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

Purchased a new XXXX XXXX XXXX truck from XXXX XXXX in XXXX, Tx. Financed vehicle with XXXX. Contract was sold to Santander Consumer which changed contract at anytime and at end of contract. They added over $6000.00 in charges and interest to contract. They then illegally repossessed vehicle which put myself and my family with great burden. A contract cannot legally be changed midstream. I spoke with many many people at Santander Consumer and could not get a proper outcome to situation. Here is copy of notice I received:Interest charges accrue each day on your account. If applicable, late fees will be applied to your account when it is past due.
Product: Credit card

XXXX XXXX {$600.00} late fees XXXX XXXX  % interest XXXX credit XXXX  % interest XXXX  XXXX XXXX  % interest XXXX XXXX XXXX  % interest XXXX XXXX XXXX  % interest I called. No one that I spoke with is allowed to lower the interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Open Date XX/XX/2017 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the extended fraud alert from my credit file. 
My current address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX. Please ensure the only contact number on file is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

FCRA Section 605B Unauthorized, my permission nor consent was not given to place this account on my credit report. 

15 U.S.Code 1692a ( 3 ) 15 U.S.Code 1692c ( a ) 15 U.S. Code 1681
Product: Debt collection

Medical Data Systems XXXX Inc. never sent notice of debt. The debt was incurred by my spouse under my health insurance plan where I am primary. Medical Data Systems XXXX Inc. reported it to XXXX  and is now a collection account on my credit report. The debt was paid even though I received no notice of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  CREDIT OPTICS SCORE
LEXISNEXIS RISK VIEW SCORE

CONTINUE TO REPORT OUTDATED/INACCURATE CREDIT SCORE/DATA FROM XXXX XXXX. THEY CONTINUE TO REPORT SCORE XXXX AND MY SCORE IS A XXXX! I HAVE BEEN TRYING TO GET THEM TO USE UPDATED CREDIT SCORE! I CONTINUE TO BE DECLINED FOR CREDIT AND GET THE SAME EMAIL RESPONSE FROM CREDITORS WITH THE ABOVE INFORMATION.

I ALSO HAVE BEEN TRYING TO FIND A WAY TO OPT OUT OF THEIR REPORT TO NO AVAIL. YOU CAN NOT ACCESS THEIR LINK: XXXX

THEY HAVE TO SEND LINK.

THIS COMPANY IS A PROBLEM. I WANT TO OPT OUT OF THEIR REPORTS BEING USED TO EVALUATE MY CREDIT WORTHINESS. THEY ARE DAMAGING MY CREDIT.
Product: Checking or savings account

My bank account is a joint account with my mother. My mother recently had her identity stolen and the fraudsters were creating many new credit accounts and doing many transactions in other services. On XX/XX/XXXX, my personal savings account had withdrawal sand transfers totaling to XXXX dollars. Many XXXX dollar transactions were done through a ATM and some were taken out in the branch store which were XXXX and XXXX. Since my account is a joint account with my mother, the fraudster was able to go into Wells Fargo and create new saving/checking accounts and debit cards in her name, which later he was able to change all login information to online banking and made many transaction to transfer funds out of my account into the fraudsters account which was impersonating my mother to make it seem like it was " authorized ''. I have created many claims disputing all the transactions with wells fargo but they denied me and said that the transactions were " Authorized ''. They did not even look into more evidence regarding the transaction because the fraudster is using my mothers identity in order to make the transactions. It is very clear that fraud is happening with my accounts because there was almost no withdraws on these accounts for over 2 years, and our place of residence is nowhere near where all the transactions were done. All of the fraud was happening and done near XXXX, California. The fraudster also changed the online banking accounts email and phone number the day of when the fraud occurred which clearly indicates that malicious use is happening. Another detail is that the bank has the application of the new accounts that were made on XX/XX/XXXX in branch which shows the signature of the fraudster which clearly does not match the real signature. Lastly, I have filed a police report and my mother has made credit freezes on all credit Bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XXXX XXXX : XXXX To Whom It May Concern, I am submitting this complaint to the CFPB to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, as the credit reporting agency , block any information on my consumer credit report resulting from identity theft and fraud within four business days of receiving this complaint. 

The fraudulent and inaccurate information includes the following accounts, which I do not recognize and did not authorize : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} These accounts have resulted in multiple fraudulent collections on my FICO credit report. All of these accounts and collections were neither opened nor initiated by me ; they are a direct result of identity theft and fraud. 

For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) issued by the U.S. Federal Trade Commission, confirming that the aforementioned accounts and collections are fraudulent. Please delete fraudulent accounts as soon as possible. 

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

XXXX XXXX ran my credit without my permission.
Product: Credit reporting or other personal consumer reports

There is someone using my name and social to obtain credit. The names and addresses do not match
Product: Debt collection

To whom it may concern, THE TERMS YOU AND YOUR REFER TO Nelnet. 

This document revokes all options for remedy requested prior to the date of the notarizing of this document. 

Attached are the communications, violations, and exhibits for evidential proof. 


BE MINDFUL SOME VIOLATIONS ARE CONSIDERED BOTH CIVIL AND CRIMINAL. 

This is my final plea for remedy, in which, I will proceed with the filing of complaints. Ive recently sent communications, Exhibit B, Exhibit F, via USPS mail, Exhibit G, requesting remedy for the damages caused by your willful act ( s ). I received correspondence in regards to my requests, Exhibit E, stating, Thank you for contacting Nelnet. We have received your Validation of Debt request on XX/XX/XXXX, please allow up to 30 days from the date of receipt for a response to mailed.. I acknowledge your admission of handling the account ( s ), Exhibit E. Regardless of the admission, I felt the response was disrespectful and emotionally triggering. You blatantly ignored my numerous requests for validation during the year of XXXX, and refuse to take responsibility for your willful injurious act ( s ) of torture. Yet, youre admitting to your possession of the account prior to my receipt of Exhibit E, which furthermore, verifies your guilt of the following violations attached to this communication, along with exhibits for evidential proof, but not limited to.
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate collection account reported by XXXX XXXX on my credit report. I have repeatedly requested proper validation of this debt and have provided all necessary documentation to support my claim. Despite my efforts, this account continues to be inaccurately reported by Experian and XXXX XXXX XXXXXXXX has already removed it. 



Grounds for Dispute 1. Failure to Provide Proper Debt Validation : I requested a validation of this debt bearing my wet signature, as is my right under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). In response, XXXX XXXX provided a leasing agreement that does not contain my signature. This does not meet the legal standard of proper validation and demonstrates that this debt is inaccurate and unverifiable. 

2. Inconsistent Reporting : XXXX has removed this account from my credit report after proper review, further confirming the inaccuracy and unreliability of this collection account. Experian and XXXX continued reporting of this account is inconsistent with the evidence. 

3. Failure to Investigate Dispute Properly : Both Experian and XXXX are required under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ) to conduct a reasonable reinvestigation of disputed accounts. The failure to remove this unverifiable debt demonstrates a violation of this obligation.

Request for Immediate Action I respectfully request that Experian and XXXX : Immediately remove the collection account from my credit report due to lack of proper validation and evidence of inaccuracy. 

Provide written confirmation of this removal. 


Supporting Documentation Attached : Copy of my debt validation request sent to XXXX XXXX. 

Copy of XXXX XXXX response, including the leasing agreement without my signature. 

Copy of my XXXX credit report showing the removal of the account. 


This dispute is urgent, as the continued inaccurate reporting of this debt is causing significant harm. Failure to address this matter promptly may result in further legal action or complaints filed with the Consumer Financial Protection Bureau ( CFPB ). 


Thank you for your attention to this matter. I look forward to your prompt resolution. 

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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting inquiries as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries and remove them immediately in my report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. There was a car loan that was taken out with westlake financial. The company listed on my credit report has 2 different names Westlake service inc and westlake portfolio M. The balance is XXXX and the date the loan started was XX/XX/2020. I informed the company that account does not belong to me and that I did not take out the loan nor did I have the car in my possession.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX South Carolina Laws Dear NAVY FCU, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically South Carolina Code Section 16-13-490.

It has unequivocally come to my attention that NAVY FCU has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, South Carolina state law, specifically Section 34-11-110 of the South Carolina Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, identity fraud laws, such as South Carolina Code Section 16-13-490, underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for NAVY FCU to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that NAVY FCU immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Section 34-11-110 of the South Carolina Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and South Carolina state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that NAVY FCU will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX
Product: Credit card or prepaid card

I have both credit and XXXX through synchrony/Paypal. I am not able to make payments anyway but call hold for 30 min and give info to rep for fee. I have 3 checking accounts. 2 from same bank business/personal and one checking/savings at another bank. I have tried to link all three accounts at different times and none of them work. I use all three of these accounts on paypal to buy anything from anyone but can't pay them. I have called for months and sychony tells me I have to talk to PayPal and Paypal says talk to Synchrony. I have tried with both. They will link my account and then say the payment bounced on both accounts. I call the bank and they do not show it ever hitting account. I have been charged late fees and I'm now 30 days past due. I called Synchrony directly and they transfer me back to synchrony/paypal and the run around starts again. I do not want this on my credit and I should not have to pay late fees when it's their system and they don't even care. I am questioning if there is a scam going on. I have never had a problem in 30yrs just paying a credit card. Plus the money was in my account when they claim this check bounced. It's not the first time either. I have names and ID 's for some people that I have spoken to at Sychony.
Product: Checking or savings account

I have an HSA account with Bank of America. It is horribly managed.     I wanted to close it and transfer the money to another  HSA ac count, but was told I would need to pay a {$25.00} transfer fee on  XXXX   XXXX ,  2017 . This seems absurd to me.
Product: Credit card or prepaid card

On  XXXX   XXXX ,  XXXX  I received a letter from  Chase Business Card Services indicating  the bank closed my Chase Business Ink credit card account. see attached letter.     I contacted the bank on  XXXX   XXXX ,  XXXX  to inquire about the closure and requested account reinstatement. After going over financial as well as credit review, the associate advised that he submitted request for reinstatement.     On  XXXX   XXXX ,  XXXX , I received a phone call from representative  XXXX  from  Cardmember Services f rom  XXXX  AZ advising that upon review of the request, she was unable to   reopen the account due to 2 reasons.
1. Accounts on Credit report have not been open long enough.
2. Number of accounts on credit bureau.
I have had this Chase Ink accou  nt since  XXXX   XXXX . I always maintained a good history with this card as well as other credit cards that I have, personal and business.     I would like this matter to be reviewed on  the executive level and reinstate my account. The reasons the bank is using are vague and does not apply to me what so ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONCE AGAIN XXXX HAS BRACHED OUR AGREEMENT BY BE RE-INSERTRD SETTLE SETTLED BANK ONTO MY CREDIT REPORTS. THEY HAVE VIOLATED THE DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated rights. 

15 U.S.C. 1681 section 602 ( A ) states I have right to privacy.

15 U.S.C. 1681 section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681C. ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing 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. S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Vehicle loan or lease

My engine light was on in my XXXX XXXX XXXX  and I haven't paid the car ff yet. It came on XX/XX/XXXX and my vehicle started to hesitate XX/XX/XXXX and XX/XX/XXXX is when I had to voluntarily repossess and get into another vehicle. The car was purchase XX/XX/XXXX. My car payments was {$420.00} monthly. The loan shouldn't have been {$19000.00} for a vehicle that wasn't going to last.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by XXXX that a new installment loan was opened in my name with a company named MoneyLion Inc . This loan was for {$1000.00} dollars and started reporting on my account on XX/XX/2021. The report says the account was opened XXXX. There has been 6 withdrawals from my XXXX checking account, XXXX for {$44.00} and XXXX for {$9.00}. I have issued a stop payment today on XX/XX/2021 with XXXX XXXX fraud department. I have reached out to XXXX to file a dispute but said since the fraudulent person used my correct information, they closed the dispute. I also reached out to MoneyLion Inc in order to address this fraudulent activity and they stated that since my information is labeled correctly then they see no issue. I have no login account with MoneyLion or loan account open so there is no way for me to speak to someone directly about this.
Product: Mortgage

I applied online solely because they had approved someone with severe financial difficulties and difficulty proving income or financial statements. They had gotten approved so I figured my challenging credit would be no issue. 

They flatly denied me saying my credit was the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 


-- XXXX ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} XXXX -This is not my account.