23daVinci/CFPB_Complaints huggingface dataset:
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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 XXXX 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: Credit reporting or other personal consumer reports

These inquiries have been added to my credit report without my authorization! 

XXXX XXXX XX/XX/2022 CAP ONE NA XX/XX/2022 CAPITAL ONE XX/XX/2022 I disputed them and they remain on my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

The listed accounts do not belong to me : XXXX  XXXX XXXX. Open date XX/XX/2023. XXXX {$23000.00} XXXX. Open date XX/XX/2023. XXXX {$16000.00}
Product: Debt collection

Account number XXXX This is my second complaint against Santander consumer bank. 



Santander stated on their previous letter written XXXX XXXX, that a 1099c can not be filled because a settlement was not made. Santander stated that the account is an open charge off. 
Give me the definition of a Charge off?

1. To all of these Santander is fraudulent keeping my identity and is committing tax fraud toward the IRS. Is continuing rubbing me and the IRS.

2. Santander has also kept the financial money from the insurance, this fraud. 15usc1605 speaks about the financial charge, billed into the financial charge is a insurance that protects the lender in a event that obligator default.

3. My consumer report shows that this account its charged off. Its a canceled debt needs to be reported {$0.00} The Irs instructions form Acquisition or abandonment of secured property and cancellation of debt stated everything. Every debt that is canceled and is more than {$600.00} is a cancel debt. 

I must remind Santander consumer that they have violated the ucc code to many consumers in the past and they have a class action lawsuit against them, which was filled by the attorney general. They constantly violating consumer rights with no harm and scruples. The auto loan was charge an APR of 20,60 %, but the Texas average XXXX is 7,13 % for new car and 11.39 % for used car.

15usc1681s-2 responsibilities of furnishers of information to consumer reporting agencies. By law your are prohibited to provide inaccurate information. 



You have been put on notice to Delete this erroneous charge off from my consumer report. 
This is your final opportunity to Cure and delete these account across all 3 consumer report agencies.

If you willfully knowingly or punitive failed to delete this account from consumer report agencies.

You will be fined under title 18, imprisoned for more than 2years or both.

I will be forced to take legal action against your bank institutions, for which I will be also seeking {$1000.00} for violations Defamation of character Negligent non compliance Civil liability Mental anguish You have caused me and my family severe harm due to your negligence an inaccurate reporting.

In addition send me my 1099C and complete the form W9 and the 1099 OID form I will get them to my accountant and the IRS. You have 30 days to send it back. I must remind you its a taxable event. 

If I dont get it by the time I will mark it as a refusal and you have to come up with the penalty fee to the IRS XXXX 

Enclosed you will have my credit report IRS INSTRUCTIONS Santander letter
Product: Checking or savings account

My Dave account balance was {$280.00}. XXXX XXXX has breached my account and taken {$280.00} on XX/XX/2022. My password was changed, phone number and cash tag was changed on my account. I spoke with a XXXX Dave rep that wasn't helpful or concerned at all on reversing my payment of my funds of this unauthorized charge. The Dave rep told me " their system '' isn't set up to put my money back, but " the system '' on Dave is set up to allow this to happen and quickly make a recording for customers that the Dave accounts aren't breached, which isn't true because my account was. I attempted to change my XXXX XXXX, but by a unauthorized XXXX XXXX user, my XXXX XXXX was changed, Dave displayed I can't change it for 3 months. I did not authorize this transaction, it's the holiday XXXX and I need my payment reversed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 ; It also 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

in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Act Name : XXXX XXXX XXXX  XXXX Act Name : XXXX XXXXXXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXXXXXX XXXX Name : XXXX, XXXX Act Name : XXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

For a year I tried to get best buy citi bank to listen to fraud claims and remove the charges. And for a year I was given the run around. I would still make payments and then in XXXX I proved I reported to police. Didn't receive the new card etc... I was in hospital and just found out from a representative that best buy citibank lowered my credit limit from XXXX to XXXX about a week after SOME OF THE UNAUTHORIZED CHARGES WERE TAKEN OFF.. I am told to wrote in to the citibank best buy credit department and I have been informed my card is now XXXX over the new limit which it wouldn't have been had I Still had the XXXX limit I thought I had. 
I have paid on time and there was no reason to lower my credit limit. This is a clear retaliation and I dont know what I'm going to do.but I do need something done In 2018 when I ordered something from a merchant. I sent in proof of emails showing I didn't receive the item and best buy citibankrequested those which u sent in. After I seen a letter saying I never sent the proof in I called and told them I had and have proof I sent it in with the fax confirmation and screen shots. When I sent thar in they still said o never sent them in and I just left it alone. This is the same story they use now. After I send in document and give them police phone numbers they still say they never received so I keep everything from recorded calls to faxes.
Product: Credit card

To whom it may concern : On or around XXXX/XXXX/2016, I visited a newly built XXXX in XXXX, NJ. My only purchase was a white throw pillow. The cashier offered me a XXXX XXXX customer rewards card. I told her that I did n't need one today. She stated that I would receive an additional 10 % for signing up for one. I acquiesced and provided her with my information. I also asked her several times if this was a store customer card or a credit card. She confirmed several times that it was only a loyalty card. She handed me a form and asked me to add my SSN and sign the bottom of the form, which I did. When I finally came to my senses I realized that she had run credit. I IMMEDIATELY called for the manager of the store. She apologized profusely for the cashier making this error. The cashier DID NOT understand the difference between the loyalty card and the credit card. I asked the manager to phone customer care straight away so that I could have the inquiry removed from my report. They said that within 90 days the inquiry would be removed. On XXXX/XXXX/16, I received a letter stating that my application was declined because of income-THIS IS BECAUSE I DID N'T COMPLETE THE APPLICATION WITH ANY INCOME LISTED! I had no idea that I was applying for credit at all.
Product: Mortgage

My former lender was XXXX XXXX ; in the middle of a forbearance plan, they sold my loan to Selene. Since XX/XX/ 2022, I have tried to do a loan modification to bring my account to Good Standing. I have provided all the documents requested for that purpose and answered all requests in a timely manner. However, as time has passed, I have noticed many inconsistencies which I have previously discussed in my prior complaint. The last thing that I have done to cure my default account is to pay the XXXX missing payments to bring my account up to date. I spoke to one of the agents, whom stated that I needed to bring my account up to date with the XXXX payments. Why am I filing a complaint? Because today at XXXXXXXX, I received the second call during this process ( nobody ever called me, I am the one who is constantly making phone calls to find out the status of my account, and the correspondence procedures in my situation ). This person called today to find out about a pending loan modification application which I requested to work on. However, after considering all these inconsistencies with XXXX, my husband, my family and I have come to the conclusion that this company does not want to help me. Moreover, they are trying to take my home. My family did everything in our power, everyone contributed with something to bring my account to Current and I paid {$39000.00}. This money has been taken out of my bank, but it has not been deducted from my mortgage default payments. When he spoke to me today, he stated that the house is not in foreclosure, and that the payments should be posted to my account. At this point, I am very confused. For this reason, I am filing a second complaint. This payment was received on XX/XX/ 2022 -- they received my payment but are not taking out my pending default balance. I am trying to work with them but obviously they have another agenda. I am feeling frustrated, deceived and treated unfairly. My conversation with them was recorded, for my own records, but I told the agent about it. I am reaching out because right now, I feel really mistreated. Even then, I am doing everything in my power to work with XXXX. I can provide you with any documentations to follow up with this matter. I'm really grateful for your support on this. I really appreciate the services you provide to people in my situation.
Product: Checking or savings account

Im filing a complaint with the CFPB because XXXX XXXX hasnt deposited my direct deposit from my employer or other incoming funds. Theyve said its due to technical issues, but this might violate the Electronic Funds Transfer Act ( EFTA ), which ensures people have timely access to their money. Im really concerned about how this affects my rights as a consumer, and Im asking for your help to look into this. Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX money from XXXX XXXX was returned to Venmo because the debit card on my Venmo account was deactivated. Its has been over 37 days and I emailed and called Venmo I cant seem to reach them they claim because of corvid no one is available so they never returned my money
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX U S DEPT OFEDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX U S DEPT OFEDXXXX XXXX U S DEPT OF EDXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  of  XXXX  I opened a  XXXX  account, with the hope of building my credit. I paid the {$30.00} fee and ordered  XXXX  item. However, there were delivery issues and the item was returned by the post office. Thus, my account still had a {$0.00} balance.     So, I tried again, ordering a smaller item and unfortunately, I had the same issue with the item be undeliverable and sent back to  XXXX . After the second attempt, I was given my {$30.00} enrollment fee back and closed my account.     Fast Forward to  XXXX  and the harassing collection calls begin.  XXXX  was contacting me, stating I owed {$100.00} in interest only charges. I spoke to the billing department an d 3-4 pe ople over the course o f 5-6  months ( beginning  XXXX   XXXX   ) a nd they all confirmed that I did not owe any charges, as I never purchased an item and the mistake would be corrected and the calls stopped.     The calls did stop, for a while ; however, my credit report still showed a {$100.00} balance and 30 day delinquency on the balance. So, I reached out to  XXXX  's credit department and they agreed that my report was in error and promised to update it. After two months, I reached out to the again, because although   XXXX   showed the account as closed, it still showed a {$100.00} high balance. Experian shows no balance, but a 30 day delinquency and not closed. Experian shows a {$100.00} high balance and not closed.     I have disputed this information with all  XXXX  creditors and the account was " verified '' ; however, this info is incorrect.     I have talked to  XXXX  and they claim my account was deleted on all  XXXX  bureaus, but as of today, it still stands.
Product: Credit reporting or other personal consumer reports

I have received a copy on my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. XXXX and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means. 
consumer report In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
XXXX or non of its factors are not defined or included in the definition of the consumer report! Therefore the reporting of transactions between the consumer ( ME ) and the Person ( Affirm ) is a violation of 15 USC 1681a the definition of the consumer report does not include XXXX or XXXX which makes their factors or algorithm not a factor where the consumer report is concerned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Debt collection

Collection company is called : AMSHER COLLECTION SERVICE. Its address is : XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX. The bill was a XXXX bill for {$280.00} and the collection was opened on XX/XX/2020. I did not notice it until I checked my credit report 2 weeks ago. I have never used XXXX in my life. I have disputed this with the company, but they claim the information is accurate. It is very frustrating!! 

Thank you for all your help! The CFPB is the best agency the US government has to offer.
Product: Debt collection

I just discovered that I had unpaid medical bills posted on my credit report and reported to my mother because she pays all of my medical bills. Concerned about this I called XXXX XXXX who confirmed they sent the bill and it was returned ( wrong address ), but now was in the hands of Credit Control Corporation, they said they called me previously about the bill. I vaguely remember receiving a call and gave them my mom 's number. She said they may have called her during working hours and they were not able to give her details. She told them that she paid all bills and would have to check. I had XXXX other bills on the same date of service that were paid ( they were billed correctly ). Willing to pay the outstanding bills until the manager refused to remove it from my credit report. First of all, notification of this delinquent bill should have been mailed not a phone call during business hours. An address can easily be found in today 's world ... even a call back to XXXX XXXX. There are so many scams, I would never give HIPPA information to anyone on a random call. Just furious that my credit will be affected because other 's do n't perform their job well or correctly. I was very sick and all bills that were received were paid. It 's sad that CCC would rather ruin my credit than accept the money owed. Not reasonable at all, how long will it take for this to be removed from my credit? I am young and have time to build my credit. I am the one that reached out to them to take care of this ... ..shame on them for not contacting either one of us by official mail!! WORK ETHIC and CUSTOMER SERVICE VERY POOR with Credit Control Corporation!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask Experian to delete negative information from my report. Experian send me my disputing results were it saids that all negative personal information has been deleted but has not been done as described under Results.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has so many incorrect accounts reporting to my file, unknown and unauthorized accounts inwhich I'm writing to be removed immediately, or the three ( 3 ) major reporting agencies must delivered to me a physical certified signed contract that validates their reporting. These accounts are not mines and I would appreciate if they were immediately deleted. Account # 1, Missouri XXXX XXXX {$6300.00}, Account # 2, XXXX XXXX XXXX {$440.00}, Account # 3, Missouri XXXX XXXX {$78.00}, Account # 4 XXXX XXXX XXXX XXXX {$2600.00}, Account # 5, XXXX XXXX {$820.00}, Account # 6, XXXX XXXX  {$120.00}, Account # 7, XXXX   {$670.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX FUNDING # XXXX, has violated my rights. 

XXXX XXXX # XXXX, has violated my rights. 


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
Product: Debt collection

Health care collections i attempting to collect on debt that is over two years old. They removed it from my credit reports and now are trying to re attempt to collect it. There are two things wrong this, one i had insurance that was never billed, two you can only attempt to collect on a debt for XXXX  and medical debt and only report for three years in the state of az! This is again the FCRA and i want this item removed i have also sent a cease and desist letters and this complany is still contacting me. Not only did the bill inaccuratly now they are trying re report
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized this company to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

bank unlawfully an illegally still have this account on my credit report .account was closed XXXX