23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am in the status of trying to repair my credit and purchase a home and I saw that the company Santander Consumer USA has reported a charged off status on my on XXXX and XXXX credit report, but the company did not send me a copy of the 1099-c form. I have notified Santander by writing several times for a copy of the 1099-c. As of today 's date I have not received a copy since 2018. Due to this being on my credit report the creditor is causing more financial hardship by violating the FCRA by not providing an option for me to dispute this creditor of my credit report.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX
Product: Debt collection

Sent a letter on XX/XX/2021 " Request for Validation '' of debt and received many phone calls and letters, the latest dated XX/XX/2021 but received on XXXX XXXX
Product: Mortgage

I have been making extra payments towards my mortgage. I do this online manually- it's not an automated payment. When I go through the process, it asks how I want to apply the payment. I have a choice of principal only, regular payment, or escrow payment. I choose regular payment. 
Bank of America will only accept one extra " regular '' payment, and then starts applying my payments to principal only, but without telling me. I know exactly what I am doing, and I want to make a series of " regular '' payments, because it will achieve the same thing but will bump my due date forward. They have told me that I need to ask their permission to do this, and that the reason they do this is that it's in MY best interests to make principal only payments. I get to make my own decisions about what's in my best interests, and I disagree with Bank of America. Furthermore, they have demanded that I send them a letter " asking '' if they will grant ME permission to get further than 30 days on my mortgage, and they will only accept that letter via FAX ( hahahaha ) or US Mail. Apparently they feel that they have the option to deny me this " privilege '' if they feel like it. 
I find the whole situation incomprehensible. They WON'T let me get ahead on my own loan? They know what's best for me? Since when. I don't think this is legal, and I'd like an explanation. My money, my choice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the Accounts proceeding, 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. 

Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send me an updated copy when this action is completed. 

XXXX XXXX XXXX Account number XXXX Account status XXXX XXXX sold to ; XXXX XXXX XXXX XXXX Original creditor Comments Transferred to another lender Purchased by another lender Contact info Address XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Account number XXXX Account status Closed This account is passed the statues of limitation period in Virginia. Also In Virginia, the applicable statute of limitations for credit card debts, mortgage debts, and medical debts is five years. After the statute of limitations has expired, a creditor or debt collector can no longer file a collection lawsuit related to that debt. XX/XX/2021 Debt Type : Deadline in Years Credit Card : 5 Auto Loan : 4 Oral : 3 Responsibility Individual Terms 60 Months Contact info Address po box XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX. 

XXXX XXXX CT GA XXXX Reference number XXXX Record type Bankruptcy chapter XXXX XXXX XXXX XXXX CT GA XXXX XXXX XXXX : If the Chapter XXXX plan is dismissed, If a bankruptcy case is dismissed, the legal affect is that the bankruptcy is deemed void. Dismissed or adjudicated for XXXX years, the Fair credit Reporting Act mentions nothing in Section XXXX relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed XXXX never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section XXXX ( a ) ( XXXX ) of the FCRA, they must delete this information from my credit report and send me an updated copy when this action is completed.
Product: Mortgage

I operate several XXXX in Florida and obtained XXXX building mortgages through Bank of America. My issue is that XXXX of the XXXX loans were paid off after about 5 years into the loan. I recently tried to pay off the third mortgage that I had approximately 9 years, but was told that if I paid it off I would be subject to a prepayment fee of almost XXXX! I am shocked and stunned that after 9 years i would be subjected to a prepayment fee. When i spoke to my premier banking advisor he said he was as well surprised but could not help me because it would interfere with his cost benefits. He referenced my loan as a " mako '' loan and has a life prepayment provision. I have been banking with BOA for over 20 years and he said that my prior advisor with BOA mislead me. I am asking for resolution as a loyal BOA client but have no recourse. I feel mislead and deceived by BOA and wish to have your intervention to assist in a favorable resolution.
Product: Credit reporting or other personal consumer reports

I want the account removed from my reports at the 3 credit agencies within 72 hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered XXXX to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within 72 hours from all 3 credit agencies. 

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

I am writing to formally report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to disposed of : 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: Debt collection

This IS NOT A DUPLICATE COMPLAINT. This is regarding Mr Cooper now lying about a break in on the property for which they were involved. By their own admission they falsely stated this break in was an inspection on XX/XX/XXXX. On that same date, security cameras revealed a break in of my locked and gated property. The perpetrators proceeded to break open the window of the guest house occupied by a renter since XXXX and damaging it. A man then climbed through the window with a woman assisting him in the guesthouse. They took mail, rummaged through personal items and changed the locks, locking out the renter. Last week the renter found a flyer taped to the gate by a realtor on Mr Cooper 's letterhead offering him {$30000.00} to vacate by XX/XX/XXXX. The photo on the attached card was the same woman who was on the security cameras. I am requesting the name of the inspector and the license number. Mr Cooper has recently stated, after a year of avoiding producing requested documents and information, that they are not obligated to provide that information requested by me and my attorney. As an additional note, a police report has been filed and a complaint with the department of real estate is being initiated.
Product: Mortgage

many years ago a mortgage broker defrauded my mom and i by putting her on the mortgage and me on the deed, ,this is my home not hers and it was my down payment..after years of attemptong to correct this error the loan was taken over by ocwen who eventually let me assume my oqwnloan and gave me a huge ballon payment and to make mattters worse they wrongfully reprted to the credit agencoies that i missed XXXX payment when my name wasonly put on the mortage 4 months ago ... ... because of this i was denied a loan for an apparatus that i need for a XXXX child that the state will not cover ... so far they have not corrected their error
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accountd as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance : {$390.00} XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX  Balance : {$150.00} XXXX XXXXXXXX Balance : {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

For nearly 3 years Experian has been unable to provide my credit report. They told me they lost it. Its as if I dont exist to them. I need this resolved once and for all so that I can purchase a vehicle.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX located in XXXX, XXXX. On XX/XX/2024, XXXX XXXX XXXX XXXX failed to report my correct credit card usage and balance to the credit bureaus. This oversight has caused a significant negative impact on my credit reports from all major credit bureaus. 

Despite my attempts to resolve this issue directly with XXXX XXXX XXXX XXXX, there has been no rectification of the error. The incorrect reporting has adversely affected my XXXX XXXX and has caused undue stress and inconvenience. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and ensure that XXXX XXXX XXXX XXXX corrects the reported information promptly. I also seek guidance on any further steps I should take to mitigate the negative impact on my credit reports. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue
Product: Vehicle loan or lease

I apply for a loan to get a XXXX online but the seller call me and tell me the I don't qualify for this car and XXXX XXXX XXXX XXXX sell me a Kia he bring the car to delevery in my house I signed the document ovethere but the person never give me a copy or the contract when I go back to the dealer to ask for the contract the seller give me a document different the one the I signed AND I SEE THE dealer open me a JOINT account with my grandfather that fraud and I have the car registration. He is no my cosigner. Is a joint account and I live in Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT WITH AN IDENTITY THEFT POLICE REPORT AS THERE IS ITEMS AND INQUIRIES AND LATES ON MY CREDIT REPORT THAT I HAVE TOLD AND FORWARDED ALL ITEMS THAT ARE FRAUD AND LATES TO XXXX, XXXX AND TRANSUNION ALONG WITH FRAUDULENT CIRCLED ITEMS WITH POLICE REPORT, WITH MY IDENTIFICATION GOVT ID, WITH THE SECTION 605B OF THE FCRA, AND THESE CREDIT BUREAUS LISTED ABOVE REFUSE TO REMOVE THESE FRAUDULENT ITEMS, INQUIRIES, ANDB THE LATENESSES CAUSED BY THESE FRAUDULENT ACCOUNTS FROM MY REPORTS, IVE SENT THESE TO THE 3 BUREAUS NUMEROUS TIMES CERTIFIED WITH RETURNED RECIEPTS. I HAVE ALL THESE RECIEPTS I AM GOING TO THE ATTORNEY GENERAL AS WELL WITH MY COMPLAINTS.I WANT ALL ITEMS I CIRCLED, HIGHLIGHTED ON MY REPORTS REMOVED IMMEDIATELY AS THEY ARE A DIRECT CAUSE OF THE IDENTITY THEFT, THEY ARE HURTING ME FROM OBTAINING CREDIT AS WELL AS I WILL GET AN ATTORNEY AND BRING A LAWSUIT IF THEY ARE NOT REMOVED IMMEDIATELY..
Product: Credit reporting or other personal consumer reports

Every month XXXX XXXX refuses to legally update these credit cards and I am tired of reporting this monthly. I paid off the card and have attached the XXXX owed. 
I will be closing United Community Credit Card due to them allowing XXXX to handle their business. 

Is this a deliberate attempt to have consumers have non accurate information so they can apply for lower interest rates in the bad times we currently live in with these rates??
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$35.00} ; XXXX XXXX Balance : {$33.00} ; XXXX XXXX Balance : {$35.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Debt collection

on XX/XX/XXXX of XXXX someone opened a credit card with an incorrect town and zip code at a XXXX XXXX facility. the amount is at {$190.00}
Product: Checking or savings account

Hi, my name is XXXX XXXX, I am victim of a check deposit scam and was told the checks were legitimate only for them to be withdrawn by the person and me suffering the consequences of the now confirmed fraudulent checks being reversed and debited.. my account at Chase. The scammer told and convinced me the checks were real and legitimate, I was naive to his scheme and unaware of the consequences due to my financial ignorance. I gave him my account information and my chase debit card, he was then able to deposit the checks and withdraw the money for himself. Leaving me with a negative balance and a closed account.. Now I am fully aware of what happened now as I went into the branch and told them everything of what happened, I am still liable for the amount thats owed and I can accept that because even though he committed the crime I still gave him my banking information and compromised myself.. I just want to make this right and pay whats owed to the bank and hopefully restore my credibility to open new banks in the future after the debt is paid.
Product: Mortgage

1 ) I have refinanced my house, after a few months my mortgage was sold to a 3rd party mortgage / collection company. 

2 ) 3rd party received my payments but did not post to my account. 
i have shown proof of payments but they are refusing to make corrections. 

3 ) i have disputed with 3 credit bureaus but mortgage company did not agreed to make correction. mortgage company insisted to keep negative report on my account. 

4 ) later mortgage / collection company made correction for the first 2 months and kept negative report for the 3rd month. 

5 ) i have resend all my proofs with new dispute letter to credit bureaus, one of them has corrected my account and i am waiting for the other 2 6 ) mortgage / collection company did not post my latest payment ( XXXX ) i was concerned to get additional negative report. I have called-in on XX/XX/XXXX and changed payment method to " monthly auto ACH '' to replace my check. mortgage company took the ACH payment and also cash my check at the same time. They took 2 payments and advised me that the additional payment has to go for the month of XXXX. 
am i getting reimbursed for the early payment and additional interest paid? 

7 ) On XX/XX/XXXX, I have requested again credit correction, the mortgage company replied on XX/XX/XXXX and XX/XX/XXXX that they have received my request and they are reviewing it. I have not received any reply -- -- -the week of XX/XX/XXXX ( don't have exact day ) I called the mortgage company again, one of the operator inform me that they are making correction to my account and it may take over 30 days to see any changes. Previously I was told by one the supervisors that the only acceptable correspondence is via e-mail directly with accounting department. I have then sent a new e-mail requesting update/ correction on XX/XX/XXXX. 

8 ) As of today i don't have any written notice of the correction for my account. 
my credit score is still below average. 
I was unable to get new financing due to my credit score. 
I have lost many work hours trying to correct my credit for almost 3 months I am suffering with anxiety and stress trying to make this correction I am extremely dissatisfied with this mortgage / collection company, they did not make correction when i have showed them from my 1st e-mail that the issue is their company 's processing, it seems like they are more of a debt collector / collection company not a mortgage company. 
i hope someone review this matter and help me correct this issue and also protect other consumers from this type of financial and stressful harm.
Product: Checking or savings account

i have applied many times aplication in capital one for open new checking XXXX account ..but every time my aplication was declied..! nd i recieved email every time you have on debt nd low credit score.. but i am new and i recieved my social 5 months ago.. i never took any loan ..i want know why it is hapening again and again with me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed many incorrect and unauthorized items appeared in my report. I have sent letters to them but was never received any response from them. I felt I am being taken advantage and at the same time being ignored.
Product: Debt collection

I send a letter to this company dated XX/XX/XXXX. It is now XX/XX/XXXX ive never gotten a response from them. I have tracking number and proof of delivery. They are showing on my consumer report that the account was open XX/XX/XXXX and it has a balance of {$1300.00}. I have never had an account with this company.
Product: Debt collection

I received a letter dated XX/XX/XXXX after repeated phone calls and I told them I did not have an account with this bank in Missouri. They want me to pay a debt of {$1300.00} and the letter came from Glass Mountain Capital trying to collect a debt from XXXX XXXX XXXX XXXX. I want the collections to stop.
Product: Debt collection

I have told this company ( ERC Holdings LLC located at XXXX XXXX XXXX XXXX, FL XXXX ) several times on RECORDED LINE to Cease and Desist contacting my phone number. The Debt Collector is using a similar debtor name attempting verification of a debt not owed by me. My phone number is NOT listed, and, for them to obtain my number is using illegal privacy invasive methods on an innocent. This company was warned to remove my number, and, at the time they said the number was being deleted, however the harassment continues. I have maintained a call log with caller identification to show this harassment to the CFPB, FTC and Attorney General. This federal complaint serves as written demand to CEASE AND DESIST. I do NOT verify any debt. Any further contact " written, electronic, or by phone will be viewed as ILLEGAL. I will take full advantage of Federal Law and take legal action if these wrong attempts do not immediately stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there, I was recently hit with a 30 day late payment on my credit report. Due to the corona virus affecting my business I had to switch banks from XXXX to XXXX XXXX XXXXXXXX. It appears that my auto pay was turned off ( when I spoke with the representative she said that I manually turned it off on the online website, which I do not remember doing this. ) Due to the chaos of the current epidemic I traveled quite a bit to ensure the safety of my family and was unaware that my bill did not go through. If I had known this, I would have paid right away. As you can see on discovers payments, I paid as soon as I got notified that there was a late payment on my report. Switching banks added to the chaos. If you check the recent payments with Discover, every payment has been paid on time and I would like to ask that you remove this late payment from my report. 

Thank you, - XXXX