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

Dear Santander Consumer USA, I am writing to address the recent charge-off of my account. I am concerned about the accuracy of the information provided and the circumstances leading to this action. 

According to the statement dated XX/XX/2024, the total amount due is listed as {$4600.00}, with a due date of XX/XX/2024. However, this due date appears to be before the statement date, which is inconsistent. 

Furthermore, the past due amount and total amount due seem unusually high compared to the monthly payment. I kindly request clarification on the charge-off status and the discrepancy in the amounts provided. 

Your prompt attention to this matter is urgently requested, as I am eager to resolve any outstanding issues regarding my account. 

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

Once again just got more credit cards offers but still not adding payment history for the credit card they pushed to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, LAW OFFICES MBA, and XXXX XXXX XXXX . I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, LAW OFFICES MBA, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Checking or savings account

I was appointed XXXX of XXXX XXXX on or about XXXX, 2022. 
XXXX XXXX is XXXX, XXXX XXXX XXXX and was a XXXX of financial exploitation. 
I have served XXXX, where she has XXXX accounts, with XXXX orders from the New York XXXX Supreme Court. XXXX order appoints me guardian with the power to marshal her assets and the second was an Order to Compel them to provide me with the account numbers and statement. 

In a letter dated XX/XX/2022 XXXX acknowledges that it received the court order appointing me guardian back in XXXX, 2022. 

It is now XX/XX/2022 and I am still being told I can not be added to the account. I literally spend hours each day calling to see why there is still a delay. 

The excuse now is because I have to first make an appointment at a branch and only then can my " profile '' be added to the account on the bank side. I can't just walk in, I have to have an appointment and only they can make that appointment for me. I would have to do something different on the brokerage side because they won't accept the orders as compelling evidence that I have legal authority to marshal assets. 

XXXX XXXX is XXXX XXXX XXXX. She needs XXXX care. She needs her rent paid. I do not have the funds to pay for the care that she needs. XXXX to date has only provided me with copies of statements. They give me numbers to call that aren't picked up and where you can't leave a message. 

If XXXX can basically thumb their nose at a court order, then why is it that the federal government continues to grant them operating authority? 

I would really appreciate your help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello- I am troubled by the behavior of XXXXXXXX XXXX XXXX. Three years ago I leased a car from them. We moved addresses twice from purchase until now. In 2022, XXXX marked my credit record with XXXX consecutive late payments, and XXXX more this year. I paid all payments on time. XXXX never mailed or emailed me any information letting me know payments were late. I called several times to ask them to remove the erroneous info but they refused to do so. They have acted predatorily. According to them, a tax on the car ( not sure why I am responsible for paying it if its a lease and I dont own it ) was paid by XXXX because Massachusetts assessed a tax on it ( which I did not see/ get due to my address changing ). This then caused one payment to be late from my auto debit. Somehow they have marked every subsequent payment late even though it was on time. My credit score has been horrendously damaged going from XXXX down to XXXX. Please make XXXX tell the truth and fix this issue with the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M SUBMITTING A COMPLIANT REGARDING MY XXXX  XXXX XXXX XXXX CREDIT CARD ACCOUNT WITH A RECENT 30 DAY LATE REPORTING. I DON'T RECALL BEING LATE AND ACCORDING TO MY RESEARCH DEALING WITH LATE PAYMENTS, BECAUSE OF COVID 19 AND THE HERO 'S ACT, THIS SHOULD NOT HAVE BEEN REPORTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) i have attached copies of my id
Product: Student loan

I had gotten a XXXX loan and a XXXX loan through my school XXXX and began attending school in XXXX, graduating the following year in XXXX. From the word jump there has always been problems with XXXX/Navient. When I first set up the automatic payment that was free because there were added charges to doing it any other way, they would charge me 2 or 3 times the monthly payment. Then when I would contact them they would tell me that someone must have entered in a number wrong and they were sorry for the inconvenience. Over the next few months other things would happen like it did n't automatically make my payment and charge me late fees and their excuse was the same every time. They never once would return the late fees. For months it was problem after problem until I stopped the auto pay and began doing it myself but the issues did n't stop there. Issues would come up where they would switch accounts on their end so my payments were no longer being received and more late charges or they would change the amount of my payments so I was under paying and more late charges. All of these things would happen and there was never a warning or something to let me know that they were changing not even when they changed their name which guess what, it cause the payments to not get processed and I was charged late fees. When things were tough they would lead me into thinking that forbearance was just a freeze on my loans and would n't have a negative affect on me in any way and they never gave me any other options besides going into forbearance. I still have issues with them to this day and am sickened by how they conduct their business. I hope this lawsuit ruins them and those in charge see the inside of a cell. The payments I make are almost the minimum and they are still the highest monthly fixed price bill I pay besides the mortgage on my house.
Product: Credit reporting or other personal consumer reports

I am writing to you again regarding a persistent error on my credit report, in which late payments are inaccurately listed. I have previously filed a dispute concerning this matter, but the response I received was neither satisfactory nor conclusive. Furthermore, I have not been provided with any evidence that these late payments actually belong to me. 
The item in question is a late payment reported by XXXX for the account number XXXXThe late payment are reported dated XX/XX/year>. I would like to remind you that under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681i ), Equifax are required to thoroughly investigate disputes and correct any inaccurate information. Additionally, under the Truth in Lending Act ( TILA, 15 U.S. Code 1637 ( b ) ), creditors must ensure that information about the terms of credit, including payments, is accurate and correctly reflected.

Moreover, under 15 U.S. Code 1681s-2, furnishers of information are obligated to ensure that the data they report to credit agencies is accurate. The incorrect late payments should be removed from my credit report, as I have no evidence indicating that these payments actually correspond to my account. 
Therefore, in accordance with the laws mentioned, I demand the following : A new and thorough investigation of the late payments on my credit report, followed by correction of any inaccuracies. 
The immediate removal of any late payment entries that are incorrect or unjustified. 
The provision of verifiable evidence proving that these late payments belong to me, should they not be removed from my report.
Product: Debt collection

Halsted Financial Services calls me several time a day from various numbers XXXX is the latest, they threaten to have me arrested for a debt i know nothing about.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion credit report agency is not removing this public information ( Bankruptcies ) off of my account. I contacted the actual company and they told me they dont verify no public records accounts so I dont know where they are getting their info from but it is not valid. Attached is the letter from the bankruptcy court saying that they do not verify information to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that my personal information and my credit file have been leaked. I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. Accounts US DEPT ED XXXX Balance {$730.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$6000.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$8100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$4900.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$2300.00} Date Opened : XXXX US DEPT ED XXXX Balance {$5200.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$3900.00} Date Opened : XX/XX/XXXX Inquiries XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct 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 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 applied for PayPal credit card and was denied because XXXX insists that I closed a previous account with PayPal in XX/XX/2010. I did not have an account with them at that time. I've called several times over the past couple of weeks and they have not returned my calls. They maintain that this matter is closed.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX  XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX, and so on.
Product: Debt collection

I have been an account holder with Navy Federal Credit Union for almost 10 years. I did fall on hard times and I was unable to satisfy a credit card with Navy Federal which resulted in a charge off. This happened quite sometime ago, I would say XXXX time frame. I received notice from a debt collector stating they had bought my account from XXXX XXXX, and I needed to work with them in regards. Today XX/XX/2022 Navy Federal took {$470.00} from my checking account without notice and when I called to discuss, I was met with accusatory language, and was advised there is nothing they can do, as this debt is owed and they can take it as an offset. So I am almost positive that they are not able to do this for an almost 7 year old credit card account as I should be a protected consumer. I know for a fact I am not the only one they are doing this to, and I will not go delinquent on my personal mortgage or car payment because Navy Federal decided they were taking my funds whenever they wanted. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted multiple disputes and an FTC report for a fraudulent account on my credit reports. 

Experian & XXXX - XXXX XXXX XXXX {$38000.00} The balance keeps increasing every month. I never lived here!
Product: Credit reporting

We had no hot water in the kitchen to properly clean our dishes. This went on for 1 1/2 months. And we had no heat in our apartment which caused us to live in our bedroom with XXXX portable heaters that we purchased. Per Kentucky Tenant Code KRS 383.545, landlords are required to supply these to all tenants which they did not. So we initiated our right per KY law KRS 383.625 to terminate our lease. We sent a certified " XXXX '' letter to the landlord explaining our reason for terminating our lease. We paid the entire month of XXXX 2015 and moved out XXXX XXXX, 2015. We only had 1 month left on our lease which was XX/XX/2015. Our rent was {$1000.00}. We lawfully terminated our lease and they 're trying to collect a debt we do not owe.
Product: Vehicle loan or lease

I canceled autopay before the payment was to process ( auto loan through USAA ) and submitted a payment using a different bank. USAA took the payment from the old account ( I am trying to close out ) and the payment I made from the new bank. 

I called and USAA stated the reversal could take XXXX weeks or more. I asked for an escalation as this caused a negative balance ( I have overdraft protection on the old bank ) they asked me to submit a bank statement showing the loan payment was made. I did submit the bank statement along with a screenshot of the negative balance. 

I moved money to my old bank so that other my account wouldn't be overdrawn while USAA was reversing the payment. USAA then reversed the payment, then USAA charged that same old account again, as of XX/XX/2024 causing the account again be overdraft as I used that back for other matters to reduce the balance because I am no longer using and adding funds to that old account which is why I canceled the autopay in the first place. 

I asked several times to speak to management about this but a rep named XXXX refused to transfer me and keep saying let me try, but she then just proceeded to say give it another week. The payment from my new bank cleared last week and yet USAA refuses to reverse the additional payment
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr. XXXX and similar situated consumers or Armed Services employees, has or having been subjected to Title 42USC 601 ( b ) is not positive law or enacted into congress and does not provide unwed mothers any entitlements or unenforceable rights. XXXX XXXX XXXX having been unjustly enriched from this criminal act, admonition use my confidential and personal information to obtain benefits or use XXXX services to date. XXXX entered in agreement with mother [ enjoiner ] in money mach ( " collectively '' ) to extort undue monies from uniformed personnel while defending the country. Courts having examining the material facts, mother conspired or acted with conspiracy with magistrate officer as body or corporation entering defective motion in bad faith, motive Office of Child Support to received and maintain federal funding. Courts shortly or directly after discovery previously reporting to ( OIG ) for  Fraud, Waste and Abuse provided Mr. XXXX a refund check of {$600.00}, obligated to maintain as part of agreement in disgorgement of funds and declaratory relief.
Product: Credit reporting or other personal consumer reports

XXXX is reporting an illegal late payment- the amount was current during the CARES ACT FCRA accommodation period, was granted an accommodation, then caught up payments and paid off account. They still show 30 days late payment. 

On XX/XX/XXXX, the president signed the CARES Act into law, which among other things, provides new consumer protections to consumers impacted by the COVID-19 pandemic. 
Section 4021 of the CARES Act amends the FCRA by adding a new subsection ( F ) to Section 623 ( 15 U.S.C. 1681s-2 ( a ) ( i ) ) to the reporting obligations of creditors that provide an accommodation to consumers affected by COVID-19 who have requested accommodations during the covered period of the COVID-19 pandemic. The covered period began on XXXX XXXX, XXXX and ends 120 days after the later of ( a ) enactment of the CARES Act ( i.e., XX/XX/XXXX ) or ( b ) termination of the presidents COVID-19 outbreak national emergency proclamation. 

CARES Act offers the following protections : If the consumer was current on an obligation at the time of an accommodation approval, the account must be reported to CRAs as current if the consumer is complying with the accommodation agreement. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( I ). 

AND If a delinquent consumer manages to catch up during the accommodation period, the creditor or other furnisher must then report the consumer as current. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ). 


Further I have attempted to resolve this multiple times with XXXX, transunion and XXXX. In XX/XX/XXXX, I disputed this and asked for verification my late payment did not met the CARES Act FCRA amendments
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported.

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit reports. Please be aware, XXXX  has already deleted this account as it was in violation. You can not report an account that you have no legal right to collect because, I do not have a verbal or original written contact bearing my signature with your company, giving you the right to collect. I have enclosed a snapshot of my credit report showing the reporting. 

Delete per violation, cause you have no legal right to collect because you do not have no original contract on file with my bearing my signature and please do not reply with copies of credit card statements, or copies of papers from third party carrier or original creditor, as this do not validate the right for you to collect, as this will  not hold up in court. 

Again, I do not have a written, or verbal contract agreement with your company. I did not sign a contact with your company to collect a debt.

Based on US contact law, I should only pay the original company and do not have to pay the collection agency. 

By law you must delete this inaccurate account from my credit reports because you have no legal right to collect. Please note, I will seek legal action for defamation, which is hurting my financial situation and causing me pain and suffering, this reporting as cause me to be denied of funding. For your records and proof, I have enclosed a copy of the credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. Its a fraud account and I do not know why Transunion puts this item in my profile. Its not fair and this influencing my life so much, you can not even imagine. I am not connected with this account. This account is not mine for sure. Please ask Transunion to make investigation why they are reporting fake information and I want this item to be removed from my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint on my owner behalf to address issues sighted on my credit report.
Product: Credit reporting or other personal consumer reports

This auto loan account was included in XXXX Bankruptcy and discharged on XX/XX/year>. The information being reported to the credit bureaus inaccurately reflects an open status and balance due. The Gramm-Leach-Bliley Act protects me from unfair practices of financial institutions. FCRA REQUIRES credit bureaus to report accurate and verifiable information. Because the information being reported is inaccurate, the consumer reporting agency and the furnisher of this information to the consumer reporting agency violates the FCRA. DELETE THIS ACCOUNT IMMEDIATELY
Product: Credit card or prepaid card

I applied for a credit card on XX/XX/2021. I got a email the same day about my application being on hold until they verify my information. I had to send over my Drive license and my social Security card I even sent my military id over as well. I got approval for my credit card they sent me my card with XXXX credit card limit. XXXX eve I used my credit card at XXXX. Then I used my credit card at the gas station, Yesterday I called Captial one to see why my mobile app wasn't letting me link my credit card so I can make a payment on my card after being transferred three times to be told my information doesn't match that my last four of my ssn doesn't match the account and they can't give me no info or even pullup the documents that I submitted with my information they restricted my credit card told me now I got to apply for a new credit card. I went rounds with them twice. They won't give me any info but yet I have a credit card now I can't use with a balance but yet want me to do a new application for another card meanwhile I have a chance of being denied because I already have a credit card with capital one that is now restricted and they can't locate these documents of mine with my drive license being out there and my ssn. i will take this as far as i need to take this so this never happens again to someone else.