23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Equifax several times and they are in strict violation of HIPAA. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. i did not give my permission verbal or written to disclose any of my personal medical records to third parties. Equifax is reporting 4 collection accounts ( 3 w/ XXXX XXXX XXXX & XXXX XXXX XXXX XXXX ) No validation of debt and HIPAA Authorization has been provided from either the collection agency nor Equifax XXXX Furthermore, the credit bureau should not be reporting a debt until it has been validated by me.
Product: Credit reporting or other personal consumer reports

this is not validating proof you requested for vertification of proof and i am sending you my ID. Your company has violated the FDCPA By furnishing deceptive froms and compiling information to make it as it is mine. your company is also violationg the FCRA you are reporting this account on my credit inaccurat and incomplete. 


your company is causing damage to my reputation emotional distress anxiety and defamation to my characted Please delete this account, XXXX AND XXXX do not reflect it on my credit only treansunion and i will seek legal help if this is not remvoed because it is still showing on my report. 

account name XXXX XXXX  account - # XXXX ID ATTACHED - ACCOUTN ATTACHED.
Product: Debt collection

Credit Protection Association used lies and deceit on several phone calls. Eveery agent did not recite the mini miranda. I was told by XXXX agent that thy do not accept settlements. Then i was offered XXXX. The next agent gave me a settlement figure and I told them I would raise the funds. XXXX XXXX stated that I did not respond within 24 hours and I have phone records to prove otherwise.
Product: Vehicle loan or lease

Santander Consumer USA XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX This account was openened on my credit report on XXXX XXXX, XXXX ( XXXX, XXXX ). The account closed on XXXX. XXXX, XXXX written as charges off as bad credit, profit, and loss write off. The amount owed on this account is {$24.00}, XXXX. Santander Consumer USA on a recorded line stated that they did not want the vehicle. The vehicle was suppose to be picked up from Santander Consumer USA, to be sold at the auction. The profits from the auction were to be added to my account balance. Santander Consumer USA stated that the car would be to expensive to fix, they got all of their information supposedly from the tow yard owner. Santander Consumer USA did not send their own adjuster that works for their company to see how much the damages were. They took word of mouth from somone who couldve been providing them false information, especially since Santander Consumer USA never laid eyes on the car to determine the damages. Despite this wrongful repossession that has been reported to my credit, I have also been harassed several times a day with phones calls concerning this account. When asked for specific information concerning this account, the customer service representative could not provide the information. 

This is my second time filing a complaint with this company. Santander stated in the last response to my complaint that I was told several times that they no longer took interest in the car. This statement is false. I called once requesting information on the investigation, at that time I was told Santander no longer took interest in the vehicle. It was not told to me several times. I am requesting the recordings of all phone conversations since this account has been open. I am also requesting the fees and vehicle damages from the XXXX XXXX XXXX that was impounded at XXXX XXXX. Since the vehicle was never secured, how does the company know the amount of damages that occurred to the vehicle, if it was never seen by anyone from the company. Santander again took the word of a tow man, who couldve been telling them false information. The fees continued to build up, due to the rules and regulations of the Santander USA investigation process. 

This account was charged off as bad debt, meaning that its still considered a repossession to all banks and car lenders. 

Since nothing has been resolved and the company clearly has done things unrightful and unlawful. My next step will be filing a lawsuit, amongst the several other lawsuits that have already been filed against this company including the civil lawsuit, for unrightful repossessions. 

I am again requesting that this account be removed from my credit report, completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT INQUIRIES THAT I DID NOT INITIATE ARE : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I would get overdraft fees and my account would go over even though my account said I had the money in it
Product: Debt collection

To Whom It XXXX Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again, is the incorrect information being reported : XXXX / XXXX. # : XXXX / Bal. {$720.00} Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is irrelevant. In fact, the United States XXXX has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days, not XXXX more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Checking or savings account

XX/XX/21 XXXX, Ga- discovered check I mailed was stolen from mailbox. Pay to and amount was changed and it cleared my account. Reported immediately to XXXX XXXX XXXX to open fraud case. They said they had 10 days to research. Called back after 11 days and they said they had 30 days. 30 days later was told by email needed to send notarized affidavit which I did, now XXXX XXXX XXXX is saying theyve turned it over to PNC the bank that cashed the altered check and PNC is saying they have 120 days to research. In the mean time, Im out XXXX that hasnt been restored to my account. Trying to find out what I can do to get this corrected.
Product: Consumer Loan

Santander Consumer keeps calling me at work. I have informed them over a year ago to note the account that my employer prohibits these calls and I could lose my job if they keep this up. I have also informed them that unfortunately I can not keep the vehicle due to XXXX wage garnishments. XXXX from the federal government for student loans and XXXX from the state of California for back taxes. I have asked them If I can return the vehicle for a voluntary repossession. They are not listening to me and keep asking for payment, they said they will not come get the vehicle. They have called me XXXX times at work in the past few months with the last call one day during the week of XXXX XXXX 2015. I am tired of asking them where I can drop off the vehicle and they really need to stop calling me at work. My boss is already difficult and he is not happy about these calls. These people know what they are doing and this harassment is not warranted. I want to press any charges that are available to me. I am sorry I defaulted on the loan it was not my intention. I barely have the money to live on and they are stressing me unecessarily.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It XXXX Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. Collection Creditor : XXXX XXXX XXXX Collection Creditor : XXXX XXXX
Product: Credit card

We contacted Chase on XX/XX/year>, to report the card was fraudulently opened. At first, Chase told us that those charges would not be our responsibility, however then after a review they said it was our responsibility. Both civil and criminal charges ( XXXX XXXX  ) have been filed in the XXXX XXXX XXXX XXXX, Indiana against the lady who opened this card. Chase says after their review ; it is a civil matter not their issue. The application was made online with incorrect information ; however Chase still approved the card. We are willing to provide any additional information needed.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I purchased an item on XXXX for {$1100.00}. I opened my Bank of America app and initiated a XXXX transfer in that amount to the seller. I later learned that the sellers account had been compromised and that this was a fraudulent transaction. I contacted Bank of America and while they did file a " billing '' complaint they offer no other protections to their customers. I believe that if Bank of America is going to have XXXX within their own app then they should stand behind the product and offer protection to their customers. Bank of America basically told me that there wasn't much they could do and that I needed to talk to XXXX. I filed a fraud complaint with XXXX and I received an email stating that they will look into the matter to prevent this from happening to anyone else. I believe that Bank of America and XXXX both have an obligation to their customers to provide purchase protection when utilizing their services.
Product: Checking or savings account

A checking account was fraudulently opened using my information in New York I have never lived in New York
Product: Credit reporting or other personal consumer reports

Attending to obtain a mortgage from a mortgage company and Equifax has my credit report blocked. Not able to move forward with mortgage. Mortgage company unable to view credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Account for XXXXl XXXX XXXX and several other account are wrong sent a response two months ago and have to get a response. the card has inaccurate information reporting across 2 different bureaus which is a violation of FDCPA. I sent a dispute 2 months ago and received no response this is hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I have been treated unfairly by Equifax, XXXX XXXX. Before I go to a lawyer, I am contacting cfpb to help with this matter.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out letters on XX/XX/2022. 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.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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. Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate within 30 days. 

XXXX Account, has violated my rights. 
XXXX # XXXX XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Jefferson capital and have still not been provided with validation that this debt it mine and it is being listed on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit reports on the federally provided link at https : //www.annualcreditreport.com/XXXX XXXX with each credit report ; XXXX, Experian & XXXX XXXX XXXX notice I have several fraudulent inquiries in which I am not familiar with nor did not authorized. The inquiries are as follows : EXPERIAN : Informative Research Inc inquired on XXXX XXXX Report inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquired on XXXX XXXX XXXX XXXX inquired on XXXX XXXXXXXX XXXX XXXX inquired on XXXX XXXX XXXX inquired on XXXX XXXXXXXX XXXX XXXX inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX inquired on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX : XXXX inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquired on XXXX XXXXXXXX XXXX XXXXXXXX, XXXX via XXXX XXXX XXXX inquired on XXXXXXXX XXXX XXXX XXXXXXXX via XXXX XXXX XXXXXXXX inquired on XXXX XXXXXXXX XXXXT via XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquired on XXXX
Product: Credit card

I stayed at the XXXXXXXX XXXX  on XXXX XXXX XXXX where they held a {$190.00} incidental hold. The transaction has been settled. A receipt has been provided and yet cash app will not return the difference back to my card and are only willing to do so after 30 days I would like to have the {$100.00} return to my car immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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, CA XXXX XX/XX/2014 XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX XXXX : {$17000.00}
Product: Mortgage

Upon exiting the Forbearance plan, On or around XX/XX/XXXX, representatives from NFCU started contacting me to sign the XXXX XXXX deferral agreement. I applied for the SC Housing assistance grant on XX/XX/XXXX, and each time a representative from the bank would call between XX/XX/XXXX, up until the date I signed the deferral agreement, I explained to them I applied for the SC Housing Assistance grant. Each time they called me, they said if I did not sign the loan modification form my house would go into foreclosure and my credit would have been damaged. 
They sent me the XXXX deferral agreement XXXX or XXXX times before I signed it. When I signed this document, I did not know it would affect my grant. The representatives that contacted me upon exiting the forbearance plan led me to believe the grant would have still been applied to the debt once it got approved. 
On XX/XX/XXXX, I signed the COVID XXXX deferral agreement, On XX/XX/XXXX, I received an approval email from SC Housing for the XXXX, On XXXX XXXX a representative applied the XXXX to the account. When I noticed the amount was incorrect and the balance was still the same, I contacted NFCU, and nobody could tell me the problem. After pursuing the issue non-stop, on XX/XX/XXXX, a representative at NFCU explained the debt could not be paid because I signed a deferral agreement and not a loan modification. 

In addition to that, upon exiting the forbearance program none of the Representatives educated me on Forbearance exiting options. At that time, I submitted a loan to refinance my home and NFCU denied my loans twice. 
XX/XX/XXXX ( XXXX ) - Loan Denial Reason- Excessive Obligation to income. I immediately contacted the Loan Officer, and she explained my XXXX Loan payments were too high. 
After discovering the mistake, I provided proof my XXXX loan payments were not {$700.00} plus dollars, the payment was {$110.00}. 
XX/XX/XXXX ( XXXX ) -Loan Denial Reason-Insufficient Income Due to not being able to refinance my loans or get the assistance I needed, my payments for XXXX and XXXX of XXXX were late. NFCU reported the delinquent payment to the credit agency and my credit score decreased.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  the mortgage servicer of my loan sold my loan to XXXX XXXX after I paid it off. XXXX XXXX reported to the credit bureaus that I owed them $ XXXX when the account was at a XXXX balance. Then XXXX received the loan back from XXXX XXXX and it took them a very long time to resolve the issue. I disputed to the credit bureaus that I should not have a mortgage balance with XXXX  $ XXXX nor XXXX XXXX. XXXX removed the balance of my account, I also complained because they lied to me about mailing my escrow funds timely as required, and they swore they mailed it on XX/XX/XXXX,  which never arrived. A customer service rep requested for a stop payment in XX/XX/XXXX. I received the escrow payment refund from XXXX a month later the stop payment check and the envelope post dated XX/XX/XXXX. Now XXXX has used my credit report unlawfully by adding that I owe XXXX $ XXXX as a new account after this loan closed in XX/XX/XXXX. I received a letter from XXXX at XXXX for complaining for rationalizing the error that occurred that should of never happened. See the copy of my Transunion credit report. XXXX is retaliating against me for making so many complaints which I will address outside of the CFPB.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Ive disputed this account with XXXX for reporting several inaccuracies of payment history on my consumer report with them. Instead of removing and/or updating payment history, the original creditor Acima Digital FKA Simple , ( account # : XXXX ) has just updated the alleged balanced owed. In accordance of U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. Ive made positive payment history that has not reflected on this account from XXXX. This creditor has violated this law, fraudulently reported inaccuracies on my XXXX consumer report, not taken the lawful steps to correct these inaccuracies, and has caused many headaches in my goals to repair my credit history.