23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have a son, XXXX XXXX XXXX, aged XXXX, XXXX but high functioning. I still have guardianship & conservatorship. I set up a student checking account with NO overdraft for XXXX at BB & T, my bank for over 15 years. On XX/XX/2019 XXXX received a snapchat from someone claiming to be from the Secure Checking Network center in XXXX, XX/XX/XXXX, offering money to be deposited into his account. A scam obviously to you and I, but NOT to XXXX which is why I set what I thought to be reasonable restrictions on the account. On XX/XX/XXXX a mobile 'deposit ' of {$1800.00} and on XX/XX/XXXX mobile 'deposit ' of {$3100.00} were made into XXXX 's account. Apparently BB & T gave full credit to these deposits without verification because on XXXX all that money and more made its way out of the account as out of state transactions. At the same time XXXX was using that ATM in XX/XX/XXXX for incidental purchases at XXXX XXXX XXXX and XXXX XXXX It seems the bank had several " last clear chances '' to detect this fraud ; noting that XXXX rarely had more than his part-time weekly paycheck of < {$270.00} in his account at any given time. It would seem their contributory negligence far out ways any errors made by XXXX. He has not shown any fiscal or proprietary gain from these transactions. Yet BB & T, rather than try to ascertain the details of the fraud, directed XXXX, and by association me the parent account holder to take out a loan to pay the bank back over {$3500.00} stolen from THEM, not us. Forfeiting XXXX 's account, likely less than {$30.00} at the time, is a given. But to hold us responsible for the amounts claimed on this fraud is onerous and downright unconscionable.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my last complaint to Equifax ( attached ) I requested their proof of permissible purpose of my consumer report. In accordance to the FCRA ( Attached ) I have the right to request anything in my credit. Per the FCRA permissible purpose entails the following : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I am requesting proof of permissible purpose for the following accounts : XXXX XXXX XXXX XXXX Now, I need Equifax to understand that I have researched and understand and over stand my rights under the FCRA and their obligations as a credit reporting agency under the FCRA. Because of the disregard to their obligation under the FCRA I have submitted a formal complaint to the GA state attorney XXXX XXXX XXXX on XX/XX/2022 as Equifax have refused to supply me proof a court order or my written instructions granting them permission to furnish my consumer report. In addition to the efforts I have already taken, I will Under the FCRA seek damages in court in the amount of {$1000.00} per account PLUS putative damages. 

I reason to believe that equifax forgets that they are not a government agency and they have federal procedures to follow and nothing trumps that. 

I am hoping to settle outside of court However, in the event that Equifax continues not to comply with their Federal regulations and obligations I will proceed to filing my summons in court.
Product: Mortgage

Per letter dated XXXX XXXX, 2016, Mortgage Clearing Corporation would begin servicing my loan 15 days from the date of the letter. I have called multiple times but have still not received a coupon book or monthly statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see my previous Case Number for - XXXX. 

XXXX  XXXX said the inquires on my account will be removed but it still hasnt for my transunion XXXX XXXX XXXX score and fico score. I was advised to wait 60 days for the changes to reflect and have those inquires removed but up until now it stills shows XXXX  XXXX inquires on all my credit reports. please see attached letter you sent me. 

am in the middle of applying for my mortgage so please set urgency.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.   XXXX   XXXX   2.   XXXX   3.  XXXX  4.  XXXX  5.   XXXX   XXXX   6. Regions Bank 7.   XXXX   XXXX   XXXX   8.   XXXX   XXXX   9.   XXXX   XXXX   To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The  XXXX . It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.
Product: Consumer Loan

Hyundai Motor Finance has added a past due balance of {$8000.00} to my credit report. I had a XX/XX/XXXX Hyundai Genesis that I traded in for a XX/XX/XXXX Hyundai Genesis. When the dealership sold the car there was a balance of {$8000.00} that was due on the lease. My lease contact that I signed for my XXXX Genesis show that XXXX XXXX had carried over the balance to my new lease. I have tried to explain this to HMF, but with no avail. HMF still insist that I owe them {$8000.00}. I 've provided HMF with the check that XXXX XXXX sent to HMF. I like to have this outstanding balance removed from my credit report and ask the my credit reflect Paid in full as agreed.
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of XXXX XXXX XXXX ( d ) ( XXXX ) as that information pertains to experiences any continuation of providing negative information required by section FCRA XXXX ( XXXX XXXX. XXXX ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 
Delete Immediately for those accounts innacurate info such as unauthorized inquiries and update to paid on time and never be late for those account that has violated XXXX XXXX XXXX XXXX ( b ) billing error
Product: Mortgage

I received a letter from the mortgage company, mr Cooper on XX/XX/2019 about an overage in my escrow account of {$8100.00}. The overage is actually {$6200.00} because I've been paying into an escrow account for years. They want me to pay {$1100.00} for 12 months to cover the overage which equals {$14000.00}. That is twice what the overage is and too much for me to handle. My mortgage payment went from {$1400.00} to {$2600.00}. I'm retired and live on social security.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - 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 XXXXXXXX 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 card or prepaid card

On  XXXX   XXXX ,  2017 , I purchased a brand new textbook from   XXXX   XXXX   XXXX   in  XXXX , CA for {$85.00} using my  Discover  Card. This textbook, in brand new condition, was supposed to come with an online access code. The textbook that I received, however, DID NOT come with such a code. In addition, the textbook was missing pages. After multiple unsuccessful attempts at working this out directly with the merchant, a dispute was filed on  XXXX   XXXX ,  2017  directly with my credit card iss uer, Discover Card . On  XXXX   XXXX , I received notification that the credit card issuer is unwilling to assist me in this case due to " lack of documentation '' from my end. With all due respect, I expect a full credit to be issued here. I received damaged merchandise from a dishonorable and dishonest merchant. I tried, in my best interest, to get this issue directly resolved with the merchant. When the merchant refused to cooperate, a billing dispute was initiated. As it stands right now, I am left with a damaged and defective textbook that is missing content and a credit card issuer refusing to cooperate in this investigation. I expect Discover Card to be held fully accountable for this as I did everything I possibly could with respect to a resolution with the merchant. In this circumstance, a full refund of {$85.00} is the only amicable resolution to this defective textbook purchased.
Product: Credit card or prepaid card

I applied for a business credit card with Bank of America today Monday, XX/XX/2020. 

I did not get an application number or a decision from the bank. But their is a hard inquiry on my XXXX and my XXXX credit score is XXXX as of XX/XX/2020.
Product: Credit card or prepaid card

On XX/XX/XXXX and XXXX of 2022, XXXX fraudulent charges were made to my Capital One Account for XXXX and XXXX. I have been a victim of identity theft and have reported this to the FTC and also validated that I was part of the XXXX data breach. In the past year alone, a few of my credit cards were used fraudulently. In these cases, I never received the new cards in the mail and was suddenly made the victim of fraud shortly after they were to have arrived via XXXX. I worked with police authorities who were able to obtain tapes from merchants showing a man making the purchases. I am a woman. The only way the credit cards could have been used is through the activation process which requires at minimum the last XXXX digits of one 's SSN. 

I lost this particular card and the perpetrator was able to create a new PIN and use it at an ATM to complete two cash advances. I filed a dispute with Capital One and they have denied my dispute. I have XXXX XXXX which impacts my vision. The transactions occurred in XXXX XXXX, IL and I live in XXXX and could never have possibly driven that distance without risk of accident or injury,
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX resent request to have entries for XXXX XXXX and XXXX deleted. Accounts had not been verified/investigated per FCRA. 
Original creditors admit to not having information regarding account in question. 
XXXX-has no record of account in question unable to provide information. 
XXXX XXXX- has not responded with original signed documentation of account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to even contact Equifax to get an issue resolved that has been making me unable to have my XXXX XXXX student loan processed, on XX/XX/2022. 

Equifax seems to be unable to recognize that I exist as a human being - every time I request a report - or even try to contact them - they generate a code ( XXXX  ) and kick me out of the automated system. The automated phone system doesn't recognize me and tells me to try the website. The website doesn't recognize me and tells me to call. 

I am unable to get approval for credit because of them - my student loans, with classes beginning in XXXX weeks. 

XXXX and XXXX both work fine for me- they generate my credit reports and I have had no issue with them. It has been beyond frustrating that Equifax is potentially jeopardizing my academics because they don't have credit on me or believe that I am a person- when the other XXXX are doing their job just fine with no issue. 

I have even mailed them my documents in previous years to get this issue fixed, and still nothing.
Product: Credit card or prepaid card

I will be filing a lawsuit. I been contacted the corporate office and I get the receiving end of the phone hung up on me
Product: Credit reporting or other personal consumer reports

I request that the credit bureaus update the account status for XXXX to accurately reflect the resolution of the debt as 'Paid in Full ' or 'Settled ' with a {$0.00} balance. The current status of 'Closed. {$250.00} written off ' is incorrect and does not reflect the payment made on XX/XX/2025, to XXXX XXXX XXXX, the current owner of the debt.

I made complete payment and have evidence.
Product: Student loan

Started  XXXX   XXXX , under  XXXX   XXXX , in   XXXX    . The institute continued to call for me to begin classes. I informed them because my background would impede my ability to secure employment. I was told it did not matter what my background was they would be able to secure me a job. Upon completion of the program, they were unable to assist me with a job due to my background.  XXXX  began charging me for the loan   XXXX   XXXX    .   XXXX  would no t pay for my certification. According to the intake process, they were supposed to cover the cost of the certification. A class action suit was filed again  XXXX  and  XXXX   XXXX  for defrauding a student. There was a misrepresentation of information. To date, they have not been able to assist me with employment based on the program I completed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information reported on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), Disputed Account Information : Creditor : XXXX XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX, XXXX : Paid in settlement. {$24000.00} written off.Date of Last Payment : XX/XX/XXXX, XXXXOriginal Balance : XXXX XXXXReported Balance : -Reasons for Dispute : Inaccuracy in Reporting : According to the FCRA, all information reported must be accurate and complete. The status of this account as " Paid in settlement '' with {$24000.00} written off is not correctly reflected.Potential Violation of 15 U.S.C. 1681c : The FCRA mandates the accurate reporting of account statuses, and any paid or settled accounts should be updated promptly. This account is inaccurately reporting a negative status beyond the settlement date.Failure to Update Status Correctly : The status update in XX/XX/2023 is inconsistent with the settlement terms and does not accurately reflect the account 's closure and payment status.Action Requested : I request that the credit bureau contact XXXX XXXX XXXX to verify the account is mine by providing receipt of certified mail sent to my address.The accuracy of this account and update the status to reflect that the account was paid and settled correctly as of the last payment date, XX/XX/XXXX, XXXXCorrect any discrepancies and remove any negative remarks associated with this account since the account has been settled in full.Provide me with a corrected copy of my credit report.
Product: Credit card or prepaid card

I am fairly a happy customer with Citi Bank with a credit card relationship since 2017. I have not missed a payment but I was given a credit line of {$200.00}. I called and spoke with a representative about converting from the Citi Diamond to one of the 3 offered new product - I elected the Advantage Executive. The Rep advised that I needed a minimum credit limit of  {$5000.00}. I applied and got denied a credit line increase online, then again the rep processed another credit line increase. I asked if there is a way to make contact with their credit team to request a second review since there is no credit check involved. I was advised that they are not customer speaking, understandly I opted to ask if the rep could create an internal escalation with my request for a second review ; I was then told there is no way they could communicate with the credit team. In awe of this response I asked to speak with a Supervisor to be told the same thing. I am not sure if this is a dead stop to the service I was asking for or if its a form of prejudice being refused a service. I have other credit cards with high limits, 2 XXXX charge cards ( platinum and Gold ) and have never missed a payment. Having a credit line of only {$200.00} is more harmful then helpful, if I should spend {$100.00} then it would be reported that I have 50 % credit available to me which will probably give an adverse effect to my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a certified letter ( XXXX ) to XXXX XXXX for them to remove this inaccurate account on my credit report. They never responded which is a violation. Furthermore, the continue to report inaccurately on my report. I am part of a class action lawsuit with XXXX where the practiced predatory loan practices in the XXXX of XXXX XXXX XXXX to remove all loans from consumer credit reports.
Product: Credit reporting or other personal consumer reports

I have attempted on many occasions to repair my credit even joining XXXX XXXX XXXX program, requesting my credit report and other credit reporting agencies such as XXXX XXXX or through my bank portals XXXX and XXXX XXXX 
To this day no matter the disputes filed with credit agencies such as XXXX, primarily XXXX and equifax. There have been no changes or updates. I cant get approved for credit. I feel discriminated against. All my attempts are not considered or resolved. I find that all three of these credit agencies are scamming people into becoming members of their repair agencies in the guise of credit repair and only collecting membership fees with no real intent to improve those ratings, statuses or information that has been collected and used inaccurately. I am consistently denied any actions on my disputes or the information is inaccurate old and worse completely false. My credit score should be so much higher and yet it reflects items that have been paid that state charge offs collections and lack of credit. Which how can you disapprove someone for lack of credit yet deny them the opportunity to obtain it. 
I deserve the right to have fair and equitable opportunity for credit whether it be through a loan, credit card or any other form. And I have also reported that my identity was stolen no investigation was made and no resolve of the matter either. I understand you are suing the credit agency. I believe that is absolutely the best form of action at this point because they are not doing anything for us but denying us our fair and equal rights to credit. They are in fact discriminating against us with their inaccurate reporting and lack of accountability for what is being requested as citizens. Please continue to move forward with your attempts and actions and know the public agrees with complaints and attempts for accountability.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : FREEDOM MORTGAGE CORP  XXXX XXXX FREEDOM MORTGAGE CORP  XXXX and FREEDOM MORTGAGE CORP  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from loan lender ( XXXX ), telling me that they received my application from their partner OpenRoadLending, But I don't give any permission to OpenRoadLending to share my information, the same company who did a hard inquiry under my name without permission ( issue that I'm trying to resolve with XXXX ) so now they are sharing my information with other lenders without my approval, I was trying to reach that lender ( XXXX ) but I couldn't find a telephone number on their web page
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Re : Complaint against [ SANDANTER CONSUMER U.S.A ] for violating my rights under 15 U.S.C. 1681 ( FCRA ) and 15 U.S.C. 1666b Account # XXXX Dear CFPB, I am writing to file a complaint against SANTANDER CONSUMER for violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Specifically, they have violated sections 602, 604A, and 2 of FCRA ( 15 U.S.C. 1681 ) and section 1666b of TILA ( 15 U.S.C. 1666b ).

The violations are as follows : In accordance with the fair credit act this creditor has violated my rights under 15 u.s c1681 section 602 I have the right to privacy 15 u.s c 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 u.s c 1666b a creditor may not treat a payment on a account under an open credit plan has late for any purpose. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX