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

Despite multiple requests, the unverified item with Santander, inaccurate late payments status, still remains on my credit report in violation of Federal Law. I have contacted Santander via mail and have returned undelivered mail with inaccurate address on file, and via phone Santander has told me I never had account with them. Required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Mortgage

This is a continuation of complaint XXXX, since the servicer did NOT resolve the issue described in that complaint. The company 's response to that complaint included this : " We show that the account was setup on our Max Pre-pay Plan on XX/XX/XXXX. Please note that this allows for the additional funds to be allocated for payments, which is why the funds were being designated as unapplied funds until they were enough to satisfy a monthly payment. We understand that this is not what you were requesting and apologize that you were setup on this plan. We currently show that the account is no longer setup on this plan and should not have any further issue with the payment application. " Firstly, I never requested my account be set up on such a plan in the first place. During that XX/XX/XXXX call with a customer service rep, I was trying to resolve another payment issue in which my entire payment had been converted to purely interest curtailment ; the customer service rep told my my account had been set up incorrectly, and he could change it so that any additional amount I payed above the required minimum payment would automatically go towards principal curtailment. That sort of account alteration is what I agreed to. There was no mention of a plan named " Max Pre-pay Plan '', nor was the change he was going to be making described as any additional payment above the required minimum payment getting dumped into " Unapplied funds '' with no curtailment of principal. 

In addition, regarding the company 's statement that " We currently show that the account is no longer setup on this plan and should not have any further issue with the payment application. '' I submitted another payment XX/XX/XXXX in the amount of {$3200.00}, which included a monthly payment amount of {$2000.00} and an additional principal amount of {$1200.00}. The on-screen confirmation as well as the emailed confirmation accurately reflect my instructions for applying the payment, as described. Despite those confirmations, the company decided to not follow those instructions upon payment processing, instead treating the additional principal payment as " Unapplied funds '' which did not curtail the principal balance : Unapplied Funds XX/XX/XXXX {$1200.00} {$0.00} {$0.00} {$0.00} {$1200.00} {$340000.00} Monthly Payment XX/XX/XXXX {$2000.00} {$710.00} {$930.00} {$390.00} {$0.00} {$340000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX **To : ** XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Formal Dispute of Inaccurate Reporting XXXXXXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute inaccuracies reported on my credit file under the XXXX XXXX XXXX account XXXX XXXX XXXX ). I believe these errors violate the **Fair Credit Reporting Act ( FCRA ) ** and **U.S. Code 1666b**. Please investigate and correct the discrepancies listed below.

**Violations Identified : ** 1. **Payment Status Inconsistency : ** - XXXX lists the payment status as " 60 days past due, '' while XXXX reports " Past due 60 days, '' and Equifax states, " not more than three payments past due. '' This inconsistency is misleading and a potential breach of FCRA 611 ( a ) ( 1 ), requiring accurate and verifiable information. 

2. **Date Discrepancies : ** - The " Date Last Active '' for XXXX ( XX/XX/XXXX ) conflicts with XXXX and Equifax XXXX XX/XX/XXXX ). Such inconsistencies violate FCRA 623 ( a ) ( 1 ) ( B ), which mandates data furnishers report uniform and precise information. 

3. **Ambiguous Comments Section : ** - XXXX provides vague commentary that does not align with the other bureaus. Comments such as these can negatively impact my creditworthiness and do not adhere to the FCRAs standards for clarity and precision. 

4. **Payment History Error : ** - XXXX inaccurately reports a late payment ( 60 days past due ) for XX/XX/XXXX, despite my records showing no such delinquency. This late payment notation breaches **15 U.S.C. 1666b**, which outlines creditor obligations to ensure accurate billing information before reporting to credit bureaus.

**Requested Resolution : ** - Conduct a comprehensive investigation into this account and correct any inaccuracies. 
- Provide written confirmation of all updates to my credit file upon completion of your investigation. 

Under the FCRA, you are required to complete your investigation within 30 days of receiving this letter. If the information can not be verified, it must be promptly removed or corrected. 

Attachments : - Copy of the XXXXXXXX XXXX XXXXXXXX account screenshot. 
- XXXX of my government-issued ID and proof of address ( for identity verification ). 

Thank you for your attention to this matter. Please notify me of the results of your investigation at the address listed above. 

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

Experian continues to report inaccurate information on my credit report. They sent letter stating the company that reported this information certified to Experian the information is accurate. Therefore, Experian admits they did not investigate my claims below and submitted to them on XX/XX/XXXX. 

My original complaint. 
Reporting Account as " OPEN '' with BALANCE of {$500.00}. Account was charged off XX/XX/XXXX and most recent inaccurate report to my credit is XX/XX/XXXX. This account is in violation for the FCRA : Duty to Provide CRAs with Accurate Information Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. Please delete from all three bureaus immediately. XXXX XXXX account number XXXX
Product: Debt collection

On  XXXX   XXXX  , 2017 my  employer 's payroll department notified me that my wages were to be garnished by court order. The law firm responsibl e, Zwicker and Associates, PA, did n ot notify me of the lawsuit and I did not receive any court summons. Furthermore, the action was not brought in a jurisdiction where I resided at the time, nor in the jurisdiction where I signed the contract sued upon.  <P/> I attempted to resolve this debt and put a stop to the garnishment by furnishing payment to the firm. I called them and was told to send guaranteed funds to  XXXX   XXXX   XXXX ,  XXXX , MA  XXXX  by overnight shipping. I did this, and tracked the shipment.  XXXX  indicates that it was signed for by one  XXXX   XXXX . In spite of the fact that they have received payment, they are continuing with their attempt to garnish my wages, and are actively ignoring all of my attempts to communicate with them.
Product: Credit reporting or other personal consumer reports

I recently sent a dispute asking if the account on my credit report is correct and complete. They didnt properly look into it. I believe the information is still wrong and incomplete. This is really stressing me out, and Im feeling very down. Please help meI feel like my life is falling apart. 

Please know that I am the one submitting this dispute, not a third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my consumer report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My consumer report lists the following issues/accounts as needing investigation and correction due to inaccurate reporting in my file. Ive sent letters including my FTC report to Equifax on XX/XX/XXXX tracking XXXX. Equifax refuse to investigate. I sent in a reinvestigation request and along with debt validation XX/XX/XXXX and XX/XX/XXXX tracking XXXX and XXXX Equifax still have not sent me any documents including my signature to verify these accounts. The account are listed below. Please send me proof of debt with my signature or remove these inaccurate accounts from my consumer report. Here are the accounts I need investigated and validated accounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX and XXXX XXXX Account was never past due, I never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I posted my laptop for sale on XXXX XXXX XXXX for XXXX dollars. A person knocked me saying that he wanted to buy the laptop for XXXX dollars and he wanted to pay via XXXX. I gave him my XXXX  id. Immediately I got an email that he has sent me an amount of XXXX dollars and it looked like it came from XXXX exactly but it said it was pending for transaction and my account needs to be upgraded to a business account shortly and then I was sent another email saying that I need to pay the buyer XXXX dollars refund which I did and again I got similar mail from XXXX which is supposedly fraud that I need to send another XXXX dollars. Again I sent that amount and later I realized that this was the XXXX scam and yes I have been scammed and immediately on that day I contacted XXXX and my bank Chase Bank. They both told me that it was a scam not a fraud like I was the one authorizing the transaction so this is not a fraud and I will not be getting any refunds for this, I tried to contact everyone in this process but I did not get any help as I was the one who authorized this and also I didn't know the differences between fraud and scam. Hope you guys can do anything about this
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Account with Portfolio Recovery Associates ( Original debtor XXXX  XXXX ) Account number XXXX Collection opened XX/XX/2018 This is reported on my XXXX, and XXXX  reports. This is NOT my debt. I have reported to XXXX  and XXXX  and they investigated yet the item remains on my reports. I have disputed to Portfolio Recovery Associates and requested signed proof that I opened this account. They have not ( and can not ) provide it as this account was never opened by me, yet the account remains open and on my credit reports.
Product: Credit reporting or other personal consumer reports

Hello, I was sold on a XXXX security system by a door-to-door interaction. What is not in my XXXX contract is that a new credit card was opened in my name without my permission with XXXXXXXX  . XXXX  is the card name. This was mentioned nowhere in the XXXX contract I signed. I shortly began receiving standard Welcome correspondence from XXXX, and a physical card. XXXX had immediately charged {$4400.00} to this XXXX  card with a {$5000.00} credit limit. Also a condition that the card could only be used to purchase XXXX equipment. 
I never spoke to anyone, or signed anything about the XXXX  credit card. My Excellent credit rating took a nosedive because of the XXXX percent utilization rate on the card. My normal credit card usage is between 3 % and 6 %. 
Because there is a XXXX contract clause giving a 60-day cancellation for people over 65, I began trying to go through XXXX to cancel the contract. I have never received an email address to respond to, but was assured by a Do-Not-Reply email that my contract has been cancelled. In the meantime, I have received my second statement from XXXX  asking for another payment ( due XX/XX/year> ). 
I was assured by XXXX that my credit issue would be returned to normal. I seen no action on the XXXX  credit card end. I actually made the first payment to keep a late payment from showing on my credit rating.
Product: Debt collection

Company is reporting on all    XXXX    credit bureaus and sending me information that I owe this debt including threatening phonecalls.     I have sent letters for them to verify this debt bearing my signature and they have not.     I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA '' Also sent with certified mail and verification of signiture for each article of mail
Product: Mortgage

I am requesting to add additional information in documents and recordings to my complaint Complaint Number XXXX, which I would like to submit as part of my Case Number XXXX as evidence.
Product: Credit reporting or other personal consumer reports

I never live at XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. 
I need to address to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your persistent disobedience. 
XXXX XXXX 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 XXXXXXXX Balance : {$590.00}
Product: Checking or savings account

I had a Navy federal account that had OOOps on it. The program cause me to have a lot of overdraft fees
Product: Debt collection

I paid my XXXX XXXX XXXX Bill associated with account number XXXX the full balance of {$190.00}. nonetheless, I've been contacted multiple times by credit collection services with demands to pay a bill that I've already paid. My reference number is XXXX, pin number XXXX. I have tried calling both XXXX and credit collection services to no avail. They are demanding money my already having paid the bill.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed that i had a late payment on an account that i was never late for.Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy.I have never been late on payment of this account ; XXXX XXXX XXXX XXXX  XXXX XXXXPlease investigate and provide proof with with statements showing that payments were made late.If proof cant be provided, I demand that payments be updated to on time as it should be as i was NEVER late. 

Thank You.
Product: Credit reporting or other personal consumer reports

Failure to Comply with Cease and Desist Letter Under 15 U.S.C. 1692 ( c ) of the FDCPA I am submitting this complaint because I sent a cease and desist letter to [ Debt Collector/Agency Name ] under 15 U.S.C. 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), requesting that all communications regarding disputed accounts cease. Despite this, the accounts in question are still being reported on my credit report, which I believe violates my rights under the FDCPA and possibly the Fair Credit Reporting Act ( FCRA ). 

The accounts are inaccurate and should not be included on my credit report. I have taken the following actions : Sent the cease and desist letter on XXXX via certified mail to ensure receipt. 
Included specific disputes about the accounts and provided all necessary supporting documentation. 
To date, these accounts remain on my credit report, which has caused continued harm to my credit standing and financial well-being. I believe this is a violation of both my right to have accurate credit reporting and to limit communications about disputed debts. 

I am requesting that the CFPB investigate this matter and take appropriate action to ensure the collector complies with the FDCPA and that the inaccurate accounts are promptly removed from my credit report. 

Thank you for your assistance. 

Additional Information : Debt Collector/Agency Name : XXXX XXXX
Product: Credit card or prepaid card

First progress wasnt reporting correctly on my credit to much different information, that never matched. They closed my account without my knowledge now its messing with my credit
Product: Debt collection

I C System is continuously reporting a debt to my credit report that isn't owed to them. In my previous complaint, I asked them to cease and desist communication as well as delete this debt from my credit reports as I will handle this matter directly with the original creditor. 

I received a letter from I C System dated XX/XX/2020 stating that they are terminating all collection efforts but they are still reporting this account to my credit reports. 

The letter also states that XXXX XXXX hospital is both the original and current creditor. Well if that's so then why is it being reported on my credit file by I C System and not by XXXX XXXX XXXX in which I do not owe them either.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7600.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.