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

I mailed certified letters on XX/XX/2020 & XX/XX/2020 to the following companies and creditors regarding a disputed item on my credit reports : 1. XXXX XXXX XXXX XXXX mailed XX/XX/2020 2. XXXX XXXX - mailed XX/XX/2020 3. XXXX - mailed XX/XX/2020 4. Experian - mailed XX/XX/2020 5. XXXX - mailed XX/XX/2020 The disputed item is reported as a repossession on all ( 3 ) credit bureaus. I sent a letter to the original creditor and car dealership where the vehicle was reportedly purchased from. By law ( FCRA ) they have 15 days to respond. They have not responded date. I mailed certified letters to all ( 3 ) credit bureaus advising them that I am disputing the repossession that is being reported. I explicitly the method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has first-hand knowledge of the account in question. 

I called XXXX on XX/XX/XXXX to follow up on the dispute. They advised me that the account was verified and that they would send me the method of verification in the mail. They did not send the method of verification pursuant to the FCRA ; they simply sent a normal dispute notice stating that the account was verified. 

I have attached the following letters to the case : 1. Dispute letter to XXXX XXXX XXXX & XXXX XXXX 2. Dispute letter to XXXX 3. Response received from XXXX that does not include the method of verification required by the FCRA. 
4. Dispute letter to Experian 5. Dispute letter to XXXX 6. Certified Letter Confirmation Numbers
Product: Student loan

I took out my student loans from XX/XX/XXXX-XX/XX/XXXX and used XXXX XXXX XXXX  for my Federal and Private Loans. When I started repaying the loans back in XX/XX/XXXX, XXXX XXXX was the company who I dealt with for repayment. I stayed with XXXX XXXX for my Federal loan until XX/XX/XXXXwhen I submitted my first paperwork for the Public Service Loan Forgiveness Program.
I was told I did not qualify as my loans were not through an approved servicer so I switched to Fedloan Servicing for my time to count. I worked for the XXXX XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX, the XXXX XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX, and now the XXXX XXXX XXXX ( XX/XX/XXXX to present ). I worked as a XXXX in all three offices so I should qualify for PSLF program.
As the PSLF program was created in XX/XX/XXXX, I believed that I should qualify for at least 13 payments ( XX/XX/XXXX to XX/XX/XXXX ) for my XXXX XXXX XXXX XXXX time, 24 payments for my XXXX XXXX XXXX time, and 21 payments for my XXXX XXXX XXXX time. When I submitted my first PSLF form in XX/XX/XXXXI was told none of my previous payments counted as I was n't part of Fedloan Servicing and payments I made to XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX did n't count as XXXX XXXX was not an approved loan servicer.
When I took my loans out, the Federal government did not service loans and did not until years later. There was no notice that my payments did not qualify so until I got my rejection notice in XX/XX/XXXX, I did not realize that my payments did not count. I believe I should have almost 4 years in towards my loan forgiveness plan, but I am only getting credit for three years of payments.
I believe Fedloan Servicing should count the payments I made prior to switching to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX, XXXX, Experian, and the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 6802,15 U.S. Code 6801, 15 USC 1681. The Credit reporting agencies are displaying my private information publicly without consent. The institutions have not furnished the items below required by law. 15 U.S. Code 6801 - Protection of nonpublic personal information Each of these companies has violated my rights by reporting information to the credit agency. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 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. 

DELETE ALL of the ACCOUNTS BELOW and ALL INFORMATION associated with them : 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 or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES TRANSUNION, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE FOLLOWING INQUIRIES : TO MY REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. I am aware that some businesses might request that you also file a report with your local police. Form XXXX was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an XXXX XXXX XXXX credit card ( administered initially by XXXX  XXXX XXXX ) for XXXX without issue, always paying my full XXXX balance each XXXX through an automatic withdrawal from my bank account. I use this credit card only occasionally for travel expenses and otherwise mostly rely on other cards for my routine XXXX XXXX XXXX expenses. A XXXX XXXX ago, my credit card account was transferred from XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) without any notice, written or otherwise, to me. At the same time my longstanding autopay was cancelled. I was not furnished replacement credit cards or other notice that the small XXXX ( non-delinquent ) balance of a XXXX XXXX XXXX  was being transferred to a new bank, without my autopay, and without a chance for me to easily pay the balance. I did not notice an issue with the credit card as I do not regularly use it when I am not travelling. XXXX began to leave me voicemail messages simply asking me to call their XXXX number without giving other information, I assumed this was spam as I had no known accounts with XXXX. They finally sent a written notice via mail to my home address demanding payment for an outstanding balance ( showing an account number last XXXX digits that I did not recognize, without any other statement details, including the amount owed or other details that would verify that the notice was not spam/junk mail ). This led me to call them and finally understand that they had taken over my account, cancelled my autopay, and now charged me several late fees and interest, and reported my account as delinquent to credit rating agencies, all without having given me proper notice or a chance to pay off the small balance. I immediately paid the outstanding balance ( they did waive the late fees and interest ), and closed the credit card account. The credit reporting issue is the a major outstanding problem, as I am looking into buying a home very soon. Since my account was not properly handled and I was never given an appropriate opportunity to pay the balance, the delinquent notice on my account is inaccurate and should be immediately removed from my credit reports to repair my credit before I seek financing for a home mortgage loan. I have never had issues with credit card debt and this issue will significantly impact my otherwise excellent creditworthiness. When I called XXXX with this issue, I was told they would " look into it but can not promise anything. '' This is not an acceptable response and I need my credit to be repaired immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account : Bank of America, has violated my rights. 

Bank of America stole my identity and sold/shared without my consent to XXXX XXXX XXXX XXXX XXXX This is a crime and I deserve protection. Identity theft is a crime punishable by federal laws.

1

5 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: Debt collection

National Credit System has reported an unverified collections account on my credit report. I am demanding that they provide the original documentation with my wet or digital signature via mail. If unable to provide that information I demand that the unverified collection report be deleted/ removed from my credit report with all repositories. Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) it is required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could be fax, mail, or email in a fraudulent account
Product: Mortgage

My mortgage was sold by XXXX to Flagstar bank and I was unaware. I noticed the monthly payment 's of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were withdrawn from my account automatically as i had set up previously, however the automatic payment was then stopped by Flagstar. I did not know they had been stopped until I was XXXX  days late. I have now updated the mailing and autopay directly through Flagstar to avoid this happening again. They refused to help me and claimed it wasn't even possible and needed to go directly through the credit report companies.
Product: Money transfer, virtual currency, or money service

I tried to transfer {$500.00} from KeyBank to my XXXX account on XX/XX/XXXX. The bank sent to a different account that is not mine. I called many times and the dispute center escalated my case 3 times and they still denied my claim. I sent them my XXXX statement as proof that the money is not in my account. I talked to managers from the dispute team and KeyBank costumer service. They provided me with all of the account numbers where my money went and still they say they can't give me my money. 
They told me to call XXXX bank. The XXXX bank manager told me that the sender should do a ''recall of the funds ''. They can do nothing but they told me that the account where my money went is active. 
You are my only hope!
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out thru XXXX Credit Reporting that Companies had checked my credit without my permission. I am a victim of identity theft. It is reported on all 3 credit bureaus. They must call me before they check my credit to get my permission before they check my credit. I have a block on all three credit reports but someone is still checking my credit to obtain credit on me. XXXX and XXXX also have the same that someone is trying to get credit on me which is bringing down my credit score and interfering with my credit. There is a written statement on my credit reports to contact me before they check my credit, I would have told them I did not apply for any credit from them at any given time. Credit that I have, I gave permission for these companies to check my credit.
Product: Debt collection

they call insisting need to call today call at XXXX but close at XXXX.
Product: Credit reporting

I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX/XXXX/2010
Product: Credit card or prepaid card

Was told XXXX signup bonus when I apply the card. After I met the minimum spend, Amex customers service I was denied for the signup bonus
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested all bureaus do an investigation on the account I have listed below. 

According to the FCRA, the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

XXXX and Experian stated my account was accurate/updated ( pages XXXX attached document ) but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 U.S.C 1681 everything has to be 100 % accurate. I have the credit report showing/highlighting the inaccuracies ( pages XXXX attached document ). 

Account : XXXX : XXXX ( XXXX ), XXXX ( Experian ) Also, In accordance with the Fair Credit Reporting Act, 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 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

This account is not mine. I am a joint user, and have not used the account
Product: Student loan

Dear CFPB, This complaint is regarding a former and resolved complaint, case # XXXX, regarding Wells Fargo account # XXXX. A brief history of the original complaint is necessary to set forth this complaint : I received private undergraduate student loans through Wells Fargo. After, I consolidated my loans. When the loans were consolidated, I was a nave XXXX year old, and, as most loan contracts or loan consolidation contracts are, this one was gigantic and complicated. Since having gone to law school, I now understand I would have no qualm about arguing the contract is defective for any number of reasons, e.g., adhesion, unconscionable, etc. Upon arriving at law school, I asked that Wells Fargo defer my loans. To this point, I had no idea the consolidation preempted my ability to consolidate in the future. However, I was informed that it had. The payments were over {$280.00} per month. The payments crushed me through school to the point that at the end of every semester I was unable to make this payment, or other payments. At the end of every semester I would call, and ask that the loans be put into forbearance. Every time Wells Fargo responded the loans could not be put into forbearance during school and that I would be charged late fees. 

After nearly three years of XXXX school, and on the day after XXXX of XXXX, I called Wells Fargo to tell them I would not be able to make another payment, and they could call and leave as many messages as they wanted ( that a customer service rep wanted to talk about my account ), but I still would not be able to pay. Again, I asked for forbearance. Then, I drafted my first complaint to CFPB. Within days, Wells Fargo 's " policy had changed, '' and my loan was magically put into forbearance. If the policy did in fact change the day after CFPB notified Wells Fargo of my complaint, then I have no problem. This is doubtful. There are only two options. The first : Wells Fargo did not want to deal with my complaint, paid me {$56.00} for XXXX late fee, and put the loan into forbearance. That is good and well, except in that first scenario Wells Fargo lied in its letter about the forbearance. Second : At some point the Wells Fargo policy did actually change, my loan could have gone into forbearance, and every single time I called they missed it. I believe either scenario is deceptive. Please let me know if your agency can aid in this matter. 

If not, misleading statements that violate state law, XXXX. XXXX XXXX. XXXX, are not preempted by the Comptroller 's jurisdiction. See XXXX XXXX Wells Fargo Bank , NA, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). Because I believe either scenario to be misleading, I would be willing to explore filing a state action should your agency not be able to help in the matter for whatever reason.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




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: Debt collection

I have been going back with this company and they've repeatedly refused to comply with my requests, as well as, deny their violations of the Truth in Lending act. They have also been caught red handed violating the Fair Debt Collection Practices Act by submitting proof through a previous CFPB complaint. The exhibits are listed in the attachments of this complaint. SANTANDER CONSUMER USA INC. has provided the contract agreement that was set in place to meet obligations that was agreed upon, but the contract was fraudulent and deceptive to begin with, which makes the existing contract NULL. A finance charge does not contain cash and cash was taken from me, which is fraudulent. A finance charge also INCLUDES insurance, which was not provided ( it shall not be optional ). These were fraudulent actions which result in the contract being XXXX. Furthermore, this company is a debt collector and they've stated so within the exhibit attached below : " This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector. '' In addition to that statement, they're using their labels within the letter to collect a debt. These are all violations of the FDCPA. So, not only have they violated me with a fraudulent contract, but they also used unfair practices to attempt to collect an alleged debt. Moreover, this account can not be considered late/collection/charged-off because it contains a finance charge, which is the sum of ALL charges. This account was paid in full with my Credit Card ( social security card ) and can not contain a late payment. So, this company has been taking advantage of me by creating a fraudulent contract, using unfair practices to attempt to collect an alleged debt, then furnishing negative remarks on my consumer report and refusing to compensate me for several federal violations and remove all negative items from my consumer report. I have a right to opt out of having my nonpublic personal information from being share with a nonaffiliated third party and this financial institution never clearly and conspicuously disclosed this to me in writing or in electronic form. I am in complete distress from being completely taken advantage of by SANTANDER CONSUMER USA INC.
Product: Consumer Loan

I financed a vehicle in XXXX XXXX from a company in XXXX County California called my car agent. It was a buy here/ pay here deal where I made my payments directly to the company due to my credit score. I had the car for over a year and made all my payments on time. I ended up losing my job in XXXX of XXXX and my unemployment benefits ran out later in the year so I was unable to pay my car payment and still without a job. By that time the company had changed their financing to a company called drive it financial services. So when I surrendered my vehicle it was a repo and the company started trying to collect. They never sent me anything regarding how much the car was sold for or the manner in which is was disposed. It was a XXXX Saturn with XXXX miles on it. I owed a little over XXXX on the car and when I started being harassed for collections I was told that I now owe about XXXX meaning the car was sold at about a thousand dollars. I received many harassing phone calls from people claiming to be lawyers who were rude and I requested documentation verifying how and when the vehicle was sold in order to ascertain how much I truly owe and the company refused. I do not feel comfortable moving forward and paying a balance if there is no proof that I truly owe this. What if this car has been sold for more money or financed to another individual and I do not owe this amount they are seeking? I need answers
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.