23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I am writing to bring to your attention a serious violation of my consumer rights by SANTANDER CONSUMER USA. I have recently discovered that SANTANDER CONSUMER USA have reported a late payment on the above account number to the consumer report without my consent. This has had a negative impact on my credit score and has caused me great inconvenience. This is a clear violation of several laws that protect my privacy and financial information, including 15 USC 6802, 15 USC 6802A, 15 USC 6801, 15 USC 1681 and Privacy Act. Under these laws, financial institutions are required to obtain explicit consent from their customers before sharing any personal or financial information with third parties, such as credit reporting agencies. By reporting a late payment on my consumer report without my consent, your institution has violated my right to privacy and control over my personal information. 
Furthermore, I have reason to believe that SANTANDER CONSUMER USA has also violated my privacy rights by reporting my personal information to third-party credit reporting agencies such as XXXX, XXXX, and XXXX without my explicit consent. As a customer of SANTANDER CONSUMER USA, I have the right to be notified of any negative information that is being reported to credit reporting agencies. I also have the right to control the dissemination of my personal information and to ensure that it is only shared with authorized parties. 

I demand that SANTANDER CONSUMER USA rectify this issue immediately by removing the alleged late payment from my consumer report within 5 days upon receipt of this notice and providing me with a written explanation of the steps you have taken to address this issue. I urge you to take immediate action to rectify this issue and ensure that your institution follows all applicable laws and regulations. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Transunion sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Under XXXX XXXXXXXX, restrictions on investigative consumer reports [ XXXX XXXX XXXXXXXX ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the XXXX  period preceding the date the subsequent report is furnished. Please update and correct my accounts right away. 

XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

XXXX debt collector SouthWest Credit System is attempting to try and collect on debt that was previously removed from collection agency named XXXX XXXX. XXXX XXXX credit agency 's did not verify the account back in XXXX of 2019. This past week the new collection agency reported to XXXX  and XXXX. I would like them to remove the attempt to collect.
Product: Credit card or prepaid card

My XXXX had XXXX on XXXX XXXX, XXXX in XXXX, FL. I flew from XXXX to XXXX to take care of her. She had complications from XXXX which required her to stay in hospital until XXXX XXXX, then bedrest at home for 4-6 weeks. I stayed with her to cook, clean, make sure she took her medicine, was comfortable, was eating, went to bathroom. As a result of the XXXX complications and bedrest, I stayed in FL and was unable to take my return flight home. 

Chase claims this is a pre-existing condition. Per the Physician 's Statement, this was not a pre-existing condition because they discovered a XXXX in her XXXX just a few weeks prior to the XXXX. Mom needed me, so I stayed in Florida to help her, which meant I was unable to take my flight home. I believe this qualifies as a cancellation due to medical emergency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau is FALSELY reporting " Serious Delinquency '' on my credit report and for inquiries that is affecting my credit worthiness and credit score when all of my accounts are in good standing and have been so for more than seven ( 7 ) years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number-XXXX This account is on my credit for {$3500.00} for XXXX XXXX, which I do not owe.
Product: Credit reporting

This info is incorrect please remove from my record DEROGATORY PUBLIC RECORD OR COLLECTION FILED Your credit report shows a derogatory public record ( such as a bankruptcy, foreclosure, civil judgement or tax lien ) or collection which is generally more risky to lenders. Note : A satisfied public record or paid collection will remain on your credit report for 7-10 years. XXXX. TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN Missed and late payments ( delinquencies ), including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO ( R ) Credit Score. Your credit report shows recent missed and/or late payments with creditors.
Product: Credit reporting or other personal consumer reports

I have an inquiry from one main financial and I dont have an open account with them. They need to immediately remove that inquiry from my report XXXX XXXX and XXXX. This is making my credit score look horrible. I need them to remove that from my credit report immediately. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist.
Product: Credit card

The account is closed by the company request for this to be removed from credit report ( XXXX XXXX XXXX  ) .. after I dispute it I got a summons by carrier they are sad sueing me after I dispute it
Product: Credit reporting or other personal consumer reports

They have all occurred XXXX are inaccurate haven't applied for any of those companies. ALL INQUIRIES!
Product: Credit reporting or other personal consumer reports

This inaccuracy is negatively impacting my credit report, and I kindly request that the matter be investigated and corrected as soon as possible. 

Please confirm receipt of this dispute and provide updates regarding the investigation process. 

Thank you for your attention to this matter.
Product: Debt collection

I received a letter about a debt from a CitiBank credit card, which I have never owned nor opened. It was called a XXXX Anywhere Card by Citi, and was used at a XXXX Maryland XXXX. 
The billing address I found out is a pizza place in XXXX, Va. I am quite upset that Citi allowed a card to be opened without my correct address in XXXX Va that I have been at for 6 years, and without letting me know that this card was approved. Upon calling Citi and asking what happened, they transfered me to a collection agency, XXXX XXXX XXXX , XXXX That agency immediatly strated trying to get payment, and would not listen to my explaination. When asked why I was transferred to them, they said Citi had sold them the debt. They are not pleasant and forcefully told me I was being recored and wanted payment. This is fraud.
Product: Credit reporting

I SENT CERTIFIED LETTER IN REGARD TO IDENTITY THEFT ASKING THEM TO REMOVE THESES FRAUDULENT ACCOUNTS AND INQUIRIES IMMEDIATELY
Product: Credit reporting or other personal consumer reports

XXXX and Transunion have been unable to proivde me with verification of the debt per FCRA. 
Ive notified both agencies of the identity theft, Further there is a long term fraud alert and has been on all reporting agencies since the OPM OBM government leak of personal information. 
Ive filed an identity theft report for the items of XXXX XXXX XXXX XXXX These agencies have refused to remove the fraud from my report, At this time I have retained counsel and am sending this and the FTC report via certified mail again, These companies have 14 days to remove these items of fraud from my report or face civil damages. 
I am prepared to file suit in XXXX XXXXXXXX XXXX XXXXXX/XX/2024 should all this not be delted from my files. 
I plan on filing suit against the companies reporting the info AND the Bureau publising the infomation as both violate FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian to inform them that my personal information is incorrect and inaccurate and they refused my request to correct and update my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my most recent credit report ( XX/XX/XXXX ) shows a charge of for a company XXXX XXXX XXXX, this company has continuously been reporting incomplete, inaccurate, and unverified information on my credit report. it also shows that this company have sold my info to numerous 3rd parties. I have attempted to dispute this charge in XXXX XXXX and XXXX and no action has been taken.
Product: Money transfer, virtual currency, or money service

I filed a complaint with the FDIC, earlier in the month, XX/XX/XXXX, and have not received a reply. They claim, they forwarded the complaint to this office. the complaint is no. XXXX. The complaint was against XXXXXXXX XXXX XXXX XXXXXXXX, Florida.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Subject : Formal Complaint Against EQUIFAX for FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against EQUIFAX for its blatant violation of the Fair Credit Reporting Act ( 15 USC 611 ) by refusing to remove an inaccurate charge off account from my credit report. 
Account Information : Creditor Name : XXXX  XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/XXXX Amount : XXXX Despite providing evidence that the charge off account is incorrect, EQUIFAX has neglected its duty to conduct a proper investigation and continues to report this false information. This is a clear violation of my rights under the Fair Credit Reporting Act. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take necessary action against EQUIFAX for its non-compliance. I seek the immediate removal of this inaccurate charge off account from my credit report and appropriate penalties for EQUIFAX 's disregard for federal law. 
Thank you for your swift action in addressing this egregious violation of my consumer rights. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Mortgage

Been faxing in loan modificaiton paperwork since XXXX OF 2019 But PENNYMAC KEEPS LOOSING just one examaple! AND THERE FORECLOSURE ATTY XXXX & XXXX XXXX SAYS CALL XXXX LEFT 10 MESSAGE BEFORE NOON AND NO ONE ANSWERS!
Product: Credit reporting

I was trying to get my credit report from transunion and it did n't let me print it on my computer. so when it turned to a different page I went back to try to print it but it said error and I was n't able to print my report.
Product: Mortgage

I have asked for months and months to have the statement " Account in dispute '' removed from my credit bereau reports. My account is not in dispute and this statement is preventing me from moving forward with other aspects of my life! Years ago there was an error with my SSN, so I sent them a copy of my social security card and ID so that they could update their system. This should not have caused them to still have this statement on my report as it had NOTHING to do with my ability to pay my loan! No one speaks english and no one undersands what I need. I have received letters and emails of proof that my account is current ... .THAT IS NOT THE ISSUE!!! I need them to remove that statement IMMEDIATELY. It has been years and that is unfair to me whenI am not disputing anything. They need to report appro [ riately. Thank you for any help on this!
Product: Credit card or prepaid card

My concern is with JP Morgan Chase Bank not assisting me further with my dispute. I sent them two letters to explain that I made payments to attend a guided tour to XXXX XXXX by a reliable tour group called, XXXX XXXX XXXX, who went into insolvency on XX/XX/XXXX. My tour was rescheduled many times ( on the tour group 's suggestion ). It was last scheduled for XX/XX/XXXX. 

The bank has refused to refund multiple payments due to their time frame that has expired. There is a level of discretion in these decisions, as some of the customers have received a full refund. 

The focus of the dates of payments made in question should be reconsidered due to the unforeseen circumstances. The fact remains, there was an inability to travel due to COVID-19. I am disputing two payments made on XX/XX/XXXX for {$1400.00} total. The tour group went insolvent as of XX/XX/XXXX and that is the date that should be considered for decisions with regard to refund purposes.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 TRANSUNION ACCOUNTS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 

NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, XXXX XXXX
Product: Debt collection

To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) & ( XXXX XXXX XXXX XXXX XXXXXXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am filing this complaint because I have been reporting the unknown informations in my consumer file but I get no response. This has been multiple times that I have submitted a dispute letter yet they failed to notify me nor fix the issue.
Product: Mortgage

I received a letter from Ditech Financial LLC on approximately  XXXX   XXXX ,  2017 st ating that my mortgage payment due  XX/XX/2017    was not received . ( My mont hly payment was {$1300.00} but increased to {$1300.00} due to an increase in the impound account. ) The letter stated a total amount due of {$89.00} including late fees of {$46.00}. The amount past due was {$43.00}. The letter then stated that I could seek assistance or guidance from HUD a list of approved counseling agencies can be found at HUD.gov.     The letter then stated that I could make a payment online, visi t Ditech online  or call. The letter then stated " This communication is from a debt collector. It is an attempt to collect a debt, and any information obtained will be used for that purpose ''. Very intimidating verbiage.     NOTE : the past due amount of {$43.00} was due to an increase in the monthly payment due to an increase in taxes assessed and being paid through an impound account. The deficiency was simply due to my failure to increase the automatic monthly payment by the increase amount. I simply forgot.     I contacted the company to question the 100 % + late charge and was informed that the charges are based on the whole payment, even thou gh Ditech recei ved and processed {$1300.00} on  XXXX  -17. My   payments are set up for monthly automatic deduction from my checking account. Upon my discovery, this date, I paid via automatic payment  to Ditech the {$4 3.00}, which they will receive tomorrow  (   X/XX/17     ).      The customer service representative took my information and stated that she would have someone return my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  XXXX ... TENNESSEE XXXX XXXX XXXX ... 11 XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

I got an alert today about a collection owed to XXXX XXXX XXXX XXXX for XXXX $ it was previously owed by XXXX XXXXc a leasing agency located in XXXX. How is this posible when I live in XXXX XXXX my whole life? Ive never been to Ohio in my life. This has to be fraud.
Product: Checking or savings account

On XX/XX/XXXX I have opened Key Express Checking account in Key Bank branch ( XXXX XXXX XXXX XXXX, XXXX, ID XXXX ). I never had an account with Key Bank before. This account was opened under the documented, written award agreement, which stated : MAKE A DIRECT DEPOSIT OF AT LEAST {$500.00} AND A COMBINATION OF FIVE DEBIT CARD AND/OR BILL PAYMENTS WITHIN 60 DAYS AFTER ACCOUNT OPENING TO GET {$300.00}. DIRECT DEPOSIT TRANSACTIONS ARE LIMITED TO : PAYROLL, SOCIAL SECURITY, PENSION AND GOVERNMENT BENEFITS. Full offer text is attached. I have made 4 direct deposits of {$250.00} to my account and 5 debit transactions in the period from XX/XX/XXXX until XX/XX/XXXX, so I had to be eligible for the bonus. After getting a bonus I was going to keep my Key checking account to use debit card in XXXX XXXX, where credit card payment is not available. On XX/XX/XXXX XXXX I had made a call to Key Bank service center ( XXXX ) to check if everything fine with sign-up bonus. I was told that I am qualified, both my direct deposits and bank transactions are fine, and I just need to wait 90 days from the date of account opening. To double check and have a record in person, as I always do with banks, I later went to the local branch and asked again to verify my eligibility, and this time I was told that I am not eligible, as direct deposit was made in installments less than {$500.00}. Local branch clerks made appeal to marketing group, but marketing group of Key Bank refused the request to give me the bonus. I made several efforts to convince Key Bank support clerks and managers that it is illegal to give a vague description of the offer, and then interpret it in a free manner to deprive clients of deserved bonus. During account opening, I also did not receive a proper verbal disclosure about the account coupon terms. I made a search across Consumer Financial Protection Bureau data base and easily found a case similar to mine, also with Key bank and the same offer type : XXXX XXXX XXXX ( case # XXXX ). So, bank is obviously playing an unlawful bait and switch game of semantics with it's customers to avoid paying the bonus money. From account agreement they provided ( both written and verbally ), it does not follow that customers should make transfer of {$500.00} in one single deposit. I keep all records for the case to start a legal action in case the bonus will not be funded to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Opened XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  Opened XX/XX/XXXX, XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX, XXXX Opened XXXX XXXX, XXXX XXXX XXXX XXXX Opened XX/XX/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
Product: Credit reporting or other personal consumer reports

I am writing to dispute an entry on my credit report under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that all information provided to credit bureaus must be complete and accurate. It is critical that my credit report reflects the true status of my accounts. 

On my credit report, I noticed a report of a late payment fee on my XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, which was 60 days past due. Additionally, the account was closed as a result. I believe this information is inaccurate, as the late payment and closure were due to a misunderstanding and not representative of my usual payment history.