23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

** THIS IS NOT A DUPLICATE COMPLAINT. ** XX/XX/2021- Santander saw equity in my vehicle and even though we had a payment arrangement in the middle of a World wide pandemic wrongly repossessed my car. 

XX/XX/2021 - I filed a Chapter XXXX bankruptcy. That places an automatic stay on the car which Santander Consumer ignored against the US Bankruptcy laws. 

XX/XX/2021 - My car was returned damaged. Below I include a .pdf with the timeline and pictures of what happened. 

XX/XX/2021 - I filed a claim with Santander Consumer. I was told the company experienced damages due to repossessions. The company would fix my vehicle to the same condition as when it was taken. 

XX/XX/2021- Santander Consumer said they found no problems with the return of my car and would not fix any damages or replace missing parts. 

Santander Consumer wrongfully repossessed my car on XX/XX/2021. The company they hired was XXXX XXXX who broke my car rack and kayak carrier, scratched the exterior of my car, put paint inside the car and stole my spare tire kit. Santander Consumer and their shady business partners have stopped my full use of a car, a car I am paying for, for the last six months. When anyone touches your personal property that property must be returned in the original condition it was taken. 

I have been lied to by Santander Consumer and its business partners. I have been cheated of the use of my vehicle, my time and money. And, Santander Consumer continues the same deceptive, misleading and cheating business practices they have a long list of class action lawsuits they continue to lose because the way Santander Consumer is treating consumers is against our laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  ( Account # XXXX Name - XXXX XXXX XXXX ), ( Account # XXXX Name - XXXX XXXX XXXX XXXX, ) ( Account # XXXX Name XXXX XXXX XXXX ), ( Account # XXXX Name - XXXX XXXX XXXX ) and 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: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I disputed an inaccurate account with XXXX XXXX Credit reporting company. In XX/XX/2018 Transunion reported that the account was verified and accurate. ok well in XX/XX/2018 I sent a certified letter to Transunion to be exact the letter was dated XX/XX/2018 I sent the letter to Transunion on XX/XX/2018 I have copies of the certified mail receipt that the letter was sent to them.. The letter was the METHOD OF VERIFICATION OF THE PREVIOUS DISPUTED ACCOUNT ON MY CREDIT REPORT,, THE ACCOUNT LISTING IS XXXX XXXX XXXX # XXXX, TRANSUNION RECEVED THE LETTER ON XX/XX/2018 I HAVE A COPY OF THE DELIVERY NOTIFICATION THAT WAS GIVEN BY THE USPS ... SO  TRANSUNION RECEIVED THE LETTER ON THE XX/XX/XXXX, AGAIN THE LETTER WAS THE METHOD OF VERIFICATION.. AS A CONSUMER I AM EXERCISING MY RIGHTS UNDER THE FCRA 611 ( A ) ( 7 ) WHICH I WAS REQUESTING A COMPLETE DESCRIPTION OF ALL METHODS USED TO INVESTIGATE MY AFOREMENTIONED DISPUTE. I REQUESTED ITEMS THAT WOULD FALL IN THE LINE OF THE FCRA 611 ( A ) ( 7 ) AND TRANSUNION FAILED TO SEND THAT INFORMATION TO ME. THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER AND IT AGAINST THE LAW AND TRANSUNION IS NOT FOLLOWING THE RULES OF THE FCRA ... .THEY NEED TO REMOVE THIS ACCOUNT ASAP FOR I AM ABOUT TO GO DOWNTOWN AND FILE A SMALL CLAIMS SUIT AND HAVE ALL THE PAPER WORK SHOWING DID EVERTHING RIGHT AND TRANSUNION REFUSED TO SEND ME WHAT I REQUESTED AND WHAT I AM ENTITLED TO TRANSUNIOM VIOLATED MY RIGHTS AS A CONSUMER PER THE FCRA 611 ( A ) ( 7 ) ... WELL ON XX/XX/2018 I CALLED TRANSUNION AT XXXX AND SPOKE WITH A TRANSUNION REPRESENTATIVE FROM THE UNITED STATES I ASKED THE REPRESENTATIVE ABOUT A THE DISPUTE WITH THE XXXX XXXX ACCOUNT ENDING IN # XXXX AND THE REPRESENTATIVE STATED THAT THE XXXX XXXX   ACCOUNT ENDING IN XXXX HAS NEVER BEEN IN DISPUTE,,, I STATED YES IS HAS. I GAVE THE AGENT ON THE PHONE THE FILE NUMBER THAT WAS SENT TO ME BY MAIL.THE AGENT STATED THE FILE NUMBER WAS DEAD AND HE WASN'T ABLE TO PULL UP THE PREVIOUS DISPUTE AND THAT HE DIDNT KNOW WHY HE WASNT ABLE TO SEE IT,, THE AGENT STATED THAT THE ACCOUNT WAS NEVER DISPUTED AND I ADVISED HIM THAT I HAD PROOF THAT THE ACCOUNT WAS DISPUTED IN THE PAST AND I RECEIVED THE LETTER FROM TRANSUNION, TRANSUNION IS NOT REPORTING 100 % INFORMATION THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT..I HAVE COPIES OF THE RECENT RESULTS FROM TRANSUNION PERTANING TO THAT XXXX XXXX   ACCOUNT ENDNG IN XXXX. THE FILE NUMBER IS HIGHIGHTED AND I KNOW THIS ACCOUNT WAS DISPUTED BEFORE, TRANSUNION AGENT STATING IT WAS NEVER DISPUTED,,, THEY HAVE VIOLATED THE LAW AND REPORTING INACCURATE INFOMRATION ON MY REPORT AND MY NEXT STEP IS FILING A SUIT ... TRANSUNION PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT FILE..
Product: Debt collection

I was hospitalized in XX/XX/XXXX. The attached form discloses the claim dated XX/XX/XXXXfor a disagnostic image ( MRT ) that was done prior to me being admitted to the hospital. Initially, my insurance company informed me I was responsible for the entire bill of {$8100.00}. I am insured under my mother 's ( XXXX XXXX ) health insurance. She wrote a letter of appeal ( see attached ) regarding this outstanding bill. On XX/XX/XXXX, we received a letter from the insurance company ( see attached ) that approved our appeal and a copy was sent to the original creditor ( XXXX XXXX XXXX XXXX XXXX ). During this entire time, we never received a bill from XXXX XXXX XXXX XXXX XXXX before or during the appeal process. On XX/XX/XXXX, we received a bill ( see attached ) from XXXX XXXX XXXX XXXX. We immeditately called the original creditor to make arrangements directly regarding the revised amount I owed, {$770.00}. We came to an arrangement and made our first payment XX/XX/XXXX ( see attached bank statement ). We received a call from XXXX XXXX XXXX on XX/XX/XXXX. We 're filing based on the following 4 things : 1 ) Dual Tracking abuse from XXXX XXXX XXXX sending this debt to a collection agency and negotiating simultaneously ( 2 ) Professional Account Services attempting to collect on a debt prior to the 30-day validation period ( 3 ) Never received a bill from orginal creditor prior to receiving letter from collection agency ( 4 ) Collection agency collecting on a debt when original creditor agreed to payment arrangement and received first payment. We expressed to the collection agency during the XX/XX/XXXX call that we ( see attached letter ) prefer to deal directly with the original creditor since we made the arrangment directly with them. They refused and implied that I was refusing to cooperate and pay this debt. I told them that is not true as evidenced by the arrangement that was made and she acknowleged payment was made ( 10 % of the balance for the next 10 months ). Further, I believe the original creditor prematurely submitted this debt to the collection agency given the time frame of the appeal process and the new rules that medical organizations must adhere to when placing a medical debt to a collection agency.
Product: Money transfer, virtual currency, or money service

Someone sent themselves money from my account without access to my phone. It was on XXXX XXXX. {$40.00} was the amount. I contacted the company and they first responded with an automated message to contact them during business hours. They could not reverse the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Will Not Work With Me, A XXXX XXXX On A Fixed Income, With Removing A Late Payment On My Account. This Is Negatively Impacting My Credit Score, I Sent Them A Good Will Letter Stating That I Had Some Health Issues And That I Was On A Fixed Income. This Is The 1st Time This Has Happened And It Is Absolutely Ridiculous That My Credit Card Comnpany, Capital One Will Not Work With Me Even Though I Sent Them A Good Will Letter. The Case Number With Capital One Is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX XXXX XXXX, ACCOUNT # XXXX ) and ( XXXX XXXX XXXX, # XXXX ) broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired Experian, XXXX, XXXX who are furnishing inaccurate and unverified information on my consumer report. 

Proof of inaccuracies is attached example date opened ( XX/XX/XXXX ) on ( XXXX ) but on ( Experian it XX/XX/XXXX ) date last active ( XX/XX/XXXX ) on ( XXXX ) but on ( Experian it XX/XX/XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant EXPERIAN, XXXX, or XXXX the permission to furnish this report I demand that they delete this account from my consumer report. 

in accordance with the fair credit reporting act convergent ( ( XXXX XXXX XXXX, ACCOUNT # XXXX ) and ( XXXX XXXX XXXX, # XXXX ), have violated my rights. 

15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to investigate my disputes regarding inaccuracies in my credit report properly. Despite my submissions, Transunion consistently responds within 24 hours, stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. These remarks have been detrimental to my life and credit health.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. Equifax, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. '' It is the policy of the Congress that each financial Institution has an obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers non public personal information. The financial institution and the consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX and XXXX whether it be verbal, non verbal, written, implied or otherwise is revoked. Equifax, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I accepted a 34 % savings deal on an account that's on my report that had an original balance of {$710.00} with Portfolio Recovery and I submitted the full payment amount of {$460.00}. In multiple areas on their site they explain they will delete the tradeline account from all XXXX bureaus after payment. When submitting my payment an emphasized note popped up stating my account will be settled, paid in full and deleted from my report within 30 days. The payment for {$460.00} was taken from my account XX/XX/XXXX and payment was successfully completed without issue. The same day after receiving payment, instead of deleting the account they incorrectly updated the balance to " {$250.00} past due as of XX/XX/XXXX '' stating I still owe {$250.00}. I disputed with the credit bureaus that I have access to and provided documentation, no change. Then I emailed Portfolio recovery directly asking them to be truthful on my report and honor their promise to delete their account and provided them with proof of payment. They didn't even acknowledge their receipt of the email. I then reported the issue to the XXXX, this helped... somewhat. XX/XX/XXXX Portfolio Recovery updated the account AGAIN, instead of deleting the account as promised. The account balance was reported as a XXXX balance, with remarks : >Account Paid in Full was a Collection< Date Closed XX/XX/XXXX Date Paid XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Remarks >SETTLED-LESS THAN FULL BLNC< ; >PAID COLLECTION< But the account is still reported as opened which makes no sense. This wasn't the deal nor what our mutual agreement stated. Portfolio Recovery guaranteed deletion and instead is being purposely and unnecessarily cruel after I paid off the account. I'm trying to recover from identity theft and things are hard enough without this petty behavior making things harder and more time consuming.
Product: Credit card or prepaid card

I noticed in XX/XX/20 while logging into pay my balance on my Victoria secrets credit card that I had 2 {$100.00} e gift card purchases on my account. I immediately called Victorias Secret and they closed my current credit card, issued me a be card and filed a fraud investigation. They sent me a new card and then I received a letter stating that they found no basis to support the fraudulent claim. I am receiving a credit card bill with the {$200.00} fraudulent amount. I have called them and they will not look any further into the situation. I have cancelled my new credit card with them as well as I am not comfortable with the way they handled their investigation. I did not make the purchases of the 2 e gift cards and do not feel I should have to pay for the fraudulent charges. Ive been a credit card customer of theirs for years and have never had any issues with them. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in bankruptcy around XX/XX/XXXX. My mortgage was placed in my bankruptcy on XX/XX/XXXX. Money was withdrawn from my check to pay my mortgage due to Volunteer wanting to include it in my bankruptcy for the trial period. I PAID MY MORTGAGE EVERY MONTH FROM THAT DATE THROUGH BANKRUPTCY UNTIL XX/XX/XXXX. I WAS ABLE TO TAKE UP MY OWN MORTGAGE AFTER THE TRIAL PERIOD FOR THE Reaffirmation Agreement. So my credit should not reflect a none payment for all of the months!! I was told that I needed to dispute the report through the credit agency however you all are still reported non payments. I have a total of 14 none payments when it should be 3.
Product: Credit reporting 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 XXXX XXXX  Account # : XXXX has violated my rights. 

Account Name : XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX  Account # : XXXX I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Act. 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 reports relate according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) 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 if that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C 1681 SECTION 602 A. STATES I HAVE A 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 ) SECTIONS 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

Since I changed my phone number, I have recieved non-stop calls from " Honda Financial Services, '' despite repeated, repeated ( no less than 6 times ) attempts to tell them that I am not the person that owned the debt. After trying to communicate to them multiple times that they have the wrong number, I attempted to discourage their calls by ignoring them, hoping that they might think this number is defunct. I have 38 calls from them in the last month and a half. Please get them to stop.
Product: Money transfer, virtual currency, or money service

Several times i sent the money to the wrong person and i would call my bank and they would tell me that they couldnt do anything about it because it was done through zelle and i could never find a way to communicate myself with zelle this would happen often Another time is when i sent money to someone and the person wouldnt get the money and same thing the bank cold me that it was done through zelle and they couldnt do anything about it and zelle was no help this happened a few times
Product: Credit reporting or other personal consumer reports

i disagree with the account listed below which still appears on my credit report, i would like this item immediatly re-investigated, the inaccuracies are highly injurious to my credit score ( XXXX  WITH A REPORTING BALANCE OF {$0.00} AND A HIGHEST BALANCE OF {$4100.00} ) in accordance with the fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX and my social is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. There is no third party involved or any Credit Repair company working on my behalf. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on XXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. 
XXXX XXXX XXXX Balance {$360.00}
Product: Vehicle loan or lease

On XX/XX/XXXX, without notice, a violent Volkswagen credit XXXXXXXX entered my home, attacked my children, and stole my XXXX XXXX. At this time, my family was facing XXXX retaliation which I shared with VW Credit as well. Also, I always said I would pay for everything that I owe to VW. Moreover, VW Credit XXXX attacked and stole my car when XXXX and XXXX retaliation case was going on in the federal government. 

XX/XX/XXXX : Without notice, a violent VW credit XXXX entered my home, attacked my children, and stole my car away. I also called the police. 

Volkswagen cheated me and sold me an emission car ( XXXX XXXX )? I have an emission recall statement, VW credit stole my car on XX/XX/XXXX. Then, after depreciating the car for six long months, VW credit claimed that it had sold the stolen car. Based on what happened on XX/XX/XXXX, everyone says it is stolen. 

XX/XX/XXXX : I wrote a letter to XXXX XXXX XXXXXXXX asking for the explanation on why they attacked my children and stole my car. I have not received any response to my questions from VW Credit yet. 

XX/XX/XXXX : I get a bill from XXXX XXXX, a collection agency demanding me to pay {$6100.00} for the automotive deficiency. 

On XX/XX/XXXX, without notice, a violent Volkswagen credit XXXX entered my home, attacked my children, and stole my car away. After six months, they sold my car and now asking me to pay {$6100.00}. 

VW Credit does not respond to me. VW Credit is using their influence and covering up their crimes. I want my car and compensation for my losses. 

Sincerely, XXXX XXXX P.S. There is no option for a lender stealing a car and attacking children in the form, so I selected repossession as the option.
Product: Debt collection

I Have contacted ARS for Acct # XXXX I have contacted this company by phone and sent several dispute letters with this company who is reporting to all three credit bureaus and it is negatively damaging and affecting me from obtaining credit. I have no agreement or contract with this company. By law i would need to see any contracts that was signed with my signature and ARS has not provided me with any of the information requested.
Product: Credit card or prepaid card

After CITI DOUBLE CASH CARD robbed me of {$230.00} by siding with a merchant who promised 100 % customer satisfaction and to pay for return shipping, but did not honor either promise, as I proved with screen shots of the merchant 's XXXX page, I tried to close my account. CITI 's website says that the way to close an account is to call their customer service number, which I did on or about XX/XX/2023, when I asked them to close my account. Since then they have continued to send me checks, and now they have emailed me that they are sending me a new card. I want this to stop. They are crooks, in cahoots with XXXX scam artists, and I want nothing to do with them. And I don't want responsibility for any checks or cards that they send me.
Product: Mortgage

Ditech Financial is removing a portion of my extra princible payment and calculating it as interest. Since when is their interest on an additional interest payment towards any loan? my monthly payment is paid the same time every month, there should be not interest on additional principle paid separately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I signed a Business Loan and Security Agreement for {$51000.00} with American Express on behalf of XXXX XXXX XXXX XXXX XXXX New Jersey XXXX. as Company President. I asked repeatedly if I was signing personally and every time I was assured that I was not On XX/XX/XXXX I received a notice from XXXX stating they had charged off the balance and I was a co-signor on the account and I am not. I never signed a personal guarantee or submitted any credit information, especially not my social security number. How did they get it? 

Amex never once tried to collect the balance from me personally. 
The borrower is clearly the corporation with no reference to me personally. They back doored me on page 12 but not on page 16. 

I disputed the tradeline with XXXX but I was notified it was not being removed. 

Was a privacy law violated as a result of them using my social security number without my permission?