23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Since XX/XX/XXXX, I have contacted SantanderXXXX to catch up on payments I got behind on as a result of multiple tax levies post divorce. I received no response to at least monthly, sometimes several monthly, emails, until XX/XX/XXXX. I was given a modification packet, which I completed and returned. No response was received. I requested a status, got no replies, and in XX/XX/XXXX, was later given another package, which I completed and returned. Again, no response was received. In XX/XX/XXXX, I submitted the package through the portal, and was given a request to update. I updated all documents as requested. I complied with requests for updated profit and loss statements showing each employees income on XX/XX/XXXX. 
I called Santander XX/XX/XXXX, after receiving 2 letters dated 2 weeks prior to the postmark date, both of which had 14 day deadlines. I was allegedly sent a loan modification denial on XX/XX/XXXX, stating that my income, which is well over {$120000.00} per year, would not allow for a modification because the payment amount would be higher than it already was. I was emailed a copy of the denial on XX/XX/XXXX, and filed an appeal. It was sent via portal, email and USPS. No one has confirmed my appeal, and no one is responding to requests for an update. 

It is now 27 months after I requested information, and no resolution. Had Santander provided me with modification documents in XX/XX/XXXX as requested, not only would I have been far less in deficit, I would have been able to refinance in the last year, getting out of this horrible bank and taking advantage of a far better interest rate. 

I intend to do whatever I need to in order to keep my home, as they are now threatening to foreclose. They have failed to do anything they are supposed to under the federal guidelines, and unfortunately, it seems to be a pattern. No one acts until I threaten to file complaints with the appropriate authorities, so I am now forced to file. 
I have attached email chains to this document for review showing my constant attempts to contact them.
Product: Mortgage

Loan Care once again is deciding not to apply payments in order to get late fees. They have done this many times to us. We use an automated system to pay them so the money gets there at the same time every month. They will also log that they receive payment then refuse to/inconsistently apply the balance in order to charge more late fees. I once seen the un-applied balance go upto {$3000.00} which was 3 months worth of payments at the time. They have stated that they had fixed this the year before that {$3000.00} un-applied balance when i submitted my last cfpb report. 

Why do we not use loan care 's automated payment system? 
They have arbitrarily without notice refused us access to the system that would make the payment causing us to not only have a late payment but also dinging our credit scores. Using their payment system used to be our regular method of payment before this happened. Since then we use our banks automated system to send a check at the same time every month. 
And to be clear they told us the lockout had nothing to do with us or any outside actor attempting to gain entry to the account. It was however in response to a XXXX WITH a signed affidavit stating payments would continue to be made to loan care.
Product: Vehicle loan or lease

On XX/XX/XXXX, I made a payment of {$240.00} which has been debited from my bank account. 
This payment has not been applied as of today, XX/XX/XXXX I have made numerous calls to XXXX only to be told to check back in a few days I made an extra payment for the same amount on XX/XX/XXXX which has been applied but the payment that was debited on XXXX still has not been applied. 

I have also mailed a letter to XXXX XXXX on XX/XX/XXXX but still no reply.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am personally submitting this complaint without involving any third parties. I have included letters that outline the inaccuracies found on my credit report. The reports from Transunion, XXXX, and XXXX include incorrect information with varying and outdated dates.
Product: Checking or savings account

I enrolled in the online banking succesfully, but when I go into I cant see my checking account. Is like my account wasnt linked to my profile. 
My user id is XXXX
Product: Debt collection

I HAVE ASKED RESURGENT RECEIVABLES TO SHOW PROOF OF THE PURCHASE AGREEMENT BETWEEN THEM AND THE ORIGNAL CREDITOR THEY SENT STATEMENT TRANSACTIONS WHICH IS NOT A PURCHASE AGREEMENT ALSO ITS REPORTING AS A CHARGE OFF PER THE INTERNAL REVENUE SERVICE A CHARGE OFF IS CONSIDERED INCOME AND INCOME CAN NOT BE REPORTED AND A CONSUMER REPORT IF IT IS A CHARGE OFF WHY HAVE I NOT received A 1099C cancellation OF DEBT LAST THING THE DATES OPEN ARE ALL different which is innacucurate information being reported I am writing to formally dispute the above-referenced account, which you have reported to consumer reporting agencies. I believe that your company is violating my consumer rights by using false, misleading, and deceptive means in attempting to collect on this alleged debt. Additionally, you have failed to provide the disclosures required by law under 12 CFR 1006.34 ( d ), and you are in violation of 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), which governs your obligations regarding the accuracy of information you furnish to consumer reporting agencies.

Per 12 CFR 1006.34 ( c ) ( 4 ) ( i ), your failure to provide accurate and complete disclosure of all necessary information prior to furnishing details to consumer reporting agencies further substantiates the illegal practices you are engaged in. 

I am hereby requesting a validation of this alleged debt, as provided under the Fair Debt Collection Practices Act ( FDCPA ). This includes, but is not limited to : XXXX. A complete validation of the debt, including the amount owed, the name of the original creditor, and the detailed calculation of any alleged amounts. 
2. A copy of the purchase agreement between RESURGENT RECEIVEABLES LLC and the original creditor that outlines your authority to collect this debt!!!!. 

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 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 XXXX XXXX XXXX XXXX  Consumer disputes this account information Charged off account Account was in dispute- now resolved - reported by subscriber. Unpaid balance reported as a loss by the credit grantor. Charged off as bad debt Dispute resolved ; reported by grantor
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an email to my then apartment complex ( XXXX XXXX in XXXX, MD ) giving them official notice that we would be vacating our apartment on XX/XX/year> ( XXXX  days notice ). We were relocating to Colorado due to my job ( Federal government ). As a result of my transfer, my then husband became unemployed. This was a valid reason for breaking our lease based on the terms within the lease. I sent a follow up email to the apartment complex on XX/XX/year> trying to close the issue, however, it did not get resolved. 

They were trying to charge us for a lease termination fee as well as an improper notice fee. XXXX reason I was given is because they were trying to collect XXXX months worth of rent for the time the apartment would remain vacant, however, they were able to re-lease it right away. 

Upon receiving notifications from the collection agency ( XXXX XXXX ), I immediately contacted them and disputed the alleged amount owed. Fast forward to this year, I have repeatedly disputed this balance as it is on my credit report. Each time I have asked for back up documentation that supports the alleged amount owed ( {$7200.00} ), I receive the following response from them : Our records indicate we have previously provided you with validation of the debt based on the same dispute. As we have previously fulfilled our duty to provide you with verification, we do not plan to respond to any additional requests. 

They never provided the validation to me. For this reason, I am continuing to dispute this and now am filing a complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I asked you to investigate the inaccuracies on this account. You did not fix the inaccuracies in that investigation. So, on XX/XX/XXXX I asked you to re-investigate this account and fix the inaccuracies. After your re-investigation, you still failed to fix the inaccuracies on this account. I asked again to fix the inaccuracies on XX/XX/XXXX, and you still failed to fix the inaccuracies. So, now after asking you to fix the inaccurate and fraudulent data on my credit report XXXX times, it is still showing up inaccurately. You are showing that this account was charged off every single month from XX/XX/XXXX to XX/XX/XXXX. Obviously accounts can not be charged off XXXX times. This is intentionally fraudulent and re-aging my account. You did not fix this problem. Also, the credit report does not show ANY of my payments to this account. How can the balance go down if you don't know what my payments were? You need to show my payments and payment amounts so creditors can see my payment history. In addition you need to only show this his been charged off just XXXX. Due to the continued mistakes and neglect on fixing them for this account, I demand this account be deleted. This is highly injurious to my credit, it undermines the faith in the credit reporting system, is illegal, and against the FCRA statutes. I am demanding a deletion of this account. Failure to comply with this demand within the specified timeframe will leave me no choice but to pursue legal remedies, which may include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking damages through litigation. I look forward to your prompt response and resolution of this matter. Please confirm receipt of this letter and provide a written response outlining the steps you are taking to address this issue.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : XXXXXXXX XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Mortgage

With my understanding and research about foreclosures, they are ILLEGAL. This is heir 's property that was passed down to me and my wife i have evidence and of course the courts don't wants this information out. Plus they sold our plus they sold our mortgage without notification.
Product: Mortgage

We submitted a complete loan modification package with Ocwen Loan Servicing on our home mortgage. The response we received from Ocwen on XX/XX/2019, was a blanket denial stating that " The owner of your loan does not allow modifications. '' We know this not to be the case. In fact, the owner of our loan, XXXX XXXX, does allow modifications. While certain of its securitized trusts may have investor restrictions, a waiver can absolutely be granted if requested. Yet to our knowledge, Ocwen failed to request a waiver so that our package could be considered on its merits. We are both gainfully employed, demonstrate sufficient income to resume mortgage payments, and would welcome the opportunity to bring our loan current and save our home. It is worth noting that XXXX Co of  XXXX XXXX once remarked in a XXXX article that waiver requests from servicers " never happen. '' XXXX XXXX XXXXXXXX We would greatly appreciate if the CFPB would look into this matter for us and assist with our appeal in any way possible. 

Thank you.
Product: Credit card

I made a purchase for a tune for my car through ssi the guy was a jerk he lied played games the entire Time he emailed me the tune I had to ask him where he sent 5 times when I got the tune and installed it the tune was trash car didnt run right it smoke stalled and the maker was trying to blame it on my car but my car runs fine with the factory tune the mod that I did was ad a after market turbo with a turbo you have to change the map sensor to a 2 0r 3 bar map sensor this guy From ssi should have told me to go out and get a new one because its only a 1 bar your car wont even no the turbo on it with a 1 bar that I didnt find out until I took it to someone else to tune and had to do it so I was suppose to get 2 tunes and only got one the was complete trash so Bank of America gave me credit 1/2 a credit the guy breech of contract I should have got full credit just for breech but the tune was garabage
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

As stated in my last correspondence, Portfolio Recovery Associates has obtained this account as a result of material misrepresentation, fraud, & Identity Theft pursuant to 15 USC 1681 a ( q ) ( 3 ) and IC 35-43-5-3.5 & IC 35-38-1-2.5. 
XXXXXXXX XXXX did not legally obtain my consent to sale, transfer, assign, or disclose any non-public personal information pertaining to this account with Portfolio Recovery Associates or any other third part as regulated by 15 U.S. Code 6802 of the GLBA. Additionally, XXXXXXXX XXXX  failed to provide the consumer with FULL disclosure at the initial signing. Failure to provide FULL disclosure of material information that is known to be relied upon by the consumer is misleading, an unfair method of competition, and unfair & deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : Current Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Checking or savings account

I have yet to receive my paycheck, I literally live check to check in this tough economy and the fact that I havent received my hard earned money and the bank continues to ignore our phone calls even after over an HOUR on hold is completely unacceptable and abuse of customer rights. 

Capital One Bank shame on you and I look forward to joining a class action lawsuit against you.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these 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 item/accounts/information below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00}
Product: Checking or savings account

I HAVE OPENED AND ATTEMPTED TO MAKE A DEPOSIT INTO MY NEW ACCOUNT BUT THE TRANSFER FAILED DUE TO THE BANK ON MY END NEEDING TO ADD THE NEW ACCOUNT INFORMATION AND CREATE AN EXTERNAL BANK ACCOUNT. MEANWHILE, ETRADE HAS RESTRICTED MY ACCOUNT UNTIL THEY VERIFY ME. REALLY ETRADE? I HAVE HAD MY ACCOUNTS FOR OVER 20 YEARS AND NOW YOU WISH TO VERIFY. I DID CALL AND SPOKE TO A CSR WHO DID NOT KNOW WHAT HE WAS TALKING ABOUT AND REQUESTED DOCS TO BE SENT I SAID FORGET IT AND CLOSE THE ACCOUNT. HE INSISTED THAT I SEND THE DOCS. I AM NOT GOING THROUGH THIS AND SIMPLY WISH FOR ETRADE TO CLOSE THE SAVINGS ACCOUNT. I HAVE ALSO MADE SEVERAL ATTEMPTS CALLING ETRADE TO NO AVAIL. I HAVE ATTACHED THE LETTERS ADDRESSING THIS ISSUE AND ETRADE HAS SIMPLY IGNORED THE REQUEST AND FAILED TO RESPOND.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting

I sent a dispute letter to the bureaus ( XXXX, XXXX, and Trans Union ) this past XXXX 2015 requesting that they remove a XXXX debt of {$4000.00} that does not belong to me. They never removed the debt, but stated that it would remain in my credit reports. I investigated this debt and Representative XXXX ID # : XXXX/Branch # : XXXX at XXXX confirmed on XXXX XXXX, 2015 that they have no record of this debt in their system with my name, social security, nor address. Please, investigate and find out why the bureaus are not investigating debts properly and doing the job that they are responsible for ; which is resolving disputes as accurately as they can. Your attention to this matter would be greatly appreciated.
Product: Credit reporting

Equifax is reporting a judgment : XXXX/XXXX/2010 XXXX XXXX XXXX XXXX {$19000.00} This does not belong to me.
Product: Credit reporting or other personal consumer reports

I appreciate your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 have noticed that, even though the proof I have supplied shows that the information on one of the accounts on my credit report is false, the account is still listed as accurate. No changes or deletions have been made to the documentation that I previously supplied.

This inaction is a violation of 15 U.S.C. Section 1681i, a provision of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting organizations to thoroughly investigate and rectify any erroneous information. I'm asking for this false information to be fixed or eliminated from my report, as well as a reinvestigation.