23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Santander not only took advantage of me with their predatory tactics. But also with their not for public view internal XXXX XXXX. They are blatantly re aging the debt its been close to 8 years now. Santander also received a check from the insurance company AND sold the product at auction which Santander never sent me a 1099c for for the amount that it was sold at auction. In the eyes of the IRS that money is considered earned income to the person that signed the contract. A 1099c was never issued which makes me believe that Santander never paid taxes on that money. Not only did the drivers insurance company give Santander {$7000.00}, but it was also sold at auction by Santander on top of the money that was already paid in payments which turns out that only 1-2 $ of every monthly payment was going towards the principal!!! 1-2 $ /month going to principal, if thats not predatory lending, scamming and stealing I dont know what is. This account is also being reported on my account as an auto loan when the contract signed it states retail installment sale or credit sale NOT auto loan. In one document it states the highest amount owed is {$15000.00} plus dollars than on the credit reports it states highest balance {$13000.00} plus. Ask Santander to show u proof they filed 1099c for the amount gained from the auction. Santander has continued to commit the Most blatantly purposeful violations since the starting of the CFPB and after the millions in settlements Santander had to pay they still have not learned their lesson.
Product: Debt collection

The debt owed is from a XXXX XXXX account. Jefferson Capital Systems , LLC owns the debt. The collections account was opened on my credit report on XX/XX/2019. I have been using straight talk or XXXX XXXX XXXX as a phone provider for over 5 years. This debt should not be on my credit report. I have received no information or account numbers from Jefferson Capital Systems that will allow me to review their claims to prove that I owe them for a debt. Every email I have received from Jefferson Capital doesn't provide me with any information or account numbers I can use to reference my debt. They send me links all of the time that wont allow me to make payments even if I wanted to pay this phony debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. 
I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX  XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Mortgage

to me 6 days agoDetails To whom thus may concern, This is to advise you that the company, Santander bank, NA, did not address my concern in the least. I had requested that they consider my request that I pay them $ XXXX until all my mtge arrears had been paid up and it was never replied to by either their attorney nor their mortserv person whom I had contacted when this arrears issue first arose. Note, my mtge payment had been deducted from wife 's checking account monthly until I, not my wife, declared bankruptcy last XXXX, 2015. - then they stopped making direct withdrawals from her account. I had been instructed to contact their point of contact office and did so several times. They sent me a packet of forms to fill out, including my financials, reasons why I felt that I should be granted a mtge modification and was told to include any documentation relevant to this case. I did so and received a very perfunctory reply from them which you wrote to me that they sent to me/ you? on XXXX, after their underwriting team took a few weeks to consider my request -- namely that I was turned down due to " item # XXXX '', which, a few pages into their reply, explained that this was due to the fact that my residence was a co-op! 
I then decided to file with your agency and have been receiving annoying calls from the bank almost daily. When I speak to a rep, it 's always the same thing -- badgering me when/ if I can pay, asking me if I can borrow from a friend or relative, can I liquidate any XXXX I may have, etc., never any discussion about my proposed installment plan. 
note, my initial complaint with them was NEVER resolved. I had asked them to forgive the approx {$930.00} they tacked on to my 2 months mtge payments which are in arrears, for legal fees ( {$820.00} ), + late fees and inspection fees for an additional approx {$100.00}, due to the fact that it was THEY who stopped my payments from being received and the fact that XXXX XXXX XXXX, Santander 's attny, never got back to me to resolve this issue nor to address my request for an installment payment way back in XXXX of last year, despite both my and my attorney 's trying to resolve this issue with her. 
And as for their telling me in their explanation what they have done or will do to solve my problem, they have done neither, just a very tersely worded account stating that since my home us a co-op, that I was not eligible for a loan modification, which is NOT even what I was requesting.p in the first place. All I was requesting was for them to accept my installment plan and to forgive that addtnl {$930.00} they added due to their malfeasance.. 
I do greatly appreciate your allowing me to firstly file my complaint with your bureau and secondly, to dispute my bank 's reply. Thanking you for your time given this matter, I am, Yours truly, XXXX 
Incidentally, I hit the DISPUTE BUTTON BUT IT KEEPS ON SHOWING " SUBMITTING '' Reply Forward
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below from my credit file. I am a victim of a data breach, and these entries are fraudulent and unauthorized. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my right to have these items removed. 
Fraudulent Accounts : 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 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 have an existing dispute with XXXX about XXXX late payments reported in my credit report. XXXX for some reason has decided to investigate the issue with the furnisher, which I do not understand what investigation they are trying to do about the late payments that are not supposed to be reported on any consumer report according to 15 USC 1681 2 a 1 that clearly says and quote, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. We all know a late payment is a transaction. Today XXXX I sent the XXXX consumer agencies a letter stating the law and to remove those XXXX late payments. I also sent a letter to XXXX XXXX regarding the same issue.
Product: Credit reporting or other personal consumer reports

I CONSTANTLY CHECK MY CREDIT REPORT AND NOTICED THAT THE ERRORS AND FALSE MISLEADING INFORMATION FOR INDIVIDUAL ACCOUNTS DIDNT QUITE MEET THE CREDIT REPORTING STANDARDS OF BEING 100 % CORRECT. THIS HAS DAMAGED ME AND HELD ME BACK FOR SOME TIME. I'M NOW DEMANDING THE CFPB TO ENFORCE THE CORRECTION AND OR DELETION OF THESE ITEMS. TWO NEW MEDICAL ACCOUNTS HAVE BEEN REPORTED ON MY CREDIT REPORT WITH TRANSUNION ONLY AND ACCORDING TO 15 US CODE 1681a ( 3 ) THESE MEDICAL COLLECTIONS ARE IN VIOLATION AND CANT BE ON MY CREDIT REPORT XXXX XXXX AND THE ORIGINAL CREDITOR IS EMERGENCY RESOURCES GROUP IN WHICH MEDICAL COLLECTIONS ACCOUNTS HAVE ALREADY BEEN REMOVED.
Product: Mortgage

Original loan documentation has PMI section. Indicates a borrower can request cancellation of PMI when " ( XXXX ) The date the principal balance actually reaches 80 % of the original value of the property. '' I put a request in as our market area as experienced an increase in property values. I understand I would have to cover the appraisal costs to affirm the property value. However, when I received the letter from Wells Fargo, it now indicates a 70 % LTV is required.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under XXXX U.S. CXXXX  XXXX ( b ) and XXXX U.S. CXXXX XXXX ( XXXX ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit card or prepaid card

Synchrony Bank via their XXXX store card ending in XXXX placed a {$130.00} charge on the XXXX card account in XX/XX/XXXX to pay for XXXX XXXX without my knowledge or consent. They later marked the account as delinquent in payment which damaged my credit score. During a phone call with their representative in XX/XX/XXXX they agreed to rescind their late fees, pay off XXXX XXXX using an account of my choosing, and cancel the card. On XX/XX/XXXX XXXX cancelled my XXXX account and the {$130.00} charge on the card. On XX/XX/XXXX Synchrony Bank billed my selected account {$130.00} despite the fact that XXXX cancelled all existing charges on the store card ending in XXXX. On XX/XX/XXXX after discussions over the phone with XXXX and Synchrony Bank, Synchrony Bank agreed to refund {$130.00} via a mailed check to cover their charge made to my account which should not have been made.
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 data I am questioning connects 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, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX  XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I submitted dispute to XXXX  & all the bureaus because I was a victim of identity theft and they have this reporting as it was included in my bankruptcy which it was not. It was a part of my identity theft. I filed everything according to FCRA section 605 and I went down a check list and everything I submitted was acceptable to all the other creditors & bureaus from the identity theft was a victim to and now XXXX  & is saying they looked at my submitted documents which include identity theft affidavit signed by the officer that I filed police report with & it was noterized and I included the police report and all other documents required. So as stated in the laws on FCRA sections 605,609, 611,623 & their subsections XXXX  is in violation of multiple breaches of the law and it is within my rights to request all sources and methods they used to verify and for them to remove this inaccurate information from my credit reports before I excerice my right to take legal action as stated in section 616 of the FCRA. 

The account number in question is XXXX Also I want to know how they were able to access the sources of my information and how they finished my dispute so quickly
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my report from XXXX XX/XX/2021 & XX/XX/2021 ( XXXX ), Toyota Motor Credit XX/XX/2021 ( XXXX & XXXX ), XXXX XXXX XXXX XX/XX/2021 ( XXXX & XXXX ), XXXX XXXX XX/XX/2021 ( XXXX ) , XXXX XXXX XXXX XX/XX/2021 ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/2021 ( XXXX ) , XXXX XXXX XX/XX/2021 ( XXXX ) and XXXX XXXX XX/XX/2021 ( XXXX ) all which I disputed because I didn't apply for those companies. I have even sent in letter for possible identity theft which all companies haven't responded to or said they would remove immediately
Product: Credit reporting

Under the Derogatory Account section of my Credit Report appears XXXX ( XXXX ) for {$1300.00}. I have no idea what this is and it has negatively affected my credit score and ability to obtain a car loan. I have only XXXX credit card a Visa.
Product: Credit card or prepaid card

I am the victim of identity theft and several credit cards were opened using my personal information. I have filed a police report several times as a result of fraudulent accounts being established in my name without my knowledge. One store credit card in particular that was opened with TD Bank/Target was opened up online using my personal information. I have tried several times to resolve this issue with TD Bank/Target, but they have refused to accept my police report and identity theft affidavit. They have not provided any proof that shows that I was the individual that opened this account other than stating that payments were made. The credit card was charged up to {$350.00} at Target. I have provided TD Bank/Target with all my identification, proof of residence, police report as well as an identity theft affidavit used by their fraud department. They have refused to help me resolve this issue despite all of the documentation that I have provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a letter of verification to XXXX XXXX and Transunion. I sent that letter about 35 days ago and have yet to hear anything back from them. I ask that they supply me with information on how this account was verified and why was it showing up on my credit report. I don't feel as I am liable for the debt that is being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account XXXX XXXXXXXX, XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX, XXXX XXXXXXXX Account XXXX XXXXXXXX, XXXX XXXXXXXX Account XXXX XXXXXXXX, XXXX Account XXXX XXXX, XXXXXXXX XXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX, XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX, XXXX Account XXXX XXXXXXXX, XXXX Account XXXX XXXXXXXX, XXXX Account XXXX XXXXXXXX, XXXX Account XXXX XXXX  XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX, XXXX XXXX Account XXXX XXXXXXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

There are 3 accounts that aren't mine and I have disputed them in the past. Against the FCRA, they keep reporting and need to be removed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc . ) due to there inadequate customer service and unfair practices, which violates the consumer financial protection act ( cfpa ). In particular they failed to act in a timely and effective manner to prevent and address fraud in there financial institution leaving my account vulnerable and with there resolution processe was designed to be manipulating and deceptive to say the least as they did not comply with electronic funds transfer act ( EFTA ) as-well as regulation E. These actions have caused me extreme distress and inconvenience aswell as financial losses and I hope to seek compensation for these violations against the people
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to the inadequate customer service and unfair customer practices, which violate the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I tried writing this Collection Agency numerous times with the attached Hereto correspondence., The phone bill in question was paid in full before the collection process., I requested on two seperate occasions full Validation of the debt., All they provided to me was a copy of a phone bill., Under the Fair Debt Collection Act., I requested and did not receive the following An explanation of what the alleged account balance was for A calculation of the balance., Including the complete payment history on this account so that I have proof that this amount is correct Documentation that shows I agreed to pay this debt The agreement that grants them the Authoruty to collect on this alleged debt. 

A copy of their state license including license number
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX  is reporting incorrect info to my account.The account reporting is not my account... I have been an victim of identity theft.This account was open fraudulently.I never had this card.I want the opening this card investigated and removed from my consumer credit reports.I have contacted the police.I have filed a complaint with OCC about 3 times.I have also contacted the FTC.This is not my account.I never applied for this account in XXXXIf i have to file a lawsuit aganist them in federal court.I will file a lawsuit.I want this removed from my account asap... I want this investigated.
Product: Debt collection

Creditor Name NCB MANAGMENT SERVICES Account No. 
XXXX I paid for this account to be deleted. I have a recorded conversation and an email stating this. This account hasn't been deleted or updated at all.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX, am submitting this request to Consumer Financial Protection Bureau to formally file a complaint against GM Financial Compliance Department with not compiling with the Formal Letter Written by XXXX XXXX ( GM Financial Compliance Department ) submitted to Consumer Financial Protection Bureau and myself on the removal of the eight unauthorized hard inquires reported on my credit by GM Financial. The Compliance Department at GM Financial agreed to remove the unauthorized hard inquires in a Formal Written Letter dated on XX/XX/XXXX, XX/XX/XXXX, and email communication with XXXX XXXX on XX/XX/XXXX. However, the unauthorized hard inquires have not been removed and are still listed on my credit report. I have been more than patience with GM Financial and have given this department five months to process the submission of removal to the appropriate credit reporting agencies, which include XXXX, XXXX, and XXXX. I have been in contact with all three credit agencies regarding the status on the removal, which include telephone conversations with the dispute departments in XXXX, XXXX, and XXXX. The dispute department have disclosed that there is no past or current submission of removal in place.

These unauthorized hard inquiries are not in relation to any open or active accounts. These hard inquiries have adversely impacted and exhausted my credit report, which have affected my credit worthiness as a customer. I am attaching a formal letter from GM Financial to support my claims stated in this complaint.I believe that the inquiries made by the aforementioned business were made without permissible purpose as outlined in the FCRA, specifically 15 U.S.C 1681b. My interactions with this company involve clear communication. GM Financial did not have permissible purpose to make multiple hard inquiries without my consent, as these actions are not authorized by law. I request that Consumer Financial Protection Bureau takes the necessary actions to investigate this complaint to have these hard inquiries removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigations taking longer tan 30 days, already a FDCPA XXXX, since is acquiescence. Administrative process is now complete. Companies have not validated any claims only hearsay of reporting accurately and furnishing reports without my consent or proof thereof.
Product: Debt collection

I never live in Texas. Someone using my credit to apply the utility company and not paid bill. Original Creditor is XXXX XXXX XXXX  XXXX. 
The amount is {$1100.00}. A collection agency is now pursuing the debt. 
The company name is LVNV funding LLC. C/O Resurgent Capital Services . XXXX XXXX XXXXXXXX, XXXX, SC XXXX. It damaged my credit score. 
I disputed with three credit reporting agencies. 
I never not paid any bill.