23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 ) Section 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.

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

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear SANTANDER, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity theft laws pertinent to XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that SANTANDER has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri law addresses identity theft and fraud with stringent regulations to protect consumers from unauthorized use of their personal information. Under Missouri Revised Statutes Section 570.223, identity theft is a serious offense, emphasizing the illegality of using someones identifying information without consent. 

I assert with unwavering certainty that I have not provided consent for SANTANDER to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that SANTANDER immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws as outlined in Missouri Revised Statutes Section 570.223. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SANTANDER will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

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

I have been a victim of Identity theft while Experian, XXXX and XXXX is still reporting fraudulent accounts on my consumer report. I demand that these accounts be removed IMMEDIATELY!!!
Product: Mortgage

Right in the middle of Covid, I was going through a nasty divorce. My ex lost his job and stopped paying support. I filed for forbearance, and Wells Fargo then modified my loan to a 40 year loan without my approval. 

The divorce ended up costing over a 100,000 and bankrupt me. My bankruptcy attorney forgot to reaffirm the home loan. Even though I asked several times. I guess they dont do that anymore for some reason. But i needed it to assume the loan. I later found out I could have just called the bank and asked for a reaffirmation myself. But nobody ever told me that. So per wf recommendation my attorney re-opened the case and I asked wf for a reaffirmation but NOW wf refuses to process the work order for a reaffirmation. Even though an employee at wf told me to re-open the bankruptcy case ; that they have done this for clients in the past. I have this conversation recorded. The last employee I talked to at wf this week said dont bother it would just be bounced back as denied. He would just get an email denial. I would never even know the denial status. He actually told me even though his computer shows an active bankruptcy the only way to get it reaffirmed now would be to bring suit against wf. 

Its very frustrating because I keep trying but, every time I call I get told a completely different story. 

So, ultimately I need to assume the loan. WF has refused to allow me to apply to assume the loan from my ex husband until it is reaffirmed. As part of my divorce decree I was court ordered to put the home in my name only. Or be ordered to sell my home within 6 months. I am now in contempt of court. I am XXXX from a XXXX XXXX so I am very concerned that I am about to lose the only home I will ever have for me and my children. I have no other options here. Without my bankruptcy rights protected my children and I will be homeless. I cant relocate due to custody agreements. I cant afford to sell and move. The cost is astronomical between agent fees, capital gains tax ect. And To rent would be more than I pay now for my morgage. I cant even rent anything temporarily until I am back on my feet because I am on XXXX and with limited earning potential and now poor credit. Even if I could rent, that money I made from the sale of the house would be just gone within a few years and I would be worse off than I am now. Sorry if this seems dramatic, I am just letting you know I have tried to think of every possibility and these are just the facts. I think this is exactly how people become homeless. It really only takes one bad year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, This is a follow up to my previous email in regards to my claim with Southern Management. I spoke with the Leasing Manager XXXX XXXX at XXXX XXXX XXXX. She states and she proves that I was NOT in XXXX XXXX  as stated on the letter sent to Southern Management. I am still not understanding why the charges were deducted to {$160.00} if I have proven I was did not live in room A. Also, according to 15 U.S. Code 1681b Permissible Purposes of consumer reports it states that a consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with WRITTEN instructions of the consumer to whom it relates. I do not recall giving any companies any type of of instruction to have these things on my credit report. They also need to prove that they have written instructions that I gave them permission to report this on my report. This is defamation because you are reporting negative items that's been making me seem like a irresponsible person. I take my credit and character very seriously. Please remove from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX/XXXX/2024 XXXX XXXX XX/XX/scrub>/2024 XXXX OF XXXX XXXX/XXXX/2024 These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Student loan

On XX/XX/2020, President Trump signed the Coronavirus Relief ACT,  which stopped all student loan wage garnishments for 6 months. Delta Management Associates continued to garnish my wages after the law went into effect. They owe me a refund of {$640.00} for two paychecks that were garnished on XX/XX/2020, and XX/XX/2020. In addition, the Delta Management Associates should be held criminally responsible for breaking the law.
Product: Debt collection

This particular collection has been on my report since XX/XX/XXXX. According to the statute of limitations, a collection can only be on your report 7 years. + 180 days from when it became past due. XXXX purchased this debt in XXXX and it is still on my credit report, also they are still updating when it should be coming off. this year XX/XX/XXXX is when it should have came off. 
I am requesting for this account to be removed completely.
Product: Checking or savings account

Multiple times over the passed few weeks my Key Bank account has been " reportedly '' overdrawn even though I 've had the money in my account. Today is the third instance of this action happening. As of XXXX XXXX the night of the XXXX XXXX XXXX 2017, my account balance was {$10.00}. I made a cash deposit of {$200.00}, bringing my balance to {$210.00}. I immediately withdrew {$60.00} cash which would take my balance down to {$150.00}. I had a check coming out the next day for {$120.00}, which would take my balance to {$120.00}. Now mind that after making my cash deposit I had more than enough in there to cover the check which had n't yet hit my account. My account balance is now $ XXXX because Key Banks money stealing practices try to make it look as if the deposit happened after the check had already hit my account. I have account balances and statements proving tothe money was in my account before the check was there. They charged me a {$39.00} overdraft fee and for no reason and they 've done it to me multiple times over the passed few weeks. Please help to stop this fraud operation they are conducting at Key.
Product: Credit reporting or other personal consumer reports

I have several inquiries on my credit report that were not authorized and are unknown. Ive tried disputing with the companies, but I was told to dispute with the credit bureaus. I've disputed with the credit bureaus several times, but they have not removed those inquiries. I have not given my authorization for the inquiries, and I do not recognize any of the companies. I have not applied for new credit ( house, car, nor credit card ). Ive asked for them to send me written proof of my signature of authorization, but they can not provide this information. I would like for these inquiries to be removed from my credit report for all reporting bureaus.
Product: Debt collection

Received multiple phone calls from a company called Heartland Resolution Group claiming to be a debt collection agency about an outstanding debt of {$45.00} from an ER bill from 2016 they claim has been unpaid. I have no outstanding bills from any of my medical visits. The company, Heartland Resolution Group, is claiming I can pay {$6.00} to get the debt removed from my credit report. I have yet to receive any actual communication from Heartland other than the phone calls regarding this bill. When I asked for them to send me a copy of the statement from the ER/Hospital, they claimed they couldnt find which hospital I was being billed from and neither could they find the name of the doctor who serviced me. In speaking to a representative on a different occasion, they claimed they knew what hospital I was seen at and named said hospital. Talking to a different representative, I was given a completely different response. They also mentioned they received my unpaid bill from XXXX XXXX XXXX.
Product: Debt collection

while reviewing my credit report I saw a collection account listed. I contacted XXXX and they informed me it was a debt owed to XXXX XXXX. I contacted XXXX XXXX to get this debt validated with information confirming me and that is when I discovered the company was out of business. Prior to this debt being reported to a collection bureau I received notice from XXXX XXXX that my information was compromised in their system. I asked how did my information get into their system but was unsuccessful with getting a response afterwards. I have repeatedly disputed with all credit bureau and collection agency. The credit bureau always states they validated debt and recently stated the same. when asked their method I was told to contact the FTC. I know they did not validate with the reporting business because they have deceased all operations.
Product: Debt collection

Repeated calls from XXXX XXXX. Calling at least once per day, excluding weekends, calling from multiple/different numbers.
Product: Credit reporting or other personal consumer reports

last month i found out that my ex roomate XXXX XXXX stole my identity and used it to open up fraudulent credit accounts. i need help gettoing these fraudulent accounts removed from my credit report
Product: Debt collection

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. Account name : XXXX 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 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 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 submitted an official police report from my local law enforcement agency, which detailed their investigation into my identity theft claim. The investigation was thorough, and they exhausted all leads before closing the case. I then provided this police report to the credit reporting agency. However, the credit reporting agency stated that the data furnishers had verified the accounts as mine, which contradicts the findings of the police report. The fraudulent accounts are listed below. 

XXXX XXXX XXXXXXXX XXXX, Acct # XXXX XXXX XXXX, Acct # : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is NEGATIVELY REPORTING THAT I OWE A DEBT on my credit report that I knew nothing about I reached out to the company several times and have sent letters when I found out about the Debt and was never contacted back. Also the company is Inaccurately reporting the Debt on my credit Report, ( The date Last Active is Incorrect/inaccurate ) ( The date last Reported is incorrect/inaccurate ) ( The date opened is incorrect/inaccurate ) Therefore this Debt Should be Deleted immediately, it is negatively affecting My Mental Health my ability to build Credit and my ability to get credit I have been dealing with these for several years and now I'm ready to seek litigation. I would like this debt deleted immediately. According to : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Thank You.
Product: Debt collection

This item was identity theft, FTC police report was filed, i ten was removed then re-added to my credit report. This is my second time filing a police report and I have been blocked and ignored by both the bank XXXX XXXX and experian. I would like this issue resolved as I have now started the litigation process with the XXXX  XXXX XXXX team XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of a charge-off reported by XXXX XXXX XXXX  XXXX on my credit report. The account in question is account number XXXX. I believe this information is inaccurate and incomplete for the following reasons : Upon reviewing my credit report, I noticed discrepancies in the reporting of the charge-off. The reported date of the charge-off, the account balance, and other related information appear to be incorrect. These errors violate the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be accurate and complete. 

The balance reported by XXXX XXXX XXXX XXXX does not accurately reflect the actual amount owed. This inaccuracy may stem from incorrect calculations, fees, or interest charges that were improperly applied. I request that the account balance be thoroughly reviewed and corrected. 

I have previously requested validation of this debt from [ XXXX XXXX XXXX XXXXXXXX , but to date, I have not received adequate documentation proving that this debt is valid and that I am responsible for it. Under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request and receive proper validation of any debt reported on my credit report. 

The circumstances leading to the charge-off were exceptional and involved situations beyond my control. Despite my efforts to communicate with XXXX XXXX XXXX XXXX to resolve the matter, they failed to offer any assistance or reasonable accommodation. This reflects unfair reporting practices that have unjustly impacted my credit score.

Based on the points outlined above, I request an immediate investigation into the accuracy and completeness of this charge-off entry. If the information can not be verified or is found to be incorrect, I request that it be promptly removed from my credit report. 

Please provide me with the results of your investigation in writing. If any changes are made to my credit report as a result of this dispute, I request that updated copies of my credit report be sent to me. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution and confirmation that this inaccurate entry has been addressed.
Product: Credit card

I have set up an autopay of the statement balance into two payments, twice for every billing cycle. There are a couple of payments that were denied due to insufficient funds in my bank account. 

Every billing cycle I have paid at least half of the statement balance, including interest charge and return fee. 

The credit card company recently closed my Costco credit card account due to a couple of payment returns due to insufficient funds.
Product: Credit card

Beginning in XXXX of 2024 I asked for review of my three American Express accounts under the Louisiana State SCRA ( state statute 29:312 ). This law provides for a 6 % interest rate cap for obligations incurred after the start of XXXX XXXX and states in Section D that XXXX  orders to Louisiana are the requisite documentation to provide to creditors in order to receive SCRA benefits. 

In the intervening months, through numerous written and verbal communications with American Express, this request has not been remedied. I have diligently and patiently provided all the documentation dictated by law and have not even received confirmation that American Express has reviewed the applicable law, much less provided me with the benefits it dictates. Instead, I have been in receipt of communications referencing the Military Lending Act and an inquiry about where I am a permanent resident. As an XXXX service member with orders to Louisiana, neither of these communications are pertinent to the state SCRA review XXXX 

It does not appear that American Express is making the effort to review this case despite the extensive documentation I have provided them. Furthermore, it is difficult to help remedy this situation when the customer service team is unable to connect me ( or themselves ) to the personnel actually handling SCRA matters at American Express. This has resulted in multiple openings and closings of the same request for SCRA review with weeks between communications. It is important for American Express to note the difference between the Federal SCRA and Louisiana State SCRA, the latter which extends benefits to obligations incurred *after* entering XXXX XXXX.
Product: Debt collection

I started receiving phone calls from JP RMP on XX/XX/XXXX. I received calls on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, as well as XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and on the dates of XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX. On the first call I picked up for, I asked for a debt validation letter, to verify the debt, the original creditors, and relevant details. This was not sent, but a letter with *some* pertinent information was. Also in the XXXX XXXX XXXX call I informed the representative from JP RMP that the debt didn't seem valid, due to my billing status with insurance, but I would verify. The calls continued and when I was able to get insurance and the original medical billing department on the phone, the bill was an error. The debt was never valid. It was supposed to be sent to my secondary insurer. But I guess it's easier to harass a XXXX woman than verify that information, force the XXXX person to round up XXXX people who made errors and get them on the same call to talk about it and how to fix it, as opposed to doing the due diligence themselves. How fun for my XXXX XXXX. It took a third call from insurance and the billing department to get them to leave me be, for a debt I didn't owe, because of someone else 's keystroke error.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding the refusal of credit reporting agencies to delete inaccurate data from my credit report, despite my repeated formal disputes. The agencies have failed to meet the requirements of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) to remove unverifiable information. 
Also these laws if wish to initiate under 15 U.S.C. 1681i ( a ) ( 615 U.S.C. 1681i ( a ) ( 1 ) ( A ) ,15 U.S.C. 1681s-2 ( a ) 15 U.S.C. 1681c-1 ( a ) The ongoing inaccuracies include : Incorrect Names and Addresses : My name is XXXX XXXX XXXX XXXX but variations, such as XXXX XXXX XXXX , remain. Additionally, an unrelated address, XXXX XXXX XXXX XXXX, is still listed. 

Unauthorized Inquiries and Account Errors : My report includes multiple unauthorized inquiries and re-aged payment dates, among other errors. XXXX XXXX XXXX has reported payments of XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX in touch is constantly changing last paid dates my last real paid date was XX/XX/XXXX And XXXX is reporting month after month of charge offs by laws they can only report it XXXX Section 1681e " Compliance Procedures, '' which requires that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information reported. 
Section 1681i " Procedure in Case of Disputed Accuracy, '' which outlines the process for consumers to dispute inaccurate information in their credit reports. 

I kindly am asking cfpb to investigate the validity if these violations by crdfit reporting agencies and thier refusal to delete information that we all know is not accurate and complete