23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XXXX XXXX, 2017 I scheduled a payment from my online banking bill pay service ( XXXX XXXX XXXX ). The payment, in the amount of {$410.00}, was debited from my account on XXXX XXXX, 2017. I received a call on Friday, XXXX XXXX, 2017 from Santander Consumer USA advising me that my auto loan was 16 days past due. I told them that could not be the case and that I could see the payment being taken out of my bank account. They advised me to contact my bank. I immediately called my bank and spoke with a bill pay representative who advised me that the bill payment was sent and she e-mailed me a copy of the check that was sent to Santander Consumer USA showing they deposited the check into their bank account. I called Santander Consumer USA bank to let them know and ask if I could e-mail them the copy of the check. They advised they are unable to accept e-mail and requested I fax the document. It 's 2017, fax machines are becoming a little rare, but I was able to fax the document in on Saturday, XXXX XXXX, 2017. I  spoke with Santander on XXXX XXXX and was advised no fax was received and to allow 24 hours for the fax to be processed. I called back on XXXX XXXX and was advised still no fax was received. They asked me to fax the document again and to allow 24 hours. I feel that I 'm being scammed and taken advantage of. I have attached the copy of the check to this form.
Product: Checking or savings account

The XXXX XXXX Branch has had an ongoing problem with the ATM XXXX. On four specific occasions while using the machine all of the sudden the machine took my card and would not return it. I could not withdraw any money in my account and literally had to go without adequate money for the weekend. Each time I confronted the Branch Manager and he indicated he was sorry, but he did not bother to fix the problem. I did contact the Corporate in XXXX XXXX, MN without any success. By not allowing me access to my money the Bank in essence had financial gain since it was able to keep my money during and make interest on it at a time that I needed it. This is an act of Fraud.
Product: Checking or savings account

Was having issues with logging into online account, called Citi Bank for assistance. Was told to call fraud department. Without explanation, i was notified my account is closed and it will take 60 days for account closure. I do not get my money back until account is fully closed. I have over XXXX in my funds, no information on when I will get my funds is not acceptable. XXXX days to potentially get my money back is not acceptable.
Product: Checking or savings account

I used my cashapp card at an ATM one morning trying to take out {$200.00}. My card was declined and the money was still taken from my account. I tried again to take out {$200.00} and it declined me again but STILL took the money from my account. I contacted cashapp, then waited XXXX business days and then contacted cashapp again to dispute the transaction. They responded only one time saying they would file a claim for this transaction and then days later they closed my cashapp account and stopped responding to all of my emails. In their Terms of service it says they will return the money filed in your claim until it is resolved. I emailed them again and a week later they refunded me {$200.00} and said they are unable to help me with the remaining {$200.00} and I have been emailing them everyday since and have received no response.
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. 
Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXXl XXXX  billed my insurance company for a XXXX. I paid my amounts due after insurance. I then was billed again for the same procedure, and another one ( same type of procedure, same day ). The company ( XXXX  ) called me to collect and I talked to them about the prior billing and insurance payments etc, and it seemed clear based on my conversations with them they needed to take away with their " research department ''. I received a call a few weeks later from another hospital rep trying to collect, went through it all again, no indication they had researched etc. Later I received a letter from XXXX XXXX, a collection agency, walked them through issue and sent them a letter that I don't believe I owe anything ( attached ). They or XXXX never got back. Now I have Paragon Revenue group harrassing me with calls, etc. I sent them the same documentation I sent XXXX XXXX. I also sent XXXX a notification now today that I would be following up with the CFPB since I can't get anyone to do the analysis versus just try to strong arm me.
Product: Credit reporting or other personal consumer reports

The medical collections reported on my credit file are inaccurate, unverifiable, and illegal under federal law. Despite previous disputes submitted directly to your credit bureau and the collectors, no adequate validation or removal of the unlawful entries has been provided. These actions violate my rights as a consumer and compromise the privacy of my medical information. 

Specific Accounts in Question XXXX XXXX XXXX Original Creditor : XXXX  XXXX and XXXX XXXX Balance : {$1000.00} Account Number : XXXX Date Opened : XX/XX/year> Status : Collection account as of XX/XX/year> XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX Balance : {$1900.00} Account Number : XXXX Date Opened : XX/XX/year> Status : Collection account as of XX/XX/year> List of Violations Violation of Privacy ( HIPAA, 42 U.S.C. 1320d et seq. ) : Disclosure of medical information to third parties, including credit bureaus, without my authorization.

Failure to Validate Debt ( FDCPA, 15 U.S.C. 1692g ) : Collection agencies have not provided sufficient documentation to validate the debts in question.

Failure to Correct Inaccurate Information ( FCRA, 15 U.S.C. 1681s-2 ) : Continued reporting of disputed items without conducting reasonable investigations.

Unfair Practices ( FDCPA, 15 U.S.C. 1692f ) : Reporting medical debts without proper validation or legal authority constitutes an unfair practice. 

Actions Requested Immediate Removal of Medical Collections : All medical collection entries must be removed from my credit report immediately as they were furnished in violation of HIPAA and FCRA.

Cease and Desist Disclosure of Medical Information : Ensure that no further medical information is disclosed to credit bureaus or other third parties without explicit authorization. 

Investigation and Enforcement : Investigate the actions of the collection agencies involved and enforce compliance with HIPAA, FCRA, and FDCPA.

Validation of Debt : Require collection agencies to provide documentation proving their right to collect the alleged debts, including proof of authorization to disclose medical information.

Conclusion The disclosure of medical information and the furnishing of medical collections on my credit report violate federal laws designed to protect consumer rights and privacy. I request your immediate intervention to address these violations and ensure the removal of these unlawful entries from my credit report. 

Thank you for your prompt attention to this matter. Please contact me at [ Your Contact Information ] with any updates regarding this dispute. I am prepared to provide additional documentation if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ATTN : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, CT XXXX Date : XX/XX/2022 This is a notice of dispute pursuant to the Fair Credit Reporting Act, section 623, subsection ( 8 ) ( D ). The specific information being disputed is the derogatory nature of the information you have furnished to the credit reporting agencies in connection with the above mentioned account. The basis for my dispute is your company was required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I am unable to locate documentation you complied with this requirement. Therefore, provide me proof of notification ( i.e. a copy of the actual notification sent ), and proof that it was delivered to me in a timely manner ( i.e. a dated certified mail delivery confirmation with my signature ). If you can not provide proof of notification and date of receipt, then you can not substantiate you followed the procedures required under the Fair Credit Reporting Act. In addition, by not being able to substantiate you performed your duties imposed under that title, you are now in direct violation of it. Therefore, the continued reporting of negative information to the credit reporting agencies in connection with the above mentioned account may constitute the furnishing of false information with malice or willful intent to injure me. Truth is reporting this information to the Consumer Reporting Agency, has ruined my reputation, and I have a family to support and am looking for housing to ensure my child has a quality education. To correct this error I suggest you modify the account accordingly, report the results of your investigation to the consumer reporting agencies to which you furnished the information, and provide me written verification thereof. You have 30 days from the date you receive this notice to complete your investigation and respond pursuant to the Fair Credit Reporting Act, section 623 ( 8 ) ( E ) ( iii ). In the event you fail to respond to this dispute or provide insufficient proof of notification and date of receipt, I will have no other choice but to seek administrative enforcement with all applicable agencies identified in section 621. In addition, I may also seek the assistance of a legal firm specializing in class action lawsuits. Thank you in advance for your cooperation. Sincerely, XXXX XXXX Attached is proof of identification and a current bill, identifying me and will suffice throughout all future correspondences.
Product: Debt collection

I was a victim of identity theft and noticed a collection from Portfolio Recovery I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Portfolio Recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$1000.00}
Product: Debt collection

You are reporting this collection as an " OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report.

1. 15 USC 1666b a creditor may not tr
eat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

Validate/inaccurate reported late payments. 
XXXX Account Number : XXXX Please remove it from my credit report
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

EXPERIAN has failed to fulfil its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The 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 harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Checking or savings account

Sun Trust back has out a account review on my account and has restricted access to my funds. They tell me they have no time frame for an update, this is not good as they are holding all of my money.
Product: Checking or savings account

I deposited a check through my Truist mobile app of XXXX it was a lawsuit check I also deposited another check the same day through Truist mobile deposit of XXXX they had both checks on hold for 7 days and said it was under investigation they frozed my account for about a month then they closed my account where I couldnt get any of the money I had in there already for 2 months straight I was broke because of that then they finally released the check of XXXX they sent it in the mail XXXX days later but they still telling me that the other check or XXXX is still being under investigation when I have sent proof and my lawyer has sent proof that the check has been cleared and here it is going on 3 months and they still telling me they cant release the funds to me cause its still under investigation and the check has been cleared sense XX/XX/year> I have been to the Truist branch and they also sent all the proof I have that the check is good and they still want release the funds its going on 3 months now that I have been waiting all they do is keep telling me its no updates on the status of the check but yet they are holding a check for months thats been cleared sense XX/XX/year> and they closed my account so I wouldnt get the check when the check is good and not a fraud and customer service through Truist dont have a way I can contact the analyst they keep saying they dont have a number to reach them I have tried everything.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I sent out a letter to XXXX on XX/XX/XXXX and never received any response. I will disclose the letter below : Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from Ally Financial on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from Global Lending Services Llc on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXXXXXX XXXX  XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

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
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX, DEPTEDXXXX - XXXX, DEPTEDXXXX - XXXX, DEPTEDXXXX - XXXX, DEPTEDXXXX - XXXX, XXXX  - XXXX, XXXX - XXXX, DEPTEDXXXX - XXXX, DEPTEDXXXX - XXXX, XXXX XXXX  XXXX XXXX, XXXX 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 was a victim of TransUnion inquiry issues a few months ago, I contacted TransUnion and try to resolve the issue over the phone stating that by Law, under the fair credit act, section 6-11..they had to remove that inquiry .The Inquiry in question is ( XXXX XXXX XXXX XXXX ) dated XX/XX/2017 ... 
They can not delete a inquiry, then add it back, with out notifying me of issues, they have to within 5 days, which they did not.
Product: Mortgage

My home mortgage documents/regulation z which were originated on XXXX XXXX, XXXX states that my monthly payment would be {$5100.00} beginning XXXX/XXXX/XXXX. I received a letter from Wells Fargo stating my new payment is {$6400.00}. When I called Wells Fargo, the customer service reps have no answer for the discrepancy but say I must pay the {$6400.00} or fall into foreclosure. My interest rate is locked at XXXX % currently and all other previous annual increases have been in accordance to my signed loan documents. I feel this is totally unfair, unethical and a breach of contract and would like immediate help in resolving this matter.