23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am searching for help with my HELOC from Santander Bank.

I attempted to do a modification twice. Giving the rising rates and unaffordability due the a decrease in income and increase in living cost its become difficult. Santander refused to provide any help in regards to rate and term adjustments- On top of that I was told not to make my payment as they were working on it and now I owe XXXX, XXXX and XXXX. It's not right. 

They declined because my DTI was over 38 %. That makes no sense. If my DTI was low Id be able to make the payments as are. 

I spoke to them this morning and I explained my first mtg did a modification in 2021 and a second one three months ago. 

They stated that because they existed the home loan business they cant help refinance and they suggest people go to XXXX XXXX. Yet those who missed payments can refinance because of credit. In the end theyre forcing their loans into foreclosure. 

I need help as my children live here. 



Can you help? my number is XXXX.
Product: Vehicle loan or lease

I never paid this bill late. The dealer closed and they sold the debt to another bank and never let me know.
Product: Credit card or prepaid card

A FRAUD charge was made to my credit card in XXXX of XXXX for {$190.00} and was not realized until XX/XX/XXXX when viewing itemized charges online for year end accounting purposes. 

I have spent hours trying to resolve this with BOA via phone calls that generated the letters received on : XX/XX/XXXX XXXX XXXX ( XXXX ) for XX/XX/XXXX And the last was to be from the Escalation Department that never returned my call on XX/XX/XXXX. 

I am told the chip was used. Bank of America is unable to provide any sort of receipt or info on the charge. ( Would this be FRAUD? ) The last supervisor I spoke to, XXXX in Tennessee ID # XXXX said it was possible to make an unauthorized charge with a chip and she believed it would be resolved.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX XXXX, am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) against Experian Credit Bureau due to their repeated violations of the Fair Credit Reporting Act ( FCRA ) in relation to their failure to delete fraudulent accounts and inaccurate personal information on my credit report, as well as their disregard for identity theft protections and response requirements. 

Despite two formal communications dated XX/XX/year>, and XX/XX/year>, Experian has not complied with the law by failing to remove fraudulent accounts, incorrect addresses, and name variations from my credit report. I am the direct, sole correspondent regarding these disputes ; no third party represents me in this matter. 

Applicable FCRA Sections Violated : FCRA Section 605C ( 15 U.S.C. 1681c-2 ( a ) ) Mandates that fraudulent information resulting from identity theft be blocked and deleted within four ( 4 ) business days of receipt of proper documentation. Experian has exceeded this statutory timeframe, leaving fraudulent accounts active despite my repeated requests and all required documentation. 

FCRA Section 611 ( 15 U.S.C. 1681i ) Requires that consumer reporting agencies conduct a reasonable investigation and notify the consumer of the results within 30 days. Although Experian claims to have approved deletions as of XX/XX/year>, the fraudulent items remain on my report, indicating a failure to complete this process within the timeframe. 

FCRA Section 604 ( 15 U.S.C. 1681b ) Limits the furnishing of consumer reports to entities with explicit consumer authorization. I have never authorized any of the listed fraudulent accounts, and Experians reporting of unauthorized accounts violates this section. 

18 U.S.C. 1028A Provides federal protections against identity theft. XXXX failure to remove the fraudulent accounts after being notified of identity theft disregards these protections and perpetuates harm to my identity and financial reputation. 

Details of Non-Compliance : On XX/XX/year>, I spoke with an Experian representative who confirmed that my dispute had been approved and that deletions were forthcoming. However, despite this acknowledgment, all disputed items remain on my credit report, which is a serious breach of my consumer rights under the FCRA.
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 XXXX XXXX Account # 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: Credit reporting or other personal consumer reports

I have some Unauthorized inquiries appearing on my credit report I have attached supporting documentation.
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. 

Account name : # XXXX XXXX name : # XXXX has violated my rights. 
Account name : # XXXX name : # XXXX has violate my rights. 
Account name : # 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 an 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

Trans World Systems is attempting to collect an alleged unsecured debt that 's past Pennsylvania State 's debt collection statutes of limitation and violation of the FCA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted lexis nexis several times about the Bankruptcy that appears on my credit report which some company use my information to filed bankruptcy in my name that can't be vertified by the court or creditors. Also XXXX, XXXX was order by the court to dispute or deleted these items off my credit report.
Product: Debt collection

There are currently 2 accounts from this creditor for the amounts of {$180.00} & {$86.00}. 
I do not show any information differentiating the accounts, meaning one of these is a duplicate. 
Furthermore, written notification for verification of who and how this alleged debt was verified to this debt collector has been sent on the following dates : XX/XX/2022 & XX/XX/2022, with no response each time. On both occasions, a 30 day investigation period was given. This company has not been in compliance of the FCRA laws during this investigation.
Product: Mortgage

XXXX charged my mortgage company more than {$7000.00} for my homeowner insurance premium and has collected over {$14000.00} in the past 2 years regarding such. In XXXX, i was paying only XXXX XXXX yearly for this XXXX home in Nebraska. I purchased this home in XXXX for {$89000.00} at a fix rate. In XXXX during and after COVID. Currently my monthly payments have increased to {$1900.00}, nearly tripling despite the average cost for premium home insurance in Nebraska on a {$250000.00} home is less than {$2500.00} yearly. I'm now facing foreclosure because of this. 

As a result, my mortgage company XXXX XXXXXXXX XXXX XXXX has sent me a " Promissory Note '' package that partially includes the more that {$14000.00} dollars they paid XXXX for homeowner premium insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX my credit score credit report everything is incorrect.I have XXXX  sister named XXXX XXXX. We both have different social insurance number. Different credit cards different stuff. But my account has all her cards her enquires affect my score and my account.same thing with her as well she can see all my cards and enquires.which means even though we are 2people with two accounts.credit monitoring company made it all together .from now on whenever am trying get a car loan or house loan its coming my way. We both cant get to anything. I tried calling XXXX and XXXX several time did even mailed them a letter to Toronto.nothing is happening and its really frustrating.credit monitoring has to take this responsibility of making such a huge mistake its really affecting my identity
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/2020 I received an alert that an ARS Collections company put a collections on my report for {$530.00}. I do not have any debt and certainly not with any collections company. I have contacted the company for validation of this debt and they are not able to provide it. Now I have a negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from this company, for a debt that I don't owe, which is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, since they can not validate the debt, they must request that all credit reporting agencies delete the entry. This has caused my score to decrease by 40 points and with the Pandemic of COVID-19 I need my credit for business purposes which may hurt my small business.
Product: Checking or savings account

On XX/XX/2021 a settlement was accepted between myself, my home insurance company, and roof contractor which was brokered by an attorney who was representing me. 

The insurance company provided prompt payment of the settlement. The total was XXXX, XXXX to be paid to myself, and XXXX to be paid to the roof contractor. 

I took the check to my bank later that week and deposited it into my checking account. Here is the beginning of the problem. The person working the window took the check no problem and gave me a deposit receipt. 

The check was made out to three parties. Myself, the roof contractor, and my mortgage company. I was under the impression that I was to deposit the check and then pay the contractor their due amount. 

Three days later I received a notification from Regions bank that they would not release the funds for the check because all parties had not endorsed the check. I said ok and went back to the bank to retrieve the check but it had already been " sent away ''. 

Long story short I still have not been able to secure my funds. We are in a deadlock between the mortgage company and the bank. The mortgage company wants the bank to release the funds so that it may reissue the check but the bank will not release the check. That being said the mortgage company will not re-issue the check because it would be paying the amount twice. 

It has been over six months of back and forth between all parties involved and there is no resolution in sight. At the very least I seek what is owed to me, though a bit more for the hours and hours of work that I have put into this would be appreciated as well.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Reporting and Demand for Compliance To Whom It May Concern, I am formally disputing the inaccurate reporting of accounts listed on my credit report under 15 U.S.C. 1681s-2, which mandates the accurate and verifiable reporting of consumer information. 
The accounts in question : Account Name : XXXX XXXX  Account NumberXXXX Date Listed : XXXXXXXX XXXX XXXX  These accounts are erroneously reporting a balance despite being charged off. If these debts were truly written off, continued reporting of a balance is both inaccurate and misleading, violating the Fair Credit Reporting Act ( FCRA ).

Additionally, under IRS guidelines ( 26 U.S.C. 6050P ), a creditor that cancels a debt exceeding {$600.00} is required to issue a 1099-C form to the borrower and report the cancellation to the IRS. I have not received a 1099-C form for either account, raising concerns about the creditors ' compliance with federal tax laws. Failure to issue a 1099-C form may constitute non-compliance, which I have the right to report to the IRS.

I formally demand the following actions : Provision of the 1099-C Form If these debts were charged off or written off, provide copies of the 1099-C forms for my records.

Verification of the Balance Provide documented proof of the current and accurate balance, along with records of any collection activity. 

Permanent Deletion of the Accounts If the debts have been canceled, unverified, or inaccurately reported, I demand immediate removal from my credit report under 15 U.S.C. 1681i ( a ) ( 5 ) of the FCRA.

Failure to comply within 30 days will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Internal Revenue Service ( IRS ) for potential violations of the FCRA ( 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and IRS tax reporting requirements.

This matter requires immediate resolution. Please respond promptly to avoid further regulatory scrutiny. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent {$1500.00} to my brothers business Venmo for him to cut my dying trees down/landscaping. Venmo suspected fraud and froze his account and my ability to use that banking information. They verified me, they verified him but still said they could hold the funds for 180 days. They will not tell us why, we tried to request a reversal/refund and they wouldn't allow it, they refused to let us speak to a supervisor. He has no money for materials now and I am out of a service and the trees are dead and could hurt my family. I attempted as well as my brother to resolve it and we just keep getting ignored/hung up on/told there is nothing they can do. I didn't get my service, he didn't get theo ey I sent him, he's being blocked from using it and even reversing/refund it. They will not say why this is happening and they won't even let us process a dispute. When we ask for a supervisor we are disconnected or told there isn't XXXX. This is infuriating. Not only is he out of {$1500.00} which is all the money he had, but I am out of {$1500.00} because I paid it to him and My service isn't completed which is extremely dangerous as the tree could fall on my home with my children in it or on my neighbors home. Venmo says there's nothing they can do and " we agreed " in the terms and agreements that they can keep it up to 180. This is unacceptable. They are doing this to so many ppl. Venmo is scamming many people, it's all over XXXX and XXXX and public sites. Please look into this ASAP. Thank you Hold money 180 day
Product: Money transfer, virtual currency, or money service

I saw an apartment for rent on XXXX and responded to the ad. I was told to secure the apartment I needed to pay 1 month deposit, 1st month rent and that it was refundable if I saw the condo and didn't like it. Then I was told I couldn't see it unless I paid the 2nd month rent, so I paid that. Then I was told I couldn't see the apartment without paying a {$600.00} utility deposit. I refused and they said they would refund my money. I contacted the property manager numerous times and he kept making excuses why I haven't received my refund. I told him I was going to take legal action and continued emailing him to follow up. Then the emails started bouncing back because he canceled his email account.
Product: Prepaid card

Deposited funds on XXXX XXXX.  App say I could access at latest XXXX XXXX.  Still cannot access.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow-up to a complaint filed in XXXXXXXX XXXX Case Number : XXXX ) for Loan No. : XXXX. Although XXXXXXXX XXXX did respond by recapturing the steps in this case from XXXX through XX/XX/2022, when the loan modification was finally approved, the letter did not discuss what steps, if any, would be taken to remove the delinquent information from my credit report. The attached documentation discusses the reasons why I believe the negative reporting was totally unjustified, as I was told that customers would not be penalized pending a loan modification, and to continue making the monthly payments. I also received letters stating only the balloon payment will be accepted. 
Not one delinquency letter stated I had to make the balloon payment in the amount of {$85000.00} or this loan would be considered delinquent. It was stated in the XX/XX/XXXX letter that the total amount would be due on XX/XX/XXXX unless alternative arrangements had been made -- which I did by applying for a loan modification. The foreclosure letter dated XX/XX/XXXX, stated I needed to send {$1500.00} to cover XXXX and XXXX 's payment by XX/XX/2022, to prevent foreclosure. Yet, my credit reports show I'm 120 days late paying this account for a total amount of {$3100.00} which represents {$770.00} for XXXX, XXXX, XXXX and XXXX -- -- -payments they did not accept. Why I should I be penalized for monthly payments I consistently tried to pay, but they could not accept? I was probably one of their best customers -- -never over 30 days late in 15 years. Why should they be allowed to ruin my credit when I complied with every request in a timely fashion. Unfortunately, it took almost 6 months for XXXX to receive a 3rd party valuation, that I even offered to get and pay for, but of course that was not allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to Equifax, the company XXXX has validated inaccurate information on my credit file even after sending me documents stating the opposite. Either Equifax is reporting inaccurate information on my credit file knowingly and misrepresenting XXXX as the source of information/verification or XXXX has XXXX me. I have contacted both of these companies and tried to resolve this matter. XXXX has been very cooperative and responsive to me but the other not so much.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I asked that this dispute be re investigation by Experian and the following violations be address XXXX XXXX violation 15 U.S. Code 1692g validation of debts. Consumer request copy of sign credit card agreement to this debt. XXXX  XXXX violation 15 U.S.C. code 1601 failed to provide Truth and Lending Act to consumers. Experian violated Fair credit reporting Act failure to provide consumer with information stated how they verify this debt. On XX/XX/XXXX Experian stated in response verified however none of the violations are address by XXXX XXXX  and know validate of debt provided to this consumer. Experian stated per our phone called on XX/XX/XXXX it the consumer responsible to obtain the validation documentation from the original creditor. XXXX XXXXXXXX has failed to submit any documentation or validation this debt and Experian has allow this original creditor violation the law. Consumer request re investigation and the following document submit with 30 day from the original creditor or deleted from from credit report.
Product: Debt collection

I have no knowledge of this account I was XXXX at the time Amy of thes debts where created I have no knowledge of the debt nor am I responsible
Product: Credit reporting or other personal consumer reports

I appreciate it that a lot of fraudulent items were removed. However checking my updated credit reports that I purchased through XXXX, I found that there were new unknown items that appeared in my credit reports, I saw that there were still a couple few items that I previously disputed that still needed to be removed in my credit reports. To hasten the process of removing these items, I listed them per bureau for you : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX =*=EQUIFAX 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: Debt collection

I consumer XXXX XXXX never contracted in any transaction with PROCOLLECT INC yet they are harassing me about a debt. They have committing multiple violations against me. Ive invoiced them regarding the violations against me via sworn AFFIDAVIT. They have caused injuries to me with there erroneous claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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

My complaint are more so directed at XXXXXXXXEQXXXX for reporting information that does dot belong to me. I have recently sent my FTC Identity Theft Report along with Affidavit directly to credit bureau 's regarding my credit reports. I will upload information pertaining to my complaint prior to submission.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 CANNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.