23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

onXX/XX/XXXX I made a online payment in the amount of= {$740.00} to Santander consumer, usa through there online website through there XXXX XXXX payment online option, received a confirmation # XXXX, that the payment was received through my visa debit card, this amount was the remaining balance of my car loan paid-in-full, my online acct with Santander consumer. usa stated that my loan was paid and closed onXX/XX/XXXX, approx., 2-3 days after I received an e-mail from Santander consumer, usa stated that iowed them {$730.00} I called Santander consumer onXX/XX/XXXX concerning the payment, the claim they did not receive the payment, I stated to them I had proof it was sent to them through their XXXX XXXX online payment option. which I have been using to pay my car payment ever since I had the loan in XX/XX/XXXX and the never claim they had any problem receiving my payment up until now when I sent them the last payment of the loan, they requested a copy of my bank statement showing proof that the money was taking out of my checking acct I fax the copy to them onXX/XX/XXXX, the banking statement indicated that the money was taken out of my checking acct onXX/XX/XXXX -atm w/d # XXXX XXXX -Santander consumer, usa, I call them that same day I sent a copy of my proof of bank statement to see if they had receive it, they stated that they did receive the bank statement, for me to call back in 3 business days, I called them back on XX/XX/XXXX, they stated that they was still looking into the matter, all I have been getting from these people/company is the run around, I have all my proof that the money was sent to them and they did receive it, but they are doing something illegal, to try and keep my money payment, they even sent me a refund check and a Release of Lien paper, along with a Maryland notice of security Interest filing , whatever that is it looks like a title Document, but it states on the document that it is not a title, these company have scam so many customers out of money, that I can't understand why they are still in Business, i'm out of $ XXXX they just stole from me, but they are not going to get away with this. this company needs to be investigated thoroughly, how can they just take customer money and keep getting away with it, they have to be stopped and held accounted for.
Product: Debt collection

XXXX XXXX contacted me after I had my attorney deal with XXXX Client Capital One. There was an out of court settlement and the matter is confidential. Regardless there should have never been any form of communciation between XXXX XXXX or and any third party agency representing Capital One Bank. They ( Capital One XXXX XXXX was offered a ciece and desist during the confidential communications between my lawyer the collection agency client. The letter should have never been mailed. The debt should have never been sent to XXXX XXXX. I believe that this is a form of severe harassment as outlined in XXXX XXXX XXXX Fair Debt, Collections Practices Act. As XXXX has failed to respond to many written correspondence. I am informing your office amounf others and my acting attorney at the time for possible litigation against Capital One Bank and XXXX and XXXX XXXX. I am offering the company XXXX XXXX an out of court settlement of {$5000.00} make payable to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX within the next 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a total of 9 unauthorized inquiries on my consumer report that were located after pulling my free annual credit report. These unauthorized accounts have caused me a great deal of stress. These unauthorized transactions are making it impossible to extend credit or get approved for basic household essentials. I am requesting them to be removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

DPT EDXXXX XXXX or XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX or XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Previous claim with CFPB, claim # XXXX, XXXX deleted the above account. 

I have attached a pdf file with the XXXX credit report of the disputes, which proves the deletion of this account.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX show account as closed and written off but I have not received a XXXX form for cancelation of debt. under FCRA I am seeking statuary damages, since creditor has furnished inaccurate information about the Status. This can be consider fraud. I would like this to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred. Despite having sufficient funds when transactions were authorized, I was charged Fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX fraud department and asked if they had already had my police report and stuff on file from last year and they didnt. I was trying to dispute unauthorized inquires and wouldnt dispute them and I cant get a hold of transunion where someone could help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the Experian credit bureau XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXXXXXX XXXX  XXXX, NC, XXXX, XXXX XXXX XXXX**** Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Mortgage

they have not offed me any solution for my situation help or modification and because it is a servicing company i does not appear on my credit also, they failed to reinstate my account and did not help me with my differed principal payment that was never explained to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION, XXXX  ARE BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of 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.

The following information on my credit report is the result of identity theft and should be blocked : XXXX 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 nor verify 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 other bureaus. I dont 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 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: Money transfer, virtual currency, or money service

Money was stolen off of my cash app account. I tried to request the money back, the sender cancelled my request. I disputed the transactions to cash app and they said sorry theres nothing they can do. 

Date XX/XX/2022 {$45.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Creditor, I am writing to dispute the validity of a debt that is listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I have the right to request that you provide me with validation of this debt. 

Under the FCRA, creditors are required to report accurate information about a consumer 's credit history. Inaccurate information, such as the reporting of a debt that is not mine, is a violation of my rights under the FCRA. 

I demand that you take immediate action to investigate the accuracy of this debt and provide me with validation of the debt. Failure to do so will result in legal action to enforce my rights under the FCRA. 

Furthermore, I demand that you remove any negative information related to this debt from my credit report until the debt has been validated as accurate. Failure to do so will also be a violation of my rights under the FCRA. 

I look forward to your prompt response to this matter. Please note that I expect a written response within 30 days, as required by law. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Sofi, ending : XXXX I opened an online checking account with Sofi a few months ago from a sponsored link on XXXX. XXXX advertised {$120.00} bonus, and Sofi {$300.00}. 
Turns out, that when I wrote XXXX they refused to pay me, as Sofi stated in chat that I did not make a direct deposit of $ XXXX, which I did. 
I complained to the XXXX, without result. 
These people need to understand not all direct deposits are from weekly pay checks. 
Their site even lists retirement, and other sources. Most of these are paid quarterly, etc. 
I feel the promotion is a scam, as all I receive is 3-4 spam emails everyday to invest in cd 's, etc.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Subject : Dispute of Inaccurate Information & Noncompliance Civil Liability Under 15 U.S. Code 1681o Dear cfpd, I am writing to formally dispute inaccurate information on my credit report and to bring to your attention your failure to comply with the requirements of the **Fair Credit Reporting Act ( FCRA ) **, specifically Section **1681o**, which holds credit reporting agencies accountable for negligent noncompliance. 

On XX/XX/XXXX, I submitted a dispute regarding the following inaccurate entry on my credit report : XXXX - account number # XXXX - reporting errors late payment, incorrect balance, or status Despite my dispute and the clear evidence I provided to demonstrate that the information is inaccurate, it appears that the credit report has not been updated accordingly. Additionally, I have not received any communication regarding the status or outcome of your investigation within the required time frame outlined under the FCRA. 

Failure to comply with the XXXX your failure to investigate the dispute in a timely manner, or provide me with a written responseconstitutes **negligent noncompliance** under **15 U.S. Code 1681o**. This section specifically provides that a consumer may pursue civil remedies when a credit reporting agency fails to properly investigate and correct inaccuracies in the consumer 's report.

To summarize, my complaint is as follows : 1. Noncompliance with the FCRA** : The failure to investigate my dispute within the XXXX period ( as mandated by the FCRA ). 
XXXX. Failure to Correct Inaccurate Information** : Despite providing supporting documentation, the inaccurate entry has not been rectified. 
XXXX. **Failure to Communicate** : I have not been provided with any timely updates or the results of your investigation into my dispute. 

I request that you immediately : XXXX. Investigate and correct the inaccurate information on my credit report. 
2. Provide a response** regarding the status of your investigation, including the results and any actions taken.

3. Compensate** for any damages or inconvenience resulting from your negligence, in accordance with the provisions of the FCRA .

Please find enclosed the supporting documentation I have submitted previously and again for your reference. I expect this matter to be resolved promptly, as per the FCRA requirements, and I request that you respond to this letter no later than XXXX business days from receipt. 

Should you fail to comply with the FCRAs provisions, I will not hesitate to seek further legal remedies available under 15 U.S. Code 1681o, which may include pursuing damages for negligent noncompliance.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XX/XX/XXXX [ Your Social Security Number or Last XXXX Digits ] ( if required
Product: Credit reporting

My credit history has been excellent ( i.e., 0 % utilization rate ; 100 % ontime pymts past 7 years ; XXXX open mixed accounts ; all other paid accounts in good standing ; XXXX small pd tax lien in XX/XX/XXXX ( {$5400.00} pd in 3 months ) ; avg credit history 4 yrs 7 mos - XXXX account for 9 yrs ; XXXX for 8 yrs ; XXXX small car loan opened XX/XX/XXXX ( first car loan in 10 yrs ) and XXXX rate and term refinance 6 mos ago ; XXXX hard inquiries in past yr ( XXXX for refi in XX/XX/XXXX and XXXX for new home loan XX/XX/XXXX ). My TU XXXX score has been between XXXX and XXXX last three months ( including a score of XXXX TODAY ) but when lender ran Classic XXXX TU on these exact same factors on XX/XX/XXXX a score of XXXX was issued. This will increase my interest rate a full point. 
I contacted XXXX and her supervisor XXXX at TU starting at XXXX this evening and neither could provide a rationale for such a low score. The gist of the conversation was that lenders can evaluate whatever they please and a borrower will never know what information was used. 
My score should be much higher for all the effort I dedicate to caring for it. Meanwhile the lending industry 's shell game of " XXXX different credit scores '' continues to ensure that people with excellent credit will still be stuck with high interest rates. The endless choice of models based on using credit ( or not using credit ) guarantees every lender an excuse to bleed borrowers no matter how strong their credit history is. 
Please investigate my complaint into this " rigged '' system, especially the following : 1. I believe my credit score was unfairly used and manipulated to generate a false impression of creditworthiness. My " excellent '' set of credit factors for the banking, credit card, insurance and auto loan models inexplicably reversed into a " poor '' set of factors under a mortgage model. This is outrageous and TU ca n't explain it. If there 's no valid explanation ( and how could there be? ) TU must be encouraged to report the data that is excellent/positive throughout all other models as excellent/positive on the mortgage model as well. 
2. TU needs to be able to explain why a set of positive parameters under one model becomes a strong set of negative factors under another. 
3. Please also lobby to halt the practice of allowing the credit bureaus to have hundreds of scores designed to penalize consumers no matter what their credit situation is. 
I need a response quickly due to escrow closing XX/XX/XXXX and I 'm facing a full % point increase if these reports are not corrected. All efforts to expedite action will be deeply appreciated. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting agency has made it easy for a debt collector to continuously report incorrect information and does not give equal opportunity to dispute it. Case in point, XXXX keeps reporting a " missed payment '' even though the account was closed in XX/XX/2017 ( as the credit report indicates ) and my attorney and I have disputed the debt with XXXX. XXXX has sent letters with inconsistent amounts due. I disputed this and Experian allowed it to remain. When it came up the next month as another " missed payment '', Experian would not allow me to dispute it. Every time any negative item is added to the report, we should be allowed by law to dispute it. In addition, when debt collection is being challenged, it should not adversely impact credit. The past two months, I  have gotten hit with collections reported by an agency I do NOT have and never have had any dealings with. I have no legal obligation to pay that company anything. Why is this allowed to impact me?? It is reported to me as medical collections. However, my husband 's insurance covers any medical issues and that is not my debt and any medical issues were paid by my husband 's insurance. The credit agencies seem to favor the collectors while holding the consumers XXXX and allowing " double jeopardy '' for the same thing over and over. This should not be legal and Experian should not be allowed to adversely impact credit and not give the consumer the ability to dispute it. Also, XXXX XXXX in XXXX hit me with several hard inquiries even though they did not have permission from me to do so. Yet, Experian gives me no option to dispute this online. I feel as if the credit agencies are in cahoots with the creditors. An investigation should be made into whether the credit bureaus get " kick backs '' or incentives from collectors to continuously input inconsistent or even incorrect information and leave the consumer little recourse to fix it.
Product: Debt collection

Equifax is reporting a debt that I asked them to validate to no avail. A medical collection account # XXXX for {$210.00} It does n't even show who its from nor the name of the collection company. Please show me the contract bearing my signature, the last payment is incorrect and the amount is inaccurate. I 've asked this account to be removed previously according to the FCRA.
Product: Mortgage

I make a double payment to my HELOC loan each month ; one to cover the payment due plus extra for principal and one that is just put towards principal. 

On XXXX XXXX, I was notified by my bank that my payment had been refunded to my bank for the reason that my account was closed. I immediately called XXXX XXXX, the holder of the loan to inquire the reasoning behind this. They informed me that their loans were now being serviced by XXXX XXXX XXXX XXXX XXXX. 

I then called SLS, Inc. and retrieved all of my account information, set it up in auto-pay with my bank bill pay service and thought everything was taken care of. 

In XXXX, I was informed by SLS that outstanding payments were due from XXXX ( of which I have documentation that they were credited to our XXXX account ). In addition, they were not receiving payments from my bank. Although my bank had been sending them, and monies had been taken out of them. 

Sometime in XXXX as well, I was notified by my bank that SLS had refunded monies sent to them because they did n't know who I was or what account to be crediting the payments to. 

SLS has accepted several payments and I believe credited those payments to our loan, however, last week I received a notice of default. 

After many calls to them, this issue remains unresolved. I am incredibly frustrated with them and fear that their incompetence will impact my credit.
Product: Mortgage

Our house burned down on XX/XX/2016 and was a complete loss. As our primary mortgage holder, Nationstar Mortgage ( d/b/a Mr. Cooper ) was given a large amount of coverage funds from our insurer and put into escrow to issue disbursements for rebuilding our home. Nationstar refunded my wife and I the amount of the insurance proceeds above the balance of our mortgage. When we called Nationstar 's customer service/loss draft department, a representative explained that they were not entitled to keep more than the mortgage balance in the escrow account. We fired our contractor based on numerous violations of the construction contract and New Jersey consumer fraud statutes. Despite already having received insurance proceeds up to the mortgage balance, issuing a refund check to us and representing this was their policy, Nationstar has told our insurance carrier that additional insurance proceeds must be placed in their escrow account. They have also insisted that any funds they receive go to pay our former contractor, who filed a bogus lien claim against us. This leaves us with little money to complete the rebuild and will make our partially completed home essentially worthless. Further, our tax assessment after our house was destroyed was decreased by roughly 65 %. Yet Nationstar still takes their full cut of the original tax payment in our mortgage payment each month. We have requested reimbursement for their overcharging but have gotten no response. They have both reneged on and misrepresented their escrow policies while taking taxes beyond the prevailing rate after the fire. We are making our full mortgage each month while having to rent housing for our family. We are being bled dry and about to lose everything because they won't help us rebuild our lives and our home. Nationstar is intentionally and unconscionably forcing us into foreclosure and financial ruin.