23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mortgage lender, Santander, has suspiciously misapplied my XXXX and XXXX mortgage payments to an account unknown to me, therein causing a delinquency, additional charges/fees, harrassing phone calls and credit reporting that has negatively affected other facets of my life, health and credit. XXXX amount {$1100.00}. XXXX amount {$1100.00} Actions taken by me : since XX/XX/2021 when this error became known to me, I have had telephone communication with Santander mortgage company employees who confirmed the error and that they would correct it, but did not. In person meeting with Santander bank manager again confirmed the error, saying that its just one number off ( which is also incorrect ), but that she is unable to make the correction. I asked to communicate directly with Santander Mortgage Division and was told that was only possible if I actually visited the facility located in XXXX PA. Another in person visit, the Santander Bank Manager directed me to a different individual, a mortgage officer, who also said he was unable to help me but would sell me a new mortgage. This mortgage officer said that he would pass this information on to someone else in the mortgage division. To date, this bank error continues with no correction to my account or restitution for the financial and emotional affects on my life. I'm now looking to legal counsel for a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is  XXXX   XXXX   XXXX  and I live at    XXXX   XXXX   XXXX   XXXX   XXXX   Del  XXXX  and I work at  XXXX  and my phone number is  XXXX . Everything else that is reporting on my credit reports are inaccurate/incorrect.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against EXPERIAN for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Credit card or prepaid card

I applied for a XXXX credit card to use for the purpose of purchasing supplies and products for my salon. Business purposes. 

I have applied on two different occasions, and both time was denied. The reason I get is that I have had previous negative history with the company. 

I have requested specific negative actions to be disclosed to me. I keep getting the same answer with absolutely no specific answer other than previous negative history with them. 

My credit report shows no late payments, or negative remarks. I have two other credit accounts with the same company, which also has absolutely no negative actions. 

I only want to know what negative history they are showing to deny my credit application. Maybe my credit has been compromised? Although there is nothing out of the ordinary in either of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, Original Creditor # XXXX has violated my rights.15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 ; It also states that a consumer reporting agency can not finish an account without my written instructions 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. I demand that these accounts be permanently deleted from my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$280.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$140.00} ; XXXX XXXX ( XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXXXXXX : {$770.00} ; XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX  OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; OXXXX XXXX XXXX ( Original Creditor : XXXX XXXX FL XXXX XXXX ) XXXX XXXX XXXX {$440.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I want to receive pre-approved offers for credit cards from Destiny XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Mail XXXX XXXX email. Full XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reported on my Credit Report : XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$630.00} ; XXXX XXXX XXXX Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit card or prepaid card

I received a card in the mail from Cash App on XX/XX/22. I never opened an account. I tried to contact them, but it is an automated line that says it will call you back. I received a call back and they requested I provide my email address so they could send me information on how to close the account. I did not want to provide any information to them. They would not help me close the account and hung up on me. 

I later received an automated voicemail that said a former employee downloaded cash app investing reports. It went on to say there was no personally identifiable info on those reports. 

I XXXX Cash App and apparently this is a typical scam. Please see the article below or you can XXXX " cash app card in mail scam '' and you will see similar articles. 

XXXX XXXX XXXX  Can you please help resolve this? They should also be held accountable for this scam and have an easier way to close this issue out. 

The company contact info is shown as follows : Customer Service XXXX Cash App XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

I entered into an agreement to pay Credit Corp Solutions {$2000.00} to fully and completely discharge a debt of {$2700.00} owed to XXXX credit. The agreement is dated XX/XX/2022. {$2000.00} was taken from my checking account by Credit Corp Solutions on XX/XX/2022. That amount was reported to XXXX on XX/XX/2022. However, Credit Corp Solutions, operating under a different name, purchased or re-reported the {$690.00} difference I did not pay in my settlement and has left it on my credit reports. This is clearly an attempt by Credit Corp Solutions to circumvent law and illegally attempt to collect a debt that was legally fully paid through a legally binding agreement by acting as a different company and using the credit rating system as a way to hold consumers hostage. I refuse to pay the {$690.00} and I want it removed from my credit reports immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  I am writing to file a complaint regarding the validation of a debt on my consumer credit report. I've received several calls which I've requested several times to be removed from the call list. This company calls and requests information about me without even validating who they are or what they are calling about. Despite multiple attempts to seek proof of validation, your company has failed to provide any evidence regarding a debt that does not belong to me. Furthermore, you have furnished this alleged debt on my consumer report and failed to validate the claim pursuant to Sec. 809 ( b ) of the Fair Debt Collection Practices Act. As a consumer, I have a right to privacy and protection from inaccurate reporting on my credit report. Your company 's actions have not only violated my right to privacy but also the permissible purpose of providing accurate information to consumer reporting agencies. According to 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand that these items be removed from my credit report immediately as it is furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, reputation, general mode of living, and my ability to obtain credit for personal and house purposes. Your inaccurate reporting has also damaged my livelihood. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, furnishers have a duty to provide accurate information. 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. I respectfully request that your offices provide me with your purchase agreement for this debt and any competent evidence that I have any legal obligation to pay you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  : I'm dealing with an XXXX XXXX account that was charged off in XX/XX/XXXXand sold to a collection company : XXXX in XX/XX/XXXX. There's a Field on my XXXX  credit call : Delinquency First Reported. This date has been re-aged several times, last in XX/XX/XXXX which had a major effect on my credit score. This continued re-aging make it appears as a new derogatory which dropped my score. 
Transunion shows a payment history and XX/XX/XXXXdo not show a payment history. Transunion report shows I made my last payment on XX/XX/XXXX but my payment history shows my last payment to be on XX/XX/XXXX. XXXX report that this account is reporting accurately when its not.
Product: Credit card

chase bank # XXXX was closed around XX/XX/2023. At the grantor request. However the bank wait a year to charge this account off which lead to a year of late payments and interest charges. I was recently fail into a financial crisis and informed chase about the hardship and didn't receive any resources from the bank.
Product: Student loan

I am in the process of paying off my student loans. I went to setup an auto deduction for loan with AESSuccess and I was prompted that I could not setup an auto debit of more than {$1000.00} more than my minimum monthly payment. I wanted to pay an extra XXXX so I could pay it off by XX/XX/XXXX. I find not being able to pay as much as I want over the monthly minimum very disturbing as now I have to make two payments and they get to accrue more interest.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 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 or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamtion of character ). XXXX XXXX XXXX XXXX. {$2600.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On XXXX XXXX, XXXX I filed a complaint about the following reports being inaccurate : XXXX XXXX - date of report : XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  - date of XXXX and XX/XX/XXXX. 
I asked for these to be removed from my report and I have not heard anything about this matter.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I noticed some UNAUTHORIZED HARD INQUIRIES.Equifax and other credit reporting agencies are obligated by the FCRA to report accurate accounting. I the consumer have advised ALL the inquiries reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer. Consumer is now requesting XXXX to provide the documentation used to determine inquiry was authorized by the consumer. XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for e-oscar report. If XXXX does not have documentation to show these were in fact authorized it must be removed ASAP. SAID company is liable under SEC to follow certain rules. XXXX Communication file number is 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. I will be filling XXXX treasury omb forms to audit my consumers account. XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. Please remove items listed below. 15 USC 1581 PERMISSABLE PURPOSES.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card debt was already settled with Capital One bank since XXXX of XXXX. However, it continues to negatively harm my credit score as " negative '' each and every month. ( See attachment below ).

In spite of me sending a request for disclosure pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997, and pursuant to section 609 of the Fair Credit Reporting Act, XXXX refuses to remove/delete it from my report.
Product: Mortgage

I filed bankruptcy in XXXX XXXX. I often check my bankruptcy summary to make sure all payments are being applied. I recently noticed that Citimortgage placed an arrearage in my bankruptcy for the amount of XXXX. I called to check the situation and was told that I owe for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for which I have bank statements where I paid for the months mentioned above. I also received a statement that states I am to receive a surplus check in the amount of XXXX, that I will not receive because all my payments have not been met. As mentioned above, I have bank receipts for the months mentioned above with the exception of XX/XX/XXXX. I have corresponded with XXXX XXXX XXXX who has only responded to one of my emails.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I am submitting this complaint without any influence from any party or agency. Please see attachments/ attached documents and ID as it contains my full complaint and request.
Product: Debt collection

I greatly apologize but I do not recall ever seeing this doctor. Nor receiving any medical treatment from him. I do not recognize the payment being ask for nor what constitutes a {$300.00} bill.
Product: Checking or savings account

On XX/XX/year>, I received notice from an identity monitoring agency ( XXXX for XXXX ) that I had an alert that an account was opened with my personal information. I contacted XXXX and was told to reach out to Citibank. I was never able to reach a live person and became stuck in a phone tree because I could not provide an account number. I had not consented to opening an account. I contacted Citibank through XXXX and was provided a phone with Citibank 's Application Department. This Department only handled credit cards and could not help me with a debit card nor could provide me a phone number where to call. 
On XX/XX/year>, I received a Pin Number, but the correspondence did not indicate for which bank. On XX/XX/year> I received a debit card from Citibank but I did not consent to open this account with my personal information. I repeatedly called Citibank to report the issue but could not get out of its phone tree. I finally got through to a live person ( XXXX ) on XX/XX/year> at XXXX a.m., who found out that there is an Open Case with the Security Department ; however, no additional information was provided to me because they could not verify my identity!!! I was provided no reference number, how long the review would take. I'm just supposed to wait for a determination - no questions asked? This is nuts!
Product: Debt collection

I was a client of XXXX XXXX XXXX, and they had a data breach this year. Now I'm receiving several fraud alerts and they crashed my credit score. I already disputed several with the credit cbompanies successfully and took further actions, but some how they find ways to add the collection. This time it's the company LVNV Funding LLC in South Carolina, the original creator is XXXX XXXX XXXX in Texas. 
I attached 3 images.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Remove the fraud alert from XXXX, Equifax, XXXX immediately annul all inaccurate information on my consumer report.s. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 
I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 
Also, my current address is XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX is not accurate and should be removed immediately. 
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. 
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate! 
I look forward to your written response confirming your compliance on this matter as well as an updated credit report. 
Sincerely, XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 Hard Inquiries on my EXPERIAN credit report that I do not recognize, I had send multiples certify disputes letters to Experian to remove these hard inquiries from my report and they never contact me back about this. Also I call them true their Fraud department to try to fix this and they treath me very rude. 

I have an extended fraud alert on my report and Experian knows this very well. 
I request that Experian delete these below mention hard Inquiries from my report as soon as posible. 

* XXXX XXXX /  XX/XX/XXXX * XXXX XXXX  XXXX / XX/XX/XXXX XXXX XXXX XXXX XXXX / XX/XX/XXXX * XXXX XXXX /  XX/XX/XXXX IF IN 30 DAYS EXPERIAN HAVE NOT DELETED THESE 4 INQUIRIES I WILL FOLLOW WITH A LAWSUIT AGAINST EXPERIAN IN A SMALL CLAIM COURT IN MY DISTRICT.
Product: Debt collection

I received a mail from Credit Collection Services and its regarding from Progressive but I do not use progressive so I do not understand why Im receiving the notice and it doe not give me enough information of the incident