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

This complaint is with Santander Consumer. First off I had no idea who my auto loan was through up until recently when I went online to check my credit score and saw they now have reported 3 missed payments on my credit report. I spoke to a representative about this issue and she advised me that this was a reoccurring problem theyve been having with multiple accounts they have with their customers. She also stated that they have been attempting to reach out to me but from what I can tell from my phone records I obtained separately through my carrier they continuously use different phone numbers. So because its never the same number my phone automatically filters it as a potential spam call which means it mutes any unrecognized call.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked into my credit and found several accounts that didnt belong to me from finger hut. I disputed it however theyre certain that the account belongs to me. I asked for proof that I opened the account but non was provided to me! This account appears on my credit report twice theyve also sold the account to a collection agency, so not only are they trying to collect but the collection agency is also to collect which is clearly showing on my credit report as a debit and its showing as recent as XXXX which isnt true this fraudulent account has been on my credit for over 7-8 yrs. But Im just made aware of this. Im also having an issue with an Old car loan that was opened in XXXX thats saying that I owe XXXX on a car that was all paid for Except for {$690.00} which was the original charge off the past due was {$780.00} the Car was stolen in XXXX they keep re submitting this on my credit report my car was stolen In XXXX. I provided the police report to the finance company yet theyre showing that the debt was as recent as XXXX and thats not true! I only owe {$780.00} which was all owed from me because the insurance paid the rest! Unfortunately I didnt have GAP insurance so I was left with a balance of XXXX,, at the time I was upset that my car was stolen not to add that I had to repurchase a new one so I couldnt afford to pay them and buy another car! They refused to work with me so it went on My credit! I have a Police report support what Im saying! That this was in XXXX not XXXX! These people are making it impossible for me to reestablish credit by putting fraudulent, false and negative things on my credit
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

Someone stole my personal information and identity and opened up unauthorized and fraudulent accounts using my identity. I have been receiving harassing, threatening and death threats telephone calls from various creditors. The following accounts are unauthorized and fraudulent accounts : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX, U.S. Department of Education.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX This company, based in XXXX XXXX, NY has been employing intimidation tactics to collect a credit card debt that has been written off by CITIGROUP/ bank. 

I called citi today, and was told they have no recourse because my debt was sold and written off. My credit score is low, and it is because of this debt write off. 

Today, they sent 2 men, without identification to my door in an effort to serve me a fake summons. Previously, they called my friends and relatives at all hours looking to collect my debt. 

The summons, document does not have original signatures or notarization. their is no formal response letter, or numbered of summons. 

I contacted my Attorney General Office, DA, FTC and FDIC and congresswoman. 
i will file a complain with Attorney General and CFPB. 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

This " credit reporter '' requires copies of sensitive personal information to be physically sent in order to get a copy of a credit report. There is no online access. They don't answer the phone during normal business hours despite multiple attempts. Their scoring does not take financial obligations or history into account.
Product: Credit reporting

I obtained my credit report and discovered multiple errors. I send a letter to Equifax stating I was disputing a Bankruptcy on my record. The first letter that I sent was on XX/XX/XXXX and it was signed for on XX/XX/XXXX. I received a letter back stating they had " verified '' this using a third party ( XXXX ). I sent a second letter on XX/XX/XXXX and it was signed for on XX/XX/XXXX, stating that I was requesting the information that they used to " verify '' the bankruptcy. Again, I received a letter saying they verified this information using XXXX, but did not prove and documentation to me as verification. I mailed my third letter on XX/XX/XXXX and it was signed for on XX/XX/XXXX. I called Equifax and asked to speak to a supervisor in dispute. Again, I was told that the information was verified and I was denied any proof when I requested to have it sent to me. 
My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Equifax Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). 
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 
I have given Equifax multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated.
Product: Debt collection

I have a payday loan from XXXX and a collection agency recently re-aged the debt to XXXX and put it on my credit report and never contacted me to dispute it. In Nevada the statute of limitations for collecting the debt has already passed and the reporting will expire this year as well. I am VERY concerned that they were able to re-age this debt to appear newer! Isn't this a blatant violation of Federal Law?? The collection agency is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have already submitted a complaint on XX/XX/2024 with you guys and attached police report, identity theft report, and identification to request items be removed or deleted or proof of validity from previous dispute requests be provided. Either deleted in 4 days or proof be provided within 15 as law states. Some items were removed but not others and they were all identity theft. Companies responded still working on it but thats unacceptable because investigation was already done prior so where are the results validating these accounts and if not why are they still reporting
Product: Checking or savings account

On XX/XX/2018 a withdraw of {$2500.00} was made by Navy Federal Credit Union ( NFCU ) from my XXXX checking account. They said it was " preauthorized '' which I didn't even know who they were. I told them to send me proof of my signature on anything for which I knew there was none, because I am the only person on my account and knew I didn't sign anything. They said there was no way of providing me anything proving my signature on anything.
Product: Credit reporting

Experian ... this agency had 2 extra social security numbers that were not mine. They had my birth year wrong.they had 12 different/incorrect spellings of my name and many derrogatories that did not belong to me. They have my address associated as a business Ive never heard of. 
I placed a fraud alert to my file and began disputing the above. To my knowledge the above mentioned has been corrected. 
My complaint today is that in the dispute processes, Experian deleted ALL of my positive reporting histories. XXXX XXXX loans on my high credit truck note pd off XX/XX/2014, and XXXX positive reportings from XXXX. They literally wiped out all of my credit and I dont even rate a score. 
The bank that originally reported no longer reports to Experian. 
I think, in all fairness to me ... because they deleted these accounts unwarranted, that they should put them back on. My score is XXXX because of these deletions, I cant even quqlify for a credit card to build credit..I was even turned down a secured credit card. I have tried to handle this through Experian but they refuse to repair this mistake solely made by them for me to suffer. 
Im sending pictures of the accounts deleted ... and a letter with copy of my high credit reportings from the bank which they only report to XXXX now..so they say.
Product: Vehicle loan or lease

I have leased my XXXX XXXX XXXX through Hyundai Motor Finance since XX/XX/XXXX. The lease term expired in XX/XX/XXXX and I decided to buy out the vehicle. The buyout quote was {$11000.00}. On XX/XX/XXXX, I applied for a loan from my financial institution, XXXX XXXX XXXX XXXX and was provided a bankdraft to send to Hyundai Motor Finance. The payee name was " XXXX XXXX XXXX '' as instructed by the Hyundai website. I sent the bankdraft on XX/XX/XXXX, and it was received and processed by HMF on XXXX XX/XX/XXXX in the amount of {$11000.00}. On XX/XX/XXXX, I received correspondence from my financial institution that the bankdraft was returned unpaid because Hyundai Motor Finance improperly endorsed the instrument. On XX/XX/XXXX, Hyundai marked my account as delinquent after the check was returned. I have tried contacting Hyundai to rectify this on XXXX XXXX, to no avail. No one seems to be able to figure out how to correctly endorse the bankdraft, and now they want me to pay an increased buyout amount. I have been unsuccessful in attempting to finalize the buyout and need help. XXXX XXXX says that Hyundai has to be the one to correct the endorsement on the bankdraft and I have been unsuccessful in accomplishing this.
Product: Debt collection

In XXXX I closed my XXXX cable account by paying what I owed in full. I would not have been able to closed the account without paying what I owed first. 

I received a bill from XXXX XX/XX/XXXX ( over two years later ) stating that I owed {$180.00} without any documentation as to why I owed this. I contacted XXXX Customer Service and was informed that they had just updated their software systems and they alleged that I owed the {$180.00}. I told customer service i closed my account two years ago and it was paid in full at that time. Customer service could not provide me with any information as to why I owed this debt two years later, other than that there was a computer glitch. As far as I know, a company ca n't just make up a debt and say you owe it without physical evidence. 

A week after I received the bill from XXXX XXXX, My alleged account has now been turned over to a collection agency called Convergent on behalf of XXXX XXXX, stating that I owe the {$180.00} and need to pay it immediately. 

These are the alleged account numbers ; XXXX account number XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Convergent Outsourcing, Inc. account number XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX I do not owe this money, and I request that you help me.
Product: Credit reporting or other personal consumer reports

Im not sure of the exact dates but what I do know is I ordered something from XXXX and I never received the hair cutting clippers and as for the rain boots they were worn old and muddy when I received them so I returned them I have proof this is a fraudulent account id like the credit removal off my credit file.. and also a XXXX for each time they reported to my credit fraudulently asap
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Account # XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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.
Product: Payday loan, title loan, or personal loan

I have been trying to contact this company I can not get anyone to talk to me. I need money for a payment to be able to take XXXX XXXX  & XXXX. I have paid every two weeks for 10 weeks now XXXX for a very small loan. I have been asked to make this amount of payments until XXXX. This company is ripping people off that work hard everyday.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi On XXXX/XXXX/2021 I sent you another letter asking you to investigate the errors on my report but I still havent had any response from you I am not sure if I am doing something wrong but requesting to remove negative items that are inaccurate should not even be that hard. Please reinvestigate my situation or I might really take this complaint to the next level. I am following a dispute procedure from a certain law expert so please don't take this matter lightly
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I leased a Honda for 36 month term which ended XX/XX/XXXX. I bought the same vehicle on XX/XX/XXXX. Paid all my dues including the buyout amount on time XX/XX/XXXX I got a statement to pay {$480.00} for Personal Property Tax CITY OF XXXX . I paid that on time as well and the account was CLOSED. 
All my credit bureau reports show the XXXX account as CLOSED on XX/XX/XXXX and in good standing so far XX/XX/XXXX, Seven months after account closure, I got a statement from XXXX to pay {$560.00} for Personal Property Tax CITY OF XXXX XX/XX/XXXX Being the second property tax in same year, I gave a call to XXXX XXXX XXXX help desk. The support person was not able to clarify which year this payment is being asked for. He incorrectly stated that this payment is for XX/XX/XXXX and the one before in XX/XX/XXXX was for XX/XX/XXXX. I didnt reside in XXXX in XX/XX/XXXX, hence there should not be any tax so I requested them to check the records if there has been duplicate payments and also send me the copy of tax notice *Support person stated that they will send the tax notice via physical mail within 7 days. The mail didnt arrive. 

XX/XX/XXXX I got a Robo call from XXXX . I gave a call back to XXXX XXXX XXXX and explained the whole situation to a different support person. Support person stated that they will send tax notice via regular mail XX/XX/XXXX I also opened an online Case/question on XXXX XXXX website. XXXX XXXX # XXXX. Please find attached the Case details, content and all online tracking information XX/XX/XXXX I received the tax notice and clarification to my original question. Tax payments were for XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX I paid the full amount {$560.00} XX/XX/XXXX XXXX reported to all credit bureaus that my account is Delinquent. My credit score got adversely impacted XXXX Present : I requested all credit bureaus to check on this but they are not able to help. XXXX recently made my 36 month term to 48 month term on XXXX and account as delinquent with 30 day late *I have never paid XXXX XXXX late nor made late payments on any other loans or credit cards in past. I just asked a question and paid the full amount as soon as it was clarified. The property did not belong to XXXX in XX/XX/XXXX and they should not have paid tax on my behalf seven months after I made the purchase and charge me on an account which I had closed. 


*Attachment summary & proofs : 1 ) XXXX complete financial transaction history 2 ) Phone company records for the calls I made to XXXX helpdesk 3 ) XXXX online Case correspondence
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loans and credit cards listed on my credit report that I have no knowledge of. Someone has been using my credit before I even got the chance to. I never gave anyone access to any of my personal information. Below are accounts XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXX XX/XX/XXXX {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2020 my student loan balance increased in error in the amount of {$1200.00}. My loans are currently in a forbearance status due to COVID-19. I contacted Fedloan Servicing and stated they did not see an increase. My credit score dropped 51 points due to this error. I was in the process of trying to apply for a mortgage and unfortunately will be unable to until this issue is resolved.
Product: Debt collection

Account Control Technology , Inc., has not honored my cease and desist telephone communications requests. Several times inXX/XX/2019, specifically, XX/XX/XXXX, and XX/XX/XXXX, I had rather intimidating and belittling phone calls with a representative ( Id # XXXX ), who used demeaning and aggressive language towards me. On one of the calls, she instructed me to get a prepaid card ( on which I would accrue monthly fees ) in order to make a payment and when I asked her if there were any other options available to me, she reiterated that if I did not make a payment within 30 days of receiving the notice of wage withholding, my wages would be garnished through an administrative garnishment. 


Under the threat of an administrative garnishment, not having the money, feeling belittled by ACT, and based on the threatening and condescending manner with which they spoke to me, I purchased a prepaid card in order to make the payment and enter into an arrangement for subsequent monthly deductions from the card. ACT collected money from me in order to execute the agreement. However, on the same day that I made the payment, prior to providing ACT with my card information, I requested that they provide me proof that I owe the debt because I could not find documentation it based on a review of my personal records. 


Today, XX/XX/2019, I again received several calls from a number that ACT called from on XX/XX/2019. On the XX/XX/2019, call, I told the representative that I requested that they stop calling me a few months ago and that I only wanted letter communications. Also, today XX/XX/2019, ACT sent me an email about the debt. It has become unbearable. 


Also, I spoke with XXXX, the federal student loan servicer, to ask if ACT was collecting on their behalf and the XXXX  representative said " no, '' which increased my suspicion of ACT. ACT began each call with me by stating that " they've been hired by XXXX  '' to collect, which caused me a lot of stress.

I ask that all the calls connected to the account on which ACT is attempting to collect be reviewed. In those calls, you'll find evidence that : - I requested that ACT not call me ; - My communications with ACT reps were abusive ; - ACT reps deceptively represented to me that they were hired by XXXX  to collect the debt ; - ACT used the threat of garnishment to take a payment from me before providing me proof that I owned the loan ; and - ACT may have committed other violations of consumer protection laws and infringed on any rights granted to me under those laws.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

hello. i have tried to fix my credit with equifax serveral times. i even had a my mortgage comany reach out to them and try and fix my credit. yet they still will not fix it. i have gone threw several times and sent them all my information drivers license and social security copy and i have wrote letters and they still will not fix it. i need this fixed so i can do normal things without my XXXX having to co sign for me cause they can pull XXXX of my scores but not my thirs score. it has hindered my life and if this does not work i will need to take legal action and get representation. 
i have been dilligantly working on this for the last XXXX years. I have no improvment thus far. 
I can not attach files as all the files i have sent include extremly sensitive information. if it needed please reach out to me and i will directly send them to you thank you.