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

I am writing to bring to your attention several inaccuracies on my consumer credit report, as maintained by your agency. I have identified numerous discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and related statutes. I believe it is essential to rectify these issues promptly to ensure the accuracy and fairness of my credit profile.

I have previously contacted your agency through multiple letters regarding the following concerns : 1. Late Payments : There are inaccuracies in the reporting of late payments on my credit report.

2. Credit Utilization : There are inaccuracies in the reporting of credit utilization on my credit report.

3. Personal Information : The reporting of personal information such as names, addresses, phone numbers, and employers is incorrect. I assert that the entities providing information to credit agencies ( Furnishers ) have no right or written consent from me to furnish my information.

4. Revocation of Consent : I hereby revoke any forms of consent, be it verbal, non-verbal, written, or implied, for the Furnishers to furnish my information.

5. Non-Disclosure Option : I have not been properly informed by the Furnishers of my right to exercise a nondisclosure option, as required by 15 USC 6802 ( b ) ( c ).

6. Adverse Information : Inclusion of adverse information without proper authorization violates 15 USC 1681C ( a ) ( 5 ).

7. Knowingly Furnishing Inaccurate Information : Furnishing inaccurate consumer information knowingly is prohibited under 15 U.S. Code 1681s2 ( A ) ( 1 ).

8. Immediate Deletion of Negative Accounts : I request the immediate deletion of all negative or derogatory accounts on my credit profile with Experian, XXXX, and XXXX. 

9. Removal of Credit Utilization : The credit utilization information should only show the amount of the credit line, not the utilization level. Immediate update across all three credit agencies is requested.

10. Correction of Personal Information : I request the correction of personal information to reflect only XXXX name ( XXXX XXXX ), XXXX address ( XXXX XXXX XXXX XXXX XXXX TX XXXX ), XXXX phone number ( XXXX ) and no employers. 

11. Deletion of Personal Statement on XXXX Report : I request the immediate deletion of the personal statement on the XXXX consumer report and the balance of credit scores. 

12. Notation of 15 USC 1681 ( c ) : Immediate notation of 15 USC 1681 ( c ) in Experian, XXXX, and XXXX systems concerning my consumer report. 

XXXX. Compensation : I request {$1000.00} per violation in accordance with applicable laws. 

I appreciate your prompt attention to this matter. Please investigate and resolve these issues within the required time frame as per FCRA guidelines. 

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

I am writing to delete the following information from my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and also have enclosed copies of the Federal Trade Commission identity theft affidavit. Please delete these items as soon as possible
Product: Credit card or prepaid card

I had a package stolen by usps worker, I tried contacting merchant and my account was closed I tried contacting usps and nothing came from the investigation even though packages in area are being scanned delivered and customers never receiving their packages. I submitted multiple disputes with cashapp, I was refunded the money then it was taken out my account again and the dispute was closed with no communication or explanation.
Product: Mortgage

While reviewing my statements for securing some pay-off figures with the Lender, Santander Bank, I have just discovered that an annual {$50.00} fee has been added into the balance of the loan principal amount due, thereby increasing the ending balance figure. This inflated balance figure is subject to ongoing interest expense ; which has occurred for the duration of my HELOC account with this Bank. This practice has been happening since the loan rewrite in XX/XX/2014. 

The expense of an annual {$50.00} fee and aggregate interest ( a variable figure ) was rolled into the loan amount, which increased my costs to a non-calculated amount. This increase in interest for the inflated amount has benefited Santander for the past four years.

I have notified Santander, with the intent of paying off one portion of this structured loan, but now the amount due, as shown on their statements, has been inflated by the practice described above.
Product: Debt collection

I have been receiving calls from this company for weeks now. Most time I ignore it but today I'm sitting with my wife and kids watching tv and decided enough was enough. I've been in contact with XXXX  card services and have set up a payment plan thru their own website. I have been in contact with XXXX. I attempted to explain my situation and the fact that I have already made an agreement thru XXXX  and the did not listen. As I was explaining myself the guy on the phone just spoke over top of me. He was extremely rude. So I asked for a supervisor. I was immediately placed on hold and just waited a few minutes before I hung up and called them back. I then asked again for a supervisor was placed on a brief hold until a women answered claiming to be the shift supervisor. She proceeded to talk over me as I once again tried to explain myself. Then I asked to speak with her boss and she gave me some run around. Then proceeded to ask me for more personal info before she could give me her boss 's contact info. It was a giant run around. I told them numerous times over numerous calls to stop calling me. I will provide a screenshot of my agreement with 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 XXXX XXXX XXXX. 

Account Name : XXXX  : Account Number : # XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/year> XXXX 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: Credit card

I discovered a duplicate charge to a hotel from XX/XX/XXXX. Initially when the charge happened I was told by PenFed that both charges were pending and one would fall off when it was processed. It never fell off. 

After I filed a dispute in XXXX, I was told by PENFED Credit Card company to contact the merchant which I did- the merchant ( XXXX XXXX XXXX only shows one charge under my name and account which I only have one receipt for my stay in XXXX  XXXX, and the credit card company says they can not reverse the duplicate charge to the hotel - the hotel did not process a duplicate charge, so there must be a glitch or unauthorized duplicate charge processed by PENFED that they refuse to research or resolve. Regardless of the timeframe that has passed the duplicate charge is UNAUTHORIZED. Both charges are for the same date and {$500.00} ( XX/XX/XXXX XXXX XXXX in Indiana ).
Product: Credit reporting or other personal consumer reports

In the XXXX XXXX XXXX XXXX XXXX XXXX I contacted the CFPB because XXXXXXXX XXXX XXXX Has inaccuracies on my credit report which are violating my rights of the FCRA the It says the account was closed on XX/XX/XXXX, however, in XXXX I contacted CFPB and asked XXXX XXXX XXXX  to show me the original contract validating that this is my debt and I never received that contract nor did I ever receive any proof of how this debt is mine which is madatory to be shown after a investigation has taken place and being that its been more than 30 days. They clearly violating 15 USC under the FCRA laws also knowingly reporting inaccuracies that have been proven to befaulty is extremely illegal and damaging to my credit i need this account removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel my rights under FCRA has been violated due to being denied copies of documents that were supposedly used to validate accounts and public records on my credit files. Ive been trying to resolve multiple negative student loans accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished this account on my credit report an account in which I have no contract with. We have no agreement therefore no agreement was signed. A legal contract is signed by two parties, and I did not participate in any agreement with the malicious party who is abusing me as a consumer. More so they did not follow the proper five step validation procedure which makes these unfair practices.
Product: Vehicle loan or lease

Santander Consumer USA has continuously " rebirth '' the account/loan information. The account was listed in a Bankruptcy - The creditor is in violation of the FCRA- this is not an active " open '' account. The account was charged off over 6 years ago - Santander Consumer USA has listed the old account as NEW with a open date of XX/XX/year> The account as charged off as a " bad debt '' /profit and loss write-off. The creditor has repeatedly ignored the disputed accuracy of the account.
Product: Debt collection

Have been called twice daily for a week after my wife and I both have told them not to call us in an attempt to collect. Last call at XXXX XXXX/XXXX/06. Started on caller ID as First Credit Services, now they are " unavailable '' on caller ID. number used are XXXX, XXXX
Product: Vehicle loan or lease

XXXX, I Have AutoLoan With Ally Bank On A XXXX  XXXX XXXX, I made a partial payment on the loan and requested a one month deferment do to change of employment since then I have not received any type of understanding from Ally I have been hit with late fees past due payment on my credit reports .I also went to dealership XXXX XXXX only to find out that the vehicle dealer had sold out and also added the amount of previous vehicle that they bought from me to the total amount financed through ally, this is unfair pratices bye all parties, now my credit has been put in jepordy and I have been threatened with repo and bad credit
Product: Checking or savings account

This is my third attempt to have Fifth Third Bank prove that I was in the bank when a teller showed my husband the details of MY account which they never should have since he was not on the account. They claim I was in the bank with him at the time which I was NOT. I was at home recovering from XXXX. How can this case continue to be closed when they violated my privacy and their own published privacy policies? I will continue to fight this inappropriate and illegal action against me. 

I have also asked for copies of all bank statements of all accounts including mortgage. They have failed three times to provide it all. They provide pieces or duplicates and then tell me they won't provide anymore. I expect ALL COPIES OF ALL ACCOUNTS.
Product: Mortgage

On XX/XX/2021, I contacted PennyMac to initiate a loan refinance. Rate lock of {$100.00} was given to secure our rate for 60 days and initiate the loan on the same day of XX/XX/2021. Once documents were received from us and a loan was generated by underwriting, I was contacted on Friday XX/XX/2021 to set a close date as well as I received the proposed closing documents. The loan documents received were not the loan amount or amount to close that was discussed. After returning the call the following week, I was sent back to XXXX XXXX and he agreed that it was nothing that we discussed, so he guaranteed he would work on getting it revised to reflect our agreement better and he would be in touch. No further contact was received from the company for a few weeks so I emailed XXXX on XX/XX/2021 and had no reply for 1 week. I then called all of the contact numbers I had for him and when I finally got to talk to him, he stated that he had no answer but the loan was closed and it would require a second credit pull and rate lock to get the loan process restarted. With some conversation, he promised that he would as his supervisor to review the case and get it reopened so we can still close on the loan. 2 subsequent days of calling both XXXX and his supervisor XXXX XXXX, we had no new answers and they wouldn't take the calls. We received one email from XXXX stating there is still no answer and his supervisor will work on it. Since then, there has been no communication from their side and they will not answer or return emails or calls. XXXX XXXX 's number is listed as XXXX. XXXX XXXX 's number is listed as XXXX ext. XXXX. We did not receive any refund after the communication stopped and we have nothing to show for the entire process other than the credit pulls which should be then removed from our reports as well.
Product: Debt collection

On Wednesday, XXXX XXXX between XXXX and XXXX, my employer was contacted by a man named XXXX with a collection company. He asked my employer to know personal information about myself. The phone number was XXXX ext. XXXX
Product: Credit card or prepaid card

In accordance with the fair credit reporting act convergent has violated my rights. 15 USC 1681 Section 602 States I have the right to Privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 Use 1666B : A creditor may not treat a payment on a credit card account unlearn open end consumer credit plan as late for and purpose. Please fix to show no late payments
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, ND XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX Balance XXXX {$3400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00}
Product: Mortgage

I'm facing delays and denials in applying for a home equity line of credit from Pentagon Federal Credit Union due to my XXXX income. 

PenFed keeps asking for proof that it will continue for three years despite giving them my policy that shows its to age XXXX ( I'm XXXX years old ), plus XXXX  years of W2 statements, plus tax returns, plus last three monthly bank account statements, plus screenshots of receiving my payment this month. 

There is literally nothing else I can provide for PenFed but they issued a denial notice of incomplete application. 

PenFed made written statements like " The monthly bank statements may work to proof that the income is currently received but will not work to proof that you will continue to receive the income for the next three years. '' I've previously gotten a mortgage and another HELOC  from other lenders on the same XXXX income and same proof without any issues. Ironically, a couple years ago PenFed approved a personal loan for the same XXXX income with the same documentation. 

Its clear to me that PenFed is engaging in a pattern of practice of discriminating against applicants that receive XXXX income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am continuously being harassed by collection agencies with illegal threats over debt that is not mine. I have notified the bureaus of identity theft but XXXX and XXXX refuse to help me to remove them. I never signed up for any of this debt. These creditors and and the bureaus need to remove this false information.
Product: Checking or savings account

I use to have a wells Fargo checking account from XXXX. I use to be constant charged overdraft fees from the bank knowingly I had money in the account and they would constantly hit me with overdraft fees. I ended up closing the account and switching to XXXX.
Product: Credit reporting or other personal consumer reports

To whom this XXXX concern in regards to the XXXX XXXX account reporting an opening date of, XX/XX/year>, And the XXXXXXXX XXXX account reporting an opening date of XX/XX/year>. 

I am writing to formally dispute the inaccurate information reported on my credit file concerning the charged-off accounts with with each company. Upon reviewing my credit report, I discovered that these companys have reported these accounts as charged off and categorized them as a profit loss. 

Under federal law, specifically the Fair Credit Reporting Act ( FCRA ), creditors are required to furnish accurate information to credit reporting agencies. In this instance, if the account was charged off as a profit loss, I should have been provided with a Form XXXX for tax purposes. Failure to issue the required tax documentation constitutes a violation of reporting standards, and the current reporting appears to be false. 

I hereby request the immediate removal of these account from my credit report. If this issue is not resolved and the accounts are not removed within XXXX  days, I will pursue statutory damages and legal remedies as allowed under the FCRA. 

Please confirm receipt of this letter and provide a written response outlining your actions within XXXX days. 

Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 state I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 purpose
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Third Dispute Regarding Inaccurate Late Payments Dear CFPB, I am filing a formal complaint against your agency for failing to correct inaccurate information regarding late payments reported on my credit report for one of my accounts. Despite multiple requests for correction, including letters dated XXXX and XXXX, my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Disputed Information : Late payment notations remain inaccurately reported despite my payment history showing all payments were made on time. Specifically, your records inaccurately report the following : 30-day late payment in XX/XX/XXXX. 
60-day late payment in XX/XX/XXXX. 
These inaccuracies are reflected in the reports from both XXXX and Experian, while XXXX fails to report this account entirely. The remarks in your records indicate " Account was in dispute- now resolved - reported by subscriber, '' yet the errors remain uncorrected. 
Violations Identified : FCRA Violations : 15 U.S. Code 1681i : Requires credit reporting agencies to ensure the accuracy of information in consumer files. This has not been upheld in my case.

15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
PAANL Violations : Under the Protection Against Non-Payment of Obligations Act ( PAANL ), creditors are obligated to provide timely statements to prevent unfair penalties to consumers. This responsibility has not been met, as evidenced by the inaccurate reporting.

Desired Resolution : Immediate removal of all inaccurate late payment notations from my credit report. 
Written confirmation of the correction made to my credit file. 
If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with relevant regulatory agencies and pursuing potential legal action. 
Attachments : To assist with your investigation, I have included : Copy of my Social Security Number. 
Copy of government-issued ID. 
Proof of address. 
Highlighted credit report indicating the inaccuracies. 
I kindly request that you provide a detailed description of the investigation process and the evidence used to validate the late payments within 15 days, as required by the FCRA. 
Thank you for your prompt attention to this matter. I look forward to receiving a resolution and confirmation of corrections within the timeframe mandated by law. 

Sincerely, XXXX XXXX XXXX