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

Santander USA charged my bank account ACH using my routing and bank number with out authorization, causing overdraft fees on my bank account. These XXXX fees were charged XX/XX/XXXX XXXX XXXX. I made a payment to Santander USA by using my debit card for the amount of XXXX +a fee to process the payment through speedpay on XX/XX/XXXX. I did not authorize the prior payments that were attempted 2 on my account. I do not have auto pay set up at all. I have my stamens come by mail every month which was recently changed to electronic paperless without my permission. By Santander USA attempting to charge my account t for my car note they commuted fraud. I did not authorize the ACH by bank routing number and account number. I did however only authorize my debit card payment. 
As a result of the fraud commuted Santander USA charged me a XXXX fee for the 2 ACH payments being returned which rolled over into the following months payment in XXXX. I have had XXXX dealings with Santander in the past with payments not being applied appropriately to my account that resulted in a audit. Santander has also reported payments late 30 days late, 60 days late when payments were never 60 days or 30 days late. I have disputed this information with the credit bureaus and most of my credit reports have been fixed. 
If my payment is 2 weeks late this does not justify 30 days late to report inaccurate information reflecting negatively on my credit report. Another issue Santander was sent a certified letter in XXXX of XXXX asking to stop the harassment of calls. Santander USA confirmed they received the letter along with my certified letter stub. In this letter I asked that I or my co-signer receive no more calls and that all communication be sent in written form. When concerning with Santander that my letter was received the representative XXXX in XXXX of XXXX also deleted our numbers from the system. I also on my phone put a block on the number ( s ) that Santander USA automated system would call from. After recently looking through my XXXX call protect app the calls are blocked by the company continues to call the phone numbers associated with the account that were deleted and in writing a deceits and desist letter as mentioned above. This is a clear violation of the FCRA, and constitutes as harassment. 
I sent a message in my Santander USA app on XX/XX/XXXX putting Santander on notice yet again and asking that my credit report and my loan fees be waived. I also requested for a audit of all my payments, how it was paid and the date processed to ensure accuracy, as in accurate information has occurred on this loan several times. 

I have all documentation to support my claim as stated above.
Product: Mortgage

I am writing because I feel Freedom Mortgage is intentionally delaying my loss mitigation application. The lack of attention to detail and servicing has delayed my application to the extent that I have lost eligibility for several XXXX XXXX XXXX mortgage assistance programs. 

I have now submitted the loss mitigation application and supporting documentation on 4 different occasions. My first application was submitted XX/XX/2023. I have submitted documents per the request of their loss mitigation specialist on the following dates : XX/XX/2023 XX/XX/2023 XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have received no less than 3 separate letters in the mail stating my application was incomplete with a due date to submit the missing documents but the letter arrive 15 days after the due date. 

I call the loss mitigation line once a week and have been given incorrect or misleading information each time. 

Freedom mortgage is refusing to offer mortgage programs that would allow me to place the balance owed at the end of the loan and maintain the current interest rate. 

These delays are intentional to force me into a longer loan term and higher interest rate to the benefit of the mortgage company. 

I have provided duplicate documentation repeatedly and with every weekly call am told that I have missed a document. I have asked for supervisor review of my application twice without a response from anyone. 

I have asked that ll correspondence be sent via email and letters continue to arrive late via USPS. 

The mortgage company claims to support veterans and their families but obviously do a very poor job of providing service to the less than 1 % of the their customer base.
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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries 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.
Product: Checking or savings account

I filed a complaint in detail multiple times with the fraud charges included from Wells Fargo. Due to their negligence with handling of my account, the fraud continued and they didnt take active measures to properly refund me or handle the situation. Now that the CPFB has levied this fine against Wells Fargo and that they have new leadership, Im hoping theyll do the right thing and reopen my claims and send me what is rightfully mine. This has been an issue taking place for years that Wells Fargo has happily brushed under the rug. Only recently did they start sending me small checks admitting to their negligence and mishandling. They owe me way more than those checks though. In all, Ive been sent back around {$500.00} after the investigations into their handlings started become more public. 

Please advise and thank you for the help CPFB!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX  Balance XXXX {$460.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$460.00} XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

XX/XX/2018 I sentva debt validation letter to the company asking them to validate the stated debt, that is not owed to send me original signatures and items used to validate the debt not verify or the company will be in violation of the FCRA Buy reporting in In accuracies on my credit report.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX, I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, while my credit report shows an outdated address of [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. I request that my current address be updated accordingly. 

XXXX. Wrong Employers : My current legal employers is : XXXXXXXX XXXX XXXXXXXX XXXX XXXX. 

XXXX. Wrong Date of Birth : My Date of Birth is : XX/XX/year> Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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 for erroneous reporting in my file and are listed on my credit report : U S DEPT OF EDXXXX XXXX XXXX : {$6300.00}.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES : 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXXXXXX XXXX XXXX XXXX  has violated my rights Account # XXXX XXXX XXXX XXXX has violated my rights These accounts with Inquiries have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ny XXXX is not my current address which needs to be deleted from credit reports 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 an account without my written instructions
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I transferred USD XXXX from my brokerage account at XXXX to my bank account at HSBC XXXX XXXX. The bank delayed my transfer for quite long time. After my complain ( Case # XXXX ) on your website, we got the money on our HSBC bank account on XX/XX/2018 and got apology letter from HSBC customer service as attached. But on XX/XX/2018, HSBC Bank suddenly returned my money to my brokerage account without any notice. We called XXXX XXXX XXXX customer service and the customer service person replied that she can't do anything and the relevant department didn't want to give any explanation. I also sent following email to the customer service manager of HSBC XXXX XXXX   twice but got no reply : " On Sat, XX/XX/2018 at XXXX XXXX, XXXX XXXX <XXXX> wrote to <XXXX> : Dear XXXX, Regarding our transfer of USD XXXX from our XXXX account to our account XXXX in your bank, though the money arrived to our account on XXXX XXXX, the arrived money was returned to our XXXX brokerage account on XXXX XXXX. We didn't make such transfer and found the return was generated by system. We contacted XXXX and XXXX replied that it was not generated by XXXX and XXXX just received that money from your bank. Pls check whether your bank system generated this return transaction and explain the reason to us. Our family need to pay my son 's tuition and moving home expense in XXXX ( this month ). The delay of last transfer and this time 's automatic return by system caused us not only wasting a lot of our time and efforts but also worries and mental stress of potential default. It caused my wife 's XXXX XXXX. 

Looking forward to getting your prompt reply. 

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

Equifax, XXXX  and XXXX  are showing inaccurate " LATE PAYMENTS '' on my credit reports. I was/have " NEVER '' been late on my : XXXX XXXX XXXX, XXXX  XXXX  or XXXX XXXX   accounts. I was NEVER notified there would/where late payments reported. I was never CONTACTED TO VERIFY OR VALIDATE ANY POSSIBLE LATE PAYMENTS. I was also never told or shown PROOF OF HOW THESE LATE PAYMENTS WERE VALIDATED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! I retained a paralegal company back in XXXX, the XXXX because I had 2 derogatory marks, both credit cards ( XXXX XXXX and chase ). They are both accounts that were open over 10 years ago and was closed over 7 years ago. I have been keeping up with my credit with all makor credit bureaus ( XXXX, Experian, XXXX ) but the derogatory marks are still there. I believe I should have those removed from my credit report as it was a very long time ago ( and I was a child with no financial literacy haha ). I would love your help in getting those removed. Thank you!
Product: Checking or savings account

On Tuesday XXXX I tried to logon to my account with Chase Bank . Was informed account has been restricted due to suspicious activity. I called number given and was told two deposits had been attempted to put into my account for a third party. I told them that I have never heard of this person and these deposits weren't done for my benefit. I had no knowledge of any of the details. I asked them to remove said deposits from my balance and I wanted all of my money that was mine to be returned to me A.S.A.P.. They said I would have to contact third party that made deposit to verify legitimacy of deposit. This is not my place! Now XXXX I'm told another transaction that was completed in XXXX of this years is in question. They have with held over {$9000.00} of my money that had been deposited legally and has been processed. I can't get a straight answer form anyone that I have talked to in person and on the phone. They say that deposits could be fraudulent, but they have been verified previously. This is all my life savings which includes both checking and savings account balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did never started the Consumer complaint filed on XX/XX/2023 I Resent The Complaint twice with time-stamped recite by fax They refuse to investigate and validate the items listed in exhibit C with XXXX XXXX the items liste are fraudulent charges. 
They keep sending items to need that were provided in the Filing
Product: Credit reporting or other personal consumer reports

I have attempted numerous times to request a comprehensive full disclosure with all three credit reporting agencies. I have yet been able to get a report from them. I have filed numerous complaints with the post office at my place of residence which also seems to be a issue with getting corrected. I will be more than happy to submit the complaint number i have with the post office as well.
Product: Money transfer, virtual currency, or money service

Im filling a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices which violated the Consumer Protection Act CFPA. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account venerable and unprotected Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

I contacted Toyota Financial Services ( TFS ) to purchase my leased vehicle on XXXX XX/XX/year>. The agent emailed the full pay-off amount of XXXX with necessary paperwork to accomplish the action. This agent advised me to stop making automatic payments to the lease with the pay-off amount valid until XX/XX/year>. 

I mailed a check made to XXXX XXXX, XXXX and the completed forms to Toyota Financial Services, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX by certified mail on XX/XX/year>. The post office tracking number : XXXX confirms pick up on XX/XX/year>. 

I have called ( XXXX ) XXXX - XXXX ( TFS ) 3 times. The first date I spoke with XXXX who confirmed receipt of the check and pay-off paperwork as of XX/XX/year> ; XXXX call on XX/XX/year> XXXX ( XXXXXXXX XXXX ) reconfirmed receipt and gave verbal assurance that my account would be back dated to avoid late fees and associated penalties ; XXXX call XX/XX/year> the agent with badge number XXXX  again confirmed receipt of my payment and paperwork on XX/XX/year> but that their processing time is delayed by 30 days. I was again assured verbally that late fees and penalties will be dropped upon their processing of the payment. 

The company continues to send notifications of late payment and accrual of late fees. 

I have now received notification that my credit score is declining due to late payment on this lease. 

I have requested written assurance from XXXX and TFS that the delay is on their end and the representative actively avoid this request. 

I would like a speedy resolution to this issue. The customer should be have the same expectations as the lender/leaser in prompt processing of payments. 

It is of no fault of mine that they are not processing my request in a timely manner. 

Thank you.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I found many inaccuracies. According to the law, before any information inserted on my consumer report, it should be accurate. Pursuant to 15 USC 1681b ( a ) 2, it states that as a consumer, for anyone to get or use my consumer report, I must provide written permission as it relates to me the consumer. The law also states that the consumer reporting agencies must conduct a proper and thorough investigation. According to the Fair Credit Reporting Act, I have the right to challenge anything and everything that appears to be inaccurate and unclear. I demand this to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me ensure accuracy. Here is the item that I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX