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

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX Balance Owed : {$8.00} XXXX  XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$8.00} XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

I am filing a complaint against SANTANDER CONSUMER USA INC for unlawfully repossessing my vehicle violating a cease and desist letter and premature actions after filing for arbitration case filing on XX/XX/XXXX SANTANDER CONSUMER USA INC REPOSSESSED MY VEHICLE ON XX/XX/XXXX VIOLATING BOTH AGREEMENTS THE LOAN WAS CHARGED OFF BEFORE REPOSSESSION AS A XXXX INDIVIDUAL THE REPOSSESSION AND DENIAL OF MY REQUEST OF BACKDATED PAYMENTS CAUSING SIGNIFICANT EMOTIONAL AND FINANCIAL DISTRESS, WORSENING MY SITUATION I SEEK THE RETURN OF MY XXXX GREY XXXX XXXX AND ADRESS THE AND COMPENSATION FOR FOR DAMAGES, AND FINANCIAL DISTRESS, WORSENING MY SITUATION AND FOR THE CFPB TO INVESTIGATE THESE VIOLATIONS AND ADRESS DISCRIMINATORY PRACTICES SANTANDER CONSUMER HAS SHOWNDISCRIMNATION WHEN I STATED I ONLY HAVE XXXX MONTHLY PAYMENTS AND ASKED FOR BACK DATED PAYMENTS OR ANY RELIEF AND KNOWINGLY VIOLATING THE CEASE AND DESIST LETTER AND FAILURE TO HONOR ARBITRATION I AM SEEKING FINANCIAL COMPENSATION FOR DAMAGES DUE TO THE ACTIONS OF SANTANDER CONSUMER USA INC NOT ACTING IN GOOD FAITH TO HONOR THE CONTRACT AND THE CHARGEOFF AND REPOSSESSION AND DISCRIMINATORY PRACTICES.
Product: Credit reporting or other personal consumer reports

In the 2024 year every couple months my credit score drops XXXX to XXXX points. I contacted TransUnion as they are the major unit used on my banks site. Their representative said she could find no reason for this tendency so I asked if they could correct my score to which she replied no. I understand that this is controlled by computer but I am afraid that there is a problem with the algorithms utilized in the programming. Whatever the problem there has been no changes in the report for months but they have again dropped my score XXXX something points. I would like to get to the bottom of the problem here. Thank you in advance for any help with this because the other XXXX agencies seem to reflect Transunion 's assessment here.
Product: Credit reporting or other personal consumer reports

I have reached out multiple multiple times to Transunion requesting from them documents that they are required according to the law to provide to me and they continue to refuse and causing me tremendous damage ILLEGALLY. 

this is in regards to inquiries on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX They keep on sending me back letter saying " we verified it is correctly reporting '' HOWEVER, they refuse over and over again go actually send me what I am requesting legally. I never ever had a car, applied for a car, I do n't drive. None of these above inquiries are actually mine. 

This is my last and final request before handing this to my legal team and gon na get back all the damage they caused me the past year. I will be taking this very serious from here forward because they are CLEARLY VIOLATING THE LAW. The law requires for them to provide me with the actual proof showing my name, signature, or anything they can proof that these are in fact mine. Because they are in fact not mine. And never did I apply for anything with these banks or dates.. 

THIS IS MY FINAL ATTEMPT VEFORE ESCALATING THIS TO REQUEST TO PLEASE PROVIDE ME WITH ALL DOCUMENTS YOU OBTAINED TO VERIFY AND PROVE THESE INQUIRIES ARE MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Experian, XXXX, and XXXX to verify the accuracy of these accounts : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX IN Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number : XXXX However, they did not correct the errors and claimed that everything was complete and accurate. This is not possible because the open date, date of the last activity, and other information are incorrect. According to 15 USC 1681i ( 5 ), they are required to modify accounts that are not reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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. 

Also, they are not following the XXXX XXXX credit reporting standards. I have evidence to support my claim.
Product: Mortgage

I satisfied my loan obligation. The mortgage lien remains of record, as the lender failed to file a satisfaction of mortgage at the county clerk. Even upon providing a copy of correspondence confirming the loan was paid in full and a copy of the satisfaction from the lender, and after the passage of weeks of time ( nearly a month ) I have had no response. 

My house is under contract to sell and the closing date was XX/XX/2019. I am very concerned my buyer may declare me in breach and I would be in serious financial jeopardy with the buyer. Additionally, I am under contract to purchase a home and risk the same serious perils. 

Please help me secure a satisfaction of mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. The items are listed below : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023, XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX Balance : {$2400.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car accident  on XX/XX/XXXX, needed XXXX XXXX  done, got an attorney, XXXX XXXX was paid and my case was closed. On XX/XX/XXXX - six years later, I received a bill from Plus Four , Inc. saying I owe {$310.00} to XXXX XXXX. My attorney  paid XXXX XXXX {$1600.00}. I called Plus Four Collection agency and asked them to note my account. In XX/XX/XXXX, I received a credit card statement showing my credit score dropped 130 points. When pulling my XXXX  credit report, it shows Plus Four Inc. entered a {$310.00} collection on my account for XXXX XXXX in XX/XX/XXXX. Seven years later ... .with no notice to me. I have not received any written correspondence or phone calls. This debt was paid and should NOT be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a FTC Affidavit along with a police report to Experian showing that the XXXX XXXX XXXX account was opened as a result of fraud. This matter still has not been resolved. I need your assist in getting this matter resolved. I also can't see my credit results for XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint regarding a fraudulent account reported on my credit file. 
Despite my efforts to address this directly with the credit bureau ( XXXX ), they have failed to take the appropriate action as mandated under the Fair Credit Reporting Act ( FCRA ). 
The account in question is listed with the following details : - Account Number : XXXX - Type : Auto Loan Issue : This account is fraudulent and does not belong to me. I have disputed this with the credit bureau ( XXXX ), but they failed to verify the information appropriately or comply with my request for immediate investigation and deletion under the FCRA. 
Under FCRA Section XXXX, I requested temporary deletion of this account while the investigation is ongoing, or permanent deletion if verification could not be achieved. 
The credit bureau ( XXXX ) failed to comply with this legal requirement and did not provide sufficient evidence to validate this account. 
My Requests : XXXX. Immediate Deletion : - I am requesting that the credit bureau ( XXXX ) immediately delete this account as it is fraudulent. If itcannot be verified with the original signed contract, chain of custody, and matching identification used to open the account, it must be permanently removed. 
XXXX. Investigation : - I demand the credit bureau ( XXXX ) provide a complete investigation and verification process, including : - The original signed contract authorizing this account. 
- The ID used to open this account and proof it matches my information. 
- Full chain of custody of the account and records of all transfers. 
- Proof of legal authority and licensing of the debt collector/creditor to collect this debt. 
XXXX. Compliance with the Law : - The credit bureau ( XXXX ) must comply with FCRA Section XXXX by ensuring the accuracy of the information reported. Failure to comply should result in penalties and enforcement action. 
This fraudulent account is harming my creditworthiness and causing significant distress. I expect prompt action from your office to investigate this matter and ensure compliance with federal laws protecting consumers like me. 
I have attached all relevant documentation, including my correspondence with the credit bureau ( XXXX ) and copies of my credit report reflecting this account. 
Thank you for your immediate attention to this matter. Please do not hesitate to contact me if further information or documentation is required. thank you
Product: Debt collection

Unknown and appears to be outdated, disputed with no outcome. Please help
Product: Mortgage

In XXXX 2020, I received a letter from Mr. Cooper ( mortgage servicer ) that they had paid a new homeowner 's insurance policy using my escrow funds. I had not changed insurance providers or coverage, and my existing policy is paid through XX/XX/2020. 

I contacted Mr. Cooper several times, and reps kept saying someone would call me back. Finally, on XX/XX/2020, a customer service rep for Mr. Cooper was able to speak with a rep from the insurance company in question XXXX XXXX XXXX XXXX, who confirmed that the insurance policy was not in my name, and did not match my address. The Mr. Cooper rep also confirmed that the money was taken out of my account by accident to pay this policy. I was told I would receive either a check for the amount XXXX {$1000.00} XXXX or a refund to my escrow account within 14 days. 

I did not receive a refund, so contacted Mr. Cooper again on XX/XX/2020. I was told they would call me back, but no one did. I'm not sure how this mistake happened, but it is not my responsibility and Mr. Cooper has made no effort to fix their error.
Product: Debt collection

Security Finance is harassing me with continuous phone daily on an account I have already spoken to them about. They call every day, even though I have talked to them about it and my understanding is they are not allowed by law to call me for 7 days after I talk to them. They have also called me more than 7 times in 7 days. I have voicemails to this effect. I do not dispute the debt, but I have lost my job and currently have no income. I told them this but they continue to call. Do I have any recourse to stop them from harrassing me?
Product: Credit card

Original Creditor sold debt to XXXX  party. 
Amount XXXX XXXX XXXX,2024 Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX
Product: Debt collection

I have sent a validation letter to Midland Credit management, and they have failed to provide me with all the requested information. I also noticed that as a collection they are reporting as the original creditor, as well as reporting as an open account. Which should not be done when an account is in collection.
Product: Debt collection

I am XXXX XXXX submitting this complaint against Receivable Management and there is no third party involved. Receivable Management did not provide me with sufficient documentary evidence such as tracking number or some type of signed delivery slip by me the consumer, proving that I received and was made aware of collection activity of this alleged debt, this alleged debt had been fraudulently placed onto my consumer report with forethought and malice to being harm to me and my financial reputation.
Product: Debt collection

Started receiving notices about an unpaid debt from Scott & Associates. I had no knowledge of this debt and sent a verification of debt request in XX/XX/2019. I never received a response verifying the debt and the company continued to harass me and call about this debt. They have now filed a lawsuit for collection on a debt that is not mine. Claimed amount is {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following notifications on my credit are fraudulent of incorrect. I have not changed address or applied for any new credit. My email was found in a security breach and the following is reported : I am seeing a new inquiry from XXXX XXXX XXXX on XX/XX/2023. 

I am seeing a new inquiry from Jpmcb Card on XX/XX/2023 I am seeing a new Inquiry from XXXX XXXX XXXX on XX/XX/2023 I am seeing a false address on my credit XXXX XXXX XXXX on XX/XX/2023 I am seeing a new inquiry from Jpmcb Card on XX/XX/2XXXX XXXX
Product: Mortgage

I applied with Freedom Mortgage and then cancelled my loan to go with another lender. I have asked them numerous times to have my FHA case number transferred and no one wants to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The care credit and net credit accounts are not accounts I opened or have any knowledge of opening. It's destroying my credit since they are in delinquency and the care credit is closed because i refuse to pay for something I did not utilize or have any knowledge of opening. They are fraudulent actts. And although I made a payment on them it was to keep these fraudulent a ccts from becoming delinquent and destroying my once good credit score but they were illegal and way beyond my means and. And I couldn't pay them untill the were taken off. Because I never opened them they still wanted me to pay it's so messed up
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX  According to the Fair Credit Reporting Act 15 USC 1681 Section 602 ( a ), state There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, Experian, XXXX, and XXXX XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 
15 USC 1681 section 604 ( a ) section 2, states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instruction of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, Experian, XXXX, and XXXX XXXX  do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX, and XXXX XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer, is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 
This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) states A person shall 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. 15 U.S Code 1681 ( e ) states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of the title to limit the furnishing of consumer reports to the purpose listed under section 1681 ( b ) of this title. XXXX, Experian, XXXX, and XXXX XXXX  are not maintaining reasonable procedures. Also 12 CFR paragraph 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit card

On XXXX XXXX XXXX  I attempted to make a minimum payment of XXXX using Bread Financial Online system to make a payment on my account. It took almost 45 mins to be able to access and make a successful payment. That resulted in my payment posting {$1100.00} instead of the {$42.00} min balance. By the time I became aware of the difference the {$1100.00} payment amount was deducted from my bank account. On XXXX XXXX XXXX, I contacted a live agent at Bread financial to inquire about the difference in payment amount reflected on my preview vs what was deducted and I was informed that the full balance was not typed in the payment amount. Even though their application has a separate button for {$42.00} minimum due and {$1100.00} balance. I was also informed my payment would not post for 7 to 10 business days. I requested a XXXX balance payoff letter to have proof of this transaction. On today XX/XX/XXXX, I reviewed my account to find out I was charged a late fee {$41.00} and interest fee of {$24.00}. Even though I have faced technical glitches that are the result of bread financial that impacted my finances they are only willing to provide a credit of {$15.00}. They are not willing to take ownership of the technical glitches on their end. I had to reset my password multiple times on every occurrences I have tried to access my account this month, I have faced technical glitches with the payment system and received unacceptable responses to why the technical changes are my financial problem. 
I am seeking credit of the {$41.00} late fee and {$24.00} interest charge as I have paid off the full balance {$1100.00} on this account and no longer looking to do business with an organization that does not take ownership to their internal mistakes that lead to financial hardship transferred to the consumer.
Product: Consumer Loan

I have XXXX open auto loan with Mercedes Benz Financial Services. I contacted MBFS because they had not been updating my balance with the credit bureaus. They stated that they would update my balance. Instead, they updated my balance to more than I originally purchased the auto for. I then contacted MBFS again and did not get anywhere with them. I filed complaints against MBFS and a member of their executive team, XXXX XXXX contacted me and stated that she would make sure the correct balance was reported. Two days later, I receive notification from XXXX that the MBFS account had been updated to reflect the correct balance owed HOWEVER, they also added another account to my credit report under XXXX XXXX XXXX using the same account number as I have with MBFS. Now I have XXXX accounts listed on my XXXX credit report with the same account number and different balances. XXXX stated to me that they can not remove the duplicate because it was reported under XXXX XXXX XXXX and that I would have to deal directly with MBFS. The account listed under MBFS is reported with the correct balance of {$48000.00} and the false XXXX XXXX XXXX is reported a balance of {$50000.00}. Both have identical account numbers but different balances. MBFS is listed underneath the XXXX XXXX XXXX. I now can not go forward with my home loan because my XXXX credit report shows that I have over {$99000.00} in auto loans which is FALSE.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and 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 USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b 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! 15 USC 1666b ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports