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

My name is XXXX XXXX and I received an adverse action letter from Santander Consumer USA. The letter states that Santander is unable to approve the terms of your credit request, using information from a credit application that was done through XXXX. According to 15 USC 1691 ( a ) ( 3 ), it is unlawful to discriminate against an applicant with respect to ANY aspect of a credit transaction and because the applicant has in good faith exercised ANY right under the XXXX. This is even stated on the letter at the very bottom. I also noticed that it mentions an application for extension of credit. A credit application is applying for credit. Pursuant to 15 USC 1602 ( f ), credit is defined as the right granted by a creditor. Creditor is defined as someone who regularly extends credit AND to whom the debt is ARISING FROM, pursuant to 15 USC 1602 ( g ). Included in that application was my social security number. Obviously thats how my consumer report was pulled. Pursuant to 15 USC 1602 ( l ), a credit card is defined as ANY card, plate, coupon book, or other credit device used for obtaining money, property, or services ON CREDIT. If I am not mistaken, my social security card is in fact a credit card. So in order for Santander to EXTEND credit, there needs to be a source of credit. That source is my social security card. In turn, making me the creditor because I extended my credit and I am who the debt would be arising from. So theyre falsely claiming that they extend credit when their website consists of financing options. Credit and loan/financing are NOT the same nor do they have the same definitions. A loan application is applying for a loan ; financing. So they are taking my credit source and denying me of my own credit based on information that is NOT verified. Finally, in the letter Santander states that if they obtained information from a consumer reporting agency as part of their consideration, they will list the agencys information, which they did. Now the proceeding sentence states that the reporting agency played no part in Santanders decision and is unable to provide specific reasons for the denial of credit. According to 15 USC 1681m ( a ) ( 3 ) ( B ), the latter of that statement is correct but to say that the consumer reporting agency played no part is completely false and contradicting of the previous sentence. It also clearly states that Santander obtained my credit score from this consumer reporting agency and used it in making our credit decision. So it seems as though the consumer reporting agency did in fact play a part in Santanders decision.
Product: Debt collection

Greetings, Thank you for your timely response to my debt validation letter regarding for account ending in XXXX. I accept your dishonor and return it for back for value. Under FDCPA 15 USC 1692g All debts must be validated through a signed oath, affirmation or affidavit under penalty of perjury. You have failed to do the above and you have no claim aganist me. As stated in the previous letter Capital One alleged claim will not be considered if any portion of this Debt Collector Disclosure Statement is not completed and timely returned with all required documents.

You have failed to do none of the above and your claim is null and void ab intio. I do not owe any debt to Capital One. If you can prove this I kindly request that you provide an affidavit sworn under penalty of perjury from an authorized agent or party with first hand knowledge of this. I also demand that you provide evidence that I made payments on this account, and I used the account to purchase goods and serivces via an affidavit sworn under penalty of perjury from an authorized agent or party with first hand knowledge of this. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX - A copy of a consumer contract is not evidence of a debt.
Product: Credit reporting or other personal consumer reports

My letter that I sent to XXXX XXXX : Dear XXXX XXXX Credit Bureau Dispute Department, Earlier this year I called your customer service to close my account and enter into a payment plan. XXXX XXXX agreed to a payment plan, took my banking information ( account and routing number ) and the XXXX XXXX customer service team stated they would enroll my account into autopay. 

However, I was notified via a Transunion alert just a month later ( end of XXXX ) that XXXX XXXX failed to process my payment and enroll my account into autopay. 

My Transunion report now shows Accounts with Adverse Information with XXXX XXXX XXXX XXXX listed as the account for XX/XX/2024. 

The failure on the part of the customer service at XXXX XXXX has negatively impacted my credit as shown in my FICO scores provided by Transunion. 

As you can see on my attached report I do not have any account flags besides the error created by XXXX XXXX. This Transunion report covers the last seven years. 

Please converse with Transunion and all other credit bureaus to remove adverse/missed payment status. XXXX XXXX made it clear that my account would be auto-debited with this new payment plan. I should not have my FICO score drop XXXX points and have negative remarks on my credit report due to this poor customer service. 

Please provide confirmation that this will be fixed on my Transunion report. It has been disputed with Transunion but I would like to ensure both Transunion and XXXX XXXX communicate in order to rectify this. 

I can be reached at ( redacted phone number ) or at ( redacted email ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently looking through my Experian file on XX/XX/XXXX I noticed there were Inquiry 's I never gave authorization to or have no knowledge of. This was not done by me. I Called the companies involved they said it's best for me to deal direct with Experian to get them removed as they have no signed documentation since I did not deal with these companies Here are the inquiry 's that are not accurate and I would like removed from file.

XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened CC in XX/XX/2021. I made my first payment XX/XX/2021 for {$340.00} and paid balance in full. Not yet receiving a bill, I hadnt considered actual billing cycle dates and assumed this took care of XXXX payment. I was admitted to hospital with COVID the last week of XX/XX/2021 and was not released until early XX/XX/2021. I called Capital One and made a {$400.00} payment on XX/XX/2021 and explained the situation. I requested to not have the XXXX and XXXX Past Dues reported to bureaus due to hospitalization and was told to write a request and send to main address. I never received a response but I immediately was notified the past dues got reported like the next day. I called and spoke with customer service and the next few days status was updated to current and the 90 day was removed. I submitted a dispute to get at least the 60 day removed and within a few days, they removed my Current status and the 90 day was returned and it was not showing my {$400.00} payment. I tried to dispute again, no change. Then they started reporting changes in balance almost on a daily basis. Yet my payment still wasnt showing. I called cust serv and said it is very clear they are doing everything possible to ruin my credit and I am going to file a complaint. She tried to give me an excuse of XXXX and XXXX overlapping and my payment getting missed. I said " but you have reported EVERY change to my balance to increase my usage %. These purchases were AFTER my payment, yet my payment still isnt showing and they actually changed my status from 60 Days ( before payment ) to Current ( after payment ) then back to 90 Days past Due after I submitted dispute. How is this legal? They dont report your payments for up to a month after made, but will report your purchases on a daily basis increasing your CC usage and causing a score decrease every single time?
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$750.00}.
Product: Mortgage

I am contacting you because I have nowhere else to turn, I have SPS as my mortgage company and they have been giving me the run around. They are not giving me a fair review even though I have sent them sufficient proof for them to review my loan for a modification. I had submitted a recent application for a loan modification but it came back with a negative result. They denied me because they verified my income to be low. I will be attaching all those documents with my complaint. My gross income is XXXX and my expenses are XXXX, I have a surplus of XXXX. The income that they verified is XXXX, how did they come to this income? I have sent an appeal with them and I know they are going to have me resubmit again, but why? when it was their error, I need help.
Product: Vehicle loan or lease

I had financed a loan with Ford motors in XXXX California. Payments were made on time. Every month. The vehicle suddenly XXXX day while driving the transmission exploded while I was driving. My son 's and daughters were I the car. 
The car was towed and never retuy to myself home address. Payments were no longer owed at the time. 
The restitution fees have not paid neither compensation for XXXX damages to my deed home wills trusts record driving records data reimbursement because a helicopter was sent out. Also damage my home invited as a result of the explosion. Creating an unsafe inhabitable living to myself and children. Since I have lost my home and deed and have not recovered my exact accuracy. Neither has Ford returned all my policies agendas of non damaged living. I was further repudiation victim of terrorists criminal threats intents and other interrupting mental distressing unauthorized call claims and charges. Since I have not been provided withe right loan neither care and fair treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have sent dispute letters beginning XXXX XXXX. We sent registered letters to Transunion and XXXX credit bureaus. Within thirty days the credit bureaus are supposed to report that the account is disputed. Secondly the incorrect information, The date last active is documented on the copy of the credit report I provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Call XXXX about 10 times a day to update my XXXX XXXX to reflect on my accts XXXX XXXX and World finance Company they refuse but they did add XXXX to a XXXX XXXX  but im not in a XXXX XXXX  i ask to speak to supervisor, Special handling no one will help
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2023 to XXXX, XXXX and Equifax. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S code 1681a - Definitions ; rules of construction.

The term investigative consumer report means a consumer report or portion thereof in which information of a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning XXXX such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a credit reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 

How did they complete the investigation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$5200.00} XXXX -- XXXX RXXXX XXXX XXXX XXXX {$4100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$330.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In 2014 I transferred my XXXX account to my roommate prior to moving to a new home. Paper copies of the transfer were signed as well as confirmation made with XXXX after the papers were filed with them. 

Since that point, I have been contacted 4-5 times from collections agencies who XXXX has hired to collect on bills incurred after the account was closed. When I have called XXXX about these charges, they have informed me that they have no records of my communications with them occurring ( including the previous 4-5 times that this has occurred ). The typical resolution after 1-2 hours of time on the phone is that XXXX has " sorted out '' the issue, which they admit is their wrongdoing, before informing me that they 'll let the collections agency know. 8-12 months later, the process has repeated.
Product: Vehicle loan or lease

I went to the XXXX, NY Branch on XX/XX/XXXX at XXXX XXXX, and the Teller put my {$3000.00} cash toward the principal on the balance of my auto loan. It never showed up in my account! I have called 3 times starting a few days after the deposit, and finally went in to the Branch and saw XXXX XXXX the Bank Manager on the XXXX and it is still not been posted on my account!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hired a XXXX XXXX XXXX to dispute items on my report and since then all of my numbers have inproved except the Housing Score. It continues to sit at XXXX, where 6 months ago it was at XXXX. All of my other numbers have improved except this one. I'm trying to purchase a home and need my numbers above 580 or better. The number that it shows now has been like this for months. I'd like to know if this is an issue with this company not doing its job.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX SS # XXXX XXXX XXXX XXXX Greetings to whom it may concern, Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of inquiries on my credit report and inaccurate information on my account. This information is not mines and need to be addressed. Please correct information concerning all these accounts. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that are not mines and needs to be removed. 
Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus. 
Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above. 

Thanks in Advance 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 Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX   I went through the various screens and specified, first  XXXX , then Equifax, but in each case at the last screen where it said it was getting the report it said that I could n't get it online and would need to mail to an address they provided. This is misleading when it was advertised as providing an online report!
Product: Credit reporting or other personal consumer reports

I'm a XXXX  while on XXXX XXXX in the field my car was repossessed which is against the law without a court order This is being reported as a delinquent account with no payment from XXXX XXXX XXXX account number XXXX XXXXXXXX Also this bank never sent a notice of Redemption or a notice of DEFICIENCY. 

I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 
9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. 
If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
Product: Mortgage

XXXX we received a letter that we would need flood insurance, after speaking with our insurance agent of XXXX  years he stated our projected home is not in flood zone. 
I started contacting Cardinal to update that we moved per FEMA guidelines to stay out of wetlands and or anywhere near this area, I called and spoke with the insurance team at Cardinal Crystal and XXXX. I was told the left hand does see the right hand. 

Multiple calls. texts to Cardinal. I updated XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  that I called many. many times, about this flood insurance issue. as you will see in my attached texts she was able to see and had the paperwork needed that we in fact we not in flood area! 

we had property surveyed 3 times to insure we would be far away per FEMA plus XXXX XXXX from the wetlands we are NO WHERE near this area. 

Due to lack of communication from Cardinal and their insurance they forced flood insurance on a property that does require this type of insurance.
Product: Debt collection

A collection agent from Regional Finance has been repeatedly and frequently calling and texting my phone attempting to collect on an alleged debt. They are also calling and harassing my sister about this debt and that's has been very embarrassing to me and my sister has told everyone in our family that I don't pay my bills and my debt collectors are harassing her. This is a serious invasion of my right to privacy and has been really stressful to me and causing me to have anxiety attacks. I am a XXXX XXXX XXXX XXXX woman with XXXX XXXX XXXX and regional finance has been violating Federal law FDCPA. I never gave them consent to contact me or my sister, they also sent me a letter stating I owed a debt along with other accusations. i have attached the threatening letter and date sent to me.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18. U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

During XX/XX/2019 I discovered that some of my friends were illegally obtaining specs to my devices and use XXXX XXXX XXXXt ( XXXX ) and XXXX XXXX  on my phones and devices. This allowed these persons to obtain credit, fraudulently sign for student loans, and launder money through my bank account from other schools I have not attended ( including XXXX ). They used those loans for person purchases including purchases for their kids, trips, vacations, and divorce lawyers. Despite ample evidence and the hiring of a PI, I have no been able to get assistance outside of those I talk to on the phone. My banking institution I was with XXXX does not return emails or voicemails. The one police report I obtained, does not offer any information outside that I have reported identity theft. Also, fraud departments are not calling me back ( though this may be due to COVID ). However, I am sitting at about 50-60K of student loans that have been absorbed by my ex friends, and 30 K of fraudulent student debt with no resolve in sight of obtaining those funds back. I understand that my ex friends are influential, which is how they were able to put my phones and laptops on their company plans illegally, however I am not going to be liable for their XXXX runs in other cities all day. 

The school loans fraudulently obtained occurred while I was attended XXXX University beginning in the year XXXX. My loans are now almost maxed out. 

Also, I am aware that my name and address were changed fraudulently across all of my accounts, which is how I discovered SOME of them. Their address at XXXX XXXX XXXX  XXXX XXXX XXXX nc is listed fraudulently on my credit report. The XXXX XXXX picture I'm attaching is ONE piece of evidence. I called XXXX - the ONLY way they would have been able to put my phone on XXXX  is that someone in XXXX  or XXXX XXXX gave them specs to my device. I obtained a new XXXX XXXX XXXX XX/XX/2019, with a new carrier, new number, and new email and XXXX XXXX - XXXX XXXX   began showing on the phone. There is a ticket ID in XXXX for the craziness I have experienced # XXXX.
Product: Debt collection

Inaccurate wrong and hurtful information being reported by this company to the credit reporting agencies. i do not have nor have i gotten any form of communication from this company in regards to them reporting negative information on my credit report to the XXXX credit bureaus. which i find that to be a violation of the FCRA laws. at this point no communication is warranted as damage has been done. I would like for them to validate with original signatures and contracts they have along with payments and amounts due pertaining to alleged debt. if validation can not be provided i demand the negative reporting be removed from XXXX, XXXX and XXXX immediately if validation is found i have the right to have all findings sent to me within XXXX days of the findings. I demand XXXX days to respond which is not likely as there no contractual validations.