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

I purchased a car from XXXX XXXX XXXX who got me a loan at the dealership from Santander Consumer USA. XXXX XXXX and Santander both facilitated an unfair, and high rate interest loan to me, and thousands of other buyers according to XXXX XXXX, the Attorney General of Massachusetts. The US Department of Justice is also investigating. Santander along with XXXX XXXX funded my loan without a reasonable basis to believe I could afford it, predicting I would default. Which is how I was able to get approved for a car with no co-signer, at the time poor credit, and making $ XXXX a year before taxes, and walking off the lot owing $ XXXX. Santander knew some dealerships had high default rates due to inaccurate iformation on loan applications, but kept funding the loans anyway. Which is how XXXX XXXX was able to " approve '' me, despite no other bank in the country, not even a buy here pay here deeming me credit worthy. Some of the dealers were even identified as " fraud dealers '' in a class action lawsuit, but continued to fund I have been in contact with Santander numerous times in the past couple years, and they are sticking to their word as they do not settle, and they have done nothing wrong, even though they have settled, and admitted wrong doig, and their CEO stepping down, in the midst of this whole illegal act which caused the 2008 recession. I was picked up from my apartment and taken to XXXX XXXX in XXXX, GA from my place in XXXX, GA, about 20 miles away. With the intention on buying a XXXX XXXX, at a monthly payment of {$250.00}. They even took me to XXXX XXXX, to retrieve the {$2000.00} down payment. When I get there " they just sold the XXXX, '' but there was a XXXX XXXX available for a little cheaper price. Once credit application was switched to the XXXX, they came back and said my monthly payment will be a little higher because of credit. from {$250.00} to {$320.00}. approved with Santander, when no other bank would, because of the collusion that I would default. A the time of signing I was never told that interest would accrue daily, which was on the back of the contract and never went over that. Also in almost four years the purchase price of my car was {$11000.00}, I currently owe {$10000.00}. This because they believed me to default long ago, and if not I would continue to pay them past the 72 months I signed for.
Product: Checking or savings account

On XX/XX/2023 I was subject to fraud when I received a text message that was very similar to previous fraud alert texts from Wells Fargo, stating that someone was trying to XXXX {$3500.00} from my account and asking if it was me. I called the phone number provided and the scammer said everything the same way a Wells Fargo customer service representative would have ( I would know as my debit card was compromised and needed to be cancelled and I was sent a new one a few weeks prior to this ). 
The scammer was able to obtain my information well enough to process a XXXX transaction of {$3500.00} to be withdrawn from my personal checking account. It was not until the call dropped and I tried to call back without success that I realized I had been scammed. 
I then immediately called Wells Fargo and presented to the nearest branch to discuss the issue. The XXXX withdraw was already processed and the {$3500.00} was removed from my account. I was given a investigation claim number, and was told my account needed to be closed and that I would need to reopen a new one, which I did. I was then told it would take 7-10 business days for me to hear a decision from their investigation. 
I received a letter in the mail dated from XX/XX/2023. This letter was sent no more than 2 business days after my claim was filed ( XX/XX/XXXX was a bank holiday ). The letter stated that the investigation was complete, " the transaction was made through a secure online banking session by you or someone who had your authority and no other processing errors occurred. Based on this information, we determined the transaction was authorized. We have closed your claim ''. 
This transaction was NOT authorized, and the company did not even have the decency to open up the conversation further or offer a way to appeal their decision. I know other companies such as XXXX will assess the IP address the " secure online banking session '' occurred from in order to investigate whether it is even anywhere near me, I doubt they did this. 
I have been a customer of Wells Fargo and XXXX for many years. I am now in further debt thanks to their unwillingness to help. I am a small business owner and can not afford events like this. There is a statement made by the CFPB that states if a consumer is fraudulently induced by a third party into sharing account access information that the consumer should receive the same protections as if the money were acquired from a stolen debit card or other banking access device, but apparently Wells Fargo and XXXX do not see it this way.
Product: Credit reporting or other personal consumer reports

Good morning this is an update for you all in regards to my three complaints with all three credit bureau. As of today XXXX I had spoken with a supervisor name a XXXX XXXX from XXXX I do have the case number from Transunion as well in regards to an illegal bankruptcy that was sent and placed on my credit report I also sent a letter stating why I asked the question for the bankruptcy letter as per the bankruptcy. They sent a response letter stated that they can not give out an individuals credit reporting information. The ( XXXX ) had a nerve to say to me That they will have to send my information to the court. I stated to her who are you going to send it to? Are you going to play as me?. 

Ive stated to her that is definitely illegal and you can lose your job & serve jail time behind that. I also explain to her that you are looking at the proof the from XXXX from year XXXX and also XXXX XXXX XXXX pages of XXXX and they are still refusing to take it off after it clearly says delete it on the documents. Ive also explained to XXXX XXXX that my next step will be an actual lawsuit. This has hindering my life completely. In a sense where I am losing jobs left and right they had this place on my credit report since XXXX. We are about to go into XXXX years that Ive been fighting to get this removed, and with proof of documentation that it was deleted from XXXX XXXX. These people are still refusing to remove and restore the mistakes that they have made at this point. You guys need to reevaluate the workers of TransUnion because what theyre doing is they are literally taking people placing false information on there. They clearly have the documents but theyre still refusing to remove it. As per FCRA 15 1681EB each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report.

All documentation should be accurate across the board with all three credit bureaus and these people are still not doing so again If if you referred back to the previous complaints below inside of the documents that were uploaded, you will clearly see there are two documents, and the fact that these people are refusing, which is going to lead me to go ahead and take legal action because I feel like no one is doing anything. 
Complaint Numbers Equifax XXXX TransUnion : XXXX Experian : XXXX XXXX Complaint : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX has violated my rights. Ive distributed this fraudulent account immediately once I because aware of it. I was told by email ( see attached ) the account would be closed due to it being opened without my knowledge or permission. For the last few months this account is not only reporting negatively on my credit report as a collections account. Its now reporting late payments. This house cost my $ XXXX of dollars in denied credit. At this point Im considering taking legal action. 
15 USC 1681 section 602 15 USC 1681 section 604 A 15 USC 1666B A
Product: Checking or savings account

My direct deposit was expected to be deposited in my account by absolute latest today, XX/XX/year>. I called Capital One bank and they described the outage and that there is no date determined at this time for when I will have access to my direct deposits. They have not processed them and have not deposited them into my account.
Product: Money transfer, virtual currency, or money service

I was looking for a summer XXXX and found a XXXX XXXX XXXX offered by them. That happened on XX/XX/XXXX. On XX/XX/XXXX, they sent me an interview invitation. Since it was a remote XXXX, they asked me to contact HR- XXXX, the person I get with, through a website " XXXX XXXX XXXX '' ( it is a XXXX website ), and it is possible to search XXXX by entering " XXXX '' on XXXX website. Everything went well until that person interviewed me. 

After the interview, XXXX told me I was confirmed qualified for the open position. However, he asked me to pay for the training material while the finance department sent me a check through email ( the email above ). I made the payment through XXXX on my mobile bank APP. There were two receivers. One of them was XXXX XXXX with the email address XXXX and phone number XXXX XXXX XXXX ; the other person was XXXX XXXX with the email address XXXX. I made {$1800.00} to XXXX XXXX, and the payment to XXXX failed. The check they sent to me was {$1900.00}. In next day, XXXX notified me that some updated equipment was added to the training materials and asked me to pay another {$1400.00} to XXXX XXXX. They did not send me a check at once. Instead, they said they would send the physical check and training materials on XX/XX/XXXX. At that point, I recognized it was a fraud, so I contacted my bank 's customer service and made claims for all the above transactions. On XX/XX/XXXX, which is today, I did not receive anything from them ; instead, XXXX still wanted me to pay {$1500.00}, so they could mail the training materials and check to me. I told XXXX that my bank account had been closed ( It is not closed, but it will be closed on XX/XX/XXXX since the bank recognized the {$1900.00} check was a scam ), and no one could access my bank account, even bankers. Then, XXXX said, " [ I am ] advised to proceed to make payment of XXXX or partial payment right away ... Failure to comply, [ my offer ] will be canceled immediately. '' I did not and would not comply. 

Eventually, I transferred {$3300.00}, and the second payment is still pending. However, my bank can not stop the transaction ; instead, they made claims for all of those transactions.
Product: Credit reporting or other personal consumer reports

Multiple inaccuracies were discovered om my EQUIFAX, XXXX, XXXX XXXX Profiles, which are direct violations to Me as a Federally Protected Consumer. 


According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello My name is XXXX XXXX XXXX I recently received my employee background check. 
HIRE RIGHT REQUEST NUMBER # XXXX I see there is a criminal record reporting back from over " seven years '' ago on my report. 
how can this be? 

I searched through XXXX XXXX and there is nothing in database regarding me. 

I feel there is an error in the reporting. 
Where did this record come from? 
Please furnish me the source so it may be corrected that record does not belong to me. 
nor does it belong on my Report. 
Also did this come from the Clerk of Courts or from a third party Data Furnisher?
Product: Credit reporting or other personal consumer reports

I have disputed a negative account on my report to XXXX experian and XXXX XXXX all three saying they investigated and have no proof to show. Just saying the information is accurate but now saying how the investigated.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX never provided to me by law 10 days after closing whats called a XXXX XXXX XXXX! Ohio revised code 5302.15, an 5302.16 they have to by law record the master form mortgage an short form ( 3036 )! Carrington mortgage is the current servicer. XXXX  XXXX XXXX is the 1st lien! The actual lien! Its not recorded in public record. Which means i'm paying on a fictious obligation! Title 18 USC SS 514!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I pulled my credit report and noticed there were several inquiries on my credit report, along with a account that I did not authorize and a address that does not belong to me. Inquiries listed below I would like removed from my report XXXX XXXX reported on XX/XX/XXXX, XXXX reported on XX/XX/XXXX, XXXX reported on XX/XX/XXXX XXXX XXXX reported on XX/XX/XXXX, XXXX XXXX reported on XX/XX/XXXX, XXXX XXXXXXXX reported on XX/XX/XXXX XXXX XXXX reported on XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX reported on XX/XX/XXXX. Address listed below I would like removed from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX. Accounts listed below I would like removed from my credit report XXXX XXXX. These items listed are fraudulent and were not authorized by me and I would like them removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is again reporting on XX/XX/XXXX XXXX XXXX Bank dba XXXX XXXX product XXXX XXXX  loan # XXXX as 30-59 days past due to Transunion, XXXX, and XXXX in XXXX and XX/XX/XXXX. This loan was CURRENT and never past Due. It has payments received on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and is CURRENT. This dropped my credit score across all 3 credit bureaus XXXX points and caused me to be denied housing as a result if my credit tier rating dropping. Resulting in irreparable harm.This is a blatant UDAAP violation. This is the second loan that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has fraudulently reported past due that was in fact current. I am filing investigation requests at the Texas State Attorney General office. They decimated my credit score last year in XXXX with the same Deceptive practice on previous loan. 

This was not resolved with previous investigation and I am attaching a screenshot dated XX/XX/XXXX that shows the account is due for XX/XX/XXXX. 

The account is current!
Product: Debt collection

I am writing to formally dispute and request the removal of inaccurate information on my credit report pertaining to late payments. I insist that these accounts be updated to accurately reflect the payments made and that any negative information be rectified accordingly. 

The late payments in question are as follows : 1. Creditor Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Inaccuracy : XXXX XXXX XXXX XXXX  2. Creditor Name : XXXX Account Number : XXXX Date Opened : XXXX XXXX XXXX  Balance : XXXX Inaccuracy : XXXX I want to bring to your attention that the payments for the mentioned accounts were made in a timely manner, and there is no basis for the reported late payments. I request that you investigate and update the information to accurately reflect that the payments were made on time. 
Furthermore, there is no remaining balance on these accounts that would suggest a missed payment. I have diligently met my financial obligations, and it is crucial that my credit report reflects this accurately. The inaccurate reporting of late payments is not only misleading but also damaging to my creditworthiness.
Product: Credit card

I spoke to someone from the company, and they informed me that they resolved the inaccuracy on my credit report, but the false information was still there when I checked it. Ultimately, this affects my credit profile, and I would like the following removed. 


Account name : XXXX Account number : XXXX
Product: Checking or savings account

On XX/XX/XXXX my Comdata account was used fraudulently for {$140.00} at XXXX XXXX # XXXX. Upon detection ( late XXXX ) I filed the Comdata dispute form for the transaction, my Comdata card at the time ended in XXXX, notifying them of the fraud transaction. On XX/XX/XXXX Comdata emailed me and informed me that my claim had been approved and that funds would be credited back to my account. As of XX/XX/XXXX I have not received the credit of {$140.00} to my account. I emailed the Comdata service department on XX/XX/XXXX, XX/XX/XXXX, and multiple times throughout XX/XX/XXXX with no resolution. I have copies of my dispute form submitted in XXXX as well as all email correspondence should you need it..
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been so agitating waiting for Bureau 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries and incorrect personal information that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries and personal information but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries and incorrect personal information I am disputing. 

ADDRESSES : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Credit Bureau failed to provide my requested written authorized validation evidence of fraudulent inquiries from companies per Fair credit reporting time frame of 30 business days. My request to delete go unanswered and customer service representatives confirmed receiving my FTC report but state they are unable to provide validation of inquiries.
Product: Debt collection

XXXX2014 {$100.00} Currently disputing. 
Hello. As i was doing my research. It shows i have a debt that does not belong to me from CONVERGENT XXXX XXXX who is also not licensed in FL to collect any debts. May you please contact agency to remove debt as soon as possible. Thanks for your cooperation.
Product: Checking or savings account

someone scan my debit card info out of the a XXXX gas station ( XXXX XXXX and XXXX XXXX in XXXX XXXX CA ( this is according to the Chase Bank representative ) on XX/XX/XXXX someone withdraw about XXXX dollars out of my checking account in 4 transactions XXXX, XXXX, XXXX and XXXX. None of these was made by me. 

Chase refunded all but on transaction of XXXX, because according to then the geographic location and the fact that i previously had withdrawn money from the ATM proves to then that I was the one doing the transsaction. 

When I tray to escalate the claim, they ask me to file a police report, which i did on XX/XX/XXXX. I took the report case number back to the bank, but they now the answer is that for them the case is close and only if the get a subpoena to see the video tape of the ATM in question will reopen the case
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. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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