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

This consumer reporting agency is in clear violation of the law. I obtained a copy of my Experian Report and noticed the following data furnished that I found to be inaccurate and incomplete as per 15USC 1681i ( 5 ). The information included in my dispute notice sent ( PLEASE SEE THE ATTACHMENT INCLUDED BELOW ) on ( XX/XX/24 ) was furnished without written authorization from me or permissible purpose pursuant to 15USC1681 ( B ). This agency is also in violation of 15USC1681 ( b ) ( a ) ( 3 ) ( f ) ( i ) for allowing the following person ( s ) included in my notice sent ( PLEASE SEE THE ATTACHMENT INCLUDED BELOW ) to obtain my Experian Report without my written authorization and permissible purpose under the FCRA and its guidelines which is a direct result of IDENTITY THEFT pursuant to 18USC1028 ( A ). According to 15USC 1681 ( b ) c ) Furnishing Reports in connection with credit or insurance transactions that are not initiated by the consumer Experian must remove these unauthorized inquires listed in my notice. It this consumer reporting agencys obligation as a consumer reporting agency to ensure MAXIMUM ACCURACY of my report pursuant to 15USC1681 ( e ). 15 USC 1681 ( 2 ) ( a ) ( i ) states my transactions or experience as a consumer to any person are excluded from my consumer report. If transactions are not included in my consumer report, why are there late transactions? This information included in my notice sent must be promptly removed from my consumer report according to 15USC 1681a ( 5 ) and I shall be notified with the details of your investigation pursuant to 15USC 1681i ( 7 ).
Product: Credit reporting or other personal consumer reports

This complaint is about Santander Consumer. 
My loan was originally with XXXX XXXX, it was bought out by Santander in XXXX. Since the life of the loan, there has been no reporting to the credit bureau 's from Santander. I have called several times over the past XXXX yrs, asking why it's not reporting. I was told that they will report once the loan is paid off. 
My loan was paid off in XX/XX/XXXX, when I contacted Santander and asked how long before it is reflected on my credit I was told 30days after. So it's 2 months after, and I'm trying to buy a house and the lender tells me that there is no car loan on my credit. So I contacted Santander on XX/XX/XXXX and asked why wasn't it reported since it's been paid for 2 months now. I was told that it was reported to all XXXX agencies, and that I would need to contact the agencies to find out about the report and have them dispute it. I contacted all XXXX agencies and they stated that they do not see anything on my credit for a loan from Santander, and that they can't dispute anything that's not reflecting on my report and I would need to contact Santander and get them to report it. So I call Santander back and explained that the credit bureau 's can not file a dispute for something they do no show on the report. The call was then escalated to the platinum team, so I spoke with a supervisor and she said the same thing as the previous person and that she was going to send in a request for audit report and I should have a answer by XX/XX/XXXX. 
XX/XX/XXXX I called Santander and they are stating that, they will not reinstate the account to report to the credit agencies ' because the account is closed also that they may not have reported because of inaccurate or incorrect information. I told them nothing has changed and I never received any notifications that something was inaccurate or incorrect on my loan. I asked what was inaccurate or incorrect and she told me that they don't give her that information. I asked her so what am I supposed to do about getting this information reported, and she said to contact the agencies again, but that was all she could do.
Product: Debt collection

On XX/XX/2107 I received and alert stating that LVNV funding LLC has added a new collection to my XXXX credit report. This is inaccurate information because i paid this debt to XXXX on XX/XX/2017. A pay to delete letter was submitted to XXXX on XX/XX/2017 along with a cashier 's check for {$100.00} which stated that upon cashing the check XXXX would be in agreement of accepting the payment as paid in full for debt and removed this collection from all XXXX bureaus within 15 days of cashing. XXXX cashed my check on XX/XX/2017 and mailed me a letter on XX/XX/2017 stating that they no longer own the collection and that i should contact XXXX.XXXX cashed my check then sold this account to another collection company by the name of LVNV funding LLC
Product: Credit card or prepaid card

SUMMARY : 1. 3 1/2 YEARS OF CONTINUED FRAUD NO ACCESS TO ONLINE BANKING ; & 2. BLOCKAGE ON THE CARD STATEMENTS ONLINE & REQUESTS FOR STATEMENT REFUSED TO BE SENT ; & 3. FAILURE TO CORRECT FRAUDULENT TRANSACTIONS & /OR DISCLOSURE THE TRANSACTION ON A WRITTEN STATEMENTS ; & 4. BALANCE & PAYMENT AMOUNTS NO ACCESS & REFUSED WHEN I CALL INTO THE COMPANY ; & 5. NEGATIVE CREDIT REPORTS WITHOUT ACCESS ; & 6. NEGATIVE PAYMENT HISTORY NO ACCESS ONLINE OR CALL IN ; & 7. THE CARD HAS PRIVACY ISSUES, AS IT APPEARS THE ACCOUNT HAS BEEN TAKEN OVER BY A 3RD PARTY FOR A PERIOD OF 3 1/2 YEARS THIS HAS BEEN CONTINUOUS & ONGOING.

TO MY KNOWLEDGE THERE IS NO CITIBANK MASTERCARD. I DID NOT ASK FOR A CHANGE FROM CITIBANK VISA MY ORIGINAL CARD TO CITIBANK MASTERCARD. NO TERMS WERE ISSUED OR ANY OTHER DISCLOSURES. I BELIEVE THIS CARD IS ISSUED IN FRAUD & ACCOUNT IS TAKEN OVER BY A 3RD PARTY.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed fraudulent accounts on my credit report. Please remove these accounts from my credit report, they are hurting my ability to obtain credit.
Product: Debt collection

There are  XXXX  medical accounts just recently listed which are unknown to me. These are not mine nor do I owe. I 'm requesting removal of these ASAP ABLTY RECVRY  XXXX  FOR {$1600.00}  XXXX  {$63.00}  XXXX  {$58.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a debt off that showed up on my credit report in XX/XX/2020. I did not make this debt, however it was paid off due to the numerous disputes and no change. I have a copy of the receipt yet, it was never reflected on my credit report as paid. The initial company was XXXXXXXX XXXX XXXX XXXX XXXX XXXX The debt was bought by national credit adjusters. The debt was paid as noted on the receipt attached to this claim. It needs to be reflected on my credit reports on all three bureaus. Its been almost a year since I paid and no change. Its been disputed several times and when it comes back from the credit bureau it does not reflect paid. The credit Bureaus refused to change, despite me providing proof of payment. This needs to be fixed ASAP, I have spent so much money disputing this when it should have been fixed a year ago.
Product: Debt collection

The apartment community for my daughter reported a debt not owed to collections. I was advised they they had already asked that it be deleted from both our credit reports. I called collections and was told that they already sent the request to delete it fromour reports. The credit reporting agencies are still showing it on our reports. This is the account in question : XXXX XXXX Reported : XXXX XXXXXXXX XXXX  {$340.00} Ialso noticed the following unauthorized inquires are showing as hard inquires on my personal report : I also noticed the following unauthorized inquires : XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX US DEPARTMENT OF EDU Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/
Product: Mortgage

On XX/XX/2023, I notify Carrington Mortgage Services LLC that they were over charging on my escrow account based on XXXX XXXX 's annual assessment which I have attached. The county has granted me an Homestead Exemption which stabilizes the Tax and property value. Carrington Mortgage choose to ignore the new numbers and continue to inflate my home value by around {$30000.00} which has increased my insurance and escrow, yet they continue to collect county tax fund which they are not entitled to.
Product: Checking or savings account

I had an account with BB & T which went into overdraft due to a credit card company debiting the account and funds were not there. The end balance resulted went from a $ XXXX over draft fee to a $ XXXX on XX/XX/XXXX from where they charge you {$36.00} every 10 days the account is over drawn. The bank took money from another checking account I had with them without my permission. I requested the account to be closed on XX/XX/XXXX via email and was told it couldn't due to another {$36.00} fee that had been charged and fees continuing to add up the bank didn't close my account and another {$160.00} was taken out of the same main account I have with them. This bank has very unethical banking practices and needs to be stopped. This has cost me well over {$500.00} in total and is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXXXXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please fix the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 

XXXX XXXX XXXX  XXXX XXXX Date Opened:01/08 Balance : {$0.00}
Product: Mortgage

Hello, I refinanced a first mortgage on my condominium, closing date XX/XX/XXXX. I paid off the prior mortgagee, NewRez LLC, on that date. However, XXXX has not recorded the discharge of the loan at the XXXX XXXX XXXX of XXXX. 

I called XXXX on XX/XX/XXXX. They promised to email me a satisfaction letter purporting to show that they had electronically recorded the discharge of the loan with the XXXX XXXX Registry of Deeds. I did not receive it. 

I called XXXX on XX/XX/XXXX and they made the same promise. This time I received the satisfaction letter via email, however the satisfaction letter they sent was for a different loan that was discharged in XXXX. 

I called XXXX on XX/XX/XXXX and determined that the mortgage I was trying to get discharged does show as fully paid in their systems, however, the satisfaction letter attached to the relevant account in their system is for the wrong loan. Customer Service told me to contact the loan servicing department by email at XXXX. I did so. I received an automated reply via email. 

On XX/XX/XXXX I received a paper letter from XXXX acknowledging that they received my inquiry and they were working on it. 

On XX/XX/XXXX I received a paper letter from XXXX saying that they " respectfully request additional time '' to resolve the issue. 

At this point I am opening an inquiry with CPFB because I do not consent to allowing more time to resolve this issue. They were responsible for correctly discharging the mortgage several months ago. As it stands now, according to the registry of deeds, my property is encumbered by a mortgage that I do not owe, and this has a serious material effect on my financial position and ability to manage my property. I would appreciate your assistance in escalating this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 2 months ago ( XX/XX/2022 ) I wrote a letter to Experian advising them that were in violation of my HIPPA rights by reporting medical information that I did not authorize in the following amounts : {$240.00} {$210.00} {$330.00} {$56.00} {$140.00} {$58.00} {$320.00} {$2400.00} {$1000.00} {$800.00} I have not heard back from them nor have they removed anything from my reports.
Product: Debt collection

Despite receiving XXXX separate credit reporting and validation requests this collection company has failed to respond with ANY evidence that this alleged debt is mine. 

After finding this account on my credit report, I have sent several letters via certified mail warning this company to verify the debt and if unable to delete this information from my reports asap. They have failed to respond and have failed to remove this account from my credit report.
Product: Debt collection

I CHECKED MY CREDIY REPORT AND I SENT LETTER ON XX/XX/2021 ABOUT INACCURATE INFORMATION THAT WAS ON MY REPORTS. I REACHED OUT TO XXXX, EXPERIAN AND XXXX. AS WELL AS TOO ALL CREDITOR AND I HAVE YET TO RECIEVE AN INFORMATION ABOUT MY DISPUTE. I TRIED TO PUT IN MORE INFORMATION IN PAGE 4 BUT IT DI NOT ALLOW ME.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened - XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Amount {$900.00}. 

I do not recognize the aforementioned collection account as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account are the result of identity theft and fraud. I have attached a copy of FTC as proof.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I am disputing a {$2700.00} debt placed in collections by XXXX. I enrolled in their pharmacy technician program but was unable to complete it due to car issues that prevented me from attending the required externship. I communicated this with XXXX and provided them with an explanation of my situation. Instead of working with me or offering alternative solutions, I was pressured with a 48-hour deadline to secure externship transportation or be removed from the program. This felt like harassment, and it left me with no realistic option but to drop out. 

After being forced out of the program, XXXX then documented it as if I voluntarily dropped out, which is not true and completely misrepresents what happened. I have email records proving I reached out in good faith to resolve the issue, and that I did not choose to leave on my own. 

On top of that, I later learned XXXX is now facing a lawsuit for deceptive and predatory practices including misleading students, failing to provide support, and pursuing payment for incomplete or undelivered services. The problems I experienced line up directly with the allegations in the lawsuit. I was treated unfairly and left with a collection account for a program I couldnt finish through no fault of my own. 

Despite these facts, XXXX has refused to investigate or remove the account from my credit report. This is harming my credit and financial opportunities. I am requesting that this collection account be permanently removed from my report.
Product: Checking or savings account

I am a victim of identity theft and this is the 3rd CashApp debit card I received, opened in my name, without my consent or knowledge. I have placed fraud alerts and freezes everywhere possible and have requested CashApp ban my information, but they will not do it unless I send a selfie holding my ID, which I am hesitant to do for obvious reasons.
Product: Mortgage

The company which services my mortgage loan is Home Point Financial Corporation. I sent them my XXXX and XXXX mortgage payment in the amount of {$6000.00} in the form of cashier 's check on XX/XX/2020.  According to the copy of the cleared check I received from my bank, Home Point received and processed the payment on XX/XX/XXXX. The copy of the cleared check my bank sent me has Home Point Financial 's stamps on it. 
As of XX/XX/2020, they still did not credit the payment to my account in violation of RESPA and now is showing past due. Since XX/XX/2020, I've been calling them everyday. Customer service claim they don't know how my check disappeared and tell me they can't help me. I've also sent them numerous emails where I attached all the evidence that the payment was made and processed by them, without receiving any response. Every time I call they place me on hold for over 30 minutes, before I can even say something they keep telling me that my account is in default and they will start the foreclosure process. 
I've also sent them a notice of error which again they failed to acknowledge and respond in violation of RESPA. At this point I've exhausted all my sources to communicate with them and have a proper investigation conducted on my account. 
Their negligence in servicing my mortgage is causing my family and I unnecessary stress. I'm currently working in the front lines of COVID-19 as a XXXX  XXXX  and I really don't need additional worries that my family might not have a place to sleep due to some incompetent company.
Product: Checking or savings account

I hired a moving company that never provided the service for my move and i was still charged. 
This company never provided the required services for my move. When I called about the move, they stopped responding. This moving company never provided the services required under the contract for my move in early XX/XX/2020. They charged me a deposit ( {$920.00} ). I called the XXXX XXXX XXXX XXXX at least ten times over three weeks. No response email or phone. When I was forced to cancel the move and hire another moving team, I reached out and asked for a full refund. The customer service general email and sales manager stopped responding to my emails. 
I tired to dispute the charges with Chase Bank once I realized i was charged. I disputed this with Chase Bank for over a year after hiring a lawyer to summon the said moving company, and come to find out that this moving company was a fraud and closed down it's business. When I asked Chase to reopen this claim with proof from my lawyer that this business was closed down to several fraudulent acts toward several people, Chase Bank would not review or discuss or refund me the monies. I sent Chase Bank the summons and civil actions paperwork as well as the receipts and complaints. They still refused to look into it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX - {$14000.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted on XX/XX/XXXX, requesting that the Credit Bureaus remove the disputed accounts and information from my Credit File. On XX/XX/XXXX, I also sent a dispute letter to the credit bureaus asking them to delete the following accounts : XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$3200.00} XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXX Date XXXX Original Balance {$2900.00} XXXX XXXX XXXX  XXXX Date Assigned XX/XX/XXXX Original Balance {$570.00} XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX Original Balance {$1300.00} XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Original Balance {$1500.00} ; that are UNKNOWN to me. The Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ) requires the credit reporting agencies to delete all accounts and information no later than four business days following XX/XX/XXXX, according to the statute that I just learned about. This is something I've already mentioned in my complaints # XXXX, # XXXX, and # XXXX and is something I'm mentioning once more. If the Credit Bureaus assert that the disputed things belong to me, kindly send me copies of any documentation that establish my ownership of the disputed items or that include my signature. The items in my credit file should be immediately removed if I don't receive them.
Product: Mortgage

Wells Fargo made me resigned my lawyer and did not want to give me a loan modification. When I resigned my lawyer, they didnt modify my loan but forced a forever range balance on my mortgage. Later on the loan was solved and it still Carries forward the forbearance.