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

CFPB COMPLAINT : ( DESCRIPTION ) Santander Consumer USA XXXX XXXX wholly owned subsidary of Santander Consumer USA holdings Inc. As a Federally protected consumer, I am invoking the consumer laws and exercising all my full rights. 

On XX/XX/2023, my vehicle was gone.Involved in taking my possession is Santander Consumer USA, Santander Consumer USA Holdings XXXX XXXX XXXX XXXX XXXX. No warnings, no notices filed prior to repo. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Disputed Item Verification Request - FCRA Law, 15 USC 1681i-5 I hope this message finds you well. I am writing in regard to a recently disputed item on my credit report that you have sent back as verified. 

XXXX XXXX XXXX Report Date : XX/XX/2023 I am seeking validation and further information regarding this item in accordance with my rights of privacy under the Fair Credit Reporting Act ( FCRA ) law, 15 USC 1681i-5. 

As you are aware, the FCRA grants consumers the right to request verification and validation of any information that appears on their credit reports. I exercise this right and kindly ask that you provide me with the following information regarding the disputed item : The complete and accurate name of the creditor reporting the item. 
The exact nature of the debt or account being reported. 
The dates of account opening and, if applicable, closure. 
Any documented evidence confirming that I am indeed responsible for the debt in question. 
A copy of any contracts or agreements I allegedly entered into with the creditor. 
Proof of your compliance with FCRA procedures during the investigation process of my dispute. 
I would like to remind you that, under the FCRA law, you are obligated to provide me with this information within 30 days of receiving my dispute. If you are unable to provide the requested validation within the stipulated timeframe, I expect that the disputed item will be promptly removed from my credit report. 

Please also be aware that I am closely monitoring my credit report and any further discrepancies or inaccuracies will be brought to your attention, as it is my right to have a fair and accurate representation of my credit history. 

I appreciate your prompt attention to this matter and request that all communication regarding this dispute be made in writing for documentation purposes. I expect your response within 30 days from the date of receipt of this letter, as per the FCRA guidelines. I appreciate your cooperation in resolving this matter.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX Birthdate : XX/XX/XXXX Social Security : XXXX To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. enclosed documentation providing proof of my LEGAL NAME, as instructed to do on your website. To make your process of deletion easier ( which I would like removed please ) : I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : Incorrect Name : XXXX XXXX XXXX I Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After bankruptcy XX/XX/2019 I was trying to establish new credit and raise my credit score by obtaining a couple credit cards. Credit Karma sent emails and ads for Pre-approved credit cards. I applied for them all only to be told NO and later receive a letter on the mail outlining the bankruptcy. Not fair! Instead of helping, the credit inquiries lowered my credit score even more, making it more and more difficult to obtain any sort of credit. After 2+ years, my credit began to turn around but certainly not because of Credit Karma. I will never apply for a Pre-approved anything thru that website again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly lates on the XXXX partial account numbers - XXXX ; XXXX and XXXX. ( Please see pages 20, 21 and 22 of the attached credit report. ) I consolidated these loans and was making my monthly payments. I was sent a notice saying that I was late on payments. The payments I was making did not get credited to the right accounts and consequently it caused the lates on my credit report. This accounting error was not my fault. I was told by a representative that they would correct their accounting error and remove the late payments. This has not happened. I have contacted the ( 3 ) bureaus to fix this inaccurate reporting which is harming my credit score. Please remove the lates from my credit report.
Product: Checking or savings account

Chase has charged me overdraft fees for transactions that appear from the day before, that does n't show up until the next day, but have yesterday 's date on them.
Product: Credit reporting or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to investigate any items that resulted due to Identity Theft. Please find the required documents to assist in the investigation of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ), Equifax shall investigate any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. Please investigate this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information. Here is the list of items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX XXXX  Balance Owed : {$1600.00} XXXXXXXX XXXX XXXX  Balance Owed : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX  Balance Owed : {$350.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

They reported loan payments as late when I put them in deferment
Product: Mortgage

Our mortgage was transferred to Shellpoint Mortgage, effective XX/XX/2021. From the time of receiving notice of the transfer from XXXX XXXX XXXX  to Shellpoint in XX/XX/2021 through the end of XX/XX/2021, we received no communication from Shellpoint. Even after calling repeatedly to ask where to send our mortgage payment and to confirm that our property taxes needed to be paid out of escrow on XX/XX/XXXX, we were told they couldn't help us because our mortgage didn't show in their system and probably would not show up until 10 days after the effective date of the transfer. It finally showed up in their system XX/XX/XXXX. However, our property taxes had still not been paid and we were by that time, in default. I notified them of this multiple times leading up to the due date and after. I also notified them of our upcoming insurance renewal on XX/XX/2021. I sent over our bills, called every single day for a period of 2 weeks and got NO help and no assurance. Finally, on XX/XX/XXXX they sent me a " payment history '' apparently showing that our property taxes and insurance had apparently been paid. But they could not tell me how they were paid or give me any sort of confirmation number. As of today ( XX/XX/2021 ) both bills still show as unpaid. I called our insurance provider who said they had still not seen anything from them. We are now sitting on unpaid property taxes and are greatly concerned that our homeowners insurance will lapse due to non-payment. Shellpoint does not answer any emails, is useless when you call, and refuses to help in any way other than pointing to the fact that they have some internal record that says they paid.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. 
Identify items ( account and inquiries ) are resulting from the identity theft that should be blocked or deleted. 
ACCOUNT : Account name : XXXX XXXX XXXX  XXXX Account number : XXXX Date opened : XX/XX/year> Status : Paid, Closed.
Product: Credit reporting or other personal consumer reports

On all 3 credit reports my XXXXXXXX XXXX  account is reporting a charged off account with XXXX paid. I have not missed a payment in the last 2+ years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to know how you verified the items on my credit bureau? How did you investigate it?
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several credit inquiries conducted on me recently, and a credit line was opened using my name, but NOT BY MY REQUEST, apparently were identify theft issues. These credit inquiries were from : XXXX. XXXX XXXX XXXX on XX/XX/2023 XXXX. XXXX XXXX on XX/XX/2023 XXXX. XXXX XXXX XXXX on XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX on XX/XX/2023 XXXX. XXXX XXXX XXXX on XX/XX/2023 XXXX CREDIT INQUIRY CAP ONE NA on XX/XX/2023 A charge card account was actually approved by the XXXX  ( XXXX XXXX XXXX XXXX  ) on XX/XX/2023, and a request to change mailing address for this fraudulent account was submitted by the offending party. I have contacted XXXX to request the account be cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by TD bank of a fraudulent application submitted with his information without his consent. That application resulted in an inquiry into his XXXX  credit report XX/XX/XXXX that he did not authorize. A formal dispute of this was mailed to TD bank XX/XX/XXXX however as of this date TD bank has failed to report the status of the dispute/investigation results to either this office or our client.
Product: Debt collection

This company First Credit Services XXXX XXXX XXXX is on my credit report. I dont know anything about this debt from this company. Where did this come from? Who are these people?? The amount they say I owe is {$800.00}. I am a victim of Identity theft. I recently froze my account with all three of the credit agencies. My social security and Identification was stole a year ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. My background check from Checkr says I have a XXXX when this charge was reduced to a XXXX. Please review attached documents.
Product: Debt collection

I canceled my account on   XXXX   XXXX   for both phones.  XXXX  attempted to tell me months later that it is their " policy '' to refuse to cancel customers accounts on the dates their customers actually cancel but whichever date  XXXX  specifies. Additionally,  XXXX  attempted to tell me I had a contract. I did not. I had a leased phone. I only owed  XXXX  more nominal payment, which I made.     When I started service with  XXXX , I was billed for 2 months in advance. I paid that incredibly expensive bill. I still have a copy of that bill. I offered to provide  XXXX  with a copy of that bill. When I canceled service, I was never refunded for the prepayments of services that I pay on a monthly basis ; as it is "  XXXX  's policy to bill at least  XXXX  month in advance. '' However,  XXXX  was billing me for an additional 3 months in advance. When I disputed the bill, they sent me to collections.     I have had to hire an attorney to dispute the bill. Not only has  XXXX  sent me to IC Systems for collections. I have only received  XXXX  notice from I C Systems. I c alled IC  Systems and in formed them that this was in litigation. They still posted this to my credit report against the FCRA. According to FCRA, punitive damages are also in order. This is illegal.
Product: Debt collection

I have been contacting XXXX XXXX for over a year to be ignored.They are reporting a fraudulent account opened on or around XX/XX/2016. I have been XXXX  in the XXXX Department of Corrections for the past 10 years and have never lived in XXXX, XXXX. I simply asked for an investigation as described in the United States Code Service Title 15, The Federal Fair Credit Reporting Act section 623 ( a ) ( E ) and all sections that the company have failed to provide and I indeed demand this fraud be removed out of my name NOW!!!! I recently have been released and will provide proof that I was indeed incarcerated. The documents will provide my entry date and release dates and I ask that this office make them verify the information I have provided and remove this fraud out my name. I dont have time to be ignored as my previous experiences! I dont have time for them to put me off because it isnt them, keep up office mess first, or just simply not caring any longer because I have had it with them ignoring me. I HAVE NOT AUTHORIZED ANY PERSON TO USE MY INFORMATION NOR DO I KNOW OF ANY PERSON WHO OBTAINED MY INFORMATION. IT WASNT ME AND I WANT IT OUT MY NAME NOW!!!!!!
Product: Credit card or prepaid card

Thank you for trying to help me. 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( call or text ) XXXX has refused to refund a ticket charge for a XXXX playoff game that was canceled. I contacted Regions Bank, issuer of my Visa credit card, in XXXX when it became apparent that XXXX was not refunding the charge. It is impossible to communicate with XXXX other than by online chat. I have attached a copy of a chat with a XXXX agent who said I am due a refund. I provided this to Regions Bank Claims Resolution Center. Their most recent letter dated XXXX says Documentation provided by merchant shows you participated in transaction and/or received merchandise. I contacted the team, XXXX XXXX XXXX, and their XXXX  XXXX insisted XXXX is responsible ... ... ..... 

XXXX XXXX Regions Visa XXXX XXXX XXXX XXXX ... ... posting date XX/XX/XXXX ... .. {$76.00} ..... 
Regions Credit Card Claim No. is XXXX ...... 
Regions Claims Resolution Center is ( XXXX ) XXXX ... .... 

" XXXX '' XXXX To : " XXXX '' XXXX Cc : " XXXX '' XXXX Sent : Wednesday, XX/XX/XXXX, XXXXXXXX XXXX EST Subject : XXXX ...... 

Disputed transaction .... 
. 

This {$76.00} transaction was posted on my Regions Visa on XX/XX/XXXX... 
. 
Chat text ..... 

Hi XXXX, We've replied to your XXXX XXXX request regarding order # XXXX. In addition to viewing this update within our online chat, a transcript of our conversation can also be found below. Your XXXX XXXX ticket is XXXX. 
If you have additional questions, please reply directly from the chat. To return to your online orders to chat with us, please go to XXXX XXXX XXXX. You can also reply to this email ; however, your email reply will not be visible in our online chat. 
System ( XXXX XXXX ) XX/XX/XXXX, XXXX XXXX ( XXXX ) XXXX XXXX : XXXX XXXX XXXX My name is XXXX, I apologize that you're having this kind of issue. 

Ive confirmed that your upcoming event has been canceled. No action is required to obtain a refund ; we will issue a refund to the original method of payment used at time of purchase, which is usually completed within 30 days. 

Please see our Purchase Policy at XXXX XXXX XXXX XXXX  for more information. 
If you have any other concerns, please reach out to this thread.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX : - ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

It was suppose to be a soft pull as XXXX XXXX advertise on their website. So when we do a soft pull only 2 second after I noticed a hard pull showing on Equifax bureau. I was upset but the representative don't give me a reasonable answer whey a hard pull when it suppose to be only a soft credit pull? 
I guess my English is limited so when I try to explain to them no one listen to me. Then the XXXX XXXX representative even telling me you have to be at least 12 MONTHS to approved for personal loan when the person help me applied for my loan said it ok even I'm still new customer less than 1 MONTH WITH XXXX XXXX! IF I'M A NEW XXXX XXXX CUSTOMER LESS THAN 12 MONTHS THEN THE PERSON APPLIED PERSON LOAN FOR ME SHOULD NOT APPLIED FOR ME IN FIRST PLACE TO GET ME INTO THIS MESS!! 
They're misleading me every step just trying to open up my checking account with XXXX XXXX. Someone have to take responsible for this.
Product: Credit reporting or other personal consumer reports

I have bankruptcies showing that are from 8 years ago that are still negatively impacting my score. My attorney stated they should not be showing on my report this late afterwards. they are still do and will not allow me to be approved for anything. I have 100 % payment history but not all the bureaus are reporting the same thing. This needs to be updated and corrected so i can have a descent score for once and stop struggling with such high payments when it has been long enough for everything in this crazy world.
Product: Credit card or prepaid card

I received notice from credit monitoring stating that someone applied for an Avant credit card with an address that wasn't consistent with my known address. I IMMEDIATELY called Avant on XX/XX/XXXX and reported that I did not apply or authorize a card in my name. They would not cancel the request or close the card and told me that they would forward my info. to the fraud department. I asked to speak to the fraud department and they said that I could only contact them by email. I called several more times as I hadn't gotten any information. Each time they said I had to wait for the fraud department. On XX/XX/XXXX, I finally received an email with the information I needed. I went to the police and filed a report and completed all the paperwork and sent back to Avant on XX/XX/XXXX. I have yet to get a response. I still show this card open with the annual fee due. I called several times and can only get a customer service representative who says they can not transfer me to fraud or to a manager. Last time I called on XX/XX/XXXX, they stated the issue was resolved and the account closed. I asked for this in writing, which they said I could only get if I contact the fraud department. I emailed the fraud department on XX/XX/XXXX requesting this information in writing and have not gotten a response still.
Product: Credit card

On XX/XX/year> I thought I was transferring money from my XXXX Credit card to my XXXXXXXX XXXX account. When I realized that was not the case, I immediately called XXXX and told them it was a mistake and to do a payment reversal. The amounts were {$150.00} and also {$200.00}. XXXX advised there was nothing they could do and for me to call my bank. They never stated that it could cause my card to be closed. I called my bank, XXXX XXXXXXXX XXXX and they said they would stop payment. 

On XX/XX/year> my XXXX automatic payment was due out of my XXXX XXXX- however, XXXX didn't accept it because of the stop payments on the error on XX/XX/year>. As soon as I found this info out on XX/XX/year> I paid {$400.00} on my account and XXXX waived the {$30.00} late fee. Again no one at XXXX had stated that my account was closed. It wasn't until I tried to use my credit card and it was declined that I called XXXX and they stated it my account was closed. I then received a letter in the mail stating that they closed it for " the number of dishonored payments on the account ''. This was not true. I stopped those two payments because : 1. I thought I was doing a cash transfer to my bank account. 2. I also knew my automatic payment was coming out.
Product: Credit card or prepaid card

Institution : Citibank , N.A . 
Issue : Failure to Honor Extended Warranty Advertised Details : Initiated claim for protections under the Costco Anywhere Visa by Citi. Warranty coverage advertised at two ( 2 ) years from Costco plus an additional two ( 2 ) years from Citi for a total of four ( 4 ) years of warranty coverage. Citi requested five ( 5 ) documents to process the claim : ( 1 ) Itemized Store Receipt ( 2 ) Copy of Manufacturers Warranty ( 3 ) Repair Estimate ( 4 ) Photos of Item ( 5 ) Copy of Extended Service Plan All documents were provided. After several weeks, Citi requested an additional repair estimate, which was also provided. Several weeks later, well over a month from the initial claim, Citi further requested : ( 1 ) Please provide the billing statement showing the purchase of the item As this is a claim for an item purchases 3 years ago, Citi does keep those records readily available and must be requested separately. Thus, I would need to request the statements from Citi to provide back to Citi to process the warranty coverage, all for an item which is covered by the advertised warranty. It is also important to note that this most recent requested item was not requested from Citi initially over a month ago and should not be the consumer 's burden to provide as this is all data that is owned and accessible by Citi. The obstacles Citi has put in place are excessively burdensome to successfully process an extended warranty claim and does not align with their advertised extended warranty coverage.
Product: Credit reporting, credit repair services, or other personal consumer reports

the fcra requires all beureas to report factual and accurate information at all times and these invalid accounts on my credit report are in violation of fcra sec 609 and 623 - b as well as fdcpa 807-8 i request with legal rights that these incorrect accounts be removed immediately or i will procede with civil litigation for violations of the statutes