23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that IC SYSTEMS would verify the debt. So I took it upon myself to ask IC SYSTEMS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Payday loan, title loan, or personal loan

I was desperate for money, I felt really taken advantage of. I had no idea that their type of lending was illegal in CT. Being charged over 700 % interest on {$700.00}. I went to go pay off my loan a month later after making four payments of {$100.00} which totaled {$430.00} and they said my loan payoff was about {$820.00}. Now that they have twelve payments equaling {$1300.00} with a total of {$600.00} worth of interest and Im out so much money Im in worse condition trying to pay my car loan and my rent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a fraud account on my credit report. I have disputed this item several times with the credit bureau and the creditor. This is not my account. This is a result of identity theft. This fraud account needs to be removed from my credit report immediately. This is a violation of the Fair Credit Reporting Act.
Product: Mortgage

My Mortgage Company has a pay-by-phone option that I utilized in XXXX 2014. I lost the transaction number, so I checked my bank statement and verified that both the mortgage payment and the telephonic transaction fee had both cleared ( by name ). Within months I noticed that the XX/XX/XXXX payment was NOT acknowledged as received. I began receiving late fee charges, correspondance suggestioning financial assisstance (! ), and eventually threats of foreclosure (! ). Simultaneously I am attempting to go through the 'proper channels '. I contact the mortgage company telephonically, to no avail, all personell maintained that the payment had not been received. I then attempted to contact the complaint dept, and forwarded all pertinent bank statement info, also to no avail. I then secured legal assistance who again forwarded all pertinent info on my behalf. They ( legal ) also received the 'company line ' that the payment had not been received. At that point the my legal service suggested I contact CFPB, as solving this type problem falls within your specific function. Please assist as my Mortgage company is now threatening foreclosure within the month.
Product: Credit reporting or other personal consumer reports

I have my driver 's license lost in mail around XX/XX/2024 and identity stolen around same time. Some fraudulent person uses stolen identity to create accounts with Experian, XXXX, and XXXX to access my credit report and lock me out of account access once I found out about the theft. 

I subsequently contacted Experian on XX/XX/XXXX to file dispute on account created by fraudulent person using stolen identity and phone number with area code XXXX and XXXX  account. Experian asked for copy of utility bills, drivers license, and even social security card to be send by fax which I did on XX/XX/XXXX. Nothing being done up to XX/XX/ 2024. A call to Experian on XX/XX/2024 after initially answering XXXX identity questions and told account reset password link will be send to my current password within XXXX mins but nothing show up. Subsequently call to Experian asking for supervisor to file complaint but supervisor refused to answer the call! After several strong request, a supervisor named XXXX, hear the complaints call with rude voice but subsequently hang up midway without providing any apology, time frame or solution. This is definitely frustrating process with Experian while fighting the identity theft after Experian allow fraudulent person to change my information! 

While I have similar incidents with both XXXX and XXXX, they manage to resolve the issues within the same day after receiving documents and verifying the identity.

Thank you for your kind assistance. 

Yours truely XXXX XXXX
Product: Debt collection

Capio partners LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX continues to put a XXXX XXXX XXXX XXXX XXXX on my credit report after the credit bureaus remove it from my credit bureau I have contacted XXXX XXXX XXXX they have never billed my insurance company XXXX when I gave them the information I have disputed that information not accurate XXXX never sent a bill its not mine also another collection agent asset care llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX is appearing on my credit report I dont know who that company and they should also be removed from my credit report this is fraud
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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

This is a long story due to the incompetent employees at XXXX XXXX. XX/XX/XXXX I closed on my house with them. XX/XX/XXXX they raise my mortgage by almost {$400.00} with the explanation of force placed insurance. Myself and my homeowners insurance company submitted all documents they asked for and waited for them to back date and adjust my mortgage correctly like they advised XXXX XXXX. Finally after over a month and many hours on the phone with them and my insurance company, XXXX XXXX finds the mistake they made at closing. They forgot to include my wind and hail which does not need to be escrowed. They add it without my consent. They have refused to correct the issue or call me back/answer my calls and are negatively reporting to the credit bureaus. They are also applying my mortgage payments incorrectly. What they are doing is illegal. I have facts and proof of their wrong doing and so does my insurance company. XXXX and XXXX XXXX are the most unprofessional and disrespectful people I have ever dealt with. Math is not hard and numbers do not lie ; XXXX XXXX does. This is a short version of key points. Just look at their XXXX and XXXX reviews. The attachment is just one example.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 The XXXX XXXX XXXX XXXX report to Experian a False and inaccurate address in wich I never leave and the other problem was that the XXXX XXXX XXXX never sent me a notification of such collection From XXXX XXXX  of a collection of XXXX XXXX XXXX
Product: Debt collection

Stated that they were going to subpoena me at my home or job and if I was not there they were going to give me a bench warrant.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Final Goodwill notice to remove innacuracy on my credit report
Product: Vehicle loan or lease

Santander Consumer USA has recently started reporting on my credit reports that I have a past due balance of {$11000.00}, which is not true. Santander financed a vehicle for me in XXXX XXXX for around {$14000.00} plus interest. Santander repossessed the vehicle around XXXX XXXX XXXX. I contacted Santander the day the vehicle was repossessed and advised them that I needed to get my property out vehicle and also I wanted to know the past due amount and information on the repossession. The rep for Santander advised me that they had no information about my vehicle being repossessed and stated that, if the vehicle was repossess I would received a letter in the mail letting me know what I needed to do to get the vehicle back. Also the rep stated that getting my personal property back was a private matter between me and the towing company. I never received any letter or any further communication since that call in early XXXX XXXX. I found out about a month later from the repo company that vehicle was sold at auction and I was out of luck on my property. Fast forward to XXXX XXXX, I pulled my credit reports and to my surprise, Santander is on my credit report claiming I owe them {$11000.00} for a vehicle they repossess? Which they make no mention of the repossession on my credit report they simply just state the account was charged off. The original finance amount of the vehicle was approximately {$14000.00}, plus interest. I called Santander on XXXX XXXX XXXX to request information on this, to see how was it possible I would owe {$11000.00} on a vehicle that cost {$14000.00}, and was sold at auction and was advised they sold my vehicle at auction for about {$6000.00}, and the {$11000.00} is for the daily interest they are charging on the past due amount! How can I have a past due amount? Well Santander has been charging me {$420.00} a month since the repossession! First, they have no right to charge me interest or anything else after they repossess the vehicle without a court order in the state of North Carolina. Second, they never notified me after the repossession to advised me of the amount to get the vehicle back or the auction date. That is also required under North Carolina law. Third by not contacting me thru this entire process, they have denied my right under collection laws to dispute the amount they are reporting I owe to credit reporting agencies, the reporting is a form of collections which is also against North Carolina law without a deficiency judgment giving Santander the right to collect the debt they are claiming. I 'm looking for help to resolve this matter because I can not get anywhere talking with Santander directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX and XXXX XXXX both has spoken with Ally Financial about two payments we made on our account to get it current. we was told the extra payment went toward the principal we never told them to place that extra payment toward the principal of the loan. We told them we made that extra payment to get our payments caught up. XXXX told us when you make a extra payment we place toward the principal and we told them no that is not correct I told them when I made the payment I was paying last month and this month they said ok. Know it is showing on our credit that we are behind on our truck and we are not. We have tried talking to them and they keep telling us they are going to fix it and they haven't it is still showing late it is hurting our credit very bad. this HAS BEEN GOING ON FOR 5 MONTHS every time I call them they tell me they are going to fix it they still have not fix it this is very upsetting that they would just tell me a bold face lie about they was going to fix it and haven't. I was calling them everyday and they say they are working on it that is a lie.
Product: Credit reporting or other personal consumer reports

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

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

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

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

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : Cushman v. TransUnion Corp. ( 1997 ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data.

Dennis v. BEH-1, LLC ( 2002 ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages.

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

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

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

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

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

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

XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, "
Product: Credit reporting, credit repair services, or other personal consumer reports

I was wrongly accused and penalized on my credit report by the following companies : -XXXX XXXX for {$510.00} on XX/XX/XXXX -Midland Funding for {$910.00} on XX/XX/XXXX XXXX XXXX XXXX  for {$710.00} on XX/XX/XXXX I've already taken the time to dispute all charges. 

These collection accounts have had an adverse effect on my credit and I would like them to be removed expeditiously.
Product: Debt collection

I received a call from XXXX and they left a message saying " Our office has been instructed to contact notified individual by the name of XXXX this notification will be defined as formal intent to contact you regards to receiving a statement of intent by named individual XXXX prior to filing in your county jurisdiction. A mandated response is requested from yourself directly at toll free number XXXX claim number XXXX toll free number again is XXXX. '' XXXX is my brother ; I am XXXX. I called back and informed them that I am not XXXX and that they do not have my permission to ever contact me regarding my brother or his business and that they must take my personal cell number off their list. To be clear, I have never co-signed anything for my brother. The person who answered became instantly belligerent ; told me to shut up multiple times, used abusive language/tone and, in the end, threatened that he would subpoena me to court in my brother 's county of residence ( he 's in XXXX, I am in XXXX ) as a character reference for whatever he is working on. The person I interested with was the most obnoxious and completely unprofessional individual I have ever been in touch with. It takes a lot to rattle me and this one ticked me off to the core. The name of the company was " The CCA '' or " The XXXX. '' I have added them to my block list, but still would like you to take action. NOTE : My brother is the veteran, I am not.
Product: Debt collection

Recived a phone call from ARC Management group about a medical debt, during intitial communication with there representative on XXXX it was stated that my medical insurance had declined the original claim and it had been given to them to collect. I informed them it was a mistake and I would contact my insurance agency XXXX to fix the problem. To which they requested a call back after. Contacted my insurance got it resolved and they said the claim would be fixed. Upon calling ARC Management group back I was handled by a separate representative who when I attempted to explain my coverage was good and the debt would be paid. I was told No that it was a deductible and it must be paid today or it would impact my credit. I responded with no it was miss filled and I had already paid my copay for services that as soon as my insurance handled the claim they would be paid. To which I was told that it was amazing that I hadnt already been reported to the credit bureau and if I didnt get my insurance agency on a conference call or get them a fax with promise of payment that i was required to make a payment myself immediately or my credit would be affected.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial has continually reported 30 day late payment for the past 90 days when we are current and on time with our payments. We have spoken to them more than several times to try and get them to correct their mistake with no result. Every time we speak to them we get the run around and they say they are going to correct issue but dont they post the following month too.
Product: Debt collection

Dear Sirs : XXXX XXXX XXXX XXXX a debt collector, is attempting to collect debt not owed by me. I do not owe anything to the company, XXXX XXXX they 're representing. In fact, XXXX XXXX confirmed that they were giving me credit for the fraud that they tried to perpetuate on me. So by XXXX XXXX XXXX XXXX XXXX  representation and extension, I am filing a complaint to stop this misrepresentation and stop a potential re-occurrence of fraud. I attach all the related documents.

Here is a summary of the sequence of events.

1. On XX/XX/XXXX, my wife and I reserved/rented a car with XXXX XXXX in XXXX for four days and returned it exactly as per rental agreement.

2. On XX/XX/XXXX, XXXX XXXX issued a fraud alert saying XXXX XXXX attempted to charge us for {$120.00}, which the bank declined. We had no idea what the charge was for.

3. On XX/XX/XXXXXXXX XXXX ( XXXX ) emailed me saying my car was overdue. I replied right away saying I returned it on time.

4. OnXX/XX/XXXX XXXX XXXX, rather than replying to me, charged me an extra {$280.00} ( equivalent dollars ) through our XXXX XXXX without explanation. Looking at the charge, they claimed I returned the car 3 days later.

5. Sensing fraud, I immediately disputed said amount through XXXX Fraud Alert department.

6. After a back-and-forth with XXXX through XXXX and explaining what happened presenting evidence that we left the country on XX/XX/XXXX, XXXX finally gave us a credit through XXXX and bank notified us onXX/XX/XXXX that this was resolved.

7. Despite this, XXXX sent us a collection notice directly by mail and followed up by email in the person of XXXX XXXX on XX/XX/XXXX - about two and a half-months later. I replied right away that this has been resolved and their company sent me a credit note, which I attached in my emailed reply.

8. XXXX XXXX XXXX acknowledged it but still insisted on payment. She threatened sending the already resolved dispute to a collection agency. This is extortion. Why would I go through another potential misuse of my card? ( Please note that there was a fraudulent charge from an XXXX vendor while the dispute was going on. I only used the XXXX card for XXXX XXXX and nothing else. ) 9. JXXXX XXXX XXXX XXXX  through their representation, is perpetuating this fraudulent charge without verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 credit bureaus. are reporting late payments I have never been late on any payments.they stated 1 being mortgage I sent then full copy of all payments they didnt correct. They are Fabracating and reporting to banks credit card cos. etc. THE REPORTS I SEE FROM THEN DONT SHOW ANY LATE PAYMENTS ON ANY 10 ACCOUNTS.THEY ARE REFERING TO.