23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Product: Vehicle loan or lease

Santander Consumer USA is not compliance with the laws, By failing to update their records. The inaccurate reporting on my consumer report, after being ordered by the New State Attorney General XXXX XXXX is unacceptable. A loan balance remains after the vehicle has been illegally repossessed and sold. The proper documentation has not been sent to me with adequate time to remedy the matter. The right for one to be secure in their belongings ... without XXXX Unless accompanied by statement and oath or affirmation, as per the 5th and 14th amendment in the United States constitution, which holds the highest law in the land. Santander consumer USA is in violation of this, along with all of the other violations stated herein. 

Santander Consumer USA has been involved in serious allegations that violated the consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with high probability of default. 


Santander Consumer USA has been ordered by New York State Attorney General XXXX XXXX in an effort to repair consumers credit reports, Santander Consumer USA will be required to reach out to credit reporting agencies ( for example : XXXX, XXXX, and XXXX ) and request the deletion of any negative reports for Santanders consumers who are receiving waivers on their loans or are receiving deficiency relief.
Product: Debt collection

I called on XXXX to get the total of what I paid ; I was told what I had paid and discussed what was still due. At that time, I only had three payments left. 2 normal and one for less. 

I called XXXX today to get a reminder to make the final payment and was told that an additional {$270.00} was added to my balance, which was not part of the previous agreement via a court date held in XXXX. 

I let them know that I was not responsible for the debt as XXXX is responsible for that debt, and she said, " Well, you are the parent, so you have to pay it. I told XXXX that I did not think this was legal since I was never contacted, and she said we sent it to XXXX. 

I am not sure this is not my bill to pay, I requested paperwork be sent to me and then emailed them letting them know the below. 


" Hello~ I spoke to XXXX this morning, and she informed me that a debt was added to my bill, It's illegal for a collection agency to add fees to your debt without your permission. The Fair Debt Collection Practices Act ( FDCPA ) protects consumers from unfair debt collection practices. 

Let me explain. 
Collection agencies can only add fees to your debt if they are authorized by the original contract or permitted by law. -- This was not the case! 
The original contract is the one you signed with the original creditor. - I didn't! 
Collection agencies can't add fees without a court judgment. - You did! 
Collection agencies can add reasonable charges if you agree to pay " collection costs. " - I didn't! 
Deceptive practices to collect a debt are illegal. When I called on XXXX, I was not informed that this amount had been added ; I was never called, emailed, or mailed a letter about this added amount. 

The FDCPA prohibits debt collection agencies from collecting interest, fees, charges, or expenses on debt unless the amount is expressly authorized by the agreement creating the debt or permitted by law. - This added debt was not! 

I will be filing a complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), or our state attorney general 's office. 

Thank you XXXX XXXX ''
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Regarding the Smartly Checking offer of a {$500.00} bonus using bonus code XXXX. 

Conditions were : 1. Open a new US Bank Smartly Checking account with a minimum deposit of {$25.00} either online, in a branch or over the phone from XX/XX/XXXX through and including XX/XX/XXXX I opened an account online on XX/XX/XXXX and transferred in {$25.00} the same day. 

2. Enroll in the US Bank Mobile App or online banking within XXXX days of opening the account I enrolled in mobile banking on XX/XX/XXXX 3. Complete XXXX or more direct deposits within XXXX  days of opening the account that total {$5000.00} to {$9900.00} to earn the {$300.00} bonus or {$10000.00} or more to earn the {$500.00} bonus. 
A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, from your employer or the government. 
On XX/XX/XXXX, my employer deposited {$14000.00} using a real-time electronic deposit. 
On XX/XX/XXXX, my employer deposited {$1000.00} using a real-time electronic deposit. 

On XX/XX/XXXX, I called to confirm that the conditions were met to earn the bonus. I was told they were. 
I called again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX asking why I hadn't received the bonus. Each time I was told that it was either on the way or that they would file a form to find out what was going on. On several of these calls I asked again if the conditions had been met and was told they were. 

On XX/XX/XXXX, per the instructions from the last call, I sent an email to XXXX explaining the situation and asking why I hadn't received the bonus. I got no response.. 

On XX/XX/XXXX, I called again and was told that the XXXX deposits did not qualify and I would not receive the bonus. 

Issues : 1. The text of the Disclosure stated, " A direct deposit is an electronic deposit of your paycheck .... '' My deposits were electronic and for my paycheck.

2. I asked on several occasions if I had met the qualifications and was told that I had. They had plenty of opportunity to let me know if my deposits did not qualify.

3. By the time they finally told me that my deposits did not qualify, it was well past the XXXX  day limit, thus eliminating the possibility for me to rectify the situation qualify for the bonus.

I'm not a lawyer but this seems like false advertising at a minimum if not some sort of scam. 

My employer is an XXXX XXXX XXXX XXXX. It pays me on a XXXX just like any employer and I use electronic transfers to pay myself. 

Thanks, XXXX
Product: Credit card

Credit card company closed 2 accounts with no warnings. Debt to income ratio good, 100 % payment history. Long time costumer. Did not do a full investigation on credit report before closing my account. This in turn will hurt my score
Product: Credit reporting or other personal consumer reports

The Attorney General Child Support Division is reporting that I have not made a payment in 180 days which is incorrect. I have obtained a up to date copy of my payment record and the credit reporting agency refuses to update my report with the correct information. It is being reported on Experian, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : LVNV Funding Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiry/inquiries on my TransUnion credit report. My latest credit report shows 6 credit inquiry/ inquiries that I did not authorize. 
XXXX XXXX XXXX reference number XXXX Date XXXX XXXX XXXX XXXX reference Number XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Number XXXX Date XX/XX/XXXX XXXX XXXX XXXX  - reference Number XXXX Date XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX- reference Number Date XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am writing to dispute the following inquiries and asking for their removal from my credit report.Please have these/this unapproved inquiries/inquiry removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX, I request a valid Permissible Permission used to access my credit report on XX/XX/2017. XX/XX/XXXXand Experian need to validate permission.
Product: Debt collection

I got a text from this number XXXX. It gave me a number to call which was XXXX. When I called that number I asked them questions as to how they got my information they said that they couldnt tell me then they started saying that I owed a Loan from Check smart. I never did I get a loan from Checksmart or any other company Ive always had good credit my payday loans have been paid off they will not tell me how they got the information and Im not seeing any inquiry from Checksmart on my credit report. I will send any money or give out information UNLESS I KNOW ABOUT IT.
Product: Credit reporting or other personal consumer reports

Capital One removed credit card account from XXXX report and added a remark of " discharged by bankruptcy. '' Account was never discharged by bankruptcy and is active, open and used daily. Capital One told me they can not discuss anything about credit reports and told me to dispute with XXXX which was not successful.
Product: Credit card

I ordered a computer but never received the package. I disputed the charge three times, and each time the bank denied my claim. The credit card company has refused to help, even hanging up on me when I asked to speak with a XXXX. I provided clear proof showing that the signature used to confirm delivery does not match mineit is visibly different from the one on my government-issued ID.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a personal load on XX/XX/year> for {$20000.00} on sofi.com, where I am also a banking customer. I received an automated Adverse Action notice that I was denied due to " Excessive Debt Obligations ''. Upon contacting customer service, I was advised to speak with XXXX and XXXX credit bureaus to clear up any issues on my credit report. 

I contacted both XXXX and XXXX on XX/XX/year> and was told that the credit report shared with SoFi Bank showed no debt, a revolving credit card balance of under {$200.00}, and an excellent credit score of XXXX. 

I then contacted SoFi Bank customer service again and let them know that I did as instructed. They told me I would need to wait 30 days to reapply for a personal loan as their system would not process another personal loan application after a denial. This was not told to me yesterday before I contacted the credit bureaus. They also said that it was strange that I had been denied due to excessive debt, as it is clear on my credit report that I have no current debt. 

I asked them to either reprocess my personal loan, or provide me with an accurate Adverse Action notice as the one provided on XX/XX/year> did not reflect the information shared with SoFi Bank on XX/XX/year> by the credit bureaus. They refused, and said I would need to wait and reapply in 30 days. Their actions ( and inactions ) suggest to me that they are hiding the actual reason for denial.
Product: Debt collection

Had Hospital Bill over {$20000.00}, Hospital had contract with Insurance Company to pay at contract rate per their contract. Hospital is trying to collect over and above what was contract for. Hospital has sent a collection agency after me and is harassing me to pay an additional amount of money above what the Insurance paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, and 15 USC 1666b- timing of payments Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted letters to each credit bureau requesting the extended fraud alerts be removed from my credit files. I am trying to purchase a property and it's hindering the process. XXXX, Equifax, and XXXX have failed to remove the extended fraud alerts to date.
Product: Student loan

I had submitted a payoff request for one student loan that was granted that request and I received a letter stating that my loan was paid in full XXXX of XX/XX/2021. After this letter I had an additional loan taken out and that loan had merge or included the now paid loan balance in the total amount borrowed. So rather than having an entirely new loan with a principal balance of {$3800.00}, Fedloan merged the previous paid off loan and a new loan to create a loan with a original balance of {$7400.00}. I have sought to go through their email service and they declined to acknowledge that the loans were merged and claimed that each disbursement was separate and nothing has been merged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents to FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2019  and begin to notice unauthorized charges placed on my account and began to contact Wells Fargo regarding the matter. Wells Fargo card services made it very difficult for me to submit a complaint and shame to push me on weather they should close the card out or not for good from me making a complaint in the first place. Wells Fargo is currently being sued for predatory lending and not following fcra guidelines when it comes to identity theft victims. It is hard enough to support myself and my family without Wells Fargo breaking the law and ignoring the fact that once again these charges were unauthorized and needed to be investigated. FFRCRguidelines require that does negative information not be reported to credit bureaus until the matter is resolved. Not only have I submitted FTC reports but also complaints to the Card Services Department many times. Lastly, despite my many inquiries through the credit bureaus and disputes they have failed to realize and comply with the current laws regarding identity theft and unauthorized charges and the reporting of those negatively affected accounts to the credit bureaus.
Product: Credit card or prepaid card

I use to have a BK on my file long time ago but i can see a lot going on on my credit report want to clean and remove all non related information from my credit report
Product: Credit reporting or other personal consumer reports

For the past two years I have disputed my personal name, address and accounts that were in clear violation with reason and code to XXXX and XXXX to which they updated with no change or verified without providing any information on how they verified the information. These two companies are not doing any investigation and when I called XXXX XX/XX/2023 I was actually told by a customer service representative that one of my accounts was verified by the actual Account that was in dispute. I asked them how can an account in dispute investigate their self? She said that that was their process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously submitted valid Identity Theft reports to Experian, XXXX, and XXXX # XXXX. I also went to the neighboring police station to file a criminal complaint. The fraudulent items are still reporting on my credit files. Either validate the debt meaning produce the original documents bearing my signature or remove the fraudulent items from my report
Product: Credit card or prepaid card

I paid off my accounts on all of my Amex cards ( 3 total ). The limits were : {$12000.00} XXXX recently paid about $ XXXX to pay off completely to XXXX balance ), another was {$5000.00} limit and another was another {$5000.00} limit. Ive had my card since XXXX. I have never paid late, missed a payment, and I always pay twice the amount of the minimum payments. When I tried to make a purchase on the {$12000.00} ( blue cash back card ) limit card they immediately blocked it and put my limit to {$1000.00} and told me they need all of my financials and proof of income. Which I complied and worked on appeal. This was on XX/XX/XXXX. Then on another card ( Amex gold delta sky miles ) today XX/XX/XXXX I had {$5000.00} available credit with {$0.00} balance and I made an XXXX eats purchase for {$9.00} and they again changed it to {$1000.00}. I called to speak to a manager and they denied me. They claimed they have to review my account first ( even though they didnt ask me why I am calling ). I have done nothing wrong nor have I done anything to have warranted such treatment. I pay the annual fees for my cards of over {$300.00} a year and I never missed a payment and in fact I pay off my balances. They cited that I opened new credit cards recently which I did because I was offered 0 % APR and some had more cash back ( e.g. XXXX XXXX for my XXXX app purchases and XXXX card for my XXXX phone bill ). But that should give them the right to suddenly reduce my available credit by more than {$15000.00} for trying to use it to by something so small as {$9.00} XXXX eats pass
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX Consumer SSN : XXXX  This CFPB complaint has been filed to request, pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion 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 a credit card account from XXXX XXXX XXXX XXXXXXXX with a balance of {$1000.00} opened XX/XX/XXXX ; a credit card account from XXXXXXXX XXXX with a balance of {$0.00} opened XX/XX/XXXX ; a collections account from XXXXXXXX XXXX with a balance of {$190.00} ; a collection account by XXXX XXXX XXXX with a balance of {$0.00} ; and a hard inquiry from XXXX XXXX XXXX from XX/XX/XXXX. 

These accounts have resulted in fraudulent accounts appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, or collections as reported. The aforementioned accounts/collections appearing on my consumer credit report that is being maintained by you was not opened, made, or initiated by me. The aforementioned accounts/collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer accounts/collections are the result of identity theft and fraud.
Product: Debt collection

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).

The statute of limitation in Texas is 4 years. This is over the statute of limitation for this debt to be collected on.

Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by {$10000.00} per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
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