23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello CFPB, I need your help! 

In short, and I have included more information attached, I cosigned a car loan for a friend of mine back in XXXX of XXXX. My friend, unbeknownst to me, was unable to make his car payments in XXXX and the bank in question, Santander Consumer USA, reported a debt collection on my credit and never notified me. I would have been happy to pay off the car loan if they had reached out! In fact, in the past Santander has called me a couple times when my friend missed a monthly payment, and I was able to call him and have the payment sent to them immediately. They have my phone number and address. If I was told by Santander that there was a problem I would have handled it, after all, that's the purpose of a cosigner. 

Unfortunately Santander rushed to report an unpaid debt and collection on my credit report, which is the first time I found out I had a debt collection!!! I was in the midst of buying a house and I was denied the loan because of the debt collection that I had no idea of. 

I immediately called Santander and offered to pay the debt off. The only thing I asked, and still am asking, is that because they never, not once, notified me that a debt was owed and was going to collections, that they request it to be removed from my credit report. Unfortunately Santander has refused, even if I repay the debt, to request of the credit rating agencies that it be removed from my credit report as a mistake. 

Please help me! Having this collection on my credit report has grossly affected my ability to get a home loan build wealth and I have incurred immense legal fees. I have hired a lawyer, who has sent them repeated requests citing the notification laws, asking them to own up to their mistake and ask the credit rating agencies to remove the debt from my credit report as a mistake. If they do this I am happy to pay the debt, I'll pay it tomorrow! But if they are unwilling to have the negative action removed from my credit report I can not in good conscious let a bank, Santander, get away with screwing me and my credit when it was their fault that they did not notify me. Santander has not been able to show any proof that they sent me any notification, despite multiple requests to do so from my lawyer. I have attached the letters from my lawyer to them making this request and citing the law that they had to notify me before reporting a negative action. 

Please help me fight against this bank and make things right! 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


Disputed Accounts : XXXX - XXXX  - XX/XX/XXXX XXXX {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XX/XX/XXXX - {$0.00} XXXX - XXXX  - XX/XX/XXXX - {$0.00}
Product: Credit reporting or other personal consumer reports

I have diligently followed all the necessary procedures in disputing this account. I've contacted the company, and they assured me the issue was resolved. Law enforcement has been involved, and I've provided a FTC report, which they confirmed as valid. Furthermore, XXXX and XXXX have complied with legal requirements and removed the account. However, Equifax seems to be presenting obstacles, claiming I haven't completed all the necessary steps. Despite my previous claim to Equifax, I remain stuck. They are alleging that the documents I've provided are inadequate. It appears Equifax is failing to fulfill its legal obligation to process the identity theft report eventhough the company already removed the account from the other bureaus. I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically FTC, a federal entity. I seek a resolution to this matter that adheres to proper procedures. 

XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : EXPERIAN : XXXX XXXX  XXXX Balance : {$540.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX  XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX Balance XXXX {$5100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX  XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX  XXXX Balance : {$540.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX  XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

15 USC 1681e ( b ) Compliance and procedures ( 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. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be UPDATE and if you are unable to provide me a copy of verifiable proof, you must UPDATE the account listed below. 

I demand that the following account be validated and UPDATE immediately : XXXXXXXX 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 reporting, credit repair services, or other personal consumer reports

I am trying to rebuild my credit and it seems nothing is ever removed or corrected with the  XXXX  credit reporting agencies I reach a score then I receive a notice that my  credit score  has dropped  XXXX  points or  XXXX  and have the sam e collectors  just year after year still appearing on my report I am a veteran and have a  veterans home loan but  I can never seem to reach the  credit score to obtain a loan it 's been 15 to 18 ye ars that these debts have been on my report
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found multiple inquiries from your company that I dont recognize or remember authorizing. This is really stressing me out because its hurting my credit score.
Product: Credit reporting or other personal consumer reports

My information was breeched by the Equifax data breech a few years ago and I've been having trouble removing the accounts listed.
Product: Credit reporting, credit repair services, 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 U.S.C 1681 XXXX. XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Account # XXXX Account # XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX 15 U.S.C 1681 Section 602 A states that 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section 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: Credit reporting, credit repair services, or other personal consumer reports

hello to whom to may concern i had autopay with XXXX XXXX and for one reason or another payment didn't get deducted and a late payment was reported in XXXX XXXX i reached out to XXXX and they assured me that the late payment was reported by mistake, due to autopay not working and XXXX agreed to remove late payment from all credit bureaus. I spoke to XXXX from XXXX  on XX/XX/2021 at XXXX XXXX pst, she discovered the mistake on there end and assured me late payments would be removed and even put it on her notes I confirmed this with XXXX from XXXX on XX/XX/2021 at XXXX XXXX pst. i even spoke to both of there supervisors and they also confirmed this.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to MOHELA for allowing fraudulent accounts on my credit report and for no corrective actions taken on these fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Product: Debt collection

I owed a debt for an apartment I rented with another individual. The debt is for the same amount or less than this one. I made it clear my intent to vacate. I was still charged for months I was not even occupying the unit. The collector says the debt is on hold. Is there any recourse for this error? 
Here are the details of the erroneous charge. 

Per your request, below is the original creditor information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX If you have any questions, please feel free to contact our office at XXXX ; if you are a XXXX XXXX XXXX resident please call XXXX. Hours of operation XXXX XXXX XXXX XXXX EST. 
Sincerely, Hunter Warfield , Inc . 

Creditor Name XXXX XXXX XXXX  Creditor Account # XXXX XXXX XXXX Account # XXXX Balance Due {$4900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Luck more financial is a completely fraudulent Co. ever since the onset of the loan, they have dealt in nothing but shady practices. Then ended up taking the truck that was financed. 

Upon trying to get everything straight with them I was told that if I paid the balance in full, they would remove the trade line from my credit reports. They have not to this date. I have called, and basically got mocked, and laughed at because of their trickery, and immoral business practices.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting 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 report relates 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 ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed 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.
Product: Debt collection

I have tried to re fi with  Chase and  they have left me no option but to sell or let the house go back to them. At  XXXX   years old, I can not take this variable. While I did sign for it 10 years ago, they bought it from Wa Mu for   XXXX  on the  XXXX  so now they have a free ride. I now have a lawyer to go with me thru the sale or foreclosure of this property. If they give me reason, I will file a lawsuit for damages. They are ruining my credit along with my ability to live a serene life under their bogus loan.
Product: Debt collection

To : XXXX, XXXX and Equifax I am writing this formal letter to inform you that there are a few medical collections accounts on my report that have inaccuracies. And not only does it contain inaccuracies but the accounts and the Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX and Third Party Creditor XXXX XXXX have violated several consumer laws which I will disclose what statute has been violated. XXXX, Equifax and XXXX has also violated several consumer laws. 

But this will be a notorized document and this will be the final notice to request These accounts numbered XXXX and XXXX attached to this letter to be deleted from the file. If these accounts are not deleted a lawsuite will be filed against you.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm not filing this claim in the XXXX person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

Account : XXXX XXXX XXXX, Acct # XXXX Account : XXXX XXXX XXXX, Acct # XXXX Account : DEPT OF EDUCATION/XXXX, Acct # XXXX Account : XXXX XXXX XXXX XXXX Acct # XXXX Account : XXXX XXXX XXXX XXXX Acct # XXXX Account : XXXX XXXX XXXXXXXX XXXX Acct # XXXX Account : XXXX XXXX XXXXXXXX XXXX Acct # XXXX Account : XXXX XXXX, Acct # XXXX Account : XXXX ACCEPT CORP/CARHOP FIN, Acct # XXXX Account : XXXXXXXX XXXX XXXX FIN, Acct # XXXX Account : XXXX XXXX, Acct # XXXX Account : XXXX XXXX XXXX Acct # XXXX Account : XXXX XXXX  XXXX XXXX Acct # XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Saturday XX/XX/2022 Received a text msg from citi.com : Please confirm you recently opened a XXXX XXXX XXXX Account. XXXX, XXXX, or contact us at city.com. Reply STOP to opt out. 

Monday XX/XX/2022 Received same text as above. 
XXXX Immediately received text back : XXXX XXXX Citi : We've blocked this card and lets get this taken care of. Please call Fraud Dept at XXXX or visit citi.com I went online and found customer phone number on Citi.com website. Called spoke to a lady, she spelled her name, XXXX. Explained to her I did not apply for a XXXX XXXX XXXX Account. She reviewed with me all my personal information and verified that my information was used to apply for the card. She proceeded to Closed the Credit Card account and said she opened an internal investigation with Citi Bank Fraud department. 

I would like CFPB to check into phone XXXX to make sure it belongs to Citi Bank or if it is a fraudulent phone number. I did not call this number because I will not give out my personal information to someone that I did not initiate call to. 

Fraudulent texting or solicitation???? [ is it possible that Citi Bank is using this type of text to get someone to apply for a credit card??? ] Contacting you so that situation is noted. 

XXXX2022- Citi Bank has been called by myself, personally, and XXXX XXXX XXXX Account [ Credit card ] has been cancelled and verified as fraudulent. 
Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and i got a letter stating, " They do not report bankruptcies to anybody. '' So, if that's the case, how did the credit bureaus verify m bankruptcy as 100 % accurate? They never did a fair investigation according to 15 U.S.C. 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) states : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such item of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 U.S.C. 1681 According to : 15 U.S.C. 1681 section 602A it states, I have the right to privacy.

According to : 15 U.S.C. 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating toa consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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 XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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

Some time in XXXX of XXXX, I received an alert on my credit report that I had a collection from a company I have never heard of. 
I called the number listed. It is National Credit Adjusters. They said a debt was sold to them by a company called XXXX XXXX XXXX. I called them and they had no information for me. They said they could not provide me any documentation and that I had to call NCA again. So I called NCA again and they had nothing to provide me but an account number and a strange copy of payments due for some type of loan that is not mine. I begged them to provide me the amount, how did I get the money, something with my signature but all they have is some strange docusign paper with the amount of XXXX dollars on it. My name is not even attached. This is apparently from XXXX, and I have never taken a loan for XXXX ever! I even had my bank XXXX go through with me all any any deposits or money from this company or any company in this amount and nothing. I make allot of money and have a good job. There is no way I would ever take a loan for this amount of money. The company NCA are very rude and every time I dispute this, I get a result saying " We investigated and its staying on my credit Report. '' This is not right. This is not my signature on the attached document. I did not receive any money and I did not take a loan.