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

On XX/XX/XXXX, I entered into a Retail Installment Contract with XXXX XXXX XXXX to purchase a XXXX XXXX XXXX ( VIN : XXXX ). Recently, Santander Consumer USA Inc. has attempted to enforce the terms of this contract, despite not being a party to the original agreement. Upon review of the contract, I have identified several defects that challenge their enforcement rights : 1. No Mention of Santander : The contract does not reference Santander Consumer USA Inc. as a party or assignee.

2. No Assignment Clause or Notice : The contract lacks any provision allowing assignment to a third party, and I have not been formally notified of any assignment.

3. Lack of Privity : The contract creates a relationship only between myself ( the buyer ) and XXXX XXXX XXXX ( the seller-creditor ). Santander is not included in this relationship. 
4. Ambiguity in Financing : It is unclear from the contract whether XXXX XXXX XXXX provided the financing directly or through a third party. 
5. Federal Truth-in-Lending Compliance : The contract does not disclose any relationship between XXXX XXXX XXXX and Santander or potential assignment of rights, raising compliance concerns. 
6. Use of Ambiguous Terms : The contract uses terms like we and us without specifying whether these refer to XXXX XXXX XXXX or other entities. 

Despite these defects, Santander has attempted to enforce this agreement without providing documentation proving their right to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

XXXX has recalculated my plan to {$320.00} a month, I 'm past due due to errors in the calculation of my monthly payment, and the representative I just spoke to told me I should sign up for direct debit so that they can bring my account current. 

Up until XXXX XXXX, I was paying {$80.00} a month on a revised PAYE plan. I missed the annual recertification date because I was n't given proper notice and payments jumped to {$160.00}. The only notice I might have received was a generic " You have a letter in your XXXX inbox ''. I receive these a lot and it has no meaning to me. Had I received proper notice, I would 've recertified on time and continued to pay a reasonable monthly rate. 

I emailed XXXX many times about missing the re-certification date and they only responded to me once. It was a generic response of no help. 

I married in XXXX ; my wife works part time for supplemental income, so our household income is 90 % mine. After getting married, I applied for a new XXXX plan in XXXX and was denied. I called and spoke with a XXXX representative and she told me that I needed to apply for a recalculation of my payment rather than apply for a new plan. She provided me an estimate of {$110.00} a month, which I found satisfactory. 

I followed this representative 's directions explicitly and filed for a recalculation of my monthly payment. Yesterday I received word that I owe {$320.00} a month. My household size doubled, my income increased by a very small amount, yet I go from paying {$80.00} to {$320.00}. 

I called and spoke to a representative tonight ( rep. # XXXX ) and he told me that a miscalculation occurred. I sent in supporting documentation for my wife 's income, because her income this year is much lower than the previous year. He told me that my payment should have been calculated to about {$230.00}, not {$320.00}. Regardless, he suggested placing me into forbearance until XXXX next year so that when we file taxes jointly, there would be a hard number for the monthly payment to be calculated on. 

I used my forbearances immediately after graduating college in XXXX. I was n't able to find a stable job until XXXX. Because I have no forbearances available, the representative suggested that I apply for direct debit so that my past due balance would become current. He has recommended that I sign up for a {$320.00} payment that even he has admitted was calculated incorrectly. 

I was on the phone for 50 minutes, 20 of which was on hold, trying to find a resolution to this. I want to pay my loans and be current, but I want to pay something that is fair. I would 've stuck with the XXXX XXXX monthly payment had I not been told that my payment would be recalculated to {$110.00}. 

I am constantly lied to when I speak to a representative on the phone, I am ignored when I email, my repayment requests are either denied or calculated incorrectly. I do not want XXXX as my servicer. I want to pay my student loans in a reasonable monthly payment and with a loan servicer that is not corrupt like XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute an incorrect negative account on my credit report for over a year. I tried to dispute this online after retrieving the report in XX/XX/XXXX, only to go through the entire verification of my identity process and then be told that the dispute had to be filed by mail due to " system issues ''. I then tried disputing by mail on XX/XX/XXXX with no response. This issue resurfaced when i was going through a refinance in XX/XX/XXXX. This time i received a message to use " my equifax '' to file my dispute. I again went through the entire verification process on XX/XX/XXXX and was told i needed to call in. I called in and the offices were closed. I called back on XX/XX/XXXX and went through the verification process to be advised that i could file a dispute online. The system then terminated the call. Today ( XX/XX/XXXX ), i called to dispute and was routed through the verification process, once again entering all of my personal information only to be told the offices were closed and to call back during normal business hours. This information has been resolved with the other bureaus. Equifax who exposed my and many other consumers data insists on using a system which requires you to provide PII to their systems with no intentions of providing support.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violated federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$760.00} XXXX XXXX Balance : {$18000.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX Balance : {$760.00} XXXX XXXX Balance : {$18000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance XXXX {$10000.00} XXXX XXXX  XXXX Balance : {$530.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I downloaded my Equifax Credit Report on XX/XX/XXXX ( copy attached ) and submitted an online dispute to remove the 'Consumer Statement ' shown in Section 6 of same. A printout of my online Dispute 'Confirmation ' is attached. 

Although confused by the XX/XX/XXXX Equifax letter ( copy attached ) indicating they were not able to locate a Credit File for me, I received notification on XX/XX/XXXX that my online Dispute had been completed. As such, I downloaded Equifax Confirmation # XXXX and associated Credit File. Since the format, layout, sections and fields of the XX/XX/XXXX Credit File don't match that of my XX/XX/XXXX Equifax Credit Report, there is no way to confirm removal of the 'Consumer Statement '. 

As such, I wrote Equifax Corporate on XX/XX/XXXX expressing my confusion w/ some of the conveyances in its XX/XX/XXXX letter and well as the dilemma stated above regarding removal of the 'Consumer Statement '. I'm yet to receive a response from the company.
Product: Credit reporting or other personal consumer reports

I am writing to address significant violations of the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) that have recently come to my attention. Consumer Reporting Agencies ( CRAs ) play a vital role in assessing consumer credit information. It is concerning that Big 3 CRAs rely on data from smaller agencies, like XXXX, for reports. Identity theft is a major concern. Reporting unauthorized accounts without consent is a serious breach of privacy. CRAs are legally liable for noncompliance under 15 U.S. Code 1681n, with potential penalties of {$1000.00} per violation. The unauthorized buying and selling of personal information poses a significant privacy issue. 
Compiling a report without consent amounts to identity theft. Privacy is a right, not a privilege, and I demand prompt removal of identified information. I followed the requirements of 15 U.S.

Code 1681c-2 meticulously, but was not provided clear information about reporting, as mandated by the Gramm-Leach-Bliley Act. By invoking my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b ( 2 ), I seek a swift resolution. I insist on immediate removal of identified items within four days. Furthermore, proper notification for investigative consumer reports, under 15 U.S. Code 1681d, has been overlooked, a clear violation. I expect prompt attention and full compliance with the aforementioned provisions. Failure to do so may compel legal action. Given the comprehensive evidence I have provided, I am pursuing a resolution to address the FCRA violations and the infringement of my privacy rights.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute Regarding Inaccurate Late Payment Reporting for XXXX  Account Dear CFPB, I am writing to dispute inaccurate late payment information reported on my TransUnion credit file for the XXXX mortgage account ( Account # : XXXX ). 
Details of the Dispute Your records inaccurately show late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This information is inaccurate and must be corrected immediately. 
Legal Basis for Dispute The inaccurate reporting violates the following laws : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681e ( b ) : Mandates procedures to ensure maximum possible accuracy.

15 U.S. Code 1681i : Requires timely reinvestigation and correction of disputed information.

Truth in Lending Act ( TILA ) : 15 U.S. Code 1666b : Protects consumers from unfair penalties by requiring timely billing statements.

15 U.S. Code 1681n : Willful violations of the FCRA expose credit bureaus to liability, including statutory and punitive damages. 
Requested Resolution I demand the removal of the late payment notations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and a written acknowledgment of the corrections made. 
Enclosures To support my claim, I have included : Copy of my identification ( ID ). 
Proof of address. 
Copy of my Social Security card. 
Highlighted credit report showing discrepancies. 
Bank statements demonstrating timely payments. 
Notice of Potential Escalation Failure to address this matter within the timeframe mandated by law will result in additional complaints to regulatory agencies and legal action. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Credit Systems Inc will not remove a debt this is not mine. This item was paid in 2012 and not accurately being reported on the credit repositories and should not be reporting violating the Fair credit debt reporting act for Colorado. They provided a letter in which is a system generated letter advising they would do this but refused to sign as requested as this would validate and make the letter creditable so I can purchase a home. XXXX XXXX Manager, and XXXX XXXX representative for this company refused to sign.
Product: Checking or savings account

My Name is XXXX XXXX and my company name is " XXXX XXXX XXXX '' I opened a small business checking account in Bank of America and after opened checking account closed forcefully with Fraudulent transactions happend in your account and they are not returned deposited money since two months sofar, It's large amount we kept for Closing one of our property while we are buying and now our closing not happend because of this incident, We have been calling Claims department every week, No proper response about the funds they hold, Please return our money ( {$160000.00} ) date holds funds on XX/XX/2022 and account closed on XX/XX/2022.
Product: Money transfer, virtual currency, or money service

All monies reported to return. They turned in my transfer as business to the IRS and I dont have a business. I never had a business. So because of there actions I have had my income tax taken and gotten in debt with the IRS.
Product: Credit reporting or other personal consumer reports

I am filing this compliant regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, have noticed inaccuracies on my credit report such as late payments. I am writing this letter to have my credit report updated to be current and up to date. First, according to the F.C.R.A Section 604 ( A ) ( 3 ) 15 U.S Code 1681 ( b ) Permissible purpose states that I have the right to privacy and that my information can not be shared without my written consent! Second, Section 607 ( A ) 15 U.S Code 1681 ( e ) Compliance and Procedures states my report must be 100 % accurate at all times and these late payments are not accurate! Nor did I authorize these late payments to show on my report. Third, according to the Truth and Lending Act Section 15 U.S Code 1666 ( b ) corrections of billing errors the CRA must correct any billing errors made on the consumer 's credit report with a written statement of what accounts need to be updated and corrected. I have already sent a letter 30 DAYS AGO AND YOU ARE NOW IN VIOLATION OF MY CONSUMER RIGHTS! I am also placing a FTC reference numberXXXX XXXX XXXXXXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. These accounts must be updated AS SOON AS POSSIBLE to avoid any VIOLATIONS FEES.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 FOR 30 DAYS I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Payday loan, title loan, or personal loan

Please find the brief details of the complaint made before the U.S.Bank attached. Having send this on XXXX of XXXX I still didnt get any response from the U.S.Bank.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX  Account Number : XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my identity had been compromised because my wallet was stolen from the movie theatre. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters of several unpaid accounts that I have never open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX & XXXX XXXX {$3600.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX. I was on the phone with a XXXX colleagues at XXXX central time, XX/XX/year>. We talked about how XXXX is reporting inaccuracies on my credit report by saying I missed XXXX and XXXX payments. But I got bank statements to prove XXXX subtracted the funds out my account both months. A XXXX employee talked to a supervisor then they gave me this email to attach my proof and statements. Also I was informed by XXXX when I show proof you guys will removed the late payment ASAP. This is really hindering me because my credit is being affected for mistakes XXXX did. Grain dont answer the phone nor respond back to any emails.
Product: Debt collection

This harassment started in XXXX, over a car that was repossessed in XXXX. I went to court, and on XXXX the case was closed, case status Disposed. On XXXX, Danco Financial filed another claim against me for the same case, XXXX. I was never served in reference to this wage garnishment. I noticed that my wages were being garnished. I filed a defendant 's claim against Danco Financial, and XXXX XXXX, XXXX ; went to court on XX/XX/XXXX at the XXXX XXXX XXXX. The Plaintiff 's garnishment was disposed and I was granted the money that was being garnished from my pay check. Then my employer notified me that Danco Financial had filed a new claim against me for continuation of wage garnishment. I filed another defandants claim again and wen to court on XX/XX/XXXX and my defendant 's claim was denied until I fight the underlying judgement, in which, I received no documentation in reference to the claim filed. I am really tired of going through this with them harassing me and garnishing my wages for a claim from XXXX, that was disposed, and my money was refunded to me. This is something that is not legit, and is causing a hardship with my living expenses and employment opportunities.The vehicle they are claiming I owe money for was repossessed in XXXX, and I never heard anything from this finance company. I stay at the same address for 15 years and was never served any papers. I did not receive any notices from them after the case was disposed in XXXX until XX/XX/XXXX. I would like for them to stop harassing me and causing hardship in my life for a repossessed car from XXXX, that case was disposed, and I was refunded my money back that they had garnished at the time. I would like them to stop the garnishment and give me back all the money they have garnished from me at this point.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX XXXX XXXX  of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$790.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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: Debt collection

XX/XX/22 Constant texts and calls by valentine and kebartas for debts i dont owe.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, Which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.