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

XXXX XXXX SANTANDER CONSUMER USA Amount XXXX Date XXXX Reference Type Reference or Account Number ) NOTICE OF DISPUTE To : ( Collection Agency Name ), I, ( XXXX XXXX ), a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the XXXX XXXX Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Sincerely, ( XXXX, XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove a credit freeze from my Transunion credit file. I tried doing it online but the system said there was an issue. I tried called and I was referred back to doing it online. Next, I sent a letter on XX/XX/2021, asking Transunion to permanently remove the credit from my profile with no response. I sent another letter on XX/XX/2021, and still no response.
Product: Credit reporting or other personal consumer reports

I hope this letter reaches you under circumstances conducive to prompt resolution. I am writing to express my growing concern and frustration with the unresolved issue of fraudulent items associated with my account. 

Despite my repeated attempts to address this matter through your designated channels, I regret to inform you that all efforts to remove the fraudulent items have been unsuccessful. The persistence of these unauthorized activities is causing me considerable distress, and I am alarmed by the potential impact on my financial standing. 

I kindly request immediate and effective action on the following fronts : Ensure the successful removal of all fraudulent items and transactions linked to my account without any further delay. 

Provide me with a comprehensive update on the ongoing investigation into the origins and nature of the fraudulent activities. 
Enhance communication channels to keep me informed about the progress made and the steps being taken to bring about a resolution. 

Implement additional preventive measures on my account to thwart any future unauthorized access or activities. 

I understand that addressing such matters requires careful consideration and timely action. I urge you to treat this issue with the urgency it demands to rectify the situation promptly. 

Your immediate attention to this complaint is crucial. Please acknowledge receipt of this letter and inform me of the steps being taken to resolve the issue. I anticipate your swift response to restore my confidence in your services. 

Failure to address this matter promptly may compel me to seek assistance from relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I think FCRA 605B requires the removal of any wrong accounts from my credit report. Could you examine the documents? Some accounts listed have inaccuracies in reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account XXXX XXXX XXXX XXXX # XXXX, please delete or produce the original instrument of indebtedness, method of verification and validation of debt. Also, this account is reporting a payment as of XX/XX/XXXX, but account is stating it has been close since XXXX ... 

This is account has many errors on all three credit agencies, please remove
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX ), ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , XXXX and XXXX, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A UTILITY BILL account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ) opened XX/XX/XXXX, XXXX XXXX XXXX XXXX Account number ( XXXX ) Opened on XX/XX/XXXX, XXXX XXXX XXXX Account number ( XXXX ) Opened on XX/XX/XXXX and XXXX XXXX Account number ( XXXX ) Opened on XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information were erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX  Balance : {$440000.00} XXXX  XXXX XXXX Balance : {$100000.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Numerous ongoing unauthorized charges from XXXX XXXX and XXXX XXXX. I have sent 4 letters to Capital One, they reverse the charges, but then it appears on the next bill as a " transaction rebill ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  falsely reported payment dates on my credit report and also reported payments as 30 days late. The payments were not 30 days or more late. This company has their own system of how they report late payments. But credit bureaus can not acknowledge payments that were not 30 days or more late on my credit report as late payments. I have sent in documentation of my billing and payment history as well as disputed this twice through Equifax and they will not fix my error. They are saying that it was reported accurately. I recently sent them documentation proving otherwise in the company has yet to update it. All they say is XXXX is saying they Certify what they report is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my most recent credit report. XXXX XXXX, XXXX  and Experian currently reports multiple inaccuracies and unverifiable information onto my credit profile without permissible cause. 

The following inquiries are inaccurate and unverifiable : 1 ) XXXX XXXX- Date reported- XX/XX/2019 ; reporting without any permissible cause, no credit has been extended. Please remove this account at once 2 ) XXXX date reported- XX/XX/2019 ; reporting without permissible cause, no credit has been extended. please remove account at once. 

3 ) XXXX XXXX  XXXX- Date reported, XX/XX/2019 : reporting without permissible cause ; no credit or loan has been extended. Please remove this account. 

XXXX- date reported XX/XX/2019 ; reporting without permissible cause ; no credit line or loan has been extended. Please remove this account.
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX-affiliated schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly 70,000 students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts. 

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX
Product: Debt collection

COMPLAINT AGAINST : Zions Debt Holdings LLC I. Backstory : XXXX/XXXX/2023 ; I wrote to XXXX and XXXX credit bureaus to dispute the accuracy of my credit report on their records, specifically regarding two collection accounts that have been reported by Zions Debt Holdings LLC, with balances of $ XXXX and $ XXXX, respectively, under account numbers # XXXX and # XXXX. 

XX/XX/2023 ; XXXX by mail, sent me only the Investigation Results ; In both cases, its response was : Account information disputed by the consumer Meets the requirement of the Fair Credit Reporting Act. 

XX/XX/2023 : XXXX by mail, sent me only the Investigation Results ; In both cases, its response was : verified as accurate for both cases as well. 

II. Complaint : Although the alleged debt does not belong to me, I reviewed the XXXX XXXXXXXX XXXX XXXX XXXX website. I discovered that Zions Debt Holdings LLC must have the Collection License required by the state of Florida. Not fulfilling this law renders all their procedures XXXXl, and any information furnished to credit bureaus, including XXXX and XXXX, is unlawful. 

III. Request : I respectfully and formally request that this information be provided to XXXX and XXXX, in order to allow Zions Debt Holding LLC the opportunity to defend its position by showing the Florida Collection License. If Zions Debt Holdings LLC is unable to provide the Florida Collection License, it is my request that both XXXX and XXXX proceed to remove these collection cases from my credit report.
Product: Debt collection

I went to XXXX XXXX College in 2007. I withdrew after one month of school. <P/>I am pursuing an XXXX degree and i received information from The Dept of Education that Navient/XXXX XXXX placed a student loan from 2007 in default. I called XXXX XXXX/Navient at phone number XXXX. I advised them I have not received any communication about these loans and I did n't receive notification of default. The loans are not shown on my credit report either. She advised me I would have to call Pioneer credit because the loan was sold and if I was a clearance letter I would need to pay XXXX because the loan had collected over 9 years of interest. <P/>I would like to know why I never received notifications about this debt and all of a sudden I was put in default after 9 years. <P/>I was advised Financial aid covered my tuition at XXXX XXXX College. Per the school board there is no balance owed.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The company calls repeatedly at all times of the day. They have not responded to my request that I not be contacted.
Product: Credit reporting or other personal consumer reports

This complaint is an updated submission related to my previous complaint against Experian and XXXX. My original complaint did not include complete information about the debt inaccurately reported by XXXX XXXX XXXX. 

The original creditor for this debt is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, not XXXX XXXX XXXX. This account has been illegally re-aged and is listed with a false Opened Date of XX/XX/year>. The original delinquency date is over XXXX XXXX XXXX, making it time-barred under the Fair Credit Reporting Act ( FCRA ). Despite my previous disputes, the credit bureau has failed to verify the accuracy of this information, causing a XXXX drop in my XXXX XXXX and impacting my financial health. 

Previous CFPB Complaint ID : XXXX and XXXX Thank you.
Product: Checking or savings account

I was informed by PNC Bank today XXXX that the dispute PNC Bank customer service filed for me on XX/XX/XXXX was filed incorrectly. I had been talking to PNC Bank every day since XX/XX/XXXX. The whole time, I was told to wait for the dispute team to work on my case. I was reassured that I am ok since the dispute was filed quickly. Now I find out that the dispute filed was incorrect. A new dispute is filed today. 

I transferred {$210000.00} from PNC Bank saving account # XXXX to XXXX XXXX  on XX/XX/XXXX to open a CD account. I called PNC Bank to confirm the transfer on XX/XX/XXXX and XX/XX/XXXX. Then on XX/XX/XXXX, I was informed by XXXX XXXX  that PNC placed a fraud alert on the transfer and demanded the money back. Per XXXX XXXX, they rejected my money and will close my account. 

I called PNC Bank on XX/XX/XXXX to seek help. A dispute was filed by PNC customer service for me. I found out from XXXX XXXX  that the money was from PNC account # XXXX. That's not my account. I called PNC bank on XX/XX/XXXX and was told not to worry since a dispute was already filed. I called PNC Bank again on XX/XX/XXXX and was told to call back on XX/XX/XXXX to talk to the dispute team directly. 

On XX/XX/XXXX, I talked to PNC Bank and was told that the dispute team doesn't speak to customers. The customer representative escalated my case. I called PNC Bank again on XX/XX/XXXX for an update and was told to wait. I asked to speak with a XXXX. She called me on XX/XX/XXXX and told me that there was nothing customer service can do, but I can't speak with ACH team and can't speak with the dispute team. I just need to wait for the dispute team to work on my case. 

On XX/XX/XXXX, I talked to the PNC Bank fraud department. I report suspicion of fraud being committed on my saving account. Money came out of my account but XXXX XXXX  indicated that the money was transferred to them under account # XXXX. Fraud department couldn't do anything. The case was escalated to the executive team. 

On XX/XX/XXXX, XXXX XXXX XXXX ) called me and asked to get the ACH tracking number from XXXX XXXX to prove that XXXX Bank returned the money to PNC. I called and gave the information to XXXX. XXXX XXXX, he should hear from the dispute team/ACH team by Monday XX/XX/XXXX but he would update me by XXXX On XXXX, I called XXXX. He didn't have any update and told me to wait. By this time, I got upset and filed a complaint with CFPB. 

CFPB notified PNC Bank of my complaint. PNC Bank did more research and found out that the dispute filed on XX/XX/XXXX by the PNC Bank customer service was done incorrectly. So, a new dispute was filed today. 

Now, we are back to square one, another 10 days wait. Also, the risk of losing my money is big now. 12 days passed. All the time I waited for my dispute case was wasted.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I opened a XXXXXXXX XXXX XXXX to restore my credit history, I only used the card once, the was closed after I stopped using it and it still shows up on my credit report and I WANT IT REMOVED ASAP!!
Product: Credit reporting or other personal consumer reports

My information was involved in a data breach with equifax and Im also a victim of identity theft 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 XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX 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 1681 ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Equifax for several months in regards to removing closed on accounts on my consumer report. Equifax has not made any attempt to remove these accounts.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Requested On : XX/XX/2019, XXXX XXXX XXXX  Requested On : XX/XX/2019, SANTANDER CONSUMER USA Requested On : XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.