23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries and I know that they are a result of identity theft. I am requesting that these inquiries be investigated and removed from my credit report as soon as possible. To support my identity theft dispute, I have placed the following documents inside my dispute : A copy of my driver 's license and my ssn card. And copy of my identity theft report number ( XXXX ). Please confirm in writing that these unauthorized inquiries have been removed from my credit report. I also request that you provide me with a free copy of my updated credit report when the disputed items have been resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported a collection to Experian in XXXX for a debt from XXXX. They waited 10 years to even report it to Experian and Experian still has not removed it from my report. The only thing that Experian states every time I dispute this account is that the collection agency said it is accurate. They dont explain why its acceptable that the collection agency was allowed to wait 10 years to report it or why its acceptable that its still on my credit report when the debt is 15 years old. They provide no documentation verifying the accuracy. Ive made 4 disputes through Experian and also called them to explain the situation. Today, Ive called 10 times. They kept transferring me and disconnecting me. I spent several hours on the phone.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint to bring attention to Santander Consumer USAs willful violations of the Fair Credit Reporting Act ( FCRA ) and to request your assistance in enforcing corrective action. Despite multiple efforts to resolve this matter, Santander has not only failed to comply with FCRA regulations but has also caused substantial harm to my credit profile and financial well-being. 

Background of the Issue : The account in question ( Account # ending in XXXX ) was initially settled in full through : An insurance payout resulting from a car accident. 
A settlement agreement for the remaining {$420.00} balance, which {$180.00} was paid as agreed to close out the account.

However, Santander Consumer USA reported this account as OPEN/60 DAYS PAST DUE for an extended period and included multiple false late payments on my credit report. These inaccuracies violate FCRA provisions, including the duty to report accurate information ( 15 USC 1681s-2 ).

Santanders Response and Ongoing Violations : In a letter dated XX/XX/year>, Santander admitted to discrepancies in the reported amounts. Despite acknowledging the original finance amount of {$14000.00} ( not {$16000.00} as reported ) and providing documents supporting my claims, they failed to address the critical issue : They refused to delete the account entirely, even though the inaccurate reporting caused significant harm to me as a consumer. 
The late payments, which were based on inaccurate balances and mismanagement of billing, continue to impact my credit report negatively. 

Specific FCRA Violations : 15 USC 1681s-2 ( a ) : Duty of Furnishers to Provide Accurate Information Santander knowingly reported inaccurate information, including false balances, past-due statuses, and late payments.

15 USC 1681s-2 ( b ) : Duty of Furnishers to Correct and Update Information Even after being notified of these inaccuracies, Santander failed to promptly and fully correct the account, leaving damaging and false information on my credit report.

15 USC 1666 : Billing Errors and Late Payment Protections Santander reported late payments without providing evidence of timely delivery of billing statements, a direct violation of Section 1666.

Class-Action Precedent Santanders history of willful non-compliance with consumer protection laws further demonstrates a pattern of negligence that directly harmed me. 
Harm and Impact : Santanders reporting practices have caused me : Financial harm : Reduced credit scores leading to higher interest rates and credit denials. 
Emotional distress : Ongoing frustration and stress from fighting to have my rights upheld.
Product: Debt collection

XXXX on my credit report with XXXX and XXXX and XXXX XXXX XXXX  they sold the account please send profof that the account is mine or belong to someone else.
Product: Student loan

I have being doing tons of research on schools that commit loan fraud by way of predatory lending, misleading information about loans, inflating graduation success numbers, the inability for credits to transfer, students unable to find a job in their field ... etc. The same thing that happened with XXXX, and XXXX happened with the Art Institutes. The figures and interest rates for these loans are so ridiculously high, and somehow, my low income family was able to easily obtain these loans without it being explained to us. I have XXXX Private student loans. Some with interest rates as high as 14.5 % to the tune of {$120000.00}. The balance increases every day. I also have around XXXX Federal loans, for around {$60000.00}. My mom, ( my co-signer ) also found out that she has another loan, in her name for {$30000.00} ... when she was supposed to be my cosigner. She and I were lead to believe that we were signing papers each quarter to release the funds from our loans to the school. We did not realize that each time we were signing up for a new loan. XXXX students that attended the Art Institutes are going through the same thing. At first, I was trying to stay on top of these loans. I signed up with automatic debit, and was paying every month. I lost my job last year when my fiance and I had to move from XXXX XXXX to XXXX XXXX because he was transferred at his job. When I was unable to pay, the harassing calls became hourly, every day. In the past few months I have been headed towards default, and the calls became soul crushing. XXXX would not only harass me constantly, but they would insult me as well. They would tell me I was n't a good designer, and that 's why I could n't find work, they would tell me I was lazy and irresponsible, and treat me with complete disrespect. Just recently, I had a supervisor on the phone from XXXX, and he was trying to contact my mother because I was about to go into default. I said she could n't be reached because she was at work and could n't be disturbed. Not only that, but she was in the same place as I was, living paycheck to paycheck and could not help me with these loans ... they wanted around {$1000.00} a month. When I said again, that I did not give them permission to contact her, he put me on hold saying he was going to get another supervisor. When we finished the call I had a voicemail from my Grandmother, saying that they contacted her looking for my mother and asking for her information! My grandmother is in no way affiliated with my loans. She is not my co-signer or even my co-signers mother. This has gotten to a point where it is affecting my XXXX health. I understand that I have to pay for school. But what I do n't understand, is how it could possibly be so much. I went through my paperwork from the financial aid office and found out I had around {$20000.00} in grant and scholarship money, but I can not for the life of me find out where it was applied. I graduated in 2011. I understand I have high interest rates, but what I do n't understand is how {$20000.00} plus {$120000.00}, plus {$60000.00}, plus {$30000.00} equals 4 years at college.
Product: Credit reporting or other personal consumer reports

Dear Equifax I am writing to formally request debt validation in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I recently received a communication regarding an alleged debt, and before I take any action, I need verification that you have the legal right to collect on this debt. For : - [ ] XXXX XXXX XXXX XXXX XXXX - [ ] XXXX XXXX - [ ] XX/XX/XXXXXXXX To properly validate this debt, I am requesting the following information : 1. Proof that I owe the debt, including a signed agreement or contract that legally establishes my obligation to pay.

2. A full itemized accounting of the alleged debt, including the principal, interest, fees, and any other charges.

3. A copy of the original creditors agreement, stating that they have the right to assign or sell this debt to a third party.

4. The complete chain of assignment contracts, including all sale or transfer agreements, showing a clear history from the original creditor to your agency.

5. Your agencys authority to collect, including any relevant licenses and proof that you are legally permitted to collect in my state.

Until I receive this information, I do not acknowledge any obligation to this debt, nor will I make any payments. Additionally, I request that all further communication be in writing only.If you can not provide the requested documentation, I request that you cease all collection efforts and remove any negative information reported to credit bureaus regarding this alleged debt.Please consider this letter a formal dispute of the debt and a request for validation. I expect your written response within 30 days of your receipt of this letter, as required by law
Product: Checking or savings account

I had been a customer at Bank of America for approximately 15 years. In recent years, I had not accessed my account much. I have come to discover that my account was closed in XX/XX/XXXX. I was told that the bank began charging $ XXXX  monthly maintenance fees in XXXX. I attempted to access my account during that time, but was working abroad and had trouble when I needed customer support. At the time Bank of America began charging me fees, I had made no changes to my account. I don't know what happened that the bank started charging those fees ( after years of not charging them. ) Now that I am in the XXXX, I have been able to access customer service. I've been told that there is no one who can authorize returning those fees to me. I was also told that it might have been possible to recover the fees if the account was open, but they offer no way of reopening the account after they force-closed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Target Card that shows delinquent on my credit report has been disputed with Target, as my deceased mother was the card holder. I provided my mother 's death certificate, she died XX/XX/XXXX, I later found out it was a {$20.00} outstanding credit card balance. I emailed and faxed Target and no resolution. I also disputed through the ( 3 ) credit agencies. In XX/XX/XXXX after resolving all my mother affairs. Email below. I also, have fax confirmations at home in files. I request this be deleted off my report or showed as paid on time. 

From : XXXX Date : XX/XX/XXXX at XXXX XXXX  PST To : XXXX Subject : Death of Credit Holder and Process for Closing Accounts Hello- It is very unfortunate that I am now angrily typing this email after spending 40 mins of my lunch hour on the phone with Card Services for the 3rd time in the past few months. I have spent 3 separate days and hours trying to resolve a simple request. Please email me your policy for the subject line in this email. Once I receive this I will send you my complaint and all pertinent information. I only asked that my mothers account be closed after her untimely death on XX/XX/XXXX. I then called and asked that I be removed today since Target continues to report derogatory missed payments to the three credit agencies. I spent 40 mins on the call with a person who could not understand my request, she continued to say she was getting her supervisor per my request and never did, as I have both names. As I also partly recorded the call. I asked what was the balance because I recall paying the balance in full myself after my mother 's passing. It was only {$20.00} which she stated I was responsible for, though I am not because I am not executor of her estate as she had none and I conveyed this when account was closed. Also, I know my rights, as I work in Contracts. When I closed the account, Target was the only creditor of hers who never asked for me to fax a death certificate. Now, she is requesting one today and telling me my credit reporting can not be reported correctly because they never received a death certificate, then why was the account closed under my moms name? 

Please send me the policy. I will follow-up with names, Death Certificate, Proof of missed payment credit reporting, etc. 

Sincerely, a customer not satisfied.
Product: Mortgage

I have made multiple attempts to obtain information from Ocwen Loan Servicing, llc, the Servicer of Deed of Trust # XXXX XXXX recorded in XXXX XXXX XXXX Recorder 's office regarding a purported foreclosure sale of " property '' to satisfy an obligation secured. OCWEN LOAN SERVICING, LLC has evaded the specific question. 

QUESTION : WHAT is the name of the holder of the promissory note secured by the Deed of Trust # XXXX XXXX that OCWEN paid ( after the foreclosure held XX/XX/2015 ) to satisfy the obligation OCWEN claimed existed in a Notice of Default document recorded in XXXX XXXX XXXX Recorder 's Office ( See Attachment document identified as " Notice of Default ''?
Product: Credit reporting or other personal consumer reports

I have been challenging these bogus and erroneous accounts. I also attached an FTC in my previous claim, which I am attaching again in this dispute, I am also attaching my notarized identity theft affidavit. This is my final dispute with this account ; following this, I will proceed to civil court in my state of New Jersey to file a claim against your company.
Product: Credit card or prepaid card

I received a Home Depot credit card statement for my card at XXXX XXXX this morning, Thursday XXXX  XXXX,2017 informing me of an interest charge of {$240.00} on a balance of {$690.00}. 
The company handling the card for Home depot is XXXX XXXX XXXX XXXX, a Federally regulated institution. The only address they gave me is XXXX. XXXX XXXX - XXXX - TN XXXX. 
I offered to pay the {$690.00} right away but they refused, arguing I had benefited from a previous forgiveness of interests in similar circumstances. 
I argued that they should have given me earlier notice and they said I had received their regular statements. They stated that their interest amounts to $ 25.99 % but of course {$240.00} for {$690.00} balance is way more than that. It is a trick to charge usury interests and this is why I file this complaint. 
I am asking that they forget the {$240.00} if I pay the balance right away and be timely advised of their agreement.
Product: Debt collection

CRA is in direct violation of FDCPA, FCRA, DODD FRANK ACT and METRO 2 COMPLIANCE ...
Product: Credit reporting, credit repair services, or other personal consumer reports

There are hard inquiry on my account that I did n't authorize. 
* XXXX *XXXX XXXX XXXX XXXX XXXX *XXXX
Product: Checking or savings account

My online access has now been blocked and I am unable to close my account and have my monies overnighted to me. Here is a chronicle of events : XX/XX/XXXX I was able to transfer XXXX via XXXX to my XXXX account XX/XX/XXXX I was able to transfer XXXX  via XXXX to my XXXX account XX/XX/XXXX I requested to Wire Transfer XXXX to my XXXX account XX/XX/XXXX I received an email asking for me to call Citibank to verify my identity. I called and answered all of their questions. 
XX/XX/XXXX The Wire Transfer was cancelled and my account was closed due to suspicious activity. 
XX/XX/XXXX Citibank opened up account XXXX XXXXand moved my money ( with the exception of the XXXX. I had to call back after a XXXX  of days to have that moved ) XX/XX/XXXX Citibank deposited the interest earned of XXXX  from XXXX into the old account XXXX XXXX. I had to call and ask them to move it and unlink my new XXXX  card to the old account. 
XX/XX/XXXX I requested Wire Transfer XXXX to my XXXX account XX/XX/XXXX I received an email asking for me to call Citibank to verify my identity. I called and answered all of their questions. 
XX/XX/XXXX My Wire Transfer of XXXX was cancelled saying that they were unable to verify that I requested it and I was told to try again XX/XX/XXXX I requested another Wire Transfer of XXXX XX/XX/XXXX I received an email asking for me to call Citibank to verify my identity. I called and answered all of their questions. 
XX/XX/XXXX I received an email saying that my Wire Transfer of XXXX was cancelled saying that they were unable to verify that I requested it XX/XX/XXXX My online account was blocked. I called in and because my cell phone is owned by XXXX XXXX ( my employer for XXXX  years ), they said that they were unable to verify it was me. 
XX/XX/XXXX I was told that I would receive a letter in XXXX to XXXX  days with a code. I need to call in then with the code. 
I no longer wish to do business with Citibank for the above reasons. Please close my account and overnight a check to the address listed on the account. It is the same address and phone number that I have had ever since opening my account.
Product: Debt collection

The phone calls are coming in each day. They are robocalls which claim a debt. But when I have gone to the 800 phone number to discuss it, I am given a series of questions to sell me products. There is NO WAY to speak to someone. 

The numbers rotate each day so are impossible to block. Among them are XXXX, XXXX XXXX XXXX and XXXX. But there are countless more. The 800 number I was given to call was XXXX, I misdialed the first time and got the same treatment at this 800 number : XXXX.
Product: Debt collection

1. During spring of 2022, reviewed my credit reports and saw that I had a credit collection submitted by an unfamiliar company for an unknown debt. Contacted each credit bureau and had the collection removed. 
2. Unable to contact the company that claimed the debt, i.e., XXXX. The customer support website was useless. 
3. Received notice from IC Systems, the collection agency, demanding payment. 
4. Sent letter to IC Systems in XXXX saying I did not owe the debt and would not pay. 
5. Received notice from IC Systems in XXXX of this year increasing the amount due and demanding payment. 
6. Payment coupon included with this " request for payment '' showed that the person who owes the money lives in a different state, a state in which I have never lived. 
7. The amount originally claimed {$330.00}. The above-mentioned payment coupon shows an amount due of {$480.00}. 
8. I'm also expected to return some equipment ; I have no idea what that would be.
Product: Mortgage

I believe OCWEN and the loan investor XXXX did not act in good faith when working with me to modify my Mortgage loan during my financial hardship. Ocwen repeatedly denied receiving my loan modification package and sent foreclosure notification letter that did not allow me the appropriate amount of time to respond. In spite of my continued communications with them they began the foreclosure process in the fall of XXXX. 
In the winter of XXXX Ocwen commited XXXX XXXX dollars to work with distressed homeowners. However, in XXXX of XXXX they were still unwilling to provide me a reasonable loan modification. In XXXX XXXX I was offered a loan modification to pay nearly $ XXXX for a home valued at $ XXXX. When I appealed the offer I was informed that my investor XXXX XXXX XXXX XXXX did not participate in Principal Reductions. 
I do not believe the Ocwen or XXXX thoroughly reviewed all of the options available. I believe straddling a homeowner with a mortgage % 100 underwater is very reminiscent of the Predatory lending practices that began U.S financial crisis of XXXX. On XXXX XXXX, XXXX The XXXX ran an article titled " Ocwen and Bondholders Clash over Mortgage Services. '' XXXX XXXX of the law firm XXXX, XXXX and XXXX is quoted " investors, including " certain hedge funds, '' also continue to object to the use of principal reductions, which are often the most effective way to help struggling homeowners avoid foreclosure. '' 1. ) I am requesting that Ocwen provide a list of the loss mitigation options that I was considered for and explain the outcome of each option. 
2. ) I would also like a copy of all of the documents that were reviewed in my loss mitigation option review.
Product: Debt collection

After doing several disputes with XXXX, and XXXX. I am still not getting the investigation that I asked for. By the credit bureaus not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all of the Bureaus and the Creditor asking for validation. The information was completely ignored from creditor Navient. Both XXXX  and XXXX failed to do an investigation before reporting false information. Navient failed to respond several letters. The Reporting address on file is not and never was my address.XXXX XXXX XXXX XXXX XXXX Kentucky XXXX.
Product: Credit reporting or other personal consumer reports

I am disputing an auto loan account listed on my credit report as charged off with a past due amount of {$22000.00} as of XX/XX/XXXX. This account is inaccurately reported, and the status is incorrect. I initially disputed this item in XX/XX/XXXX, but the information on my credit report remained unchanged after the investigation. Despite my efforts to correct this, the account is still marked as charged off, which is negatively affecting my XXXX XXXX. 

Initial Dispute : I filed a dispute with the credit reporting agency, requesting that the inaccurate account status be corrected or removed. 
Company 's Response : The credit agency acknowledged my dispute but did not resolve the issue. The account remained reported as charged off. 
Follow-Up : After the investigation, I received no updates or documentation from the company regarding the results or resolution of the dispute. 
I am requesting that this account be removed from my credit report as it is either inaccurate or unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently taken the time to look over my credit reports and noticed that my natural rights as a consumer has been violated in many ways by the XXXX XXXX XXXX, Equifax and XXXX. I have tried a numerous amount of times to contact them to handle these issues and make them alert that I am aware of the violations that they have and are doing. First of all I never gave them permission to furnish ANY of my personal information on the consumer report which is a violation of 15 USC 1681b PERMISSIBLE PURPOSE OF A CONSUMER REPORT. No consent is in fact Identity theft which I am already a victim to!. Also, I would like to use this letter as confirmation that I hereby Opt-Out and do not wish to resolve disputes with Equifax, XXXX or XXXX through arbitration. I REJECT the arbitration clause in the interactive service agreement so please take note! Another violation that I have noticed is the great deal of inquiries that DO NOT BELONG TO ME! I am very responsible and that clearly seems that someone was trying to use my credit to get things not ME! I HAVE ALSO NOTICED LATE PAYMENTS which is a violation of 15 USC 1681s-3. consumer reports should not contain information solely as to transactions or experiences between the consumer and the person making the report so all accounts that include late payments need to be removed immediately as I have already started legal action to gain compensation for defamation of character, negligent enablement of identity fraud, Fair Debt Collections Practices Act 15 USC 1692g violations and Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616 Civil liability for willful noncompliance 15 USC 1681n.