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

My vehicle, financed by Santander Consumer USA was totaled on XX/XX/XXXX after I was hit by a car that failed to stop at a stop sign. I contacted Santander soon after this to let them know that full payment would be issued by XXXX XXXX XXXX. They said they would " note '' my account. It has taken a long time to get a settlement agreed upon, but finally XXXX XXXX issued a check on XX/XX/XXXX which would cover more than the payoff balance on my account. 
Of course every day the payoff balance goes up more than {$5.00} based on what I have seen as my monthly interest charges. As of XX/XX/XXXX this payment still has not posted to my account. Santander is giving me the run around saying the payments go to their post office box and it can take 6 to 10 days for them to post ... .what kind of tactic is this? This is XXXX. I have a copy of the check dated XX/XX/XXXX, courtesy of XXXX XXXX. I have sent in a written complaint to Santander through my account portal and no reply. NO REPLY. 
I believe they are sitting on this payment to bleed more interest out of me. As if I have not suffered enough. I can not get another car loan because of the balance with Santander. I am a XXXX XXXX   with little resource to pursue legal action. I am walking to and from work in the cold because of this negligent driver and now can't even move on to getting a new car because Santander wants to take more money from me.I expect a fair outcome. I want my payoff balance as of XX/XX/XXXX and want the rest of the funds sent to me immediately. They are is crooked as a company can get. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

US Bank is advertising a 0 % APR ( Annual percentage Rate ) for a balance transfer for 15 billing cycles. Yet Because they charge a 3 % fee for the balance transfer the actual APR is of course 2.4 %.
Product: Credit reporting or other personal consumer reports

There seems to be an identity theft going on with my Transunion credit report as I see an authorized hard enquiry with the name XXXX XXXX  on XX/XX/2024 as someone tried to apply for a credit card using my SSN and other details without my consent or knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts I'm asking to be removed from my credit report due to the fact that I have absolutely no contractual obligations to either. The following accounts contracts obviously been cancelled, because I have No Contract with ( 1 ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, for {$99.00}, ( 2 )  XXXX XXXX XXXX, XXXX, {$240.00}, and {$100.00} Again, No Contract / No Knowledge of the above companies. I'm requesting physical documentation, or as stated with the laws of the FCRA, if the companies can not provided me with such, then the accounts shall be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA improperly performed an inquiry without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I investigated my credit report with all three credit agencies and reported the inaccuracies to them, but after the investigation was completed, it did not change the outcome. The inaccuracies are still on all three credit reports. 
After I did very thorough research myself, the information was not corrected after making several attempts to get the information corrected. All three credit agencies are reporting inaccuracies in my credit reports : The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq 602 A. The following accounts are completely inaccurate. 
XXXXXXXX XXXX XXXX Account Number XXXX : {$1200.00} XX/XX/XXXX & XXXX XXXX Never late. Two reporting agencies show I was never late. 
XXXX XXXX XXXX Account Number XXXX : {$6000.00} XX/XX/XXXX & XX/XX/XXXX Never late. Two reporting agencies show I was never late. 
XXXX  XXXX XXXX Account Number XXXX : {$5000.00} XX/XX/XXXX thru XX/XX/XXXX Never late. Two reporting agencies show I was never late. 
XXXX, Account Number XXXX : {$200.00} Never late. Two reporting agencies show I was never late. The company issued me a deletion letter and I forwarded it to all three credit agencies, but it was still not removed from my credit report. 
XXXX XXXX  Account Number XXXX : {$16000.00} XX/XX/XXXX through XX/XX/XXXX paid in full. Never late. Two reporting agencies show I was never late. Collect letter removed it from one credit agency, but not the other two credit reporting agencies. 
XXXX Account number XXXX : {$3500.00} XX/XX/XXXX through XXXX XXXX account is closed and still reporting that I have an open account with them. 
XXXX Account number XXXX : {$3600.00} XX/XX/XXXX Never late. Two reporting agencies show I was never late. Collect letter removed it from one credit agency, but not the other two credit reporting agencies. 

I have a right to privacy, and my rights have been violated., U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 
Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency unless the person has certified to the CRA the permissible purpose for which the report is being obtained, and certifies that the report will not be used for any other purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX ( XXXXXXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX, Account # XXXX ( XXXX XXXX XXXX ), Account Number XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX ), Account # XXXXXXXX XXXX XXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX XXXX ) have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance XXXX XXXX XXXX  XXXX Balance : XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my Equifax, XXXX and XXXX credit reports and immediately identified 2 XXXX XXXX  credit card accounts that didnt belong to me. These accounts are closed on my credit reports but nonetheless these closed accounts are the result of identity theft and are inaccurate. I filed a police report with XXXX police department ( see attached ) and I filed an identity theft report with the FTC ( see attached ) all information is listed on attached documents. 

15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code ( a ) Block 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.
Product: Debt collection

My credit was pulled for a home loan and there is a collection account that shows paid on my account. I have disputed the account with the credit bureaus and have been told the account came back confirmed. I have reached out to them and can only tell me they purchased the account and have very little back up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the attached letter to XXXX and Experian on XX/XX/XXXX. They were supposed to respond within 30 days, but have not.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Cash App due to the unauthorized use of my account, caused by a security breach that allowed fraudsters to access my personal and financial information. As a XXXX XXXXXXXX and a well-known professional in Georgia, this breach had significant financial and reputational consequences for me and my business. My Cash App account was hacked, resulting in unauthorized transactions and financial loss. Although there was approximately {$100.00} left in my account at the time of the hack, I was unable to transfer these funds to my new Cash App handle. The resolution provided by Cash App was insufficient, as I did not recover my money or receive meaningful assistance beyond being advised to set up a new account. The situation worsened when my business XXXX page was also hacked shortly after my Cash App account. The hackers used my XXXX page ( then changed the name ) to mislead my clients and associates, instructing them to send money to fraudulent accounts. Despite my efforts, I was unable to recover my old XXXX or Cash App accounts, causing me to lose connections with clients, harm my professional reputation, and disrupt my ability to conduct business effectively as they scammed one of my clients into send them money. I believe this incident reflects the weak security measures within Cash Apps systems, which enabled the fraudsters to exploit my account and cause financial and reputational harm. This issue aligns with the broader concerns raised by the CFPB regarding Cash Apps insufficient safeguards against fraud and breaches. I am seeking accountability for the financial loss, reputational damage, and disruption caused by this incident.
Product: Vehicle loan or lease

Bank of America 's digital team deleted my automatic payments. I called with an issue with my credit card and payments being reported as past due, but the payments were current. The rep said that their was a problem with the display. My auto loan was actually overpaid. She said that she would fix the display. The rep cancelled my automatic payments on my auto loan. 

I have called multiple times to fix this and each time Bank of America says there are no problems. Today I login and call and they say I am two months past due. I can't tell if they are not applying the payments. So I paid XXXX XXXX  today and resetup the automatic payments. It is exhausting dealing with these people. You have to escalate and talk to five different reps and spend hours on the phone, but nothing gets done expect you lose time and pay fees. Absolute nightmare
Product: Student loan

I 've been paying Navient consecutively every XXXX of the month for a few years now. Not until XX/XX/XXXX did I check my bank account and notice that the usual payment {$300.00} + did not come out. I called navient & spoke with a represtative, she explained that they no longer excepted payments via credit card this is why the charges did n't go through and that I will have to set up the payments through auto debit. I agreed and she proceeded to explain that the monthly payments for both A & B private loans will be a total amount of {$160.00}. Fast forward to XX/XX/XXXX I obtain one email from XXXX XXXX at navient stating that I should contact them due to an error in my account. When I called I spoke to XXXX and I explained everything above. She understood my issue and said she will pass it to a mgr who will call me back in a week. No one called me, so I followed up today on XX/XX/XXXX Only to be told by the mgr XXXX that even if I pay the back balance today i will 1. still be charged a late fee, 2.the late fee will remain on my record & this will disqualify me to release my consigner in the future, and 3. to make matters worse I now have to pay interest on top of the principal increasing my payments to {$350.00} & change instead of the {$320.00} I was paying for years. I find it to be ridiculous that I now have to be penalized with extra fees due to the reps mistakes. I was only recently notified this month, and they tacked on all these fees, placed me on forebearence because of it. The reps were rude and not helpful at all. I understand this may not seems like a huge increase in payment to some, but it makes a huge difference to me, and hurts me financially. I 'm hoping that the forbearance can end and my regular payments can be eplimented. Many thanks in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXX XXXX - XXXX Date Opened : XX/XX/2013 Balance : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous complaint # XXXX which stated : " XXXX  doesn't offer an option for consumer disclosure and has a fine print of " The XXXX  solution is not provided by a consumer reporting agency and does not constitute a consumer report as these terms are defined by the Fair Credit Reporting Act. 15 U.S.C Section 1651 et seq ( " FCRA '' ) '' Meanwhile, they have categories on the report which relate to assets and creditworthiness. '' TransUnion responded in a non-sequitiur referring to credit reports. THIS IS NOT ABOUT MY CREDIT REPORT. 

XXXX  is a comprehensive report product offered by TransUnion - very similar to XXXX and XXXX. XXXX and XXXX rightfully offer disclosure under the FCRA but for some reason XXXX  believes themselves to be exempt. 

These comprehensive reports containing topics covered under the FCRA as they are used in background investigations, etc. 

If you're confused, the site for XXXX  is XXXX : XXXX As stated on the site : Who uses XXXX  Collections Attorneys and Law Firms Licensed Investigators Financial Services Insurance Corporate Risk Investigative Reporters Law Enforcement Government Repossession Industry Resellers As such , the reports contain data that are covered under the FCRA and must be disclosed accordingly.

It is owned and operated by TransUnion Risk and XXXX XXXX XXXX XXXX
Product: Debt collection

Oliphant Financial , LLC have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action.

They have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

You ARE PROHIBITED BY LAW to furnish inaccurate information 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 15 U.S. Code 1681s2 I've filed with the FTC for this identity theft and I have a copy of my IRS affidavit of theft. This my last time requesting you remove your inaccurate information for placing this on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

I should not have judgements against me with XXXX or XXXX both of these accounts were resolved with a debt relief program I am in, I am paying on both of these accounts and no judgement for money should be showing both were settled between the debt relief program and the creditors XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All actions were taken to dispute these accounts and inquiries that's listed on my consumer report all letters has been sent out and all creditors has been contacted for some of the accounts listed below. 

XXXX XXXX XXXX {$1200.00} XXXX XXXX {$650.00} XXXX XXXX {$190.00} XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXXXXXX {$220.00} XXXX  XXXX XXXX {$930.00} XXXX XXXX {$540.00} XXXX XXXX XXXX {$610.00}
Product: Debt collection

I verbally told a representative on the phone that was a victim of ID theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Please REMOVE these items as soon as possible. 
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, 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 or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account # XXXX, XXXX XXXXXXXX ( late payments ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 US.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. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

I understand that according to federal law 15 U.S. code 1681a ( 2 ) ( Ai ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment.

I also understand that according to federal law 15 U.S. code 1681s-2 ( a ) ( 1 ) ( F ) ( I ), an accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXX XXXX XXXX XXXX XXXX pandemic during the cover period
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was paid in full. Please remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 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 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 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