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

I am filing this complaint due to inaccurate and incomplete information being reported on my credit report. I have reviewed my report and found several issues that need immediate correction and deletion, which are in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The following errors exist on my credit report : Inaccurate Names : Multiple variations of my name are listed, including incorrect spellings and versions of my first and/or middle names. The only correct name should be. I attached a letter Incorrect Address Information : Several addresses are reported that I have never lived at or have no association with. These addresses should be removed and replaced with my correct address : [ I attached a letter ]. 
Incorrect Phone Numbers : The phone numbers listed on my credit report are inaccurate. My only valid contact number should be I attached a letter ]. 
Incorrect Employment Information : My employment history is incorrectly reported. The correct employer is I attached a letter, and all other entries should be deleted. 
Removal of Social Security Number ( SSN ), Date of Birth ( XXXX ), and Year : I request that my Social Security number, date of birth, and year of birth be removed from my credit report to ensure the safety and privacy of my personal information. 
I have already contacted the credit reporting agencies to address these issues, but no meaningful corrections have been made, and the errors continue to affect my credit profile and score. 

In accordance with the FCRA, I request that these inaccuracies be corrected, and the proper information be reflected on my credit report. Under the FDCPA, these agencies are obligated to ensure that only accurate, verifiable information is reported. I am requesting that these inaccuracies be fully removed from my credit file and that an updated credit report be sent to me showing all deletions. 

Failure to comply with these requests will result in a formal complaint to the Federal Trade Commission ( FTC ), and I may pursue further legal action under both the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

I sent a dispute letter to the Credit Bureau on XX/XX/year> via regular mail. The credit reporting agency has failed to acknowledge, remove and block the fraudulent information appearing on my credit reports. The credit reporting agency also has failed to provide me with any correspondence, updates, or notify me of any changes and corrections made to my report. The credit Bureau has also failed to provide me with an accurate and valid credit report. The credit Bureau was sent the following information on XXXX, XXXX : credit dispute letter that included each fraudulent account and inquiry, police report, identity theft report, state attorney 's identity theft affidavit, FCRA section 605b, social security card, drivers license, and my birth certificate. After providing this information to the credit bureau they failed to delete and block the fraudulent accounts within four business days from the receipt of notice. The fraudulent accounts are still appearing on my credit report as such : 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 XXXXXXXXThese accounts are fraudulent and were not opened by me nor did I provide them with authorization or consent to use my information, and I also did not enter or sign into any contracts , or agreements with these creditors. The fraudulent accounts should be removed and prohibited from reporting on my credit as pursuant to section 605B which states that fraudulent information is required to be blocked and removed within four business days after the receipt of all evidence provided in which the credit reporting agency has failed to do. By failing to remove and block fraudulent accounts from my credit report within four business days of the receipt of notice of each of the fraudulent accounts, the police report, identity theft report, identity theft affidavit, section 605B of FCRA, proof of identity, and credit dispute letter. The credit Bureau is in complete violation of my rights by not complying and being completely negligent by not taking any actions to correct fraudulent accounts as required by FCRA law. The credit bureau has also been negligent in providing correct and accurate credit reports.
Product: Payday loan, title loan, or personal loan

I purchased a new car financed through Santader Consumer Finance in XXXX XXXX. I made steady on time payments consistently from that date forward, to include a small extra payment each month. 

In XXXX of XXXX we sustained some minor storm related damage to the vehicle. The vehicle is insured through progressive insurance. During the claim process with XXXX  I expressed that I have 20+ years experience in paint and body repair and would be repairing the vehicle myself, out of pocket while awaiting the arrival of the insurance check, which was made out to myself and Santander . I spoke with Santander via their online chat portal, in which the representative informed me that Santander would not release any of the funds to me and would instead apply the funds directly to the principle owed. 

I received the insurance check for {$820.00} the balance of the estimated repair minus my {$500.00} deductible. I endorsed the check and included a note stating that I had already repaired the vehicle out of pocket and wished for the proceeds to be applied to my balance as was discussed previously with a Santander customer representative. The check was mailed from XXXX XXXX, LA to a XXXX, TX payment XXXX XXXX as is listed on all Santander payment documentation, on XX/XX/XXXX. 

I waited several days, checking often to see my account balance to reflect such payment. After a few days i became concerned and again contacted Santander to acquire about the payment, and was informed they did not receive the payment. I then contacted XXXX, who informed me that they did not have any indication that the check had been presented for payment, initially. I continued this process for a few more days checking every couple of days. Santander continued to claim not having received any payment, until I informed them on XX/XX/XXXX the check had in fact cleared XXXX XXXX 's bank as was confirmed by phone by XXXX. 

On XX/XX/XXXX I spoke by phone to Santander this time being refereed to an insurance representative of theirs who then stated that the funds would be applied to the principle of the balance owed on the account. However on XX/XX/XXXX, I made my regular monthly payment, of course the accrued interest for the full balance owed was charged and taken from the payment, with the remaining balance being applied to the principle. 

So Santander, received a {$820.00} dollar payment on or amount XX/XX/XXXX, denied having received the payment, and continued to charge me interest on a principle balance that I did not legitimately owe. So in fact Santander has stolen money from me in the form of interest in which I did not owe. And as of XX/XX/XXXX has still not credited the balance of the account and is currently still charging me interest for a principle balance that i do not owe, even though they have been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX and XXXX XXXX have been reporting Late payments on a credit card XXXX  on my credit report. 
I summited several disputes to credit agencies to investigate and also verify if the account number on file has late payments. 
They verify as accurate which is a violation since I contacted the a creditor and they provided me with a letter that show no late payments. I have summited the letter to credit bureaus and still they claim the late payments are verified.
Product: Credit card

The cardholder is disputing a {$600.00} charge from XXXX XXXX, posted on XX/XX/XXXX, for a XXXX recurring subscription renewal that was paid for to cover XX/XX/XXXX XX/XX/XXXX. 

The dispute is based on two key issues : 1. Failure to Notify of Recurring Charge in Advance.

No such notification was received via email, text, or any other agreed upon method before the charge appeared on the Capital One app.

XXXX  core rules require 7-day advance notice before a subscription renewal, especially when the price changes after a promotional period. This service had an ending 50 % off promotional period. 

XXXX  law also requires subscriptions with renewal periods over 6 months to send notification via a clear and conspicuous method within 60 days of renewal. 

The payment processor ( XXXX ) confirmed that they did not send a renewal notice, further supporting the cardholders claim. XXXX XXXX utilizes XXXX to send their subscription renewal notices. 

Merchant claims a general bulletin notice was posted in their private XXXX. This is not an agreed upon method or communication and is also not a direct form of communication. 

Failure to notify takes precedent over the merchants no refund policy and Terms of Service.

2. Service Not Delivered as Paid Despite paying for 365 days, the membership was terminated after only 2 days ( on XX/XX/XXXX ). 

The merchant ( XXXX XXXX ) refused a refund and later refused to reinstate the paid service. 


Dispute History : The cardholder first contacted the merchant for a refund but was denied due to a " no refund policy. '' A dispute was opened with Capital One, which initially ruled in favor of the merchant based on their no-refund policy. 

After the dispute ruling, the cardholder requested service reinstatement, but the merchant refused to communicate further. 

Capital One repeatedly denied attempts to dispute this charge based on the lack of notification as a dispute reason. 

Capital One must adhere to the rules outlined by XXXX and the state of my residence ( XXXX  ). 

Capital One denied the dispute based on 60 days passing after the original dispute. New evidence that the merchant would not re-instate the service came to light on XX/XX/XXXX. 

Cardholder has 60 days to dispute this charge from the last day service was to be received. This XXXX service was not scheduled to end until XX/XX/XXXX. The timeframe does not expire until 60 days after this date.
Product: Mortgage

My mortgage company ( Mr. Cooper ) attached extra money to my payment to cover shortages in my escrow account. Shame on me as I should have explored this more thoroughly. I assumed since everything has increased so did my property taxes and insurance. After the second time I got hit with a shortage I started to investigate and found payments were made to people I have never heard of. 
As soon as I found out about this I contacted my mortgage company ( around XX/XX/XXXX ). 
The mortgage company told me they would look into the issue. When I never heard back I called again. This time I was told that they were trying to contact these people with no luck and that maybe I should do it myself. Of coarse I informed them that that was their job not mine. When I called a third time they were blunt that it would be my problem to contact this people and get THEIR money back! I called again last week to ask where my case was and I was told to call them on break at work to remind them to call these companies. This company bought my mortgage approximately 2 years ago and their customer service is the worst ever. below are the erroneous payments that I have paid from my escrow account. 
XX/XX/XXXX XX/XX/XXXX {$770.00} XX/XX/XXXX XXXX XXXX XXXX CO {$1900.00} I typically pay extra every month to pay down my mortgage but have not since they raised my payment to cover these escrow overages. So this has significantly affected my payoff. Maybe that's what they want. 
Please provide assistance on how to recoup these funds. 

Thank you XXXX.
Product: Credit reporting, credit repair services, 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 Names and numbers as follows 1 : XXXX  XXXX Account Number XXXX XXXX : XXXX  XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX : XXXX XXXX XXXX Account Number XXXX XXXX : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Account Number XXXX XXXX : XXXX XXXX XXXX Account Number XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 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 a account without my writter 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 recently discovered several fraudulent accounts on my credit report, which I did not authorize or apply for. These accounts have no merit and are the result of identity theft. They include : A XXXX XXXX XXXX XXXX loan with a balance of {$34000.00}. 
A XXXX XXXX XXXX personal loan with a balance of {$9900.00}. 
A XXXX XXXX credit card ending in XXXX, with a balance of {$1400.00}. 
A XXXX XXXX credit card ending in XXXX, with a balance of {$260.00}. 
Another XXXX XXXX credit card ending in XXXX, with a balance of {$420.00}. 
A XXXX XXXX XXXX Auto Loan with a balance of {$33000.00}. 
A XXXX XXXX XXXX credit card ending in XXXX, with a balance of {$320.00}. 
A XXXX XXXX XXXX personal loan with a balance of {$3200.00}. 

Despite my repeated efforts to resolve this issue, including filing an FTC Identity Theft Report and disputing these accounts directly with the creditors and credit reporting agencies, the fraudulent accounts remain on my credit report. 

I have reported Experian to the Office of the Attorney General ( OAG ), the California Department of Financial Protection and Innovation ( DFPI ), and the Federal Trade Commission ( FTC ) for failing to address the harm being done to me under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that fraudulent accounts must be promptly investigated and removed. 

I request immediate action to have all these fraudulent accounts permanently removed from my credit report. Additionally, I ask that the companies involved comply with their legal obligations under the FCRA to resolve this matter swiftly and ensure no further harm is done to my credit profile.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I regret to inform you that upon reviewing my credit report, I have discovered numerous inaccuracies that have been reported by your organization. These errors pertain to various personal identifiers, the presence of which may potentially result in identity theft or other grave repercussions if left unaddressed. It is utterly deplorable that such errors have occurred in my credit report, and I demand immediate rectification of all inaccuracies in your records. I can not emphasize sufficiently the importance of updating my personal information with utmost precision to prevent any additional detriment to my financial well-being.According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now Listed below are the Personal Information that are being challenged Incorrect Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$1800.00} XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$960.00} 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$960.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} BEST XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

After contacting Harley-Davidson Financial Services and later CFPB regarding my issue of applying SCRA benefits ; my benefits still do not reflect on my online billing statement. I had waited for this to update and be resolved by the company, as I was still being charged beyond the 6 % interest rate per the SCRA benefits. 

Now they have reported my account as delinquent, which shows up as " negative '' on my credit report. I have tried resolving this with CFPB reportings, but HDFS continually fails to comply with both SCRA and CPFB.
Product: Credit card or prepaid card

Since we filed the complaint, we have had three telephone conversations with USAA Fraud Dept. They will NOT close account unless we get online to close. This was the whole problem originally, a hacker hacked into our account and ordered new cards & set up an online account. Originally we were promised USAA to send paper statements but this never happened. When I Finally got ahold of a Sr. Vice President, she sent the last 6 months of paper statements and We paid off the card. We sent as hand written letter requesting closing of account along with cut up cards signed by both of us. Since USAA lied to us about about the paper statements, there is no guarantee that the a hacker won't steal our card info again. USAA promised to take the delinquency off of our credit, but since they lied before, I'm not sure if this will happen. As a consumer, I have the right to freeze my credit info, why can't I close the USAA account or freeze it? USAA is an abusive Bank, they should have their Bank Charter revoked.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balanced {$1000.00} XXXX XXXX XXXX XXXX Balanced {$120.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On or about XX/XX/2021, XXXX XXXX XXXX XXXX XXXX ) forbearance is terminated as of XX/XX/2021, requested Wellsfargo for a loan modification ( Hardship ) due to XXXX was injured on his job an placed on limited duty, that prevent XXXX to resume XX/XX/2021 payment. 
On XX/XX/2021, XXXX contract Wellsfargo for a follow up due to notice that was initiated by Wellsfargo dated XX/XX/2021. Wellsfargo representative with a name of XXXX XXXX declared that as of XX/XX/2021, XXXX application was approved, XXXX requested for a copy, the Wellsfargo representative was unable to provide documentation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX RE : Dispute of Charge-Off Entry on Credit Report To Whom this may concern, I am writing to formally dispute a charge-off entry on my credit report, which I believe is inaccurate and not compliant with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliancy requirements XXXX 
The inaccurate entry is as follows : XXXX Account Number : XXXX Date of XXXX I dispute this entry on the following grounds : 1. Reporting Inaccuracies : Pursuant to the FCRA, creditors are required to report accurate and complete information to credit bureaus. However, the information provided regarding the charge-off is inaccurate. I have not received proper documentation or validation of this debt, and I dispute its validity.

2. Lack of Notification : The FCRA also mandates that consumers be notified of any negative information reported to credit bureaus. I have not received any notification regarding the charge-off in question, which is a violation of my rights under the FCRA.

3. Metro 2 Compliance : The Metro 2 Reporting Guidelines outline specific requirements for the reporting of consumer credit information. I believe that the creditor may have failed to adhere to these guidelines in reporting the charge-off, thereby rendering the entry inaccurate and non-compliant.

I request that you conduct a thorough investigation into this matter in accordance with FCRA regulations and Metro 2 compliancy requirements. If the investigation confirms that the charge-off entry is inaccurate or non-compliant, I request that it be promptly removed from my credit report.

Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report.

Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX