23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I have received a response form Santander, they have also sent a copy of the loan contract that I am disputing about. First I want to start by saying when it comes to fraud there are no statues of limitations. So lets start with Truth In Lending since this was indeed a consumer credit transaction under 15 USC 1605 THE FINANCE CHARGE i found 2 things I wan na bring to Santander attention that they are in Violation of : 1. Examples of charges which are INCLUDED in the finance charge include any of the following types of charges which are applicable : ( c ) Property damage and liability insurance premiums included in finance charge, Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge. SANTANDER did not include any insurance in the contract they labeled that section N/A.

2. The finance charge does not include charges of a type payable in a comparable CASH transaction. Since this was a Finance charge there shouldn't be any cash transactions, I had to put down {$1500.00} cash to acquire the vehicle.

Due to the response that I have received from Santander, I am requesting a DEBT VALIDATION. This is a notice following the Fair Debt Collection Practices Act, 15 USC 1692g stating your response and claim is being disputed and validation is requested. This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made following the above named Title and section. I respectfully request your offices to provide me with efficient evidence that I have any legal obligation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following fraudulent information that appears on my credit report. I previously disputed this account with the credit bureaus stating these accounts are fraudulent. 

XXXX Credit Card with account XXXX XXXX opened on XX/XX/XXXX XXXX  XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$20000.00}. 

XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$4500.00}. 

I am a victim of identity theft and I never opened these accounts Please see the included FTC Identity Theft Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've sent XXXX debt discharge letters for them to remove closed accounts from my credit report under the G.a.a.p. Including medical bills.
Product: Mortgage

My property taxes and insurance are both held in escrow by my mortgage company. On XX/XX/XXXX, I got a notice in the mail that my property taxes had not been paid. I promptly called the mortgage servicing company and was told that it would be best handled by sending them the notice via the website portal. I did this and got a " acknowledgment of receipt. '' On XX/XX/XXXX, I got another notice that the taxes still had not been paid and that our property was turned over to the tax collector. I called the company and was again told that I should send the notice via the portal. I told them that I had done that already on XX/XX/XXXX and would do it again, but that I needed another level of help since nothing happened the first time. They gave me a " special email address '' to send the information to. I emailed them the notice and feedback with all of the detail above and again re-attached the notice. I again just received an " acknowledgement of receipt. '' Still nothing has been done about the taxes. Now, our sump pump has backed up and we need to file an insurance claim. Our insurance payment is also escrowed. I went to file the claim and our insurance has been cancelled for non-payment!!!!!!! So they also have not paid our insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : DEPT OF DEFENSE Account Number : XXXX It's showing an inaccurate payment history. I'm not seeing that account reflect on the other bureaus and the account is only reporting for the month of XXXX. 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : Inquiry : Company Name, Date of Inquiry My identity has been stolen you are hereby put on notice.

Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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 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 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 XXXX
Product: Credit card or prepaid card

I received an email from XXXX XXXX XXXX that Capital One did a hard credit check on me, I Have never used Capital one credit cards or auto loans. 
Here is what the email said : New Credit Inquiry It looks like someone viewed your credit report. 
To see details visit https : XXXX What this means An inquiry is a record created when someone checks your credit information. This usually happens when you apply for a new line of credit. 
Credit information provided by XXXX. If you have questions, please visit our Help & support page at XXXX XXXX XXXX for more information. 

Entry on XXXX XXXX XXXX : NEW ACTIVITY Financial services XX/XX/2021 New Inquiry CAPTIAL ONE An inquiry is a record of someone checking your credit information. This usually happens when you apply for a new line of credit. 
How it impacts your score Inquiries can cause your credit score to dip a little, but it usually recovers over time. 
Still have questions? 
If you think this might be a mistake on your report, you can file a dispute. 
Go to Help & support to get answers to frequently asked questions about credit alerts. 
Learn more about credit Visit our Credit Insider section for helpful credit-related resources and info.
Product: Mortgage

I refinance my home on XX/XX/20, this was the closing date. I identified a problem the week before with the tax information they were using to calculate my Closing Disclosure. They had the wrong property they were getting the tax information on. I even sent them the correct tax ticket. The loan closed, I was charged {$250.00} to pay a tax bill of {$34.00}. I have been trying to get Lakeview Loan Servicing to fix this. The closing agent they used has paid the tax bill and they are waiting for Lakeview to tell them what to do with the money. I'm a XXXX veteran, so I am exempt from paying taxed on residence and 1 acre of land. My tax bill for this property is for the additional 14 acres I own with it. This should of been fixed before closing, but that bridge has been crossed. I do not understand why it takes them over two weeks to correct this issue. I have sent them several request and I have called several times. They never formally responded to my first written request on line and they refused to put in touch with the escrow department. Lakeview Loan Servicing, PO box XXXX, Virginia XXXX VAXXXX. These folks are spread out, so this may not be the actual office that would handle this. Their number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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


Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name XXXX XXXX XXXX Account number:XXXX 15 U.S.C 1681 Section 602 A4. 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 7 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.

15 U.S.C 1681 b- permissible purpose.

15 U.S.C 1681 E- compliance procedure.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX : {$99.00}
Product: Debt collection

I pulled my credit back in 2008 and saw a new credit card account on my credit file and immendity call the bank ( Chase ) and told them it was n't mine nor i did n't apply for this card. The bank said they would stop the account and send a message to the three credit bureaus to have the account removed. Never happened!!! I have filed several police reports and filed report with the FTC and CFPB and now i have filed a law suit against the bank locate in XXXX County NC. This account was fraud and they know it. Please remove it now and if not ill proceed with the lawsuit in District County in NC.
Product: Money transfer, virtual currency, or money service

Cash app XX/XX/XXXX XXXX at a XXXX  XX/XX/XXXX XXXX XXXX  phone bill XX/XX/XXXX XXXX in florida for food. Contact customer service. Automated machine said they would get back to me. Never heard nothing back from cash app.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX XXXX XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data.

Dennis v. BEH-1, LLC ( 2002 ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

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

Dear To Whom It May Concern, I am writing to formally dispute the validity of the debt referenced in your correspondence. I request that you provide proof and validation of this debt as required under the Fair Debt Collection Practices Act. 

Account name : XXXX Account number : XXXX  Please provide the following information : The amount of the debt.

The name of the original creditor.

Documentation that proves I am legally obligated to pay this debt.

Any other relevant information pertaining to this account.

Until I receive the requested documentation, I consider this debt disputed and request that you cease all collection activities.

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my EQUIFAX Consumer report, and I noticed some late payments posted on my consumer report. 
XXXX XXXX XXXXXXXX Account # XXXX for the months of XXXX XXXX XXXX # XXXX for the months of XXXX XXXX XXXX # XXXX for the months of XXXX your consumer reporting agency is illegally reporting late payments on my consumer report which is a clear violation of the Law.

15 U.S. Code 1681a ( 2 ) ( a ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report your agency is also in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave you permission to are written instructions to furnish. Late payments are anything on my consumer report.
Product: Vehicle loan or lease

We just received a new loan from Westlake Financial Services. When we applied for the loan we asked when the due date would be. No one was ever willing to give us one. Today we received our paperwork and without a known due date we attempted to make our first payment. 

We owe $ XXXX/mo but we wanted to pay {$1000.00}. We attempted the transaction and apparently it went through. But we had no proof of payment. No confirmation receipt. Our portal shows no payment or payment history. 

We called asking for a receipt or confirmation of payment but was refused a receipt or confirmation of receipt. We spoke with a supervisor. Still no proof of payment or confirmation receipt. We received an email with our payment history not showing any proof of payment. 

We do not know when our payments are due and we have no proof of payment for a loan that we have paid almost 4 times the amount due. We are appalled as to why we can not receive a ongoing due date or confirmation of payment receipt. 

How do we know we are not being scammed? We just trying to be responsible in paying our debt better than we agreed to pay it. Why are we refused any confirmation of payment received? How is this legal and ethical? How can they take our hard-earned money and refuse to confirm its receipt?
Product: Student loan

I graduated in XXXX, and since then I have not been able to repay my loan. I have not made enough money in retail to do so. My degree did absolutely nothing for me in the working environment. I have been forced to go into forebearance so many times I lost count. When I am approved for forebearance, Navient reports to the credit bureau that I am late or past due on my student loans, effecting my score and reputation. My total student loan balance has increased to over XXXX because of the forebearances, which is even more terrifying.
Product: Debt collection

American Credit Acceptance does not possess a supervised lender license in Kansas to exercise nor enforce rights within my supervised loan contract pursuant to 16a-2-301 ( 1 ) ( c ). American Credit Acceptance is violating the rights of consumers in Kansas and collecting payments from said consumers unlawfully.
Product: Debt collection

University XXXX XXXX has removed this debt from my credit before as a result of it being supposed to be paid for by XXXX XXXX XXXX XXXX. This was several years ago. Now Debt Recovery Solutions is reporting it and has not sent me ANY notification of the debt collection and has reported it to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several rental properties. 2 with chase mortgage both are conventional loans I also have one conventional loan also with Shellpoint mortgage. XXXX was very streamlined, and pretty accurate on handling everything including the credit reporting. However, Shellpoint did not report the same as chase mortgage on credit reporting. I started all 3 at the same time ; the same processes, same payments, same modification and was not in default or late on any of my mortgages when I started the forbearance process. I completed the modification program and even paid an extra payment that I was not made aware of when going into the modification process. This was probably missed by a lot of other consumers as well because it was not in the primary page disclosing the payment program. It was on a page prior to it that I almost missed because I didnt see it or know to look for it. I was recently denied a loan for two reasons- DTI was too high and my mortgage reporting from Shellpoint was not reflecting as XXXX reported my 2 mortgages. Shellpoint said they had to report as it was delinquent during the processing of my modification. Which I believe is incorrect according to the Covid regulations. They also did nothing to help with the rate or terms of my mortgage as XXXX did. I didnt even ask them if they were offering but when I asked Shellpoint they said they dont offer rate and term adjustments.
Product: Debt collection

I was reached out by XXXX XXXX XXXX XXXX XXXX for some amounted owed to Wayfair.. I have never order such products, some has misused my name and Mayfair account and ordered the products. 

I have called XXXX XXXX XXXX XXXX XXXX and asked for additional information which they never provided, and reported them that some one missed my identity, they have asked me to visit police station..which I have never done in my life I am in serious trouble as they have showed up on my credit collections, I have never given my social to either Wayfair or XXXX XXXX XXXX at any point of time and I am not sure how these collections showed up on my credit, which I do not owe at all Please help me in getting this resolved and get the collections removed from my credit as a mistake
Product: Credit reporting or other personal consumer reports

The accounts listed below are all listed improperly and it is law to report accurately on consumer reports. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX