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

I have been a customer with Santander since XX/XX/2018. At which time I was not advised of the upside loan agreement and after several months I become disabled and I notified the company multiple times advising of my separation from work, consistent hospital admissions and XXXX. I offered to setup payment arrangements and I continued to have my late payments reported to the credit bureaus and was threatened to have my vehicle repossessed. I'm unable to refinance due to the high interest rate and the balance, although I made payments I was told those payments were applied to the interest and the principle balance. When I was by Covid19 I notified Santander and was advised assistance would be provided and that agreement never took place again attacking and damaging my credit score. I was notified in regards to the lawsuit against Santander and contacted Santander and I was advised that information was in accurate. The Truth and Lending Act clearly shows Santander manipulate low income families and refuse to accept responsibility. I'm in desperate need of help at this time with resolving this issue. I have contacted my Attorney General and as of now they were unable to assist. I was advised to review the website https : XXXX? XXXX In regards to updated information, and at this time I'm unable to make payments which continues to affect my credit score.
Product: Credit reporting or other personal consumer reports

I am sending my CFPB complaint today to inform you that I am a victim of fraudulent activities. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following items that needs to be remove in my credit file right away : XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XX/XX/year>. ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> ; XXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number was use to co-sign loan without my authorization. When loan was taken out I was XXXX XXXX in military station in XXXX on XXXX. I contacted loan company and fill out forgery form and no action was taken about it. I filled out identity theft report on FTC. Please remove from credit report because this is fraudulent. Any more information that is need please reach out
Product: Debt collection

Resurgent ( LVNV ) is contacting my cell phone repeatedly without leaving a message and using different phone numbers to collect a debt. They should not be calling my cell phone to collect a debt. I tried to tell the lady to stop calling me but she disconnected so i was not able to tell her personally but she called on my home phone for this call. I want the calls to stop on my cell phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two hard inquiries on my account less than 30 days apart from the same company and this is affecting my score. This is shown multiple times but it was a one-time authorization check.
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have knowledge of the Fair Credit Reporting Act and understand that this company has a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Please correct this account : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
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 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 XXXXXXXX XXXX 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 no longer contains 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 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 XXXX XXXX XXXX 
XXXX Inquiries : XXXX XX/XX/year>
Product: Checking or savings account

My saving account was hacked yesterday. I had a security problem was XX/XX/year> which I filed a compliant. ( XXXX ) I spoke to XXXX this XXXX about the matter. This problem did not improve.
Product: Mortgage

I have been in contact with AmeriSave Mortgage Lender and they're doing fraudulent moves. They're trying to charge me {$500.00} to lock me in a rate, actually they say I can pick my rate which it doesn't make much sense. They had a lawsuit before becuase of this and they continue to do it. It was strange to me and thankfully I researched a little before making any payment. But I'm concerned that I provided my personal information such as social security.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi On XX/XX/2020 I have submitted a dispute against the credit bureaus to eliminate some erroneous accounts in my credit report, but so far I have not received any responses from them. I have sent letters month after month since XXXX and I still haven't received any responses. I need help to know the status of my disputes. 

I enclose the first round of letters sent to the bureaus.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally address the failure of [ Company Name ( s ) ] to comply with federal requirements regarding my dispute submitted via the Consumer Financial Protection Bureau ( CFPB ). Specifically, the companies failed to provide a resolution within the 30-day period required by law under the Fair Credit Reporting Act ( FCRA ). Additionally, I have not received the title to my vehicle or the requested 1099-C documentation for the charged-off account in question. 

Disputed Account Details Account Name : XXXXXXXX XXXX XXXX XXXX  Date Listed : XXXX XXXX, XXXX  Under 15 USC 1681s-2, creditors must ensure accurate and verifiable reporting of information. The reporting of this account with an inaccurate balance is a direct violation of this law, particularly if a 1099-C form was issued. Per XXXX XXXX XXXX XXXX XXXX, the issuance of a 1099-C form constitutes an identifiable event of debt cancellation under IRS guidelines , specifically Event XXXX XXXX which defines debt discharge due to the creditor ceasing collection activities and canceling the debt.

My Requests Provide the 1099-C Form : If issued, I request a copy of the form to confirm the identifiable event of debt cancellation. 

Verify the Balance : Submit documentation proving the accuracy and collectibility of the reported balance. 

Delete the Account : If the debt has been discharged or can not be verified, remove this negative information from my credit report immediately. 
Issue the Vehicles XXXX ( XXXX XXXX ) : As the debt has been charged off and effectively canceled, I request the immediate release of the vehicles title. 

Failure to Respond The companies have failed to meet the 30-day investigation period mandated under 15 USC 1681i ( a ) ( 1 ). This failure constitutes non-compliance with federal law. Furthermore, I have not received any communication regarding the resolution of this matter, nor have I received the requested documents or my vehicle title.

Next Steps If these issues are not addressed immediately, I will escalate this matter further by filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

I expect written confirmation of the resolution of this matter within 15 days. 

Thank you for your immediate attention to this urgent matter. 

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

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : N/A Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 or 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

I have made several attempts writing the consumer reporting agency about numerous errors being reported on my report. 
SEE ATTACHMENT
Product: Checking or savings account

This midXX/XX/2019, I was alerted by a phone call from a debt collector who told me that I had a delinquent account with Huntington, National Bank. I do not now, nor have I ever banked with Huntington, National Bank. However, an account has been opened in my name with Huntington. It should be noted that Huntington is a mid-western bank, but I live in South Florida with no connection to the Mid-west, whatsoever. Immediately, I called them and spoke with a representative of Huntingtons fraud and recovery division. I was and am highly concerned because I'd previously placed a fraud alert with the credit agencies. I know that this type of alert requires banks to obtain identity verification by a heightened standard of due diligence, which generally requires them to make verbal contact. However, no one from Huntington contacted me when they opened this fraudulent account. 

On XX/XX/2019, I received a packet ostensibly from Huntington via United States Postal Service. Inside the packet was an unsigned letter from Huntingtons fraud and recovery division requesting a copy of a police report, a utility bill, and a copy of my personal government issued identification, as well as an uncompleted form entitled identity theft affidavit. I made an appointment and met with the XXXX XXXX Police Department to file a complaint on XX/XX/2019. The complaint was taken by Officer XXXX XXXX who issued me complaint number XXXX and informed me that formal reports are not attempted until a complaint is taken and a preliminary investigation is conducted. This caused me more concern, because Huntingtons letter demanded a copy of a police report issued, which I have no way of acquiring at this time. 

Additionally, Im very concerned about supplying this bank, which has already opened a fraudulent account in my name despite a fraud alert, with a copy of my personal information such as my drivers license and a utility bill. Ive read about the unscrupulous fraudulent account practices of XXXX XXXX and other banks in the news. I should note that Huntington 's letter requested that I include the fraudulent account number on the identity theft affidavit, which I'd have had no conceivable way of knowing. When I subsequently called Huntington to request the account number, they refused me and suggested I stop by one of their branches. Again, all of their branches are in the mid-west and I live in South Florida ( and they were informed of this ). 

Then yesterday, XX/XX/2019, I received a bill for this fraudulent account, which so happened to include the fraudulent account number that Huntington previously refused to supply me. Please find included with this complaint ( If I am able to attach it ), a copy of my police complaint number, as well as the letter, affidavit, and bill from Huntington. I am resolute in pressing this matter as a formal complaint against Huntington, National Bank. 

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

Despite two written requests, the unverified items listed still remain on my credit report in violation of Federal Law. it is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, it was stated in writing that they verified that these items are being reported correctly? 
Who verified these accounts? 
They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 

ACCOUNTS : XXXX  ( XXXX & Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX
Product: Mortgage

Shellpoint has denied my request to modify my mortgage claiming non receipt of requested documents, and also responded to a previous complaint to cfpb that I did not supply docs. Not true, all faxed and mailed multiple times. I refaxed and mailed XXXX pages yesterday again!. Included were multiple letters from them acknowledging receip of requested docs
Product: Credit reporting, credit repair services, or other personal consumer reports

Procollect , INC is reporting on my XXXX and XXXX credit reports. This account does not belong to me. I have tried several times sending in my FTC report. Please send to these companies ASAP this account does not belong to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

For two days, I have been trying to upload requested documentation to place a security freeze on my credit report through Experian after my identity was stolen. The website continues to say that it is unable to upload documents ( despite that there are only three documents and clock in at under 1 MB collectively ) and I need to mail them in ... which not only will significantly delay the application of the freeze, but will also subject me to additional security issues since what I need to submit is sensitive information that, if stolen, could lead to additional identity theft. I've also tried to call two different numbers over the past two days and can never get a live person. I end up in an automated voiced loop that does not provide any assistance. I placed a freeze with the other two credit bureaus with no problems, dealing with both online as well as talking to someone live.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit card accounts, collection account, public record, and hard inquiries currently listed on my XXXX and Equifax credit report, are fraudulent and unauthorized accounts and credit inquiries and not my public record : XXXX XXXX XXXX  : XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX Collection Account, balance : {$5600.00}, bankruptcy discharged XXXX XXXX  discharged, U.S. Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX, XXXX, Date of Inquiry : XX/XX/XXXX
Product: Checking or savings account

I made a check for {$70.00} to pay   XXXX   on  XXXX   XXXX ,  XXXX . I noticed on  XXXX   XXXX ,  XXXX  the check for {$5700.00} being paid from my account. The check was altered and made  Payable  to  XXXX   XXXX  along with amount of {$5700.00} and not the {$70.00}. I contacted the Bank of the West branch  manager   XXXX   XXXX  about the problem. He said he would handle it.   I was also the victim of another altered check at the same time period from another bank and I was credited for that amount in a couple of weeks. That other check was also altered and Made payable to  XXXX   XXXX  for {$5800.00} and I had made it to the city of long beach for {$500.00}.   I insisted with  XXXX   XXXX  my branch  manager  for months after and said he was checking on it ...  XXXX  of  XXXX  came and he informed me that the bank was not going to credit me
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America Missouri is being reported on to the file that your company maintains up under my personal file with accounts ending in XXXX and XXXX and. I have never had an account with Bank of America. The document with the electronic signature does not belong to me and its not my signature. I've also asked that you provide Driver license or anything that was used when the person acting as me entered the bank. An electronic signature look as though it was obtained thru an online portal which I did not authorize or take part in. This account is a direct result of identity theft and I am requesting that it be removed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Product: Credit reporting or other personal consumer reports

I did not authorize this inquiry XXXX XXXX XXXX XXXX XXXX XX/XX/year>2025 2025
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate removal of inaccurate charge-off reporting from my credit profile by TransUnion LLC XXXX I firmly believe that this reporting is in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly under 15 USC 1681b.

I have recently reviewed my credit report obtained from TransUnion and have identified inaccuracies related to charge-off accounts. This misinformation is severely detrimental to my creditworthiness and financial standing. I insist on the swift removal of these inaccuracies, as required by the FCRA. 

I demand that you take immediate action to remove these inaccuracies from my credit profile. Delays or further investigations are unacceptable in this matter.