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

I opened 5-year loan with Santander Consumer USA in XX/XX/XXXX. After receiving several different verbal payoff quotes and being refused an actual payoff statement, the loan was paid off in XX/XX/XXXX. I received the Title endorsed for lien cancellation together with a paid in full letter. Santander has continued to report that this loan account is open, carries a balance and is a " charge off ''. My credit report has taken a damaging hit due to Santander 's inaccurate reporting. I have attempted to dispute Santanders reporting countless times throughout the past 6+ years. Santander has continued to reaffirm their position that the account remains open on each and every dispute and updates the negative reporting history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX - {$1700.00} Closed : XX/XX/XXXX Opened : XX/XX/XXXX This is an error, it does not belong to me.
Product: Debt collection

This company has repeatedly done different tactics to drastically lower my credit score : First tactic, they continue to delete this debt from my credit and then resubmit it as a new debt. If causes a nine point drop each time they do this. This occurred XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and several other times. 

Second tactic, they continue to add interest to the loan every week. Ive attached proof, please review all the interest from XXXX to XXXX. 
XX/XX/XXXX, for {$8.00}, XX/XX/XXXX, for {$2.00}, another {$2.00} on XX/XX/XXXX, and on XX/XX/XXXX, another {$2.00}, and XX/XX/XXXX, {$1.00}. This totals : {$19.00}. This collector knows each time they add even {$1.00} my credit drops at minimum 4 points. 

Lastly, this debt is for a balance from my old apartments. Its not an eviction debt but an excessive cleaning bill debt that Ive tried reducing but they refused. I was notified by my current landlord that this company contacted them and explained I left a debt with them and theyre concerned I will do the same with this company. My landlord has minimally threatened not renewing my lease based on this phone call. It is unethical and illegal.
Product: Student loan

I was contacted after initially requesting information from the United Student Loan Assistance Center. Somehow, and I know it was stupid of me, but they got A LOT of PERSONAL INFORMATION from me ; including my social security number, debit card, etc. I have since filed a fraud report with the credit bureaus as well as cancelled my debit card and even filed a complaint with the Dept. of Education. I am now terrified after doing my research that I made a terrible mistake. 
This company wanted me to make payments, told me I was basically being irrational for being concerned and I felt pressured into giving that information out because " student loans are expensive. '' I had emailed the lady back and told her I was not ready to make that commitment. I then received calls from her manager and " the owner '' - if that was him. 
Before today 's experience I know that I had been contacted by this company before and I told them to quit calling and they refused ; apparently. That 's why I am in this predicament.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Challenge a account XXXX XXXX XXXX XXXX on my Experian credit bureau, after there investigation multiple times it keep coming back verified with the issue still there after I told them do delete the account for inaccuracy
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed.

Conduct a comprehensive investigation into how these accounts were erroneously reported.

Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

MY ORIGINAL SUBMISSION FOR MY LOAN MODIFICATION REQUEST WAS ON XX/XX/2018 SINCE THAT DATE MY POINT OF CONTACT XXXX XXXX WILL CONTINUE TO REQUEST THE SAME ITEAMS WE HAVE EXPLAIN TO HER MULTIPLE TIMES IN WRITING MY WIFE XXXX DOES NOT RECEIVE PAY STUBS BECAUSE SHE WORKS FOR A SMALL COMPANY HAVE SUBMITTED VERIFICATION OF EMPLOYMENT LETTERS FROM MY EMPLOYER W2 'S AND SHE WILL NOT ACCEPT IT. SHE WILL CONTINUE TO SAY MY PAY STUBS ( XXXX ) DO NOT HAVE MY EMPLOYER NAME OR MY NAME ON THE PAY STUBS WHEN ITS CLEARLY ON THE TOP RIGHT HAND CORNER OF EACH OF MY PAY STUBS. I WANT MY FILE TO BE MOVED FORWARD I AM AFRAID OF LOOSING MY HOME. PLEASE HELP ME.
Product: Mortgage

pnc offered a deed in lieu of foreclosure deal to which i agreed. they granted dilof, gave me terms ( utilities off, house clean and empty, no damage ) and date ( this varied depending upon who i spoke with from XXXX XXXX to XXXX XXXX XXXX ) by which property was to be surrendered which terms i met. there are no liens and no 2nd morgtage. after their title search, they demanded i pay for a survey which i can not afford. they said deal off, we 're foreclosing. they say property can not 'convey ' without survey, yet the property seems set to 'convey ' via foreclosure. they will not explain any of the title search results verbally or in writing. they will not put any terms of the payment for surrender deal in writing. 
they made the terms and i met them. i performed per the terms of the dilof as dictated by them. they alluded to, pending inspection of property, up to {$3000.00} payment for complying with the terms of dilof. they will not put in writing details of payment for surrender and are immediately argumentative if you ask. i never demanded a promise, just to see the terms in writing. they have reneged on the deal.
Product: Credit card or prepaid card

The issuing bank is Fifth Third Bank, credit card ending in XXXX. 
In XX/XX/XXXX, I closed a checking account with 5/3. There was an ach of {$120.00} to XXXX  XXXX XXXX that was made on this account. I disputed this charge twice, denied both times and paid 5/3 the {$120.00} + late fees and interest charges totaling {$330.00} on XX/XX/XXXX. See attachment statement dated XX/XX/XXXX. 
This was not the full balance and I asked 5/3 to waive the remaining {$38.00} late fee. They have refused to do so and have continued to add late fees and interest to this account. See attached statement dated XX/XX/XXXX. 
I have sent numerous messages both online and by phone. I have even filed a complaint with the XXXX with 5/3 refusing to resolve this matter and stating they would no longer communicated with me. 
I'm seeking the balance, as of this date of {$160.00} be waived. This balance is only late fees and interest. I also want this account closed.
Product: Credit reporting or other personal consumer reports

My account with DEPTEDXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

DEPTEDNELNET never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquires from XXXX XXXX XXXX. I did not apply for these credit cards and I called Experian on XX/XX/XXXX to file a dispute, but they ignore my complaint and the hard inquires remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not able to submit disputes online from Equifax website is always down regardless when I try to do it. 
Incorrect information in my credit file and due to this security questions hard to pass bc these accounts are not mines
Product: Credit card or prepaid card

About 6 weeks ago Goldman Sachs locked my Apple credit card. I called and inquired why this happened. No information was provided, they just unlocked it. 

About 2 weeks ago, once again the account was locked without providing me with any communication or reason. About a week later I got a notification that the account was closed. I called and again no information was provided. After waiting a few days I called again and they asked if I was deceased. I spoke with a supervisor who stated they would open a case. 

The card is still closed and they advised me that I had to call all 3 bureaus and dispute my deceased notification. I do not see any other deceased notifications but my XXXX is showing me a credit score of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is violating my consumer rights.I do not recongize this public account I went up to the court to ask them have they furnished any of my private information to any consumer reporting agency they told me that they have not. I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 US COde 1681b ( 2 ) This company also had no permissible purpose to furnish this information on my consumer report and i want them to follow FCRA 15 US CODE 1681i delete this account from their records and let all other agencies they sold this information to, that they need to delete it as well..This fasley validated information is hindering my consumer report and causing me adverse action.
Product: Credit reporting or other personal consumer reports

This account was added to my credit report as a negative impact stating I owe {$970.00}. Original creditor XXXX REEL TIME CAPITAL
Product: Checking or savings account

On XX/XX/XXXX, I deposited a physical paycheck from my employer due to my employer stating they had issues with transition to a new bank & it was going to unexpectedly cause an issue with direct deposits for this check. I was given my check by my employer and deposited it into my checking account ; there is a history of a direct deposit from this same employer with no issue previously. I received an email that Huntington Bank was holding my funds due to no history of dealing with this employer, even though in my bank records there is a history of a deposit from current employer two weeks earlier. I showed proof of this and Huntington refused to listen and stated that this was not enough proof, even though they acknowledged that it was the same employer, I have no history of fraud on my accounts and the money from my direct deposit from my current employer cleared without an issue. When I asked for them to at least release {$200.00} of my check, they continued to refuse and stated the hold on my check wouldn't be released until a week later, despite their acknowledging that there was a previous deposit from current employer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditors ( XXXX XXXX XXXX, Comenity Bank/VCTRSSEC and XXXX and XXXX ) have violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy, 1581 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I am demanding that these accounts be updated to Paid as Agreed and Never Late XXXX.
Product: Credit card or prepaid card

Contacted Citi regarding current balance of {$1.00} on XX/XX/XXXX..The balance of the account was paid in full on XX/XX/XXXX. I have been a customer for 12 years. I am told this amount was per the terms of the agreement taken out when card was opened. There are no charges on the account at this time. The current charge of {$1.00} is due on XX/XX/XXXX.
Product: Checking or savings account

Received a debit card and account information from CARD.com on XX/XX/year> that I have not signed up for or in any way authorized.
Product: Mortgage

I entered into an agreement with XXXX Mortgage to refinance my home at an interest rate of 3.625 %, and they were going to provide me with a {$2200.00} credit. An issue occurred with the appraisal they ordered, and an appraiser was not sent out for three weeks later than originally intended. I spoke with individual who sold me the product XXXX XXXX XXXX XXXX who informed me that as a result of the delay, a rate lock extension would be required, but because I was not at fault that XXXX would incur that cost and it would not be passed along to me. A new Good Faith Estimate was sent to me to confirm the rate lock extension, but this document indicated that the lender credit had been reduced because of the cost of the rate lock extension. I immediately asked my loan processor ( XXXX XXXX XXXX who advised me not to worry, and to sign the document for the sake of time, and the credit would be restored at a later date. XXXX more extensions were later required and I had the same concerns when the documents sent to me to sign, indicating that I would be paying, and each time I was given the same explanation as the first time. I sent XXXX emails in an attempt to confirm the original {$2200.00} credit, and although both XXXX and XXXX confirmed with me over the phone, they never responded to my emails, despite sending me other communications via email. Then, XXXX days before closing I was told that the absolute best they could do was provide a credit of XXXX {$1000.00}, and the justification was I could n't get a better deal elsewhere ( because interest rates had risen significantly XXXX and XXXX was not at fault, and the third party appraisal company was at fault. However, neither of those justifications hold any bearing, it is unethical to change the terms of an agreement last minute based upon market changes. I signed and closed on the deal because it was true, I could n't get a better price elsewhere after months had passed and interest rates had risen, but that does not make it okay to essentially lie and steal from customers. As for XXXX not being at fault, if that was the case, they should not have told me throughout the process that they were going to incur the cost.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank Rewards Made a payment XX/XX/2020 through their automated phone in a timely manner as I have perfect credit. 
Payment did not post to my account. Did not get notice that payment went through. No email, no text XXXX choice of communication method, no mail ). 
I have 2 different credit monitors that show all my payments are on time. 
As of today my credit score dropped over 100 points. I sent my credit reports showing payment credit history, and a explanation that I paid on time and was not notified my payment went through. Citibank has caused me hardship as I almost had a 800 credit score. Been on the phone all day trying to resolve and twice today I was disconnected. 
I opened this account In XXXX as it is a no interest credit card as I needed the funds as I was having XXXX medical. Why should I have to go through this at a time when we are in a State of Emergency with this Corona. From Excellent high credit to a negative score.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. On my report, a late payment in XX/XX/2022 for XXXX XXXX XXXX XXXX was indeed paid on time. It's come to my notice that the missed payment on my record could hurt my ability to qualify for new credit. I trust that my previous actions do not reflect my creditworthiness and commitment to repaying my debts. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I'm now requesting you investigate this account and update these payments to be paid on time immediately. It would be a kind gesture if you could grant me a second chance and make goodwill in removing the late payment in XX/XX/2022. Thank you for your understanding and prompt action.
Product: Debt collection

This is a known scammer. I am sure because they scammed my geriatric mother last month with the same scam and my mom gave them money. 
I got a phone call from a girl saying she was with the delivery service and she was trying to deliver me certified mail. She needed to know if I would be home within an hour and left me a message to call a number and provide a file number. 
When I called the phone number the lady on the phone said the call was from their delivery department and that she could help me and give me all the information I need. She told me she was with XXXX XXXX XXXX in XXXX XXXX California. She said there was a lawsuit against me and I was being sued by US Bank for a bank account. I had in XXXX. I informed her I never had an account in XXXX and then she told me that it was for an account I had in XXXX that was charged off And delinquent {$2000.00}. She said that they were serving me with paperwork from the XXXX XXXX court today and I needed to be home to receive those papers. She said there was going to be a lien on my house and my cars. She said to stop that she could work out a payment plan with me right away. I told her that I knew this was a scam and she told me that she just got off the phone with a girl named XXXX at the XXXX XXXX XXXX and they would be here in an hour to serve me. I called the XXXX XXXX court, and they said they do not process business that way, and I do not have any lawsuits under my name. She confirmed that this was a scam. They called my mom last month and my mom fell for the scam. Do not give any mo ey or information to these people
Product: Checking or savings account

Bank of America closed my account without warning one year ago approx. Without warning or reason, I dis not have access to my money. When I called them, they told me they could not tell me a reason but that I would receive a cashiers check with the balance. It took around 20 days to get this check with my money. It was awful. I was in the middle of building my house ( during covid ), everything was more expensive suddenly, my father was XXXX with stage XXXX XXXX XXXX and I had to take over his responsibilites which included his medical payments, and I had to borrow money from my father in law to help through all this additional hardship. I had the BofA account since I was a child, my mother had opened it for me and I never had a problem. There were additional deposits and withdrawals, but these are normal if you are building a house and paying for medical expenses. I feel closing my account was unjustified and plain malicious. It complicated my families situation even more, when my bank should have asked me or tried to find out the hardship that was maybe causing what caught their attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

4. I am not the party listed on credit files that opened up the previously mentioned accounts. Though my name and private information may have been used.

5. I have been displaced by these particular acts through identity theft and fraud.

6. Your credit account is inaccurate information listed on these files and records. Someone has unlawfully used my name and used unambiguous information and endorsements that established the account without my authority or signature.

7. I never signed nor endorsed any contract or applications that created an account for debt service with the listed corporations, agencies, or companies and they have agreed that I have not contracted with them via their verification to XXXX  which is attached.

8. Thus then, remove this product of identity theft and fraud from my Credit Report.

9. It is a fact that the signatures that created these agreement ( s ) are not my endorsements, and they are confirmed forgeries.

10. I demand that you dispatch verifiable signatures on all original applications that opened accounts with the signatures available for examination and investigation or delete all fraudulent accounts. 
11. This affidavit is made Pursuant to ; FEDERAL RULES, Fair Debt Collection Practice Act FDCPA, 15 USC Section 1692 Title 15 Commerce and Trade Chapter 41, Consumer Credit Protection Sub Chapter V Debt Collection Practices. Sub-Chapter V Validation of Debt, The Fair Credit Reporting Act FCPA USC title 15 section 1681, Uniform Commercial Codes U.C.C. Commercial Business Law codes ; UCC 1-201. ( 39 ) Party to authenticate a writing. UCC 3-503. ( cii ) notice of dishonor. UCC 3-104. ( e ) negotiable instrument. UCC. 1-207. rights reserved without prejudice. UCC 1-103. principles of law applicable. UCC 3-401. ( a ) ( b ) liability of parties. UCC 2-609. rights to adequate assurance of performance, and UCC 3-402. signature as defined.

12. If This notice confirms that ID fraud and / or signature forgeries, and unlawful displacement exist, and that 13. possibly endorsements were used on commercial application [ s ] without my consent or knowledge and I was a victim and not the accommodating party to any of these fraudulent contracts, applications, adoption }, or any transfer agreements. 
14.

15. Consumer shall consult with the Federal Trade Commission and legal counsel if Credit Reporting Agencies ignore federal regulations.

16. CREDIT REPORTING AGENCIES are also liable to the law under the Fair Credit Reporting Act USC Title 15 section 1681 ( i ) and can not report a debt that is inaccurate or disputed lawfully and found to be inaccurate and the result of ID fraud. The law states at USC 15 section 1681 ( i ), ( a ) Reinvestigations of disputed information
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience in financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FRAUDELENT ACCOUNTS THAT DOESNT BELONG TO ME.