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

I have a loan with SANTANDER CONSUMER USA. The current status should not be showing late because I think I paid on time. This just proves that the 3 Credit Bureaus lacks proper record keeping. Now, this account is reporting to be late, yet it is closed and the balance is XXXX. How can this be fall to a charge off account when the balance is already XXXX. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
SANTANDER CONSUMER USA XXXX Opened XXXX XXXX, XXXX Balance {$0.00} SANTANDER CONSUMER USA XXXX Opened XXXX XXXX, XXXX Balance {$0.00}
Product: Money transfer, virtual currency, or money service

I have been trying to get item from a seller on your platform XXXX XXXX an a unauthorized transaction of {$410.00} and {$420.00} was done on my card, I have reached out to my bank and my bank told me to try and work with the buyer first, I reached out to my seller and seller agrees to refund but while she try to refund, Square wont allow her send the money back to my card, look into the transaction with my card details .. the invoice was sent to another email entirely and not to my email that Im sending this message from please do not release money to the seller and kindly allow refund I have attached video and picture evidence of Square not allowing refund Ill file same case with XXXX  and consumer fraud! I need my money and I have attached all prove from my account history, kindly allow refund and call the seller to inform her that she can now initiate refund back to me, DO NOT RELEASE MONEY TO HER ACCOUNT AS I WILL DEFINITELY CHARGE BACK IF MY MONEY IS NOT REFUNDED!
Product: Credit reporting or other personal consumer reports

After much confusion, countless visits to their site, several phone calls and pure frustration, I received a letter from Lexis Nexis with a code to obtain my Consumer Dislosure Report online for 30 days. I reviewed my report but am unable to dispute the accuracy of my auto claims. I have been through their website inside and out several times only to give up and become more upset with their utter lack of transparency. LexisNexis makes it very difficult to obtain your report and impossible to dispute anything! There are 4 claims reported as comprehensive ( CP ) instead of Glass ( GL ) which have been negatively affecting my husband and I and our ablility to obatin auto insurance for 1 year now. We have 4 vehicles and needed to replace 3 of the 4 vehicles windshields and one of the vehicles windshields was replaced incorrectly and it cracked immediately and needed to be replaced again. Our insurance rates have doubled since XXXX our previous insurance company reported the 4 claims as comprehensive. I have proof that the increase in premiums is due to these claims. I called the Arizona Department of Insurance to file a complaint because being punished for comprehensive claims is illegal but they said insurance companies have a right to report the claim. My insurance broker said XXXX shouldve reported the glass claims as Glass instead of Comprehensive. I need to have these claims either removed entirely or reported as Glass immediately. I am currently considering legally seeking reimbursement of the additional cost of insurance due to this inaccuracy and neglect. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On about or about XXXX 2019 I applied for a new loan with XXXX XXXX, they denied my loan but sent me to One Main they might help! I applied and was subsequently denied by One Main.Since then everyday i was getting letters from One Main saying my loan was denied and that i could request specific reasons Up until today i disregarded these multiple emails Today I received another email saying my loan application was denied TODAY I made no such application .Once i realized what they were saying I called ONE MAIN i was treated rudely They refused to let me speak with a supervisor.They said the application was made in my name with my real social security number.and then they hung up I contacted XXXX XXXX they said there was nothing they could do .If they realized my personal information or did not protect it that must be rectified.XXXX XXXX said they are investigating it.XXXX XXXX should be held accountable for partnering with a scam lender
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ) .I 'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : 1.Parker v. Time Warner Entertainment Co. L.P. , 331 F.3d 13 ( 2d Cir. 2003 ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
2.Sarver v. Experian Information Solutions , Inc. , 390 F.3d 969 ( 7th Cir. 2004 ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
3.Henson v. Santander Consumer USA , Inc. , 2017 U.S. Dist . LEXIS 191143 ( E.D. Va. 2017 ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX, XXXX  XXXX BANK XXXXXXXX XXXX XXXXXXXX BANK XXXX, XXXX CARD XXXXXXXX XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report. 
Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Debt collection

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX Company Listed above recently listed debt collection account demanding {$480.00}. The entry included the supposed original creditor as " Advance America '' XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX Contacted company above to find ways to resolve problem relating to negative entry on credit report. Attendant searched company records using SSN and listed contact number. The attendant was unable to find any record supporting " XXXX XXXX XXXX  XXXX. '' claim demanding {$480.00}.
Product: Credit reporting or other personal consumer reports

This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i have try over and over to fix this problem. they have not fixed the errors in my consumer report.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 A payment was made in the amount of {$1000.00} via debit transaction in the retail XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The payment was inclusive of a past due amount {$190.00} plus current month {$190.00} along with {$610.00} in principle payment. The past due amount was due on XX/XX/2024 along with the XXXX payment. On XX/XX/2024 I received credit notification of a 30 day late and improper balance report as well. I am requesting the 30 day late status and balance adjustment in an expeditious manner. Attached you will find a copy of the store receipt and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX refuses to XXXX me online access to my statements to review due dates, statements, or make online payments. I have called several times to seek resolution and no resolution has been offered. The representatives will terminate the call and send you back through the automated prompts repeatedly or hang up to avoid the situation.
Product: Credit card

Our apartment leasing office forced us to use only XXXX credit card for rent payment. 
And after I setup auto-payment, it first told me on XXXX that my balance was 0 so " Your autopayment was not processed '' then on XXXX, it charged me nonsense late payment fee {$25.00} and interest {$66.00}. 

Their practice is to mislead the customer on payment and earn these junk fee for profit.
Product: Credit reporting or other personal consumer reports

I Was Looking At My Consumer Report And these Accounts Look Weird To Me : The Last Date Of Activity, The Last Date Of Payment, The Account Number, The Account Balance, Everything On these Credit Items On My Consumer Report Looks To Still Be Incorrect & Incomplete. I Have Disputed These Accounts Multiple Times With Both You ( XXXX  ) and Experian And Both Of You Have Failed To Throughly Investigate & Update The Account To Be Complete And Accurate. I Refuse To Pay These Alleged Debts And I Am Now Asking You To Please Delete These Items From My Consumer Report Because They Are Not Accurate And Not Complete Even After Multiple Reinvestigations. I Never Gave My Authorized Consent to Report These Accounts and You Have Also Failed To Disclose Of My Right To Opt Out Of Reporting. Please Delete The Accounts. I Greatly Appreciate You. 

Please see attached. 

Account Name- XXXX Account # XXXX ( {$290.00} ) Account # XXXX ( {$63.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

My previous credit report was showing 60 day lates for my student loans XX/XX/XXXX & XX/XX/XXXX that was being serviced by XXXX XXXX XXXX XXXX XXXX. 

I reported this to the Consumer Financial Protection Bureau and uploaded my credit file reflecting XXXX XXXX XXXX student loans being reported 60 days late during the Covid pandemic. 

I later received a call from a XXXX advocate, who had been assigned to my student loan file. The XXXX Advocate explained that XXXX XXXX did not report me late, but Experian continued to report me late due to me calling Experian to dispute the inaccurate student loans. 

Experian Corp has prevented me from receiving financial funding for my business that I needed for my staff payroll, also almost cost me my residence, as I was in the mist of closing on my home. In addition I was unable to finance MUCH needed medical equipment for my XXXX child. 

Experian Corporation MUST be held accountable for the hardship they have inflicted on my family, business, as well as staff. Experian corporation did not have the right to report my student loans late after XXXX XXXX, and President Biden clearly stated no XXXX XXXX XXXX loans have to be paid until XX/XX/XXXX. 

Experian went against an official presidential order and affected my life tremendously. I have lost many things that I can not recoup do to Experian neglect. They have updated the bureau and try to return back to life as though it has not cause detrimental effects in my business as well as personal affairs. 

I am certain that Experian is doing this to a multitude of US Consumers. Experian need to be investigated for official financial oppression, fraud, as well as deceptive practices. 

If any federal agent need any information from me please feel free to contact me and I will provide all documents and proof. 

~XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting LATE PAYMENTS, Account # XXXX According to 15 US Code 681s-2, 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, and therefore a violation!

Late payments are ILLEGAL according to 15 US Code 1681a ( 2 ) ( 1 ), AND THEREFORE MUST BE REMOVED TO CURRENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine and an account that was never late. I sent a dispute letter in regards to XXXX, EQUIFAX, and XXXX  on XXXX and XXXX asking that they be removed. Please note response should have been provided by XX/XX/2021. I have not received report and XXXX, EQUIFAX, and XXXX are over the time frame required to submit a report to me. Please investigate and send me an updated report.
Product: Debt collection

The is a debt collection company by the name of NATIONAL CREDIT ADJUSTERS who parked debt on my consumer report without ever contacting or notifying me. I, XXXX XXXX, do not know where this debt came from. This company is neither licensed to collect in the state of TENNESSEE. They have violated my rights because I was never given the opportunity to dispute the debt, I did not receive any disclosures, and they are damaging my reputation. This company is reporting multiple " C '' notation on my consumer reports which is misleading and also further damaging to my reputation as well. This company is violating the FCRA and FDCPA. This is deceptive and abusive behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had car loan through Honda Financial that was paid off in XX/XX/2019. During the whole life of the loan not one payment was missed or unpaid. On my credit history it shows my last payment was XX/XX/2019 but shows a late payment for XX/XX/2019. This is taking a huge hit on my credit report. I never received a late statement a notice NOTHING. I tried reaching out to Honda Financial multiple times they are closed. Please help take this off my credit report.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit card or prepaid card

I have made nearly {$7000.00} in voluntary payments to the Apple Card with an {$1800.00} credit limit in the past month alone. I have never missed a payment due. 

Two of my payments failed, which I immediately rectified. The money was removed from my bank account, however, my available credit is entirely on hold, despite the payments being voluntary. I have been repeatedly told that they need additional time to clear the payments, due to the failed transaction, however initially they told me it was because I switched payment accounts. 

I have been repeatedly misled by Goldman Sachs in this endeavor.

Also, they have repeatedly suggested that I should have used Apple Cash instead, as it can be verified faster.

I am of the belief that I am being manipulated into utilizing their preferred service in the interest of their partnership with Apple, over my bank account. I have been repeatedly told that my payments can not be cleared, despite them having cleared multiple payments for me instantly in the past. 

They reference repeatedly that this is due to their System placing my payments on hold. Apparently they have no control over this System which is the vague arbiter of my money being cleared. Suddenly there is nothing they can do. 

I have been declined since this event in many embarrassing situations, despite my balance showing as zero. I tried to buy my son ice cream, it was declined, I had multiple services connected to this card, those have all been declined, and continue to be. My XXXX account for charging my car was declined, I was stranded in a snowstorm at the charging station and had to change my payment account from the Apple Card which took hours, as the roads got worse and worse. 

They still have my money hostage. I have been told repeatedly to keep making my payments on time by the Apple Card team at Goldman Sachs. When I have never missed a payment. 

They said they have escalated my case to Senior Management which I have yet to hear from. I feel quite helpless as a consumer in this situation. My money is gone from my account, and my balance shows as zero, but also my available credit is zero. They have a different explanation every time for why this is happening. I am confused and feel quite misled.
Product: Vehicle loan or lease

The company XXXX XXXX was sent a payment and it only applied as interest when the account is currently paid as expected Meaning that the total amount of the loan owed has not changed at all after a payment was made
Product: Credit reporting or other personal consumer reports

Transunion is reporting inaccurate and non-verifiable information on my credit report. Despite my formal disputes, Transunion has failed to provide verifiable proof of the reported information or remove it, which violates my rights under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ].

Details of the Complaint : 1. Failure to Remove Non-Verifiable Information Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if Transunion can not verify disputed information within 30 days, it is legally required to delete the information from my report. 
I submitted several disputes regarding [ XXXXXXXX XXXX # XXXX ], and Transunion has either failed to investigate properly or has continued to report unverifiable information. 
XXXX. Failure to Conduct a Proper Investigation 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires Transunion to conduct a reasonable reinvestigation of disputed credit information.

Instead of providing proof of verification, Transunion has continued to report incorrect information, harming my credit.

3. Failure to Provide Adequate Documentation Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), Transunion must provide me with the name, address, and contact information of any data furnisher that allegedly verified the disputed information.

Transunion has failed to provide this required documentation, meaning the disputed information is unverifiable and must be deleted.

This ongoing issue is negatively impacting my financial standing, and I urge the CFPB to intervene to ensure compliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries own my report, requested XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax/Equifax credit bureau is sending out frivolous letters. They recently sent me XXXX letters on the same date, XX/XX/2022, for identification after they fraudulently said they couldnt find my account and removed/deleted some accounts I requested to be removed/deleted when I called XX/XX/2022 and submitted my complaint through CFPB also on XX/XX/XXXX. These actions are making me lose confidence in Equifax/Equifax credit bureau XXXX