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

I recently looked at my credit reports and noticed that Santander Consumer USA reported negative marks Paid account/was 30 days past due on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time.

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 

I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve
Product: Consumer Loan

I paid off my Ford Credit loan early around XX/XX/2017. about a week or so later i got a letter with a check for {$8.00} saying I overpaid my paid in full contract. 
I got a couple of emails asking to take a survey and then a couple of emails asking for a call but not any reason to call. I assumed it was for feedback or to offer another loan. I did n't follow up as I am not interested. 
However, it appears that I put my account number in incorrectly and the payment did n't go thru. Unfortunately, I was never told this. The emails said nothing of this. 
They took the car yesterday and when I explained that i was n't aware it was not paid in full I was basically told that it was n't their problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft. Ive reported numerous times and has freezes place on all 3 credit bureau. However Affirm is still reporting false information to XXXX. Fraudulent accounts charge off that does not belong to me. I have disputed this account over 3 times I have filed police report and FTC report and signed affidavit with Affirm stating this is a Fraudulent account. Affirm keeps reporting this account is accurate and Im responsible for account. This is not my account. The affirm account change off amount is {$2200.00} date XX/XX/2022 2022
Product: Mortgage

I will be providing details and documents in the section below. The dispute, in a nutshell, is that our mortgage lender is attempting to charge us a {$100.00} processing fee for which it has no legal, equitable, or justifiable basis, because we transferred our title from ourselves as joint tenants to our revocable trust. 

XXXX
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 USC 1681. 
Acoounts Name & Numbers : ( Some Accounts I Only Have Partial Account Numbers, But I Will Provide My SSN Later to help track 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 XXXXXXXX All Have Violated My Rights. 



15 U.S.C 1681B No Permissible Purpose 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. 16815-2 ( 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 placed a fraud charge for XXXX XXXX immediately and for years later-Wells Fargo ignores. Last month I went in XXXX branch and was there an hour with XXXX banker and service Mgr,. XXXX XXXX deleted my claim document scanned in and He does not remember anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Florida Department of Revenue is reporting two closed accounts on my XXXX  credit report, one closed account on my Equifax credit report and two closed accounts on my XXXX  credit file. These accounts are inaccurate, reporting inaccurate balances and inaccurate case statuses. I have made contact with Florida Department of Revenue on many occasions to request that this information is corrected. I have also disputed this information through the credit reporting agencies with no resolution only a return of information verified, but with no documentation provided to confirm the accuracy of the information provided.
Product: Credit card or prepaid card

When I signed up for this card to get agreed upon ( Bank of America ) I agree for paperless billing and auto When I didnt get a bill I thought I was on autopay turns out the autopay was not set up and a late payment got posted to my credit report Could you please help me get that removed? 

Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under XXXX XXXX XXXX ( XXXX XXXXXXXX ( XXXX XXXX XXXX 
XXXX communication after a certified cease-and-desist request, violating XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX under XXXX XXXX XXXX ( XXXX XXXX XXXX. 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under XXXX XXXX XXXX XXXX.
Product: Credit card

On XX/XX/year>, I received a warrant in debt summons from XXXX XXXX XXXX stating that they purchased an alleged debt from Indigo aka Genesis FS Card Services for a credit card that was taken out in my name and was unpaid. This was the first time I ever heard of Indigo or Genesis FS Card Services. When I opened up the paperwork from XXXX XXXX XXXX they included the credit card statement from Indigo where it showed a balance of {$1300.00} that I allegedly owe. My name was listed on the statement, however it listed a mailing address in Mississippi. The address showed as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I have never lived in XXXX XXXX nor held an address there. I do not have any family, friends or aquaintences in XXXX XXXX I gave no XXXX permission to open up this line of credit. This is clearly fraud and it's a shame that I had to find out about it from a 3rd part debt collector who had purchased my alleged debt from this company. I first filed a complaint against XXXX XXXX XXXX through this site ( CFPB ) and it was closed as they were not the original debtor. I was advised to reopen a case against Indigo so that is what I'm doing. However, unfortunately XXXX XXXX XXXX has reopened my warrant in debt case and I have a court date of XX/XX/XXXX for this debt which is fraudulent and not mine.
Product: Credit reporting or other personal consumer reports

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Experian reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove these fraudulent accounts from my XXXX credit report. 

1. Please remove this account from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX  Account Type : Collection Date : XX/XX/XXXX Balance : {$280.00} 2. Please remove this account from my credit report. 
XXXX XXXX XXXX XXXX Account Type : Collection Date : XX/XX/XXXX Balance : {$3600.00} 3. Please remove this account from my credit report. 
XXXX XXXX XXXX XXXX Account Type : Collection Date : XX/XX/XXXX Balance : {$5700.00} 4. Please remove this account from my credit report XXXX XXXX Account Type : Charge Off Date : XX/XX/XXXX Balance : {$110.00} 5. Please remove this account from my credit report. 
XXXX XXXX XXXX XXXX XXXX  Account Type : Closed Account Date : XX/XX/XXXX Balance : {$530.00} 6. Please remove this account from my credit report. 
XXXX XXXX Account Type : Repossession Date : XX/XX/XXXX Balance : {$8400.00} There was no action that was completed by the company. 


Please remove this from my XXXX credit report. 

1. Please remove this account from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Collection Date : XX/XX/XXXX Balance : {$280.00} 2. Please remove this account from my credit report XXXX XXXX XXXX XXXX Account Type : Collection Date : XX/XX/XXXX Balance : {$3600.00} 3. Please remove this account from my credit report. 
XXXX XXXX XXXX Account Type : Charge Off XXXX Balance : {$10.00} 4. Please remove this account from my credit report XXXX XXXX Account Type : Repossession Date : XX/XX/XXXX Balance : {$8.00}, XXXX XXXX. Please remove this account from my credit report. 
XXXX XXXX XXXX XXXX XXXX Account Type : Closed Account Date : XX/XX/XXXX Balance : {$530.00} Please remove this from my Experian credit report 1. Please remove this account from my credit report. 
XXXX XXXX Date : XX/XX/XXXX XXXX : {$530.00} 2. Please remove this account from my credit report XXXX XXXX Account Type : Charge Off Date : XX/XX/XXXX Balance : {$110.00}
Product: Money transfer, virtual currency, or money service

XX/XX/21 checks were issued from a bank and sent to me I received them. I took them to my bank and because of the amount on the checks ( {$160000.00} in total ) the cashier could not process the check because of her cash limit. 7 days later the amount of {$160000.00} hit my bank account balance so that I could put a deposit on a larger loan. I then wire transferred the money to the man in charge of the transaction. 2 days later my bank 's fraud department contacted me saying the checks were fake and that my account is now - {$160000.00} and that the bank could take up to 60 days after it had been processed to my account giving a false sense of security when I assumed the manager processing the check had my best interest. Almost 2 years later this is unresolved and I have not been able to have a bank account since until it is resolved.
Product: Credit reporting or other personal consumer reports

The 3 Major Credit Reporting Bureaus. Have survived XXXX XXXX. XXXX, XXXX XXXX  & other laws enacted to demise the worth of XXXX  beings. Yes I believe they have committed securities fraud. In violation of Title 31 Money & Finance : Treasury. 1.32 only the Treasury uses full Social Security Numbers. They have consistently violated my consumer rights & laws of 15 usc 1681 ( n ) & 15 usc 1692 ( k ). 15 usc 1692. Identity theft 15 usc 1681b ( 2 ). I'm @ the point I'd like to sue every Bureau with a class actions lawsuit. For XXXX ppl who I believe have been discriminated against such credit reporting Bureaus.
Product: Debt collection

I continue to receive repeated calls and threatening voice mails on my Straight Talk cell phone from someone at " Cooper, Klein, Hoffman/XXXX and Associates '' at ( XXXX ) XXXX mostly but a few other numbers as well, all with out of state area codes. The voice mail threatens legal action against " XXXX XXXX '' and references " file number XXXX. '' The voice mail demands a call back at ( XXXX ) XXXX to avoid this action. I am not XXXX XXXX. I have had this phone number since 2012 and my number is on the Do Not Call Registry. I have previously experienced similar calls at this number for a " XXXX XXXX. '' I was able to get those calls stopped by talking with the caller but have been unsuccessful with the callers looking for " XXXX XXXX. '' The calls taper off for a month or two but always resume after a brief hiatus. I have spoken with Straight Talk and was told there is nothing they can do. They advised blocking the calls or changing my phone number. Unfortunately, changing my phone number is no guarantee that I would not get yet another tainted number and be no better off than I am now.
Product: Checking or savings account

Unemployment money and taxes and resources. Credit cards under my name. Please help yes I made police report ready
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One reported me late for an annual fee and I haven't used this card in years. How can they do this during a global pandemic? Please remove this late payment. The account number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've paid multiple credit repair companies due to Equifax Data Breach exposing my Personal Information.
Product: Credit reporting or other personal consumer reports

Account information : Original Creditor-XXXX XXXX Account XXXX ( XXXX ) - Experian ( XXXX ), XXXX ( XXXX ) According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Not only have they violated the Fair Credit Reporting Act, they also violated the Privacy Act of 1974 under 5 U.S. Code 552a.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to remove a closed account from my XXXX credit profile as the statue of limitations has exceeded the 7 year mark on XX/XX/21. In addition I attempted to dispute another card account however XXXX has not provided info and the dispute time has exceeded 30 days,
Product: Vehicle loan or lease

After XXXX XXXX XXXX ( dealership ) assigned interest in the retail installment contract I initially agreed to, Gateway Financial Solutions created a new contract without disclosing to me what it entailed, modified the numbers, and used this contract unlawfully to create an account in my name unbeknownst to me. I never understood the full entailment of this new contract and they took unreasonable advantage of my lack of understanding. They insisted and influenced me to execute a contract I had never agreed to. Not only just that, but they seized my property and sold it with all the belongings to me in it. They also have been unlawfully producing and transferring my personal information to credit reporting agencies without my consent on behalf of this account they fraudulently created. 

First I contacted the dealership, which conveniently ( sarcasm ) has gone out of business or have changed their contact information so much I could not find them. So I contacted Gateway to validate the information, where did they get this information ; they sent me payment history, my original credit application, and a retail installment contract that APPEARS to be the same contract assigned to them from the dealership. However when comparing the contract to MY original contract it is obvious that this contract that is on file with them has been fraudulently furnished. My signature is omitted in areas, the XXXX contract omitted, the itemization of the amount financed is totally different, what happened? I contact them over the phone, I sent them documents enclosed in this complaint and they didn't have much to tell me but I wanted them to block and remove this account from my credit report immediately ( this happened yesterday XX/XX/23 ). Gateway Financials ' agents ( specifically, XXXX XXXX told me that they didn't have a GAP contract submitted to them so I should go to the dealership for that ... well I contacted the XXXX people who have records of this still existing GAP contract for my vehicle because I paid for it and on it the assignee is indeed Gateway Financial. Weird. 

I come to the CFPB because this has caused so much damages to my credit worthiness, in fact, I JUST got denied for a simple XXXX XXXX credit card because of what they are fraudulently reporting against me on my credit report. This has happened more than once and I'm sure to several other people, I had to move to a new city, get a new job, and I still don't have a car! My auto payment was shot up and you'll see the deception in the documents because the cash price of this vehicle was XXXX dollars but on the contract it says over XXXX XXXX dollars, I was told this jump was because my credit but that's XXXX. Over XXXX XXXX dollars totally unaccounted for. This is totally unfair as a consumer and GOOD people get taken advantage of every day.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX  XXXX XXXX Date Opened : XX/XX/2013 Balance : {$25000.00} and XXXX  XXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00} If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, I am a victim of identity theft. I submitted my initial dispute well over 30 days ago and still have fraudulent information on my credit report. I need this fraudulent information removed from my credit report within 4 business days. 

Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Fraudulent Inquiries : COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/, COMPANY NAME : XXXXXXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/, COMPANY NAME : XXXX XXXX INQUIRY DATE XXXX XX/XX/2022, COMPANY NAME : XXXXXXXX XXXX XXXX XXXX INQUIRY DATE XXXX XX/XX/, COMPANY NAME : XXXX INQUIRY DATE : XX/XX/, COMPANY NAME : XXXX INQUIRY DATE : XX/XX/, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/, COMPANY NAME : XXXX XXXX XXXX INQUIRTY DATE : XX/XX/, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/, Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CO XXXX,
Product: Credit card or prepaid card

I have excellent credit and my credit score is always above 760. In 2014 I have received a pre approved offer from Chase card for a new credit card. I have called and because of my excellent credit history they approved me with a credit card for a total of XXXX credit limit. I have been using this card for my everyday purchases since 2014 and been a loyal client for them. About one week ago I was trying to pay for a gas at XXXX gas station and my card got declined. Also couple of days ago I have received a letter from them which says that they decided to close my account because I don't have enough credit. 
I have called them but they did not give me any reason and they told me that it is their decision and can not be changed. I have excellent credit history with excellent credit score. If they approved me and my credit was enough for them how come it is not enough for them now. 
I have attached copy of their letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts are in violation of my rights : XXXX XXXX XXXX Account # : 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 that I have a right to privacy and that the entities furnishing my information are required to provide accurate and complete information to credit reporting agencies.

15 U.S.C 1681 section 604 A Section 2. States a consumer reporting agency can not furnish an account with my written instructions