23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Santander consumer USA..they 're a bunch of crooks. I 've been paying on my loan for over a year and my payoff amount is greater than car purchase price with XXXX down. And it cost me a XXXX dollar fee to pay my bill. It 's just crazy, is n't their a consumer protection law ... this company is extremely greedy and are making the poor poorer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent accounts on my credit report, which I reported to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX yet they are not removing these fraudulent accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX have no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX have refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXXXXXX XXXX opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were opened at an address where I have never lived at and it has nothing to do with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe XXXX XXXX has done a dark pattern on my credit report also my information was shared with third parties without my consent some of the inquiries on my report should not be there they are either closes or was part of a bankruptcy etc
Product: Debt collection

This abuser posts Every month a past due payment for a storage unit that i was told was illegally sold by the storage place after I paid a amount less 1 months amount to the manager on duty, and he even emailed me by electronic communication that he took our items off the auction list, and in fact we had SIGNED a ELECTRONIC NOTIFICATION agreement for us to be notified of Any issues by electronic email instead of paper mail aka letters which the manager at the time XXXX XXXX XXXX also signed and a XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX California XXXX. 

When we went to pay the amount due after paying them XXXX the month before plus XXXX the nextday, he said oh my we went and sold your items anyhow, even though we have their emails 2 weeks prior saying to me to get well, no worries we are fine which i still have the electronic communication which is the legal way to notify us of any issues, and they meaning the XXXX XXXX managers used the email electronic communications INSTEAD of emails as in the contract signed to Decieve and to us to lose our personal property and childrens heirlooms. 
Now their collection agency AWA collections are billing us on a monthly basis for the past four years as if they still have our property in the units, so either they should IMMEDIATELY NOW produce our items if they are still charging us, or cease placing False information on the credit reports that we are past due every month, if they have our items still, which included our person documents and photos of our babies and our clothing Advise us, since the personal items Where NEVER RETURNED as prescribed by law that had no vaule of interistic except to us, and then if there is nothing in these units, then stop placing what amounts to False and MISLEADING information that the units have our items still inside, if they are then they meaning the storage company staff lied to us and just took our money.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX # xxxxx 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 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: Debt collection

XXXX. XXXX XXXX XXXX, XXXX, {$1500.00} XXXX. XXXX XXXX XXXXXXXX, XXXX, {$1200.00}. 
XXXX. XXXX XXXX XXXX  XXXX, {$340.00} XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX, {$9000.00} XXXX XXXX XXXX XXXX XXXXXXXX, {$740.00} XXXX XXXX XXXX XXXX XXXXXXXX, {$570.00} According to 15 USC 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I want XXXX XXXX per violation
Product: Credit reporting or other personal consumer reports

I am concerned about several accounts on my credit report that have been marked as " verified '' and " updated '' without any supporting evidence or documentation to confirm their accuracy. This lack of proper validation raises serious concerns about the reliability of the reported information. 

I previously requested validation from the data furnishers, but no sufficient documentation has been provided. This failure to validate the accounts is a clear violation of the following regulations : FCRA Section 611 ( a ) : Credit bureaus must conduct a thorough investigation when a consumer disputes information.

FCRA Section 607 ( b ) : Only fully verified and accurate information should be included in credit reports.

FDCPA Section 809 ( b ) : Creditors are required to validate the debt upon request, which has not been done.
Product: Debt collection

I moved out of XXXX XXXX XXXX XXXX, located in XXXX, VA, on XX/XX/2023. 

On XX/XX/2023, I visited XXXXXXXX XXXX XXXX to inquire about a package that may have been mistakenly sent to my old address. The leasing office staff said they would look out for it. The same day, I received an email from XXXX XXXX XXXX  stating I owed approximately {$2000.00} to the property ( in excess of the {$800.00} security deposit they had ). The email also stated that they sent written notification of the same, which is untrue. The written notification was not postmarked until XX/XX/2023. 

The Code of Virginia ( section 55.1-1226 ) establishes timeframes for landlords to notify tenants of debt and try to collect. Even reading the statute in favor of the landlord, the longest amount of time a landlord can take before notifying a former tenant of debt is 45 days. I was not informed within that timeframe. I was not contacted until I reached out to the property for something unrelated. 

On XX/XX/XXXX, the property reached out to me again, and I stated the requirements as in the Code of Virginia, stated I would not be paying the alleged debt, and asked for my security deposit back. Instead of following the requirements in the Code of Virginia, they turned the information over to a debt collector, who has now reported the debt on my credit report.
Product: Student loan

On Tuesday, XX/XX/XXXX, I called my Loan provider XXXX to speak with a representative in regards to receiving a refund based on the recently enacted Cares Act. My refund was processed, however they would not give me a clear timeframe in which the refund would be posted back to my account. I asked the representative if they could also send me a confirmation request for the {$4000.00} refund and they said that they do not have any confirmation documentation that they can send me and that I just have to wait and continuously check my account to see if the balance was updated. After feeling uneasy about the situation, I called back again on XX/XX/XXXX to confirm that my refund was being requested, and the representative confirmed the request was placed. I asked again about a timeframe for the refund, and the new representative told me 150 days - up to a year. I asked them why it would take so long as other providers I've read are processing within 4-6 weeks and even within 2 weeks, in which they could not answer. I need the balance to be reinstated and a refund as soon as possible for forgiveness eligibility. After doing research on this loan provider, I heard that they were fined for misleading consumers and even received a letter in the mail about their latest data breach, which already makes me uneasy about this loan provider. I can not stand the contradicting answers from this company anymore. They couldn't even confirm the amount of my refund. All I want is clear answers and my refund to be posted to my account please.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT REPORT INQUIRY REMOVAL I have written this letter to dispute a Credit Inquiry that is falsely listed on my credit reports. 

Company Inquiry Reported To : XXXX XXXX XXXX Date of Inquiry XXXX XXXX I am disputing this claim due to : I have no knowledge of this account. It is fraudulent and I am requesting that it be removed. I have already submitted a request for removal to the company directly more than 30 days ago, and the Inquiry is still being reported on all three of my current Bureau Credit Reports.

This is my official request to have the aforementioned item to be deleted off my consumer report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX  letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 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 und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The XXXX credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

RE : NAVIENT STUDENT LOAN SOCIAL SECURITY NO XXXX ; Account # XXXX Hello : Navient Student Loan Company has mistakenly listed my student loan amounts due, twice, thus doubling my balance from approximately {$150000.00} to approximately {$300000.00}. 

See the attached. 

They also have not sent my invoice for the next student loan payment amount, purposefully so that I default and have to pay additional " collections fees. '' Please investigate and advise. 

cc : Pennsylvania, New York & Delaware Attorney Generals, US Department of Justice, Delaware XXXX XXXX XXXX Kind regards, XXXX
Product: Bank account or service

I 've been a member of the Merrill Lynch Wealth Management Group since XX/XX/XXXX. Recently, I transferred to the Merrill Edge Adivisory Group located in XXXX, Arizona. As result of this transfer, they ca n't locate the beneficiary paperwork on my IRA and nor my Statement on my Trust Account for XXXX XXXX. I spoke to the XXXX XXXX Financial Advisory Team on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX to receive this information. They said ca n't retrieve this information.
Product: Mortgage

XXXX XXXX I went to XXXX XXXX community to put a deposit on a townhouse that is being built and to be completed by XXXX or XX/XX/2019. 
XXXX XXXX Went back to XXXX XXXX to meet XXXX the loan officer from Loan Depot to get pre qualified. I am already pre qualified with my own lender, how ever part of the process to buy a home with XXXX XXXX is to get pre approved by their preferred lender Loan Depot. I filled out the loan info with XXXX. Was told it's good to go. Got a disclosure packet and was told by XXXX that she would send us a link to upload financial documents so we can get our pre qualified letter to the builder to sign docs and get into contract. 
XXXX XXXX After many reminders to XXXX she sent over the link to upload documents and also sent a loan quote. She also sent of a list of debt to be paid down to 30 % ( my debt is 25 % usage which is under 30 % ) XXXX XXXX, I had a family friend become a co borrower to help get the loan. All docs were sent in XXXX XXXX Back and forth emails and text trying to get answers as to if I am pre qualified, finally on XXXX XXXX I get a call from XXXX saying that everything looks good she is going to send the pre qualified letter to XXXX XXXX builder. It took 5 days for XXXX to say we are pre qualified. 
XXXX I go to XXXX XXXX to see the homes one more time and to talk to the office staff. The staff told me they talked to XXXX and they are waiting for the pre qualify letter to start the process to get into contract. I was given a welcome folder and congratulations letter. Later that evening XXXX called and said we don't qualify. We are 4 % over ratio. 
XXXX XXXX I emailed and text XXXX several times asking what the numbers were and what is the 4 % off so I can fix it. No answers XXXX I called XXXX XXXX office staff and told them I can't get any answers from XXXX , they reached out to her she then emailed me a drastic change in numbers, that I have to pay off my debt to XXXX balance, that our co borrower also has to pay hers off to XXXX balance and quoted us the highest interest rate of XXXX and highest PMI of {$870.00}. Things went from paying down credit to 30 % to paying down to zero balance ( side not my XXXX report says I am at 25 % usage which is under 30 % ) and to the highest rate and numbers on the loan.
Product: Credit reporting or other personal consumer reports

XXXX is furnishing inaccurate information on my credit report which is causing harm to my personal life. As of XX/XX/XXXX, as listed on my most recently reviewed consumer report, there are XXXX fraudulent/unauthorized inquires listed. 
As a reference, please see the below inquiries : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Also, TRANSUNION is furnishing a fraudulent/unauthorized inquiry on my report that was made on the same day as the XXXX - XX/XX/XXXX inquiry. 

The inquiry from XXXXXXXX XXXX on XX/XX/XXXX is fraud. These XXXX inquiries showed up at the same time and were not authorized by me. 

I am hereby notifying you that neither on those dates nor dates similar did I authorize any individual from the listed companies to pull or review my consumer report. Additionally, I have not given XXXX or Transunion written consent to furnish this information. 
This is a violation of 15 USC and the Fair Credit Reporting Act. Both my consumer and privacy rights are being violated. 

Please remove the above mentioned inquiries. It is XXXX and Transunion 's duty to accurately report information and as of now they are not doing that. I look forward to XXXX and Transunion resolving this matter with this communication. Should they choose to be willfully neglectful as it pertains to my file I will file a dispute against them in small claims court seeking remedy for said violations.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. XXXX requesting immediate corrective action to remove or amend the accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I sent my letter off on XX/XX/year>. I told the credit bureaus to investigate every piece of information on the account I have listed below. Also I have attached the letter I sent out and here is the tracking # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 

According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 



Account : XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX   # XXXX XXXX XXXX  # XXXX XXXX llc # XXXX XXXX XXXX # XXXX XXXX and XXXX XXXX # XXXX Delete Accounts with all XXXX credit bureaus XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date of Birth XXXX SSN # XXXX DL : XXXX
Product: Mortgage

Citibank On disclosure its marked no prepayment penalty but deeper in the document is a paragraph with Early Closure Release Fee so the charged us a fee of {$670.00} So if no prepayment penalty why a early closure fee?
Product: Mortgage

currently I'm paying off a HELOC loan with SLS and my mother is trying to refinance and I was told that I needed to pay the past due in order to get a subordination in place so I paid the {$570.00} that was past due and I called to verify the that the funds would be distributed to the past due. Well this was in XXXX and they refuse to do this and my mother may lose the loan. I've called 10 times and have sent over 6 messages and this the funds are being applied to various things like additional payment to principal, unapplied funds identified, single payment, payment principal, payment reversal, mortgage payment but not to where I've asked it to be applied. Why? I call and they transfer me all over the place and keep me on old, playing games.
Product: Credit reporting or other personal consumer reports

I am a human being who is very disturb right now with the resolution provided by Experian. I spoken with a Experian Representative pertaining to this matter. I never authorized any of these inquiries beginning in i believe XX/XX/2023 up until the present. I am the consumer, i so aggrevated with this ongoing issue regarding my credit, Theres laws in place pertaining to this matter, for instance Investigation for Consumer Report., who was contacted to verify the information was correct, i need to receive this information as soon as possible, this need to be address immediately, I will not continue to feel violated or disrespected by the credit bureau . this need ro be deleted from my account asap as possible. thanks
Product: Credit reporting, credit repair services, 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 U.S.C 1681 : XXXX XXXX, Account # XXXX XXXX XXXX XXXX, XXXX, Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 States : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) States : No consumer reporting agency may make any consumer report containing any of the following items of information : Any 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

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 ITEMS. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$9700.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4000.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX