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

XXXX is reporting a debt that is older than 7 years and inaccurate. 

XXXX XXXX  XXXX over 7 years DEPT OF EDUCATIONXXXX XX/XX/year> missed payment is inaccurate!
Product: Debt collection

In XXXX we entered into a contract account initially owned by XXXX XXXX XXXX. XXXX XXXX XXXX has changed hands to XXXX XXXX. We bought a XXXX XXXX XXXX XXXX XXXX.
Our contract states 156 payments starting XX/XX/XXXX
XXXX XXXX XXXX a.k.a. XXXX XXXX held our contract from XXXX to XXXX. In XXXX they sold the contract to Santander consumer USAXX/XX/XXXX was our last payment according to our contract of 13 years but Santander informed us that we still owe three more payments.
We tried to resolve this problem many many times with Santander and XXXX but got no satisfaction. Santander Sent us our payment history that they received from XXXX XXXX and it did not include the first three payments that we made!!! So Santander said they changed our contract to 158 payments!!!!! ( That 's not legal we did not agree or sign an agreement to that ) so we faxed a copy of the contract and the letter explaining the bookkeeping error.
We sent three registered letters receipt requested to XXXX XXXX  asking for our payment history and they did not respond!! When calling XXXX XXXX the mailings were noted but the representative did not have the capability to print out our history but said that XXXX, XXXX, and XXXX payments XXXX were made and even gave me the dates but they were not included in the history that they sent Santander.
These two companies will not communicate with one another to settle this problem and if you call XXXX you have to state it was an RV account or they 'll tell you you do n't have an account with us.
The bank We do business with ( XXXX XXXX ) only wholes cancel checks for seven years and could not help us and unfortunately I only have statements going back to XXXX.
We were never late and always on time to both of these banks for 13 years.
The total of the three payments that we are not getting credit for was {$810.00}.
Made to XXXX XXXX.
Santander wants {$620.00} to close the account.
We are paying that amount under protest or should I say rip off.
My husband is XXXX and I am XXXX and we live on Social security. I think this is considered elder abuse.
Please help us if you can retrieve some of our money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against XXXX, Experian, and XXXX. I have been locked out of all online dispute services even though I belong to several sites I am being billed for to access my credit reports. Recently, I spoke to Experian about completely removing some third party billers from my credit report. These people have been paid. They verbally agreed to remove the accounts after they were paid. 

The below items were sold to a third party biller. This means that the original creditor has written off said " debt. '' This constitutes a " contract was cancelled '' situation which means that the dispute reason should be " NO CONTRACT '' in each case. This is the law. 

XXXX XXXX XXXX has no right to collect money from me, or be listed on my credit report ( Experian XXXX XXXX ). XXXX was paid in full. That is the original creditor. This is illegal. 

XXXX was paid in full. They promised to take the collection off of my XXXX credit report. 

A XXXX XXXX public record is on my XXXX credit report. These dishonest people were paid by in XX/XX/XXXX. They took it off of my Experian credit report and put it on my XXXX Please remove this. It keeps me from getting credit cards. 

XXXX University was paid in full in XX/XX/XXXX to a third party collection agency. It is illegal for them to be listed on my XXXX credit report. 

XXXX XXXX is also on several of my credit reports after being paid off, and promising to delete the accounts. 

XXXX Obtained information in violation of HIPPA even though I never knowingly signed the right for them to obtain hospital records and try to collect money from me. The hospital had XXXX, regular insurance, and XXXX. They did n't even try to bill the remainder to XXXX. 

XXXX XXXX- They are listed on my credit reports along with a third party biller. If this is not illegal I do n't know what is. 

XXXX XXXX XXXX XXXX This third party biller is the company that XXXX XXXX wrote off my debt on its taxes to. This constitutes a This constitutes a " contract was cancelled '' situation which means that the dispute reason should be " NO CONTRACT '' in each case. This is the law. 

Financial Recoveries- Obtained information in violation of HIPPA even though I never knowingly signed the right for them to obtain medical records from my dialysis clinic and try to collect money from me. The clinic, XXXX XXXX had XXXX, regular insurance, and XXXX. They did n't even try to bill the remainder to XXXX. 

Public record- XXXX XXXX XXXX I paid this in full in XX/XX/XXXX. They verbally agreed to move this from my credit report. They took it off of my XXXX and Experian. However they sneaked back later and put this on my XXXX credit report. It must be deleted because it caused me to get turned down for credit card offers.
Product: Debt collection

This company Resurgent Capital Services which i have NO CONTRACT with is Reporting on my credit reports fraudulently. 

* Were you named on the original contract with the original creditor? 
* If not, do you have a contract between your company and me, signed by both parties? 
* If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? 
* Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? 

Verification is a sworn testimony so you should also be responding in that format. Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I hope this message finds you well. I wanted to bring to your attention an issue regarding my XXXX XXXX and XXXX Credit Card accounts. These accounts do not belong to me, as they were acquired by a trusted family member who resided with me in the past. Unfortunately, this family member has since passed away, and it recently came to my attention that they had been using my cards without my knowledge. 

I was unaware of their actions as they were responsible for paying off the bills associated with these accounts. However, following their passing, I discovered the outstanding balance left on these cards. 

I am reaching out to inform you of this situation and to seek your guidance on how best to resolve this matter. Your support and assistance in rectifying this issue would be greatly appreciated.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

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 or other personal consumer reports

This is regarding XXXX XXXX XXXX XXXX account ending in XXXX. 

Gramm-Leach-Bliley Act ( GLBA ) : The GLBA requires financial institutions to provide consumers with privacy notices explaining their information-sharing practices and to obtain opt-in or opt-out consent before sharing nonpublic personal information with non-affiliated third parties. Fair Credit Reporting Act ( FCRA ) : The FCRA regulates the collection, dissemination, and use of consumer credit information. It requires consumer reporting agencies to obtain permissible purpose and consumer consent before providing consumer reports to third parties. These federal statutes establish requirements for obtaining consumer consent or permission before sharing personally identifiable information and aim to protect individuals ' privacy rights and sensitive data. Neither XXXX, XXXX, Transunion, or XXXX XXXX XXXX XXXX can produce the disclosures that I was required to receive by law to share my personally identifiable information with a non-affiliated third party. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Failure to provide these disclosures and the subsequent sharing of personally identifiable information amounts to identity theft.
Product: Credit card

I had credit card with CAPITAL ONE which I stopped using since many months before XX/XX/year> when they charged me $ XXXX  yearly fee. I had already mentioned to the company I will not be using their credit card in XXXX  week of XXXX and must terminate this card. I complained them in XXXX also when I saw they still have charged me annual fee. Most shocking is they have terminated my card and at the same time charged me annual fee. They want Cake and Eat too. This is unethical and fraud business practice taking advantage of Senior citizens with limited fixed income. I would appreciate your help to recover that fee. They are exploiting the system. Thanks. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion is reporting a late payment for XXXX for XXXX late payments for XXXX, XXXX and XXXX for XXXX. There are also negative accounts reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX that needs to be deleted. As well as the hard inquires that I didn't provide my permissible purpose 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Experian XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - XXXX XXXX : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$610.00} {$610.00} {$300.00} Credit Limit : {$300.00} {$300.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Late 120 Days Late 120 Days Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Credit card or prepaid card

My payment for capital one was due XX/XX/2022 for my XXXX statement. My payment posted XX/XX/2022. I realized I paid my balance ( {$1500.00} ) instead of my statement amount ( {$330.00} ). Capital one would not refund the amount to remake a payment and I was told I could only do a stop payment with my XXXX bank. Then redo the payment. I issued a stop payment to XXXX XXXX XXXX 2022 same day. The stop payment went through XX/XX/2022. I called capital one to make a payment on my XXXX statement of ( {$330.00} ) XX/XX/2022. My statement for Capital one at the time did not reflect the change in balance. I was told there system could not accept a payment because my balance still showed {$0.00} owed. They told me ( multiple supervisors ) that I would need to wait till Monday XX/XX/2022 for it to reflect the proper balance for me to make a payment on my XX/XX/2022 statement. I was told my interest would be subdued for those 5 days of being late for XX/XX/2022 statement. They also would take off the late payment XXXX called back XX/XX/2022 to make a payment on my XX/XX/2022 statement due XX/XX/2022. The balance for Capital One still reflected {$0.00} payment due and they could not take payment. I called the next day XX/XX/2022 and still my balance reflected {$0.00} payment due and they could not accept payment on my XX/XX/2022 statement due XX/XX/2022. XX/XX/2022 Capital One created a new statement for XX/XX/2022 rolling in my XXXX statement balance plus additional balance, charged me interest for past due, blocked my credit card until minimum payment made. There system was rigged to keep me from making a payment and worked against me as a customer to fulfill my debt and put me at credit risk.
Product: Checking or savings account

On XX/XX/XXXX a dispute report was mailed to chase bank. 
I XXXX XXXX # XXXX have been in the XXXX  XXXX XXXX XXXXXXXX since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I Submitted a dispute for a checking Account beeing opened up in my name due to fraud, I sent out by way of USPS mail to JPMCB for these XXXX accounts # XXXX and # XXXX opened under my name, they never responded back. But yet this bank has Is filed a lawsuit against me in check system report. Had this bank Done their due diligence and answered my dispute they wouldve have seen Ive been in the XXXX XXXX XXXX XXXXXXXX since XX/XX/XXXX and would have been Is impossible for me to have opened this account. I ask that u order XXXX XXXX XXXX to answer this complain
Product: Credit reporting, credit repair services, or other personal consumer reports

The purpose of my compliant is to address fraudulent charges via a Capital One credit card. I had a secured Capital One credit card with excellent history dating back to XX/XX/XXXX. In the fall of XX/XX/XXXX I made Capital One aware of frivolous charges on the account. After review, they stated that the charges  were valid and began to report negatively to the credit bureaus thus destroying my credit. My secure credit card had a credit limit of {$3000.00}. My credit report is reflecting a charge off of {$9400.00}, with an outstanding balance of {$6500.00}. How is this possible, if ( A ) I reported fraudulent activity and ( B ) my card 's maximum limit was {$3000.00}? Your assistance in this matter is greatly appreciated.
Product: Student loan

I understand that must repay the loan ( s ). My issue is the monthly amount that I have to pay. I had to take XXXX loans from my 401k to finish paying for my degree as the amount of Federal Aid did not cover XXXX %. The problem is that I am not able to pay the full amount each month because the 401k loan automatically comes out of my check each week. I have been making payments towards my student loans even before they were officially due. In the future, I will be able to pay more towards my student loans once my 401k loan is paid back. I simply do not make enough money to pay the requested amount.
Product: Credit reporting or other personal consumer reports

This credit card has been opened in my name without my consent I have no knowledge of this card
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by a Consumer Rights Attorney to dispute this account before we file a legal complaint. XXXX and XXXX  XXXX ( XXXX XXXX XXXX  ) is under SO MUCH VIOLATIONS when it comes to my credit report. First, I gave no written consent to them to report anything to my credit report. Second, There are INACCURATE information on my credit report so there is no way this is reporting to the maximum possible accuracy, therefore this account needs to be removed because it is in violation of 15 U.S. Code 1681b a2, 15 U.S. Code 1681i ( 5 ), and 15 U.S. Code 1681e ( b ). Also paid charge off accounts shouldn't even be reporting to my credit report due to your own reporting standards on the metro 2 software. If this account is not removed, when this is taken to court I will make sure I receive my {$1000.00} per violation.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX for a VALIDATION of the information they had reported on my credit under the Fair Debt Collection Practices, 15 USC 1962 g Sec 809 ( b ).

In general, the requested information was not provided and it is the supposed debt collector who has the burden of proof to establish precisely that this debt is mine as a consumer.

The supposed collector sent a copy of the original creditor 's contract and said contract does not clearly state that he has a payment responsibility to the current doubt collector therefore he can not hold me responsible as a matter of law. Furthermore, I never initiated a transaction or gave him authorization to obtain information or report anything at all on my credit report. The debt collector and credit bureau must delete any non-validated information under the Due Process Clause of the Fifth Amendment.
Product: Checking or savings account

I got a reservation on XXXX for a night on XX/XX/XXXX to XX/XX/XXXX for {$190.00}. At the XXXX XXXX in XXXX XXXX. But when I got there the hotel was full. And I've been trying to get my money back, and they would not help me. I also contacted my bank and they denied my dispute. And I find that it is messed up to stay at a hotel, find that it is full and they won't give me my money back.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach. XXXX, Equifax and XXXX has been breach and they exposed my information.
Product: Debt collection

Contacted this collection company handling this debt and they said the debt is mines but the phone numbers on file doesnt match and i dont have no knowings of this collection, im not responsible for this debt and it has caused a huge burden on myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized hard credit inquiry by Huntington Bank XXXX XX/XX/XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to the current lawsuit I am a victim of predator lending from credit acceptance. 

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. 

XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 

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 card or prepaid card

Dispute is with Bank of America. Credit card was fraudulently charged {$160.00} on XX/XX/2019. Claim was denied because we did not have a credit card slip. Since the charge was not authorized how would we have a credit card slip?
Product: Debt collection

I have been receiving numerous collection calls on my Business phone for individuals not associated to me or my business. I have spoken to representatives and explained that this is a business number and that the people they are looking for are not associated with this number. This has not stopped the calls. I have received close to 100 calls over the last month. Some calls come within minutes of each other. the last time I spoke with a representative on Friday I told them I would file a complaint with the FTC and Attorney General of my State if the calls continued which they did over the weekend and again this morning. This is what I am now doing. I am attaching a copy of my phone statement indicating the numerous nature of the calls.
Product: Vehicle loan or lease

My dispute is with Westlake Financial Services at XXXX XXXX XXXX, XXXX XXXX CA XXXX. I had an auto loan with them and had purchased gap insurance. I was in a car accident and totaled this vehicle, and westlake financial made it near impossible to file a claim. When I managed to file a claim they denied my gap claim due to making late payments during the course of my loan. This provision was not in my gap policy upon purchasing. I have been unable to dispute this course of action for over a year. I can not call them without one of their agents, who speak english poorly, either hanging up on me or their  automated system hanging up on me instead of transferring me to agents. I am tired of this being claimed as " Bad debt '' on my credit report.