23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have on XXXX separate occasions requested that Santander Bank provide to me the Owner/Investor of my mortgage. 
On the first attempt ( request made by phone ) the wrong information was sent to me. 
On the second attempt ( request made by phone ) the information was never sent. 
On the third attempt which was an Overnight letter ( XXXX tracking XXXX ) there was no confirmation or acknowledgement of any request even made. 
My understanding is that a bank is required to provide the owner/investor on a mortgage when asked. 
I also asked for loan modification option guidelines as dictated by the investor and this was not provided either. 
I am once again requesting for the bank to disclose the following : Who is the owner/investor of the mortgage? 
What are the loan modifications offered under the guidelines of the owner/investor? 
Thank you
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credi standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute to XXXX, a account on my credit report was older then 7 years I used credit karma to do the dispute and it said by XX/XX/XXXX I should have a answer which I did not so I called XXXX they claim the account was already removed, credit karma failed to notify me or update there records
Product: Credit reporting or other personal consumer reports

My account with 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 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 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 reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am having some issues with Credit Card department. I had originally applied for a XXXX XXXX XXXX in XXXX of 2022 to help rebuild my credit profile. In late XXXX I received my first statement but never received my card. I reached out to customer service and they advised me that they would send out a replacement card and restart my account so I can make the Annual fee payment after I receive my card. 
I then receive my second statement but did not receive my card again. I contacted customer service and informed them about my card, they agreed to send out a second card and again reset my account. I then receive my third statement and no card. At this point I called customer service and requested that my account be closed. I was told that nothing was reported to my credit due to this discrepancy. 
I recently got a copy of my credit report and not only did they report XXXX lates but they also reported XXXX different accounts. This is very damaging to my credit so I reached out to customer service to get these accounts removed as I never received the credit cards. I was informed that XXXX XXXX is unable to do anything about this and that it should be disputed through the credit bureaus. I advised her the information being reported is correct and is hurting my credit drastically. I requested to speak with a manager but was denied. The representative would rely my concern to the manager and the manager to would advise the representative what response to give me. 
The second time I reached out and was finally about to speak with a supervisor, she informed me that 3 accounts WERE NOT reported and that only 3 cards were issued. I advised that 3 accounts are reported and to please remove them or to transfer me to someone that could help with the situation. She insisted that I should take to the credit bureaus as they can not do anything about it.
Product: Checking or savings account

On XX/XX/year> I called and spoke with a USAA representative about a new job I had started where they wanted me to purchase work equipment. I informed the representative of all of the information I had been provided and asked if depositing that check seemed legitimate. She told me it was entirely possible that it was legitimate, and that USAA would put the funds on hold to verify the money and protect me as a member. I deposited the check and did not touch any of the money, even the portion that had been released immediately, because I wanted USAA to verify all of the funds and trusted them to determine legitimacy. 
On XX/XX/year> I called USAA again because I had not received any documents or notification about the funds. I spoke with a representative to ask for an update. After she looked at the information on my account, she informed me the funds had been taken off hold. I asked her to clarify that this meant USAA had determined the funds to be verified and legitimate, she said yes. I asked if this meant I was definitely in the clear to spend the money on my equipment for my job and that everything was secure. She assured me that USAA verified the funds. Later that day I went to purchase the equipment for my job and was ready to set up to start working. 
On XX/XX/year> I looked at my bank account and had a balance of - {$10000.00}. I immediately called USAA because there was no information on my account as to why this would have happened. No notification, no new transactions, and the deposit from the check was still showing as processed. 
After having to escalate the situation to XXXX XXXX, USAA admitted fault by starting the XXXX representatives I had talked to the week prior were wrong in giving me the information they did. They also admitted that the money should not have been lifted off of the hold at the time that it was. The gentleman informed me that the check had been reversed. USAA will not help me in any way and said the only thing they can do is discipline the employees. I have been a member of this bank for nearly a decade and am extremely disappointed that such a mistake was made and then not fixed. I am now negative in my account with them, which I have never been before. 
I would not have proceeded to deposit this check, let alone spend the money had USAA not advised me that it was okay and safe to do so. I was mislead and because of their actions and advisement I am now in a large amount of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen on XXXX XXXX  when someone used my social security number to attempt to fraudulently open a credit card account. This resulted in a hard inquiry on my credit report. I filed a police report when I learned that my identity was stolen, contacted the bank where the account was fraudulently applied for, and contacted TransUnion to have the hard inquiry removed and alert them of the fraud. TransUnion told me I would receive a letter in 7-10 days detailing the report and has refused to send me a letter or any documentation regarding this issue. I have contacted them since and they did not seem to understand I already reported this issue and offered to repeat the process that did not work before.
Product: Debt collection

I ordered my free yearly credit report fro the XXXX major credit reporting agencies, and discovered there were an account that did not belong to me. So I called the credit reporting agencies for verification on the account. I new the account was n't XXXX. At that time, I called he collection agency, which is Rockford Mercantile agency, located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 

I sent the police report stating that my Identification was stolen, and that this is not my debt, and I was informed by the collection agency, even though this my not be my debt, they will not be removing it from my credit file. I have also disputed it with the credit reporting agencies, I was told nothing could be done about it unless Rockford Mercantile Agency remove it. The credit reporting agencies only report the debt. The Collection Agency have the wrong address, no SS #, and no date of birth to identify me with, but will not take this fraudulent trade line off my credit report. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Can you provide me process of verification on the 2 late payment for XXXX XXXX  I disputed which means I wouldve been late XXXX & XXXX. The late payment is in relation to a computer error on XXXX  end also I spoke with XXXX  they agreed to update it and never did so I called back and asked them to listen to the conversation they told me they no longer have access to the conversation. How was this verified? Please update asap!! I also attached the two payments showing theres no late fee so how could it be a late payments. I want this late payment removed off my credit report because its violating my consumer rights and also inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing this letter in order to clarify the situation where I do not recognize none of these accounts. Please check it and remove as maybe somebody used my name or my personal data. I do not know how they appear in my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my credit report, I have noticed inquiries that I never authorized or applied for. I have heard of companys pulling your credit without permission and I know that it is not allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) 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.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair Credit Reporting Act Willful Non-Compliance, Willful noncompliance with FCRA Disputed Accuracy Section 611. FCRA Rules allow {$1000.00} per violation. EQUIFAX failed to respond twice within 30 days to letters sent in response to inaccurate contact information on my credit report.
Product: Checking or savings account

Company Name : Upgrade Inc.

Company website : www.upgrade.com Company profile : Upgrade is a financial technology company, not a bank. Checking and savings accounts provided by XXXX XXXX XXXX XXXX type : XXXX, XXXX company I opened a reward checking account with Upgrade Inc. on XXXX and on XXXX, I received an email from them saying my rewards checking account has been suspended and debit card was closed. When reaching out to their customer support for account closure reason, they just told me it is the underlying bank decision. I was also told the account closure may take 60 days. 

At the time of the account closure, I have {$1400.00} balance on my account and I also earned {$68.00} in the month of XXXX. 

It has been XXXX weeks since my account closure and I have had ZERO communication from the company regarding my account balance. 

I know these XXXX company always say they are NOT a bank so they don't need to follow strict banking rules. When dealing with consumer asset, they have more leeway on whatever they want to do. 

I want to make other consumers and CFPB to be aware of the situation so they don't fall victim of such treatment. 

I would like to get an explanation on why it is taking so long to get a refund check when consumer account is closed by the XXXX XXXX and how much longer I should be waiting to get my balance back.
Product: Credit reporting or other personal consumer reports

School was involved in illegal activities affecting XXXX XXXX
Product: Credit reporting

I have enclosed the documentation of my claim that erroneous items are being listed on my credit report due to these private student loans. Attached are all the supporting documents. I simply want the items, including any hard credit inquires from potential creditors that were denied, ALL removed and deleted from my credit report as they are not factual. This issue has directly impacted my ability to obtain personal lines of credit since XXXX of 2014. 

Enclosed is the official response from XXXX including the original promissory note stating only XXXX ( XXXX ) loans from their offices were ever issued with direct contact information. These private student loans were then bounced around between XXXX ( XXXX ), XXXX ( XXXX ), and XXXX. All of these items are listed on my credit report as multiple separate loans when they are NOT separate loans but the same XXXX ( XXXX ) original loans transferred from the lender to vendor, to collection agency. 
Executive Office XXXX XXXX, NY XXXX ATTN : XXXX XXXX Phone : XXXX extention XXXX Both of the private student loans were originally from XXXX. These loans now appear as multiple negative items listed as XXXX, XXXX, XXXX, or XXXX. NONE of these items should not even appear on my credit report as negative items. Per the court ruling this debt was dismissed without prejudice and can not be collected on, nor should it even appear on my credit report as it is not a debt. 
Magisterial District Court : XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Docket Number : XXXX XXXX XXXX, PA XXXX Phone : XXXX Case Number : XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing this formal complaint regarding significant inaccuracies and procedural violations in the reporting of several accounts on my Experian credit report. Despite multiple disputes, these issues remain unresolved. The accounts in question include : XXXX. XXXX XXXXXXXX ( Account Charged Off ) : Balance : {$240.00} Discharged via 1099-C ; reported as income. It is no longer valid debt but continues to be reported as a charge-off, violating 15 U.S.C. 1681e ( b ) ( accuracy requirements ). 
XXXX. XXXX XXXX ( Two Accounts Charged Off ) : Account 1 : {$1300.00} charged off.

Account 2 : {$450.00} charged off.

Both debts were discharged via 1099-C and should not appear as charge-offs. Reporting these accounts as active debts is inaccurate and misleading. 
XXXX. XXXX ( Account Charged Off ) : Balance : {$2100.00} This account has been written off and discharged but remains reported inaccurately as a charge-off. 
XXXX. XXXX  XXXX XXXX ( Collection Account ) : Balance : {$450.00} This collection account is invalid. I dispute the chain of custody, ownership, and permissible purpose under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g.

Key Issues : 1. Experians Failure to Correct Inaccuracies : Experian has failed to meet its obligation under 15 U.S.C. 1681i ( a ) to investigate disputes and correct inaccurate information. 
XXXX. Procedural Violations by Creditors and Collectors : Creditors and XXXX  XXXX XXXX have failed to validate debts, comply with dispute requirements, and accurately report account statuses. 
XXXX. 1099-C Discharge : Accounts discharged and reported as income to the IRS via 1099-C can not legally remain on credit reports as active debts or charge-offs.

Requested Resolution : 1. Immediate deletion of the following accounts : XXXX  XXXX XXXX XXXX ( both accounts ) XXXX XXXX XXXXXXXX XXXX ( collection account ) 2. Confirmation that Experian and the

furnishers are complying with 15 U.S.C. 1681e ( b ), ensuring maximum possible accuracy. 3. Compensation for damages caused by willful noncompliance, if applicable under 15 U.S.C. 1681n. I trust the CFPB will address these issues promptly and ensure compliance with federal laws. Please find enclosed copies of my disputes, credit report highlights, and supporting documentation for your review.
Product: Debt collection

Company : Midland Credit Management Date contacted : XX/XX/22 Representative I spoke with : XXXX XXXX ( XXXX ) XXXX My checks at work started to be garnished without notice on XX/XX/22 and I looked on my credit report to find the debt. I assumed it was MCM and contacted them. I explained my situation that my checks were being garnished at work and I was not able to pay my bills nor live off of the wages they were leaving me with as I have XXXX kids under XXXX y/o. The representative falsified information in order to receive my bi-weekly payments. XXXX XXXX stated that if I set up a payment plan the garnishment would stop. The garnishment was not through MCM and she lied to me to receive my payments. 

I am now paying via XXXX from my bank account that I can not afford. On 3 accounts = {$200.00} every other week. And my checks are still being garnished!
Product: Student loan

Hello, I am having extreme difficulty making my student loan payments for Sallie Mae. They have recently taken me off their graduated repayment plan and are not offering another payment option. My payments went from {$320.00} to {$430.00} a month. I reached out through their helpline countless times in an attempt to reduce this payment. Each call ended with them telling me there is no other option. 

Please help me with this situation. 

Thank you!
Product: Debt collection

I have received repeated calls from Allied Interstate, XXXX XXXX XXXX XXXX, since 2019.

These are the most current calls I have received : XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX ; I have registered on the Do Not Call List since 2004. My local phone company is unable to block these unwanted incoming calls. I do not answer these calls, but have been ignoring it. Online research has indicated that this company may be a debt collection agency. 

Although, we have ordinary bills such as a mortgage, monthly credit card payments, utilities, taxes, my spouse and I are not in arrears with any businesses or persons. We have no reason for these harassing phone calls because all our bills are paid on time! 

Please advise how to best stop these harassing phone calls, short of changing our land line phone number. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my investigation results. and saw some accounts were verified. However, I have a few questions : how do you complete your investigation? Did you talk to my neighbors, friends, family? If so, please inform me of the person who completed the investigation. One more thing, i was reading the FCRA and noticed that these companies violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX 3. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX 4. Account Name : XXXX XXXX Account Number : XXXX XXXX 5. Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX 6. Account Name : XXXX XXXX Account Number : XXXX 7. Account Name : XXXX Account Number : XXXX 8. Account Name : Soc Sec Admin Office O Account Number : XXXX 9. Account Name : XXXX XXXX XXXX Account Number : XXXX 10. Account Name : XXXX XXXX Account Number : XXXX, 11. Account Name : XXXX  XXXX Bankruptcy Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$15000.00}, {$12000.00}, {$7500.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNTS -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

-- STUDENT ACCOUNTS -- 2. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$15000.00} -This is not my account. 

3. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$12000.00} -This is not my account. 

4. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$7500.00} -This is not my account. 

5. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$11000.00} -This is not my account.