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

According to the CFPB In XX/XX/XXXX, the bureau ( Consumer Financial Protection Bureau ) found that between XX/XX/XXXX and XX/XX/XXXX Santander violated the Fair Credit Reporting Act ( FCRA ) and Regulation V by furnishing consumer loan information to CRAs that it knew or reasonably should have known was inaccurate ; failing to promptly update and correct information it furnished that it later determined was incomplete ; failing to provide the date of first delinquency on certain delinquent or charged-off accounts ; and failing to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of information provided to CRAs. 

I have disputed the information on my consumer report with XXXX, XXXX, and XXXX on multiple occasions : XX/XX/XXXX, XXXX XXXXDuring those disputes, I pointed out inaccurate information along with the variation of reporting across the CRAs. The information has continuously been verified or falsely updated by Santander. 

My most recently dispute in XX/XX/XXXX was accompanied with physical proof that was provided by XXXX XXXX ( who brought the account after being charged off ) along with highlighting of FCRA ( Duty of Furnishers ) violations being committed but still the information was updated.
Product: Debt collection

On XX/XX/year> I received a copy of my consumer report and noticed an item that is reporting inaccurately. Credence resource MA is listed on my report I have never entered into a consumer credit transaction with this company. According to 15 USC 1693G you are required to provide evidence proving that I am responsible for this alleged debt.
Product: Checking or savings account

On XXXX XXXX XXXX reached out for a payment on account we arranged to have {$160.00} to be debited. XXXX XXXX then took {$2200.00} on XXXX and I was sent a receipt showing what was authorized. Also during the conversation I advised them that the {$160.00} was a one-time payment and to not store my banking information. I contacted XXXX XXXX to have funds refunded and contact bank to dispute. Per banking representative I was not able to dispute transaction until it posted. After transaction {$2200.00} was posted I file a dispute with bank and I have not received a resolution yet. XXXX XXXX then as of XXXX debited {$160.00}. I contacted XXXX XXXX and XXXX XXXX XXXX. Both companies pointed blame at each other. XXXX XXXX has caused hardships because of their actions for both my wife and I.
Product: Credit reporting or other personal consumer reports

Recently I reviewed my credit report and noticed several inaccuracies on my account. These account is hurting my ability to obtain credit. THESE ACCOUNTS WAS OPEN WITHOUT MY KNOWLEDGE AFTER I HAVE LOST MY PURSE WITH MY WALLET IN THERE. I HAVE BEEN DEALING WITH THIS ISSUE TO LONG AND NOW IM AM STARTING THE PROCESS OF CIVIL LITAGATION FOR THESE INACURATE ACCOUNTS BEING REPORTING. 

THESE ARE THE ACCOUNTS 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 15 USC 1681 and 1692 LAW which requires validation of DEBT.under XXXX XXXX XXXX permissible purpose this illegal. I'm demanding for them to stop harassing me and causing me to have mental breakdowns that's effecting my life immediately. 

This debt has been Charged-Off by the Original creditor, which means, that the debt has been paid and is considered income. Since a Charge-Off is considered Income, it has to be removed. Income can not be reported on credit files
Product: Credit card or prepaid card

I disputed this account online through the credit bureaus to have it removed. Account shows as closed but this account shows delinquent payment for XX/XX/2012. Account should be removed from credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 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 Account number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud and these are not my accounts I am requesting that these accounts be blocked and removed per FCRA 605 B XXXX XXXX / XXXX XXXX XXXX XXXX {$120.00} XXXX/XXXX  xxxxxxxxxxxx XXXX {$3700.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$42.00} XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # # # # # # # 2018 {$220.00} XXXX XXXX  XXXX xxxxxx XXXX {$10000.00} XXXX XXXX XXXX {$2700.00} XXXX  XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX IS NOT MY NAME OR ME XXXX : ( XXXX ) XXXX XXXX  : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX XXXX  : ( XXXX ) XXXX NOT MY NUMBERS
Product: Credit reporting, credit repair services, or other personal consumer reports

Deparment of education/XXXX is reporting a 90 days late payment in XX/XX/XXXX for 20 different federal student loan accounts with XXXX  & XXXX & 22 accounts with equifax, but the accounts were never late because they were all in forbearance from XX/XX/XXXX until XX/XX/XXXX then paid in full through consolidation XX/XX/XXXX. I sent proof of the loans ' status history from the department of education to XXXX and all 3 credit bureaus & requested that the late payments be removed, but they have not been removed. These late payments are causing a huge impact to my credit score as there are so many accounts that the late entry is multiplied by. I need this corrected asap. I have attached the documentation showing the loan 's status history where it was never late as well as my statement from XXXX from XX/XX/XXXX showing no late balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX 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 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 reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Product: Mortgage

We applied for a mortgage from CCO Mortgage XXXX to help my sister purchase a house. The amount approved was not enough so CCO Mortgage did a second mortgage from Charter Bank. We did not know that the XXXX were the same mortgage company. My sister could not afford to pay the mortgages because the interest rates were so high. We had to apply for a modification. After a lot of complications, CCO approved the modification although they charged a lot of interest and did not do anything about the second mortgage to Charter Bank. So, my first complaint is about CCO Mortgage. While this modification application was pending, Charter Bank sent a notice that its second mortgage was in default. They said nothing about a chargeoff. Later, Charter One send us a letter giving us two choices, one to pay 70 % of the balance and they would chargeoff the 30 % and the other to pay {$200.00} per month with no threat of a chargeoff, only that the {$200.00} would continue until payment in full. A copy of is letter is provided. Then, XX/XX/XXXX. I applied for a refinance of my home and was rejected because the credit report showed a chargeoff of the loan from Charter Bank. Charter Bank, now saying they are Citizens Bank, state that they charged off the loan XX/XX/XXXX The bank reported a chargeoff to the credit bureau but did not in fact chargeoff the loan but continued to keep it active charging interest so that the {$200.00} per month was applied solely to interest. A copy of a statement showing the interest charged is enclosed. It is my opinion that CCO Mortgage knew that my sister could not afford the mortgage but financed it anyway and then they created a second mortgage, which was really with the same company, to illegally put more money in their pocket and intentionally create a situation which we could not afford. They should have turned the purchase money mortgage down. Then Citizens Bank, acting as Charter Bank, reported the loan as a chargeoff without notifying us, and without actually charging off the account. The letter, copy enclosed, led us to believe that there would be no chargeoff if we paid the {$200.00} per month, which we paid faithfully. We have contacted Citizens Bank and requested that they reverse the chargeoff. They refuse to do this.
Product: Credit reporting

I have 2 Hard Inquiries on Trans Union that I did n't Authorized or Asked for. One is from XXXX XXXX 2015 XXXX PR XXXX ( XXXX ) XXXXAnd the second one is from XXXX XXXX, 2015 from XXXX, PR XXXX ( XXXX ) XXXX
Product: Credit card

Consumer Financial Protection Bureau, My complaints about JCPENNY & Synchorny was not resolved by your office. I needed to receive confirmation I have the correct address, phone, and professional to contact to make sure I do not communicate to them on a scam caller ID, incorrect addresses. I did not receive any response about scam on the caller ID. 

I received a letter from JC Penneys credit card that shows a payment was reverse today that shows XX/XX/year>. I never attempted to pay Synchorny & JC Penneys because The state of Indiana Consumer Complaint Office referred me to the Consumer Financial Protection Bureau and it was not clear if the contact information was fraud, scams. 

Will you please send me confirmation of how to make sure I am not contacting fraud or a scam when I contact? 

Will you ask them to send me confirmation through the Consumer Financial Protection Bureau in writing if it is alright to walk in to pay the bill at the local JCPENNYs after my complaints history? 

The letter shows the account number ending is XXXX. My receipt shows the account number is XXXX I could pay the balance after I receive confirmation. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I was refused a job because of in accurate information put in a background check that was ran on me. It states that i was convicted of a felony when i was not convicted of a felony it was dropped to a misdemeanor. I want this fixed or removed from my background checks immediately and a letter written to the place i am wanting to be hired at stating that a mistake was made and issue resolved. Pleaser and thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished XXXX XXXX regrading all personal information of mine. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

PER FTC SECTION 609 & HIPP my right are be vitiated I ask the credit agency to verify these accounts are remove them from my credit report. I am a victim of identity theft also and the credit agency 's continue to validate my accounts as a normal dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Keybridge, a debt collector, with an address of : XXXX XXXX XXXX, XXXX, OHXXXX, ( XXXX ) XXXX has collected on three medical debts owed by me from XXXX XXXX in XXXX, Ohio. These debts were collected in XXXX XXXX Ohio Municipal Court successfully through a judgment and subsequent garnishment of my wages yet Keybridge refuses to update my credit report with accurate information that these three debts have been paid and satisfied.
Product: Credit reporting or other personal consumer reports

There are inaccuracies on my credit report involving 15 USC 16c-2. The inquiries mentioned were not authorized and are harming my credit score. I request the removal of all unauthorized hard inquiries. Thank you.
Product: Debt collection

I gave birth to my son in XX/XX/XXXX. I had XXXX XXXX XXXX XXXX insurance through my employer, managed by care coordinators at XXXX XXXX. I received a final bill for services rendered after prior payments had been made. The final bill amount was {$1900.00}. The final bill was from XXXX XXXX XXXX XXXX XXXX. I called the billing department at the hospital and was set up on a payment plan through XXXX. I made payments on time and finished paying off the debt on XX/XX/XXXX. After that, I received another statement from XXXX dated XX/XX/XXXX in which is reflects a XXXX account balance and my bill had been paid in full. In XX/XX/XXXX, I received a new bill for {$820.00} with no explanation of charges. I called the care coordinators on the back of my insurance card ( XXXX XXXX ) to inquire what the amount was. They told me it must have been processed incorrectly and they would have to sort through the payments/deductions to see which bill was reprocessed. I called back several times and was told this was a mistake. I asked them to contact XXXX XXXX to verify the amount as the insurance ( XXXX XXXX ) was in disagreement with XXXX XXXX re : payments made vs. payments owned and the exact amount. Due to the bill being disputed by my health insurance, and not having any explanation as to where this amount came from, I was advised by XXXX XXXX care coordinators to wait until everything had been reprocessed to pay the final amount seeing how I had already received a bill with a XXXX account balance. This was escalated to management at XXXX XXXX. Care coordinators at XXXX XXXX report they never received a reply from XXXX XXXX and were told the account had been sent to collections. They were told the collections company was Receivables Management Corporation XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX I then called the collections company to ask what the bill was for/from and could I please be sent a bill from XXXX. They were extremely rude and told me the amount was from an unpaid bill and I could choose to pay it or not, but it had already affected my credit score.
Product: Credit reporting or other personal consumer reports

I JUST CHECKED MY CREDIT REPORT AND FOUND THIS FRAUD COLLECTION FROM XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX MANAGEMENT.

DELE THIS FRAUD COLLECTION ACCOUNT NUMBER PRSOGSXXXXXXXXX WITH A {$690.00} I NEVER BEEN KNOWN THIS COMPANIES OR NEVER DONE BUSINESS WITH THEM.

I AM A VICTIM OF IDENTITY THEFT AND SOME PEOPLE STILL TRY TO STEAL MY INFORMATION.

DELETE THIS FRAUD COLLECTION FROM MY CREDIT REPORT BY LAW.
Product: Debt collection

XX/XX/2020 Santander sold my account to XXXX XXXX. 

During this time Santander knew they were dealing with a multi-state Class Action Lawsuit for predatory lending. Furthering the actions that caused for them to be sued, in order to not have to pay out as much, it seems they sold my account to XXXX XXXX. The amount of the debt is {$10000.00} for a car that I no longer have, and have more than paid for in total payments within the initial contract. In lieu of clearing the deficiency, they sold the debt to a debt collector and paid restitution from the amount they received. Its very shady
Product: Credit card

I was overcharged an insurance premium ACH on my Nordstrom XXXX Card. I 've had my card for 12 years and never disputed a transaction before now. Customer service told me to download and print ( print! ) their dispute form, fill it out by hand and fax it ( FAX???? ) to them. They will review it within 30 days. I 'm disputing over {$2000.00} and this is how responsive they are.
Product: Credit card or prepaid card

I have a XXXX XXXX XXXX card from XXXX XXXX. They are ilegally calling me several times a day from a unlisted number. I work in finance and you are not supposed to call from a blocked number.
Product: Debt collection

CONSUMER PORTFOLIO SVS XXXX .... The basis for my dispute was required to notify me prior to XXXX, or no later than 30 days after CONSUMER PORTFOLIO SVSfailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XXXX, furnishing the negative derogatory 30, 60,90information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC? 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 
Also, CONSUMER PORTFOLIO SVS '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA? 809, which is {$1000.00} per violation and the state of TX allows treble damages. 
Under? 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) CONSUMER PORTFOLIO SVS failed to send me my initial communication before placing this alleged derogatory 30, 60,90status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC , and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve CONSUMER PORTFOLIO SVS is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( Tex.App-XXXX XXXX XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX XXXX writ dism 'd w.o.j. ) Asthe court noted in XXXX v XXXX XXXX, XXXX. XXXX JMR/FLN, XXXX XXXX ( XXXX XXXX XXXX ), [ t ] he majority of courts considering the questionhave drawn upon defamations traditional multiplepublications rule. Underthis rule, each publication of the same falsehood by the same defamer is aseparate cause of action, thus starting the limitations clock anew. ( citingRestatement ( Second ) of Torts? 577A ( 1 ). 
In the FCRA context, this means eachtransmission of an erroneous credit information is a separate FCRA violation. (, after failing to perform a reasonable investigation andsubsequently re-certifying false information to the CRAs each monththereafter. This would negate the possibility of any time barred allegationsconnected to their actions by the Plaintiff when the violations were on goingat the time the complaint was filed. ) In the state of Texas a creditor actually fall under the TDCPA, contrary to the FDCPA, a creditor who collects its own debts is a debt collector under the TDCPA. XXXX v. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX reh.den. ) XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-Dallas XXXX writ dism 'd w.o.j. )
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block inc ) due to inadequate customer service and unfair practices which violates customer financial protection act. Cash app failed to take timely and effective measures to prevent fraud on their platform leaving my account unprotected. Their dispute process is unfair and they do not comply with error resolutions under the Electronic fund transfer act and regulations E.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS FRAUDULENT STATING THEY HAVE NO INFORMATION ON MY CREDIT PROFILE. THIS IS OUTRAGEOUS. THEY ARE NOT CORRECTING DELECTING INACCURATE INFORMATION DELIBERATELY. I REVEIVED Five letters stating they don't have information to correct when I see on various credit reporting agencies the false information they continue to put on XXXX dispite proof by creditors that's duplicates and accounts are paid ie XXXX XXXX XXXX XXXX XXXX etc.
Product: Credit card

XX/XX/XXXX : Applied for Credit Card and was approved XX/XX/XXXX - XXXX : Used card with no issue. 

XX/XX/XXXX ( reported from company when I called them ) : Account was closed for " suspicious activity ''. They did not go any further detail. 

XX/XX/XXXX : Called CC company to figure out why card was being declined, was told that my account was closed for aforementioned suspicious activity.
Product: Credit card or prepaid card

Ive been having issues my credit card since XX/XX/XXXX. Ive called them on several occasions trying to get this matter straight. Ive disputed charges on this card and received a new card. I called them on XXXX XXXX because I had no statement. I received my statement 2 days later via email, my balance was {$170.00}. I paid {$170.00} on XX/XX/XXXX now they say I owe them {$8.00} interest charge. I dont understand how and why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I choose to dispute a false claim from SCA collections in regards to a claim of {$620.00}. The XXXX XXXX XXXX allowed me to dispute 3 accounts totaling the XXXX. I was given an account number from SCA to pay the bill however the account number given is not valid. I need a dispute letter from XXXX so I can proceed to contest this payment and set my credit record free. Thanks for your help pertaining this matter.