23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR SANTANDER CONSUMER USA & ALL CRA 'S ; I've attempted several times to ratify the issue with the Santander consumer usa and credit bureaus and they still reporting inaccurate, unverifiable information and misleading. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid - How is that even possible? If you see the attachments you will notice that the account status was never updated, inconsistent with payment history and they've failed to provide detailed information about this account such as transaction history to see the breakdown of the payment and how it was applied. What is the 1st dates of delinquency ; why didn't dates of last active. Well, it's impossible that thi account can be justified as accurate or even verifiable under the consumer laws especially section 609. SORRY FOR SO MANY INACCURACIES, INCONSISTENCIES, MISLEADING AND INCOMPLETE INFORMATION AND XXXX.
Product: Debt collection

On Saturday XXXX XXXX, 2015 at XXXX XXXX an unsolicited email addressed to me was sent to an email account. The email stated I owed {$790.00} for a cash advance at ACE Cash Express. 

I have prepared a request for debt validation to be mailed to XXXX XXXX XXXX on XXXX XXXX, 2015. I am concerned that the debt collector sent information about me and the alleged debt to an email account that is not registered to XXXX XXXX. 

Furthermore, the debt collector sent the email from XXXX account ; yet the email states the communication is from someone named XXXX XXXX. 

I am concerned that this correspondence is a scam.
Product: Mortgage

Nationstar is in violation of CA Homeowner Bill of Rights anti dual tracking policy by continuing with a foreclosure proceeding when borrower is seeking an alternative to foreclosure. A short sale request was submitted on XXXX/XXXX/16 and Nationstar set a foreclosure sale date for XXXX/XXXX/16. Furthermore Nationstar has stated they will move forward with the foreclosure which is a clear violation of CA Homeowner Bill of Rights which explicitly states lenders and servicers " CAN NOT CONTINUE WITH THE FORECLOSURE PROCESS ONCE A FORECLOSURE ALTERNATIVE PROGRAM HAS BEEN SUBMITTED ''. There is nothing in the CAHBOR which limits dual tracking to only modifications nor is there anything in CAHBOR which states a short sale must be approved to avoid dual tracking. This is a fallacy concocted by Nationstar which is not accceptable nor is it legal.
Product: Credit reporting

This company is requesting payment for accounts that I do not owe on. {$500.00} from CREDIT MANAGEMENT.. 
These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to EQUIFAX. This needs to be removed ASAP. I am unaware of the accounts and have no verification this debt is mine. ... only know of this account based on it being reported in my credit report ( s ). I 've never heard of this company and DO NOT owe a Balance of {$59.00} to XXXX! We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. I will contact the Attorney General AS WELL against EQUIFAX AND XXXX XXXX in their respective state and both of these companies if this is not resolved NOW! EQUIFAX and These CRAs should be banned from doing business and ruining peoples lives without verifying information 1st! 
I 've ALWAYS had this type of trouble before with EQUIFAX. From fraudulent inquiries on my report, which they will not remove to situations like this. I file complaints over and over and will keep doing it! 
My report with them has always been incorrect. From having an out of date address from over 6 years ago as my main address to not having all of my current TradeLines listed that are active and in good-standing.I 'm not surprised with Equifax! 
I have submitted as well an official SS card and pay stub, XXXX with my correct address and these numbskulls still will not update my address. 
ALL references regarding this account must be deleted from ALL reporting agencies. 

-- Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple times on incorrect items that are on my credit report with XXXX, Experian and XXXX and it has taken well over 30 days of me not receiving any investigation results.
Product: Mortgage

My previous Complaints with Nationstar have not been resolved. NS obstructed a refi loan that would have paid them in full. NS has illegally increased the prin. bal due on the loan, and has violated Fed and Nv. State laws. NS has not and can not prove the legal owner/ investor in the XXXX XXXX, nor can NS prove it has the legal right to service the loan. No assignments of the loan have ever been recorded in XXXX Co. Nv. The XXXX assertion of transfers have not been substantiated, and XXXX has refused to answer specific questions as to who authorized them to change their entries as to investor/ servicer. No Fed or State agency will take jurisdiction over NS 's misconduct and the numerous accounting ( documented ) errors.I have tried for years now to resolve the multiple issues, and have prepared a Complaint ag. NS to be filed in Fed. Crt. if  necessary. Hopefully the New CFPB will investigate NS again, and not just fine them but force them to resolve consumer Complaints ... XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 Midland credit management was provided a request for debt VALIDATION and refused to send the requested documents, but instead opted to send an old bill from the said acct. The name is not correct and neither is the address on the debt. therefore i take no responsibility for said debt. the company refuses to send the documents i have requested and proof of my legal obligation to pay the debt. The company can not provide information according to the operator on the call as well but refuses to remove the debt from my credit file.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, has violated my rights. 

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

Old Account under my name, I paid the amount of {$250.00} on XX/XX/2020 and I just need to remove that from collection from I C SYSTEM
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided XXXX, XXXX and Experian standardized affidavits and provided notarized identification, in compliance to the Fair Credit Reporting act 610 ( a ) ( i ) and FCRA 609 ( a ) ( 1 ) ( A ) informing these companies of an inaccurate bankruptcy and debts discharged reporting on the credit file maintained under my social security number. 

XXXX XXXX was also reporting this inaccurate information but deleted it as a result. Therefore, because I am a victim of identity, I have filed an attached my FTC report under the FCRA 609 ( d ) ( 1 ) in reference to this reporting. Section 1681 e ( b ) requires these organizations to verify my identity with the original furnisher, and they have not because I have written and contacted the courthouse listed on the report and they responded back on company 's letter head that it was not the provider of this information and since XX/XX/2005, do not keep full social security number because of this very cause FCRA section 1681 ( a ) ( 5 ). 

This is affecting my ability to get credit and my livelihood, according to my state attorney, Mr . XXXX, ( Mississippi ) this a violation of my privacy laws of the FCRA and identity. XXXX XXXX XXXX v. XXXX  XXXX XXXX XXXX case shows the judge ruled that the court can not just rely on computer generated documentation. Therefore XXXX XXXX verification or 3rd party is noncompliance and unverifiable, so I requested in legal documentation affidavit to provide me the name, address, and telephone number of anyone from the original source, furnisher, that was contacted under the FCRA 609 ( a ) ( 2 ) and all 3 companies have failed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 
You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. 
XXXX, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. 
If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. 
& Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information.

If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). for these listed accounts below. 
Accounts 1. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a person on XXXXXXXX XXXX agreed to buy my XXXX  and XXXX  me for it. They said they sent the money with an extra XXXX $ that needed to be refunded but it was taking a minute they were extremely persistent. Then they impersonated XXXXXXXX XXXX in an email to fraud me into sending the XXXX $ because the email claimed the money was on hold for protection, the email even had clickable things that brought you to the XXXX website so it seemed legit. I do not use XXXX enough to have known and after sending the refund to retrieve my money i got another email to send XXXX $ For a tax and vat fee and it alarmed me something bad had happened and i called the bank immediately within seconds and was told i was being scammed. They had already took the XXXX $ out of my account electronically and the bank denied me a refund claiming its my fault. No one is held accountable, but under law the bank should cover the fraud and refund me as they impersonated an institution via email. I cant seem to get chase to refund me although i have read with Regulation E for electronic banking that they should be held liable. The bank sent a mass email days later to watch out for scams and fraud but it was days too late and now I feel I am the first to bring it to their attention and thats why I cant get a refund.
Product: Credit reporting or other personal consumer reports

I looked at my report from XX/XX/year> and noticed are still some things that are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate the accounts listed below XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not correct. 

XXXX XXXX XXXXXXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not correct. 

XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not correct.
Product: Credit reporting or other personal consumer reports

I disputed my XXXX XXXX credit account for incorrect info and XXXX deleted it off my report I just wanted it correct not deleted
Product: Credit card or prepaid card

i XX/XX/XXXX5 26 accounts open through fraud. Two accounts still open and in dispute. The accounts were reported to credit agencies and ftc. Personally called open accounts and filed a dispute. They refuse to offer a letter to lender to say these are not my accounts. We are in an offer to by a home. the rate is at XXXX instead of XXXX because of this fraud
Product: Credit reporting or other personal consumer reports

I am unaware of this debt from Discovery Bank XXXXXX/XX/XXXX or inquiry from XXXX XXXX XX/XX/XXXX. With Discovery Bank I did not have a opportunity to dispute this informations.I didn't receive proper notification. Please send me certified mail receipt that I received it. I never requested a card from XXXX XXXX. I have also had some identity thief in which was report see attach below.
Product: Credit reporting or other personal consumer reports

After reviewing my credit reports, I saw some inquiries that I'm not familiar with. I don't ever recall authorizing any of these inquiries to pull up my report. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had dental work done in XXXX of XXXX, when the pandemic occurred in XXXX of XXXX, my job was shut down for XXXX  months and I tried to pay as much as I could. By XXXX I was on a payment plan with XXXX  XXXX  but I got sick with XXXX and was out of work for XXXX  months, I fell behind on payments and they closed the account and referred my account to collections without my knowledge. They just got a judgement against me for this account and I have told them per- US 1692c ( c ) I can not pay the debt nor will I. Please delete off my report!
Product: Credit card

I have been paying my Dillard 's credit card online with my same bank routing number and account number I had inputted into the online pay system and saved in the online pay system since XX/XX/2014. The servicing on the credit card changed from XXXX XXXX to Wells Fargo sometime in XXXX 2014. The online pay system information was still the same and my access username and password was still the same. I did n't change any information I had inputted into the system. 

I never had issues with XXXX XXXX when they were servicing the card, but when it transferred over to Wells Fargo, Wells Fargo did not notify me that my payments were not going through and being applied properly. I kept trying to pay online and I would see the money ( payment ) as pending in my checking account, but then disappear and not be deducted after a XXXX of days. Wells Fargo was not taking the money out of my checking account even though my bank routing # and account # information was the same. 

I did not notice this until I got a letter months later saying my account was closed for being in serious delinquency and when I purchased my new car in XX/XX/XXXX, the dealer pulled up my credit score and I had no idea why it was low. It was n't until I checked and it was due to this affecting my credit rating as well. I have attached XX/XX/XXXX XX/XX/2014 's statements so that you can see how they were not applying my payments and did not notify me of this at all. I am still paying my credit card because I do not want this to continue affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
Please block these items in my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX Balance : {$100000.00} XXXX XXXX XXXX Balance XXXX {$100000.00} XXXX XXXX XXXX Balance : {$100000.00} XXXX XXXX XXXX Balance : {$100000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$100000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$100000.00}
Product: Debt collection

On XX/XX/2022 I, XXXX XXXX XXXX sent communications to BMW FINANCIAL SERVICES XXXX XXXX certified mail # XXXX, it was delivered on XX/XX/2022 at XXXX. In my communication, I requested validation of debt pursuant to FDCPA XXXX XXXX Code XXXX ( g ). BMW FINANCIAL SERVICES did not respond to my communication pursuant to the above law, instead on XX/XX/2022 they sent out a computer generated letter, subject " CREDIT REPORTING ''. In my debt validation letter to BMW FINANCIAL SERVICES I listed the what was required to validate the debt pursuant to the law, BMW response was the dispute I submitted did not contain specific details or documentation demonstrating an error. I'm not sure if there's another version of XXXX XXXX XXXX XXXX ( g ) and its requirements for creditors. I am writing this complaint to get some resolution, because there's numerous violations associated with this account.
Product: Credit reporting or other personal consumer reports

Transunion is furnishing inaccurate information for the account XXXX  XXXX XXXX XXXX on my credit report. Transunion was notified on XX/XX/2023 that they were reporting incorrect information on an unverified account. Transunion is reporting inconsistent dates for the date last active on this account which is a violation of the FCRA. This information is not credible. Also, the account XXXX XXXX is reporting inaccurately. There is a balance of {$1100.00} reporting when the balance should be {$0.00}. Furthermore, you have re-aged this account. You changed the date last active every month when there has been no activity on this account. XXXX and XXXX have deleted this account. Should you continue in your non-compliance ; the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Please see the attached dispute letter, which is dated, and time stamped.
Product: Debt collection

Sent company correspondence XX/XX/XXXX, no response, sent correspondence XX/XX/XXXX only received email not to me but another party, not proving debt is mine
Product: Credit card

American Express sent me a notice increasing my interest rate by 5 basis points stating it was due to my XXXX score of XXXX. I have an excellent payment history. 

XXXX is a very good score and there is no justification or contractual provision that allows them to arbitrarily increase my interest rate. They offered no means of appeal. 

I am seeking for this decision to be reversed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to XXXX, Experian, XXXX XXXX and other companies to conduct an investigation to verify inaccurate information on my credit report. It has come to my attention that a proper investigation was not initiated on my consumer report. I am a victim of unfair and abusive tactics to properly collect debt from different individuals, partnerships, corporations, trust, agencies or other entities. I have a right for protection as a consumer. To my knowledge I have been violated under certain laws listed below. 
According to the law 15USC1681a ( d ), ( i ) ; 15 USC 1681a ( c ) Exclusions-Paragraph ( 3 ), ( i ) Does not include consumer report containing information solely as to transactions or experiences between the consumer and person making the report. 15USC1681 ( i ) Subject to subsection ( f ) and except as provided in subsection ( g ). has been violated. I have not given any written or signed consent to furnish information to disclose on my consumer report. I have enclosed copies of my letters and certified receipts along with the credit report.
Product: Mortgage

I relocated from XXXX to XXXX for better employment. I was at my new employment for 13 months before being let go. I then had to relocate a XXXX time, living with my parents for 5 months while seeking new employment. I relocated a XXXX time after obtaining new employment. The whole time, I continued to pay the mortgage on the home from my savings, credit cards and help from parents until I exhausted all my available funds. I also had the home listed for sale for two years. 
In XX/XX/2014 I sought the assistance of a HUD counseling agency to assist me in exploring the avenue of a deed in lieu of foreclosure. We have diligently contacted the bank with no success in obtaining a clear process for it. Now they have foreclosed on the home and made me responsible for the deficiency. I am at the mercy of a bank that refuses to work with me to rectify the situation to mutual satisfaction.
Product: Checking or savings account

I applied for savings account with Barclays Online Banking account and I was approved and the accout was open the end of XX/XX/2022. Then they closed my account with no explanation. Then they finally told me that they thought I was committing fraud. I gave them all the documents that they asked for to verify my ID. However they still denied me a saving account. 

Barclays Customer Care at XXXX. 7 days a week from XXXXXXXX XXXX to XXXXXXXX XXXX  ET.