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

Dear Sir/Madam, I hope this letter finds you well. I am writing to demand the deletion SANTANDER - XXXX for {$8500.00} from my credit report in accordance with the applicable laws and regulations. The purpose of this demand is based on a recent class action lawsuit settlement and the violations of relevant consumer protection laws. 

As per the lawsuit ( United states v. Santander Consumer USA inc ), Santander Consumer USA was involved in a class action lawsuit due to alleged violations of the Telephone Consumer Protection Act ( TCPA ) and the Fair Debt Collection Practices Act ( FDCPA ). The lawsuit also accused Santander of breaching its own contracts by imposing improper fees. 

The allegations against Santander revolve around its use of " heavy-handed tactics '' in the automotive finance sector, aimed at coercing consumers into paying their loans. These tactics included incessant and harassing calls to the plaintiffs ' phones, which are explicitly prohibited by the TCPA and the FDCPA.

Moreover, Santander 's actions are reported to have violated Article 9 of the Uniform Commercial Code ( UCC ), further underscoring their wrongful conduct. These violations have had a detrimental impact on my credit report, hindering my financial standing and causing severe distress. 

I firmly believe that these violations and the subsequent lawsuit settlement warrant the immediate removal of SANTANDER - XXXX for {$8500.00} from my credit report. The negative impact of these entries on my credit history is unfair and unjust, given Santander 's proven wrongful actions. 

I hereby request that the Consumer Financial Protection Bureau promptly investigates my case and ensures the deletion of SANTANDER - XXXX for {$8500.00} from all major credit reporting agencies, including but not limited to XXXX , XXXX, and XXXX . I expect that this deletion will take place within the legally mandated timeframe to rectify the harm caused to my creditworthiness. 

Please provide me with written confirmation once my account has been removed from my credit report, along with any relevant documentation or proof of the deletion. 

Your attention to this matter is greatly appreciated. I trust that the Consumer Financial Protection Bureau will act diligently to protect consumers ' rights and ensure fair and accurate credit reporting practices. 

If you require any additional information or documents, please do not hesitate to contact me at XXXX XXXX or XXXX. I look forward to a swift resolution to this matter. 

Thank you for your prompt attention to this request. 

Sincerely, XXXX XXXX
Product: Debt collection

I had purchased a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX. AT the time of purchase I enrolled with Autopay Plus for a program that, through bi-monthly payments would pay of my debt quicker. The loan company was XXXX XXXX 
XXXX weeks ago i received a notice of an outstanding debt owed to Autopay plus dating back to XX/XX/XXXX. I was set up with Autopay for automatic withdrawal bi-monthly. My transaction history shows the following : My first payment was withdrawn by autopay for the month of XX/XX/XXXX was XX/XX/XXXX. 
My second payment was withdrawn by autopay for the month of XX/XX/XXXX was XX/XX/XXXX. 
On XX/XX/XXXX the debit was reversed. 
On XX/XX/XXXX funds were disperesed to my account for a home refinance, and payoff of `the XXXX XXXX XXXX A few weeks after I received the title for the vehicle. The check for payoff to XXXX was written out and sent to by the closing attorney. As far as I knew, once I was given the title all outstanding debts were paid off. 
I never received any notification from XXXX of a missed payment until XX/XX/XXXX. 
I spoke to the loaner XXXX XXXX no issue. After much digging on my part I had a XXXX way call with my Bank XXXX bank and Autopay. During this call it was shown and stated by XXXX XXXX that neither myself or XXXX XXXX had stopped payment. They proved this by pointing out the transaction history would look different. The only conclusion is that Autopay reversed the payment whether purposely or accidently or that there was a glitch somewhere. Had I been notified in the months after of an error, I had sufficient funds to right this. XXXX years, a year of pandemic, XXXX months out of work, a new job making half the wage I made, I am strapped. I am at a loss on how the blame is solely on me.
Product: Vehicle loan or lease

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on BMW FIN SVC ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. Below are the lists of the erroneous accounts reporting on my Credit Report : BMW FIN SVC XXXX XX/XX/XXXX {$17000.00} ; BMW FIN SVC XXXX XX/XX/XXXX {$58000.00} ;
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX Account number : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dear XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX violated 15 u.s.c.1681 ( 2 ) I report containing information solely as to transactions or experiences between the consumer and the person making the report by reporting late payment and utilization history
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Missouri XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Request for Removal of Collection Account Due to CFPB Lawsuit, Harassment, and Dispute Letter To Whom It May Concern, I am writing to request the removal of a collection account from my credit report. This request is based on the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, alleging deceptive practices in their lease-to-own agreements. 

Additionally, I have experienced repeated harassment from XXXX. The first call I received was on XX/XX/XXXXXXXX XXXX XXXX XXXX, followed by another on XX/XX/XXXXXXXX XXXX XXXX XXXX On XX/XX/XXXX, XXXX called me first and then proceeded to call my wife. During the call with my wife, they made threats to process paperwork against me. This unprofessional and intimidating behavior violates fair debt collection practices. 

I have previously sent a formal dispute letter regarding this matter. Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), I may be entitled to up to {$1000.00} in statutory damages for XXXX violations of my rights. 

Given these circumstances, I believe the collection account is inaccurate and should be removed immediately. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Can not get Log into account in order to set up payments or any other accounts from Synchrony credit services or any account serviced via Synchrony! I have talked to them was supposed to try it in a week and if not call back, which I did and called back. Was given another excuse and another week to correct?????? this issue. Strange my wife 's accounts seem to work, NONE of mine, you figure it out. Anyway I called them today and asked them to send me paper statement since it is obvious that they can not get all their parts in one basket .... I have also informed them that they are the worst and this was not the FIRST time I've had issues with them. I'M SORRY, is what I get .... had I not called them again and asked for a paper statement from here on and the payment would have been late or not made cause I was NOT ABLE to log in, they would have turned me in the the credit reporting agency as a missed payment ... .. FAIR huh????
Product: Credit card

Comenity bank started me on a hardship program, where they gave me the false information that my account would be paid off by the end of the program. It was not, but I paid it off anyways. Due to inactivity, one month later my account was closed. During the hardship program, I was unable to use my card, so because of one month with no use they closed my account! That affects my credit history! I was not given any notice, and when I spoke to customer service, they said that the credit card company could close my account at whatever time for whatever reason. He then said that he had to end the call because he couldnt help me and he had other people waiting. This was a supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion show reporting dates of XX/XX/. Their info needs to be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

World Finance is reporting an erroneous account on my XXXX  Credit Report that is a different account number from my XXXX  and XXXX  accounts. There are two different accounts listed on my XXXX  credit report from this company ; one is XXXX, and the other, correct account that matches my other two credit reports is XXXX. I've only had one account with this company. I previously disputed this account and it was removed from my XXXX and XXXX  credit reports, but it still remains on my XXXX  credit report and is damaging my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has frozen my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Regional acceptance corporation removed a negative item from my report but then added it back.
Product: Credit reporting or other personal consumer reports

They refused to update the status of the account on my credit report XXXX XXXX is reporting a debt that has not be validated i asked for it to be removed the said its in litigation but if its litigation it should not be reporting as charged off on my credit report they sent me a letter stating its in litigation and for me to contact a XXXX party company who is not on my credit report it clearly has XXXX XXXX on my report " We are unable to respond directly to your complaint. In accordance with our normal collection policies and practices, your account is currently in litigation. The suit was filed on XX/XX/year>, in the XXXX XXXX XXXX XXXX, case number XXXX XXXXXXXX XXXX XXXXXXXX XXXX. Please contact XXXX XXXX XXXX XXXX with any questions or concerns at XXXX. Their hours of operation are XXXX  through XXXX  XXXX XXXX  to XXXX XXXX XXXX '' Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), credit reporting agencies and furnishers of information are required to ensure the accuracy and completeness of the information they report. Specifically : FCRA 1681i ( a ) ( XXXX ) ( A ) : The credit reporting agency is obligated to investigate disputes and correct or delete inaccurate information promptly. 
FCRA 1681s-2 ( a ) ( XXXX ) : Furnishers of information must update credit reporting to reflect the disputed status of an account if the consumer has formally disputed it. 
FCRA 1681e ( b ) : Credit reporting agencies must ensure the maximum possible accuracy of consumer reports. 

My rights have been violated for months and months with is inaccuracy and nobdy has done nothing
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Re : Dispute Follow-Up Regarding US DEPARTMENT OF EDUCATION Account with Experian, Account # XXXX Dear Consumer Financial Protection Bureau , I hope this letter finds you well. I am writing to provide an update on the ongoing issue regarding the reporting of the US DEPARTMENT OF EDUCATION Account on my credit record by Experian. I appreciate your continued attention to this matter and wish to share additional information following my latest correspondence with Experian. 

Enclosed herewith is a copy of the most recent correspondence I received from Experian, dated XX/XX/2023. Contrary to their representation, Experian has not deleted the US DEPARTMENT OF EDUCATION Account from my credit record, and they continue to report inaccurate information despite my repeated requests for removal.

Experian 's acknowledgment of the dispute and subsequent claim of deletion are misleading and inaccurate. The US DEPARTMENT OF EDUCATION Account remains on my credit report, in direct violation of the law and my rights as a consumer.

I want to reiterate that, as per the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2, a consumer reporting agency is required to block the reporting of any information resulting from an alleged identity theft not later than 4 business days after the date of receipt. It has been well beyond this timeframe, and Experian 's failure to take corrective action is unacceptable.

I kindly request that the Consumer Financial Protection Bureau further investigate this matter and ensure Experian 's compliance with the law. I am seeking immediate and accurate deletion of the US DEPARTMENT OF EDUCATION Account from my credit record.

Thank you for your ongoing assistance in resolving this dispute. I appreciate your dedication to upholding fair and accurate credit reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX
Product: Debt collection

This company has called my house number, my work number and my cell phone on Saturday before XXXX XXXX and then called again on Sunday XXXX/XXXX/2016. I told them that I would n't discuss this matter over the phone until I receive notification in writing. They said they just purchased the account and are in process of mailing out the letter, but they want to handle this account as soon as possible, because it is time-sensitive. Then they said they would send me an email, to which my reply was " That 's fine, but I still need it in writing. '' The rep told me that snail mail is too slow and they would send it, but they really want to handle this situation as soon as possible. Also they told me that they reported this account on credit as a negative and they will remove it once I 've paid it off. I checked my credit and there is nothing there.
Product: Mortgage

This is reference case # XXXX. I did n't know how to amend the complaint with additional information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX assigned their Mortgage to Bay View Loan Servicing, LLc, and it was recorded. 
Bay View Loan Servicing LLC. assigned the Mortgage to XXXX XXXX XXXX XXXX. 

The assignment was not recorded with the register of deeds. XXXX XXXX closed our acct. as their lien was extinguished. However when a title search is conducted, Bay View shows up as a lien holder on the property. We can not get a loan or sell the property with this showing up on the title search. 
Please, how do we rectify this? The Lien is Extinguished.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over two years this lender has misreported my auto loan. On XX/XX/XXXX I emailed XXXX ; informing that the credit reporting agencies ( Experian, XXXX, XXXX ) were not displaying timely and accurate information. On XX/XX/XXXX, I emailed XXXX saying the same thing. On XXXX I visited one of their branches. I spoke with XXXX XXXX. Finally the CRAs were updated with an accurate balance of {$6400.00}. However my payment history Since XXXX has not been reported. I have followed up with multiple emails since XXXX of XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX to fix this. Ive paid this auto loan in full on XX/XX/XXXX. However, the account still shows inaccurately across the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Product: Student loan

The Student loan company mow MOHELA, I have paid in full the {$370.00} several months ago and I have a copy on my credit card of where I paid three main in balance which was the {$370.00} and it still shows that I owe that much even though I already paid off my student loans. It is affecting my credit score negatively since it shows I have a balance even though I paid it off
Product: Checking or savings account

On XX/XX/2020, I received a credit for a partially refunded transaction placed on XX/XX/2020. On XX/XX/2020, TD Bank charged me an overdraft charge of {$35.00}. Upon calling to dispute the transaction, the rep i spoke to stated the bank could not waive the fee as a 1 time courtesy, considering I am a new customer and the funds were immediately refunded prior to the fee being charged. When the transaction that overdrafted my account posted, I thought there were sufficient funds, considering the XXXX dollar refund that was credited to my account. I was unaware it would take several days to post. When asked to speak to a supervisor, the rep told me she was a supervisor and that she was taking calls due to high call volume. The rep at TD Customer Service would not escalate the call. It was disappointing to realize I was unable to escalate the call. Overall this was a frustrating customer service experience.
Product: Checking or savings account

Back in XX/XX/2021, I notified TD Bank that I had received in the mail a package from them regarding a new checking account that was opened in my name with TD Bank of which I never opened. I told them that I would report it as fraud and they said that they would close the account, conduct an investigation, and then send me a letter upon conclusion of investigation. As of today, I havent heard from TD Bank and Ive tried everything thing from calling them and sending a letter but Im not getting a response.
Product: Mortgage

I received a statement XX/XX/XXXX stating total payment due XXXX. I then received a phone call XX/XX/XXXX stating that I owed XXXX.My payment of XXXX showed on the statement. When asked why they are calling stating I still owed XXXX all I got was that 's your unpaid portion. Every time I get a new statement from Wells Fargo Mortgage it shows a different amount owed. My final mortgage payment was supposed to be on XX/XX/XXXX. I received a new statement stating that I still owed XXXX I had asked on several occasions what the additional amount was, also asking for a written detailed explanation. To date all I have received are additional interest penalties. Their statements are very misleading and they are not fourth coming when asked for detailing explanations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report as soon as possible. 

XXXX XXXX XXXX XXXXXXXX {$1500.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$500.00} UNIVERSITY OF XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Adjusters has reported a collection account on my credit report and have not provided the proper validation for this account. I am refusing to pay this alleged debt and request that they cease and desist any communication with me unless they are advising me that the account has been deleted. Any amount that is alleged I owe is hereby disputed. As a consumer, my failure to respond to this alleged debt in the required time of 30 days should not be assumed as consent that I owe this alleged debt. I demand that this account be deleted immediately as I do not owe this company.
Product: Debt collection

Experian has two car rwpos that did not follow any state notices 9-506. EFFECT OF ERRORS OR OMISSIONS. 
9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL Also these collection agencies or trying to aue mw in court one has dropped the case when I notofoed them of the notices because they know they are wrong.