23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I have a car loan that is through Santander Consumer USA. Bought my car in XX/XX/2010 and the loan was sold to Santander. My original loan was for XXXX months. I 've now paid XXXX months and they still say I owe a balance and a miscellaneous fees. They can not tell me why I owe a balance or what it 's from. They will call at least 20 times a day under different numbers from XXXX am to XXXX. They have called a neighbor that lived on my neighborhood saying they were trying to get ahold of me. Have no idea how they got her number. Even though let them I 've made all of my patents I still owe money and they have listed my car as in collections on our credit.
Product: Credit reporting or other personal consumer reports

Attn : Screening Reports XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX This is the letter I sent the company and I included copies of my identification. The letter I sent Screening Reports will be as follows. 

To whom it may concern, Please consider this a formal request to investigate and correct the following ALL inaccurate items on my credit report issued by your agency. 
These items must be removed in order to show my true credit history. 
I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997. 
As required by the Act, Under 15 U.S. Code : ( 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. 

I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 
Item Number Company Name Account Number Comments 1. All Name, DOB etc. listed 2. All Social Security Numbers listed 3. All Past and current addresses listed 4. ALL Evictions listed 5. All Collections accounts listed 6. ALL Credit Accounts listed 7. ALL Credit Inquires listed 8. ALL Public Records listed 9. ALL Credit Summary listed 10. ALL Criminal Records Listed 11. ALL Identify Listed 12. ALL Installments listed Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. 

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. 
Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. 

I HAVE INCLUDED COPIES OF MY DRIVERS LICENCE, PASSPORT AND SOCIAL SECURITY CARD IF VERIFICATION. 
ALL INFORMATION LISTED ON THIS REPORT IS INACCURATE. ITS A TOTALLY DIFFERENT PERSON. 

Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

They reuse to remove fraudulent information from my credit report I have already filed a ftc and reported it to the lenders as well
Product: Credit card or prepaid card

On XX/XX/2022 I got an email from Bank of America stating that my account was added to another account. I never authorized or did anything to my account. This was my edd money I had left over which was about XXXX $ I still had on it. I wasnt expecting my money to be wiped out to zero. I called Bank of America and they kept having me try to change my identity questions because they were wrong apparently and tampered with as they said so I kept changing them every time I called. I filed a claim and called many times and told them I just wanted to find out where my money went and get it back like most banks do. They came back with saying that they found nothing wrong with my account. This was driving me crazy because I didnt touch that money. I needed it for bills and rent and clearly was struggling and holding onto it as much as I could. I thought filing a claim they would be able to see if the money was taken out by someone or put somewhere and that is usually what they do but they pretty much shut me out.
Product: Debt collection

SYNC Lowes has violated 15 USC 1692 by continuing collection activity after cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
Product: Money transfer, virtual currency, or money service

Sent three payments of {$1600.00} each for rental of apartment at XXXX XXXX XXXX XXXX XXXX in XXXX, Connecticut for first month rent, last month rent and security deposit from XXXX XXXX ( fake name ). The XXXX payments were to XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ). We found out on XX/XX/XXXX there was no apartment to rent. Citi not likely to reimburse us based on their comments to us.
Product: Credit reporting or other personal consumer reports

Information on my credit report is in-accurate and as an elected official, by law you can not furnish information to my credit thats inaccurate and harmful. All accounts mentioned must be either DELETED, REMOVED or PAID/NEVER LATE XXXX XXXX XXXXXXXX XXXX  Account : XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX  Account : XXXX
Product: Debt collection

XX/XX/2018 I.Q. Data International, Inc. 
XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX ( Redacted ) RE : Account # ( Redacted ) Dear Sir or Madame, I received your correspondence based on the fictitious request to pay a debt that has not been established. As I shared with your representative on multiple occasions I do not owe this debt. You sent me a ledger which is controlled by local office representatives at Residences of XXXX XXXX.Please send me a copy of an executed lease that states there is an " automatic '' charge to replace the carpet simply because there was a pet living there. 

There was a walk-through performed with maintenance the day before I moved out and due to it being a Sunday I made arrangements to leave the keys in the apartment on the air vent next to the sliding glass doors. Maintenance stated that there is no carpet damage and therefore would sign off on the condition of the apartment which had minimal customary wear and tear. 

So the long and short of this is not a ledger from the property management but a bill from the provider of the cleaning/replacement service with my former address including apartment number during the time frame within 30-days of my exit. 

If you do not provide me evidence that a neutral third-party provider billed for damages to XXXX XXXX XXXX XXXX ( Redacted ) on a valid date then I am insisting that you no longer contact me about this bill and I also will give notice to you that you have 30-days to respond or remove this debt from my credit report. 

I will be seeking the following options against you as the representative on behalf of Residences of XXXX XXXX to include : *Filing a complaint with the Consumer Financial Protection Bureau *File a complaint with the State of Illinois ' Attorney General *File a complaint with the Better Business Bureau *File a civil suit in state court for damages of up to {$1000.00} I appreciate you expedited response to this request and I am sending you back your correspondence as it lacks no breakdown of charges. 

Respectfully yours, ( redacted )
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I was experiencing financial hardship, and was waiting for XXXX to come through with payment. As many people know ( and as I explained throughly to XXXX ), XXXX benefits often take 4-6 weeks ( if not 8-10 ) before they pay you. In XXXX of XXXX, I spoke to a representative on a recorded line and firmly delineated that while waiting for XXXX to process, I can not afford to pay a loan and rent and bills. 
The servicer on the lender 's end said, and I recall, " It will not negatively affect your credit if you can pay it back within 60 days, that is by XXXX of this year. If at that point there is still an issue, then a deferrment is needed. '' I felt reassured that they understood and had made proper notes in their system. 
So, in XXXXXXXX XXXX XXXXXXXX, when this was still a pressing issue, I reached out for a deferrment, and was granted one. I made payments to keep current, as promised with the agent on the line, who guaranteed that was all that was needed to not be negatively impacted in a credit report. I have been making current and full payments since. 
It is XX/XX/XXXX. I went to apply for a loan so that I could fund a degree and pay it back on slower terms than out of pocket, as sometimes bugeting for XXXX XXXX XXXX XXXXXXXX for a degree is challenging, and I did not want to run into an issue of not being able to pay for other expenses. It's called smart budgeting and having an XXXX XXXX XXXX. 
XXXX refered the " adverse action '' as - " you have negative payment history '' as to why they could not finance my realtively small loan. It is interesting, though, as they are the ones who reported the deliquencies and derrogetory marks between XXXX XXXX ( the exact 60-day period aforementioned would not negatively impact me ).
Product: Credit card or prepaid card

UNFAIR AND UN-ACCURATE CREDIT REPORTING HAS LED TO MANY CREDIT DENIALS AFTER I APPLIED USING MY SOCIAL SECURITY NUMBER. I HAVE BEEN DENIED CREDIT.
Product: Credit reporting or other personal consumer reports

I am submitting a dispute to have these errors investigated, as the accounts are wrongfully reported on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each incorrect report. I understand that FCRA 605B mandates reporting any inaccurate accounts on a consumers report.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft there are 14 hard inquiries on my report Im asking yall nicely to have them removed cause I didnt allow them dont know anything about them
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I was in process of refinancing my current home mortgage loan. 21st mortgage was aware and got angry I was refinancing. The new mortgage company was nation 's lending corporation and they started they were going to assist the mortgage payment and failed to do so. I then contacted 21st mortgage to explain to them and i got nothing but attitude and they failed tp help and resolve the issue. I want them to take off the late payment. 

XX/XX/XXXX payment XX/XX/XXXX. The payment was due and I was going to pay. Unforeseen event of losing my mother, father and sister unexpectedly in a tragic accident caused me and my brothers to use our money to pay funeral arrangements. 21st mortgage refused to help which is going to cause me to be late 3 days over the 30 days. They still refuse to help me and I want this late credit report hit to come off also because of a hardship I hit this month. 21st is nothing but attitude and mouthful people. They told me to borrow money from my dead parents. Come on now what company does that.
Product: Checking or savings account

I was told over the phone that the card use was XXXX meaning my ex had the physical card, but I was told originally that all the transaction reports showed that those were made off a mobile device that is not mine at places I dont go.
Product: Checking or savings account

XX/XX/2019 I was a victim of identity theft andRequested the fifth third bank close my account that I have had for over five years. They agreed to close the account and I found out they did not shut the account down. I ended up filing a police report. I called back again several hours later and the loss prevention team told me they were not going to shut the account down and I could dispute any transactions that were fraudulent to make a long story short I ended up losing {$600.00} that was in my account and fifth third tried to write off {$4000.00} ofTransactions that they allowed a fraudulent company to write bad checks out of the account in which I asked them to close. Fifth third then requested that XXXX  XXXX XXXX XXXX review our phone conversations when I requested a 609 fair credit proving that I authorized in writing for the fraudulent parties to indeed make the charges on my account. Which both fifth third and XXXX  XXXX XXXX failed to do Fifth third owes me {$600.00}. In addition to removing all negative Calories from the three credit bureaus in addition to checks link in the like.
Product: Credit reporting, credit repair services, or other personal consumer reports

My equifax and XXXX  They don't want to fix my current address. They have in my personal information as the current address : XXXX XXXX XXXX : XXXX XXXX, XXXX. XXXX and it is not my current address. My current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX. 
I made like two disputes to change it. but they don't want to update my information and because of that my credit is frozen and we can't apply for student loans and my daughter wants to study. 
They update it by putting the same postal address as XXXX XXXX and they don't want to put the one in XXXX, Florida.
Product: Bank account or service

A trust was established upon the XXXX of my grandmother XXXX years ago naming a local XXXX Bank as executor. After many changes in bank ownership, the account is now held at Wells Fargo. It has been indifferently managed for most of this time and the fees now outstrip the income provided by the small gains. They have decline my request to step down from their management role. The bank charges large fees at every opportunity, for tax reporting, for management fees, again for mutual fund fees ( bank managed mutual funds ). It is being managed in service to the bank 's interest, not the family 's. Eventually the trust will have been depleted at which time I assume the bank will happily relinquish their control. I would like to stop this eventuality.
Product: Credit card or prepaid card

I called discover to add my son as a authorized user. The decided to give him a c and and make me his co-signer without my permission. My son canceled a subscription and blocked the company. Discover let some charges slip through a frozen card. Now theres a dispute and I'm getting my credit negatively hit.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX EXPERIAN TRANSUNION 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. 


EQUIFAX EXPERIAN TRANSUNION 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 reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX  helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Payday loan, title loan, personal loan, or advance loan

The company sends the check in the mail, then the customer deposits it in the bank.The bank ( XXXX XXXX ) puts a hold due to the amount being a certain amount. It shows up as pending but no access. Then u get a welcome letter adding a big fee and almost 50 % interest unless the customer takes them cash before the customer gets any money. It shows up in bank as pending and they demand more than the loan before the customer can even access the money. Republic Finance. I contacted two different " branches '' of Republic Finance and they claim the customer can only pay at 1 specific location. Or sign up an autopay. Requiring access to the customers account. My XXXX XXXX told me 10 day hold at first now its 11 business days. I tried cancelling transaction online and called the bank XXXX XXXX as well as the loan check company. The told me to bring them cash in person at a certain location. Sounds very fishy
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

Received a letter from Sunrise Credit Services Inc. stating that I owe {$290.00} for an account I hat in XXXX XXXX XXXX. I have talked to XXXX already and there is no record of me having an account with them, they looked me up with my SS # as well as with my full name and no record was found. I have never used XXXX for anything.
Product: Credit reporting or other personal consumer reports

Per the CARES Act initiative the the Dept of Treasury in response to disparities occurring during XXXX, I reached out to the mortgage company in XX/XX/2020 after my job had been cut due to XXXX occurrence. I spoke personally, with a representative from the mortgage company, informed them of my situation, and during the phone call I was asked a series of questions that the representative informed me would be submitted for initiation of the forbearance immediately. I was informed by the representative that I did not have to make any payment until instructed to do so once the forbearance expired. 
I didnt receive the paperwork indicating that my forbearance have been approved effective XX/XX/2020. During that time I made multiple attempts to reach a representative by phone to discuss the XXXX payment that had not been made per my conversation with the representative the previous month. As many companies had decreased their staff during the pandemic, I was never able to reach a live representative, and a voice recording on their end, said to call back at another time. Due to this discrepancy in Loancares processing of this paperwork, they have counted every month as a non-payment on my credit report, which is in direct violation of the CARES Act. if they are unable to get this issue, resolved, I will take this case to those that oversee direct violations of the CARES Act.
Product: Credit card or prepaid card

On XX/XX/2019 I issued my Check XXXX. XXXX made payable to the order of WalmartXXXXXXXX XXXX in payment of Account XXXX. XXXX XXXX XXXX which the payee deposited in its account with XXXX XXXXXXXX XXXX, as shown by the attached copy of the canceled check ( front and back sides ). Subsequently, XXXXXXXX XXXX was replaced by Capital One as Walmart 's credit card agent. Now, Capital One wrongfully fails and refuses to recognize my payment to Walmart/XXXX XXXX. I respectfully submit that Capital One should be bound by my payment to WalmartXXXXXXXX XXXX since the former is the successor-in-interest of the latter, otherwise I would be paying double and Capitol One or Walmart would be enrichment itself at my expense. Thank you for resolving this matter in my favor. XXXX XXXX