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

I currently have XXXX open car contract with Santander Consumer USA : Acct # XXXX I contacted Santander Consumer USA between XX/XX/XXXX and XX/XX/XXXX of 2023, to notify them I am Revoking All Security interest in my XXXX car contracts they currently have. I also revoked all interest for additional contract agreements pertaining to the XXXX car contracts, such as, Insurance, and maintenance etc. I sent XXXX signed and stamped Certificates of Indebtedness to XXXX XXXX XXXX ; Legal Counsel for Santander Consumer, at their office in Texas and XXXX copies of the certificates of indebtedness to XXXX XXXX XXXX, who I believed to be the Indentured Trustee for Santander Consumer USA. Neither have answered me to date. I also sent an additional correspondence to XXXX XXXX XXXX recently and maybe he will answer my real concerns. I have proof of delivered service for each gentlemen. My intention was to submit an option for payment of the current car contract, discharge the debt and to notify Santander Consumer of their dishonest, false and misleading terms contained in the contractual agreement. I submitted a payment option and the option was not accepted, so the debt is discharged. I received a response from a customer service representative, no specific person for me to address, who stated all request from me were denied. The customer service representative also told me I had a " No Cooling Off Period '' clause in my contract, however, according to the Federal Trade Commissions Trade Regulation Rule 16 C.F.R. 433.2 commonly known as the Holder Rule 1 does not limit a consumers right to an affirmative recovery to circumstances where the consumer can legally rescind the transaction or where the goods or services sold to the consumer are worthless.

For this customer service Rep to tell me I can not Rescind my irrational decision to allow Santander Consumer USA to have security interest in my car contract and collect all the proceeds derived from my contract is against the law. Santander Can not come and Repossess my car as they presented me with a XXXX way contract, where they give the consumer who can not afford to buy a car with out financing no other option. Because, if the consumer does not give them security interest in the certificate of indebtedness, then the consumer has no car. The car is not the " Security Interest '' my certificate of indebtedness, is the " security interest ''.

Santander Consumer is guilty of disclosing my private and transactional information to third party creditors and violating my consumer rights among several other violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXt Account # s, XXXX - XXXX XXXX ; XXXX - XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

The servicer denied the assistance application which includes a XXXX XXXX XXXX Grant towards arears, keeps tacking on thousands more in bogus fees to prevent me from keeping the home. They didn't even look at the assistance package with the grant money.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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: Student loan

1 year ago I was approved for a income based repayment plan on my old student loans through navient. Navient informed me my payment was {$0.00} for the next year. Since this time I have been paying {$10.00} on my accounts and my balance has gone up alittle bit every month. At NO time did they ever state I had to pay my interest or late fees of any kind. I found out that the {$10.00} is old late fees that they never informed me I had. When I called them today to figure out why this was they told me that the late fees are from XXXX of 2016 and that I was behind on paying my interest. The person I talked to was not very nice over the phone and when I requested someone to help resolve this issue got transfered to the main line with a 30 min hold time. I requested a call back again and when they did I was put on hold again for a long period of time before I had to hang up do to other business I needed to take care of. I feel navient misinformed me through this process and did not disclose all the information needed so they could collect illegal fees.
Product: Credit reporting or other personal consumer reports

Incorrect reporting or update of credit report of items that are incorrect.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the
name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may
furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Debt collection

I would like to start off by saying that NATIONAL CREDIT SYSTEMS INC is not licensed to collect debt in Louisiana. I have not consented to, authorized, nor benefitted from this account appearing on my credit report. National Credit Systems is using unlawful, extortionate means to commit abusive, deceptive, and unfair debt collection practices. I am not liable for this debt and I do not have a contract with National Credit Systems Inc. National Credit Systems has not provided me with the original trilateral contract as requested between I, the consumer, National Credit Systems Inc , and the original creditor, to show I have any contractual obligation to pay this alleged debt. I am demanding that National Credit Systems Inc cease all forms of communication with me through any and all mediums unless it pertains to my remedy. My credit report is also considered a medium. I am demanding deletion of collection tradeline from all consumer reports.
Product: Credit reporting or other personal consumer reports

There are errors in my credit profile, which is an unfair treatment towards me. I kindly ask that you examine this problem and make the necessary corrections. I am fed up and tired of these matters, and if there are no updates on my inquiries, I will have to resort to legal means.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding Bank of America. BOA still shows 30 day late payment in XX/XX/XXXX. 
The payment was made via phone via auto bank account withdrawal. 
i personally called BOA via their XXXX XXXX # and made the payment via phone as i did every time. 
I had this credit card since XXXX and made every single payment on time for 12 years. 
i requested my phone XXXX and XX/XX/XXXX records from 6 years ago and they clearly show the XXXX XXXX # called timely. I do not why the payment did not go through is it that impossible to believe a computer error occurred.. i made timely payment for 12 years. 
This late payment is the only negative mark on my credit. 
I have sent BOA he phone records. and even called multi times in vain. 
Instead of asking courteously and providing back up evidence, I should ask my 10 year nephew how to post on XXXX of my experience and how BOA really treats the customers and let millions of person truly know how they treat hard working honest citizens.
Product: Mortgage

Wells Fargo - A mortgage hold was requested due to financial issues resulting from COVID until XX/XX/XXXX. I have called the escalation department on average 2 to 3 times a week from XX/XX/XXXX to XX/XX/XXXX. I signed closing documents for a modification/HUD partial claim in XX/XX/XXXX. The process lagged, conflicting information constantly was received. In XX/XX/XXXX I paid my portion owed, all payments from XX/XX/XXXX to XX/XX/XXXX. I chose to refinance with another lender XXXX XX/XX/XXXX. Wells Fargo has given me and my new lender inconsistent information, dates and dollar amounts. Now it appears that they did not process the HUD partial claim because I am switching lenders. They are iabsolutely taking advantage of my situation because I have an FHA loan. Is there anyway I can get some type of assistance? As a small business owner and XXXX, this refinance is crucial to my success and being able to meet my basic financial needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

TU FOUND 7 DATA BREACHES ON MY ACCOUNT!!! 
HOW DOES THIS HAPPEN? 
HOW DO I PROTECT MYSELF? 
Should I freeze everything for eternity?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because I'm going through a really stressful time due to NCB Management Services , Inc.

I filed an arbitration case against NCB, who is reporting the account involved in this matter. NCB has refused to arbitrate the matter thereby violating the contractual agreement that was in place with XXXX XXXXXXXX XXXX XXXX XXXX  XXXX. ( the original creditor ). NCB Management Services , Inc. is a debt buyer, therefore they must honor the arbitration agreement that was originally signed with XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

The XXXX XXXX XXXX is about to close my case because NCB has not honored the filing fees payment. This means that every consumer that wants to open a legal action against NCB will not be helped. 

I want to request the CFPB to begin an investigation so this company does not continue to evade its responsibility to respond to arbitrations filed by consumers. 

I am attaching the proof of the case and the XXXX XXXX XXXX 's email in which they state the case was to be closed.
Product: Debt collection

There are numerous debts on my credit report from XXXX XXXX. The debt have been paid and are noted as a charge off. this is hurting my credit report. the accounts need to all be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX. I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XXXX XXXX, 2020 XXXX XXXX, 2020 XXXX XXXX, 2020 XXXX XXXX, 2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XX/XX/XXXXRECEIVED THE LETTER.
Product: Debt collection

I entered into a lease agreement with XXXX XXXX XXXX, which was prematurely terminated due to a violation of the Right to Quiet Enjoyment. Despite multiple attempts to resolve the issue amicably with the property management, the situation necessitated vacating the premises for safety and well-being. 

On XX/XX/XXXX, I submitted a Notice to Vacate, which was acknowledged by the leasing department on XX/XX/XXXX. Following another incident, we reaffirmed our decision to vacate on the same day. On XX/XX/XXXX, the leasing agent confirmed the receipt of apartment keys and acknowledged our departure from the unit. 

On XX/XX/XXXX, I received a move-out cost breakdown that did not accurately reflect the security deposit amount, which was significantly higher than reported. After receiving this, I made several attempts to contact XXXX XXXX for clarification. Calls were made on XX/XX/XXXX, and XXXX, with follow-up emails sent on XX/XX/XXXX and XXXX, XXXX. The leasing agent acknowledged an error with the security deposit amount during a call on XX/XX/XXXX, but no further clarification was provided. 

The next correspondence was a bill from IQ Data International on XX/XX/XXXX, which included charges that were inconsistent with the initial move-out breakdown. I disputed this collection and requested debt validation on XX/XX/XXXX. The response from XXXX XXXX on XX/XX/XXXX, was unsatisfactory, providing an XXXX spreadsheet without proper validation of the alleged debt. 

Despite these efforts, the debt was reported to credit bureaus, affecting my credit score. I have made numerous attempts to resolve this issue directly with the property management and the collection agency, including 14 calls to IQ Data on XX/XX/XXXX, which were met with repeated hang-ups and a lack of cooperation. 

The collection agency has not provided adequate debt validation, has reported the debt without proper notice, and has failed to investigate the dispute thoroughly. This has resulted in an unfair credit report entry and continued attempts to collect a debt that is not accurately validated. 

I seek the removal of this collection from my credit report and cessation of collection attempts until a thorough and fair investigation is conducted, with proper validation of the alleged debt provided.
Product: Credit reporting

I have informed Experian that I was never late on XXXX from XXXX to XX/XX/2015. Please move these late reportings from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian several weeks ago via their number XXXX. There are 9 new hard inquiries on my account, none of which I gave consent for. I am trying to improve my credit before applying for a mortgage this summer so I know I haven't authorized a single credit inquiry. I put a fraud freeze on my three accounts but after contacting each of the hard inquiry companies ( XX/XX/XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX ; XX/XX/XXXX : XXXX ; XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX and contacting Experian again and putting a freeze on my account they haven't frozen my account OR removed the hard inquiries.
Product: Debt collection

I was served with a a motion stating that Midland Credit Management is suing me and I have no idea nor recollection of these alleged debts that they claim I owe them. This has put me in a catatonic state of grief because I do not have any business dealings with Midland Credit Management. I am asking for this company to provide me with validation of these alleged debts and I am asking for contracts that I have with Midland Credit Management because I have not done any business with them.
Product: Credit reporting or other personal consumer reports

According to my credit reports there were XXXX credit cards and a derogatory mark that were affecting my credit. 
On XX/XX/XXXX a XXXX XXXX  ( XXXX ) was opened with a outstanding balance of {$2300.00}. The current status is charged off. 
On XX/XX/XXXX a XXXX XXXX XXXX account was opened with a outstanding balance of {$1400.00}. This is now a derogatory mark on my report! 
On XX/XX/XXXX a XXXX  account by XXXX XXXX XXXX was opened with a balance of {$20.00}. This account is now charged off. I have submitted multiple complaints about these incorrect reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020, MY XXXX  AND TRANSUNION SCORE DROPPED 191 POINTS DUE TO XXXX   REPORTING THAT MY ACCOUNT WAS 60 AND 30 DAYS PAST DUE, THEY REPORTED TAHT I MISSED TWO PAYMENTS, THAT IS NOT TRUE, I RECEIVED MERCHANDISE THAT WS BROKEN BY THE DELIVERY DRIVER, I CONTACTED XXXX AND WAS TOLD NOT TO MAKE A PAYMENT UNTIL THE FURNITURE WAS FIXED, I SPOKE WITH XXXX ON XXXX, SHE INFORMED THAT THE CREDIT DEPT WSA CLOSED AND THAT SHE WOULD SEND THEM AN EMAIL SO THAT THEY CAN CONTACT ME, I SPOKE WITH XXXX XXXX ON XXXX SHE ASKED THAT I FILE A DISPUTE WITH THE CREDIT BUREAUS SO THAT IY COULD BE ESCALTED XXXX THEIR CREDIT DEPT, SHE TOLD ME THE ONLYWAY FOR THEM TO REMOVE THE MISSED PAYMENTS WAS TO FILE A DISPUTE, I RECEIVED ANOTHER PHONE CALL ON XXXX FROM XXXX XXXX SHE INFORMED ME THAT SINCE ITS BEEN THREE MONTHS AND THE FURNITURE COMPANY HAS NOT FIXED THE BROKEN MERCHANDISE THAT THEY WILL EXTEND THE 90 DAY SAME AS CASH TO AN EXTRA 30 DAYS SO INSTEAD OF BEING XX/XX/XXXX THAT THEY WILL GIVE US TO XX/XX/XXXX TH XXXX TO HAVE THE 90 DAY SAME AS CASH, SHE ALSO INFORMED ME TO FILE A DISPUTE WITH THE CREDIT BUREAUS AND ONCE THE DISPUTE IS RECEIVED TAHT OKINUS WOULD APPROVE THE DISPUTE AND THE LATE PAYMENTS WOULD BE REMOIVED.
Product: Credit reporting or other personal consumer reports

The account is XXXX this account has been proven to be inaccurate. I have mailed as well as emailed the complaint on CFPB. Yet Equifax has yet to remove the trade line and its negative account history from my credit report this is highly frustrating and there lack of getting it removed is ridiculous. This has been a battle for years. Along with XXXX. XXXX did there job immediately and had it removed.
Product: Debt collection

Original Creditor XXXX XXXX XXXX hospital for emergency room visit XX/XX/2016. Turned over to collection agency Radius Global Solutions. Amount of debt {$320.00}. Military retiree XXXX XXXX  payed for this service and informed the hospital that I didn't have to pay out of pocket, because they are a XXXX network provider. Now 3yrs and 8mos later this same bill that was payed by XXXX XXXX military retiree 3yrs and 8mos ago shows as a collection on my credit report and drop my credit score 30 points. If this debt hadn't been payed wouldn't it had gone to collections and reported to credit reporting agencies way before now. I served my country for 20yrs in the military and I don't deserve to be extorted by America greed.
Product: Debt or credit management

I have been getting harassed for 2 years by extremely rude and cold people that call to make me pay a balence in full. After I received multiple texts from a different number saying I can negotiate less and or get XXXX XXXX off. I picked up a phone call today and I dont recall the employee saying his name but he immediately told me I have a balence and I asked him if I were to pay is there a payment plan available and he said yes and he said something about will I have to pay today and I said I cant pay today but if and when I get the money to pay then Id call back and he said if I didnt have the money why would I ask for a payment plan, and it went downhill from there! Because when I talked to them 2 years ago they said they dont have payment plans id have to pay in full. He was angry by this point and getting aggressive and yelling at me saying saying that he gave my 2 years to pay and I havent tried and asking me what am I doing with MY money and trying to tell me what to do going back and forth with me with an attitude and he also said that now I will never get a payment plan and that I would HAVE to pay in full if I want it removed and to have a nice time finding a place to stay. His demeanor and customer service was so disgusting and mean hearted, XXXX not sure why he got so upset but he definitely didnt have to go to that extent in which prompted me to file a complaint!
Product: Credit card

I have had this credit card for many years and it has had nothing h it problems. I called customer service repeatedly first : for the card never working, it always flags and the payment doesnt go through. But the main issue I have is I can not log in from overseas to make my payments. I work in XXXX XXXX and when Im there I can not access to pay my account on the website. It doesnt work the same at the card does t work. I was flagged for a late payment for one missed 30 days. I couldnt make my payment and the company sent this to my credit report. I went from an XXXX XXXX XXXX to a XXXX over this one payment. OVER XXXX points. I have never been flagged in my credit for anything like this. I am asking this be fixed as I literally couldnt make my payment. I am asking the late report for 30 days to please be removed and reversed as well.
Product: Debt collection

Hunter Warfield is attempting to collect a rental debt of {$6500.00} that I do not recognize. The documentation provided by Hunter Warfield includes a lease agreement containing only initials ( " XXXX '' and " XXXX '' ) rather than my full legal signature. I believe this is insufficient to verify my responsibility for the debt. 

Additionally, the move-out bill they provided lists {$1500.00} in damages, but the total debt they are reporting is {$6500.00}. This significant discrepancy raises concerns about the accuracy of the debt. Specific charges such as trash removal ( {$260.00} ), unauthorized pet XXXX ( {$260.00} ), and cleaning fees ( {$320.00} ) have not been properly justified or supported with documentation. 

I have requested validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). To date, they have failed to provide clear evidence, such as a fully signed lease agreement, a detailed breakdown of charges, or proof of their legal right to collect this debt.
Product: Checking or savings account

I called Wells Fargo customer service between XXXX and XXXX pt, on Thursday, XX/XX/XXXX. 

I told the lady that my bill pay check has not arrived, on time. 
Check # : XXXX Reference : XXXX Send date : XX/XX/XXXX Expected delivery : XX/XX/XXXX She began describing how hard it is to hear, and refused to talk to me. 

I hung up the phone. 


Also, my balance, for Account XXXX, XXXX XXXX, had 6 or so overdrafts that occurred. 

A purchase {$100.00} at XXXX XXXX caused that negative balance, which occurred before an alert was sent, that I have 24 hours to bring my balance above XXXX dollars. 

This - {$110.00} balance, caused numerous other overdrafts to occur, while all transactions, had already been made in person, using my Card XXXX, and I had a positive balance positive balance. 

I never made any transactions that went into a negative balance. 

These transactions were made after a Deposit from XXXX, {$1000.00} on XX/XX/XXXX. ... thru XX/XX/XXXX.