23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX in XXXX CA closed down along with all of their campuses while I was enrolled and now they are asking me to pay back the loans. The amount due is {$5400.00} which I have been going back and fourth with the XXXX XXXX XXXX XXXX to see If I could either get it forgiven seeing as I was not able to finish the program or if I could set up a payment arrangement. I sent in my last correspondence and now they are sending my account to a collections agency and they have sent me a notice that they are going to garnish my paycheck by 15 %
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company, Shellpoint Mortgage Servicing was not reporting my mortgage payments to the XXXX  Credit Bureau causing my score to drop. On XX/XX/XXXX after retrieving my report and speaking to a XXXX  representative he informed me that was the reason for my score drop. The situation has been corrected but if I hadn't caught it who knows how long it would have gone on. I am inclosing the unreported payments in a copy of the XXXX  Credit Report. See pages 8 & 9. The last reported payment was XX/XX/XXXX and report was generated XX/XX/XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Bank Of America, credit card. interest rate was 31 % and monthly payment was {$700.00} per month. Years of XXXX to XXXX I was strangling with personal financial situations, I work on commission and little money I was producing was just enough to eat and pay some bills. In XXXX XXXX I called Bank of America a few times asking to please reduce my payment to {$250.00} x month until I 'll recovered into a better financial. Instead of received help, the bank sent my account to Charge Off Account. 
On XXXX Bank Of America reported Charge Off Account to the credit Burrows, and stop sending me monthly bills statements and phone calls. On XXXX XXXX the bank started to report every month late payment to this date XXXX. 
After account is reported as Charge Off, can the creditor report late payments to the Burrows? these late payments is horrible damaging my fico scores.
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act XXXX  Account # XXXX, NAME : 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 furbish an account without my written instructions.
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 name : # XXXX, Account name : # XXXX, Account name : # 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. 16815-2 ( 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: Vehicle loan or lease

I have a vehicle back in 2018 in my name that the payments was backed up from my understanding the car was repossessed an sold at auction it been reporting on my credit report ever since an I no longer have the vehicle because of repossession an by it being reported late every month it been nothing but a major set back it was financed thought Credit acceptance I think its all fair that we get this problem corrected this been a major set back in my life.Thank you so so much my ex wife was trying to destroy my life now this catching up to me after all these years please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing this inaccurate account months and filed several CFPB complaint, but Transunion never want remove it from my credit report. This account have been reporting XXXX days late XXXX times in a row for XX/XX/XXXX, XXXX. This account also been reporting XXXX days late XXXX times in a row for XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Self Finacial has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by self financial, before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or self financial, to furnish any late payments to my consumer report. It is my belief that due to self financial, business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes in regards to the incorrect info on my credit report. It has been well over 30 days and I havent received my investigation results.
Product: Checking or savings account

XXXX the XXXX I lost my card on a lunch run while on my break, after my lunch i realized i didnt have my card on me and didnt think too much about it cause i often loose my cards and find them however the next day i went on my account to close the debit card and there was a check with an amount of {$1700.00} deposited and withdrawn, I am no longer able to view my online bank statement and my account is now reflecting - {$1800.00}, I contacted my bank and they have started a claim however my only worry is that I end up in debt. I did not make those transactions nor am I associated with it. I am extremely worried as I have never been in a situation like this and I dont want a negative outcome from this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  violated law 15 U.S.C.1681 ( A ) ( 2 ) ( A ) ( I ) reported a transaction on the date of XXXX XXXX the amount was {$6100.00}. XXXX XXXX XXXX XXXX has violated 15 U.S.C. By reporting closed account approximately date of XX/XX/2019. XXXX was XXXX owed. According to " FCRA '' 15 U.S.C. 1681 ( A ) ( 2 ) ( A ) ( I ), except for provided in paragraph 3 the term " consumer '' report or does not include reports containing information solely as to " transaction '' that I am highlighting. Under current law 15 U.S.C. 1681 ( A ) ( 2 ) ( A ) ( I ). In addition, I XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX are excluded from the consumer report. Delete these transactions from the consumer report or delete the item mark as closed charge off from my consumer report.,
Product: Credit reporting, credit repair services, or other personal consumer reports

company has not follow protocol as to remove items from my file that is not mines
Product: Credit card

Initially when starting the account, I was given a faulty username. I was on call with an associate to help me find/ apply a new username. The associate incorrectly input my username with different letters, they offered not alternatives to recover the username. This caused me to make a late payment after I experimented with usernames. 
This will tie in with the date of the first late payment made to the account I called in to make a payment via phone on XX/XX/XXXX. Their system flagged a late payment. Again, my username changed, and I did not receive an update or find a way to find my username. 

Fast forward to today! XXXX XXXX, the username is incorrect again. I tried recovering via email, never received an email. 

I called in asking to have someone help. I was told they don't do recovery via email, which is against what it says on their page. 

When i asked if i could reset or receive the email via phone i was told i would have to do it via customer support, which they arent customer service? I literally called the number listed on their website. 

The associate told me to call the number on my card to have it reset. The number on my card is no longer apart of the company, and is marketing another service to me unrelated to the credit card. 

This company is clearly engaging in malpractice, making it exceedingly difficult to make payments on time or to help their customers recover passwords/ usernames, which they themselves change.
Product: Credit reporting or other personal consumer reports

This account was charge off on the following date XX/XX/2021 since then the account was repeatedly been updated as charge off every month. This is an update in the payment history. A Charge off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitation. XXXX failed to investigate the account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$37000.00} XXXX XXXX XXXX XXXX Balance : {$36000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple dispute letters to TransUnion on XX/XX/2022. None of my disputes came back as verified or investigated. I also never received any communication of investigation results.
Product: Debt collection

This {$75.00} debt was paid to XXXX XXXX XXXX already. I had to pay before being seen. I do not owe this debt.
Product: Student loan

On XX/XX/year> I requested Auto Payment on my loans since the Auto Pay would decrease interested by 0.25 %. My request was not processed until XX/XX/year>. For 2 months, I was paying 0.25 % extra interest which I was not supposed to. I did not hear anything from Edfinancial. I paid off on of my loans ( Loan XXXX ) back in XX/XX/year>. Then, suddenly, on XX/XX/year>, I see that XXXX XXXX is reposted to my account for around {$7200.00}. I called Edfinancial and they said I have 4 payment reversals from XX/XX/year> to XX/XX/year> because they wanted to refund my payments that were not on Auto Pay. However, when I calculated the amount, the amount they were refunding me was {$7100.00}. This means that I have to actually pay at least {$100.00} more. This is really frustrating because I already paid this loan off and now I have to pay more for this loan unnecessarily. Furthermore, Edfinancial stated it would take 45-60 days for the payment reversals to deposit back into my bank account. This means for 45-60 days the interest will accumulate even more and I would have to significantly pay more. This does not make any sense. I should not have to pay for a loan that was already paid off. Edfinancial has been showing a lot of miscommunication and has been trying to scam me to may more than I actually owe. I have been very diligent about making my loan payments and have been paying even more than I should. I am very disappointed with this loan provider and will bring out the legal issues. This is highly unethical.
Product: Checking or savings account

Opened Merrill Lynch online brokage XXXX account through local XXXX  XXXX XXXX referrals a year ago, everything worked well until XX/XX/2024 when I found there are several unauthorized fraud online transfer transactions, called Merrill customer service and reported the issue. 

Merrill customer service rep worked with their fraud department on this issue, they initially said relax it should be protected, it just take time to get the money back since need to work with the other receiving banks. But after 3 months, they now saying the other receiving bank didn't respond, they can't get my money back.
Product: Vehicle loan or lease

Santander is not operating fairly. In XXXX XXXX, I submitted a payment in the amount of {$360.00}. At the time, my payments were current. The entire payment was applied towards interest. I spoke to several representatives who attempted to justify why my entire payment was applied towards interest. Each representative implied that because I last submitted a payment in XXXX, interest accrues daily, thus the payment submitted in XXXX, as per Santander, was justifiably submitted towards interest. That may be their reason, however it is not justified. In XXXX, two partial payments were submitted in the month of XXXX to satisfy the payment for the month. As I was one payment ahead at the time, my next payment was not due until XXXX. Additionally, Santander claims that interest accrues daily and when payments are late additional interest builds between payments. This is what I do n't understand and none of this in explained in my contract ( please review ). How is it legal for a finance company to demand additional money other than what is stated in the contract? Late fees should be applied to late payments ; not additional interest that exceeds what in noted on the contract. Previously Santander responded that payments submitted in advance reduces the interest, apparently, this is not the case. 

My second complaint is I have a statement which reports my principal balance as {$8500.00}. However, after reviewing my credit report ( XXXX ), Santander falsely reported that I owed {$9200.00} - an increase to what I previously owed. This information greatly hurt my credit score. How and why are they able to do this? 

This contract with Santander has placed me in dire straits. I can not continue to pay for a car when the balance never goes down. The maturity date listed on my billing state is : XXXX XXXX, XXXX. However, given the amount of the principle balance, ( at {$360.00} per payment ) I am obligated to payment 23 additional payments - close to two years of additional payments and the car was financed in XXXX of XXXX? 
This can not be legal. 

Yes, late payments were submitted during the loan period. However, prior to now my payments were on time. Why does a XXXX dollar corporation ride on the backs of individuals who are put at their mercy to get approved for a loan? So is it fair to say that as long as late payments are submitted, Santander is able to apply additional money on the loan? I need answers. 

This is my ******SECOND COMPLAINT****** Please note, as of XXXX XXXX, XXXX, my principal balance, as notated on Santander 's payment ledger was {$9100.00}. As of today, as noted on a payment statement that I received in the mail, my principal balance is {$8500.00}. Please keep in mind, that my contract began in XXXX of XXXX and I have paid close to and/or over {$22000.00}. 
I would like a full explanation how Santander is able to receive additional money over the total amount that is noted on the contract.
Product: Debt collection

Portfolio recovery agency has non stoped called and txted me morning evening and night. I have reached out to them to verify debt even tho the original credit sold debt and still shows balance on my credit. I have asked numerous times for a written statement showing that I owe this debt directly to them and not the original account and nothing. I have been repeatedly harassed and called every hour of the night from numerous numbers all saying portfolio recovery agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has reported multiple inquires that Ive never applied for. 

Equifax has been reporting Erroneous and fraudulent information violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am seeking to bring litigation to Equifax because my character has been defamed. I demand that these inquires below be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ACCOUNTXXXX REPORTS LATE PAYMENTS ON ALL 3 BUREAUS IN AN INCONSISTENT CONFICTING MANNER.THIS HAS OCCURRED AFTER NO LESS THAN 3 ATTEMPTS AT ACCURACY BY DISPUTE WITH EACH OF THE BIG 3.

I HAVE ATTACHED A THIRD PARTY RECENT REPORT BY XXXXTHIS REPORT ON XXXX SHOWS A 30 DAY LATE IN XX/XX/2016 AND A 60 IN XX/XX/2016XXXXON XXXX WE SEE NO LATES WHATSOVER. ON EQUIFAX WE SEE A 30 DAY LATE IN XXXX OF 2016. 
DUE TO THE FCRA, THE NUMBERS OF DISPUTES PER BUREAU, THE LACK OF THE VERACITY OF INFORMATION TRANSMITTED BY XXXX XXXX XXXX I   WOULD ASK IN THE INTEREST OF FAIRNESS UNDER THE LAW, THE LACK OF FAITH IN ACCURATE REMEDIATION, THAT THE ACCOUNT BE DELETED FROM ALL BIG 3 BUREAUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX, XXXX XXXXXXXX, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXXXXXX, and XXXX XXXXXXXX have 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is apartment is fraud. I do not owe a balance. This balance is incorrect.
Product: Credit reporting or other personal consumer reports

An unauthorized hard inquiry was placed on my credit report for 2 or more credit agencies being XXXX, XXXX and possibly XXXX. This hard inquiry was not recognized or authorized by myself under any circumstance. This is as result from a fraudulant application for a credit card for the CAPITAL ONE company on XX/XX/scrub>XXXX XXXX
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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency 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

The website logged me off, and would not let me continue to get my free yearly credit reports. I was able to get one from XXXX, but the other two timed out or something and would not let me finish what I was doing to receive my reports. Please advise what to do next, and how to proceed. Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX Fraud Account Thx Delete account XXXX XXXX XXXX XXXX XXXX Account Delete Please XXXX card XXXX Not My account please delete