23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested that XXXX and XXXX and Innovis Consumer Assistance conduct a proper investigation under 1681 and all sub chapters. They are continuing to violate 15 USC 1681 ( a ) 15 USC 1681 ( a ) and all the subchapters regarding reinvestigating procedures and 15 USC 1681 ( i ) On a previous dispute I received correspondence dated XX/XX/XXXX, stating that they were not going to conduct any further investigations and that all accounts were verified. I sent documentation regarding XXXX XXXX XXXX XXXX XXXX XXXX and that correspondence states that this loan was not approved and should never have been submitted as a debt on my credit file. Had XXXX conducted a proper investigation that account should have been deleted immediately. A copy of the letter dated XX/XX/XXXX states that I was not approved for the loan. I have come to the conclusion that XXXX is knowingly and intentionally with a deliberate indifference continuing to violate my consumer rights. The correspondence from XXXX that I received has a file # XXXX ; XXXX stated that they verified the following accounts Account Name : 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 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 XXXX I requested a reinvestigation and XXXX refuses to comply with the consumer protection laws that have been placed by congress to protect the consumers like myself. 
I am requesting that the Consumer Financial Protection Bureau conduct an investigation into the misconduct and unlawful practices by XXXX.
Product: Vehicle loan or lease

At this point Santander has consistently reaged my account over the course of XXXX XXXX. When I dispute the account, they reopen the account and report late payments, and then close it again. They have done this several times every year. The car itself was involved in the settlement against them but they seem to have illegally excluded me from it. I know for a fact I had to have had an internal score with them because they didnt even get proof of income from me, only that I worked part time for XXXXXXXX XXXX XXXX XXXX The car was on the repossession list several times but they offered to place XXXXXXXX XXXX  towards the back of the loan not telling me Id have the pay interest on the same amounts twice. They would also misapply my payments. Id informed them several times to get the car since then but they have refused. Here XXXX XXXX the car was towed on an abandoned motor lien. The summons included both me and Santander. Santander failed to appear, so I contend that relinquished their claim and right to the vehicle since they failed to show up to court. As I said this has been ongoing XXXX XXXX and its causing me direct harm both financially and mentally. They have a duty to report accurate information yet this account in my credit report lists about XXXXXXXX XXXX of charge offs. So which day is it? The car was delinquent since XXXX XXXX XXXX and charged of the first time the following XXXX. In XXXX I called them and told them that I was part of the settlement and that I wouldnt be foregoing my essential needs to pay them anymore. They havent even tried to sell the account which further proves they have no legal right to do so, nor do they have a legal right to come after me when I should have been apart of the settlement. The fact that they didnt have to disclose who had internal scores effectively excluded me and countless others from the settlement. There is a whole XXXX group dedicated to this exact subject. Since they are continuing to do this they are also violating their settlement agreement. I simply request what I should have been given from the beginning.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX OF XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Debt collection

I found a credit report entry concerning a debt owed that I did not know about. I did not receive payment due notices in the mail or I would have paid any amounts owed. 
When I called Southwest Credit Systems ( using their telephone number on the credit report ) they told me it was their policy not to remove entries that have been paid in full. 
Today, I provided Southwest Credit Systems my address so they can send me information to validate the debt since it appears any debt notice of payments due were mailed to the address of the motorcycle club I used to be a member of and not to my residence.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX PHOENIX FINANCIAL SERV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PHOENIX FINANCIAL SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Mortgage

Hi, The short of it is that Wells Fargo failed to cancel my PMI automatically when I reached 78 % LTV and is refusing to refund the difference. 


In XXXX I called Wells Fargo regarding my mortgage PMI and wanting to know how to get rid of it. I was around 80 % LTV ( based on the lower value of what I paid, not what it originally appraised at ) at the time. My understanding of the conversation with the rep was that I could either pay for their appraiser to make sure the value of my house in a growing major metro area hadn't dropped or wait for it to drop automatically at 78 % so long as I was in good standing. They said they'd send a follow up letter with details, which I did receive. 


I ticked that off in my head since I was so close to 78 % LTV and forgot about it until this XX/XX/XXXX. I noticed that I was still being charged PMI, despite being at 75.5 % LTV. I have been a month ahead on payments for years so this confused me. I called and the first rep just kept saying they'd generate a letter that would eventually arrive. I called again immediately and got a more informed rep that confirmed that they would cancel it but couldn't tell me why it hadn't already and that I'd have to call and try after it dropped when I asked about a refund. 


I escalated and their highest rep level called me back today, XX/XX/XXXX to say that they sent not one, but two letters directly after my original XXXX call and that one said that they no longer automatically cancel PMI and therefore they would not be refunding the difference. I received only one letter and received no indication that there would be a second. This supposed second letter is also not available for my viewing in my account page nor was it electronically sent to me. This rep also insists that she is unable to find the XXXX call information without a specific rep name and date, despite that call being the reason the XXXX letter was generated in the first place. Supposedly the higher rep is mailing these letters to me now.
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. 

Account name : XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX - XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX, Account # XXXX, Account name XXXX XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX 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 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 reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I reject your decision to decline my identity theft claim. What gives you the authority to decide if I've been a victim? You do not possess the legal standing or any right to make such a determination. If you continue to deny my claim, I will enlist the assistance of my attorney to seek a legal resolution. It's crucial to emphasize that my identity theft claim fully adheres to the law. I have submitted an official report to a federal agency as dictated by legal procedures. Let 's collaborate to resolve this issue within the stipulated XXXX timeframe. I insist that you recognize that my identity theft claim has been meticulously processed in strict accordance with the letter of the law. I have diligently submitted an official report to a federal agency, as required by the legal procedures governing such matters. There is no room for ambiguity here. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Please remove these fraudulent accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 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

XXXXXXXX XXXX  {$3000.00} This account has been charged off as a bad debt which is now considered income for me that is required that I file on my taxes according to the IRS and the FCRA income should not be reported on my consumer report The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate.Duty : a moral or legal obligation ; a responsibilityAccurate : correct in all details ; exact.Prohibition : a law or regulation forbidding something. As Defined by The IRS. Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 15 USC 1681 s-2 says a furnisher of information to a consumer reporting agency is PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union, federal government agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from the IRS 2021 publication. SEND ME MY FORM 1099-C that you should have sent when you Filled the account as a canceled debt.
Product: Debt collection

Integra Credit has not verified the account in question They have sent this account to a law office that continues to call my phone at XXXX XXXX XXXX but does not leave a detailed message as well as where I can understand his message to even get the name of his office. He has called multiple times from XX/XX/2023. The company Integra credit never had my consent to send my information to a third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing that I was late on the months of 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have wrote to them to request proof of this late payments no proof was given. 
I think there has been a mistake with someone else because I have not been late on my account on those months. 

I wrote to XXXX XXXX via XXXX and they're stating that the minimum payments due for those months was not received which is also a lie I have always made my payment on time on my account and pay more than the minimum.
Product: Credit reporting or other personal consumer reports

I requested National Credit Adjusters validate the debt. I was sent a promissory note and billing statement. The promissory note did not contain my signature and the billing statement is from the original creditor XXXX XXXX. I do not have an account with National Credit Adjusters which is why they can not provide an accounting ledger with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has some " Experian Boost '' service that tracks bill payments made through bank accounts. They say this can improve credit score. The morons over there failed to realize that there are bimonthly utilities charges in some areas of the world, and this service of theirs believes these payments to be late because they're not on monthly bill schedules. This has tanked my credit score.
Product: Credit reporting or other personal consumer reports

I have a hard inquiry on my XXXX XXXX XXXX XXXX report on XX/XX/year> which I do not recognize or authorize and I want it to be immediately delete
Product: Debt collection

On XX/XX/2024 I reached out to Creditt payroll companies in regards to this alleged it? I requested an investigation for this collection, and I am still waiting for results. I am not familiar and I do not owe this collection.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXFORTIVA ... .has been reporting 8 missed/late payments for XXXX, XXXX, XXXX, XXXX an XXXX of XXXX. XXXX XXXX, XXXX and XX/XX/XXXX totaling 8 payments This payment history is only showing on my XXXX profile. I've reached out numerous of times and they have still said that its accurate. They have been working against me throughout this process.
Product: Checking or savings account

TD Bank refuses to give money back that was taken from my account fraudulently. 
On XX/XX/XXXX, my wallet was stolen after shopping for groceries at the XXXX near my home on XXXX and XXXX, XXXX XXXX. Several of my credit and debit cards were compromised. While one financial institution notified me by text within minutes of someone using my card, I was unable to contact TD bank for over an hour. I filed a police report immediately. 
I ultimately had my drivers license replaced and had a Fraud Notification placed through the three credit agencies. All of my banks refunded the monies except TD Bank. 
I have been a customer of TD Bank since I moved from XXXX in XX/XX/XXXX. 
All of my payroll checks have been direct deposited into my account, totaling over $ 200K.  There is no emergency number to contact if a card is lost or stolen and I have given no reason to suspect that I committed a fraud. I have never even bounced a check. I am a XXXX   XXXX XXXX! .I would appreciate any help in having my money returned. I am a single working Grandmother of XXXX and can not afford a {$610.00} loss. 
I have provided a copy of the police report, copies of letters indicating fraud from my other financial institutions and my wallet was found by the side of the road by police, several weeks later, and given to a TD bank teller at a different location. ( See attachments ) Still TD bank refuses to return my money.
Product: Debt collection

I am a victim of identity theft. Please see attached FTC and ID and remove account from my credit report as well as collections. If you fail to do so, I will be forced to include you in my litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have either been sold or transferred. According to my findings, I am no longer liable for the alleged debt, and no written communication, contract, or signature exist. A bill without a signature does not indicate that the debt is valid, and anyone may file a bill and claim ownership. I don't owe this debt, this is and attempt to a violation of the FDCPA section 809 it state if you can not validate the debt, you must request all credit reporting agencies to delete the inaccurate information from my credit report IMMEDIATELY!
Product: Credit card

Someone applied for a Chase Sapphire Credit Card online and it wasn't me. I received an inquiry notification from a credit monitoring service. I called Chase to tell them the application was fraudulent and they declined it. They will not give me information on the credit application or ip address. I been targeted before by family members before for credit and Im trying to determine who applied for it. They will not give me that information.