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

Last year XXXX I checked my credit report and realized that there was an inquiry from a XXXXXXXX XXXX so I contacted XXXX and they told me to contact the XXXX XXXX which I did but the bank had no information of mine in their system but I am still seeing them on my credit report now of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$1500.00} XXXX XXXX {$170.00} XXXX XXXX  XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX   XXXX  XXXX {$360.00} COLLECTIONS XXXX {$1000.00}
Product: Vehicle loan or lease

On XX/XX/21 my son & I went to a dealership to purchase a new car. We were told I would need to co-sign on the car. Later when loan documents began to be mailed to us we discovered that the loan was actually written with me as the primary buyer and my son as the secondary buyer. Very dishonest and disheartening sales practice
Product: Credit reporting or other personal consumer reports

Credit Dispute Letter to Santander XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX Santander Consumer USA Credit Bureau Disputes XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Account Dispute XXXX Dear Santander Consumer USA, q This letter is to formally dispute the credit reporting activity on my account # XXXX I am writing to inform you that my account was included in a recent class-action lawsuit settlement regarding Santander 's lending practices in New Jersey . As part of the settlement agreement, Santander is obligated to delete all references to this account from all consumer reporting agencies.

Legal Basis for Dispute Class Action Lawsuit Settlement : Please be advised that this account is subject to a class action lawsuit settlement that requires Santander to delete this account from all credit reports.

Fair Debt Collection Practices Act ( FDCPA ) : o 15 U.S.C. 1681e ( b ) Compliance : I request a copy of the 1099-C form reflecting the charge-off of this account, as required by the FDCPA.

o 15 U.S.C. 1682g ( b ) Validation of Debt : Since this account is included in the class action settlement, I request validation of this debt according to the FDCPA. Please provide detailed information regarding the debt, including the creditor, original amount, and charge-off date.

New Jersey Statute of Limitations : Furthermore, I believe that any attempt to collect on this debt falls outside the New Jersey statute of limitations for debt collection. Please confirm that you will cease all collection efforts on this account.

Request for Action I request that Santander immediately take the following actions : Confirm deletion of this account from all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). 
Provide a copy of the 1099-C form reflecting the charge-off of this account.

Validate the debt according to the FDCPA.

Cease all collection efforts on this account.

I have attached a copy of the class action lawsuit settlement agreement for your reference.

I look forward to your prompt resolution of this matter. Please contact my Attorney XXXX XXXX at XXXX XXXX XXXX, to discuss this further. 

Sincerely, XXXX XXXX Important Note : Here is the settlement agreement. I am apart of this settlement. Please contact 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  You should call Santander to inquire whether your defaulted loan ( was in default as of XX/XX/XXXX, car repossessed and sold but a balance remains on the loan ) qualifies for a deficiency balance waiver.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Despite raising the issue of inaccuracies multiple times and consistently requesting thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life.

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay.

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated.

Thank you in advance for your understanding and assistance.
Product: Credit card

I am a military personnel on active duty and I have requested the SCRA with a credit card company but was told that the request was submitted back in 2010 but I do not see where it is reflected on my account. I have contacted the company several times and got nowhere.
Product: Payday loan, title loan, or personal loan

My name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX. 
Lender.lending club Amount of loan : {$4000.00}. 
Date of loan : XX/XX/2019. 
Total amount paid : {$4800.00}. 
Final payment XXXX. 
I called lending club XXXX XXXX And told them that was my final payment. And they told me thst i still owe over {$1000.00}. 
Please help me.
Product: Credit reporting or other personal consumer reports

The problem began when I noticed that the same student loan is being reported more than once on my credit report. I have contacted my loan servicer multiple times, but the issue has not been resolved. Despite my efforts to clarify the situation with them, they have not corrected the erroneous entries, and as a result, my credit score has been impacted.

I believe that the duplication of these loans is a mistake, and I am seeking assistance from the CFPB to investigate and resolve the issue. Specifically, I would like : 1. The duplicate loan entries to be corrected or removed from my credit report. 
2. My credit score to be adjusted accordingly to reflect the accurate loan information.

3. Confirmation that my student loan servicer will take the necessary steps to prevent such errors from occurring in the future.
Product: Student loan

I have been on an Income Driven Repayment ( IDR ) plan for the entirety of my time in repayment with XXXX. This year, I submitted my IDR recertification request on XX/XX/XXXX. The prior years IDR recertification, I submitted my request on XX/XX/XXXX, which was approved and implemented without issue. On XX/XX/XXXX, I received a denial letter from XXXX stating, it is not yet time to recalculate your payment. We will notify you when it is time to submit your annual recertification documentation. '' I relied upon this representation from XXXX. I got no other letters from XXXX about submitting my recertification documentation. The next letter I received arrived in my online inbox on XX/XX/XXXX, and indicated that XXXX had not received my complete annual documentation, resulting in my increased payment and capitalized interest. My application was submitted prior to the deadline and I received no information regarding a penalty for applying too early. Additionally, I received incorrect and misleading information from XXXX regarding the time to re-submit my application. I relied on this information and, as a result, was incorrectly removed from my IDR plan, had my payments increased, and had my interest capitalized. Finally, XXXX had a valid and complete application on file at all times relevant to this issue that could have, and should have, been processed. XXXX 's customer service has been unhelpful and has given me contradictory information every time I call. I have submitted a full appeal letter trying to resolve this problem, and have still not heard back from them. Meanwhile, my account is past due and they keep pushing me to go into forbearance rather than just fixing their error so that I can make my normal IDR payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX : {$3300.00} XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$26000.00}
Product: Debt collection

This is my second dispute on this {$200.00} disconnected fee I moved to COVID beginning and my life was XXXX XXXX were called I paid my deposit upfront {$100.00} to XXXX then {$55.00} a month but I got robbed and threatened I told XXXX  that Im moving cuz Im forced and COVID I was told to prints out shipping label and I returned it to XXXX that day and they got it all. Then they put a disconnect fee which I was told no customer service i moved police called and Covid they lied to me I won my disputed complaint then they were changing the company name I dont know how they got my ill fathers cell and sisters looking for me then I heard from them and was threatened to pay for a non bill service was disconnected before I moved and now from the old collection its been. Taking off using as I just dud this its against the to call me family and harass but keep putting the {$200.00} fee after making it a 2021 new account and putting it on my credit report 3-6 a week they need punishment and Ive lost jobs and help with loans fton my dad especially Im on XXXX XXXX XXXX then. And now it needs to stop I have XXXX and then private messages threatened me I feel unsafe somehow to XXXX I need to receive damages in mentally and harassed by phone calls
Product: Credit card

XXXX XXXX credit card was not made by me. Theres an outstanding balance there under my name which im not responsible for
Product: Credit card

I applied for credit with Affirm. I purchased clothes through XXXX XXXX. I returned one item. I called several times because they werent crediting it to my outstanding loan balance. They told me they didnt see the credit and that I needed to file a dispute. I did that on XX/XX/year>. I received notification today that the issue has been resolvedresolved and that they are correct. They provided no details. I have continued to pay on my balance for the loan but they seem to just be blowing me off. I have my receipt and the balance mail from XXXX XXXX showing the bank routing number. This is not ok.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am submitting this formal complaint against XXXX XXXX XXXX for inaccurately reporting my payment history to the XXXX major credit reporting agencies, which has caused significant emotional and financial distress. 

I have been a member of XXXX XXXX XXXX and have consistently made all required payments on time. However, XXXX has inaccurately reported a late payment for the month of November ( or specify the month ), despite my having made the payment on time. This reporting error is completely false and does not reflect my actual payment history. 

I strongly suspect that this issue may be linked to a ransomware attack XXXX XXXX XXXX suffered, which caused a system outage that disrupted their operations, including payment processing and reporting systems. I believe that the inaccuracies in my payment history were a direct result of this system failure, and I have reason to believe that this issue affected other members as well. 

The incorrect reporting of this late payment has significantly damaged my credit score, and as a direct result, I have been unable to refinance my home, missing out on more favorable loan terms and interest rates. This has created substantial financial strain. Additionally, this error has caused emotional distress due to the time and energy Ive spent disputing this issue, while knowing the problem originated from a systemic failure at XXXX. 

Background on the Ransomware Attack and System Outage : XXXX XXXX XXXX publicly acknowledged being the victim of a ransomware attack, which led to a complete system outage for an extended period. During this time, many of their services, including payment processing and reporting, were offline, potentially causing errors in the way they managed customer accounts. It is my belief that my payment was not properly processed or reported due to this outage, leading to the inaccurate reporting on my credit file. 

While I understand the challenges posed by cyberattacks, the ongoing impact on my financial health, particularly the harm to my credit score, is unacceptable. The disruption in XXXX systems has directly contributed to my inability to refinance my home, and I am concerned this error has widespread ramifications for other customers.
Product: Credit reporting or other personal consumer reports

Delete XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # 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 ( XXXX XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting or other personal consumer reports

On XXXX XXXX Transunion performed an inquiry ( transunion consumer inactive ) I am unaware of what this inquire is about and why is it performed. Due to this inquiry my XXXX XXXX XXXX XXXX  was affected. My credit line was decrease significantly due to inaccurate information given to them by transunion. I did not give permission to transunion to pull my credit report nor to supply my information to them. XXXX has stated that transunion has supplied information stating that I have accounts that are delinquent. As of today I am unaware of any delinquent or negative accounts.This action has caused my husband and I emotional distress.
Product: Credit reporting

My issue is about the XXXX point reduction in my credit score in less than 60 days with no logical or tangible explanation about how my score can drop by XXXX points when there have been no significant changes to my record. There is no suitable option in the CFPB drop down listing of options for making this type of complaint and the matter of credit score which is so central to the access to jobs, insurance, housing, etc. by a consumer 's is not very transparent. On XXXX XXXX, 2015, my credit score with Equifax was XXXX and as of today, it is XXXX and XXXX points lower. There have been no new accounts added to my portfolio of accounts and in fact, I have paid off a couple of accounts ; XXXX delinquencies have dropped off and any other delinquency ( except for a new one with XXXX XXXX which is being disputed ) was only account in XXXX. Equifax needs to explain specifically what has changed in 60 days to result in a XXXX point drop and I have had no additional inquiries. What I have observed over the years, is that during the period when I am paying {$19.00} to any of the credit reporting agencies, my score goes up and soon after I discontinue the monitoring service, there is a reduction in my score. This almost gives the perception that consumers are somewhat arbitrarily being penalized when they discontinue the service especially since I have never been able to get an explanation about the reduction in my score. The credit scoring process is like a blackhole and the high level explanation about the percentage composition of deriving the score is simply not good enough. In my case, given the very short duration, Equifax should be able to provide me with the specific changes that amounted to a XXXX point reduction in my score since XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2006, we purchased a home and the took out a second mortgage which was eventually sold to XXXX. We had our payment set up on automatic debits and the company either sold the loan or sold their company. 

We never paid this loan late. We have tried to contact the company many times with no success. 

We are asking them to remove our late pays from all three bureaus.
Product: Credit card or prepaid card

XXXX XXXX / XXXX / {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Debt collection

Company never notified me of debt nor have they sent any verification or validation of debt It just appeared on my XXXX  report
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the creditor and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 30 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.
Product: Debt collection

Account is listed on credit report as charged off company is still trying to collect debt and made me pay by saying credit card will be reinstated i never received 1099c form for account and I made a payment on XX/XX/year> and final payment is requested for XX/XX/year>
Product: Mortgage

Having problems with WellsFargo with trying to get a forbearance or VASP refinance for a lower interest rate, this problem dates back to XX/XX/XXXX and has not been resolved yet. Had a forbearance in the past, but tried to apply for a VASP refinance in XX/XX/XXXX and I was not aware that my home could not be for sale while applying for a VASP refinance and at the time I was under contract for XXXX to sale my home. Also WellsFargo has been harassing me by placing Letters on my home door while my realtor was viewing my home on XX/XX/XXXX and also calling my realtor at XXXX without my consent asking questions about if I'm still occupying my home, also I feel its none of WellsFaro business what I do with my realtor, if they want to know anything they could have call me not my realtor at XXXX, I have been occupying my home ever since XX/XX/XXXX and I know WellsFargo knows this, because I've been getting mail from WellsFargo at my home address since XX/XX/XXXX to present.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting XXXX XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Wells Fargo regarding a credit card account opened under my name back in 2015, an account used by my mother whom did not pay off the outstanding balance resulting in a charge off. I contacted Wells Fargo to settle for the asking amount and prompted them to update and contact the credit bureaus to remove the derogatory account off my credit report. However, they did not. I initiated a dispute through XXXX  yet the issue persists. Now my credit report dropped from XXXX to XXXX on XXXX credit reporting.
Product: Mortgage

In XXXX of XXXX, I received a Supplemental Property Tax Bill for fiscal year XX/XX/XXXX to XX/XX/XXXX in the amount of {$1800.00}. My first installment of {$910.00} due XX/XX/XXXX and second installment due XX/XX/XXXX. 
I did not have the money to pay the total, but did manage to pay the first installment on XXXX XXXX. Meanwhile, Freedom Mortgage paid the full {$1800.00}. The XXXX XXXX cashed both our checks, and on XX/XX/XXXX returned the overage of {$910.00} to Freedom Mortgage. 
In XX/XX/XXXX, I received a statement from Freedom Mortgage stating that, to pay off the {$910.00} which FM wound up paying, my new payment would be {$1500.00}. ( I WAS paying {$1500.00}. ) I have been paying {$1500.00} since XX/XX/XXXX. It should be paid off by this XX/XX/XXXX, and my payment should go back down to {$1500.00}, I would have assumed. 
However, today I receive a new statement from FM saying my escrow has gone up forcing a new monthly payment {$1900.00} ( from {$1500.00} ), an increase of {$370.00}. 
There was no increase in taxes, insurance, or interest. It is apparently a mismanagement of the escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested and received copies of my credit report from Transunion, XXXX  and XXXX. I identified multiple violations on all 3 credit reports. All three CRA 's mentioned above report that my DPT ED/XXXX accounts are 90 days late when there is not a prior 30 or 60 days late. On XX/XX/2020 I mailed all 3 CRA 's letters explaining the violations, and requested removal of all the DPT ED/XXXX accounts that showed 90 days late without being late 30 or 60 days prior. After 45 business days I again contacted all 3 CRA 's mentioned above, and demanded removal of all DPT ED/XXXX accounts that report 90 days late when there are no 30 or 60 days late prior, because Transunion, XXXX  and XXXX  did not respond to my disputes in a lawful time frame. I have attached copies of the actual disputes that I sent to Transunion, XXXX  and XXXX. Attachments include account names, account numbers and violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft as previously stated before