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

I am writing to formally dispute and file complaint to SANTANDER CONSUMER for certain inaccuracies on my credit report, which I believe do not comply with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). My name is XXXX XXXX XXXX, and my date of birth is XX/XX/year>. My correct address is XXXX XXXX XXXX XXXX XXXX, TX XXXX. The FTC report number related to this complaint XXXX. Upon reviewing my credit file, I have identified several questionable entries that appear to be duplicative or otherwise inaccurate, with no evidence of authorization or approval by me. These entries do not reflect any transactions, accounts, or activities that I have knowingly initiated, and I believe them to be fraudulent in nature. Under the FCRA and FACTA, I am entitled to dispute any inaccuracies on my credit report and to request that unverified or erroneous information be removed. I formally request that you investigate these items and, if they can not be properly verified, remove them from my credit file in accordance with federal and state law. Per FCRA Section 605 ( 15 U.S.C. 1681 ), I expect that any unverifiable information be removed or corrected, and under FACTA Title 1, Section 151, I am entitled to receive proper documentation proving the accuracy of these entries. I expect a thorough investigation and timely resolution of this matter, and should these entries remain unresolved, I will take further legal steps to protect my rights.
Product: Mortgage

my loan was transferred XX/XX/18. and I had to make my payment before XX/XX/18 to XXXX, and after to new provider, XXXX XXXX I made a payment on XX/XX/18 XX/XX/2018 i called loancare and was told that they may have canceled my payment, and to wait a few days with the transfer I have 60 days no late fees or report to credit agency, the XXXX loancare calls and leaves a message, I call back and the guy is telling me I have to make the payment I explained I did and I was told to wait a few days to see if it would still process he tells me nope need to make payment now, I tried to explain I would like a copy of that letter, I don't want to have 2 payments pulled the same date, he said trust him and I need to make a payment m I said I did your company messed it up and he said I still have to make the payment today!!!!! now XXXX and XXXX XXXX use loancare for the service of the loans so laon care is the one demanding my payment I told him I would feel better waiting few days make sure the other doesn't process, I than said I thought someone has 60 days so how can you be telling, me that I have to pay today, again I told him the lady on the XXXX told me to wait a few days and that's what I wanted to do, he than said I still have to pay my loan I said I did and they messed up and he than started again I told him again I thought with the 60 days I have some time so whats the rush if I wait a few days and he wouldn't stop so I hung up so sound like they don't follow the 60 day rule with the new transfer
Product: Mortgage

HomeBridge Financial Services , Inc . 

Loan # XXXX my principal is {$710.00}, payment {$1000.00} with Escrow {$330.00} per year sinceXX/XX/XXXX when I refinance and pay over {$3000.00} in Escrow in total over {$6000.00} Escrow insurance {$660.00} tax {$2400.00} total {$3000.00} {$330.00} x XXXX = {$3900.00} now {$400.00} X XXXX = {$4900.00} home bridge inXX/XX/XXXX have increased my monthly payment by {$78.00} with out letting me know I have to pay {$400.00} per month XXXX {$4900.00} per year to cover my tax and insurance wish cast me {$3000.00} Home Bridge company is not acting in my best interest. I should not be forced to over pay every month to keep a roof over my head
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint regarding an other account I had with the same lender report XXXX XXXXXXXX late payment when I was never 30 days late They then removed the late and went into my other account I have with them that has payments auto drafted and added XXXX late payments to my other account Since the payment is auto drafted is draws directly out of my account on the exact date its due XXXX payments were reversed but they went through on the second try. There was never a 30 days late payment on my accounts prior to me making the complaint on my first account
Product: Mortgage

Hello, I am a veteran from the XXXX XXXX, and I am unemployed at this time because of my injuries from the military and other XXXX issues. My mortage holder forclosed on my loan because of accounting errors on their part and applied forced insurance amounts to my account statements and spread sheets when we already have our home insured thru State farm insurance agency. We would make payments to the mortage company and they would in term send our payments back or would deny that they receive them at all. We are doing the best that we can with making our payments on time but it is very hard to do with our lender threating us with forclosure notices. We have been back a forward with them trying to resolve serious issues with them we have not came to a favorable conclusing at this time. We think that our mortgage company has fail to follow appropriate billing and accounting practices with our homeowners loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theyre reporting late payments on a second mortgage. We got out of bankruptcy but no one told us to resume making payments to the bank we tried paying the trustee as we had been and when we talked to XXXX XXXX they said they would fix it but never did. If you look at our payment history we have never been late on our mortgage payment. It was not our fault as we had no direction from the trustee or bank that we should pay the bank directly. XXXX removed our bankruptcy info but not the 2 late payments. I also would like you to look into my credit score because experian has me at XXXX but they continue to report my score as XXXX to people who inquire on my credit which causes me higher interest. 
I also would like the XXXX XXXX investigated as I believe that was my husbands account and should not be reflected on my account. I disputed both account but no change has happened. Another thing that I would like to know is when I did XXXX  to try and up my credit score I had no change so because there was no change I canceled XXXX and experian lowered my score by 3 points.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Account Number XXXX showing as Collection/Charge-off which means debt was already paid. Also per 15 USC 1681-2, 1681b, 15 USC 6802, per The Privacy Act of 1974 they can not report any adverse action on said report Nor report without my consent or verification of debt
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a BK that isn't mine, and there are some accounts that aren't mine. Please remove them immediately.
Product: Credit reporting or other personal consumer reports

A serious problem has arisen with the XXXX credit cards XXXX, XXXX, XXXX, and XXXX that XXXX XXXX XXXX XXXX of chase XXXX XXXX I discovered has lied to me telling that scam XXXX also XXXX XXXX XXXX XXXX fake XXXX XXXX and XXXX working with XXXX fake degrees from XXXX XXXX. As doctor under License no. XXXX and TIN # XXXX and XXXX and now aware from complaint XXXX and XXXX XXXX. XXXX at XXXX XXXX XXXX XXXX that my personal information are used there by XXXX XXXX in an email I received from the XXXX XXXX XXXX XXXX. She lied because I am now informed through XXXX XXXX no. XXXX that the XXXX credit cards used in my name are from XXXX XXXX and those assign claim numbers are XXXX and XXXX all still unpaid, below? 


Why did XXXX XXXX XXXX XXXX?
Product: Debt collection

After checking my records, it appears that XXXX XXXX XXXX, XXXX. 
doubled me using my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing this complaint due to PenFed Credit Union failure to refrain from reporting information pertaining to my consumer report accounts. I demand they immediately delete the late payment derogatory verbiage from my consumer reports. I never authorized transactional history nor experiences to be reported. I am in severe financial XXXX  and can not obtain access to XXXX  because of this unauthorized reporting. I have been denied credit on every application I submitted because of reporting tactics like these.
Product: Credit reporting or other personal consumer reports

My information was used fraudulently, and unauthorized.
Product: Debt collection

According to the FRCA, the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.

The accounts were not properly investigated because ; the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Therefore, this is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is committing IDENTITY THEFT, I have NEVER gave permission nor written consent to report my PERSONAL information. The inaccuracy and improper use of my consumer report has caused an extreme burden on providing for family. According to the US District Bankruptcy court they do NOT provide personal information to reporting agencies, therefore there can not be a furnisher to verify the information. This information is only accessible on the Pacer system and they have a privacy discloser on their website that they DO NOT send information to third parties. Retrieving a consumers private, personal information for profit is fraud. How can any of these companies state there is accuracy and verification, if the courts admit to NOT providing personal information?
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. 
Im complying with the letter of the law & what youre required to have to honor my 605B request. 

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

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

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

There must be written instructions by me to have anything written on my credit report and I never gave that authorization.

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written consent. 

I did not authorize nor consent to any of the accounts being reported on my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have been struggling with being able to make my mortgage payments since XXXX/XXXX/2017. I notified the mortgage company at that time. They sent me a hardship packet, which I filled out and sent directly back to them. Heard nothing from them, except for collection calls from their call center. Those people are not able to help me, just keep asking when I will be able to make a payment. In XXXX, 2017, I was able to get enough money out of my XXXX to make the XXXX, 2017 payment. Then in XXXX, 2017, I was able to sell one of my vehicles to pay the XXXX, 2017 payment. I have no more funds to make any more payments, and they do not accept partial payments. So now, I owe for XXXX, XXXX and XXXX, 2017. In XXXX, I was finally able to talk to someone who told me that they did not have enough information and told me what I needed to send. I completed the items that they said they needed and sent them to them directly. Never heard from them again. Talked to them again in XXXX, they still did n't have all the info needed. So, I sent them what they requested. Heard nothing from them. In XXXX, called them again, and you guessed it, they did n't have our information. They finally found it in the wrong folder!! And they needed updated information. Sent that to them again in a fax on XXXX/XXXX/2017. I still have had no calls from them. Today, I received the attached letter from them. I am trying to resolve this, but they are not doing anything, and I keep getting further behind. I tried to call them this afternoon, but I was on hold for 30 minutes with no one ever answering the phone. I do n't know what else to do. I need help, because, I do not want to lose my home. My wife has acute XXXX XXXX and the stress is making her have XXXX XXXX, and has caused us to spend more money on hospital and office visits, plus prescription drugs. What can I do? We are struggling here!! 
The mortgage company is Amerihome at XXXX. XXXX XXXX, XXXX. NJ XXXX. And, their phone # is XXXX.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights . Or 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: Credit reporting or other personal consumer reports

On XXXX XX/XX/2023 I applied from my house in Arizona for a XXXX XXXX XXXX XXXX through XXXX XXXX XXXX XXXX XXXX and was instantly approved. However, before I received the card I traveled to XXXX XXXX ( where I am from originally ). I had intended to receive the card when I returned. 
However, family matters meant that I had to stay in XXXX XXXX longer than anticipated, and XXXXXXXX XXXX XXXX XXXXXXXX required me to call. They sent regular mail to the address in Arizona, but I did not receive it. Eventually I did call, in late XXXX, but they reported that because they didn't hear from me that they closed the account. I thought that was all ; I told the rep that I would apply again when I return to the XXXX and he agreed that I could. 
What I did not know was that they, despite closing the account, charged me the annual fee and did not reverse it upon closing the card. They mailed paper statements to my address in Arizona for XXXX straight months ; I did not know of this obligation and no email, text message, or phone call came from them during the 90 days I did not pay this annual fee. I only became aware of it when my credit monitoring service notified me that a XXXX ' notice had been listed on my credit report in XXXX of 2023. My XXXX XXXX dropped XXXX points. I found it it was XXXX XXXX XXXX XXXX XXXX 'XXXX XXXX XXXX XXXX causing this and called them, but the representative I spoke with demanded a payment to cover the annual fee and penalties/interest. Not knowing what else to do, I paid them and asked them to investigate as I was told that the account had been closed. No one had mentioned that I owed an annual fee on this closed account. 
As proof, I have a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX department dated XXXX XX/XX/2023 informing me that the account was closed. There is no mention of a balance due. I did not use the card as I did not have a chance to do so. I had no log-in or reason to go to their website and did not think there was any action required on my part as they had closed my account before I had had the chance to use it. 
I have heard nothing from them for more than six months. I would like 1 ) my payment returned and 2 ) my detrimental mark on my credit report removed. Other banks XXXX XXXX XXXX XXXXXXXX, for XXXX ) sent me mail informing me that they were lowering my available credit limit as a result of my missing this unknown payment to XXXX. Again, my XXXX XXXX, up to that point reflecting my perfect credit at over XXXX, dropped almost XXXX points. 
I have attached the original letter informing me that the account was closed, and XXXX letters from XXXX XXXX XXXX informing me that my credit line has been reduced ( clearly as a result of this situation ).
Product: Credit reporting or other personal consumer reports

XXXX  reporting incorrect balance since XXXX  2024
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 Acct without my written instructions. 

XXXX XXXX XX/XX/2020 : done Public Records Public records include bankruptcy filings, court records, tax liens and monetary judgments. They remain for 7 -10 years.

No Records Found.

Account History Accounts " paid as agreed '' can remain on a report for 10 years from last activity. Negatives should be removed after 7 years or 10 years for bankruptcies. 

Account Name XXXX XXXX XXXXXXXX Account # : XXXX* High Balance : {$970.00}
Product: Mortgage

We were baited by Ditech Mortgage company. We were told it would take no time our credit was good. We were never told that we must have a XXXX dollars in the bank for a refi. Instead we put out the money for appraisal XXXX. We are an elderly couple we explained that and never led them to believe we had extra cash in our accounts. Then we were told our appraisal had to be wrong because we purchase the house in XXXX of 2014 and in XXXX we were looking for a refi. We updated the house ripping out the kitchen putting in granite counter tops and new appliances. The appraisal came in XXXX higher then what we paid for the house. So Ditech was unhappy with that finally our appraiser wrote to them and explained. Then they demanded XXXX successive bank statements to prove we had one months mortgage payment. This began a nightmare for us. We used our savings and even made a late house payment to please them. The worse thing is they told us they saw we had not paid our mortgage thus rendering us unable to get a refi. IF in the beginning we had seen the FHA requirements or if Ditech had instructed us upfront we would have NEVER gone with them. Now we out of XXXX dollars and out of our mortgage which our lender is most helpful and understood what happened. We will clear this up by a double payment. In the meantime we have no money for this month groceries. Thanks to Ditech who owes us the appraisal money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the following inquiries listed on my credit reports. I wrote a dispute letter to the companies and the credit bureaus. 

XXXX XXXX XXXX XXXX  inquiry XX/XX/18 XXXX XXXX XXXX XXXX, Suite XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/18 XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX XXXX  XXXX XXXX XXXX XXXX inquiry XX/XX/18 XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX I received a response from 1st Investors Financial Services indicating that the inquiries were made at the request of XXXX XXXX XXXX  and XXXX  XXXX. So I contacted XXXX XXXX XXXX and XXXX XXXX who informed me that they can not assist me with deletion of the inquiries. I did not authorize credit inquiries one week apart.
Product: Credit reporting or other personal consumer reports

I never received any of my three requests for my free credit report Ive checked my text and my email all information is entered correctly
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 

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.