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

XXXX I login to my TRANSUNION credit rep. account. 
There was a negative Remark about me " DISPUTE RESOLVED. 
CONSUMER DISAGREES ''. 

( from the history between me and XXXX. In XXXX I won a Bankruptcy XXXX  XXXX to stop foreclosure at US Bankruptcy court in Washington D.C. XXXX XXXX. 
I won my home and XXXX XXXX Lost and backed off.Such was an Order.

If Someone at XXXX XXXX  did not know what was it about, so here you have it. 
It was not a dispute. 
It was " WAR '' a FULL BLOWN FIGHT with XXXX 
And I won. 
If you dare to write - put as it was Was : I WON and YOU LOST! 

But I want you not to post any such remarks to my Credit report, XXXX On XXXX there was an INQUIRY made on my credit report, Someone at XXXX XXXX XXXX XXXX  inquired about me at my Transunion Credit Report. 
See attached copy. 

I did not do any business with ANY XXXX since XXXX  since I filed a XXXX  XXXX Bankruptcy to Stop Foreclosure. 
My lawer told me to never ever come back to XXXX XXXX again for anything. 

SO I dont know -- I dont know who did this inquiry- not me. 
I did not file for Loan with XXXX, nor did I wanted to return to the SHARKS at XXXX XXXX. 

I called on XXXX to Transunion. I spoke with TU agent, and reported him about wrongdoings by XXXX, and that someone from XXXX posted negative Remarks about me and WAR between me and XXXX which was in a form of the XXXX  XXXX Bankruptcy to Stop Foreclosure during RECESSION of XXXX. 
Remember? 
Recession? 

ANd today I checked my XXXX Report, hard copy. 
The report says that someone on XXXX made a hard inquiry on my XXXX Credit Report, from XXXX. 
It was with Company by name " XXXX XXXX '', XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New Jersey XXXX. 
Telephone number : XXXX. 
I called this number. 
XXXX XXXX explained to me, that it was XXXX XXXX XXXX XXXX  who pulled my credit for Mortgage loan... 
I did not allow anybody from XXXX XXXX XXXX XXXX  to pull credit report about me. 
Me and XXXX XXXX had bad blood between us, and it was XXXX XXXX XXXX in Recession time. 
I won. 
You lost. 
And I did not apply to th XXXX in order to avoid you and not to harass you and it was useless. 
XXXX XXXX gave me # XXXX, to call to Iowa, and I did call. I spoke with XXXX XXXX. 
XXXX XXXX advised me to write a letter to XXXX, and request in writing XXXX to remove hard inquiry dated XXXX. I did not apply for the loan with XXXX. 
YOu know the story : XXXX  XXXX XXXX, to stop foreclosure and to restructure my Loan from 12 % ( XXXX XXXX ) of Mortgage on {$640.00} XXXX to 6 % on {$510.00}. 

Thus, I dont know who did pulled this Credit Inquiry. 
In addition, I did not receive no letter about this, no nothing. 

I request XXXX XXXX XXXX XXXX  to REMOVE this Hard Inquiry from my Credit Reports. 
I request that XXXX will never post any negative remarks about me. 
Or I will report this to My Attorney XXXX XXXX XXXX. and to US Bankruptcy Judge XXXX thru my attorney in D.C.
Product: Credit card or prepaid card

Hello : I opened a TD Cash Credit ( Platinum ) Card with TD Bank in approximately XX/XX/2018. The card was advertised as having a {$200.00} cash back bonus if {$500.00} was spent in 90 days of the account opening. I spent over {$500.00} in less than 90 days of the account opening ( by XX/XX/2018 ), but I  never received the {$200.00} bonus despite meeting the offer terms and over 6 months passing since I surpassed the minimum spending requirement. I have contacted TD Bank requesting the {$200.00} bonus be awarded to be given that I met the offer requirements specified ; however, TD Bank has not awarded me the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never authorized XXXX XXXX XXXX to collect or share any information about me. I have no contract with XXXX XXXX XXXX and have never requested any money nor services from them. They have no legal right to be on my credit report. Delete this account from my credit report immediately, or provide me with contracts validating I have a contractual agreement with XXXX XXXX XXXX. In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d.  Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. 

No Contract with XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$590.00} Opened : XX/XX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the companies and the Transunion in reference to 2 hard inquires reporting on my credit report that I did not authorize or request credit from. They are as follows : XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To remove negative accounts and bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, la, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear Sir/Madam, I am writing to formally dispute inaccurate information that is currently reported on my credit file. Despite previous attempts to address these issues, the incorrect information has not been corrected. I understand that the Consumer Financial Protection Bureau ( CFPB ) has taken legal action against XXXX due to similar complaints, which indicates a pattern of failure in properly investigating and correcting disputes. 

The following items on my credit report are inaccurate : XXXX. XXXX  XXXX bankruptcy discharged Court info XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Address XXXX XXXX XXXX XXXX XXXX, LA XXXX I have already submitted disputes for these issues and have received no meaningful resolution. The inaccurate information continues to appear on my credit report, which is not only harming my credit score but also potentially violating the Fair Credit Reporting Act ( FCRA ). 

Please investigate this matter thoroughly and provide me with a written explanation of the results. I request that all inaccurate information be corrected or removed as required by law. 

Additionally, under the CFPBs investigation into XXXX practices, I expect a swift and accurate resolution to my dispute, in line with both legal guidelines and industry standards. If this matter is not resolved promptly, I will be forced to escalate my complaint through appropriate legal and regulatory channels. 

Please confirm receipt of this dispute and provide me with an update on the status of your investigation within 30 days. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA was ordered to pay {$4.00} XXXX to the Consumer Financial Protection Bureau ( CFPB ) for violating the Fair Credit Reporting Act ( FCRA ), the CFPB said in a press release. 

According to the release, Santander allegedly knew that it provided incorrect consumer data to the three major credit reporting agencies ( CRAs ). 

Santander is an originator and servicer of non-prime auto loans and leases and provides credit information to CRAs via monthly data files, according to the CFPB release. 

Between XX/XX/XXXX and XX/XX/XXXX, the CFPB said it discovered numerous systemic errors that could have lowered consumers credit scores, such as the wrong date an account first became delinquent, according to a consent order. During that time frame, Santander reportedly sent incorrect information on millions of accounts to the CRAs. 

Aside from the {$4.00} XXXX civil penalty, the ruling requires that Santander must correct all inaccuracies and errors and implement measures to improve and ensure the accuracy of the consumer information it provides to CRAs, the release stated. 

The CFPB also alleged in the order that the internally inconsistent errors should have been readily apparent to Santander. The agency said the lender knew something was wrong as early as XX/XX/XXXX. 

The order indicated that Santander must submit a detailed compliance plan to the CFPB within 45 days. 

The shift to digital brought on by the pandemic has disrupted many industries, including the car buying and loan industries. XXXX XXXX research indicated that the number of customers doing credit applications online has soared, whether the car loan originates from a car dealer, bank or manufacturer. The research noted that roughly one-third of car buyers are now doing the loan process online, and XXXX percent said they prefer it that way. 

British banks including Santander, XXXX XXXX, XXXX and XXXX are reportedly planning internal investigations to ensure fairness in lending during the pandemic.
Product: Debt collection

This is just a follow up showing a COPY OF WHAT I SENT XXXX XXXX FOR AN INACCURATE, AND UNVERIFIED DEBT. PLEASE READ THE LETTER THAT WAS ORIGINALLY SENT TO YOUR COMPANY AS IT HAS A RESPONSE DEADLINE. ( READ CAREFULLY ) THIS ACCOUNT MUST BE DELETED IMMEDIATELY BECAUSE IT IS A VIOLATION OF THE FDCPA & THE FCRA. IF THE ACCOUNT IS STILL REPORTING ON MY CONSUMER REPORT AFTER THE TIME ALLOWED, OR IF YOU CAN NOT GIVE ME WHAT I REQUESTED, I WILL TAKE LEGAL ACTION FOR REMEDY FOR STATUTORY, PUNITIVE DAMAGES & ALSO FOR EVERY MONTH THAT THIS ACCOUNT HA BEEN REPORTING ON MY CONSUMER REPORT. UP TO {$1000.00} PER VIOLATION AND MORE. ( EVEN IF YOU ARE CONTRACTED OR COLLECTING FOR A COMPNAY, THIS WILL BE TAKEN AGAIST XXXX  XXXX BECAUSE YOUR COMPANY IS THE ONE REPORTING THE ACCOUNT TO MY CREDIT REPORT ). THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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: Checking or savings account

I contacted Capital One yesterday morning, XX/XX/year>, regarding an issue with my direct deposit because the funds have not been posted yet. The representative told me that they expect to post deposits by the end of the day. I waited all day yesterday and Capital One never posted my paycheck direct deposit, instead, Capital One sent me an email last night telling me that starting XX/XX/year>, they had experienced a System issue impacting some deposits, payments, and transfers, due to a technical issue with one of their service providers. They mentioned that for additional servicing assistance, please call us, which I did call many times, but they hung up on me due to excessive numbers or calls that they experienced, and couldn't talk to a representative to give me an answer. I have bills that need to be paid and I urgently need my direct deposit ( paycheck ) that my employer transferred earlier this week on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXXXXX I contacted TransUnion about the following incorrect information on my credit report. To this date, they have not responded. 


The following account was never late : XXXX XXXX  ( Date Opened : XXXX, Balance : {$0.00} ). Please correct this inaccurate information on my credit report. 
The following account was never late : XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Please correct this inaccurate information on my credit report. 
Because of incorrectly reported data, I require that your bureau verifies the following account : XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$770.00} ). I am unsure of the accuracy of the balance of {$770.00} that you report for this account, as I dont recall owing such a high amount. Your agency presented this account as closed and charged-off, so the past due amount is not supposed to be provided for this account. I am going to clarify this matter with the creditor. In the meantime, I ask you to mark this account as disputed, so that it won't have any further negative impact on my credit score. Additionally, I request that you verify the Date Opened, Date of Status, and First Reported for this account. 
The following account is not mine : XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$350.00} ). Please remove it from my credit report. 
Because of incorrectly reported data, I require that your bureau verifies the following account : XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$7100.00} ). I am unsure of the accuracy of the balance of {$7100.00} that you report for this account, as I dont recall owing such a high amount. Your agency presented this account as closed and charged-off, so the past due amount is not supposed to be provided for this account. I am going to clarify this matter with the creditor. In the meantime, I ask you to mark this account as disputed, so that it won't have any further negative impact on my credit score. Additionally, I request that you verify the Date Opened, Date of Status, and First Reported for this account.
Product: Credit card

I have XXXX accounts that are serviced by Synchrony Bank ( formerly GE Credit ). They are Old Navy, Amazon, and Lowes. Last month I received XXXX separate letters from Synchrony indicating that " sometimes we check the credit of our customers '' and then proceeded to lower my available credit on each card. XXXX weeks after they lowered the credit on the third card I receive a document from Synchrony indicating their " Privacy Policy. '' In the document they tell me that I can limit their sharing of my information about my creditworthiness. The problem is they already shared my information because they handle all three accounts. Is that not deceptive or illegal?
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Please fix the following accounts : XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$0.00} Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
Product: Debt collection

My mortgage loan was transferred/sold from XXXX to Mr. Cooper on XX/XX/2021. I was attempting to pay the loan off completely in XXXX of 2021 to avoid having to deal with the new loan servicer. 

Mr. Cooper is showing an unpaid principal balance of {$55.00}, XXXX. I have sent them multiple documents as proof of an unpaid balance of {$0.00}. 

I have provided all of these documents to Mr. Cooper. 

Please find attached : XXXX and XXXX bank Statements showing payments to XXXX to pay off the loan. ( Attachments 1 and 2 ) A Payoff Statement from XXXX dated XXXX in the amount of {$200.00} and an unpaid principal balance of {$0.00}. ( Attachment 3 ) A XXXX Monthly Statement from XXXX showing large payments in XXXX and an unpaid loan balance of {$0.00}. ( Attachment # 4 ) A XXXX Monthly Statement ( dated XX/XX/2021 ) from Mr. Cooper indicating an unpaid principal balance of {$55.00}, XXXX. ( Attachment # 5 ) Log of some of the many calls/emails to Mr. Cooper to resolve this. 
XX/XX/XXXX, XXXXReceived a digital payoff statement from Mr. Cooper ( Attachment # 7 ) and a Digital XXXX Monthly Statement XXXX Attachment # XXXX ) XX/XX/XXXX, 2021-Called and left a message and sent an email to XXXX XXXX about the status of my balance. 

XX/XX/XXXX, XXXXEmailed XXXX XXXX and the Research Incoming address for Mr. Cooper a copy of the payoff Statement and the XXXX Monthly statement from LoanCare. 

XX/XX/XXXX, XXXX-Called and left a message for XXXX inquiring about the code change. XXXX called back and said the code change had nothing to do with the change to the unpaid balance amount. 

XX/XX/XXXX, XXXX-According to a soft pull of my credit report, I do not have a debt to anyone for a mortgage. It appears to be paid off. 
. 
XX/XX/XXXX, XXXX-Spoke to XXXX. She requested additional copies of the bank statements in PDF format. I emailed them to her. She also asked me to reach out to XXXX XXXX to inquire about the code being changed XX/XX/XXXX, XXXX-Made a third monthly payment for a loan that I was trying to payoff XX/XX/XXXX, XXXXFinally got connected to XXXX XXXX, Executive Resolutions Team and sent her pictures of bank statements showing off paying down the loan in XXXX and XXXX. 

XXXX XXXX-Loan Balance changed from {$0.00} to $ XXXX ( Code was changed? XXXX XXXX XXXX XXXX XXXX Made 2 monthly payments for a loan with a {$0.00} balance to avoid late fees after getting a text from a debt collector XX/XX/XXXX, XXXX XXXX ( needed to change a code-thought they could pay off the balance from escrow ) XX/XX/XXXX, XXXX-Requested a payoff statement via email ( talked to different 2 reps ) one was never sent XXXX XXXX-Called Mr. Cooper multiple times inquiring about the status/balance of the transfer I am not really sure who is more to blame, LoanCare for not applying the payoff amount to the payoff balance ( they applied it to the escrow account ) or Mr. Cooper for not resolving the unpaid principal balance with all of the documentation that I sent them.
Product: Debt collection

This account was at XXXX XX/XX/2022, I reported the charge was fraud it was {$90.00} they never removed the charge & it accumulated {$200.00} in late fees for a charge I did not make? I explained this to famous footwear my credit line was reduced from {$800.00} to {$100.00}? Made XXXX sense now its at a collection agency for over {$450.00}? My account closed? For fraud, identity theft?
Product: Mortgage

We were approved for a mortgage loan by Home American Mortgage Group in respect of a property named XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX. We are first time home buyers and so they took from us the sum of {$6000.00} as earnest deposit. However, nearing completion, this company said to us that they ran our credit score again and that I failed because my credit score dropped but my spouse score was still good but she dont earn enough? They took our earnest deposit claiming that we breached the agreement. 
We later found out from the score sent to us by my bank that this wasnt the case. My credit score is still good for approval. 
We are seeking your intervention so that we could get our {$6000.00} back from Home American Mortgage Group.

Thanks
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 credit standing. i am requesting immediate corrective action to remove or amend the disputed accounts, as experians inaction violates federal law and my rights as a consumer.
Product: Debt collection

I set up a payment agreement with Transworld Systems inc. I was told by two different employees that they would send me a letter of debt settlement. We arranged a payment agreement, I have not received a letter of debt settlement. I have contacted Transworld Systems inc. to try to get this issue resolved and they refuse to provide me with the information needed to prove that we have reached a settlement. I spoke with a supervisor and she still would not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not used my credit since 2017 I have a police report about stolen mail the person got arrested
Product: Debt collection

In XXXX of XXXX a representative from Rent Recovery Solutions contacted me about a debt. The rep indicated to me that if I paid the debt that they would remove the collection from my credit report. I did pay this in XX/XX/2019, but to this day it is still on my credit report.
Product: Debt collection

I have no idea who MERCHANT ADJUSTMENT SERVICE is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. MERCHANT ADJUSTMENT SERVICE is indicating that an account with AN UNKNOWN account # was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized MERCHANT ADJUSTMENT SERVICE as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ MERCHANT ADJUSTMENT SERVICE } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to MERCHANT ADJUSTMENT SERVICE, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Credit reporting, credit repair services, or other personal consumer reports

A new account appeared on my credit with all 3 reporting agencys. The original creditor is from XXXX XXXX. This was previously disputed and deleted from all my reports. It has since reappeared under XXXX XXXX ( XXXX XXXX ). This has now caused my score to drop and it should never been put on. This should be deleted as it previously once was.
Product: Credit reporting or other personal consumer reports

ComenitycbXXXX Paid debit debt collection company in 2022, Comenity bank has refused to take this off of my credit report, even saying they can not discuss my own account with me.