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

My name is XXXX XXXX XXXX. I previously provided legal documents to each of the three credit bureaus attesting and verifying this fact. XXXX XXXX XXXX. Again, I attach verifying documents as requested by XXXX XXXX XXXX, and XXXX. I do not believe the errors in my credit report by mistake. My last name is not, XXXX, but there it is listed in my personal information. I demand strict proof that my name was reported as such, contrary to the XXXX position. I have been told the credit bureaus can not honor my prior complaint/request or portion of it based on a limited amount of information. Yet these are the very same credit bureaus who have previously stated they conducted a thorough investigation of my complaints, so which is it? Each of the credit bureaus states their role in the dispute process is to review the accuracy and completeness of any disputed item to which I demand strict proof of their review, accuracy, and completeness. XXXX continues to falsely report past due payments on accounts that have been closed, written off, discharged and forgiven. I demand strict proof of their original investigation into the underlying fraud associated with the use of the XXXX cards. Ally Bank continues to report two late payments on my car payment to which I demand strict proof of these delays, lapses or delinquencies. XXXX claims they are unable to locate a credit file for one of the following reasons. If this is the case how is it that XXXX is reporting credit inquiries on my credit report, continues to fraudulently report the XXXX, Ally Bank fraudulent reporting and more. Further, why is XXXX  XXXX sending a response to my complaint when the XXXX office in XXXXXXXX Georgia has traditionally responded? XXXX XXXX continues to fraudulently report a chapter XXXX bankruptcy that was dismissed without discharge in violation of the law. How is it that CFPB can not get their enforcement act together and appropriately address these matters? I guess corruption pays the better.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my serious concerns over the recent and recurring data breaches involving XXXX and XXXX XXXX. The repeated and reckless exposure of sensitive consumer data by these companies has put countless consumers, including myself, at risk. As an agency tasked with the protection of consumer rights, the CFPB must take decisive and robust action against these entities, who appear to have demonstrated gross negligence in safeguarding consumer information. 

The XXXX XXXX breach exposed sensitive personal information, including Social Security numbers, birth dates, and addresses, affecting approximately XXXX XXXX Americans. Capital Ones XXXX data breach was equally egregious, compromising the personal data of over XXXX XXXX individuals. These companies continue to operate under weak cybersecurity protocols that are clearly insufficient to protect sensitive consumer information. This type of negligence and lack of accountability is unacceptable. 

Under 15 U.S. Code 1681c-2 ( Section 605B of the Fair Credit Reporting Act ), consumers have the right to request that credit reporting agencies block fraudulent information that arises as a result of identity theft. I am formally demanding that the CFPB : Investigate and Enforce : Conduct a thorough investigation into the security practices of XXXX and XXXX XXXX. Consumers have a right to know how their data is being managed and that the CFPB will hold these corporations accountable for their reckless data protection practices. 

Enhance Regulatory Standards : Update and strengthen cybersecurity standards for credit reporting agencies and financial institutions. Current standards are clearly insufficient to protect consumers from identity theft and fraud resulting from breaches. 

Impose Sanctions and Compensate Consumers : Issue significant penalties to these companies for each incident of data exposure and ensure that affected consumers are compensated accordingly. Any fines imposed should be substantial enough to discourage further data negligence. 

Strengthen Consumer Rights and Protections Under U.S. Code 1681c-2 : Provide more accessible and clear instructions to consumers on how to block fraudulent information on credit reports and consider expanding these protections to address instances of data exposure due to company negligence. 

Consumers deserve to feel safe and secure in their financial dealings, free from the fear of breaches due to corporate malpractice. Without swift and punitive action by the CFPB, consumers will continue to suffer while companies profit at the expense of our security and privacy. The CFPB has both the mandate and responsibility to protect consumers, and we expect nothing less than your commitment to upholding that responsibility. 

Please confirm receipt of this letter and inform me of the specific actions the CFPB will be taking in response to these critical issues. I await your immediate attention and resolution to this matter.
Product: Debt collection

I received a phone call from XXXX XXXX stating that I was going to be served at my job and arrested for an outstanding debt. I advised I could n't have personal phone calls at work and asked him to please not call again. He then called right back and got my office manager who he informed I would be served and arrested for felony theft charges tomorrow during business hours if I did not call him back within the next 30mins. Told her it was from XXXXXXXX XXXX and gave her my social and dob. Gave a number of XXXX to call back but called on a phone number of XXXX. I then clocked out from my job and went to the back where I lost time to talk to " Detective XXXX XXXX '' who had papers in his office with my ssn on them to serve me with paperwork at my job tomorrow if I did n't pay {$640.00} to them today. Said they would send papers to my employer stating fraud charges had been filed and that I passed a debit card and then closed an account. I said I never did that. I did change banks a few years ago but did n't recall owing anyone. He went on and on about how i would be arrested and he was sorry and that he could settle for XXXX today or if I would pay XXXX today then I would owe XXXX total with XXXX a month and he might could get his boss to let him file a hardship for me and take some money out of their escroe to pay part then i would only owe XXXX. I hung up. I have now attemped to call him back and it goes to voicemail and no one will return my call after i stated I had spoken to an attorney and needed a address so I could send a validation request letter to and have never received a call back. He had my office manager ready to fire me and has caused all kinds of panic. Also he stated he was from XXXX and XXXX and I have found no record of this lawfirm nor are they tied to the two numbers I provided.
Product: Debt collection

My wife had a credit card in her name with Wells Fargo Bank that I did not know about when she took it out. My wife passed away onXX/XX/XXXX Based on the credit reports, she had paid through the date of her death. I was approved by the County Probate Court as executor. I settled all debts of hers that I was aware existed which were few other than burial expenses. The County advertised for all creditors to file claims against the estate as required by law. Wells Fargo did not file any claim against the estate. They also did not notify me of the debt which would be correct since I had NO legal obligation to pay it other than through her estate and was not aware it existed. The estate closed 6 months or so after the initial filing of the will in Probate Court and the required legal notice to creditors.

A month or two after my wife died, Wells Fargo started reporting the debt as a past due obligation of mine and proceeded to trash my credit history, good name and character. I learned about this defamation when I was denied credit inXX/XX/XXXX. I contacted Wells Fargo and was informed that they would investigate. They sent a letter to the estate and stated that they would erase my name from the file after trashing me for 27 months for a debt that wasn't mine. They claim that they have made no mistake and offer nothing more. They sent the letter to the estate only and have not sent any communication to me, yet I am the aggrieved party. I called and left a message for them to call me and they have not bothered to return the call in 2 weeks. The Wells Fargo case # is XXXX.

Corrrecting their mistake by deleting me from their records is required by law and they refuse to even acknowledge that they messed up. They have not done anything to address 27 months of erroneous reporting. Their response is wholly inadequate to compensate me for attempting to destroy my credit because my wife died and they failed to do their jobs correctly and file a claim with her estate. They should not be allowed to make up false and fictitious allegations against me for their inability to handle the debts of a deceased customer and should be fined and or offer compensation beyond we'll fix our mistake after making it 27 months in a row. They wouldn't even have done that had I not filed a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Consumer/Natural Person. vou SANTANDER CONSUMER USA INC. are a debt collector identified in the Fair Debt Collection Practices Act pursuant to Title 15 USC 1692a ( 6 ). It has come to my attention and understanding that, has violated my rights pursuant to the Fair Debt Collection Practices Act ( FDCPAJ.

Pursuant to Title 15 USC 1692c ( c ), I signed a contract financing a used XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, located XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX on XX/XX/XXXX XXXX Salesman name reads House Sales Rep, Mileage reads XXXX, Serial Number XXXX, stock number XXXX, XXXX Number reads XXXX. I was over charged the financed vehicle and was not informed of my right to rescission. As the primary consumer, in order to move on with processing the purchase of the vehicle I required a co-signer with a down payment that met dealerships requirements in order to drive off the lot, which I provided. 

On the contract given to me, such expenses reads, Finance Contract {$24000.00}, Used Vehicle {$31000.00}, Ext. Warranty N/A, Sales Tax {$2800.00}, Dealers Optional Fee For Processing Application For Registration Ration And/Or Certificate Of Title, And For Securing Special Or Distinctive Plates ( If Applicable ). This Is Not A DMV Fee {$75.00} {$75.00}, Plate Fee {$270.00}, Inspection Fee {$37.00}, XXXX Required Tire Recycling Fee ( {$2.00} Per Tire ) N/A, Total Cash Price {$34000.00}, Deposit N/A, Cash On Delivery {$2000.00}, Customer Rebates N/A, Trade N/A, Pay Off Owned N/A, Total XXXX. I gave a down payment of {$2000.00} cash to cover Downpayment To XXXX XXXX XXXX and my Sales receipt titles XXXX XXXX XXXX. 

I also made monthly payments and my vehicle was repossessed on XX/XX/XXXX and sold for {$22000.00}. Santander consumer is currently billing for {$22000.00}, which is the remaining balance of the sold vehicle with no warnings prior to date repossessed. 

I dispute the ALLEGED debt and refuse to pay the ALLEGED debt. I demand per Title 15 USC 1692c ( c ) that you cease all further communication through ALL and ANY MEDIUM except for communication of remedies for consumer, the consumer and natural person, via MAIL ONLY. Pursuant to Title 15 USC 1692c ( c ) ( 2 ), I am invoking specified remedy as the original creditor and demand the following.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be updated. 

BELOW THE ACCOUNTS NEED TO BE update these has been paid. Please update it to PAID ASAP. 
XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the XXXX XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX XXXX XXXX {$760.00} {$200.00} 2XXXX XXXX XXXX XXXX {$570.00} 3, XXXX XXXX XXXXXXXX XXXX {$560.00} 4, XXXX XXXX XXXXXXXX XXXX {$140.00} 5. XXXX XXXX XXXX {$130.00} 6, XXXX XXXX 7.XXXX XXXX 8.XXXX  XXXX ( XXXX ) 9XXXX n accordance with the Fair Credit Reporting act XXXX Accounts 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: Mortgage

- Since my brother 's death, I have made 15 mortgage payments on this account totaling over {$20000.00}, but Truist Bank still refuses to apply a single penny of it to the account. 

- Truist Bank has made several empty promises to me to resolve this issue in the last 15 months, but have taken no actions to resolve this matter. The Garn-St.Germain act requires mortgage lenders to work with survivors to allow them to assume the Loan Modification which was under way when my brother died. 

- Truist Bank completely ignores their responsibilities as listed under the Federal Laws covered by the Garn-St. Germain act to assist the survivors of a deceased mortgage account holder. 

- I have even had the deed to the property retitled in my name, but still Truist Bank refuses to provide any actual assistance to me and my family. 

TRUIST Mortgage Loan # XXXX My name is XXXX XXXX. I have been appointed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland ) as the Personal Representative ( Executor ) of my deceased brother 's estate. I am also the legal next of kin as well. This VA backed loan is under his name XXXX XXXX XXXX, and he passed away on XX/XX/XXXX. I immediately contacted the bank and made them aware of his passing and that I will be taking over monthly payments. There have been 15 monthly mortgage payments made since his death. TRUIST has been in possession of the following documents since XX/XX/XXXX : -- Death Certificate -- State of Maryland Letters of Administration ( Personal Representative ) -- Homeland Security Form required by TRUIST. My brother was coming out of a forebearance plan with TRUIST and was given a Loan Modification Package which arrived after his death. I have been promised repeatedly since XX/XX/XXXX that this modification package would now be sent to me to administer as part of the estate. As of today, XX/XX/XXXX, I have not been given any control over this mortgage, even though I have often reminded TRUIST of their responsibilities under the Garn-St Germain Act, again with no response and no one assigned to work with me. Please advise what courses of action are available to me. Thanks for your assistance, and please advise if you need copies of any documents I have. XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. 
XXXX XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX   XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Product: Student loan

I am currently in the XXXX XXXX XXXX XXXX ( PSLF ) program and have payments that I made while in school that I am being told will not count as qualifying payments toward forgiveness because the lender had automatically ( without my knowledge or consent ) placed me on an in-school deferment because I went back to school. However, while in school I was still making payments on my old loans from when I first went to school, so these payments should have counted. 

Please change the XXXX program to count payments that were made during in school deferment or forbearance periods. It is unfair that 3 years of payments I have made won't be counted and this needs to be fixed as I am not the only one this is happening to.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NC, XXXX Complaint Department XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX CFPB Im writing to you to dispute certain false information that is reported in my credit file. The errors are encircled on the attached copy of the report I received.

According to Section 611 of the Fair Credit Reporting Act, I am requesting that the items indicated are reinvestigated and deleted from my report as soon as possible.Please look into this ( these ) matter ( s ) and ( delete or correct ) the unverifiable and inaccurate item ( s ). Also I'm asking for the removal of all incorrect information under section 1681 of the consumer credit reporting act for misuse of information an not verification of correct information, provided unverified information, wrongly processed, not up to date information, wrongly distributed information such as name, addresses, inquiries, collections, chargeoffs, that are inaccurate an not updated. All inaccurate information has violated my constitutional rights as a class 1 felony under federal law for defamation of character damaging my image to others causing long lasting damaging decisions for the way others see me. PLEASE FIX ERRORS AN UPDATE NEW CREDIT REPORT.

In accordance with the Fair Credit Reporting Act of 1996, please inform me when the disputed items have been deleted. Also, send an updated copy of my credit report to the below address. 

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

Traded in vehicle and the finance back was XXXX XXXX, there is over {$300.00} left on the vehicle and they updated on XX/XX/XXXX to XXXX but the car was already traded by then and it should be showing the {$300.00} amount
Product: Credit reporting or other personal consumer reports

Experian continues to report a bankruptcy that has been discharged and closed, as confirmed by official court documents ( XXXX XXXX. XXXX ). This violates the FCRA, 15 U.S.C. 1681e ( b ), for reporting inaccurate information.

Additionally, Experian has failed to conduct a reasonable investigation into my dispute, violating 15 U.S.C. 1681i ( a ). The U.S. Bankruptcy Court has confirmed that it does not verify bankruptcies for credit bureaus, meaning Experians reliance on external sources like XXXX or XXXX is legally insufficient. 

Experian has also violated 11 U.S.C. 524 by allowing accounts included in the bankruptcy to remain on my credit report, which could lead to unlawful collection attempts.
Product: Money transfers

My phone was stolen on XXXX XXXX. Before I remotely logged out of my phone, {$1000.00} of poker chips were fraudulently purchased using my phone. That evening, I called Google to inform them of the fraudulent purchases. I also called my credit card company ( XXXX ) to report the fraudulent charges. The charges were flagged as fraudulent and I was not required to pay for those charges. 
Google " suspended '' my Google Wallet account. They have confirmed by email and by phone that the only way Google will end the suspension is if I permit the back to reverse the " chargebacks '' ( i.e., I pay for {$1000.00} of fraudulent charges ). 
Without Google Wallet, I can not purchase additional storage from my Gmail account, risking my ability to communicate with an email address I have used for more than 10 years. I would also not be able to use an Android phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that XXXX XXXX XXXX be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX In acgesdance with the fair credit Resort 995 act XXXX Account XXXX XXXX XXXX, has violated ny rights. Find related content Search 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragra the term " consumer report '' does not include + any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 789 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Please remove this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my TRANSUNION credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address is XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, GA XXXX and the CORRECT Address is XXXX XXXX XXXX, XXXX XXXX GA XXXX. I am also showing an incorrect EMPLOYER of XXXX XXXX  XXXX XXXX that needs to be deleted. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.