23daVinci/CFPB_Complaints huggingface dataset:
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 account without my written instructions
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

XX/XX/2020, XX/XX/2020, XX/XX/2020 dates I have tried to contact this company to request a 90 day forbearance or assistance due because of Covid19 I loss employment and am waiting for my the State of Georgia to catch up with it's backlog for unemployment payments and applying for as many positions that I show well qualified for. 

However I have attempted to contact Santander via phone, chat and their message portal. When I reach a representative they can not help me because the way they have coded my account no one can see my account. 

This was the other reasoning behind my last complaint. I am not in an active bankruptcy. Santander has never been listed in any bankruptcy for me. Until XX/XX/2020 I have made the majority of my payments prior to the due date. If I were under a bankruptcy making consistent direct payments to your creditor would nullify the bankruptcy. 

I can not be considered for any assistance because no one can see my account information to make a determination. 

This is ironic. My complaint is that my creditor 's customer service department will not talk to me. Since they can not talk to me to discuss my loan options they are denying me any options. 

Their chat now tells me to contact customer service. When I contact customer service they say they can not access any information on my account other than to transfer me to another department. When they transfer me I get someone in the legal department who does not have access to the information on my account, they do not have the information regarding my options and they are not authorized to negotiate and make a determination regarding those options.
Product: Credit reporting, credit repair services, or other personal consumer reports

Texas XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing Ally Financial Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New XXXX XXXXXXXX Inquiry from XXXXXXXX XXXXXXXX, XXXX + XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Utilities XXXX XXXX, XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXXXXXX XXXX - XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXXXXXX XXXX XXXX XXXX. 
XXXX - XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Utilities XXXX  XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXXXXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX - Card Service Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX. 
XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks all ftc violations sent to them 60 days ago
Product: Debt collection

Re : Notice of Default - Right to Cure dated XX/XX/2020 Please be advised this notice/action is being disputed. This serves as written notification to Select Portfolio Servicing, Inc. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX None the previous correspondence has been sufficiently answered. SPS actions, are unwarranted, unwanted and continue to be erroneous and suspicious of fraudulent activity. 

As the attached document will indicate, there remains numerous inconsistencies and concerns with both the actions of XXXX ( XXXX ) and Select Portfolio Servicing, Inc. ( SPSs ) continued and past unscrupulous actions which continues to perpetuate deceit, fraud and corruption on the behalf of XXXX and SPS. Based on this information, as Fiduciary of the Estate of Demoin XXXX XXXX, I deny any and all claims by XXXX and/or SPS or affiliates and/or associates for any debts claimed by these untrustworthy entities. ( including but not limited to, XXXX, SPS, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, etc. ). See attached. 

1. Provide a full and detailed accounting of this alleged account. 
2. Provide any and all inspections conducted on misidentified property in the last 12 months with reason why they are being conducted.

3. Explain the legal description contained in alleged security instrument and explain how it differs from the property SPS continues to fraudulently inspect and erroneously pretend to service. SPS has been repeated told the legal description noted in the security instrument is not the legal description of XXXX XXXX XXXX XXXX. They refuse to research and provide legitimate response.
Product: Debt collection

XXXX XXXX and XXXX are allowing companies disguised as debt collectors threatening with letters made up to look like court documents after attempts to tell them that they should not contact me. This is affecting my opportunities to fair credit
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I had a credit card for more than ten years with XXXX XXXX XXXXXXXX. We had credit ratings of the mid XXXX and a credit line of {$30000.00}. We paid our full balance every month, on time. My husband passed away, so I closed that account and opened one in my name. My income is about half of what our dual income was, I have no mortgage, rent, or car payments, and my personal credit score was XXXX. I was given only a {$5000.00} credit line on my new card, and my credit score began to plunge. I used over half of that available credit in the first month, again, paying off the entire balance on time. However, my score continues to plunge. The excuse is that I used over half of the available credit! Is this some kind of Catch 22, or a scam? They give me an insultingly low credit line- totally disregarding my history with this institution- and then ding me for using too much of it?!!! I took out a second credit card with XXXX XXXX, and they only gave me {$3000.00} credit line. My total credit line is less than one-third of what we had previously and I am very upset over this, as my nearly-perfect credit score continues to plunge.
Product: Credit reporting or other personal consumer reports

I have been disputing items on my credit file for over 6 months now and have not got a solution. The CREDIT BUREAU, does not acknowledge the government issued identity theft report I sent in over 3 times for the same accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DOES BUSINESS UNDER NAME XXXX XXXX XXXX and this company will put debt on credit file after its been deleted under the opposite business name THIS CREDIT BUREAU has allowed this company to continually report to my credit report after I have informed them that this is not my item and it is identity theft. THIS CREDIT BUREAU HAS VIOLATED MY RIGHT FCRA USC 1681. 
THIS CREDIT BUREAU has not acknowledged my request to block these creditors, after repeated demands. 
THIS CREDIT BUREAU HAS VIOLATED MY RIGHTS ACCORDING TO FCRA, allowing knowingly false information to be tied to my credit file THIS CREDIT BUREAU DID NOT INVESTIGATE PROPERLY ONLY TOOK 2 days for dispute to complete
Product: Debt collection

Three problems : ( 1 ) The company has repeatedly threatened to inform credit agencies of my delinquency. Although this is stated in their policies, ... 

( 2 ) ... They demand more than 50 % of income is paid per month towards my student loan debt. I consistently request with phone calls and in-account secure messages to accomodate my income and adjust my payments to at most 40 % of my income ( I request approximately 400-500 USD per month at maximum and this is roughly that ). I also had requested deferment because of the coronavirus a few months ago in XXXX 2020, but they had rejected my request - even though they have a coronavirus relief program - because I was in delinquency. They consistently give me only short-term solutions for a few months at a time, but the payments then are raised even further because of interest after the short-term help is finished, despite the fact that my income hasn't improved. 

( 3 ) I requested a student deferment and they rejected my application stating that my university isn't accredited. I gave them the webpage profile on the Department of Education website verifying that my university is accredited. And now I must pay back the almost 800 USD in student loan debt per month in addition to my roughly 200 USD per month for my course assessments in my XXXX   program? ( I'm a XXXX. ) It's not that I don't pay anything. I often pay back as much as I am capable every month so I don't starve or can't pay for basic necessities.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown information that have been put on my credit report. It is nearing 60 days and I have not received a response yet. It seems as though I am being taking advantage of and that my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to remove those items from my credit report, we are approaching 60 days. I would like for like for you to delete these items promptly or I will be filing litigation because of the stress you have caused me. My information was also compromised by the Equifax data breach which has also have me worried and stressed out.
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX XXXX XXXX, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX and XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX XXXX  from my JP Morgan Chase account to fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

I called Equitax to file a dispute on Friday, XX/XX/year>. I dialed ( XXXX ) XXXX on or around XXXX XXXX  XXXX. The XXXX indicated Equifax was closed. However, the XXXX, including Equifax 's website, both indicate hours of operation are XXXX XXXX ( XXXX ) XXXX. I did, in fact, called before XXXX XXXX  ( ET ). Moreover, XX/XX/year>, was not a holiday. The XXXX then disconnected on me because Equifax was closed. This is misrepresentation of hours of operation. This fraudulent misrepresentation prohibited me from filing a valid dispute telephonically. I seek to hold Equifax accountable and will also submit a valid complaint with the XXXX  and FTC. Please sanction Equifax.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy 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.

To following information on my credit report is the result of identity theft and should be blocked : 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 no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION 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 others bureaus I don't 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 I 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: Debt collection

XXXX XXXX is reporting this account negatively on my XXXX and Transunion Credit consumer file. I reported this account to the Federal Trade Commission on XX/XX/2021 and this account is currently reporting still on my file. This account was listed XXXX different times and they have only removed on of them so far. XXXX accounts remain. 

Under XXXX XXXX Code XXXX permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this account on my credit report? No I NEVER GAVE CONSENT Furthermore, the FAIR CREDIT REPORTING ACT XXXX XXXX ( XXXX ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS- Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include -- - ( A ) Subject to section XXXX of this title, any -- -- -- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; Delete the above account from my consumer report, this agency is in violation ... ... ... ... of XXXX XXXX XXXX. 

I will be seeking damages against Transunion in the amount of {$1000.00} per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of XXXX XXXX XXXX. XXXX XXXX Collections Practices XXXX XXXX XXXX XXXX XXXX violations XXXX. Fair Credit Reporting Act XXXX XXXX XXXX violations for willful XXXX. Civil liability for willful noncompliance [ XXXX XXXX. XXXX ]
Product: Mortgage

I have a loans that originated through XXXX which XXXX XXXX XXXX later had Greentree Servicing to service. I have requested a XXXX and Greentree just keeps giving me the run around. This form is needed by another entity to assist with my mortgage payments. Greentree is only capable of calling about the money past due not giving me the form which will allow my mortgage to be paid.
Product: Checking or savings account

so I tried to change my XXXX  number to my ssn. I was recently provided with ssn so I called them and told them about. they locked my account right away .now I don't have access to my funds I spoke with them they told me to fill out some forms and it will take 10 business day mean time I don't have any funds for food or any gas money I tried to tell them they can't do anything so my money is locked and I am so frustrated I will never bank with them again capitol one. they want me to sign w9 for but print it and mail it who has printer now days besides that it will take 10 business day that is insane
Product: Debt collection

I submitted a dispute to Equifax on XX/XX/2024 ( Dispute ID : XXXX ), requesting verification of inaccuracies on my credit report. Equifax failed to respond by the legally mandated XXXX deadline of XX/XX/2024, as required by the Fair Credit Reporting Act ( FCRA ). 

Despite follow-up letters sent on XX/XX/2024, and a final demand letter sent on XX/XX/2024, Equifax did not address my dispute until XX/XX/2024, via the CFPB portal . This response does not comply with FCRA requirements, as it was untimely and failed to provide direct communication as I explicitly requested. 

Retention of Unverifiable Items : Equifax continues to report the following inaccurate and unverifiable accounts and inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Hard Inquiries Not Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violations : Missed XXXX Deadline : Equifax failed to meet the required response deadline of XX/XX/2024, violating FCRA 611 ( a ) ( 1 ) ( A ).

Failure to Verify or Provide Documentation : Equifax did not supply the required method of verification or supporting documentation directly from original creditors, violating FCRA 611 ( a ) ( 7 ) and 609 ( a ).

Retention of Unverifiable Items : Despite failing to verify these items, Equifax continues to report them on my credit report.

Failure to Communicate Properly : Equifax did not send communications through certified mail as explicitly requested in my dispute letters and relied solely on the CFPB portal.

Impact of Equifaxs Non-Compliance : Equifaxs failure to act has caused : Credit Score Damage : A drop of XXXX points. 
Financial Harm : Higher loan costs and credit denials. 
Emotional Distress : XXXX and stress from unresolved inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting that I am ( 120 ) days late on the DEPTEDXXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report along with a copy of my Drivers License for identification purposes to investigate this complaint. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Debt collection

Found a charge off on my credit report from Allied Interstate LLC. Sent a certified letter on XXXX XXXX and it was signed for on XXXX XXXX. In this letter, I I formally disputed this account and I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. I receieved no response at all, nor did they mark the account disputed per the latest credit report from experian. I sent a follow up letter even though they had already broken the law on XXXX XXXX and it was signed for on XXXX XXXX with still no response
Product: Credit reporting or other personal consumer reports

I dont recognize any of the hard inquiries on my credit report only recent ones i know of is for XXXX  on and for XXXX XXXX XXXX in. The last week, also a dismissed chapter XXXX bk from Illinois that isnt suppose to be on because never finished and reported incorrectly
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian, XXXX and XXXX will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX XXXX  Account Number : XXXX The Date Last Active for this account on XXXX XXXX XXXX Date Last Active for this account on Experian is XX/XX/XXXX. The Date Last Active for this account on Experian is XX/XX/XXXX. This account isn't reporting at all on XXXX. This account is reporting in collections since XX/XX/XXXX on Experian. This account is also reporting good payment history from XX/XX/XXXX to XX/XX/XXXX on XXXX. Then XXXX months XXXX past due on XXXX, XXXX XXXX XXXX Then good payment XXXX XXXX XXXX followed by XXXX past due for 4 months on XXXX again XXXX This is inaccurate history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. XXXX, XXXX and Experian failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXX XXXX  Account Number : XXXX