23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Describe what happened so we can understand the issue ... 
Santander Bank Mail Code:XXXX XXXX. XXXX XXXX XXXX, Pa XXXX continues collection efforts in reference to Account Number XXXX after receiving written notification by XXXX XXXX XXXX and XXXX XXXX XXXX to cease all communication regarding this account. The attached letter was sent in XX/XX/2016 and Santander Bank continued to send four additional months of late notices after the cease and desist notice. In addition they continue collect efforts after receiving written notice from my attorney XXXX XXXX XXXX from XXXX, XXXX, XXXX XXXX XXXX. These actions are in direct violation of 15 USC 1692c 805. Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated. In addition 15 USC 1692d 806. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :
Product: Credit reporting, credit repair services, or other personal consumer reports

this is for a XXXX XXXX credit card that was opened XX/XX/XXXX and closed XX/XX/XXXX but on my consumer reports its showing late payments in XXXX, XXXX and XX/XX/XXXX with a last payment in XX/XX/XXXX this account has been disputed many times to be resolved or deleted from my credit report i got deleted XX/XX/XXXX but for some reason its back reporting with late payments on both equfax and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurate personal information names, addresses etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these FRAUDULENT inquiries.
Product: Debt collection

I received a letter in the mail on XXXX regarding representation for XXXX XXXX XXXX from Pressler, Felt, and Warshaw LLP regarding a Notide of Application for Wage Execution. I was notified of my Wage Garnishment my rights to object, reduce, and the amount that would be garnished. In XXXX 10 % of my pay began being garnished to pay back the debt. On XX/XX/XXXX, I spoke with the Court Officers office XXXX XXXX who provided me the remaining balance of the debt which was {$210.00}, I went onto the website for pressler, felt, and warshaw LLP & paid the balance in full and this payment posted on XX/XX/XXXX. I followed up with my employer and they informed me that even though I had a receipt of the payment, they could not stop the garnishment unless they received a stop order from the debt collector. I followed up with the court officer who confirmed that they did not receive any information from the attorneys office that the payment was made and to follow up with them to have them send this confirmation over so that she can send the stop order. I followed up with the attorneys office on XXXX and they told me that they would not be sending over the notice that the payment was made because they still show a balance reflecting because they have not received all funds from the court officer as of yet. I was informed that once they receive the funds form the court officer then there system will update as paid in full and they will notify the court officer. I followed up with the court officer who informed me that the attorneys office did confirm the payment was made but they told her there was an interest balance that was not paid and would need to be paid to close the garnishment. She stated that she asked them if they informed me of the interest that needed to be paid so that I know and they told her no. I do not have any record in any correspondence received regarding the garnishment that there is a balance of interest that will accrue after the judgement. As of XX/XX/XXXX the balance that is reflecting as owed for the debt was paid in full and my checks have continued to be garnished since then. On XXXX there was another {$160.00} garnished, and my check will be garnished again during the next pay cycle of XX/XX/XXXX. I spoke with the attorneys office again today, Monday XX/XX/XXXX and he said the information about interest is reflecting in the judgement order. When I asked the percentage and how this is determined/accrued he told me he didnt know. I sent a formal email of dispute to the company and also requested all collection efforts be paused until I receive this inforamtion
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, First Fed Credit Control listed 55 separate line items on my credit report for one account. 

The original account is with XXXX XXXX and the original balance is {$9500.00}. There is only one account but First Fed Credit Control listed each individual service received during the procedure as a  separate account and this is affecting my credit profile negatively. 

The procedure took place on XX/XX/2017. 

I contacted the company and asked them to investigate why the accounts are showing as separate. They would not provide an answer. But stated that each account will be closed upon receipt of full payment.
Product: Credit reporting or other personal consumer reports

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


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


I demand the late payment to be updated. 


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


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


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


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


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


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

Accounts with adverse information : I disputed the XXXX account as having inaccurate information and I instantly received an update the information was going to remain on my credit report. 
XXXX XXXX Account that has been removed from credit report but still showing tenant/rental report. I have asked to be supplied with original contract with wet signature. I have not received it, yet still shows on tenant screening report through experian rent bureau and not credit report.I do not feel that a proper investigation was done. 
- XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a very terrible situation in my life. First time I have unknown inquiries in my credit report and I do not know what to do. My friend suggested me to write to you and ask for investigation. However he told me that it takes long time, but anyway I ask you to find out what happened exactly and how I become a victim of Identity theft. I do not know these inquiries and please if you can delete them because its XXXX to have something in your credit report that is not yours u know.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Columbia Debt Recovery XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Subject : Dispute of Collection Account and Request for Procedural Investigation To Whom It May Concern : I am writing to dispute the collection account listed under my name on my credit report and to request an immediate procedural investigation. This account has been reported in violation of federal laws that protect consumers, specifically 12 CFR 1006.34 and 15 USC 1681-s2. I have not received the required validation information, and I have not been provided an opportunity to dispute the debt before it was placed on my credit report.

Details of the Disputed Account : Account Name/Number : Columbia Debt Recovery XXXX XXXX Date of First Appearance on Credit Report : XX/XX/XXXX Violations by Your Agency : 1. Failure to Provide Validation Information : According to 12 CFR 1006.34 ( b ) ( 5 ), you are required to provide specific validation information regarding the debt before furnishing this account to any consumer reporting agency. To date, I have not received this information.

2. Denial of Right to Dispute : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have the right to dispute the validity of this debt within 30 days of receiving the validation information. Since you failed to provide this, my rights have been violated.

3. Use of False, Misleading, or Deceptive Means : Your agencys actions in reporting this debt without the required disclosures and validation constitute false, misleading, and deceptive practices under federal law, specifically 15 USC 1681-s2 and 12 CFR 1006.34 ( d ).

4. Unauthorized Furnishing to Consumer Reporting Agencies : You have no authority to report this account to any consumer reporting agency without providing all legally required disclosures. Your actions are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( 7 ) ( A ).

Requested Actions : 1. Immediate Removal of the Collection Account : I demand the immediate removal of this collection account from all consumer reporting agencies until you can provide the legally required validation and dispute information.

2. Cease All Collection Activities : Cease all collection activities, including reporting to credit bureaus, until my rights under federal law have been fully respected.

3. Provide All Required Documentation : Provide all required validation information and disclosures under 12 CFR 1006.34 ( b ) ( 5 ), and allow me the opportunity to dispute thi account as mandated by law.

4. Correct Reportin Procedures : Ensure that your reporting procedures comply with 12 CFR 1006.34 and 15 USC 1681-s2 to avoid future violations.

Failure to address this matter promptly and in accordance with federal regulations will leave me no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 
I expect a written response to this dispute and confirmation of your compliance within 30 days. Thank you for your prompt attention to this serious matter.
Product: Debt collection

As brief background, I was XXXX with XXXX XXXX last year and, as a result, I have XXXX XXXX XXXX. I took my first XXXX in XXXX and returned to work sometime in XXXX. In XXXX or XXXX, XXXX claimed it apparently overpaid me ( I did not verify this claim ). As I was scheduled for a XXXX of XXXX XXXX in early XXXX, when I received notice of this, I contacted XXXX and agreed with a XXXX representative that it would simply withhold from my subsequent XXXX claim. When I received the " Final Notice '' of the overpayment just before my XXXX as well as a call from Brown & Josesph Ltd ( collections attorney ; https : //brownandjoseph.com ), I rang  XXXX and a representative told me that any payment under the new claim could not be used to offset the prior claim. As a result, I submitted payment to the collections attorney on XXXX XXXX. Today, I received my first XXXX payment from XXXX for the recent XXXX and XXXX withheldin full and perhaps even withheld more than is necessarythe amount it claimed to have previously overpaid me. XXXX claims this check was mailed on XXXX XXXX, well after I paid the debt to Brown and Joseph. <P/>The amount is also not insignificant as XXXX appears to have withheld {$3500.00}. This is in addition to the {$2300.00} I paid to Brown and Joseph. In short, it seems I have paid XXXX {$5800.00} for a net overpayment of {$2300.00}. <P/>Also, while not insignificant, my XXXX has presented several challenges and this is the absolute last thing I need. I was horrified to be sent to a collections attorney, which was after multiple XXXX representatives verified the amount could simply be withheld from my XXXX XXXX claim. Now for XXXX to withhold additional sums is just upsetting. <P/>Please contact me to discuss further. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is more than seven years and investigation is taking more than 30 day for this negative account on my credit report US DEPARTMENT OF EDUCATION ( CLOSED ) xxxxxx XXXX {$5500.00}
Product: Credit reporting or other personal consumer reports

Last year i was made aware that i was a victim of identity theft. I contacted the bureaus and i filed a fraud affidavit. I sent that to them and mostly all the fraud accounts came off except a couple that are still there. That is why i have ti submit this complaint
Product: Vehicle loan or lease

I bought a Nissan Altima XXXX in XX/XX/XXXX for my son. The car was totaled in XX/XX/XXXX. My insurance and Gap insurance Paid the loan. Through the same loan, the dealer was paid for maintenance for four years. Even though the dealer was paid for maintenance services that was never redeem, Nissan Motor Acceptance Corporation send me a bill without total the amount of money received from the insurances and the refund paid for maintenance services against the loan amount. 

When I contact them and asked for an itemized bills showing what was paid against the loan among, the customer agent get frustrated and said that I should accept that I own them and send me a letter without showing how they come with the total of the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to dispute the erroneous information being reported by my creditors. The errors on my credit reports have had a significant negative impact on my life. Specifically, I believe that several violations have occurred, including those under the Fair Credit Reporting Act ( FCRA ). 

First, I would like to bring to your attention the fact that XXXX and Equifax are listing account number XXXXXXXX XXXX as a mortgage account instead of a real estate account. This is a clear violation of the FCRA. 

Additionally, I have noticed that Equifax and XXXX are not reporting the monthly payment as {$0.00}, as reported by XXXX. Furthermore, XXXX is not reporting the balance of {$0.00}, as reported by XXXX and Equifax. This is another violation of the FCRA. 

Moreover, XXXX or Equifax is reporting that sowing is due every month, but actual seeding is unreported. XXXX has set a credit ceiling of {$0.00}, but XXXX and Equifax have made no reports, which is yet another violation of the FCRA. 

Furthermore, XXXX is reporting that the account was 120 days past due, but XXXX is reporting that it was Account moved to another location or reported to Equifax at least four installments or 120 days past due. This discrepancy is a violation of the FCRA. 

In addition, Equifax and XXXX are not receiving reports of remarks that were transferred to XXXX or another lender, which is another violation of the FCRA. The misuse of e-OCAR and the wrong Metro2 format are also violations of the FCRA. 

Lastly, between XX/XX/2022, and XX/XX/2022, a remark code for a charged-off account was added to the account. This is a violation of the FCRA. 

These violations have had a significant impact on my life. I have been denied credit because of these inaccurate reports, and my ability to secure housing and employment has been hindered. It has caused me a great deal of emotional distress and has affected my quality of life. 

I respectfully request that you enforce the legal rights that I am entitled to under the FCRA and have the creditors remove these unverified collection accounts from my credit report. 

Thank you for your time and attention to this matter. 

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

On XX/XX/2022, I sent a letter off certified, the tracking numbers are XXXX, XXXX, XXXX. 

I told them to investigate every single account on my report and the credit bureaus stated all accounts listed on letter was properly investigated but how if all information is inaccurate, including name, address, last active, date opened, and last reported. They also informed me that all address were removed that I informed each credit bureau was inaccurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Product: Debt collection

The debt Credit Collection Services has reported as a collection on my credit file is not mine. 

I have no knowledge of he debt and never signed a written contract agreeing to do business with Credit Collection Services. 

I am disputing any and all debts that Credit Collection Services say I owe them. 

I am revoking all their rights to communicate with me via email, texts, or calls. 

They did not send me written documentation informing me of said debt before placing the debt on my credit file. 

They did not provide validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. I am requesting validation of said debt. 

I was not given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) They have violated my consumer rights by using false, misleading representation and deceptive means. 

Credit Collection Services has no authority to furnish any accounts to consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

I am requesting that they send me the original agreement from the original creditor. 

I am requesting proof that they are licensed and bonded to collect debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank has entered into a program of denying credit to gun manufacturers. I believe that this undermines the Second Amendment and is contrary to a free and open society. It is particularly disgusting because Citibank received bailout assistance from the very government that it is trying to undermine. 
I request that the CFPB conduct a complete investigation into the lending practices of Citibank, particularly in relation to loans to gun manufacturers. 
XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX ( XXXX ) refunded {$190.00}, cancelled a vacation package on XX/XX/XXXX. On XX/XX/XXXX XXXX, XXXX XXXX, XXXX Treasury Manager charged my card on file with XXXX twice {$200.00} and {$5.00} ( {$200.00} ) more than the original purchase price for the vacation package of {$190.00}. XXXX did not have authorization to charge this card. 

Around XX/XX/XXXX TD Bank refunded {$200.00} to my account while investigation. On XX/XX/XXXX the bank credited XXXX {$200.00} causing account overdraft and accessed bank fee. TD Bank is not protecting my account from fraud and providing merchant friendly investigations. TD Bank allowed the merchant to charge a card that they had access, without authorization, and for a higher amount than the original refunded transaction ( fraud ).

TD Bank and/or XXXX owes {$230.00} for fraudulent charges and related fees.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC Social Security XXXX : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX XXXX My Address : XXXX XXXX XXXX, XXXX, NY, XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is XXXX Delete any and all other phone numbers. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$350.00} {$350.00} {$150.00} XXXX XXXX : {$150.00} {$150.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE