23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently checked my credit report and noticed that Santander was reporting to XXXX  and XXXX. Previously I disputed this information with XXXX because I was not sent a certified letter ( ever ) or served with any letter letting me know that I had the option to buy back the vehicle or be set up on a payment plan. I was not given any notice of sale letting me know when and where the vehicle would be sold in order to redeem the vehicle. I was never given a post notice of sale of deficiency explaining that there was any adverse action or balance due. My rights were completed violated and Santander has never contacted me about this matter. I just stumbled upon it when I was looking into my credit report due to hearing about company breaches.

The information I was able to gather from my credit report is that the car was set for repossession XX/XX/XXXXin California and sold XX/XX/XXXX. Under the laws of the state of California UCC 9.506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Since I never received any type of notification this is in clear violation of my rights. This item was removed by XXXX  due to a dispute and it needs to be removed from both XXXX and XXXX as well.

There is another issue that I am seeing is that the reporting company Santander Consumer USA originally listed the past due amount as {$5900.00} in XX/XX/XXXX and this amount has increased incrementally since then to the total of {$9100.00}. I still have not received any verifiable information from the company about this and neither has XXXX.

I am requesting that this account be deleted because no copy of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle has been provided. The alleged claim of a deficiency and any continued collection activities, or continued reporting of this invalid claim on my credit reports is a clear violation of the FDCPA and FCRA.

Please help me.
Product: Credit reporting or other personal consumer reports

i live in Florida i have a heloc with ta company name SHELLPOINT XXXXXXXX XXXX XXXX XXXX XXXX XXXX last year Florida got 2 mayor hurricane and I was impact my house got damage i call SHELLPOINT and they said because i was in disaster zone i don't have to make payment on time they not going to report or damage my credit for 3 months XXXX XXXX, but i have to make my payment before XX/XX/XXXX, i XXXX all XXXX payment XXXX before the XXXX and now is showing and all XXXX bureau the I'm 90 days pass do even in XXXX they showing late pass do i call for 2 month each day and all the say is they are working in it
Product: Credit card

I closed my Chase business credit card account ending in XXXX for my business named XXXX XXXX XXXX on XX/XX/XXXX at the Chase branch located at XXXX XXXX XXXX, XXXX, XXXX  XXXX at which time I was advised by the personal banker that I just need to continue paying the balance without interest. 

Recently, I accidentally realized that this credit card account has accumulated the interest of {$1500.00} for the year of XXXX. 

I called the Chase customer service on XX/XX/XXXX trying to figure out why this credit card account was charged for interest. The customer service representative told me that they started to charge interest since XX/XX/XXXX when the 0 % APR period ended. However, I did not receive any notification in any format ( mail, email or text message ) that informed me for the conclusion of the 0 % APR period. Also, since this credit card account was already closed, I was unable to see any statement or notifications from the online banking. 

On XX/XX/XXXX, I made a full payment of the balance due which is {$13000.00} over the phone. Upon my request, the customer service representative made a request to reverse the past interest charged, but that request was denied. Additionally, I asked customer service representative to send me a confirmation email for the full payment I made on XX/XX/XXXX to the email address they have on file and she said she would do it, but I have never received a confirmation email. 

On XX/XX/XXXX, I received another statement showing this closed business credit card account was again charged for another interest of {$140.00}. I called the Chase customer service again on XX/XX/XXXX and was told that the balance I already paid off was still subject to the interest. Then I paid off {$140.00} over the phone. Again, my request for reverse of that interest was denied. I also asked customer service representative to send me a confirmation email for the payment I made on XX/XX/XXXX to the email address they have on file and she said she would do it, but I have never received a confirmation email. 

I feel its really unfair. As a consumer, I am not supposed to pay for what I had no knowledge of. The interest charged by Chase that the consumer had never been informed is apparently an action of taking advantage of the consumer. 

I would like to request for a full refund of the total interest charged by Chase for my closed business credit card account which is {$1600.00}.
Product: Checking or savings account

I opened an account online with Truist Bank on XX/XX/XXXX. On the XXXX they sent 2 notices saying my account was being closed so to items from XXXX XXXX report. It stated that I could call and get my funds in the account from the branch. I called and spoke to their fraud department on XX/XX/XXXXXXXX  and they said I they couldn't tell me why the account was closed, but that I could go to the branch and get my funds that were in the account. I have went on Saturday the XXXX and Tuesday the XXXX and they said they couldn't give me my funds without approval. XXXX XXXX the team leader at the XXXX branch in Virginia told me that they started a case and I could come back in 2 days. I returned on XX/XX/XXXX, to be told that I was still not allowed to receive my funds. And then they stared the case just then. Every time I come in, there is no notes and I am left to start the process over. The 2 letters state I can receive my funds at the Branch yet they refuse to give me my money. Please make the bank follow the law and give me back the funds that were in the account when they closed it on XX/XX/XXXX. It has been 31 days and I am not allowed to receive money I deposited into the account before it was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/20 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/20 XXXX : XXXX XXXX XXXX XXXX  XX/XX/20 XXXX : XXXX XXXX XXXX XXXX XX/XX/20 XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XX/XX/20 XXXX  : XXXX XXXX XXXX XXXX XX/XX/20 Experian : XXXX XXXXXXXX XXXX XXXX  XX/XX/20 Experian : XXXX XXXX XXXX XXXX  XX/XX/20
Product: Credit reporting or other personal consumer reports

I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX XXXX 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I signed up for XXXX treatments and booked some appointments. I did a payment plan with a third party to help me pay for it. A few hours later i decided to call and cancel all services due to personal reasons. The manager was telling me that I could not cancel it because of the third party and because there is no refund. I have asked her to give me the number of the third party so I can call them and explain to them the situation but she told me that she had no idea who the third party was. The manager then told me that she could cancel all appointments but that the third party was still going to bill me either way. I had to wait for the third party to mail me a bill so I could call them and explain the situation. The third party explained to me that it was too late because they have already sent over the fund, that the only way they will stop sending me a bill is if the XXXX XXXX company would send over an email explaining that I've canceled all services. The third party sent over a few emails to them for months and still no response. I even contacted them a few times and no results. I've been dealing with this for months and it is affecting my credits and I am not paying for something that I did not get any services from. On XX/XX/2018 I filed a compliant with the XXXX XXXX XXXX. They tried to reach out to the XXXX XXXX store in XXXX Ma but no response from them.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXXXXXX ( VIN # XXXX ) in XX/XX/XXXX. I never received the title. I spoke to Kia after the odometer paperwork was filled out and they said they sent it. Yet, I never received it. I went to the DMV with the Bill of Sale and was informed they needed a title. I contacted Kia again and they sent me a letter stating they no longer had an interest or title of the car. I returned to the DMV and they informed me I still needed the title. I contacted Kia again and they said I needed to request a duplicate title from the DMV. I went to the dealership and they suggested asking Kia for a duplicate title or returning to the DMV. I returned to the DMV and they said the title is still in Kia 's name so Kia needs to provide the title. I am now one year in after paying nearly 21K for a car and Kia has yet to provide me a title.

A complaint was filed with the CFB to which the company responded that they would request a duplicate title and send it to me. 

That has still not happened.
Product: Checking or savings account

Tried to open an online savings account with Vio Bank on XX/XX/2022. Declined. Called customer service number provided. Would not provide a reason for decline. Escalated to manager level. Received similar response -- could not provide reason for decline, despite my request for one. Also, asked for compliance group number for further explanation and written response for why account declined -- would not provide either. Given this, asked they document my conversation and save recorded conversion with representative / manager for future reference. My credit/ financial history is pristine so seems like there is another factor at play here, possibly outside the bounds of ordinary business practices. 

Also, had contacted representative prior day due to technical issues ( proxy errors ) in submitting/ processing my application. This representative was very helpful and understanding, reviewing information and possible issues. Representative suggested reapplying later that day and, if encounter same issue, try again the following day, which I did and prompted call to customer service noted in prior paragraph. At this point, application was in submittal / processing stage.
Product: Credit reporting or other personal consumer reports

My account with XXXX AND XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was

never provided. This is unfair, illegal, fra
udulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against XXXX XXXX XXXX XXXX XXXX. My identity was stolen and I have made XXXX XXXX XXXX XXXX XXXX  that my identity was stolen and that the charges made on my account are not me and therefore needs to be corrected.
Product: Credit reporting or other personal consumer reports

I have requested a XXXX From XXXX XXXX XXXX, XXXX XXXX XXXX and kickoff XXXX XXXX so that I can file it on my taxes since they have written of the alleged debt and reported it on my credit report, however they wont send me the XXXX Document. XXXX is reporting my account to the consumer reporting agency but they sold my account to third party debt collector, this account is indisputable it must be deleted. Also I requested XXXX XXXX to validate the alleged debt and all they sent was statements. Theyre required by law to send me the validation procedure according to XXXX XXXX section format and XXXX XXXX failed to do that. I am demanding these accounts to be deleted. Thank you.
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  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is continuously furnishing false information to my credit report intentionally tarnishing my reputation. 

On XX/XX/2023 I called TransUnion to inform them XXXX XXXX XXXX account # XXXX ( account ) is a fraudulent account. The agent told me the investigation would be launched into the account and to send in any proof I had. That same day I mailed the company a copy of the original contract, a letter from the XXXX XXXX XXXX stating the original creditor of the account refused to go to arbitration and a letter requesting TransUnion remove this account. 

The account should not be on my credit report. The contract I had with the original creditor is fraudulent. It was altered without my permission and the company is completely ignoring me. They are refusing to go to arbitration and will not answer any correspondence. 

TransUnion did not perform an investigation or reply to my letter. I sent another letter certified USPS mail tracking # XXXX. This letter reiterated everything I had stated on the phone with the agent and everything that was in both letters. See Exhibit A I have yet to receive any response from TransUnion and the account is still on my credit report. I can not find a place to live because of this. TransUnion is causing extreme stress and anxiety. I have no idea what I am going to do or where I will be living soon. 

I have exhausted all options to remedy this with TransUnion without legal measures but it seems I have no choice. This will be my final attempt before proceeding to federal court.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I disputed a tradeline from XXXX  XXXX XXXX with Transunion on XX/XX/2020 that came back verified XX/XX/2020 from Transunion. On XX/XX/2020 they received another letter asking for method of verification ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). ).  Transunion failed to provide this within the 15 day time period. FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
Since Transunion is now in violation of the FCRA, I am reaching out to your agency to see if we resolve this with the tradeline being deleted due to improper investigation if one even happened at all, Incorrect information reporting and Transunion failure to provide method of verification in a timely manner. If we are unable to resolve this and get the tradeline deleted I will be forced to file a suit against Transunion. 
All supporting documents have been attached
Product: Debt collection

NOTICE OF XXXX XXXX SEEKING RELIEF AND XXXX XXXX UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach and I have had multiple inquiries and accounts opened since XXXX I reported the problem and still nothing has been removed.
Product: Debt collection

I lost my job several years ago and got behind on my Sears/Citibank account. They were charging so many late fees and additonal fees that I could n't bring my account current. They sent the account to several collections companies, and now filing a judgement to sue me. My information has be shared and sold to several collections companies, that I do n't know who actual has my account. A person came to my home when I was n't present to serve me court documents, I asked my maintenance man to tell them to send it certified, they stated it must be hand delivered. I need help with this that I can respond to the court/judge, but do n't have anything or anyone to contact.
Product: Debt collection

I filed a TILA complaint in Fl. state court in XX/XX/XXXX. 
Case XXXX in the Fl. XXXX Circuit. 
GMAC [ non lender or creditor responded without evidence to do so. 
Attached is what OCWEN is trying to do AFTER the XX/XX/XXXX Consent Order.I have tried to get someone from your office to do an XXXX XXXX. XXXX XXXXXXXXXXXX
Product: Debt collection

I was contacted by Southwest Credit to pay a debt I did not owe from XXXX. I contacted XXXX and they refused to remove the information from the report. I contacted the debt collector Southwest Credit as well, and they said " my account was locked '' and were unable to verify the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've contacted all 3 credit bureaus by mail, online, and over the phone to dispute inquiries on my credit reports. I 've put a fraud alert on all 3 as well. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX/XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTING XXXX, XXXX   AND EQUIFAX BECAUSE THEY HAVE INCORRECT PAYMENT HISTORY ON MY CREDIT REPORT ( LATE PAYMENT ) I SPOKE TO REP AT XXXX XXXX   TO DEFER MY PAYMENTS FOR XXXX, XXXX THIS SHOULD NOT BE REPORTED AS LATE BECAUSE OF COVID 19 ( XXXX XXXX ) ACCOUNT NUMBER XXXX PAYMENT PAST DUE FOR THE MONTH OF XXXX, XXXX AND XX/XX/2020 ALSO THE BALANCE IS INCORRECT ON THIS ACCOUNT I RQUESTED FOR A PAYMENT TO BE DEFERRED BECAUSE OF THE COVID 19
Product: Debt collection

PARTNERS FINANCIAL SERVICES, INC ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX Re : Alleged Original Creditor : XXXX XXXX XXXX Alleged Original Creditor Account Number : N/A Debt Collectors Account Number : XXXX XXXX Alleged Debt Amount or Balance : {$7900.00} Dear PARTNERS FINANCIAL SERVICES, INC : I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. I request verification of the alleged debt. Specifically, I request the following items for verification : ( 1 ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( 2 ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( 3 ) ( Audit Trail ) evidence and itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me. You are illegally attempting to collect the subject alleged debt because I do not owe that amount. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of  the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.