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

On XX/XX/XXXX I notified all three major credit bureaus of a breach of my personal information both through the XXXX  Data Breach and the theft of my personal passport and affects on site at my work office. Late in the year I found that no locks were placed on my XXXX   and Experian reports. Identity theft including two fraudulent credit cards, a car loan and a car rental were placed in my name. Both XXXX  and Experian made it difficult to access my credit reports directly through their agencies, this was off for me because I could access XXXX through XXXX and Experian through a third party site as well. Over the last twelve months I have had to send correspondence requesting corrections to my credit report from incidents resulting from the breaches notified to their agency previously. On XX/XX/XXXX, XXXX and XX/XX/XXXX and XXXX of this year ( XXXX ) I have continued efforts to correct my credit report which resulted in majority of the accounts to be removed however XXXX denies my right to contest the 30+ inquiries that they refuse to block from my credit report that were allowed while I had a credit freeze on my report. My request for the reporting agency both XXXX and Experian have yielded NO documented investigation practices, nor the results of the disputed inquiries. Upon calling the agencies they disclose that even thought the inquiries were fraudulent that they must remain on my credit report. I have provided the laws and regulations highlighted in my disputes and police reports and an FTC fraud report. All of which have proven to be unsuccessful in XXXX, and Experians high and might oversees customer service team which refuse to correct my report.
Product: Vehicle loan or lease

SANTANDER CONSUMER AT XXXX XXXX XXXX XXXX XXXX , TX XXXX.  HAD BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT XXXX. THE COLLECTION HAS BEEN REPORTER AS PASTED DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTACT WITH MY SIGNATURE
Product: Credit reporting or other personal consumer reports

My Equifax report has been reporting inaccurate information on my consumer report. My XXXX  account has been paid off for over a year and I have wrote to Equifax to remove but they have failed to do so. Equifax is required to report FAIR AND ACCURATE information on my consumer report. I demand the account be updated to paid or be romoved.
Product: Credit reporting or other personal consumer reports

I have sent numerous letters certified mail addressing my report to updated and score be availble to me. Blocking me out of the online system, and not properly codes of viloations XXXX. How did report # XXXX get removed out the system and why? XXXX. Any reports remaining closed I need to get a 1099 form by law. : I am writing to formally dispute inaccurate credit information that appears in my TransUnion credit report. It has come to my attention that my credit score and other reporting details do not match those provided by other credit bureaus, which is a violation of the Truth in Lending Act ( TILA ) and the Fair Credit Reporting Act ( FCRA ). As you are aware, consumers have the right to accurate and consistent reporting across all credit bureaus to ensure fair access to credit opportunities. 
Specifically, I have noticed significant discrepancies in my credit score as reported by TransUnion compared to other major credit bureaus. Such inconsistencies create unfair disadvantages when applying for loans, mortgages, and other financial services. Under TILA, lenders rely on this information to assess creditworthiness, and any incorrect reporting directly affects my financial stability and borrowing ability. 
I request that TransUnion promptly investigate and correct the discrepancies in my credit file. Please provide a detailed explanation of why my credit score and report differ from other credit bureaus and what actions you will take to rectify this issue. If necessary, I am prepared to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 
I kindly ask that you respond to this request within XXXX  days, as required by law. Please provide me with a written confirmation of the corrective actions taken. You may contact me at the information provided above should you require additional details.
Product: Mortgage

My home was sold without my knowledge. The loan was sold many times and the loan servicers did not accept payments.
Product: Mortgage

I filed a previous complaint # XXXX. The company responded on XX/XX/XXXX. However, they failed to send me a copy of their response. Their response is focused on their interaction with the loan owner rather than addressing whether or not they violated my rights as the Successor-In-Interest ( SII  ). 

They stated that in XXXX, I " submitted documents to review the account for modification assistance, however, each time the modification review was cancelled as you failed to submit the requested documents within the stipulated time frame to proceed with the modification review. Enclosed are the copies of the cancellation letters for your review. '' The cancellation letters were never received because they were sent to the wrong address. The address on the application for modification is clearly the addresss of the property not that XXXX. XXXX. Hence, I never received any documents and can not be held accountable for not receiving documents. In addition, when I contacted the company they refused to allow me to check on the status of my application. ( See attached email dated XX/XX/XXXX. ) They further stated that there were no calls or written correspondence from me from XXXX to XXXX. That can not be true given that my name is not on the loan and I was unknown to them until I submitted my divorce decree in XXXX and subsequent correspondence. In addition, if there was no calls or written correspondence from me then how on earth were they able to sue me for forclosure in XXXX. Then dismissed the case without prejudice when they realized I was not on the loan. 

In their response they stated, " Upon review of the court order, on XX/XX/XXXX, you were added as teh Successor-In-Interest ( SII ) on the account. '' However, they provided no documentation of such letter for review. The letter was sent in XX/XX/XXXX which I attached to the previous complaint as evidence that they violated my rights. 

Documents that should have been sent to me were sent to the wrong address. And the other documents were to Mr. XXXX pertaining to his trial modification plans that I had no knowledge of. Hence, I can not be held accountable for that information especially since they company refused to provide me any information on the account. Even the PHH Ombudsman sent a letter in XX/XX/XXXX stating they could not provide me information on the account. 

They stated they received documents for modification assistance which is currently under review. You will be provided withthe outcome shortly. '' Ironically, the next day a letter dated XX/XX/XXXX denied the modification. However, the did not evaluate a Repayment Plan. And I did not receive the letter by mail. I just happened to call the company because the 30 days were up. Had I not called, I would have no knowledge of the letter and I would have missed an opportunity to appeal. 

Lastly, the question that has not been addressed is ... Did PHH violate my rights as the SII and did they comply with the CFPB regulations regarding SII policies? Yes, they did.
Product: Debt collection

I called to make a payment, short version the man decided to tell me I had a attitude for asking questions. The manager was just as insufferable. The absolute worst people Ive ever had the displeasure of speaking with. These people ( that term used lightly ) behave as they are above you because you owe money. I actually find that funny as a majority of America has debt, that being besides the point they are awful miserable individuals who have no business working with people. I am in awe of this company in the worst way possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer complaint is filed because there is a negative credit item that was charge-off, but remains on my credit report beyond 7 years from the date of first delinquency. Any collection agency that may end up with the charged-off account must comply with that same Date Of First Delinquency. 

Be advised that a dispute was filed with XXXX, Transunion, and XXXX credit reporting agencies alleging that XXXX XXXX XXXX 's tradeline is being reported by XXXX XXXX beyond 7.5 years. See EXHIBIT-1 and 2. 

1. Between XXXX and XXXX XXXX XXXX XXXXXXXX reported to XXXX that the Date Of First Delinquency is XXXX XXXX. Accordingly, XXXX in response to my notice of dispute has removed all references to XXXX XXXX XXXX XXXX account number XXXX, in compliance with FCRA. 
2. However, TransUnion and XXXX declined to remove the negative account as required by the FCRA 7.5 year requirement. Therefore, we ask the CFPB Tribunal to compel Transunion, and XXXX to reconcile my credit file as to account number XXXX to be consistent with that of XXXX. 
3. XXXX XXXX XXXXXXXX sold account number XXXX to XXXX XXXX as of XXXX/XXXX/XXXX which clearly state the intent of XXXX XXXX XXXXXXXX and its expressed date of first delinquency as " XXXX XXXX '' which also applies to XXXX XXXX account number XXXX as well. 

4. XXXX XXXX has changed the Date Of First Delinquency by erroneously suggesting and reporting to the CRA 's that a loan modification has taken place between XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX. No such modification occurred as XXXX has correctly reported, the XXXX is ( XXXX XXXX ). 

5. Be advised that the original creditor, XXXX XXXX XXXXXXXX 's tradeline no longer appears on the same credit report that the collection agency, XXXX XXXX 's tradeline appears on. 

6. The account has been illegally re-aged. Under no circumstances should a collection account for a debt remain on a credit report after the original creditor 's tradeline has aged off the report. The reporting period applies to both the original creditor and its collectors simultaneously. If no original creditor on any of your credit reports matches the collection account, the debt has been re-aged.
Product: Money transfer, virtual currency, or money service

Dear PayPal Support, I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account XXXX. I believe that this limitation is a result of a mistake and would like to bring the following points to your attention : Mistaken Limitation : I strongly believe that my account was mistakenly limited. I have been a loyal and responsible PayPal user for several years, and I have never engaged in any activity that violates PayPal 's policies. It is disheartening to find my account limited without a clear explanation or proper investigation. 

Compliance with PayPal Policies : Throughout my usage of PayPal, I have always ensured strict compliance with your platform 's policies and guidelines. I have never been involved in any fraudulent or unauthorized transactions, and I always strive to maintain the highest standards of integrity in all my PayPal transactions. 

Request for Re-investigation : I kindly request PayPal to conduct a thorough re-investigation of my account 's activity. I believe that upon closer examination, you will find no violations or irregularities associated with my account. I am confident that this re-evaluation will demonstrate my adherence to all PayPal policies and restore my account to its fully functional status. 

I understand that PayPal has a duty to protect its users and maintain a secure platform. However, it is equally important to ensure that actions taken are based on accurate information and justifiable grounds. 

I am kindly requesting a prompt review of my case, as I heavily rely on my PayPal account for various personal and professional transactions. Restoring my account would allow me to continue utilizing PayPal 's services efficiently and securely. 

I sincerely appreciate your attention to this matter and your commitment to resolving account issues fairly. Please feel free to reach out to me if any additional information is required for the investigation. 

Thank you for considering my appeal. I eagerly await a positive resolution to this matter and the reinstatement of my PayPal account. 

Sincerely, XXXX XXXX
Product: Credit reporting

In XXXX a false tax return was filed as a joint return in my name and someone elses i followed all procedures for reporting identity theft with all federal and local authorities. There is numerous false delinquent debts listed on all three of my credit reports i did previously contact XXXX of the credit agencies nothing was fixed. In XXXX i received another attempt of id theft allegedly the IRS stopped it the thief was found and convicted yet nothing has been fixed on my credit reports preventing me from loans a house and several jobs. All documents supporting my case are available as public information from the federal case against the convicted individual who stole my identity
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, 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. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry XXXX inquiry Date XX/XX/year> 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my debit card was compromised. Upon fraudulent activity, I canceled the card, before I received my new from XXXX XXXX, all my social security benefits were stolen. I'm XXXX and feel violated. I went on the Equifax impact site and learned my sensitive information was impacted. On XX/XX/XXXX, I was informed that I am on the XXXX data breach as well. My old email was breached and now I am at a lost for words. They even tried to change my home address. I became paranoid and afraid that someone knew my home address. My XXXX and XXXX was and still is unbearable.
Product: Credit card or prepaid card

I got synchrony bank XXXX XXXX card. They never informed me that my promotional interest expired. I had it set up on automatic payments. I opened my statement and realized that I have been charged 27 pct apr for the past 2 years. They should send a physical letter informing customer that promo period has ended and u going into interest period if u dont pay in full. They trying to tell me that it was mentioned in one of the statements but they well know that when u have on auto pay no one looks at the statements and hence they should be sending letters. I basically paid interest for two years at 27 % apr which In itself is super high. When I realized they have been openly stealing from me i repaid in full. This product is really pushed by dentist and other doctors and the way Symphony communicates or rather doesnt - they encourage u to go paperless and automatic it gets American consumer further in medical debt. Basically my procedure cost me 50 pct higher than original cost. This must end
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports I noticed that I had one late payment on an account that I was never late for. The consumer report agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of ( XX/XX/22 ). Please investigate and provide proof with the statements showing that these payments were late. If proof can be provided I demand these payments the updated to pay as agreed on time as they should be due to the fact that I was never late. Thanks! Please see screenshot attached :
Product: Credit reporting or other personal consumer reports

The company is XXXX XXXX. My XXXX monthly payment was supposed to come out of my account but it didn't so I was considered XXXX  days late. The credit bureaus dropped my credit scores by XXXX points which I don't understand how could XXXX  day late drop your score by XXXX points. There has to be something that could be done to credit bureaus to drop anyone 's score that low. I know there have to be some law to stop these horrific scores from effect a person 's credit for XXXX  day late. Can you please help? 

Thank you
Product: Credit reporting or other personal consumer reports

After reviewing my credit file I noticed numerous fraudulent inquires I did not approve or have no knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone using my information to take out loans and the location where its done I dont even live there
Product: Credit card or prepaid card

I have a CARECREDIT card that was utilized in two separate transactions. I set up an auto-pay for well over what would have been needed to pay off the first purchase in the " promotional period ''. I then noticed on the next to the last statement that the payments are not applied in such a manner that the promotional balance is being paid off first ( which is convenient for the credit company due to their strict language of penalties if not paid off ). I then sent in an additional payment and indicated on the check and on the bill statement that the payment should go the promotional balance ONLY. I went ahead and called just to make sure that this was done according to my wishes. The customer service rep told me that they will ONLY apply to one balance over the other IF you call to request this. I was told that only because my promotional period was not expired yet that they would do this for me. I subsequently looked at the reviews online and see that this is an ongoing issue for many poor people looking to get help with our exorbitant health care costs. It is a shame that companies like this are able to take advantage of us. Nowhere on the statement does it say that you have to CALL in order to apply to the correct balance. I am not out any money because I am conscientious, unlike many of the poor souls that I read about on the credit rating companies. This should be stopped.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Per FCRA as a federally protected consumer I am now opting out of any and all authorization. I the consumer may have given you written, unwritten, verbal, and nonverbal permission 15 USC 6802. Charge off is considered a certificate of indebtness it is income it must be removed. It is illegal to report transaction history via 16 CFR 313.7, 15 USC 6802-6805, and Privacy Act of 1974.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are not mines, and my request are for them to be removed, I understand what inquiries are, and understand me when I say I did not apply for neither, .. XXXX/ XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX - XXXX XXXX, XXXX ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

Despite being obligated by law to issue a Form 1099-C to individuals whose debts have been canceled or forgiven, I have not received any such document from your collection agency. This failure to provide proper documentation for the cancellation of debt represents a violation of the Internal Revenue Service ( IRS ) regulations, which mandate the reporting of such events as taxable income.

According to the IRS guidelines, a 1099-C is intended to document and report cancelled debt as income. This information is crucial for individuals to accurately report their income to the IRS, thereby ensuring compliance with federal tax regulations. As income plays a significant role in financial decision-making, it is equally important that this information be reported accurately to credit reporting agencies.

As a consumer, I understand my responsibility to be transparent with my financial information. In line with this, it is imperative that collection agencies fulfill their legal and ethical obligations, which include providing the appropriate documentation for tax reporting purposes. By neglecting to supply the 1099-C, your agency has denied me the ability to reconcile my income accurately and adhere to the required reporting standards.
Product: Credit reporting or other personal consumer reports

Experian has neglected to correct missing account data and Experian neglected to align with the FCRA and continues to violate FCRA 15 USC 1681 & FCRA 15 USC 1681i. They have claimed to investigated several times yet refuse to update or remove these items. Experian intentionally reports items without thorough verification and accuracy. Legal action will be the next steps. 


XXXX- Delete/ Remove/ Do not report Account 1. The balance, updated balance, recent payment, close date, monthly payment, and term data is missing? 
2. Who is the original creditor? 
3. What was the payment amount in XX/XX/XXXX? 
4. What was the payment amount in XX/XX/XXXX? 

XXXX- Delete/ Remove/ Do not report Account 1. The balance, updated balance, recent payment, close date, monthly payment, and term data is missing. 
2. Who is the original creditor? 
3. What was the payment amount in XX/XX/XXXX? 
4. What was the payment amount in XX/XX/XXXX? 
5. What was the recent payment amount?
Product: Credit reporting or other personal consumer reports

XXXX XXXX as for a purchase agreement to validate the account no respond XX/XX/XXXX XXXX ask for a purchase agreement to validate the account no respond XX/XX/XXXX XXXX purchased agreement to validate the account no respond