23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Santander Consumer USA Inc. is in violation of 15 USC 1692g, 15 USC 1692j and 18 U.S. Code XXXX. On XX/XX/XXXX Santander Consumer received a certified letter given 30 days to respond with a list of questions requesting validation of a alleged debt ( loan ) that was suppose to been provided by the company, Santander ignored the validation letter. 
On XX/XX/XXXX A letter headed second opportunity to XXXX was sent out after not receiving a response from Santander Consumer USA Inc within the given time applicable by law. Then a 3rd letter headed Notice of Discharge of obligation to pay instrument was sent to them on XX/XX/XXXX after they defaulted by not responding nor showing proof of claim. 

Santander Consumer USA Inc, unlawfully without a court order or proof of claim arbitrarily deprived me of my property without due process of law. The seizure of my property without a warrant and without a court order is a violation of FRCP rule 41 and 18 U.S. Code 983. 

I was never personally given any loan from Santander Consumer USA , Inc and was never given any accounting or receipt disclosing the transaction which took place between Santander Consumer USA , Inc and the seller. It is more then clear that Santander has committed fraud being that Santander is a Corporation/Bank and corporations or banks can not lend credit. Due to the fraud committed by Santander Consumer USA Inc, my identity was stolen due to the company using my identity to receive money from the Federal Reserve or FDIC, my rights were violated under color of law and my property was stolen from me unlawfully. 

" A bank is not the holder in due course upon merely crediting the depositors account. '' XXXX, 229 NYS 2d 142, 143. 
" Any false representation of material facts made with knowledge of falsity and with intent that it shall be acted on by another in entering into contract, and which is so acted upon, constitutes 'fraud, ' and entitles party deceived to avoid contract or recover damages. '' XXXX. 92 F 26 817. 
" The contract is void if it is only in part connected with the illegal transaction and the promise single or entire. '' XXXX, XXXX, XXXX. 
" It is not necessary for recession of a contract that the party making the misrepresentation should have known that it was false, but recovery is allowed even though misrepresentation is innocently made, because it would be unjust to allow one who made false representations, even innocently, to retain the fruits of a bargain induced by such representations. '' XXXX, XXXX. 
" It has been settled beyond controversy that a national bank, under federal law being limited in its powers and capacity, can not lend its credit by guaranteeing the debts of another. All such contracts entered into by its officers are XXXX '' XXXX, XXXX, XXXX ( 1926 ).
Product: Credit reporting or other personal consumer reports

On XX/XX/, I submitted a letter to the Consumer Financial Protection Bureau about the late reporting error being reported by the creditor, American Credit Acceptance. 

According to their response, my XXXX payment was 19 days past due as of XX/XX/, but on XX/XX/, they reported my XXXX payment as 30 days late, which reflects their error in reporting. 

According to the payment report they submitted to the Consumer Financial Protection Bureau, my payment was made on XX/XX/, and was 10 days late. 

Not only did they report my payment as being 30 days late, but the error in their reporting caused my credit score to drop XXXX points. 

On XX/XX/, I submitted a reporting dispute with the credit bureaus, XXXX, XXXX, and XXXX to have their error corrected and on XX/XX/, American Credit Acceptance updated my credit file to reflect my XXXX, XXXX, and XXXX payments as " unknown '', added my current payment status as " 30-59 days late ' and added a note on my file which reads, " affected by natural disaster '' which this inaccurate reporting caused my score to drop even more. 

The erroneous information remains on my credit report in violation of Federal Law.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 



Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act XXXX  account number XXXX, XXXX XXXXXXXX account # XXXX, XXXX account # XXXX, XXXX XXXX # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX account # XXXX, Dept of Ed Account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 sec 602 A. states i have the right to privacy.

15 USC 1681 Sec 604 A Sec 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having issues with the credit bureaus not updated my correct address.
Product: Credit reporting or other personal consumer reports

Request for Reinvestigation XXXX, Number : XXXX Dear CFPB, I am writing to formally request a reinvestigation regarding XXXX late payment records associated with my account number XXXX for the months of XXXX and XX/XX/XXXX. Under the XXXX XXXX, all accounts must be reported as " paid as agreed '' from XX/XX/XXXX through XX/XX/XXXX. I kindly ask that you ensure this account is updated to reflect my payment history accurately or that you delete the erroneous late payment records. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I am a 100 % XXXX veteran on a fixed Veteran 's XXXX compensation. My monthly income from my VA XXXX is approximately {$3000.00}. I have additional monthly requirements to pay out of that amount including my car payment ( {$210.00} ) and insurance ( ~ {$200.00} ), credit card payments ( ~ {$500.00} ), shared rent/utilities ( {$1500.00} ). 

Around early XX/XX/2019, I was approached about a potential business opportunity that required I put in {$2500.00} as a " partner '' to cover the start-up expenses like filing the business documents with the State of California and the local government. This money wasn't readily available to me so I went to " Aspen Direct '' online to see if I could get a loan. I provided my income and debt statements ( above ) to the processor. They said they could approve the amount- {$2500.00} - at 130.93 % interest. I did not understand what that meant but because I was trying to participate in this business, I signed the contract. I made all of the payments on-time and out of my personal XXXX funds. 

Approximately six months later. I received a notification that I could increase the loan principal if needed. Because of the situation with the " business '' I was trying to participate in, I accepted the offer and took out the additional amount still not understanding what the interest would mean as far as a repayment. 

I was paying these loans out of my personal fixed finances until the business was able to take-over the repayment. At that time, I called Aspen Financial to change the payment account to the business and authorized auto-pay. 

As a result of COVID-19, I was unable to make payments. I called Aspen Financial to request a deferment citing that I was financially impacted as a result of COVID-19. They would not provide any allowances for non-payment with a COVID-19 excuse. I repeatedly explained that I was on a fixed income and that my " business '' had suffered directly as a result of COVID-19 closures but they insisted that it be repaid immediately. 

I made multiple attempts to work with Aspen Financial but they have not worked with me in any capacity. I've previously requested a copy of my payments vs balance only to be told it's not available. They have now reported this to the credit bureaus as a " serious delinquency '' and a collection XXXX days.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX Balance : {$7500.00}
Product: Bank account or service

Went into local branch in XX/XX/XXXX to remove deceased, change address and add another person to account. Now the interest checks are going into account. Even after 8 visit to resolve. Now being told it would be another 60 days.
Product: Credit reporting or other personal consumer reports

LexisNexis and XXXX continues to report inaccurate information. My only name is XXXX XXXX. There should be no other names listed. My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX any other address is incorrect and you do NOT have my consent to report. This is my character that you are damaging and you are subject to federal penalties for further inaccuracy. Take note of this notice XX/XX/!
Product: Credit reporting or other personal consumer reports

There is a business debt thats on my credit that should not be on my personal credit. The debt is from XXXX bank from about 6-7 years ago
Product: Money transfer, virtual currency, or money service

I try to transfer money fromPNC to XXXX investments and PNC refuses to let me transfer my money to this company
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX late payment Was turned into my credit report I was told NOT TO PAY because BYTE was not going to be able to provide services to me. So it was on hold for 2 months. They did not notify the debt collector ( XXXX portfoilio management ) and now I have 2 late payments. 

In XX/XX/2023 XXXX reached out to XXXX to tell them it is their fault that I was late. XXXX still has not taken this off my credit report.

It was not my fault I was late, I owe them nothing No late fees No missed payments All the rest of the year. 

I want it taken off my credit report! I have the emails from BYTE, proving they have admitted fault and they are trying to fix it. Yet here I sit with a bad credit because of BYTE AND XXXX. Very very angry! I want it fixed!
Product: Debt collection

on XXXX/XXXX/16, AIH Receivables, Inc. called me on my mobile phone. I am a XXXX, & I was unable to answer as I was XXXX ( and a XXXX after that ). Within one hour, they also called and left a message for me to call them at my place of employment. They did not even give me a proper chance to call them back. I feel that it was illegal for them to call me at work, and it represented an inappropriately aggressive collections tactic ( designed, of course, to get me to return the call ASAP ).
Product: Student loan

I have reached out to AES for help with repayment on my loans and they have told me that there is nothing they can do. I had a baby in XXXX and was unemployed for a few months. I had no way to pay the loan and called numerous time to try and work something out until I was able to make payments again.Now some of my loans are in default and I have no idea what to do. It is affecting my credit and my parents as well since they were cosigners.
Product: Debt collection

HIPAA VIOLATION : In XXXX and XXXX of 2019 I recieved updated reports after I requested investigations into HIPAA violations from FINANCIAL RECOVERIES and XXXX XXXX. The results of these investigations stated that the account was verified as accurate. I was also provided with a bill and invoice stating the amount owed. I am not disputing or asking for verification. I know my rights under the FCRA and the FDCPA. I am asking for these companies to provide a copy of my signature giving my consent to release or share my medical records to a third party. I am willing to seek further legal action if necessary. 
Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had to exercise my option to defer ( extend ) payments to the end of my loan, in the summer of XXXX and XXXX. GM Financial has reported both the XX/XX/XXXX and XX/XX/XXXX payments as over 30 days on my credit, both with XXXX  and XXXX XXXX. I contacted GM Financial in XX/XX/XXXX to dispute the most recent reported late payment. After looking at the situation, they told me the deferment ( extension ) was processed after the payment was 30 days late. I reminded them that I had submitted the proper documentation and the payment to process in time. I called to follow up the next day, after submitting both the paperwork and the payment to ensure everything had been received. Their system was down that day ( Saturday ) and they could not tell me anything until the following week. I was assured it would be effective dated for the receipt date. The person in XXXX told me to file a dispute with the Credit Bureaus. I did that XX/XX/XXXX. The reporting for the XX/XX/XXXX was removed upon the resolution of that dispute. The next month, XX/XX/XXXX was reported again as late. I called GM Financial on XX/XX/XXXX to, again, go through the long process of explaining everything to hear the same responses. Finally, a supervisor assured me she was going to review it with the credit reporting team and get back to me the following week. Last Saturday, XX/XX/XXXX, I finally had time to call to follow up, after getting absolutely no response in over a month. I had to, once again, explain everything to be told the same responses, along with another supervisor telling me what " I '' would have to do to correct it. I explained in very clear terms, my next action was to file a complaint through CFPB. I asked him the time frame he needed to get a response from the credit reporting team. He said Wednesday, which was XX/XX/XXXX. I have not heard or seen any response. I purposely waited another couple days, in case something came up, preventing a timely response. 

I, now, would like to have both XX/XX/XXXX and XX/XX/XXXX removed from my credit report as late payments, since both payments were placed at the end of my loan, causing me to pay additional interest on the loan, and delaying my payoff date. I have spent hours trying to get this corrected. I have been denied a personal loan, because of these reporting issues. That personal loan would have allowed me to pay off the last of the negative issues on my credit, therefore raising my credit score to the point I could effectively trade in the car and have GM Financial paid off. I feel I have been more than patient and fair minded in my attempts, while being met with resistance, red tape and absolutely no follow up by GM Financial.
Product: Credit reporting or other personal consumer reports

I demand these unknown/unauthorized companies : Account XXXX, and XXXX XXXX XXXX XXXX XXXX be removed from my consumer report! Unless there is proof that I signed giving permission for any authorizations, giving permission for any types of transactions with these said companies, if there is no such proof, then this is IDENTITY THEFT and it needs to immediately be removed no later than XXXX XXXX according to XXXX XXXX XXXX Block of Information Resulting from Identity Theft. I will be coming after YOU REPORTING AGENCIES for continuously allowing this on my consumer report after several disputes, and will be collecting {XXXX} per violation according to XXXX XXXX XXXX XXXX XXXX XXXX XXXXe and for violations of XXXX XXXX XXXX XXXX Procedures ( XXXX  ) XXXX XXXX XXXX
Product: Credit card or prepaid card

Im experiencing 2 fraudulent charges on my account. Discover dont want to do nothing. I want that discover lookup all the calls to confirm that i called under the 120 days period to claim a transaction from XXXX XXXX  of XXXX $ and discover dont do nothing. I have another fraudulent charge in wich discover dont investigate that is from XXXX XXXX for XXXX XXXX I was told that Ill be receiving a call from XXXX XXXX. And she never contacted me. I called she and no one answer. 

Discover is very irresponsable.
Product: Credit card

To Whom It May Concern, I am writing to file a complaint against Concora Credit aka Milestone Credit Card, XXXX XXXX XXXX, regarding their mishandling of my credit card account, which has negatively impacted my efforts to rebuild my credit. 

As someone who is actively working to rebuild my credit, I applied for and received a credit card from Concora Credit. I made XXXX payments within a couple of weeks, but these payments were repeatedly reversed due to incorrect routing information provided by my bank. Despite this issue being resolved before my payment due date, Concora Credit closed my account without prior notice or consideration of the circumstances. 

The closure of my account is likely to cause significant damage to the credit score I have been working diligently to improve. Additionally, the {$120.00} fee associated with this account is unreasonable, particularly in light of the issues I experienced. 

I believe that Concora Credits actions are unfair and have had a severe negative impact on my efforts to rebuild my credit. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that such practices are addressed. 

Additionally, I believe Concora Credit is unfairly charging consumers a {$120.00} fee, which appears to be a deceptive practice. Despite my attempts to rectify payment issues caused by incorrect routing information, I was still charged this fee. I believe this is an unjustified charge and may indicate a broader pattern of unfair treatment toward consumers. 

Thank you for your attention to this serious issue. I am available to provide any further information or documentation as needed.
Product: Credit card or prepaid card

Bank of America was court ordered to reopen previously denied fraud claims, and place a provisional credit on the account if not resolved in 10 business days, and completely resolved 45 days, prohibiting them from freezing California edd cardholders accounts without warning or sufficient evidence of fraud. Two claims I had, denied ( {$300.00} & {$500.00} ), nine months later were reopened without my knowledge. ( XXXX XXXX ) They failed to place the provisional credit after 10 days, and now with 43 days into the court ordered reopening of the claims, they froze my account without warning OR explanation. So when day 45 comes and my account is frozen, I do not get the money they stole in the first place. It's the banks policy that the customer is entitled to the funds if not resolved in the specified amount of time. Today XXXX, and yesterday XXXX I spent a total of 12 hours and 39 minutes on the phone to be continuously lied to by Bank of America, who refuses to acknowledge any court orders. Please help, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously wrote to Experian to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. 

It is quite clear that someone from Experian lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 

As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report :