23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company Santander consumer USA / Chrysler Capital has ignored my mail, phone calls. Since XXXX XXXX. 

They are charging me {$12000.00}. When the vehicle has been repossessed and sold And reporting to my credit report as charge off and still trying to collect payments. I was one of the victims from their multi state settlement that was reached out to be eligible to received payment or get the pardon to delete the company name from my credit report. 

On Chrysler Capital it says that the payoff disclosure was {$2000.00}. And now its more than ever Ive reached out to the 3 major credit Agency to ask Santander to provide validation of the sales and yet they have denied and still report it on my credit report as accuracy. They repossessed my car in 2017 and they still refuse to show me proof. I recently challenged them to send me the form 1099C and still ignore me.. 

So, I came across this post that CFPB : Santander Must Pay {$4.00} Million For Credit Reporting Violations. Dated XXXX XXXX. 
Hopefully someone can reach out to Santander and remind them that theyre still havent reached out to us. 

I also reached out to rusty consultants and put a complaint that I have not reached a settlement from XXXX on XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax credit reporting on XX/XX/2020 to alert that I had some items on my credit report that I was disputing. This was necessary because I knew that I would probably need to secure a loan due to the COV19 issues that were beginning to drown small businesses. Equifax alerted me that they had contacted the companies and the reporting companies submitted automated validation of the debt. 

On XX/XX/2020 I sent certified letters to the companies asking that they provide the same validation to debt to me that they provided to Equifax including documentation in the form of ledgers, signed forms, etc that support the debt. 

The companies did not provide validation in the 30 days as required by the FCRA. Therefore, I sent a letter to Equifax to advise them of the results of my debt validation request. 

I believe that Equifax has not acted in good faith with requiring that the companies valid the debt they are reporting. Secondly, the companies did not act in good faith by providing me with the debt validation documentation that I requested. 

I am now asking for CFPB assistance because these incorrect issues on my credit report are causing me irreparable harm. I am a XXXX XXXX XXXX XXXX and need your urgent assistance to survive. Thanks
Product: Credit reporting or other personal consumer reports

I already file a dispute with TransUnion about some fraudulent accounts that I have on my credit report and they are not doing anything. Is been months since I file the dispute and still showing in review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : Experian : XXXX XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$430.00} XXXX : XXXX XXXX XXXX XXXX Balance Owed : {$430.00}
Product: Mortgage

I purchased my home in 2001 for {$58000.00}. As of this date I owe {$64000.00}. I have been paying on this mortgage for 20 years. In that time I have had a bankruptcy, and the loan has been with 3 different lenders. I would like my account audited. There is no way I should still owe as much as I do.
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 account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, XXXX AND XXXX have all been deleted as proven in the attached documents. Equifax has failed to remove the issue even when provided with the correct documentatio. This is a Violation of 607.Compliance procedures [ 15 U.S.C. 1681el ] B ). The Accuracy of report of my report has been incorrect for 13 months now with a failure to investigate for 13 months straight. These accounts should be erased as they do not belong to me. These accounts have been removed from XXXX when they ran the correct investigation but equifax has failed to do so. Equifax has repeatedly failed to run FCRA INVESTIGATIONS
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain fraudulent accounts and unauthorized inquiries from my credit report due to my status as a victim of a data breach and identity theft. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ).

Below are the details of the fraudulent accounts that I am requesting to be removed : Fraudulent Accounts 1. XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$65.00} XXXX. XXXX XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$560.00} XXXX. XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$2500.00} XXXX. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$1300.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$280.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$1700.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o XXXX XXXX : {$260.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$1300.00} XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$2500.00} Unauthorized Inquiries Additionally, I request the removal of the following unauthorized inquiries : XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to express my deep dissatisfaction with the recent outcomes of my applications for a business line of credit with Chase Bank. I applied for this financial product on two separate occasions and, unfortunately, received denials for both applications. 

After the initial denial, I took proactive steps to address the concerns raised by the bank regarding my income and contribution to the business. Despite making the necessary adjustments and providing additional documentation, I regrettably received a second call a month later, conveying the same results. During these discussions with XXXX XXXX and the underwriting team, I explained that, as a retired military personnel, I do not receive W2s. However, I assured them that my income and credit score are more than sufficient to meet the requirements. 

I have diligently provided the bank with income verification letters to substantiate my financial position. Unfortunately, it seems that the underwriting team is unwilling to acknowledge or recognize my income, raising serious concerns about the fairness and transparency of the evaluation process. 

My primary concern is the inconsistency between the bank 's acceptance of my applications over the phone on both occasions, only to be followed by subsequent denials. If I did not meet the qualifications for any of the business products, it begs the question as to why my application was processed over the phone in the first place. 

At this juncture, I am left with the impression that the denial may be more rooted in redlining based on demographic factors rather than a genuine evaluation of my ability to repay or my qualifications for the business line of credit. I find this deeply troubling and contrary to the principles of fairness and equal opportunity. 

I am reaching out in the hope that we can address these concerns promptly and transparently. I kindly request a thorough review of my applications, taking into consideration the provided income verification letters and my overall financial standing. I believe in the importance of fair and unbiased lending practices and trust that Chase Bank shares these values. 

I appreciate your prompt attention to this matter and look forward to a resolution that ensures equal treatment and opportunity for all applicants. 

Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Acct # XXXX Missed Payent Dates do not match According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agencyshall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

This is an inappropriate system to be disregarded and taken advantage of while a great deal of guidelines are broken due to carelessness and the earnestness of not survey what is happening in a serious manner. Has caused Financial injury and analysis of character close by at least 30 days of no response
Product: Debt collection

On XX/XX/2019, I received a letter from Portfolio Recovery Associates, stating that my account was sold to them. I sent them a letter asking for validation, and they replied with copies of my monthly billing statements. 

On XX/XX/XXXX, I sent out another letter to them, via certified mail, asking them to specifically validate the debt. 

As per this consent decree of XX/XX/2015 brought by the Consumer Financial Protection Bureau against Portfolio Recovery Associates I requested that they produce affidavits from the original creditor that show a complete and accurate accounting of the amount alleged owed. 

I advised them that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that their claim is disputed and validation is requested. This is NOT a request for validation or proof of my mailing address, but a request for Validation made pursuant to the above named Title and Section. I am hereby requesting that their office provide me with competent evidence that I have any legal obligation to pay them. I asked Portfolio to immediately provide me with the following : *What the money you say I owe is for ; *Explain how you calculated what you say I owe : *Provide me with copies of any papers that show I agreed to pay what you say I owe ; *Provide a verification or copy of any judgment if applicable ; *Identify the original creditor ; *Prove the Statute of Limitations has not expired on this account ; *Show me that you are licensed to collect in my State ; and *Provide me with your license numbers and Registered Agent.

Portfolio replied back saying that they are considering my dispute concluded since I did not provide any new information. However, it is up to them to validate this debt and provide me with the requested information. Otherwise all acts of collection must be ceased.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX CONF # XXXX REP : XXXX XXXX XXXX {$810.00} IS STILL REMAINING ON MY CREDIT FILE AND PER THE FTC REPORT NEEDS TO BE DELETED/REMOVED AND BLOCKED ALONG WITH LISTED UNAUTHORIZED HARD INQUIRIES : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, FXXXX XXXX # XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX DBA XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX. **UNAUTHORIZED HARD INQUIRIES PER FTC REPORT TO BE DELETED/REMOVED & BLOCKED. THE ABOVE UNAUTHORIZED FINANCE ACCOUNT AND ABOVE LISTED UNAUTHORIZED HARD INQUIRIES STILL REMAIN ON MY EQUIFAX CREDIT FILE AND IS HURTING MY CREDIT. EQUIFAX PREVIOUSLY TRIED TO STALL ON THIS IN THE PAST AND NOW I ONLY FEEL COMFORTABLE WITH FILING A COMPLAINT AT THIS POINT TO ASSURE THAT THESE THINGS ARE DELETED WITHIN 5-7 DAYS PER THE FTC.
Product: Checking or savings account

I mailed a letter to them to close my XXXX XXXX account but no confirmation my account has been closed. I have enjoyed them as a bank but told them I have another account with another bank now with a higher APY.
Product: Credit reporting or other personal consumer reports

Ive had multiple charges and accounts on my credit Ive never opened I had no knowledge of I tried to dispute multiple multiple times and its still affecting me that I cant use my credit or build I also seen cars that I never owed pop up on my credit karma account it dropped my credit XXXX points in 1 day I think this is very unfair because when I need an advance Im not able to use credit because somehow someone has destroyed my credit
Product: Credit card

Purchase a select Visa card debit card from XXXX in XXXX Washington address XXXX XXXX XXXX XXXX XXXX Washington XXXX okay put {$100.00} on the card the card cost me {$2.00}. Went home call the number gave him all the information they asked for thought it was activated it wasn't I can't use it I've been calling them for over a week and a half no one will answer the phone so I want you to the store where I purchase it. They called him nobody answered the phone I have all the receipts for it they did send me an email which I'll forward it to you that said there was a problem with my card so I've been trying to get in touch with him ever since and nobody will answer the XXXX phone
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Final Request for Removal of Inaccurate Late Payments XXXX XXXX XXXX Account Dear CFPB, I am filing this complaint regarding the failure to correct inaccurate information on my credit report for the XXXX XXXX XXXX account ( # XXXX ). Despite submitting prior disputes on XX/XX/XXXX and XX/XX/XXXX, the incorrect reporting of late payments for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX has not been addressed. 
The inaccurate late payment reporting contradicts the following laws : Fair Credit Reporting Act ( FCRA ) Violations Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information reported in consumer files. In this case, no updates or corrections have been made to rectify the discrepancies, which continue to harm my creditworthiness.

Truth in Lending Act ( TILA ) Violations According to 15 U.S. Code 1666b, creditors are mandated to provide periodic statements at least 21 days prior to the due date. The continued reporting of these late payments raises questions regarding compliance with this statute and has caused unjust damage. 
Discrepancies and Errors Noted Across the Credit Bureaus Account Information Account Number : XXXX High Balance : {$24000.00} Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Status : Closed Payment Status : Current Term Length : XXXX Months Account Type : Auto Loan Discrepancies Across Credit Bureaus XXXX XXXX Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX despite the account being current. 
The account was last verified on XX/XX/XXXX with no updates or corrections since the previous disputes. 
XXXX : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which do not align with the payment history listed. 
The account was last reported on XX/XX/XXXX but remains inaccurately reported as having late payments. 
Equifax : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, even though the payment status shows " Current. '' The account was last reported on XX/XX/XXXX, with no correction made despite previous disputes. 
Desired Resolution I am formally requesting the immediate removal of the inaccurate late payment notations from my credit report across all three credit bureaus. Additionally, I request : Written confirmation of these corrections. 
An updated copy of my credit report reflecting the accurate status of this account. 
If this issue is not resolved promptly, I will escalate this matter by filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action for damages caused by these inaccuracies. 
Thank you for addressing this matter promptly. I look forward to your written confirmation of the correction. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I received a letter from this company demanding payment for a debt. As I checked my records I have never done business with this company and nor have they provided me with services or goods
Product: Mortgage

I am applying for a repayment plan for my mortgage, and the mortgage company and I do not agree on some fees that have been tacked on. As of now, I am 18 months delinquent. The monthly payment is {$320.00} x 18 months = {$5900.00}. Carrington mortgage says I owe {$6900.00}. I understand that there will be late fees.   In  XXXX   XXXX  there was {$450.00} lawyer fees, in  XXXX   XXXX , there was another {$250.00} I do n't understand how I could owe these fees.  Carrington  told me that the fees were all waived. This is the  5th  time I have sent in a request for a repayment plan since  XXXX   XXXX , when they refused my payment and started foreclosure proceedings.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 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 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

On XX/XX/2018 i discovered Experian re-inserted an old XXXX XXXX collection account that was removed and deleted from my credit file several months ago that couldn't be verified and that clearly did not belong to me. Experian is required to notify me with 5 days of reinserting a previously deleted item. I did not receive any such notification. Please Delete this immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX  XXXX, Account # XXXX, Account # XXXX, account # 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 a account without my written instructions.