23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Hello, I am trying to report a violation of the fair credit reporting act perpetrated by Santander consumer usa. They have received a payment as of XXXX/XXXX/15 yet are continuing to report my account as delinquent. I spoke to a customer service manger XXXX XXXX whose explanation was that because this was an insurance payment it goes towards paying my balance and is n't considered a monthly payment but all my payments since XXXX have been insurance payments and my account has not been reported delinquent because it is n't delinquent. They have received payments well over the amount due. This is a direct violation of the fair credit reporting act. They have received payment yet are reporting my account as delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I'm writing in to file a complaint for identity theft. In XX/XX/XXXX a car loan was taken out in my name that i didn't take out. The only car loan that I have ever had was opened in XX/XX/XXXXthrough XXXX XXXX. This identity theft incident happened in XX/XX/XXXXwhen I put an ad out on XXXX to sell my furniture. I was relocating to XXXX, Ga. I filed a police report on XX/XX/XXXX because the person that bought the couch from me from XXXX had robbed my house of some goods and money. The attached police reports tells what happened. When I filed the police report I didn't know that the suspect had also stolen my Social Security Card, Birth Certificate, and state issued ID along with the other goods. I did not know about credit as I didn't have any need. I had bad credit from credit cards that I had in college and thought my credit was so bad that no creditor would even give me credit. In XX/XX/XXXXI was interested in the possibility of purchasing a house so I went to credit company to help. I didn't sign on with the company until XX/XX/XXXX and thats when I first was made aware that my identity had been stolen. Not only the car loan but it was also a XXXX XXXX bill and some other items that was on my report that were not opened by me. The company filed disputes to all three bureaus. I had went to get a police report from XXXX county but I wasn't sure of the dates of the first incident. Two of the three credit bureaus took the times off that were not my accounts but XXXX didn't take it off. Through XXXX I disputed twice. In XX/XX/XXXX I was in XXXX for the holidays and I went to get a copy the of the police report I initially filed and filed another police report about my stolen identity. I sent this information to XXXX and I contacted Credit Acceptance.  Credit Acceptance said they would send me a fraud kit and never did. XXXX even with the police reports did not remove the account. Then I received a letter from Credit Acceptance that says it was no fraud. Im very frustrated my interest rates are sky high and I have been denied several times because of this account. Can you please help me. Thanks XXXX XXXX
Product: Credit reporting

Once again, being like 2016, equifax is not allowing disputes to be filed on line and just like in 2016, Equifax is being and engaging in obstructive means to frustrate the consumer attempts to correct all the incorrect information on the equifax credit report. Many of the incorrect items removed in 2016 are once again showing up just like they did in XXXX 2016.
Product: Debt or credit management

This company is a wreck looking for a place to happen. Harris and Harris Ltd of XXXX. I didn't know about them and I had find out the hard way when my bank posted my XXXX score had dropped XXXX points. I didn't know why or who had done this to me. After I found out and read some of the reviews on them I found it was on something that happened 3 years ago. I started searching my text that XXXX  was supposed to sent me. I found it in my XXXX  folder along with the other ones that was trying to spam me for what every reason. It was about a {$190.00} bill I didn't owe. I had settled this with a legitimate collection company. I called the collection company we talked and worked it out in my favor. That was 2 years ago. Then 2 years after that Harris and Harris got into my credit file and seen it and decided to try me. But I didn't know of them and never got a call, letter or nothing to me accept this one spam text that went straight to my spam folder. This XXXX point drop was a paifull loss for me. I'm XXXX XXXX XXXX and worked hard to pay my debts. But I thought of something else. These so called collection agency have access to my SSN, phone number, and everything in that file. They could be selling all that information. That is bad. Please take a good look at this company. Read the reviews of 100s of other victims about this fraudulent company. Please help me. XXXX XXXX
Product: Debt collection

On XX/XX/year> I sent a certified letter to the Credit Bureaus, asking them to update or correct information on my credit report for Macys Account on all 3 bureaus because it showed inconsistencies all across. They updated and said they verified my account and I received a letter XX/XX/year> stating that account had been updated. However on XX/XX/year> I ran my credit and it showed that the account was deleted and readded to my credit report. They never sent me a letter stating they deleted the account or readded and as per law 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which states : Reinsertion of Deleted Information : If a disputed item is deleted from a consumer 's credit report but is later reinserted, the credit reporting agency ( CRA ) must notify the consumer of the reinsertion in writing within 5 business days. They failed to do so.
Product: Debt collection

Was not aware of the XXXX XXXX that was placed on my credit report. 
XXXX XXXX {$410.00} XX/XX/XXXX, XXXX {$500.00} XX/XX/XXXX, XXXX {$840.00}
Product: Vehicle loan or lease

WESTLAKE FINANCIAL SERVICES is reporting on my personal credit file with ( XXXX ) credit reporting agency . This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
WESTLAKE FINANCIAL SERVI XXXX Opened XXXX XXXX, 2020 Balance {$8300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : XXXX  Loan Discharge Based on Borrower Defense Evidence The Department of Education ( " Department '' ) has determined that the loan ( XXXX ) you received to attend a school owned and operated by XXXX XXXX XXXX from XX/XX/XXXX through its closure in XX/XX/XXXX are eligible for full loan discharge. This means the remaining balance on the loan ( s ) will be forgiven. You do not have to make any more payments on the loan ( s ). 

Your loan ( s ) will be discharged as part of a Department action ( " Group Discharge '' ) to discharge all outstanding loans for attendance at XXXX XXXX XXXX that first began from XX/XX/XXXX through closure in XX/XX/XXXX after finding that it engaged in widespread misconduct that violated state consumer protection laws and/or made widespread substantial misrepresentations about its educational programs, both of which are grounds for borrower defense to repayment under the borrower defense regulations ( 34 C.F.R. 685.206 and/or 685.222 ). The Department is discharging your loans without requiring you to file an application because of the pervasive and widespread nature of the school 's conduct. 

XXXX - Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX - Account number : XXXX XXXX XXXX XXXX XXXX XXXX - Account number : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$330.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Checking or savings account

Someone accessed my account and took all my money labeled as rent. I reached out to support and they closed my account and said I was at fault
Product: Money transfer, virtual currency, or money service

My husband and I own an XXXX XXXX XXXX XXXX XXXX We regularly have new prospective clients contacting us ; mostly international people. We were contacted the beginning of XXXX by a new prospective customer. After much communication, the product seemed to be paid for with CC. I used the customers money to contract the shipper and send wire transfer ; which was on XX/XX/XXXX. I received an email from an unknown company almost immediately that I sent the transfer to a fraudulent company. I called the branch and the CS rep told me the receiving party would have to approve the return of my funds. I said that is ridiculous if this is a scam. Later on Thursday, I contacted my bank via email because they were closed asking if I could put funds on hold. I was getting no response from the bank. I then received an email from the " transport company '' saying that my payment was rejected because of incorrect amount. I sent another email to CS rep at bank and told him that the payment was rejected so I should be able to get my money back. Next email from transport company said payment was sent back to my bank. But I never received that money back. The bank said they put a wire recall request in but never communicated from that point. I was so frustrated that they couldn't help me, I closed my account at that bank.
Product: Checking or savings account

On or about XX/XX/2022, I filed a valid dispute due to fraud activity on my banking account ending in XXXX XXXX XXXX XXXX XXXX USAA never contacted me for additional documents to support my claim. I have received multiple copies from USAA failing to credit my account after they overdrafted my account numerous times. I was not responsible for the transactions ; I was a victim of fraud and other family members. I filed a police report, and the detective XXXX investigated the allegations and found the person who stole used my information without my consent and permission. USA did not do their part and protect me, the consumer. I'm disappointed with how they treated fraud victims. I have the documents needed upon request. They even took my child support payments.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

3 months ago i had to get my car repaired because im XXXX and need a running vehicle plus according to the the contract the vehicle has to stay in running condition. I only have a month income so only could get car repaired. I explained this to title max they said corporate was going to have to speak with me. I said that was ok. After car was repaired i took in the invoce. No. They took my next payment then refused the following payment. I called corporate to try to work something out they were rude. And my contact doesn't say they can refuse payment. Now i worry every day i will lose my car and the interest keeps piling up and and i do not have this kind of money now. I live on ssi. I only have my contact i have asked for other paperwork pertaining to my account and they refused to give it to me.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2022 XXXX 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Veteran 's United Home Loans based out of XXXX, MO pulled my credit report without my authorization. My husband had been working with them on a pre-qualification. I was not involved in any of their previous discussions. 

I did not authorize them to pull my credit report. When I called on XX/XX/XXXX to inquire as to why they did pull my credit several people were conveniently " unavailable '' to talk with me. On XX/XX/XXXX a person named " XXXX '' from the " Production Management Team ''  returned a call to discuss inquiry from XX/XX/XXXX. When I was able to speak with XXXX he informed me that my husband had filled out the online application and had given them permission to work toward a pre-qualification. When I contested his authority and my husband 's authority to grant permission to accessing my financial information his response was, " Your husband is allowed to grant us permission because you are legally married and he has that authority. '' Last time I check, this was not XX/XX/XXXX and I have my own rights independent of my husband and I am the only person who can grant anyone else access to my personal, identifiable information such as social security, HIPPA, etc. This includes access to my credit report. 

Veteran 's United Home Loans infringed upon my personal rights by accessing my financial information without MY express consent. The fact that I am married has no relevance in them not seeking my permission. I was not in contact with them during any point of my husband 's attempt to pre-qualify for a loan.
Product: Mortgage

I have tried numerous time to resolve the issue with the mortgage lender directly and are denied with a reasonably explanation. The issues for default were out of my control due to loss of income, separation, and then later covid 19. I had to resort to bankruptcy and and was making payments under XXXX  XXXX plan until covid happened and I was unable to maintain all payments current.
Product: Mortgage

in XXXX to XXXX i was in bankruptcy in XXXX i was suppose to pay my second mortgage payment at that time XXXX  did not resume billing. after calling XXXX  they said loan was sold to XXXX XXXX, XXXX XXXX is my first mortgage and said they did not have it. after exhausting all my resources my lawyer said it will show up on my credit report and never did. in XXXX i started my search again with no luck. no company could find this loan. in XX/XX/XXXX Planet home lending started to send statements at first i thought it was junk mail. there was no notice that this was sold acquired by planet home lending. so i reached out to the phone number to try to figure out if this is the loan or fraud with no results, there phone system can only help with payment hard to talk to someone about my situation. I have sent 8 letters trying to resolve this. its been 7 years since this loan could be found. and they are accelerating loan and i can pay the amount owed at the time i was out of bankruptcy i can not pay the amount owed now. its 3 times the amount. and says last payment due XX/XX/XXXX. this loan was paid XX/XX/XXXX by trustee. Holding the loan for 7 years and not being able to find loan nothing on my credit report is very deceptive if not fraud. planet home lending not talking to me is very unprofessional business practice there statement is not accurate fees exceed what is allowed. this would have been taken care of in XX/XX/XXXX if it could be found XXXX dollars not XXXX and i am still willing to pay XXXX that i owed. if forced back to bankruptcy this will not happen. that's where its going with planet home lending poor business practices.
Product: Vehicle loan or lease

I have been a customer since XX/XX/XXXX and during the time I have been on time with payments, I am currently seeing that my credit report is showing XXXX late payments in which are in accurate, since XXXX of XXXX to XXXX, I am disputing that the lates are incorrect as I was only late twice due to losing my job during Covid. Since finding employment I have been on time, I was not made aware that when my late payments would continue as a recurring late as that was not explained to me. So, as I was making monthly payments trying to catch up on my account with every payment it was still being reported as 30-day lates, I was not told until later that I could take the 2 months late and have them put to the back of my loan. Losing my job was no fault to CarMax but the financing could have been explained on my options and me making you aware of my circumstances couldve been made clear early on in this process. As a consumer I am not knowledgeable on how the process works, I know to make payments on time and if I run into a bind to contact my finance company to make them aware to see if assistance is available.
Product: Money transfer, virtual currency, or money service

Ive had transactions go thru to an incorrect number and couldnt get reimbursed
Product: Credit reporting or other personal consumer reports

Ive tried contacting the company several times through mail and CFPB And nothing gets rectified they say theyve done a full investigation and just put the same incorrect numbers back on my credit report
Product: Debt collection

I called CAPIO partners bc they sent a text to begin with without my permission and I called in because I wanted to make sure it was valid. Upon calling XXXX my name and the first call was with a young lady and she gave me all my information during the verification which means that anyone can call and say their me and get my personal info that was a flag then I asked her about settling the account according to the text and if it could be deleted she adv she had to check bc she was unsure then a supervisor jumped on adv that she was listening to call but they never advised their was a second person on the line made me uncomfortable and she started asking but provided my personal information to me so I hung up a few days later I called back and got a gentleman and it was the same verification with him giving me all my information when Im the one calling in, Advised him I was aware of the debt they have in office and was wanting a willing to accept settlement agreement letter that said it would be deleted from my credit upon me paying the 50 % he advised me that CAPIO PARTNERS doesnt do that because that would be giving me a receipt for something I hadnt paid for yet and that since I work in collections then I know I can file a complaint if they lie after I pay them the 50 % sif offer and it wasnt deleted I advised him that XXXX  XXXX said same thing and I paid and it wasnt deleted and bc I didnt get it in writing I had nothing asked him again for the proof that they will delete after I pay and he said he couldnt advised him I dont want the calls or the text bc I didnt authorize a text to begin with and I would call on my own dont need them to call me until they can get their stuff together.
Product: Checking or savings account

On XX/XX/21 there were 5 unauthorized withdrawals from my account : {$1000.00} XXXX to XXXX, {$990.00} XXXX XXXX to XXXX XXXX, {$990.00} XXXX XXXX to XXXX XXXX, {$2400.00} XXXX XXXX to XXXX XXXX, {$2400.00} XXXX XXXX to XXXX XXXX XXXX do not know a XXXX and I would never send XXXX these amounts of money. This is not typical transaction history for my account. I made a police report with XXXX PD Rpt # XXXX, Det. XXXX is investigating this and has served legal orders on XXXX, XXXX XXXX, Bank of America, XXXX XXXX XXXX XXXX. Det. XXXX has information on the subpoena 's proving that is was not me who made this transactions. 

I have filed a complaints with Bank of America and with the XXXX against the Bank, all of the complaints have been closed without any action being taken.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle several times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me recovering loss funds was impossible and tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system to their advantage, leaving consumers vulnerable to scams. This lack of accountability and transparency is extremely unacceptable and raises serious concerns about consumer safety, such as myself.