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

Santander charged off my loan at only 60 days past due without any notice. I was informed by XXXX XXXX in XXXX. In XXXX I contacted them by email explaining my financial hardship and got no response back by email. Over the time my loan I paid always on time a few times I was a few days or wk late and they would threaten me with a repo. They told me I can not refinance my loan even though I was current at the timE. About a week or two ago a tow truck shows up at my house and gave my daughter a business card with case number and my name. I thought this was shady. Ive had some repos in the past and they dont notify or come during the day. Needless to say I have the vehicle tucked away till I hear something legitimate. I know most repos dont occur till after 180 or more days late and a charge off or closing doesnt happen till they have possession of the vehicle. Atleast where Im originally from thats how we do things.
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Illinois, XXXX This letter is being sent to you in response to a recent charge of {$200.00} that was made on my credit report that I do not recognize. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Debt collection

I informed this collection agency that I have been paying the original creditor and find it unnecessary that this account went to them. I also informed them that I will continue to pay the original creditor until the account is paid in full. They said they would continue to call and they have. I find this as a former of harassment since I informed them if my situation.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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, and so on.
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, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX  XXXX Account XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$0.00} Late/Closed XXXX  XXXX Account XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXXXXXX  Balance Owed : {$0.00} Late/Closed XXXX XXXX Account XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed
Product: Debt collection

That was from an apartment company which was fraudulent, The company has discharge the debt. They have sent the paperwork over and I also have but the debt collecting company is still asking for it.
Product: Checking or savings account

I lost my debit chime card at a local XXXX near me and someone was purchasing things with my card I reported it to chime filed a police report and got a new debit card chime keeps denying my dispute telling me Im the one who made the purchase when I never had my card in my possession.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are both indicating that I am disputing the account with XXXX XXXX and I am not. I requested they remove the verbiage that the account is in dispute and it still reports that. This thing hasn't been disputed in almost 6 months.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX, TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX , regarding an account that has been reported on my credit file. Recently, I reviewed my credit report and found accounts with XXXX XXXX XXXX XXXX XXXX that I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I purchased a copy of my Transunion, XXXX, and XXXX credit reports. Upon obtaining my reports and reviewing each report, I noticed a great deal of inconsistencies and inaccuracies on numerous accounts. I then reached out to each of the credit bureaus on XX/XX/XXXX via USPS certified mail ( priority ) with my personal identification information ( Driver 's License, SSN Card, & Bank statement ) and a letter asking for an investigation to verify/validate the accounts and the information reported on each report to ensure 100 % accuracy. In accordance with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), all information reported must be 100 % accurate. I received notification from the bureaus that the accounts were verified and accurate. However, I recently ( XX/XX/XXXX ) purchased another copy of my credit report of all 3 bureaus and there are still inaccuracies and inconsistencies.How could this be possible if the credit bureaus indeed completed a complete and thorough investigation? It is my belief that these accounts were not properly investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract any and all accounts posted on a credit report. The credit bureaus failed to provide me with any information regarding the verification of these accounts. I have since sent another request to each credit bureau via USPS Certified Mail ( priority ) regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

l 've repeating have send out numerous dispute letters requests. l 've done the theft identify copied letter and send out to all 3 major-credit reporting agencies. I have requested a fraud alert on my credit report. 
This are the inquiries that l 've requested to be remove. 
This are the following fraud inquiries : XXXX XXXX pull on XXXX XXXX XXXX XXXX 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 block or suspended my login to dispute. l have made a copied of notice. XXXX hasn't responded or remove the deleted accounts. Equifax has the same inquiries and still waiting on response.
Product: Mortgage

I would like to report a fraud on my escrow account.I would like to know whether you CFPB are you able to make decision in this matter or I have to report this issue to the FBI. 
substantiation : they never add a money {$4000.00} from sectionF/prepaids/on closing details sheet, to my escrow accont.The {$4000.00} dissapeared.There is also very difficult and completly incomprehensible system how they count a total loan value.They also do not make full payment od 3.5 % od downpayment in spite that I paid for this. .There is a big diference beatwen a purchase contract/see copy/ and what I signed at closing.I have told that every thing from purchase contract will the same on closing day.But was not.The change everything.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally file a complaint regarding the inaccurate and potentially unlawful reporting of collections, charge-offs, inquiries, and closed accounts on my credit report. This letter serves as notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, that I am disputing the following items : XXXX XXXX XXXX List of Disputed Accounts : XXXX XXXX / XXXX - Type : Collection - Issue : Reported inaccurately and unverifiable. 

XXXX XXXX / XXXX - Type : Charge-Off - Issue : Inaccurately reported as charged off. 

XXXX XXXX XXXXXXXX / XXXX - Type : Charge-Off - Issue : Inaccurately reported as charged off. 

XXXXXXXX XXXX XXXXXXXX / XXXX - Type : Charge-Off - Issue : Inaccurately reported as charged off. 

XXXXXXXX XXXX XXXX XXXXXXXX / XXXX - Type : Charge-Off - Issue : Inaccurately reported as charged off. 

XXXX XXXX XXXX / XXXX - Type : Charge-Off - Issue : Inaccurately reported as charged off. 


XXXX XXXX XXXX XXXXXXXX - Type : Closed Account - Issue : Misleading or inaccurate reporting of status. 

Under 15 U.S. Code 1681i ( a ), credit reporting agencies are required to : 1. Investigate disputes within 30 days of receipt.

2. Provide a written response including the outcome of their investigation and any changes made to the credit report.

3. Provide documentation used to verify the accuracy of the disputed information or remove unverifiable information from the report. 

Despite my previous attempts to resolve these inaccuracies directly with the credit reporting agencies, they have failed to comply with their obligations under the FCRA. As a result, I am escalating this matter to the CFPB for immediate assistance and enforcement action. Furthermore, I demand that the disputed accounts be removed from my credit report within 4 days of receipt of this letter to prevent further harm to my credit profile. 

Please find enclosed copies of my credit report with the disputed items highlighted, as well as any supporting documentation. If further information is needed, I can be reached at XXXX Thank you for your attention to this matter. I trust the CFPB will take the necessary steps to ensure compliance with federal law and resolve these disputes promptly. 

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

I as of late sent a question letter to XXXX, XXXX, and Experian on XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one of the other Department. The explanation I'm documenting this grievance against them is that Government Law expects them to react within 30 days yet they have neglected to react.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX, XXXX Acct # XXXX and XXXX XXXX XXXX Acct XXXX XXXX have violated my rights 15 U.S.C. 1681 Section 602 A states that I have a 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. 

I sent a dispute for accounts that were included in my divorce as well as copies of my divorce decree. There are also inaccuracies across credit bureaus. The accounts were not removed nor were they properly investigated. I asked for more information about the investigation process and what steps they took to confirm I was responsible for these accounts. I was just sent another letter saying the investigation was complete
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX fraudulently falsified documentation to put charges on a victim of identity fraud. I was the victim of identity fraud, and sometime around XXXX. 
A couple years ago ( XXXX ), I discovered that my identity was fraudulently used, and someone had opened and charged a credit card account under XXXX XXXX for an amount of {$550.00} ( actually, it appears someone had tried to open many accounts under various banks ). I contacted all the banks that the thief had attempted and/or succeeded to open accounts and warned the banks. When I contacted XXXX XXXX, they notified me that XXXX was the company that handled the account in dispute. Thus, I contacted XXXX, and I informed them of the situation. XXXX indicated that they needed my information so they may further send me the information for filing a complaint. Thus, I provided my address, and XXXX submitted the letter for me to file a complaint. Though, when I followed-up about the complaint weeks after, they indicated that they had my address all along. Though, if so, I would have received the charges ( which were done since XXXX ). Though, when I asked them what was my previous address or any information about the account, they would not provide, which should not be a secret since it supposedly was me. Thus, I suspect that the XXXX was as guilty in falsifying documents to align my actual information to theirs. 
A few months later ( XXXX XXXX, I submitted an official complaint of the stolen identity with the local police department ( XXXX, MD ). 
I notified the credit agencies, Experian, XXXX, and XXXX, and two of the three agencies record me at fault without any explanations : Experian  and XXXX. 
These companies did not perform their due diligence to ever confirm the identity fraud.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 we received a transfer of XXXX ( british pounds ) into our checking account at U.S. Bank. The transfer arrived between XXXX and XXXX Central time. 

The exchange rate from pounds to dollars on XX/XX/XXXX had a high of 1.3418 and a low of 1.3318. So we should have received between {$130000.00} and {$130000.00}. We received {$120000.00} or an exchange rate of about 1.2960. In our view, depending on the rate at actual exchange we are {$3500.00} to {$4500.00} short on this transaction.

So this equals a 2 % -3 % fee on top of the {$25.00} transaction fee that U.S. Bank charged us for this terrible exchange rate. 

I called the bank to complain and I was told that " the rates you see on financial websites aren't what you receive, those are what banks receive ''. I told this person that was not true as I exchange currency at other banks and venues within a few basis points of the exchange rate regularly. So they then explained that they don't actually exchange the currency, they use an intermediary bank and there is nothing that can be done. 

I submitted a complaint to the bank on XXXX via their website and someone responded on XXXX to say she would forward the complaint to the appropriate person but there was not guarantee I would receive a response and I never have. 

This exchange rate is borderline criminal.
Product: Vehicle loan or lease

Step 1 : What is this complaint about? Wrong information.

Step 2 : What type of problem are you having? Reporting wrong information to credit bureau.

Step 3 : What happened? They offered me to pay {$100.00} instead of $ XXXX  monthly in the pandemic period, and promised it wont affect my credit, but they reported as a late payment. 
Step 4 : What company is this complaint about? Bridgecrest Step 5 : Who are the people involved? If you look through your website over 500 people involved with this.

During the Pandemic, I lost my job. Meanwhile, I applied for unemployment, I called to the bridgecrest ( company for auto loan ) and explained my situation so they offered me the monthly plan XXXX {$100.00} per month XXXX instead of {$330.00}, which was lifesaving for me at the time. Before, I accepted the deal, had spoken to differ representatives several times and specifically asked them is this monthly plan would hurt my credit? And they said, '' no worries, as long as you pay on time, we wont report it. Unfortunately, 3 weeks ago, I found out that they reported as delinquent to the credit reporting bureaus, and my score dropped down 107 points!! I called them over 10 times and talked to the representatives and the customer relation departments but they didn't help me. I asked to talk to the manager or supervisor but they didnt connect me to them and promise me that one of the managers would call me but it never happened. Recorded call is existing for you to make sure it was bridgecrest companys mistake. This company mislead me by providing the wrong information and ruined my excellent credit score. During this pandemic, all other companies are helping customers but this company not only didn't help me, also made my life miserable. also attached bank statement and loan payments that you can see, I paid all previous payments on time and also paid {$100.00} on due dates.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure. 
4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since early XXXX I have been disputing inquiries from business agencies I do not recognize. I have contacted each business and they verified they had never received any online application or received personally any personal data from me at their local offices. I asked if it was possible to remove the unauthorized pull and they advised to reach out to credit bureau. I disputed through each credit bureau under section 607. Compliance procedures [ 15 U.S.C. 1681e ] and See also 16 CFR 698, App G-H 69 Fed XXXX XXXX. XXXX ( XX/XX/XXXX ) ( 2 ) Content of notice. The credit bureau only responded with the inquiries will remain for 24 months until deletion date. I have continuously sent dispute letters and they have not promptly responded within the law required time of 30 days. By law if they do not verify the information is accurate by evidence, then under the FCRA they must promptly delete inquiries.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention certain concerns regarding the information contained in my consumer credit report, as provided by Experian, XXXX and XXXX. As a consumer, I am keenly aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the importance of ensuring the accuracy, fairness, and privacy of my credit-related information. Under 15 USC 1681, Section 602a, there is a fundamental need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Furthermore, 15 USC 6801 underscores Congress 's policy that each financial institution has an ongoing obligation to respect the privacy of its consumers. I have recently become aware that [ XXXX XXXX XXXX ], a financial institution by definition, has reported certain information to your agency without obtaining my explicit consent as required by 15 USC 1681, Section 604a, Section 2. Additionally, I must assert my right to revoke any and all authorizations, whether verbal, nonverbal, written, implied, or otherwise, in accordance with 15 USC 6802 ( b ) ( c ). Moreover, it has come to my attention that the reported information includes adverse items, violating the statutory provision of 15 USC 1681 ( c ) ( a ) ( 5 ), which prohibits consumer reporting agencies from including certain items of information without proper authorization. I wish to emphasize that, as per 15 USC 1681s-2 ( A ) ( 1 ) ( a ), any information furnished to a consumer reporting agency must be accurate. Given the discrepancies I have identified, it is evident that there may be inaccuracies in the reported information, constituting a potential violation of the law. Furthermore, 15 USC 1681E mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of section 1681C and limit the furnishing of consumer reports to the purposes listed under section 1681B. I am concerned that the procedures in place may not be sufficient to meet these statutory requirements. In light of the aforementioned issues, I am formally disputing the accuracy of the information reported by [ XXXX XXXX XXXX ] and kindly request a thorough investigation into the matter. I have enclosed relevant documentation supporting my claim for your review. Please be advised that, under 12 CFR 1016.7, I am exercising my right to opt out of any adverse reporting services provided by [ XXXX XXXX XXXX ]. I trust that you will promptly investigate this matter and take the necessary steps to correct any inaccuracies in my credit report. Thank you for your prompt attention to this matter. I anticipate your cooperation and a swift resolution.