23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this formal complaint and dispute regarding fraudulent and illegal reporting on my XXXX ( XXXX ) credit report. I am a victim of identity theft, and the following accounts were opened without my knowledge or authorization. 

Additionally, I am filing a complaint against Santander Consumer USA, XXXX XXXX, and XXXX XXXX for illegally re-aging and repeatedly charging off these accounts, thereby resetting the XXXX reporting period. This practice is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Legal Grounds : Section 605B ( 15 U.S.C. 1681c-2 ) Requires the blocking of fraudulent accounts within 4 days.

15 U.S.C. 1681i Mandates a reinvestigation of disputed accounts.

15 U.S.C. 1681n Holds reporting agencies and creditors liable for willful non-compliance, including punitive damages.

15 U.S.C. 1692 Prohibits unfair practices, including re-aging debts to manipulate credit reporting timelines. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$13000.00} Violation : Re-aging and repeated charge-offs, resetting the XXXX reporting timeline illegally. 
XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} Violation : Re-aging and repeated charge-offs, violating the FCRA. 
XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} Violation : Re-aging and repeated charge-offs, manipulating the credit reporting period. 

Violations and Demands : XXXX ( EXPN ) is illegally reporting negative information from fraudulent accounts, which violates the FCRA. This is especially concerning given Experians ongoing legal challenges for inaccurate credit reporting practices. 
XXXXSantander Consumer USA XXXX XXXX XXXX XXXX and XXXX XXXX are manipulating charge-off dates and re-aging accounts to unlawfully extend the 7-year reporting limit, violating 15 U.S.C. 1681c.

3.Under Section 605B, I demand the immediate removal of all fraudulent accounts within 4 days.

4.Under 15 U.S.C. 1681i, I request a full reinvestigation of each disputed account due to fraud and inaccuracies.

5.Under 15 U.S.C. 1681n, I am notifying all parties involved that continued non-compliance will result in legal action, including claims for statutory and punitive damages.

Cease and Desist Notice : Under 15 U.S.C. 1692, I am issuing a Cease and Desist notice to Santander Consumer USA, XXXX XXXX, and XXXX XXXX. All communication and collection efforts regarding these fraudulent accounts must cease immediately. Any continued contact will be considered harassment and a direct violation of the FDCPA. 

Federal Trade Commission ( FTC ) Report : This dispute is supported by an official Identity Theft Report filed with the FTC, which provides legal proof of fraud under Section 605B. This report is enclosed for your review and further validates the necessity for immediate removal of these fraudulent accounts.
Product: Vehicle loan or lease

This complaint is against Lexus Financial who is financing my car loan. First lets start with the high interest rate I was given 14.9 % which later this high interest rate was part of a class action lawsuit. I paid this loan for six years in good standing and my credit report shows this ... I paid down to the last payment which was the maturity payment a big ballon payment deriving from high interest and deferred payment. Now thru this pandemic I was not given any special help due to the pandemic. I was furlough in XX/XX/XXXX and was laid off in XX/XX/XXXX due to the pandemic so I was told this maturity amount of {$4000.00} was due by XX/XX/XXXX. I was told I could pay this out and dont have to worry about paying all this off by the due date as long as I continue to pay every month. I was not told that each month I carry this balance this would be reported to the credit bureau and would affect my credit. I spoke to an executive in the CEO office and was told that the Rep I spoke to stated they would coach that individual because the representative fail to provide me with all the necessary information I needed that I could have had a different outcome. Now due to the negative reporting to my credit it has placed an unpreventable financial hardship during this pandemic. This egregious treatment from Lexus also violated my consumer rights under FCRA surrounding the accuracy and fairness of what is being reported to the consumer credit agencies by Lexus Financial.
Product: Checking or savings account

In XXXX and now XXXX and months prior the ATMs at both of my local 5th 3rd branches have been unable to provide receipts for transactions. This caused me to be afraid to make my deposits and ultimately I went into overdraft. I can only go to the bank XXXX XXXX  or after which is why I take advantage of their after hours ATM deposit method. I want a refund for the charges due to their ATMs being not 100 % functional. I have attached just a few of my pics showing the ATMs cant provide receipts. I have more from other dates.
Product: Checking or savings account

I attempted to open a savings account with ETrade twice, once on XX/XX/XXXX and again, at their request, on XX/XX/XXXX. Both times I was declined. 
I received mail from ETrade dated XX/XX/XXXX that I was declined for the XX/XX/XXXX application due to information at XXXX. I requested on online a report from XXXX, which I received dated XX/XX/XXXX. All of the information from XXXX was correct, and matched what was provided to ETrade. 
On XX/XX/XXXX I contacted ETrade and requested more information. They advised me to resubmit my request. I did so on XX/XX/XXXX. This request was also denied. I followed up with ETrade on XX/XX/XXXX. On XX/XX/XXXX ETrade responded that I needed to verify my identity with XXXX. Although I am not sure of they date, sometime after this and before XX/XX/XXXX I called XXXX, which put my on hold several times while they reviewed my information but provided no resolution. They eventually sent me a new report, date XX/XX/XXXX, with the same information as before, with the additional inquiry from ETrade added. After receiving this mail I called XXXX again and was told they do not verify identity. On XX/XX/XXXX I called ETrade and was told the accounts were denied because of the response from XXXX, with no additional detail. on XX/XX/XXXX I called XXXX and was told they will not provide any details on the inquiries from ETrade and will only send the same report I have already received twice, which all has accurate information, and that I should check with ETrade as to whyI was denied. I am now at an impasse as both ETrade and XXXX are blaming each other an each refuses to provide any details.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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 can not furnish a account without my written instructions
Product: Debt collection

I received a debt collection notice from Midland Credit Management XXXX XXXXXX/XX/2023. 

I called MCM XXXX XXXXXX/XX/2023. Spoke to XXXX and he would not let me speak while he kept interrupting me. I then asked to speak to a supervisor. XXXX kept being rude and I said this an alleged debt and I would like to dispute the claim. XXXX said there was no supervisor to speak to. I said please let me know when I could call back to talk to the supervisor? XXXX then said " I will make a note that you ae refusing to pay '' then proceeded to hang up on me. I did record the entire call. 

I then sent a certified validation letter on XX/XX/2023. 

XXXX XXXX XXXX XXXX XXXX I have not received a response to my request.
Product: Vehicle loan or lease

I have new and updated information. Credit : is the right granted by a creditor. A creditor is one who regularly extends credit, and is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness. Therefore pursuant to federal law, BMW FINANCIAL SERVICES can not extend credit nor be a creditor. BMW FINACIAL SERVICES stated I was denied the extension of my own credit due to delinquent past or present credit obligations. Pursuant to the FCRA and XXXX, a consumer should not be denied credit. A consumer can only be denied employment and insurance, neither of which I applied for. I extended my credit to XXXX BMW, they denied me the right to extend credit. According to the XXXX, a consumer shall not be discriminated agaisnt in any aspect of the credit application. I was discriminated against in the inital part of the application because I, in good faith execercised my right to extend credit ( 15 USC 1691 ). Not only is this discrimination, due to the fact that another consumer with a " better credit worthiness '' would get approved the extension of their own credit. This is UNAUTORIZED USE of my credit card ( 15 usc 1602 ( l ) ), I completed a credit application, my credit was checked, and everyone benefitted from this transaction except the cardholder.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I have an pop loan and they have frozen my account and they charged me XXXX to access it and frozen my account because I didnt pay it back on time and Im on a fixed income and I tried talking to them but havent gotten anywhere and it was an XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to remove these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Checking my Credit report information during the last weekend of the year, I 'm found that appears, XXXX XXXX diferents address in my personal information. that information is Wrong and XXXX. 
My only reliable and thrust permanent address since more than XXXX years, its the Next : XXXX, XXXX XXXX NY XXXX. 
The other XXXX address that appear in my Credit bureau, could be a fraud or intent of stolen identity. 
Please feel free to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sold my debt in XX/XX/2022 to a third party collector, XXXX XXXX. XXXX has continued to report a balance owed on Experian. I have contacted XXXX many times and disputed with Experian twice. I have currently provided further documentation to Experian from their own website confirming the account balance should reflect XXXX due to the ownership of the debt.
Product: Student loan

This is in reference to my previous complaint # XXXX, which was closed without my saying it was resolved. My student loan servicer claims to have reallocated my payment as described in my complaint, but they have not. Only {$22.00} have been applied to loan E, when I requested that the remainder of my payment after paying off loan A, which comes out to {$530.00}, be applied to loan E. {$510.00} was applied to loan F which I never asked for. This situation is still unresolved and Nelnet is still not listening to instructions for allocations when I submit my payment. They are at this point purposefully obfuscating the problem, even though I specifically allocated funds to loans A and E when I submitted the payment. My special standing instructions are for my auto debit, and this is a separate payment that I made on XXXX2018. I have attached a screenshot of this in my payment history.
Product: Credit reporting or other personal consumer reports

In accordance with the fair reporting credit act account XXXX, has violated my rights. 

15 U.S.C 1681 section 602A : states I have the right of privacy. 

15 U.S.C 1681 section 602A section 2 : It also states a customer reporting agency can not furnish a account without my writing instructions.
Product: Debt collection

On XX/XX/2020 XXXX Submitted a response to the complaint that was blurry from pages 4 to 13. No images can be seen from their collection fee that was agreed upon or ever told to the servicemember. If consumer finance can review the entire file before closing the complaint it would help everyone involved as the so called explanation is unreadable please. 

XXXX can not provide any documentation on fees. I've had the funds for some time to pay the principle and interest off but am unable to as they wish to collect a fee. 
I have constantly asked for paperwork regarding their collection fee and none can be provided. This is happening to every veteran who unfortunately defaulted on the star card. I've had the funds to pay for awhile now, however XXXX has and is continuing to charge an illegal/ unexplainable collection fee of over {$1400.00} In the attached file the response from XXXX was : " Please be advised that the account balance may be periodically increased due to the addition of accrued interest, as provided in the agreement with the original creditor, or as otherwise provided by applicable law ''. 

No where indicating a fee, followed by a unreadable/ blurry statement ( pg 4 to 13 )
Product: Debt collection

XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX, MAXXXX has been sending me collection notices in the amount of {$650.00} the collection has been reported past due even though I sent a mailed dispute and verification letter certified mail on XX/XX/XXXX asking for proof of this debt they have not responded. I do not know this company nor have I done business with this company. They do not have a contract bearing my signature.
Product: Mortgage

Santander Bank Mail Code:XXXX XXXX XXXX, Pa XXXX continues collection efforts in reference to Account Number XXXX after receiving written notification by XXXX and XXXX to cease all communication regarding this account. The attached letter was sent in XX/XX/2016 and Santander Bank continued to send four additional months of late notices after the cease and desist notice. In addition they continue collect efforts after receiving written notice from my attorney XXXX from XXXX, XXXX, XXXX. These actions are in direct violation of 15 USC 1692c 805. Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated. In addition 15 USC 1692d 806. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :
Product: Checking or savings account

On XX/XX/2020 PNC bank let a charge for {$140.00} go through on my account with no money in my account. This has caused an initial overdraft fee of   {$36.00} the next day because I did not have the funds to deposit into my account. Since then I have been getting charged overdraft fees every single day which caused a total amount as of today for {$120.00}. My account is currently overdrafted {$330.00}. I put a stop payment on two charges so that they wouldnt go through so that was {$36.00} each that was assessed to my account. I dont mind paying those two {$36.00} stop payment fees because I needed them. called to let PNC know that I dont have funds to deposit until Monday XX/XX/2020. I also asked if I can have the overdraft fees waived on my account because I cant afford to pay them that much money. I spoke with a regular rep and a supervisor and no both said that they couldnt help me. PNC is very greedy and if I didnt need it to send a XXXX payment to my landlord every month I wouldnt have this account. I really need someone to please help me any way they can to waive the overdraft fees assessed to my account due to a charge for {$140.00} that went through with a {$0.00} balance on my account. Thank you so much in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX : {$300.00} XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX : {$300.00} XXXX XXXX XXXX Balance : {$690.00}
Product: Credit reporting or other personal consumer reports

After reviewing my credit profile I noticed some hard inquires that are not mine
Product: Credit reporting or other personal consumer reports

Good evening, My name is XXXX XXXX and I am a victim of Identity Theft. 
Experian is breaking FCRA laws by reporting an account that is a direct result from Identity Theft to my credit report. 
The account in question, XXXX XXXX, is not my account. 
They say they verified the information but haven't shown me any proof or anything. 
I have sent Experian multiple letters with various forms of proof. 
They always give me the run around. 
For example, on XX/XX/03, I wrote to Experian and sent an updated Identity Theft report and they said that the identity theft report isn't valid because it doesn't come from a law enforcing agency. The Identity Theft report is from the FCC and it is XXXX valid and accredited. 
I have told Experian over and over to please block this information and they do not listen. 
I am hereby reporting them because it's been past XXXX business days and the incorrect information is still being reported to my credit report. 
Please take the necessary steps to reprimand them. Thank you.
Product: Mortgage

Today, XXXX/XXXX/16 I went on Ditech.com the company who services my loan to make a payment on line and received an error message on each attempt I made to make this payment on-line. The screen error is attached. I then called the XXXX number and was routed to the automatic payment by phone. I again was not able to make a payment by phone. At this point I was router to a customer service rep. the customer service rep. said she would process the payment and stated it would be a {$12.00} convenience fee. I said on the web it was {$10.00} and she then stated this is why it is not working on the web or on the automatic phone. At this point I had wasted XXXX minutes of my morning, I asked for the fee to be waived, she replied no. I asked to speak to a supervisor, they supervisor XXXX said she could not waive the fee either. I said fine I will pay the fee and I am filing a report with the CFPB, magically the fee was then waived. I am not sure if they broke any laws however it is making it difficult for consumers to make payments, based on the fact they offer an on-line payment and pat by phone and neither was working you would think out of common courtesy they would waive the fee until it was fixed, especially because the fees showing on the web and spoke on the phone are different from what they then tell you when you speak to a live person. Not to mention they also got statements out late which on their message when you call in and final XXXX out late as well.
Product: Debt collection

When I was contacted by Credit Management LP, I was informed of my debt but was instructed that should I make payment arrangements and held true to those arrangements that the debt would not be reported to the credit bureaus. Once I made my final payment on time, it was reported to the credit bureaus not only that it was a collection account but that it was late. I have since disputed with This with the bureaus, but it remains on my credit as a collection account when it should not have been reported at all per my agreement with Credit MAnagement LP
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX cashier pushed me to open a credit card. But never gave me a physical card or phone number on how to pay off the card. No guidance on how to set up the account. They called on time for a payment and thought they 'll just call me to collect. But the second purchase I made they did n't call until it was too late
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been filling on all 3 credit reports advising that I never open an account for XXXX or XXXX XXXX ACCT # XXXX for {$5800.00} the thing about it, is that they don't even have my last name mispelled right. So that goes to show that this account is not even mines. As far as Midland Acct # XXXX for {$350.00}. According to these lenders the account where open from : XXXX XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX and/or XXXX XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX. I have sent both companies proof ( As what they requested which was Florida XXXX and XXXX receipts ) that the only address I have lived in the last 42 years has been : XXXX XXXX XXXX XXXX. XXXX, Fl. XXXX. Even with the proof I sent them, they still state that the information I have provided them is not correct But that the information they have is? HOW THE XXXX XXXX XXXX XXXX DO YOU FIGURE THAT, WITH PROOF THAT I SUBMITTED TO YOU, FROM THE ELECTRICITY COMPANY???