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

I have purchased a vehicle in  XXXX  o  f 2015 for the amount of {$24000.00}. After i got a loan assigned, the amount went up to almost {$28000.00}. since then i have tried to make a several attempts to resolve this problem with a loan company " Santander Consumer USA '' and i either get transferred to another line or they are hanging up on me. I can not meet someone in person to talk because it is only over the phone process. also i have asked to lower the amount of monthly payments and was denied. so far S.C.U. is not lowering the amount i owe. I have paid around {$15000.00} to them and they have just lowered it to approximately {$1000.00}. there is absolutely no communication with them. i have filed a claim against S.C.U the to BBB.org and the have sent me a new contract with an amount of {$27000.00} for 72 months. which basically is a loan from the beginning.
In the beginning of the year i had no jobs for couple of months, and i have asked the for a couple month lower payment and was also denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian showing XXXX XXXX as delinquent. I have already tried asking them to remove as I have received the car title for this account. It has lowered my credit score drastically and asked them to remove it however not done yet. Privacy act of XXXX. I have submitted another dispute and waiting to see what the results are but need this removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, I noticed that some late payments posted to my credit report : XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX Your company is in clear violation of the law, Under 15 U.S.C. 1681b - permissible purpose of consumer reports, The Clearly States : In general.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to finish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. -- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C. 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for noncompliance [ 15 U.S.C. 1681n ]
Product: Checking or savings account

On XX/XX/XXXX, XXXX, at around XXXX, I made a cash deposit at the Chase ATM XXXX XXXX XXXX XXXX XXXX, NJ. Typically I'm leaving work late so I almost always make cash deposits to pay bills etc. My sister is here from school on winter break so she was with me I counted my deposit twice then had her count it we both counted {$900.00}. I deposited the money it said {$880.00}. My heart almost dropped to the floor the reason being almost everytime I make a atm deposit it almost always is {$20.00} off not {$10.00} off not {$2.00} not 5 always {$20.00}. I've always thought I was doing something wrong but lately it has been on my mind that something isn't right today was the first day I had someone with me who saw the same thing I saw and counted the money. So I called the bank I was in a panic I was enraged because this has been happening to me for years and I almost always attributed it to something else today it clicked that the atm has been taking my {$20.00} for years I'm disgusted I'm upset and I need for this to be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Besides, the inaccurate information and inquiries about my accounts are still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the personal information and inquiries that are still reporting on my account : Inquiries : XXXX Date of inquiry XXXX/XXXX/2021 XXXX Date of inquiry XXXX/XXXX/2021 XXXX Date of inquiry XXXX/XXXX/2021 XXXX Date of inquiry XXXX/XXXX/2021 XXXX XXXX Date of inquiry XXXX/XXXX/2021 XXXX Date of inquiry XXXX/XXXX/2021 XXXX Date of inquiry XXXX/XXXX/2021 XXXXXXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX  Date of inquiry XXXX/XXXX/2021 XXXX Date of inquiry XXXX/XXXX/2021 XXXX XXXX Date of inquiry XXXX/XXXX/2021 XXXXXXXX XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XXXX/XXXX/2021 XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 Incorrect Name : XXXX XXXX XXXX Employer : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Social Security Number : XXXX Date of Birth XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at 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 

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. 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 result 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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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  Account 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 card or prepaid card

Barclay Card posted a {$9.00} XXXX Transaction Date : XX/XX/XXXX Posting Date : XX/XX/XXXX I called XXXX and I do not owe them money. BarclayCardUS is accumulating late fees on this closed card which are appearing on my credit. 
I need these people to go away and stop harassing me! 

Posted a transaction dispute with BarclaycardUS XX/XX/XXXX and they ignore it and charge me late fees. 
This is not the first time I am having fradulant charfes on this card. Card was closed XX/XX/XXXX. 

XXXX refunded me {$140.00} on XX/XX/XXXX which never was credited to my card. 
I had numerous fradulant XXXX magazine subscriptions charged to this card which I rectified myself. 
In XXXX someone stole my reward points and after complaining they magically reappeared without explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I began shopping around for a vehicle and I visited 3 different dealerships. Ivisited XXXX  XXXX XXXX  XXXX XXXX, XXXX, and XXXX. At XXXX, I was approved for anew car. Upon looking at my credit report, all three dealerships ran my credit throughseveral credit approval companies. I have a total of 46 credit inquires across the three creditbureaus within a 7-day time frame. XXXX  XXXX XXXX XXXX XXXX XXXX placed a hardinquire on my credit 22 times. I sent letters to each of the individual companies andreceived a letter stating I agreed to them running my credit by providing the merchant mydriver 's license. I did not agree or approve these companies to run my credit 46 timesthrough several different companies, including those I have never heard of. XXXX XXXXcould have used the first inquire as it remains available in the system for 30 days. I waspreapproved through XXXX XXXX and presented my preapproval to each of thedealerships. Unfortunately, all three of the dealerships ran my credit through severalagencies without my consent. I did not authorize these companies to run my credit or viewmy credit report. I have contacted these companies several times to request the removal ofthe inquire and even hired a law firm to help, but they will not budge. I also contacted thethree major credit bureaus and I did not receive a response. 46 inquires across 3 creditbureaus within 7 days are truly excessive and violates several consumer laws. I would like all46 inquires removed from my credit. I did not provide written or verbal consent for this tohappen and I am saddened and truly devastation I am not being heard. These companieshave caused unnecessary harm. Thank you.
Product: Credit reporting

While I was informed by XXXX my credit score was XXXX, upon applying to lower an APR by transfering a balance on this one card we have, I was thrown back with the statement of not only a rejection .... but a low score of XXXX!!!! 

In addition, items that should have been removed years ago still remained on my credit report. Moreover, I even found a judgment on there that NEVER should have been for the story was totally different than a non-payment ... and the court system NEVER did a judgment on myself, nor notified me of any.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding an incorrect account on my credit reports from XXXX XXXX. This account is being reported inconsistently across the three major credit bureaus and violates credit reporting laws.

Additionally, I am a victim of identity theft. The details are as follows : Experian : Reported as XXXX XXXX XXXX with no account number XXXX : Reported as XXXX XXXX, opened XX/XX/XXXX, Account # XXXXXXXX XXXXXXXX : Reported as XXXX XXXX XXXX, Account # XXXX, opened XXXX XXXX  These discrepancies violate the Fair Credit Reporting Act, which requires accurate and consistent reporting. 

Furthermore, this account is the result of identity theft, for which I have filed a police report. I request immediate investigation and removal of this fraudulent account from all credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed that there are many variations of my name, address, and old employer information. I can not receive any mail at the addresses listed on my credit report. I do not know who those other variations of my name are. 

This is a violation of 15 USC 1681 Congressional Findings and Statement of Purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my XXXX  WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$42000.00} XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$3400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$45000.00} This complaint is my follow-up complaint to make sure the accounts are thoroughly investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX 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 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

On XX/XX/XXXX I advised the Navy Federal Credit Union ( NFCU ) call center that my interest 1099 for taxes was still being mailed to an old address that was changed in XXXX of XXXX. I was advised by XXXX that it was a membership error and the XXXX Department would fix it. Due to other issues with NFCU in the past, I asked to speak to a supervisor, I was told I would be called back before the end of the day. I received no call and called back on XX/XX/XXXX and spoke to XXXX, who advised she was a call center supervisor, she ensured me that the error would be fixed but I could not speak to the XXXX Department. I additionally requested an updated 1099 sent to the correct address, this was never provided. I was assured that all of my other account information was updated. I had reviewed my account information online and could not find any place the old address remained. 
The XXXX tax year 1099 statement was again sent to the previous address, since this is a tax issue and has been incorrect since XXXX I am filing this complaint. The current owner of my old residence, who is a friend, forwarded my 1099 statement again. NFCU has failed to comply with federal law in providing mandatory tax documents.
Product: Mortgage

XXXX XXXX was previous mortgage holder. They sold my mortgage to Roundpoint Mortgage. Neither XXXX nor Roundpoint will take a call asking for verification of my mortgage status ( up-to-date or not up-to-date ). XXXX XXXX says they will forward payments, Roundpoint says they will honor back payments. But neither will answer my call asking if the mortgage is currently up to date. I called Roundpoint again today, and they still have their recordings in a loop that eventually disconnects the call. I am afraid that they are setting me up for a default. 
How can we require the agents at Roundpoint to be in touch with me? 
It appears that they are connected to XXXX, adn that I am getting 'the squeeze ' from Roundpoint now that they have my mortgage. 
Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Bankruptcy XXXX XXXX  reference # 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 with my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously submitted my complaint with the credit bureaus and later to the CFPB. To no avail, an account is still reflecting incorrectly on my credit file. CFPB has not failed to help me get this issue resolved and I still have not been monetarily compensated. Now I am being charged even higher rates and am being affected from finding an apartment. 
The account in question is XXXX XXXX ACCOUNT NUMBER XXXX ADDRESS XXXX XXXX XXXX XXXX, TX XXXX is still only reflecting incorrectly on XXXX AND NOT EQUIFAX OR XXXX. The information across all three reports is inconsistent and go against the laws regulations which state information should be consistent and after the investigation 30 days if it is not fix it needs to be removed. This needs to be fix and completely removed since all three bureaus continue to refuse to actually update my credit file with consistent information. It has now been 90 days and this issue still isn't fixed and their investigation only left me with more fees. I have attached the credit reports with show the inconsistent information. XXXX XXXX is on XXXX and not on Equifax or XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card

I received an email from apple support stating that my account had been closed the following is a the actual email : Apple Card | Goldman Sachs Apple Card XXXX XXXX XXXX XXXX XXXX Your Apple Card account has been closed. 
Your Apple Card account has been closed as of XX/XX/2024 and can no longer be used for purchases because : There was a failure to comply with the terms of the Customer Agreement Currently, your account balance is {$28000.00}. Recent activity, including purchases and interest charges, may not yet be reflected. If you have a balance, minimum payment must be made each month until the account is paid in full. You will continue to receive monthly statements until the entire account balance is paid off. 
To make a payment, go to Apple Card in the Wallet app, or reach out to an Apple Card Specialist. 

When I called the specialist, the gentlemen stated that none of the information that I provided was in their system and that I did not have a record of ever having an apple credit card account. The representative also informed me that he could not provide me with proof of this conversation due to not showing any record of me never applying for an apple card or having account with apple.