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

Delete Late payments from Santander from XX/XX/2022, XX/XX/2022, XX/XX/2022 your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C section 602 A states I have the right to privacy. 15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written consent/ instructions.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN INFORMATION SOLUTIONS , INC. Is reporting these fraud accounts on my credit report. XXXX XXXX, {$3500.00} XXXX, XXXX XXXX {$5700.00} XXXX XXXX XXXX {$14000.00} XXXX, Experian is violating FTC rights & my personal rights. I have made several attempts to dispute & correct this matter & Experian continues to ignore & disobey the law. Experian knows by law these companies have not legally verified that these fraud accounts belong to me. This fraud is causing a multitude of stress for my family & I & my future endeavors to use my credit. I have cancelled my membership with Experian, why should I pay {$30.00} a month & they don't seem to care about my life. 
Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX account number : XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX account number : XXXX has violated my rights. 15 u.s.c. 1681 section 602 ( a ) states that I have the right to privacy. And 15 u.s.c 1681 section 604 ( a ) section 2 further states a consumer reporting agency can not furnish an account without my written instructions. this is a violation and improper use of my credit report ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has not investigated or provided any dispute results in any of my dispute investigations. I have sent a dispute letter to Transunion on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and I have yet to receive any communication via US Mail. 

The FCRA states that when a consumer submits a written dispute about an item on their credit report, credit bureaus must conduct a reasonable investigation of the disputed debt. Transunion did not do this. 

I have attached all 3 letters to this compliant as well as the certified receipt showing that I mailed a letter to them and it was delivered and pick up by Transunion. So, Transunion can not state that they did not receive my dispute nor can they say I didn't submit the proper identification documents because I attached those as well. 

My consumer rights have been violated not once but three times. I understand that we are in a global pandemic and Transunion may be  short staff, that's why I had given Transunion a total of 45 days to investigate instead of the standard 30 days which is required by law.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts I listed below. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

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

, 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 15 U.S.C 1681c. ( a ) ( 5 ) selection states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 accurate.
Product: Credit reporting or other personal consumer reports

I just looked at my credit report, which made me quite depressed since I discovered items that your agency didn't double check to make sure were accurate, erroneous, and dubious. 

Everything on my credit report needs to be 100 % correct in order to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ) and 15 U.S. These accounts violate Code 1681i ( 5 ), which prohibits reporting that is not entirely accurate. Copies of all the letters are attached below.
Product: Payday loan, title loan, or personal loan

I have a home equity line of credit originally issued by Suntrust bank. XXXX XXXX  XXXX they offered me debt relief for covid. I took the covid relief they offered. Every three months I reapplied and was given relief.XXXX  XXXX  XXXX I was able to return to work so, I started paying the regular monthly installments. XXXX XXXX  XXXX, the bank became Truist bank. I received statements saying I was in arrears, spent the next 2 months trying to find out why, to no avail.Went to the local branch for guidance and was told I was in pre-forclosure. After many attempts to contact the foreclosure deep't, I decided to pay the arears. On XX/XX/XXXX, I paid XXXX dollars to the local branch.1 month later, they couldn't find my payment reflected anywhere in my account. Went to find out what happened and ran into XXXX XXXX, who is the regional supervisor for Truist and he put the wheels in motion.I was then informed by the branch manager, XXXX XXXX, that everything is suspended and they would let me know the outcome. checked back 1 month later and was told it was still suspended and to do nothing. XX/XX/XXXX I spoke to XXXX XXXX and was told that it still can't be found and I need to call the fofeclosure dep't and not to return to her branch, she will be out for 4 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Monday, XX/XX/year> I received a credit monitor alert for new account detected on Equifax Credit Report. XXXX, XX/XX/year> I signed into XXXX and logged into my account to review the most recent updated credit report and investigate the new account detected. 
Being a victim of fraud in recent months for fraudulent accounts opened in my name, I added security measures with all 3 credit reporting agencies to protect my credit files. I added the security freeze available as well as a the victim fraud alert. 
The new account detected is fraudulent. showing no hard inquiry, how can this account be added to my report, with the security measures in place. I called the company and had it closed. I demand that the fraudulent account, XXXX, be deleted off my credit file immediately, before I take further action.
Product: Debt collection

Notice of Violation of Rights Dear General Revenue Services, I am writing to formally address a serious concern regarding the collection practices employed by your agency. It has come to my attention that you have contacted many of my family members regarding a debt, which I believe is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, Section 805 ( b ) of the FDCPA prohibits debt collectors from communicating with third parties about a debt without my consent. The disclosure of my personal financial matters to others is not only inappropriate but also distressing for both me and my family. I request that you immediately cease any further communication with my family members or any other third parties regarding a debt. Additionally, I expect written confirmation that my request has been acknowledged and that your agency will comply with this demand going forward. Please be advised that I am keeping a record of all communications related to this matter and may consider further action if this violation continues. My wife, mother, XXXX of my sisters, XXXX of which is a XXXX, XXXX of my sisters in law, my brother in law, and my mother in law have all been excessively called and told there was a debt you were trying to collect from me. I have not received anything in writing regarding a debt. This is harassment. Thank you for your prompt attention to this issue. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Additional accounts have been added to my credit file but score hasnt changed. Since XXXX XXXX the following accounts were added : XXXX XXXX XXXX. Opened XXXX. XXXX XXXX {$20000.00}. 
XXXX XXXX. Opened XXXX. XXXX XXXX {$25000.00}. 
XXXX XXXX XXXX XXXX. Opened XXXX. XXXX XXXX {$10000.00}. 

These additions to my credit file have changed my total credit to {$120000.00}, lowered my utilization to 7 %, and my age of average accounts has changed yet Experians credit monitoring has not shown a change in my score.
Product: Mortgage

XXXX/XXXX/XXXX We purchased a home. Our loan was sold to Ocwen which changed to a predatory negative amortization loan. The loan amount was $ XXXX. On XXXX/XXXX/XXXX We received a predatory loan modification from Ocwen. At time we were thrilled. We thought we can save our home. Under TILA and Dodd Frank Act this is considered a predatory mortgage and is in direct violation. This is not a Qualified mortgage. We live in a large Metropolitan area not in a rural or underserved area. The servicer, Ocwen did not take into consideration our ability to repay. Ocwen imposed upon us unfair and deceptive tactics that violate the Dodd Frank Consumer Protection Act 78 FR 6408. I will upload all documents for your review. On page XXXX, # XXXX XXXX of the modification They have force placed insurance.Ocwen does not accurately disperse escrow funds. They charge excessive fees without any expolanation. What is scary is that even if I try to refy, as stated in the modification, Ocwen retains the right to foreclose on the property and change the terms of the balloon payment. This XXXX XXXX, I fell behind and asked for assistance. Ocwen gave us a forebearance plan. We have met every payment on time. We were required to pay down {$3000.00} before even being considered for a repayment plan. I made my XXXX payment on time. I revieved notice of that my foreclosure sale date scheduled on XXXX/XXXX/XXXX was moved to XXXX/XXXX/XXXX. I have tried to escalate my case. I was told by XXXX XXXX XXXX, Senior Manager of the Trustee for XXXX to file a complaint with the CFPB.gov. How could they put me in foreclosure when I have met every payment obligation?
Product: Credit reporting or other personal consumer reports

It is to my understanding that a credit inquiry is to remain on your CR for a maximum of 2 years, XXXX car dealerships have inquired on my credit in the year XXXX to my awareness, however they have a supposed removal date of XXXX & XX/XX/XXXX - how is this possible? 

Problem # XXXX : Mariners Finance " continues to get their inquiry " PASTED on my report, which was supposed to be removed in XX/XX/XXXX on a supposed inquiry in XXXX Why are these losers constantly poking around my report for?
Product: Credit reporting, credit repair services, or other personal consumer reports

Take notice, this letter details a bevy of inaccuracies on my credit report. Be aware that courts have proved that inaccurate payment history scales heavily on a consumers credit worthiness. The following inaccuracies are being furnished in regards to Comenity/Capital/XXXX Account XXXX XXXX , Date opened XX/XX/XXXX currently appearing on my XXXX, XXXX, and XXXX credit report. 

Missing balance data on : XXXX : XXXX, XXXX, XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX : XXXX, XXXX Inaccurate late payments on : XXXX : XX/XX/XXXX : XXXX No past due data on : XXXX : XX/XX/XXXX : XXXX Attached are supplemental documents including data from other credit bureaus detailing similar inaccuracies, leading me to believe this company is not taking the proper steps to ensure maximum accuracy of my credit report. If a natural person and/or an organization responds to this letter without remedying the consumer in accordance with the Fair Credit Reporting Act 15 USC 1681 ; you may be sued and face penalties. The remedy I am seeking is deletion of the inaccurate data. 

A financial institution such as Comenity/Capital/XXXX must provide a notice of negative information in writing to the consumer no later than 30 days after furnishing the negative information. The negative information notice can not be in a previous billing statement. I have not received such and I have reason to believe Comenity/CapitalXXXX is in violation of 1681s-2 ( 7 ) ( A ) ( i ) by not meeting this requirement.

Pursuant to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) financial institutions like Comenity/Capital/XXXX are prohibited from furnishing any information relating to a consumer if they have reasonable cause to believe that the information is incorrect. 

Notice, it is a fact, upon receipt of this claim Comenity/Capital/XXXX has reasonable cause to believe that the information is correct.

Notice, it is a fact, affiant is aware, pursuant to 15 U.S. Code 1681g, I, the consumer have the right to request a full file disclosure about the information within my consumer file which includes the sources of the information used to verify the information before it was procured onto the consumer report. This includes the dates, original payees, and amounts of any checks, identification of each person that procured my consumer report, including their address and telephone number of the persons, a record of all inquiries received by the agency during the 1 year period preceding my request in connection with the credit or insurance transactions not initiated by me, the consumer. I am currently requesting a full file disclosure. If any material is concealed from me that would otherwise be revealed in a court proceeding during the process of discovery it will be duly noted.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to Experian via USPS certified mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ), requesting an investigation into inaccurate items on my credit report, including a bankruptcy that is reporting with discrepancies. In my letter, I specifically requested the following information to understand how Experian verified the disputed items : The date Experian contacted the creditor or furnisher of the disputed items. 
The name of the individual who verified the disputed items. 
The method of communication used to verify the accuracy of the disputed items. 
Confirmation of whether the creditor or furnisher provided my Social Security number ( SSN ) and date of birth ( DOB ).

To ensure Experian could verify my identity, I included : A copy of my government-issued ID.

A copy of my Social Security card.

Proof of my current address.

Despite my efforts, Experian has failed to conduct an investigation or provide the requested information. To date, I have not received any response from Experian, which is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ).

The FCRA mandates that if a consumer disputes the completeness or accuracy of any item of information in their file, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. This reinvestigation must be completed within 30 days of receiving the dispute. Experians failure to respond or investigate my dispute constitutes a blatant violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started disputing my Bankruptcy on XX/XX/XXXX. At that time, none of the bureaus responded out or deleted the account. I sent another dispute on XX/XX/XXXX ; XX/XX/XXXX and again today XX/XX/XXXX. During this timeframe, the bureaus have never sent me anything of them validating the bankruptcy nor have they deleted it from my personal credit report!
Product: Credit card or prepaid card

The credit card account was agreed by myself and US Bank to be placed into a hardship status repayment plan. The agreement to participate in the Hardship Program requires that my bank account have the monthly payment automatically taken directly from my checking account which has been transpiring since XX/XX/2019. During the initial onset of COVID-19 I did request a one time payment forbearance. 
My compliant is that US Bank, did not inform me a payment made after the XXXX would be reported to the Credit bureaus as payment made late. I asked that the payment be taken from my checking account on the XXXX of each month however my bank statements all reflect US Bank went to my account later than the XXXX of each month and reported to the credit bureau payment made, but anywhere to 3 to 5 days late. 
I've called and discussed my concern about how my payment was being reported late to the credit bureaus with regards US Bank hardship program. I did in fact change the automatic debit payment to the 15 of each month and my bank statement reflects US Bank didn't go to my account until the XXXX of this month. US Bank has not provided written documentation that US Bank is now going to my checking account on XXXX of each month. I also asked US Bank for written documentation of the current account status in terms of what the current balance is and that payments history and US Bank has not provided the requested information. The request for account status written documentation is needed for verification of security clearance for a government XXXX job position I'm currently moving forward to obtain.
Product: Consumer Loan

I never applied for a credit line, nor did I see anything while signing up for regular PayPal warning me I was signing up for PayPal Credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account rights have been violated sections 602 states that have the right to privacy my account was furnish with out my written instructions creditors has charged my open end account with late payments
Product: Credit reporting or other personal consumer reports

the company didn't provide me with information and didn't fix the problem since XX/XX/year> I still have this problem on my credit report that's giving me a hardship still. I filed multiple dispute and still have the same problem 15 USC 1681i- procedure in case of dispute accuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

Dont recognize/ old sold vehicle 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 sent a letter to the bureaus requesting they conduct an investigation into some accounts on my credit report because they are not correct. It has been more than 30 days and they have not corrected, updated, or deleted anything and the have not sent me the results of their investigation. I am demanding they remove these accounts from my reports immediately for failure to comply with the FCRA and conducting a reasonable investigation in 30 days.