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

Experian has been notified by me in letter form as well as here on the CFPB platform of serious violations of my consumer rights. These items include violation of 15 Us Code 1681e ( b ) and 15 US code 1681i ( 5 ) which states that items on my report must be 100 % accurate. Three items violate this consumer law and Experian has ignored my attempts in notifying them of this violation by ignoring my letters and by making a blanket statement of verification when they have not provided how these items are being verified or if they have any of these items contract with my wet signature proving that this is in fact verifiable as My account. Also, Experian is violating 15 Us code 1681b by reporting a Collection/Charge off with a balance on my account. This is a huge violation because 15 us code 1605 states that companies have Insurance built into their finance charges to protect lenders which means if this is a collection or charge off the company has received compensation and should have sent me a 1099c for this canceled debt. I have never received this 1099c but I am still having an issue with Experian reporting this to my Credit profile. These violations can not go unnoticed and I will file a lawsuit.
Product: Checking or savings account

On XX/XX/XXXX, I noticed a charge for {$120.00}, XXXX XXXX. I thought my USAA debit card had been compromised. I called USAA and reported the transaction as fraud. While on the phone with the fraud department at USAA, I realized the charge was my membership renewal and requested the complaint to be canceled. The agent I spoke to on the evening of XX/XX/XXXX, said she would annotate to cancel the request. Obviously it was not canceled and XXXX was infromed of the fraudalent charge. I called XXXX on XX/XX/XXXX, when I noticed that my membership had not been renewed. The agent I spoke to informed me that they received a fraudulent notice and issued a credit on XX/XX/XXXX. I informed her that I did not see that credit on my USAA account. She then proceeded to tell me that I needed to contact my bank. I called USAA and they informed that a credit had not been issued and I needed to contact XXXX. I called XXXX back and spoke to XXXX, he informed me that a reverse charge had been made on XX/XX/XXXX, to a XXXX XXXX XXXX  ending in XXXX. I informed him that I did not have a XXXX XXXX  and the charge was made to a USAA debit card ending in XXXX. He said it was an agent typo. But he said he would escalate my issue and get back to me. That evening he sent me an email that the credit had been issued and I needed to contact my bank. I want my {$120.00} owed from XXXX, they took the money ; therefore, they need to give it back.
Product: Vehicle loan or lease

I paid my account in full and I recieved my title to my vechicle XXXX week later with statement that my account was paid in full, some months laterI was informed that I have a balance of XXXX dollars.
Product: Mortgage

On XX/XX/2019 I received a cancellation notice for my homeowners insurance. When I contacted them for an explanation I was told that Fay Servicing has not submitted payment. The loan is escrowed and this should not be happening. The loan is in my deceased mother 's name and the deed is in my name along with the homeowner insurance. I reached out on XX/XX/2019 to Fay Servicing to get an explanation as to why the insurance hasn't been paid they refused to talk to me because I am not authorized on the account. I have provided my mothers death certificate, proof that I was the executive of the estate, and a copy of the deed in my name but this is not enough. Fay Servicing is forcing me to give my birth certificate and has not provided me a valid or legal reason. 
Fay Servicing in forcing me to pay for an insurance policy that I didn't choose because they refuse to pay the insurance company I already have. 

If it is not paid by XX/XX/2019 my insurance will lapse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX, US DEPT ED. Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXXXXXX, XXXX.
Product: Mortgage

Second Complaint - The deferment has not been placed on my account as promised on XX/XX/2020. I made all of the payments as promised. I called Fay Servicing on XX/XX/2020 to find out a late fee was placed on my account. I spoke to XXXX XXXX and asked to speak to XXXX XXXX, VP and to no avail. The need for a full investigation is needed in order to make sure Fay Servicing is following the law is needed in order to protect Consumers doing this Pandemic. I do not want my credit affected by the negligence efforts by Fay Servicing. I'm demanding late fees and late payments be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Subject : Account Dispute Against SANTANDER CONSUMER USA I am writing to file a formal complaint against XXXX  XXXX XXXX  due to the lack of response to a credit dispute letter I sent on [ XX/XX/2024 ]. 
I am writing you this letter regarding payments that were marked late by your company for the ACCOUNT : SANTANDER CONSUMER USA ACCOUNT NUMBER : XXXX following accounts on the following date ( s ) : XXXX / XXXX  It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. 
You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX & amp ; XXXX or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 
Regards/Sincerely,
Product: Credit reporting or other personal consumer reports

I would like to request for XXXX Long story short, I've expressed to XXXX  that my mortgage was being stolen, and what should be a balance of {$300.00} to {$390.00}, instantly and now reporting in my credit a balance of {$440.00} ... ..fix it now. 

I purchased property XXXX {$460.00} over XXXX yrs ago and paid full escrow only. I have never once authorized any heloc, loans or payment. 

I have all the documentation since date of purchase to prove the fraudulent and thieving activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I mailed out a letter to Experian regarding my credit report. I have requested for validation and for them to provide me with original contracts of the accounts I wanted investigated. I sent out my first letter XX/XX/2021, they acknowledged my letter was received on XX/XX/2021. They never sent anything that I requested instead the updated the accounts. I sent a follow up letter on XXXX XXXX requesting their method of verification. They acknowledged that they received my letters on XX/XX/XXXX and on XX/XX/XXXX, they sent me an email stating my disputes were complete. They did not provide me with what I requested and they resolved my dispute in only a few days, how could they have verified in such short notice. Would you be able to help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me  that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX  ) XXXX**, XXXX ( Original Creditor : 11 XXXX ) XXXX****, XXXX XXXX ( Original Creditor : 12 XXXX XXXX  XXXX ) XXXX****, XXXX XXXX XXXX XXXX****
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Request for Removal of Fraudulent Account Due to Identity Theft PLEASE REMOVE ACCOUNTS FROM CREDIT REPORT IMMEDIATELY XXXX XXXX Account Number : XXXX Account opened : XX/XX/XXXX Dear, EQUIFAX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Government -issued ID to verify my identity An Identity theft report filed with the Federal Trade Commission Proof of Residency Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 15 U.S. Code 168Xe ) 15 U.S. Code 1681 ( 1 ) 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Please remove immediately Thank you for your time and prompt attention to this matter. 

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

Im a victim of identity theft. I have inquirys in my credit report I do not make. Please block these inquirys from my credit report because they are fraudulent XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX  XX/XX/XXXX. XXXX XXXX  XXXX XXXX. XX/XX/XXXX. XXXX XXXX XXXX  XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX. XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX  XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX  XXXX. XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX. XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX  XX/XX/XXXX. XXXX XXXX XXXX. XX/XX/XXXX. XXXX XXXX. XXXX XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX. XXXX XXXX XXXX  XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX. XXXX. XXXX XXXX. XX/XX/XXXX. XXXX. XX/XX/XXXX. XXXX. XXXX XX/XX/XXXX. XXXX  XX/XX/XXXX. XXXX XXXX XXXX. XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Cabelas is reporting a late payment for XX/XX/2019 and I was not late. I always make my payments on time and it was an error on your systems end when I was trying to make payments. I have had an account with you for a very long time and have had no issues.
Product: Vehicle loan or lease

Iy had to car loans. One paid off. They still charging me for to loans. With a higher interest rate.
Product: Checking or savings account

I have a checking account with Capital One for my business. This account had overdrawn, and on XX/XX/XXXX, I transferred money to bring my account back to positive with a final balance of {$20.00} ; I logged into my account and verified this balance. 
On XX/XX/XXXX, I had an incoming wire transfer of {$110000.00}. Capital One accepted this wire transfer and my new balance reflected a total of {$110000.00}. 

I logged in to verify the transfer, after which I continued to pay off credit card bills, vendor payments, and most importantly, XXXX XXXX XXXX XXXX payments. I paid these bills using my credit card company 's app and ACH transfer with my XXXX XXXX. 
On XX/XX/XXXX I tried to move money into my personal checking account to pay my mortgage ( I was 90 days behind, and I had made arrangements with my Mortgage provider to make payments ). When I tried to transfer the money, the transfer would not go through, so I called Capital One Customer Service. 
I was informed that my account has been closed due to overdrawn status, and I can not use the funds to pay any bills ; all debit will be denied, but they will still continue to take incoming credit. My account was overdrawn {$79.00}, which I covered and now had an additional {$110000.00} that I can't access. They refuse to move the money into my checking or have me go to a bank and pick up a check ; the only option I have is to have them mail me a check which would take 7-10 days and another 2-3 to clear after that. 
My family 's health insurance will be canceled, my house will be in foreclosure, and all my credit cards will stop working. All they have to do is turn the debit back on since the account is not closed since it is open to incoming transfers. 

I want access to my money ASAP ; I have a checking account with Capital One. They can just transfer the money in there or open my account back up ; if they don't want to do either, they can wire me the money to a new bank account. I can not wait 7-10 days for my check. 

I also need Capital One to pick up all late fees and penalties I will incur. When I log into my account, there is no message saying my account is XXXX XXXX XXXX XXXX. There is no way for me to know my status it looks like its a functioning account with money in it. I would also ask CFPB to look into this practice. They are stealing money from people since they had no intention of contacting me had I not contacted them ( they told me this on the phone )
Product: Mortgage

I am being harassed by Shellpoint to collect on payments that were made to the previous Mortgage Company, XXXX XXXX XXXX. I reached out to Shellpoint Mortgage Servicing ( SMS ) on XX/XX/XXXX to inform those payments were made to the previous mortgage company and I was informed that I was delinquent for payments in 2021. Since all of my payments are scheduled through an auto-pay feature, I was flabbergasted that there were missing payments. I have NEVER been informed by XXXX that I was delinquent. 

I was on deferment during the pandemic. Now SMS has changed my monthly payment from {$1400.00} to {$4400.00} which has my account in delinquent status with late fees and other fees being applied to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I reached out to XXXX via telephone to request paperwork to extend my deferment. I was told that I would receive it via email. It never came ( and I did check my Spam folder multiple times ). I reached out again XX/XX/XXXX and again was told they would send it via email - it never came. I called again in XX/XX/XXXX and the representative let me know that I could request the extension online. I immediately completed the request online and it was processed to be in effect retroactively. 

I am now in the process of purchasing a new home and discovered that only has my credit score taken a hit hit, but I have 6 late payments on my credit record. I've contacted FedLoan multiple times in XX/XX/XXXX and XX/XX/XXXX and this will not assist me in clearing up my credit report. They have informed me that even though the deferment was applied retroactively, the payments are still considered late. This makes no sense as per the deferment there were no payments due. They are rude and extremely unhelpful on the phone. I am about to lose a lot of money and a custom built home because of this. As someone who has an excellent payment records on all my other accounts, this is extremely distressing to me and very unfair. I have filed a formal dispute with them, but based on my phone calls with them, I don't have high hopes that they will do the right thing and correct my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I disputed incorrect information from XXXX XXXX on my early warning services report. I disputed that the account is reporting incorrectly and to please the delete the account from my record. I also asked for method of verification of how it was verified. The company verified the bank details as accurate and complete when I know I never handled the account in such a manner. They also never sent the method of verification. Now I still have items on my report that are not correct and I really need them removed. This is stopping me from opening a new business account.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to XXXX  on XX/XX/XXXX and have gotten any response from the company and these inaccuracies are seriously harming my credit with my Credit score being XXXX. 

XXXX Account # XXXX This account is inaccurately reporting multiple different information across all three credit bureaus. 

Equifax - Date Opened XX/XX/XXXX with a Balance Owed of {$29000.00} with a Past Due of {$19000.00} with a payment of {$1100.00} on XX/XX/XXXX. 
Payment Status Late 120 days with account rating Open XXXX  - Date Opened XX/XX/XXXX with a Balance Owed of {$29000.00} with a Past Due of {$19000.00} with a payment of {$0.00} on XX/XX/XXXX. 
Collection account with account rating closed XXXX  - Date Opened XX/XX/XXXX with a Balance Owed of {$29000.00} with a Past Due of {$28000.00} with the date of last payment of {$0.00} on XX/XX/XXXX. 
Collection account with account rating closed These are not small inaccuracies and are causing some serious harm to my credit score when you are reporting a much higher past due and balanced owed and no correct payments. My credit score is XXXX  with your company and now I know why? 

This account is inaccurate and needs to be deleted immediately. 

XXXX  XXXX  XXXX XXXX Balance {$690.00} This account was never verified after multiple attempts to reach XXXX XXXX XXXX , XXXX directly and ended up filing a CFPB complaint # XXXX for no response from the collection agency. Where they have responded on XX/XX/XXXX that they will suspend all collection attempts and return them to the original creditor. You will find the copy of their response in this envelope. 

The Collection agency agreed to suspend all collections attempts and remove this account. Please delete this account immediately. 

XXXX  XXXX  XXXX XXXX Balance {$1000.00} This account was never verified after multiple attempts to reach XXXX XXXX XXXX , XXXX directly and ended up filing a CFPB complaint # XXXX for no response from the collection agency. Where they have responded on XX/XX/XXXX that they will suspend all collection attempts and return them to the original creditor. You will find the copy of their response in this envelope. 

Collection agency agreed to suspend all collections attempts and remove this account. Please delete this account immediately.
Product: Debt collection

I received a letter stating XXXX XXXX XXXX is trying to obtain funds for a previous pay day loan. The letter states they have reduced the original amount of {$3400.00} to {$490.00}. for closure of loan. The letter also states an erroneous credit score. I have contacted XXXX, XXXX and XXXX. They have no submitted reports regarding any delinquent pay day loans. 
May it be known I never applied for or received any monies from a pay day loan. 
I have no knowledge of a Check n Go pay day loan establishment. 
My bank was never contacted for funds or issued a NSF notice.
Product: Credit card

There was a charge on the credit card from our wedding. The company messed up on multiple issues and double charged for rooms and billed for services that were not delivered. We initiated a dispute and there was a credit and then chase asked us for supporting documentation which was presented. We did not hear from the rep and we do not know what specific information is needed to confirm a dispute. But after 3 months of waiting I was advised they are not ruling in favor because the company stands by their charges. I do not understand how there is not any transparency on what is required by the consumer to prove that a company lied and billed for services that were not provided.