23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The Creditor XXXX XXXX XXXX  is not licensed to collect a debt in the state of XXXX  per the nmls consumer access they are not the collector of a debt that start with XXXX XXXX XXXX the moved to XXXX XXXX XXXX then moved to this office but XXXX XXXX XXXX is reporting negative collections on my credit report when I call number listed on Experian XXXX XXXX XXXX states they no longer have my file and they can not access my records and I need to call the law office of XXXX XXXX XXXX XXXX. So if this law office has my file how are you legally reporting information to Experian and XXXX and how is XXXX and Experian verifying a debt that is no longer being reported to your office how was this debt for national credit verified and validated if another collection agency has the same account after reading so many complaints about this law office and national credit system I dont understand how an full investigation on their collection tactics and bad business practices by XXXX XXXXXXXX XXXX and the reporting agencies such as Experian and XXXX have be investigated for failure to comply with the FCRA requirements and laws Might I added supporting stated a balance of XXXX when I began to dispute the balance as Inaccurate and incomplete which is violation of 15 usc 1681 questioning why is XXXX they sent a document with added a fee on XX/XX/2022 of XXXX as a collection fee. I also spoke to XXXX XXXX XXXX contact XXXX at XXXX XXXX of XXXX XXXX XXXX pc she supplied me with his email bc she was also confused as where the additional XXXX was added from I sent multiple emails on my concerns and there was no response i later called back and she was very unconcerned and ready to Release the calls when I pointed out the violation of the FCRA laws bc it was time for them To leave for XXXX  Day weekend instead of attempting to Right what has been done wrong to my rights to a fair and complete and accurate credit report Per the Nmsl consumer access website
Product: Mortgage

In XXXX, we sold our home and closed our mortgage, which had been serviced by BB & T. BB & T was supposed to send us our remaining funds held in escrow. BB & T claims that they did so on or about XXXX XXXX. However, we never received the funds. After XXXX calls to the company in the late-XXXX time-frame, we were advised that we could call on or after XXXX XXXX in order to have the check re-issued without penalty. We did so. A replacement was allegedly sent to our new home address on XXXX XXXX. As of XXXX XXXX, we have still not received the escrow funds amounting to over {$4900.00}. After another call to the company, BB & T claims that we can wait again until XXXX XXXX to have a replacement check cut again without penalty. However, the company has offered no proof that the checks were ever transmitted before, no willingness to waive its " penalties '' ( which are likely booked as profit ) to re-cut the check and no interest in providing us with tracking information to confirm that the check is mailed or received.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA states that all information reported on a credit report must be % accurate and complete or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. 

Date Opened : Credit Limit : Last Reported : Date Last Active : Date of Last Payment :
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$110000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$110000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$110000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  Balance {$5500.00} Date Opened XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have an auto loan with XXXX XXXX account XXXX XXXXXXXX and its almost paid off. I owe about {$4300.00} on it have been making payments to pay it off. Recently I checked my credit report and they have reported my XXXX charged off and I dont understand how or why. I just spoke to a rep last week when I set up a payment and they never said my account had been charged off except I was XXXX days late. So how is my XXXX  being charged off?? This happened after I disputed my XXXX being XXXX  days past due which was incorrect and I guess they didnt like that and decided to charge my XXXX off even though they were getting payment and my XXXX wouldve been paided off this year. My credit score had went down on Equifax for them reporting my XXXX charged off when it shouldnt be. I proof of sending payments and I had just spoke to a representative last week when setting up my payment. My XXXX wouldve been paided off this year and XXXX XXXX had the title. I dont understand how they can do this to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items is being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DEPT OF EDXXXX XXXX XXXX opened XX/XX/XXXX Balance {$2300.00}, DEPT OF EDXXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$240.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$460.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX XXXX {$4600.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, and DEPT OF EDXXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Debt collection

We had auto payments setup for our auto load form TD bank. Twice the auto payments got removed form our account causing us to incur late fees and to report negative stuff to our credit report. The reps told me there is a bug in their system with business accounts and auto payments. I am requesting to remove the report form my credit report and refund the late fees
Product: Debt collection

Two complaints have been filed against SANTANDER CONSUMER USA ( # XXXX & # XXXX ). 



SANTANDER CONSUMER USA have violated my rights as a consumer therefore, a CEASE AND DESIST letters were sent. However, the debt collector SANTANDER CONSUMER USA is threatening to repossess the vehicle associated with the referenced account listed in the prior complaints.

By SANTANDER CONSUMER USA using profane language to repossess the property referenced is a violation of my consumer rights -- pursuant to 15 USC 1692d ( 1 ) ( 2 ).

As one can see in the attached content, SANTANDER CONSUMER USA has violated my rights as a consumer -- pursuant to 15 USC 1692e ( 2 ) ( A ) ( B ) because a false representation of amount of the debt as well as making an attempt to receive compensation by SANTANDER CONSUMER USA, a debt collector for the collection of {$1700.00} sent to the address ( XXXX XXXX XXXX XXXX XXXX, TX XXXX ). 

As mentioned before, letters were sent -- pursuant to 15 USC 1692c ( a ) no prior consent of the consumer ( myself, the natural person ) was given directly to the debt collector. Furthermore, SANTANDER CONSUMER USA may not communicate with the consumer in connection with the collection of any debt. Here is where SANTANDER CONSUMER USA violated my right as a federally protected consumer. 

The letter sent on XX/XX/2021 contained more violations committed by SANTANDER CONSUMER USA. 

First of all, the symbol of the debt collector is visible on the upper left hand corner of the content attached in this complaint -- pursuant to 15 USC 1692b ( 5 ) my right as a consumer was violated by including a symbol indicating that SANTANDER CONSUMER USA is in the debt collection business. Not to mention that at the very bottom of the content, it reads, " SANTANDER CONSUMER USA IS A DEBT COLLECTOR ... THIS IS AN ATTEMPT TO COLLECT YOUR DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE ''. 

Secondly, SANTANDER CONSUMER USA stated that the total amount now due is {$1700.00} which is a violation of my consumer right -- pursuant to 15 USC 1692e ( 2 ) ( A ).
Product: Debt collection

A group called Chainlink Services LLC keeps contacting me about a debt with XXXX, but I believe it may be from a fake company. They've been using intimidating language with me ( claiming that " we'll have to report your non-response to our client and it won't look good for you '' among other things ), and calling me repeatedly from different numbers, such as XXXX, XXXX, XXXX, XXXX, and several others, often several times a day. They also did not give me any information about the debt in writing nor give me a chance to dispute it. 

At first, they seemed legitimate, so I gave them my information, but when I asked about their online portal so I could make payments online, they told me they don't have one and only operate over the phone. Now I'm scared I may have given my info to scammers, although no money has been taken out yet. I did pay them XXXX dollars through a credit card, but thus far no other money has been taken.
Product: Vehicle loan or lease

Issue with loan co-signed by another party. 
Unnecessary checking/savings fees
Product: Debt collection

XX/XX/XXXX, XXXX XXXX Re cause no. XXXX TD Bank USA, Target VS They call my job every single day for my wifes old debt of XXXX from XX/XX/XXXX! 

They also have stated they want to take my wages and property. They have demanded I give them an inventory list of my personal property and wages so they can have them. 

They have demanded I give them my bank account information and details about my home. They even want know how many family pets I have, paintings, tools, and kitchen appliances. 

They also have demanded to know my salary, the name of my boss, and when my pay day is. They have made it appear that I will go to jail if I do not give them this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent account reporting under Equifax credit reporting agency, I have disputed several times and even with a FTC Affidavit validating the fact that i had been a victim of ID theft, yet they are not being helpful at all ; therefore, have no way of finding out whether or not what the situation is about my disputes and a fraudulent account. The fraudulent account I have disputed with Equifax are listed in the attached letter I originally sent them, please assist me in making sure that the Fair Credit Repoting Act Section 605b is upheld by Equifax Inc., A private entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in question is XXXX XXXX XXXXXXXX. I disputed this account, and nothing was sent to me to legally verify this account. Experian is in violation of the FCRA. I am exercising my rights under FCRA 611 ( a ) ( 7 ). I requested a method of verification along with a re-investigation. Experian did not comply with my request for method of verification. On XX/XX/XXXX I disputed this item via mail asking Experian to verify the item was accurate. XXXX they advised it was verified but did not provide any information. On XX/XX/XXXX I sent a letter in asking for proof of verification. The status on my report has not changed and again no proof of verification was provided. On XX/XX/XXXX I sent a third letter via mail, asking for proof of debt and validation. On XX/XX/XXXX the system was notated that no changes were made. I am requesting this account be removed from my credit report, as it is not accurate, has not been verified and is negatively impacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank has been trying to access my trans union credit report. I have called Transunion 5 times on XX/XX/2022 to lift the freeze. XXXX XXXX says my filed is still locked. I was also advised by Transunion that the have two files for me with duplicate personal information and different TIN number. My correct TIN is XXXX not XXXX. The XXXX is my XXXX  checking number. I included a copy of check for reference.
Product: Mortgage

Wells Fargo entered a contract with my husband and I to refinance our current mortgage with Wells Fargo ( WF ). We had a cash-out mortgage two years ago and have since paid off half the mortgage ; we wished to refinance the balance with XXXX arm at 3 %. We locked into this agreement with WF on XXXX XXXX with the intent to close early XXXX. After repeated phone calls and emails to XXXX XXXX at WF regarding closing dates with no response I contacted his boss, XXXX XXXX. The next day I received a call XXXX XXXX from XXXX saying the could not do the loan because only a fixed term loan is possibly with a cash-out mortgage. XXXX cited Texas law as the reason why : Section 50 ( a ) ( 6 ) specifically via email. Please note, we were supposed to have closed on this refinancing the week before AND WF credit had reviewed the title report two weeks prior but Wells did nothing. 

The problem is that is a lie and the arm product we had locked in our agreement is completely permissible to use. WF has an internal policy that they do not allow arm products with cash-out mortgages. However, since XXXX and his boss, XXXX, did not do their due diligence they entered into a contract with us and then three months later -when the market had shifted higher - said TX law prohibited it. XXXX later emailed back saying to disregard the first explanation and that it was an internal Wells Fargo policy. 

WF offered us a 30 yr fixed at 3.75 % then adjusted down to 3.65 % with no other concessions. The later admitted they made multiple mistakes and would offer us a XXXX credit on the closing amount. Over a seven year period, Wells Fargo will cost us a minimum of {$13000.00} for the difference between the two mortgage products.
Product: Money transfer, virtual currency, or money service

I used PayPal Friends and Family to pay an " XXXX XXXX '' {$250.00} which cames to {$260.00} after fees, who coincidentally has the email " XXXX " As soon as I sent her the money via PayPal I have not received the goods I paid for and she has not returned any of my messages back. I have screenshots of our conversations as proof of purchase and proof of her not resonding anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this fraudulent account with EQUIFAX for months now. They have violated my rights and continue to do so! I don't understand what EQUIFAX is doing with my records but they are using my information and furnishing fraudulent information to harm and damage my reputation. On XX/XX/2021 I notified EQUIFAX by post mail of the information needing to be deleted immediately. I got a confirmation from EQUIFAX that the account had been in fact deleted. I received this confirmation TWICE! See exhibit A for proof. I received a copy of my consumer report today, XX/XX/XXXX, and have found that EQUIFAX has AGAIN furnished this account on my report! I have never received any notice from EQUIFAX regarding this action nor did I ever authorize or give consent to EQUIFAX to furnish this information. THIS IS IMPROPER USE OF MY CONSUMER REPORT!
Product: Credit card or prepaid card

I am resubmitting a dispute regarding CFPB case # XXXXCapital One case # XXXX. On XX/XX/2021 Capital One sent a letter stating that they permanently credited my account for the full amount of the disputed amount of {$510.00}. This letter was uploaded to the CFPB website. On XX/XX/2021 I received a letter from Capital One that I was being charged {$250.00}. I called on XX/XX/2021 to review and reconcile my account/statement dating back to the original charge of amount of {$510.00} with a fraud and dispute supervisor, XXXX, agent code XXXX. These were the findings and the account reconciles as of XX/XX/2021 ( See below ). After the reconciliation with XXXX, I do not owe Capital One {$250.00}. This is an error on Capital Ones part and I am asking that they REVERSE the CHARGE of {$250.00} posted XX/XX/2021 late evening. 

Charged XX/XX/2021 {$510.00} original charge Credited XX/XX/2021 {$250.00} Charged XX/XX/2021 {$250.00} Credited XX/XX/2021 {$250.00} Charged XX/XX/2021 {$250.00} Credited XX/XX/2021 {$510.00} Credited XX/XX/2021 {$250.00} Charged XX/XX/2021 {$510.00} Charged XX/XX/2021 {$250.00} Credited XX/XX/2021 {$250.00} Credited XX/XX/2021 {$250.00} Total charged {$1800.00} Total credited {$1800.00} I called on XX/XX/2021 to speak to XXXX fraud and dispute supervisor. I spoke to XXXXand XXXX who tried to reconcile my account. Apparently the agents count the number of charges/transactions versus the number of credits and do not reconcile the total amount of charges in dollars versus/compared to credits in dollars. I thought the case was closed back on XX/XX/2021 now Capital One OWES ME {$250.00} nearly four months later.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX Dear XXXX I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer.

As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter.

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

CFPB Complaint against Credit Reporting Agencies Text ( separate complaint filed w/all 3 bureaus : XXXX, TransUnion, and XXXX ) XXXX What happened : I have Identified 4 Fraudulent Charge Offs and Collection accounts on my FICO credit score report Consumer Name : XXXX XXXX XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/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 XXXX, TransUnion, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX of XXXX account number XXXX, XXXX XXXX Purchases on XX/XX/XXXX account number XXXX and XX/XX/XXXX of XXXX account number XXXX, accompanied by XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Car Insurance account opened on XX/XX/XXXX of XXXX account number XXXX. All have turned into Charged Offs and Collections which resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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: Debt collection

Resurgent Capitol Services and LVNV Funding LLC. Reference ID XXXX. 

The above listed company purchased a debit from XXXX XXXX XXXX. The account was opened in my social security number and name, which is identity theft. The police was notified and a report was created. XXXX XXXX was notified and still continued to harass me for payment. The company then sold the account to the mentioned company above and now they have been informed of the situation and has not responded as the item continues to remain on my account. I would like the item to be removed as it is affecting my credit and purchasing power.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX, I notified XXXX, XXXX and Transunion of fraudulent activity on my credit report with XXXX XXXX XXXX multiple accounts fraudulently reporting and XXXX and XXXX XXXX hard inquiries fraudulently acquired without my permission. As of today, nothing has been done. I 've provided XXXX and XXXX with requested info such as police report, identity theft affidavit, FTC identity theft report and more but Transunion, XXXX and XXXX have not deleted inaccurate accounts and inquries off my credit report. XXXX XXXX XXXX accounts are not mine. XXXX, Transunion, and XXXX has not complied after I have complied by provided proof those accounts are not mine or permanently deleting them off my report. They have repeatedly violated my rights as a consumer and are in violation of crediting reporting laws.D