and claim it and it was sent back and couldn't provide me with tracking # and was getting answers from a department that I couldn't speak to for some reason after being told 15 more days today. We are retired we are always home and I called today to be told that internal management said which only speaks to employees 15 more days!! I have a small business and which relies on these funds to keep going and because of this, it will be closing. I would use this money to take my XXXX  son 's needs which have helped out for years and now we suffer and figure out things because of your bank 's inconsistency and CSR 's that lie and tell whatever. All is my money back not yours that we worked for and there shouldn't any excuse! I WILL BE FILING A COMPLAINT WITH THE FEDERAL RESERVE AND ATTORNEY GENERAL YOUR AREA. I have been pushed around so much by a bank and sure took out fees to be treated like this. I want some to call me that make decisions and tell me where I can pick my funds. I have long enough and been very patient my number is XXXX XXXX or email me
Product: Credit reporting, credit repair services, or other personal consumer reports

I've have mailed out a letter and called them Transunion! When i called they said they never got my letter .. when I mailed my letters I never got a response. XX/XX/XXXX XX/XX/XXXX INQUIRY DATE XX/XX/2020 The company never replied back to theXX/XX/XXXX within time and needs to be removed per FCRA, they are still reporting this item is a violation per FCRA and should be handled promptly. I FEEL LIKE THE XX/XX/XXXX COMPANY IS BLATANTLY NOT RESPONDING TO MY LETTERS AND REQUEST
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to buy a house so I spoke to a bank lender on what I needed to do to get started. My credit needed to get pulled to determine if I was able for financing. When they received my report they told me my score was to low for any type of financing for a home. I asked him why and I was showed my report. The accounts on my report are not mine. None of the accounts belong to me. I believe some one has stolen my identity. Please remove the fraudulent accounts from my report. 

XXXX XXXX, XXXX. 
XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX {$2600.00} US DEPT OF ED/XXXX XXXX {XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX  XXXX   XXXX {$22000.00} XXXX XXXX  XXXX {$930.00} XXXX  XXXX {$280.00}
Product: Mortgage

I will attach letter of complaint sent certified return recite to XXXX. 

I have sent several letters that have gone unanswered to XXXX. 
overcharging bi monthly fees, and other random fees. late payment and late fees. 
contract states electronic draw monthly. I have no control over this. 
I have never made any payment ever late. 
I have simply asked for the return of all {$7.00}, {$10.00}, and {$30.00} overage fees and any regarding late payments be refunded. 
this has gone on for several years, XXXX never replys in writing, always on phone and the people on the phone have no idea of my account. this is a collection company. 
My credit is perfict and i would prefer to keep it that way. 
I have always made extra principal payments and paid before loan was due. 

Thank You, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021 XXXX at XXXX XXXX   XXXX XXXX received a text message stating that {$250.00} had been transferred from my savings account into my checking account. Then at XXXX XXXX  I received another text message that {$250.00} have been transferred sir bird from my checking account in to  discount into an account owned by XXXX XXXX. Upon waking up at XXXX XXXX contacted netspends 800 number to inform them that I did not make this transaction, Their office was closed and  the voice message informed me that they did not open until XXXX XXXX. I called the XXXX inform them that the transaction that had taken place I did not authorize nor conduct and I received a text message at XXXX XXXX  while holding for the net span customer service to report the transaction as fraudulent. The text message I received at XXXX XXXX  stated stated do not use your card card as there may be a problem with your debit card please contact customer service. I explained to the customer service person that I did not conduct the transactions after which that representative tried to transfer the funds back into my account from that account of XXXX XXXX. The representative told me that the funds were no longer available in they're available in that account.. I opened a dispute transaction with the representative and was told that it would take up to 10 days to complete the dispute and possibly get the money back into my account. The representative told me that the funds were no longer available in they're available in that account.. I opened a dispute transaction with the representative and was told that it would take up to 10 days to complete the dispute and possibly get the money back into my account. As of today XX/XX/2021 the funds have not yet been added back to my account and I have now been told by net span customer service that the funds will not go back into my account because they did not find an error and an error. I have escalated the transactions and the rejection of my dispute with netspend to their higher investigators respond. I have been told that that can take up to 10 days and I am awaiting my funds to be released back into my account for the amount of {$250.00} that was stolen from me in the wee hours of the morning and that netspend is saying they have no error showing that the funds were not conducted by me even though they sent me a text message stating that there have been some odd activity with my card do not use my card until. I have told them I need my money back now!