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

I have repeatedly signed up for electronic billing statements and notifications through the website santanderconsumerusa.com. At one time I received them and then it stopped. The last statement I received was XX/XX/2018. 
At this time I am uncertain as to whether this is sloppy record keeping on their part, deficient technology, or a policy of provoking late fees. There is also no electronic confirmation of payment, which is a standard feature of all websites which accept electronic payments. 
Today I submitted an electronic payment, and as usual, I am uncertain as to whether it went through. Checking my account statement page, there is no indication a payment has been applied. I attempted to use the contact form on the website. Upon submission I saw a splash effect indicating that something was processing but there was no indication the form was submitted, such as a confirmation page. I repeated this several times. The only method to get out of the form was to cancel. 
I work for a company that conducts usability research - testing websites to see how well they work - so I am familiar with the expected functionality of such forms. This is not typical. 
I am submitting this complaint as I am unable to contact the company through the means they provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2021 XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2400.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Prior CFPB complaint related to this complaint here today is ( XXXX ) I have previously sent out a complaint through the XXXX XXXX to rectify my information on my credit report not reporting a 100 % accurately. And my rights being violated, i also made a complaint statement regarding the tax fraud That XXXX, Transunion and XXXX .How your company is illegally reporting a charge off on my credit report still You violated FCRA 15 USC 1681eb and the information you reported is not 100 % accurate. Ontop of the Tax Fraud you have committed. My complaint today is to address the willful neglect and lack of response to my previous complaint with the CFPB i have give me 30 days which is the more the reasonable time. For you to fix the situation i have not received the response back or letter regarding these matters. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, These account are still On my credit report.. Remove them at once. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In trying to resolve a disputed error on my credit report with XXXX XXXX  XXXX XXXX Iowa and XXXX XXXX XXXX, MN for more than a year and to no avail have they responded to the error made on my credit report. To date, it continues to show a late payment entry of 60 days back in XX/XX/XXXX as that is impossible since the account was closed and transferred to another lender with the same account number and that one showed no late payments and paid-in-full. It appears that I have a double entry for two of the same accounts. After being assured that all would be resolved, all ( 3 ) credit bureaus still show inaccurate payment information. I was then advised it was up to me to dispute with all ( 3 ) credit bureaus and I did just that. I have written countless dispute letters for more than a year and no removal. I have been trying to clear this matter for over a year with all ( 3 ) credit bureaus XXXX XXXX and TransUnion and creditor directly. On XX/XX/XXXX, I submitted this directly to CFPB Agency and they have confirmed and received documented information re ; this dispute from XXXX XXXX XXXX XXXX Iowa and XXXX XXXX XXXX XXXX, MN that they were not able to verify any late payments and the inaccuracy reporting on my account should be removed by all credit bureaus.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation!

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 if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once! '' XXXX XXXX XXXX XXXX - XXXX {$18000.00} XXXX - XXXX {$0.00} XXXX - XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXX : {$1900.00} XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$920.00} XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXXXXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$210.00} XXXXXXXX XXXX XXXXXXXX XXXX : {$3500.00}
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
XXXX XXXX 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

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Update to Open/Never late XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete from my credit report. 


XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX  Account Number : XXXX Update to Open/Never late XXXX. Unpaid balance reported as a loss by credit grantor XXXX Account Number : XXXX Update to Open/Never late XXXX. 15 U.S. CODE 1681B - XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX is reporting late payments on my account and the account has been payed off! This is a billing error and I'm requesting that this is removed asap under 15USC 1666B
Product: Credit reporting, credit repair services, or other personal consumer reports

When I went to view my credit report someone have fraudulently opened a account in my name without my permission. I filed a police report and a identity theft report and listed Freedom Plus as one of the companies that is a part of the Identity theft. I have tried calling the company and have not been able to get this issue resolved. This account was opened in my name and my husband name fraudulently
Product: Credit reporting, credit repair services, or other personal consumer reports

The uploaded letter does not shows and download properly on my complaints submitted minutes ago : XXXX and XXXX to XXXX XXXX and Island Finance Puerto Rico XXXX 

Because this letter received from Island Finance attorney is the main proof I have right now, I have to be sure it is clearly seen and properly uploaded here at the C.F.P.B so I have no choice but submitting this new complaint to correct this.
Product: Checking or savings account

This is my second complaint regarding my savings and checking account with Citibank. They put me through the wringer trying to close my accounts a couple of months ago because I didnt save my ATM card and I was told everything was linked to the ATM card. They also would not honor the promotional program I signed up for, they said the program was totally different than the one I signed up fo.r. After I lodged a complaint, they gave me my money ( XXXX ) and I wrote to them to close out both accounts. On XX/XX/19 I verified online that the Savings account, # XXXX, was cancelled, as I never got an acknowlegement in the mail. Today I get a statement for the savings account showing a monthly service fee of XXXX and an overdraft fee of XXXX for a total amount owing of XXXX. I reiterate, on XX/XX/19 the online account showed that the account was closed. I just got off the phone with XXXX, XXXX and he said he will remove both charges and close out the account, however, I would still like to make this complaint, as it is sneaky and it if weren ; : t for me calling and telling them I was making this complaint I do not believe they would have fixed it. XXXX gave me some ridiculous reason for this but I know what I saw when I went online to verify the status. I would lke this complaint made for unfair business practice and sneaky business practice.
Product: Debt collection

I received a letter from a Enhanced Recovery Corp, a collection agency last spring for a debt for XXXX cell phone service. This is not my debt-I do not even have a XXXX cell phone account. After contacting Enhanced Recovery several times, as well as XXXX, I found out that the account holder is another man with the same name as mine ( which is a " common '' name according to an Enhanced Recovery representative ), but he has a different address ( his address is in Texas and I have lived in NC all my life ) and a different date of birth. In addition, the XXXX representative told me that there is not a social security number associated with the debt. I sent a certified letter to Enhanced Recovery saying that this was not my debt and they were contacting the wrong person. Thus, I thought this problem was resolved a few weeks ago, but now I see that Enhanced Recovery has submitted a complaint on my credit report. I do not know how this is possible if the date of birth for the account holder is different and they have no social security number. So to be clear, it does not seem like anyone has stolen my identity. Rather, Enhanced Recovery has limited ( and erroneous ) identity information on this debt and yet still continues to try to collect this debt from me. There are no other problems on my otherwise stellar credit history. This complaint from Enhanced Recovery on my credit dropped my score from over XXXX to XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Cease and Desist of Unauthorized Credit Reporting Compliance with Texas FCRA Identity Theft Fraud Laws Dear DISCOVERBANK, I am writing to address a grave infringement concerning the unauthorized reporting of information to my credit report, as mandated by both federal and Texas state laws, including the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Texas Finance Code Sections 392.301 and 392.305, alongside the pertinent identity theft fraud statute, Texas Penal Code Section 32.51.

It has incontrovertibly come to my attention that DISCOVERBANK Account Number : XXXX has unlawfully engaged in reporting to my credit file without securing my explicit consent. As stipulated by federal law, particularly the FCRA, consumer consent is an absolute prerequisite for any such reporting endeavors, as outlined in Section 1681b ( a ) ( 2 ).

Furthermore, Texas state legislation, including Section 392.301 of the Texas Finance Code, explicitly underscores the imperative nature of consumer consent for credit reporting. Moreover, Section 392.305 of the Texas Finance Code delineates explicit directives for the equitable reporting of consumer credit information. Simultaneously, identity theft fraud statutes, like Texas Penal Code Section 32.51, underscore the gravity of unauthorized access and misuse of personal data. 

I affirm with utmost certainty that I have not provided authorization for DISCOVERBANK Account Number : XXXX to disclose any information to my credit file. This glaring absence of explicit consent constitutes a blatant violation of my rights, potentially inflicting harm on my creditworthiness and flagrantly flouting federal and state statutes. 

I demand, unequivocally, that DISCOVERBANK Account Number : XXXX promptly cease any further disclosure of information to my credit file without securing my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the specified 30-day timeframe will be construed as deliberate noncompliance, subject to penalties under applicable laws, including identity theft fraud statutes. 

It is imperative to recognize that obtaining consent is not a discretionary prerogative but a legal imperative under these pertinent sections of the FCRA, Texas state law, and identity theft fraud statutes. This is not open to negotiation ; it is a demand for adherence to both federal and state regulations, safeguarding consumers like myself from unauthorized and detrimental credit reporting practices. 

I anticipate your immediate attention to this matter and expect DISCOVERBANK Account XXXX : XXXX to expeditiously rectify these egregious violations, upholding my rights under federal and state statutes. 

In good faith,
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, Account name : XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if it states Unknown payment history. 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. 

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX XX/XX/year> SPRING OAKS CAPITAL LLC XXXX XXXX XXXX XXXX, VA XXXX Phone : ( XXXX ) XXXX Subject : Cease and Desist of Unlawful and Harassing Communication Dear Sir/Madam, I am writing to formally demand that SPRING OAKS CAPITAL LLC immediately cease and desist all forms of communication regarding any alleged debt that I do not acknowledge as valid. 

Despite previous efforts to resolve this matter, your company has continued to contact me in an unwarranted and harassing manner. These actions violate my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, et seq.

Effective immediately, I demand that all further communication from SPRING OAKS CAPITAL LLC to mewhether by phone, email, or mailwill be treated as harassment and reported to the relevant legal authorities. I reserve the right to pursue legal action if this request is ignored. 

This letter serves as formal notice of my demand. I expect written confirmation within 10 days that SPRING OAKS CAPITAL LLC has received and processed my Cease and Desist request, and that no further contact will be made unless through legal representatives. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX Email : XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I reached out to you and my issue with Convergent Outsourcing is still not resolve and they are still reporting an unverified and invalidated account on my credit report in the amount of {$350.00}. Which I beg the differ. Here is the tracking # XXXX to show that they got the letter and just continues to ignore me as well as break the law. And violate my consumer rights.
Product: Debt collection

Contacted me  three years after the debt that 's supposed to be mine. was never billed or told that I  owe them any money until about two years after they supposedly was given help or service from  XXXX  was supposedly performed to me. I had insurance for a  XXXX  and they asked me to make an appointment to get   XXXX   XXXX  . I never made the appointment never needed it I saw another  XXXX  and they did not think that I needed any more   XXXX   work so I never made an appointment to get anything done and then they billed me again for having a vavity filled and I never received any other service besides the initial service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX 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 XX/XX/XXXX.
Product: Credit card

The company Synchrony I am financed through for a purchase with Conns has closed my account with them. I an unhappy with this unfair decision as I make payments monthly. I decided to put my account on auto payments cause I would be on XXXX XXXX  and the representative set it up and It didn't pick up that months payment and paid for the future payments leaving me " behind '' on a payment. I received a call notifying it had been cancelled and they demanded payment and I thought it was a scam because I know I'm on auto payment and the there are funds so I called another rep and she ensured me my account is active and wont be closed if I'm able to make this payment so I proceeded to make the payment and she advised I'm current and the account isn't closed. Today I called and learned otherwise and I'm very upset as this is messing my credit report up and totally inaccurate as I intended to pay hence why my car was on file. I believe this is unfair and I need my account reinstated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act the accounts listed below have violated my rights. 

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/scrub>, 2024 Unauthorized inquiries : My information may have been impacted by the XXXX, TransUnion and XXXX Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists
Product: Credit card or prepaid card

On XX/XX/XXXX and XXXX, 2018, I spoke with four separate Customer Service Reps at via telephone. One of my cards had been hacked and was going to be closed as a result. I have had several problems of the same nature and decided to not acquire a card to replace this one. I  am still in possession of a second card. The problem : I had 381 plus thousand reward points that are worth roughly {$380.00}. I wanted to transfer those reward points to my second card. Although I spoke with four reps, none was able to give me an answer and the points remain in the closed account. It is now showing a positive balance of $ XXXX. I paid off the balance of the account and closed it, as all outstanding balances were satisfied. The reps seemed unable to understand me, and I them. None was a native XXXX speaker, as I am. I asked them to repeat information again and again, but I was unable to receive an answer. They seem to be reading from a script. I was transferred to the wrong dept. when I asked for reward program assistance. When I finally spoke with a supervisor, I was told that I wasn't speaking with rewards program. Two of the calls had group laughter in the background so I'm wondering where the calls were originating from. I've been a customer for 19 years and have a excellent record with them. I asked for a check for the remaining $ XXXX dollars that I was able to use. I have heard nothing regarding this transaction ; however, it may be in process. I would rather have had the reward points, but felt I needed to salvage what I could. Thank you.