23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach. These items below are on my credit report and need to be removed in 4 days. 

XXXX Reported : XXXX XXXX, XXXX + {$980.00} Closed XXXX Reported : XXXX XXXX, XXXX + {$7000.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$2600.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$490.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$5000.00} Closed XXXX Reported XXXX XXXX XXXX, XXXX + {$140.00} Closed XXXX Reported : XXXX XXXX, XXXX + {$440.00} Closed XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed Hard inquiry XXXX XXXX XXXX : XXXX XXXX, XXXX + Automotive XXXX  XXXX Inquiry : XXXX XXXX, XXXX +
Product: Vehicle loan or lease

Per the FCRA as a federally protected consumer. I am now opting out of any and all authorizations. I, the consumer may have given you written, unwritten, verbal, and non-verbal per 15 use 6802. negligence in removing this account will be result in a civil lawsuit for federal violations.
Product: Credit card or prepaid card

Between XX/XX/XXXX until XX/XX/XXXX my card was stolen and had been used fradualty for XXXX dollars with of transactions. I was unable to use my card during this period of time because I was incarcerated for driving without a license. Upon discovering that my card was stolen I immediately called police band filled a report and notified American Express Serve of this incident. upon waiting for over 2 weeks I received a email stating my claim was denied and that the finding where correct. I then submitted my dispute against the stolen money once again and even though it is a proven fact proved by XXXX county sheriff 's office that my card was infact stolen and used without permission my claim was denied so this is absolutely not right and illegal on there part. Now I am without any money and children to support and have to wait another month maybe to even see if my claim will be denied again or accepted this time around. I will get my money back even if I have to go through arbitration to get it but this is a unprofessional absurd way to go about taking care of your customers money. You representatives have no knowledge of how fraud investigations should be Handled or even how your company works. This is a terrible way to have handled a tramitizing event for a customer that puts there trust in your company and you need to take care of my situation because you are legally responsible for properly investigating fraud and your company is just ignoring the banking laws and treating cardholder like they do matter watsoever.
Product: Credit card or prepaid card

On XX/XX/XXXX, my wife and I went to XXXX XXXX to purchase some furniture. As part of the store credit card, we were offered 12 month interest free financing. We purchased 3 items, all expected to be delivered on different dates. The charges were processed on the days they were shipped and in the process, only the first item shipped under the " promo '' of interest-free financing. After a few months of payments, we realized we were being charged interest and contacted Comenity, the bank responsible for the XXXX XXXX Credit Card. We filed a dispute for the finance charges and were told it would take 60-90 days to investigate the dispute. At that point, I paid the entire balance on the account off except for the disputed interest charges. While we waited for the dispute to be investigated, Comenity continued to charge interest and late fee payments on the amount in dispute. I called and asked why they are charging interest and fees on a disputed amount about 45 days after and they said that it was still be investigated and I would need to wait until it was resolved to get an answer. On XX/XX/XXXX, Comenity issued a finance charge credit for the disputed amount, essentially agreeing that there should have been no interest charges charged, however, additional charges of {$71.00} of late fees and interest has been charged on the disputed amount. I called today, XX/XX/XXXX and spoke to a supervisor named XXXX who told me that I would still be responsible to pay the remaining balance as it was charged after the dispute was put in place. However, if this account had been set up with no interest, the account balance would and should have been {$0.00}.
Product: Credit reporting or other personal consumer reports

I knew I have paid off all credit balance with comenity bank since XXXX. Then recently in XXXX  when I decided to look for apartments it popped up that I am owing us {$270.00}. After enquiries from XXXX  they said that I was owing comnety bank us {$1.00} and they have charged me late payment, which has accumulated my bill to XXXX. I believe this is not true and they never contacted me and I have never changed my address and phone contact.
Product: Credit card

I requested to have my credit protection place coverage activated for involuntary termination from my former employer. XXXX last card number XXXX last card number XXXX last card number I requested credit protection on all three cards but was not provided the service as request and as paying for this service in the terms and condition when ever I have an involuntary termination for a permanent employment and I provide the documentation as requested I am owed this benefits. Date open was XX/XX/year> but the approval for the benefits has not been approved at this time and all documents in regards to the terms and conditions has been met for all cards.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I registered for an account with Gemini and submitted all necessary documentation to have my account set up and verified. 

On XX/XX/2021, I purchased {$480.00} worth of XXXX ( XXXX ) through the Gemini app. 

Since this date, I have been unable to access these funds because Gemini has failed to verify my account despite multiple attempts to contact them regarding this matter. They have been evasive and unresponsive and I have no way to withdraw my funds from my account.
Product: Debt collection

I was told that the incorrect collection account would be removed when paid. It is still showing on my credit report even though it has been paid in full.
Product: Mortgage

I am experiencing financial hardship and requested a loan modification as a result of the COVID 19 crisis and request my mortgage service lender ROUND POINT MORTGAGE to reduce my monthly payments as outlined in the CARES ACT and XXXX XXXX covid disaster relief fund. 

I am not interested to postpone or delay my monthly mortgage payments. Round Point ( LOAN # XXXX ) is not working with the loan investors XXXX XXXX to reduce my APR and reduce my monthly payments to assist me to stay in my home and continue to make affordable monthly payments as I have requested a hardship loan modification.
Product: Debt collection

While I was in the process of refinancing my mortgage, the title company let me know that 5/3 mortgage had a lien on my home from 2006. I was completely unaware of this lien. I never received any communication from 5/3 mortgage informing me of this lien. 5/3 Mortgage sold the original loan to SPC and the 2nd mortgage was discharged in a bankruptcy. I did contact 5/3 Mortgage and asked them to remove the lien but they only offered to lower the amount by {$2000.00}. My husband is going to be XXXX this year and he is retired and on a fixed income and I am XXXX years old and looking to retire in 3 years. This would be a huge financial burden to us.The phone number I was given for 5/3 mortgage was XXXX. The account number is XXXX. 

I appreciate any assistance you can provide Thank You, XXXX XXXX XXXX
Product: Debt collection

I owe a debt of XXXX to XXXX emergency hospital, when my insurance paid for the hospital bills that I had.
Product: Debt collection

They claim I owe but I haven't received anything. Nor have I had a Vivant account in years. They emailed and call constantly from random numbers. I responded to their email and told them to not contact me because I haven't even had a Vivant count in years. 


ZIONS DEBT HOLDINGS Last reported XX/XX/XXXX {$600.00} Open balance XXXX XXXX XXXXXXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 1 yrs, 2 mos )
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 if 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

I filed a Chapter XXXX bankruptcy in XX/XX/XXXX. I paid it off and it was discharged XX/XX/XXXX. None of this information is on the reports of XXXX, Transunion or XXXX. I  am trying to get a home loan and the lender says it can not give me a loan with this information missing from the credit reports even though I provided the documentation to them.
Product: Student loan

I found out in XXXX that Navient was no longer servicing my FAFSA and I was wondering why. I called them and they told me my loan was in default, and they were not handling it. I had gone back to school in XXXX to get an XXXX XXXX XXXX and I am 5 classes short of completing my degree and they cancelled my loan. My loan was supposed to be in deferment while i was enrolled. 

I tried to get a Perkins loan and I filled out the promissory note on my phone and when I tried to submit it, my phone crashed. It got wiped. I was locked out of the phone until it auto-formatted itself. 

I received a follow-up letter from lending ccompany asking me to finish form at inoperable weblink. I took the letter to XXXX U to the Burser 's and the office cleared my loan. They photocopied the letter i received instructing me to visit a broken website. The lender is also a collection service. When you visit the site you cant even see your promissory note. SHADY! 

I 'm angry that Navient serviced me a gimpy loan. I need an EDUCATION loan. You ca n't quit in the third quarter! 
I got a NASA Space grant in XXXX! Why on earth would they not want me working at a high-paying technical job I earned with MY BRAINS? 

I have a print of my Navient loan. Ill get you account info.
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a XXXX  Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a XXXX XXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX which involved me making deposits for a total amount of {$2900.00} from my Capital One account to the scammer. 

On the morning of XX/XX/2022, I was scrolling through my email and read that the XXXX XXXX had automatically renewed their protection plan for {$340.00}. However, if I didn't want to renew the protection plan, I should call their XXXX number to cancel. I called the XXXX number and spoke with XXXX XXXX ( XXXX  )XXXX XXXX asked me to open my computer, and allow him to connect his computer and banking system to mine in order for him to replace the {$340.00} deducted from my account. When it came to the prompt, I was to type in the amount deducted from my account. Unfortunately, my fingers quivered and I accidentally typed XXXX. At which point XXXX  went into his act, because he couldn't correct the mistake, the money was already transferred and he was going to be fired, I could be charged for bank fraud due to overage of payment, his family was going to suffer, etc. His accent was that of the XXXX XXXX, but he claimed to be a hardworking and honest XXXX man, who would never lie to me. ( According to bank records, the money never appeared in my account. The only time it showed up was when XXXX  linked up with my account. ) I offered to write him a check for the overage but XXXX  said I couldn't do that because our accounts, mine and his, were frozen until I paid the overage. XXXX  told me the way to pay back the overage was through the purchase of gift cards at pharmacies or stores. XXXX  directed all my purchases at every store by card types and amounts. I purchased cards in {$50.00}, {$100.00} and {$500.00} amounts. The various gift cards included XXXX XXXX, XXXX and XXXX. 

I questioned him on the amounts I had given him several times because I felt sure I had more than repaid the amount owed. XXXX responded to my questions by saying many of the cards were not properly activated. He also couldn't tell me the amounts I had given because it took time to process the cards. XXXX  also gave me his desk phone number ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections XXXXXX/XX/XXXX to verify these accounts XX/XX/XXXX. It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

Santander violated consumer protection laws by exposing me to subprime unnecessarily high levels of risk and knowingly placing me as a consumer into this auto loan with a high probability of default. I signed a contract to pay a monthly car note to Chrysler Capital DBA Santander in XX/XX/XXXX. Shortly after signing the contract to finance a XXXX, I became in default of this loan. During my initial purchase I was bullied into adding unnecessary packages and ancillary products during the signing of my loan that essentially added to my monthly payment that was already extremely high due to the high interest rate. I explained to the Finance Manager that I was unable to afford to add anything additional to the loan, but I later found out that warranty packages and other items were added to my loan which made my monthly payment even higher. In XXXX, I was notified that I was part of a multistate Settlement of Santanders subprime lending practices which later lead to a settlement payment in which I received on XX/XX/XXXX under Case XXXX XXXXXXXX. Based on the multistate Settlement, Santander, through its use of sophisticated credit scoring models to forecast default risk, knew that certain segments of its population were predicted to have a high likelihood of default. Santander exposed me as a borrower to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. The Attorneys General 's investigation proved that Santanders aggressive pursuit of market share led it to underestimate the risk associated with loans by turning a XXXX eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information. Santander engaged in deceptive servicing practices and actively misled me about my rights, and risks of partial payments and loan extensions. Although I would call them periodically to ask for a lower rate to mitigate any chance on defaulting constantly on my loan, my request was ignored and denied. Chrysler Capital/DBA Santander , defrauded desperate consumers such as me by placing me into this auto loan they knew I could never afford to pay, resulting in defaults and negative ratings on to my credit reports. I included my payment history which will show no payment ever hit the principle of the loan. Under the terms of the settlement, Santander is required to provide relief to consumers in the form of restitution payments which I received but failed to comply with the Settlement for consumers with the highest risk loans who defaulted as of XX/XX/XXXX, which I did to request that the loans be removed from consumers credit reports. The consumers who qualified for this relief : Defaulted on the loan but the vehicle was not repossessed. I defaulted on my loan several times in XXXX.
Product: Credit card or prepaid card

I believe American Express may be practicing predatory lending practices in the era of COVID. I was canceling my CC with them. I dont need it. But these days some folks do need them. I have XXXX FICO. Their promotional APR to keep me as a customer is 22.74 %. Holy cow! If that is for someone with a great FICO and never late payments, what is it for people that have hit hard times? Prime right now is 3.25 %. They we offering me something almost 20 % over prime. Of course I dont have to be their customer and now Im not. But what about those people dependent on these funding sources to supplement lack of income at this time? Is anybody watching this?
Product: Credit reporting or other personal consumer reports

I submitted a request for investigation under FRA 611 ( a ) to ( EXPERIAN ) on ( XX/XX/XXXX ) concerning the following account ( s ) : Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX I have received a letter stating that you have " VERIFIED '' the information. I am interested in understanding the process of verification and would like to obtain physical documentation to substantiate this incorrect information on my report. According to FCRA, reported information must be 100 % verifiable and accurate, failing which it should be removed under federal law. ( EXPERIAN has been reporting unverifiable and inaccurate information on my credit report, adversely affecting my credit. I am prepared to take legal action if this information is not " DELETED '' from my report. 

Please refrain from " updating '' or " verifying '' this information without conducting a thorough investigation. I request to be provided with the written contract and physical documentation supporting the information reported on my credit report via USPS mail. Screenshots and medical statements will not suffice ; I require my actual signature on a contract, as this debt is not mine. 

I am seeking this verification because my credit score holds significant importance to me, and I believe it is being unfairly damaged due to this regrettable error. Therefore, I kindly ask that you refrain from sending me a generic response to this request, as I am in the process of preparing a legal case and require specific answers to the questions outlined in this letter. 

I would like to bring to your attention the cases of XXXX XXXX Experian Information Solutions , Inc. XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). These consumers successfully challenged the bureaus for failing to conduct a reasonable investigation of their dispute and instead relying solely on the word of the debt collectors. I trust that your organization will conduct a thorough investigation and, if unable to provide proof of the validity of the debt, proceed to DELETE the information. 

I expect to receive a response within 15 days of receipt of this letter, or I will anticipate the permanent removal of the item in question from my record.
Product: Credit reporting or other personal consumer reports

I am writing after getting a copy of my most recent consumer report from the CRA 's dated XX/XX/year>. 

The reporting of the XXXX XXXX account showing a Late Payment is violating my Consumer Rights. Please see the attached credit report showing the late experience currently impacting my creditworthiness. 

Please note : 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LIl / Legal Information Institute 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Simply put my PAYMENT TRANSACTIONS and/or EXPERIENCES should NOT be included on my XXXX or XXXX XXXX reports. 

I am NOT seeking remedy at this time. Willful continued neglect to respect my Consumer Rights will cause me to seek proper remedy. Please reverse your reporting of this late payment to show pays as agreed or OK to restore my credit profile to Exceptional status. 

This current reporting is directly affecting my credit worthiness, standing, personal characteristics and my ability to obtain credit. Please provide me with an updated report by mail at my address on file with the bureaus and XXXX XXXX. 

CC : XXXX and XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off Dispute for Account XXXX I am writing to formally dispute the charge-off status of my account, XXXX XXXX XXXX XXXX, which is currently listed on my credit report. I believe this entry is inaccurate and would like to request a thorough investigation into this matter. Details of the Account : - Account Holder Name : XXXX - Account XXXX - Creditor Name : XXXX XXXX XXXX Date of Charge-off : XX/XX/XXXX- I request that you verify the accuracy of this charge-off with the creditor. If you find that the information is inaccurate, I ask that you correct or remove this entry from my credit report as required under the Fair Credit Reporting Act. Please find attached copies of relevant documents, including [ list any documents, such as payment records, correspondence, etc. ], to support my dispute. I appreciate your prompt attention to this matter and look forward to your response within the 30-day investigation period as stipulated by the Fair Credit Reporting Act. Thank you for your assistance. Sincerely,
Product: Debt collection

Santander is reporting the wrong balance on all 3 Credit Bureaus the remaining balance is {$13000.00} This car was reported as stolen in XX/XX/2019 GAAP insurance Company XXXX XXXX XXXX XXXX released {$10000.00} to SANTANDER CONSUMER USA for Comprehensive coverage, which is the settlement that is agreed on. It is my belief that Santander is reporting A balance of {$13000.00} to deceive me into paying them the extra money for a stolen vehicle. Santander has been reporting me as late to the Credit Bureaus even though I reported the vehicle stolen immediately. Then they listed the account as a chargeoff which took my credit score down even more.