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

I sent an Federal Trade Commission identity theft affidavit to Santander Consumer USA in regards to a fraudulent account. The promissory note held by Santander was not signed by me and was not proven to be signed by me. Reporting accounts after receiving proof the account is fraudulent is a violation of 15 USC 1681-c2 ( a ). Santander Consumer USA is also in violation of of 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of anycommunicationeffected by the mails or telegram that indicates that thedebtcollector is in thedebtcollection business or that thecommunicationrelates to the collection of adebt ; by the letter that was sent to me account number XXXX
Product: Money transfers

XXXX scheme. 
Perpitrator sends via USPS a fradulent cashier 's check and then asks you to wire a portion of the check via Western Union to the " movers '' who will come and pick up the furniture. Once the money is wired the cashier 's check is cancelled and you are now out the money that has been wired via Western Union.
Product: Credit reporting or other personal consumer reports

I have tried amicably to resolve matter with Credit reporting agency Experian in regards to false/inaccurate misleading information on my file. The following account XXXX XXXX XXXX VT # XXXX shows a XXXX balance closed written off sold to a company XXXX XXXX XXXX status change after filing dispute in the past, I contacted original source XXXX XXXX and ask for documentation displaying my signature showing I ever done business with them. They have not complied/responded. XXXX XXXX XXXXXXXX XXXX # XXXX same issue as well. XXXX XXXX # XXXX shows a balance of XXXX and does not show original credit limit for the amount owed/balance.The fair credit reporting acts requires that 100 % true and accurate information can only be reported on a credit file. XXXXXXXX XXXX # XXXX has reached the 7 year stature of limitation allowed to be reported on my file XX/XX/XXXX was the date of derogatory. I receive letter in the mail from Experian XX/XX/XXXX stating they did not believe the dispute was from me so they would not take action. However, I included my id and utility statement as well. I am outraged over how Experian has been handling my credit file. So i decided to get some outside help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my consumer report and noticed an unauthorized collection account reported on my consumer profile. I have sent notices to the company requesting them to remove the reported account, while also informing them they do not have consent/ permissible purpose. They have totally disregarded my request and continue to violate my consumer rights.
Product: Debt collection

Acima took XXXX off my card without my consent I never authorized this transaction what happened was a person use my card to pay a deposit on a new bedroom set but this was not me I never had a contract with Acima so when I called they claimed that the payment didn't even post that's why they was calling me harassing me everyday but on my bank transaction it is there clear as day so this has really mess my month up I can't even pay for a bill due to the money that should have never been tooking in first place all they did was apologize no I want a refund I don't have any obligations or contacts with Acima plus this is a SSI payment from the government which is non garnishable so not only did you commit a crime you continue to constantly call and harass me over a debt that I don't even owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX to have them provide accurate details about a collection account a few months back. Nothing was updated. I recently pulled a copy of my credit report and noticed that the original creditor and the collection agency are both listed on my credit report. This is considered double dipping into my credit causing it to lower my credit score. One of the accounts needs to be removed on my credit either the original creditor or the collection agency. XXXX has several collection accounts on my credit report along with the original credit account and my credit score has been hit because of this.
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE ANY OF THIS INQUIRIES 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We have an issue with the mortgage attached for the loan under XXXX for over a XXXX dollars. The property was purchased in the business name as we do with all our properties since we have been in business and XXXX XXXX stands as guaranto. We have almost XXXX properties like this. XXXX stands as guarantor so it is therefore not reported on his credit. We refinanced this in XX/XX/2021 and it was just that. Now comes XXXX we are realizing they started reporting it on XXXX 's personal Credit, so that's a XXXX dollar loan with a {$7000.00} plus mortgage weighing his credit down which will obviously affect his XXXX and affect him getting other loans and has affected him getting several loans We have tried tirelessly to get it corrected with the mortgage company and The mortgage company is telling us that the investor has chosen to now report on both business and personal credit and only the investor can change that. I need to get it changed back to my original agreement of being reported on my business credit and not personal. I have almost XXXX properties and they are in the company 's name. He is the guarantor and they are not being reported on my credit report which is the whole reason for being in the company name. 

He is locked into a XXXX  year prepay and now he's also being screwed over as well by getting it placed on his personal credit. 

XXXX is not the borrower, the borrower is XXXX XXXX XXXX XXXX XXXX. XXXX is only guaranteeing the loan. That is not what we agreed to. We would never do business with anyone putting our business loans on our credit report. It is a breach of our agreement. It is a business loan. We need this to be removed from his personal credit. 

We have the original paperwork signed and attached. We also have other loans with the same lender purchased the same way which are not on our personal credit.
Product: Student loan

Every year, FedLoan Servicing requires loan participants to submit an employment certification form. My HR representative completed and signed the form, as she has in the past. I received an email notification from FedLoan Servicing directing me to go to their website to login to receive communication from them. When I logged in, there was a message that they could not certify my employment because I did not include an end date for my employment, The other reason was that my form was not signed. Both reasons are false. 
On the form, the HR representative put a check in the box that I am still employed. The HR representative signed and dated the form. When I called FedLoan Servicing this morning, their representative, who identified herself by a rapidly read number, not a name, told me that the reason the form was denied was that the " XXXX '' on the date was altered and that if any changes are made to information on the form, it must be initialed by the person making the change. I explained to the person that the HR representative only darkened the XXXX in 2017. I also explained that there is nothing on their website that indicates that if a person makes changes to the form that it has to be initialed by the person making the change. If the person who makes changes to a form has to initial the change, why is n't this information listed on the website so loan participants would be aware?
Product: Mortgage

Every two weeks since XX/XX/2020 I have received a text message from RP Funding asking me to call or text their office to learn more about their mortgage products. I requested that they stop texting me on XX/XX/2020 ; XX/XX/2020 ; and XX/XX/2020, and also told them that I would report any additional unwanted texts to the FTC on XX/XX/2020. However, RP Funding will not stop contacting me regarding a mortgage application. 

For what it's worth, I purchased a house in XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given EQUIFAX permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, EQUIFAX are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX XXXX XXXX XXXX. 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX XXXX for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have been trying to resolve an incorrect late payment issue with Select Portfolio Servicing for several months but have been unsuccessful. 

When our loan modification was transferred from XXXX to SPS, SPS sent us a Trial Modification Plan to make payments for the months of XXXX, XXXX, and XXXX XXXX. Our payments for these 3 months were sent as the requested cashier 's checks. We did not receive any notification from SPS that the payments were not received, even though the cashier 's checks were cashed by the company. 

When checking our credit report, SPS had submitted incorrect information to the credit bureaus that we had not submitted payment for the months of XXXX, XXXX, and XXXX XXXX as well as for XXXX XXXX, which was not a month listed on the Trial Modification Plan. In addition, our loan modification with SPS began in XXXX, not XXXX. 

We sent a letter to SPS on XXXX XXXX, XXXX notifying them of an inaccurate claim sent to CRAs about the 3 late payments in XXXX, XXXX, and XXXX of XXXX. The letter was sent along with copies of the checks that were sent and have been cashed by SPS for each month 's payment. 

We received a letter from Select Portfolio Servicing on XXXX XXXX, XXXX indicating that within 60 days SPS will update the inaccurate 3 late payments claim with the CRAs. We received our credit report from XXXX on XXXX XXXX, XXXX and it 's still showing the 3 late payments for the month of XXXX, XXXX, and XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX, XXXX XXXX
Product: Credit card

I had made a non interest purchase for materials if paid in 6 months, company didn't put payments to promotional purchase, tried to have it fixed, they were not accommodating at all, made additional payments to be applied to purchase, and got charged over {$90.00} in interest even after being told I would not be Also effected payments to other cards that I have balance with, because I made over XXXX in payments to this card in past 6 months to not pay interest
Product: Credit reporting or other personal consumer reports

I noticed some unauthorized inquires on my report and they are listed below. 

XXXX XXXX XXXX XX/XX/2024 SYNCB - XX/XX/2024
Product: Credit reporting or other personal consumer reports

I am writing as a consumer to exercise my rights under 15 U.S.C. 6802, 12 CFR 1016.7, and 16 CFR 313.7. This correspondence serves as my formal request for EXPERIAN to show proof of the three ( 3 ) disclosures that are required to be provided to me as a consumer, pursuant to the previously stated statutes and regulations that gives my permission to report information to my consumer report. Upon EXPERIANs inability to show proof of disclosures, I request to : Revoke any and all permissions I MAY have given EXPERIAN verbally, non-verbally, written, non-written, electronically, or non-electronically. I formally choose to OPT OUT of reporting the following accounts to my consumer report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As per the aforementioned laws and regulations, I expect EXPERIAN to : 1. Immediately cease reporting the above mentioned accounts to my consumer report.

2. Terminate all information sharing about the above mentioned accounts with nonaffiliated third parties.

3. Inform me of the specific procedures you have in place to honor consumer opt-out requests, as required by 12 CFR 1016.7 ( a ) ( 1 ) ( iii ).

4. Comply with this opt-out request as soon as reasonably practicable, as mandated by 12 CFR 1016.7 ( g ). I expect written confirmation of compliance with this request within 15 business days.
Product: Debt collection

This account was originally created for a cell phone with XXXX. The XXXX network did not work in my house. Because fo this, the phone was returned 1 or 2 weeks later, and this account was paid off and closed. 

This account was paid off and closed within 1 or 2 weeks of being opened. I never used this XXXX account ( or any other XXXX account ) or the phone after this time. I switched to a different cellular provider that had service in my house. 

This account was paid off and closed, nearly 10 years went by before XXXX made any claim of an " outstanding debt ''. I do not owe XXXX any money. I closed and paid off this account within 1 or 2 weeks of opening it.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX Reporting Unauthorized Credit Inquiry To whom this XXXX concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX credit report. My latest credit report shows credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 

COMPANY DATE CREDIT BUREAU XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX JPMCB CARD XX/XX/XXXX XXXX JPMCB CARD XX/XX/XXXX XXXX JPMCB CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. 

I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 

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

In accordance with the Fair Credit Reporting Act By Law Everything has to be 100 % accurate on my credit report 15 USC 1681e ( b ) Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Name : USDOEXXXX  Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Experian stated my accounts was properly investigated but how is that possible if the report date is inaccurate, the date last active is inaccurate and date open is inaccurate ( see attachments ). This ground for removal. They also violated my rights under : 15 USC 1681 Section 602A. States I have the right to privacy 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Recently while conducting a monitor of my credit report I discovered that Rossman & COhas furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Rossman & CO but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX Hospital to release my child 's medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than, is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputes were sent on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to dispute letter was sent to Equifax for a fraudulent inquiry by XXXX XXXX XXXX. The letters included a listing of the inquiries that were the result of the identity theft, a copy of a driver 's license, social security, utility bill, identity theft police report, and a notarized FTC ID Theft Victim 's Complaint and Affidavit. The fraudulent hard inquiries remain on the credit report.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC, XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX Subject : **Dispute Regarding Civil Liability for Negligence and Non-Compliance under FCRA 1681O** To Whom it May Concern, I hope this letter finds you well. I am writing to formally dispute certain actions and to notify you of a matter of civil liability for negligence and non-compliance under Section 1681O of the **Fair Credit Reporting Act ( FCRA ) **, regarding your failure to comply with the required regulations for handling consumer information. 

Specifically, I believe that your company has violated the FCRA in the following ways : 1. **Negligence in Investigating Discrepancies** Despite my previous attempts to notify you of inaccuracies in the information reported on my consumer report, there has been no prompt investigation or resolution, violating the guidelines established under FCRA Section 1681i . This constitutes negligence in failing to perform a reasonable investigation as required by law. 

2. **Failure to Provide Adequate Notifications** As per the regulations under FCRA, I am entitled to receive a notice of the results of any investigation into disputed information. To date, I have not received any formal communication indicating that an investigation was conducted, nor have I received any updates on the status of my dispute.

3. **Non-Compliance with Reporting Requirements** Under FCRA Section 1681O, your company is obligated to ensure compliance with consumer protection standards when managing and reporting consumer information. The failure to address and correct the disputed data could be viewed as a violation of these statutory obligations, exposing your company to liability for any damages that I may have incurred as a result of such non-compliance. 

Given these violations, I request that you : - Promptly initiate a thorough investigation of the disputed information in accordance with FCRA guidelines. 
- Provide me with a written response detailing the results of the investigation within the statutory timeframe. 
- Correct any inaccuracies in my consumer report as soon as possible. 
- Cease any further negligence or non-compliance to prevent further potential legal liabilities. 

Below are the accounts in dispute : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please take this matter seriously, as failure to comply with the statutory requirements may expose your company to civil liability for damages under Section 1681O of the FCRA. 

Thank you for your immediate attention to this matter. I look forward to your prompt and thorough response. 

Sincerely, XXXX XXXX
Product: Mortgage

A few months ago, I noticed that my current mortgage company, Carrington Mortgage Services LLC, tried to deduct funds from the wrong account ( savings instead of checking ). As soon as I found this, I tried to contact them multiple times to correct this error. They refuse to respond to my E-mails or return my calls. I 've made every attempt to resolve these issues with them but they refuse contact me or work with me in any way. My online payment option has been disabled and they wo n't accept any form of digital payment ( over the phone or otherwise ). Currently, they are forcing me to send them cashiers checks via mail. This is a big problem for me since I have a job in which I may be away from home ( and my bank ) for several weeks at a time. I recently tried to refinance my mortgage through another company to get away from them. However, they reported that I made my payments late to the credit bureau and I was n't able to get my loan approved ( all delays were caused by the mortgage company ). I have copies of my past E-mails where I attempted to contact them and bank statements showing that I 've always had more than sufficient funds to make my payments.
Product: Money transfer, virtual currency, or money service

I opened an account with Coinbase a US company and purchased a digital currency called XXXX and XXXX, I am a XXXX based Citizen and Resident. I viewed my account whilst travelling with my employer an international Airline to a country ( XXXX ) where I was staying for. Few hours at the Airport hotel. Then suddenly and without warning Coinbase froze my account and funds. I did not make any transactions just viewed the value of my account as one would with any other financial foreign exchange account. I have sent ID such as bank and passport details and have contacted Coinbase on many many occasions with just a computer standard response, please advise as there actions are very questionable.