23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2020 I mailed a certified notarized contract along with a US post office money order in the amount of {$130.00} to settle the account with Amex. The contract clearly stated that cashing the above referenced check was an agreement to the terms in that contract and the terms written on the money order as well. XXXX XXXX  received the check on XX/XX/2020 at XXXX am and cashed said check soon thereafter according to the US Post office website. By not complying within the 30 days of the original contract on XX/XX/2020, AMEX is in violation of the contract terms and I am hereby requesting that you hold them responsible for their actions and make them fulfill the contract as listed below : 1 ) Show the above mentioned account as paid in full 2 ) Remove any and all derogatory reporting from any and all credit bureaus including XXXX. XXXX, XXXX, and any others you're currently reporting to. 
3 ) All collection attempts & activities shall cease immediately 4 ) You agree not to sell or transfer this alleged account to another collection agency or debt collector. 
5 ) If you dishonor this contract or violate its terms. you agree to compensate me in the amount deemed reasonable by the court and that this agreement is a cognitive contract and you agree to summary judgement against you. 

Thank you so very much for your help and your time with this matter. I know your time is very valuable.
Product: Credit reporting or other personal consumer reports

My credit report has not been updated in a year. I was notified my personal information was leaked and shared without my knowledge
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XXXX XXXX XXXX XXXX XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation. 

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. 

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible. 

XXXX. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 




Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may resu
lt in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : XXXX XXXX XXXX XXXX : Federal Trade Commission XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You, Sincerely, XXXX XXXX
Product: Student loan

I would like to appeal my School Misconduct application that was denied. This appeal will be baised on the loan not being legally signed by the loan servicer and basied on The holder rule. The product I purchased was fradulant in nature and the loan product was sold to me by the school and has been serviced by first Sale Mae, and now serviced by Navient.
Product: Credit reporting or other personal consumer reports

I pay XXXX XXXX  monthly to Experian for a premium service. In XXXX XXXX I was alerted a change in my XXXX score went from XXXX to XXXX. An account not belonging to or opened by me had gone to collections. Part of the service is Experian alerts me if any changes, new accounts, personal information on the XXXX XXXX banking activity, car loans, and credit card activities show up on my credit monitoring. Nothing new I hadnt known about. One day an alert tells me my SSN is compromised on the XXXX XXXX. A few days later Im alerted about an account Id never heard of was in collections. Theyre supposed to notify me of any new accounts opening. They didnt because it never was on my credit report, for good reason. They deleted it from my credit report within days. Evidently someone used my SSN and my ex- wifes email to open it. 
In XX/XX/2024 the same exact thing. Same creditor, same XXXX XXXX XXXX amount, but a different collection agency was bringing my scores down. Which never went back up completely. I explained to them this is the same thing that happened 6 weeks ago. They said theyd investigate. Every 4 days Id get an alert saying your case has been updated. I log on but nothing is changed. Another call to a Fraud Specialist who tells me they have 30 days to respond. In other words there has been no investigation into this, even though it just happened 6 weeks before. Every 4 days its Dejevu speaking to a Specialist. It has been 30 days or it sure seems so. I have to do this with all three Credit bureaus Respectfully XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 and list of Inquiries.

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 a 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.
Product: Debt collection

In my recent review of my credit report for XXXX/XXXX/16, I notice Alliance Collection service reporting account to XXXX reporting agencies. I request a total deletion under the FCRA. According to my understanding of the Fair Credit Reporting Act, their duty as creditors is to accurately report on all accounts and to correct any of all the mistakes as found by their accounting department of by myself as a consumer. I thank you in advance for upholding the federal law as directed by FCRA and removing these account immediately. 

Alliance Collection Service XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Acct # XXXX {$50.00} I have disputed these unknown accounts with the Collection Agency and they provided me with medical summary charges, they violated XXXX XXXX. I am able to send the documents as proof.
Product: Mortgage

To Whom It Might Concern, I am a XXXX XXXX XXXX owner of XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. After about 1 year battle with Nationstar, we finally received a letter for an approved trail payments for the three months XXXX, XXXX and XXXX, XXXX. We immediately sent in the months Trial payments for XXXX and XXXX payments to Nationstar from my XXXX account in the amount of {$2900.00} ( please see the attached evidence ). On XXXX XXXX, XXXX, I wired the XXXX 's Trial payment in the amount of {$1400.00}. As you can see, I paid all three of my payments trail on time or before it was due. Therefore, I received the Loan Modification Agreement in late XXXX. I then Signed document in front of the Notary and sent it back to Nationstar, with Fed Ex tracking XXXX showed Nationstar received it on XXXX XXXX, XXXX at XXXX XXXX. On XXXX XXXX, XXXX, I called Nationstar to make a XXXX 's Payment but XXXX, a Nationstar Rep Said she can not accept the XXXX 's payment due to Nationstar did not receive XXXX Payment. I was surprised and request her open the case for searching XXXX Trial Payment. XXXX said to Email and fax in the evidence of XXXX wire for XXXX Trial Payment to XXXXXXXXXXXX and I did. XXXX XXXX, XXXX, I received letters dated XXXX XXXX, XXXX from Nationstar confirming the receipt of XXXX 's Trial payment but the payment was applied to XXXX 2015 monthly contractual payment. I was confused of what the heck Nationstar is doing, that trial payment of {$1400.00} was never meant for XXXX XXXX payment, I called in right away to ask them to apply the payment to the right month : XXXX 's Trial Payment. On XXXX XXXX, XXXX, I did not see Sale date move back so I called Trustee to move it back and they asked me to send in the evidence of XXXX Wiring. After emailed XXXX the same docs that I have send to Nationstar research dept, they moved the Sale date from XXXX XXXX Sale Date to XXXX XXXX Sale Date. Nationstar made it as difficult as much as possible for an old lady like me to keep my own home and it is non-compliant of how they do it. Begin of XXXX, I certify mail the XXXX 's and XXXX 's payment while waiting for the correction. Recently, I just received a denial letter from Nationstar dated XXXX XXXX, XXXX that the reason of denial is I did not make the required Trial Period Plan payment. I professionally request the help of Consumer Finance Protection Bureau to please request Nationstar to be compliant. They have received all 3 months of trail payments and sent us the Loan Modification Agreement to sign and notarized and sent back to them and then they reject our mortgage payment and put the subject property in foreclosure sale date. How is this possible? Please review all the documents attached evidently proof that Nationstar Mortgage wrongfully foreclosing my property. They received mortgage payments and signed Loan Mod Agreement and then reject mortgage payments for XXXX. This is such a contrary.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent equifax several documents to update my address for months and sent all the proof I needed and they still wont update my address to the correct address also I have not been able to access my online account in months they have failed to give me access when I told them I believe that my online account is being compromised by my ex boyfriend my correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX My ssi # XXXX
Product: Vehicle loan or lease

I purchase a vehicle at XXXX from XXXX XXXX, California around XX/XX/2015 and got a loan through Santander Consumer USA for approximately {$14000.00}. 

I have been making payment of {$390.00} ( sometimes a bit more ) since XX/XX/2015 to date. The issue is I have not really seen a difference in the balance of my loan, which is currently at approximately {$11000.00}. 

I know there have been times when I fell behind on payments and I have requested extensions throughout the six years that I have been paying for the vehicle, but I feel that for the amount of time I have been making payment I should still see a significant drop in the balance and I do not see that. 

I reached out to Santander Consumer USA a while ago to see if I could refinance the loan to reduce my interest rate which is at 26 % and I was told they do not do that. 

Recently I reached out to Santander again asking them to look into my loan being that I don't see a difference in the balance. The representative when over the loan history with me and explained that because I have fallen behind in payment and have requested several extensions most of my payments have been applied towards interest. 

I explained to him that I have been paying {$400.00} for the last six years, which equals to approximately {$24000.00}. How can I pay such a large amount of interest towards a {$14000.00} loan, even if I have fallen behind in payments this can not be. Of this {$24000.00} only about {$3000.00} have been credited towards the principal. 

I don't know what my options are at this point and would like some help in resolving this issue, and I can not afford an attorney to look into this matter. 

I just feel at this point my loan balance should be considerably low considering the length of time I have been paying. 

Your assistance in this matter would be greatly appreciated. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Fell behind on payments in XX/XX/XXXX. Sent a " Cease and Desist '' email to West Side Lending on XX/XX/XXXX revoking ACH debit authorizations and stopping all phone calls. ACH debits stopped. I received calls from West Side Lending on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The rep acknowledged that they received the Cease and Desist email but wanted to keep talking to me " since [ she ] had me on the line. ''
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$350.00} XXXX  XXXX XXXX XXXX XXXXXXXX Balance : {$8100.00}
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint with the Consumer Financial Protection Bureau regarding the failure of Equifax Information Services LLC to block fraudulent accounts from my credit report, despite repeated attempts and providing all necessary documentation. 

My name is XXXX XXXX XXXX, and my Social Security number is XXXX. I reside at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. I have been a victim of identity theft, which I reported to the XXXX Police Department under report number XXXX, with XXXX XXXX XXXX XXXX This incident involves suspected identity theft, possibly related to my ex-girlfriend, XXXX XXXX, and XXXX XXXX XXXX XXXX Data breach in 2023. 

The following accounts, which I believe to be fraudulent, require immediate blocking from my credit report : XXXX XXXX  ( XXXX accounts ) XXXX XXXX XXXX XXXX ( XXXX accounts ) XXXX XXXX XXXX  XXXX XXXX XXXX  I have made numerous attempts to resolve this matter with Equifax by submitting : A complete copy of the identity theft report filed with local law enforcement. 
A copy of my government-issued identification card. 
A recent utility bill displaying my name, current mailing address, and date of issue. 
Despite my efforts and clear documentation, Equifax has falsely marked my block requests as disputes and erroneously labeled them as " verified. '' This practice is entirely false and misleading. Furthermore, there have been instances where the data furnishers themselves have repeatedly submitted requests for removal to Equifax, affirming that these accounts are fraudulent. Yet, Equifax continues to refuse to block them, which is a direct violation of FCRA Section 605B and FCRA Section 611. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is legally obligated to promptly block fraudulent information from my credit report upon receiving proper documentation of identity theft. Equifax 's failure to comply with these provisions is unacceptable and has caused significant distress and financial harm. 

In addition to filing this complaint, I have informed Equifax of my intent to pursue legal action should this matter not be promptly resolved. I request the CFPB 's intervention to ensure Equifax fulfills its obligations under the FCRA and to seek appropriate remedies for the harm caused by Equifax 's negligence. 

Enclosed are copies of the documentation previously provided to Equifax, including evidence of fraudulent activity and communications from data furnishers affirming the fraudulent nature of these accounts. 

I appreciate your attention to this matter and urge the CFPB to conduct a thorough investigation into Equifax 's practices regarding this issue. I look forward to your prompt intervention and resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Product: Credit reporting or other personal consumer reports

XXXX I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which
mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card

I went to use my Capital One Venture One Card recently and it was declined. I later went online and the account is showing closed. I called Cap One as they hadn't notified me. They said they closed the account and sent a letter in XXXX and XXXX. Neither letter is uploaded to their site, and I did not receive a letter in XXXX or XXXX about account closure. I did receive a letter in XXXX stating the auto pay was turned off. I called in at that time and was told it was for having a XXXX balance. 

The card in question had XXXX points when they closed it. So, I now have less available credit, and lower credit score ( due to less available credit ), and they've stolen the points I earned, all without notifying me before or after account closure. 

I spoke to multiple people recently at Cap One and all said there is nothing they can do. Additionally, not one person knew who their regulator wast to file a complaint with which is absurd. I initially filed a complaint with the Fed, who said I need to file it with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud account open with XXXX XXXX explained this but it was not fixed
Product: Mortgage

This is a new mortgage and the problem occurred when I accidentally made a duplicate payment for XXXX. I did not realize that the automatic payment would begin so quickly as I had not received confirmation, so on XX/XX/XXXX I made an electronic payment. On XX/XX/XXXX, the automatic payment went through for a second payment. I immediately called customer service and was told I could submit the request on line via the customer service portal. I did that on XXXX but did not receive an email confirmation until XX/XX/XXXX. I called the company and was told the check was cut XX/XX/XXXX and to give it a few days due to the holiday. 

It is now XX/XX/XXXX and still no check. I have called, emailed and called every day to be told the check was mailed XX/XX/XXXX and to wait a few more days. I have been transferred, cut off, hung up on, ignored and lied to with every call. 

No one will provide their name, telephone number or any other information other than we are checking on this and will call or email you. In the meantime I have continued to make the payments and have experienced financial hardships, paid late fees and dealt with incredible frustration just trying to get the duplicate payment reversed or I'll even live with the duplicate payment being applied to the account. 

Please help
Product: Debt collection

I contacted this Jefferson Capital about two XXXX accounts they reported to all 3 credit bureaus that were not mine. I never had XXXX phone service, and they sent me letters and told me on the phone the debt would be removed from my credit report, It was removed on XX/XX/2021, XXXX XX/XX/2021 it was back on my credit reports. I am disputing this again with credit bureaus