23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I continually am getting calls from a debt collector on payments that I do not owe. The company is claiming to be Credit Systems International and calling from XXXX.
Product: Vehicle loan or lease

Notice to agent is noticed to principle, notice to principle, is noticed to agent. 
This is to inform the CFPB that for the past five months Since the month of XXXX and to present day I am still Waiting for Santander Consumer USA to provide me with a signed invoice and a XXXX XXXX Contract The company has denied and refuse to provide me with that signed invoice. And since the company has not addressed my issue, I have asked Santander to set off the account. It seems like the company has no interest, but only to damage the consumer. So, I am taking the time to write another dispute and to settle this account, With XXXX Right of rescission. My decision Is because the company believe that I am dissatisfied with the vehicle. My understanding when I signed that contract with, XXXX XXXX XXXX I did not know I was signing A contract four Credit. I will Be sending A letter Certify mail of my right to Rescission on the date of XX/XX/XXXX I have tried to come into an agreement and keep this account in honor and just to let Santander consumer USA know how can you be satisfied when doing business with a dealership and a bank that likes to commit fraud, to consumers I suggest going back in XXXX when the company committed fraud in the state of XXXX Texas and just because I am a lawful consumer I gave Santander a chance to conduct business if Santander believe the disinformation is inaccurate I suggest searching on the CFPB XXXX Santander consumer USA and there you will see all the fraud you have committed, now you can ask me if I am dissatisfied, your answer couldn't be more clear. nice doing business with you and XXXX bless you and can your company provide the consumer what he's requesting, and your problems will be solved if you feel confused of what documentation I am requesting you should look into your books. And if you feel confused, you should ask XXXX XXXX XXXX, and also just keep in mind in this contract I have an arbitration claw with XXXX XXXX XXXX not Santander consumer USA, those attachments will be under this description giving in this portal thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that you, TRANSUNION, a consumer reporting agency pursuant to 15 U.S.C. 1681a ( f ), has violated my rights as a consumer, a natural person pursuant to 1692a ( 3 ) and has furnished information without my written consent, pursuant to U.S.C 1681b ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX from XXXX to XXXX and was swindled like many of the victims of Corinthian for-profit schools that stole millions from students. There are STILL ongoing lawsuits around this issue and settlements have already been made as reported by many mainstream sources such as here : https : XXXX the 3 credit bureaus CONSISTENTLY ignore letters around removing these student loans off my credit report on the basis of 1 ) ongoing litigation, 2 ) fraud and 3 ) deferment due to litigation. 

XXXX is a culprit in this issue as well, as they consistently ignore letters and simply BUMP the loans every single year ( literally every 365 days ) into deferment due to numerous reasons, the latest reason being COVID. 

PLEASE GET THESE FRAUDULENT LOANS OFF MY CREDIT. As the secured party of the debtor of these loans, we will hold all appropriate companies responsible.
Product: Credit reporting or other personal consumer reports

These are unauthorized inquiries ( XXXX XXXX ), which I have not approved or given written permission to furnish in my credit report.
Product: Credit reporting or other personal consumer reports

The company has approved a charge card without my approval, drivers license and signature, they do not have my mailing address and gives approval for someone of similar identity to open accounts and report derogatory information on my personal credit without my knowledge! These fraudulent people have opened charge account using XXXXXXXX XXXX and all three major bureaus have reported inaccurate information. Please remove charge cards from my personal credit file.
Product: Debt collection

HARVARD COLLECTION SER accounts # XXXX Balances {$910.00} This account is not my responsibility. You belong to my medical insurance, please make a more thorough investigation and I have communicated directly with my medical insurance which has notified me that this debt is not my property ... please I need a resolution immediately ... .. I request all negative action in my credit report be corrected, eh deleted. Any kind of balance please contact, directly ... with the medicare office they are available ... thank you very much I hope solution immediatel
Product: Payday loan, title loan, personal loan, or advance loan

I was behind on some payments, so I created a payment plan to catch up. The first payment went through but then afterwards they started calling me again saying I needed to work with them to catch up on payments. Well, I already did this but for some reason my payment plan seems to have been cancelled by them? What is the point in trying to work with them when they don't honor their payment plans. 

Second of all, they call multiple times a day, both my personal phone and work phone. It's to the point of harassment. Now they have started calling other departments in my place of employment asking to get in contact with me. This is completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed this account before and it was removed then put back on my credit. I called this company to show proof of the account being mine like providing a signed contract with my signature.
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX of California processed duplicate ( sometimes triplicate XXXX claims due to processing errors. A claim was paid, then the duplicate went out without member receiving a second reimbursement. This duplicate claim was pegged as an overpayment in error. Member called customer service back in XXXX 2015, and claims were reviewed stating that member did not owe anything to XXXX. Member, also, has called XXXX several other times due to phone calls from Lamont Hanley to confirm that member do not have any overpayments. Lamont Hanley has been calling member trying to collect a payment that I do not owe. I have called XXXX several times about this erroneous claim and they agree that I do not owe any overpayment, but Lamont Hanley is relentless in calling harassing me for a bill I do not owe. Just two hours ago, I received a call from this collection agency and informed them for the fourth or fifth time that I do not owe XXXX, but this time the rep kept arguing with me stating that " you do owe this bill. '' I hung up and called back and asked to speak with a manager of Lamont Hanley and informed him that his company has been harassing me for almost a year for a bill from XXXX that I do not owe. The manager asked for my phone number, and he confirmed that the matter had been cleared up with XXXX and that his reps will not continue to call. My concern is that this erroneous matter will end up on my credit reports.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX -- -- -- XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- TRANSUNION : 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I was shocked to discover inaccurate accounts on my credit report this morning and have no idea how they got there. I always check my report regularly, but this time, these discrepancies appeared out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but nothing changed. The incorrect accounts remained. This has left me deeply concerned, and Im requesting that the documents I've provided be carefully reviewed so I can put this issue behind me for good.
Product: Mortgage

I was approved for a loan Modification in XX/XX/2020. The payment was $ XXXX monthly. All payments were made as scheduled on time. Out of nowhere I received a letter from the Mortgage company around approximately XX/XX/2020, stating the Mortgage will be increasing approximately {$2000.00} due to an escrow shortage. This is not because the property taxes or homeowners insurance went up significantly high. This is because, of a {$7000.00} shortage created during the loan modification. I have been trying to get help to resolve the problem in some kind of way and have not gotten any help or solid information from the Mortgage company. The new amount is a drastic change for my budget and now the Mortgage is behind again. Midland does not call back to follow up as promised. Ive made all the follow up calls and still made payments to avoid the Mortgage from falling further and further behind. This is an FHA Loan.
Product: Debt collection

This collection account is on my credit report but it is not mine. I reported this to them but they refuse to remove it from my credit report. It is ruining my credit and it is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in a number of disputes to you guys for these particular accounts that are inaccurate first disputes were sent XX/XX//2022 and 6 more disputes after that my last one was sent XX/XX//2022. This account is still showing up and none of them show that I have disputed them on any of the bureaus as if I am being ignored so I have done research to go above the bureaus to here and tell my issues to receive some results finally. I haven't got any response. The XXXX XXXX account is showing up incorrect and was not fixed the policy I thoughts was to have a 100 % accurate on all three bureaus saying inaccurate payment history and status and account number are reporting different this need to be corrected. As well as XXXX is show in a negative way and has been paid a agreed to be removed from creditor and has not been reported correctly either. Also XXXX is reporting multiple times. This account is showing up with a incorrect date of activity and open date and status as well. I have wrote letters about this numerous of times.
Product: Debt collection

CFPB Complaint  XXXX  was recently closed after the collection agency agreed to delete the  XXXX  items but only deleted  XXXX  of them.
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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number XXXX XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or 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

XXXX XXXX Reports late payments XXXX, XXXX, XXXX, XXXX XXXX XXXX. I was never late and any payment processing issues would have been for technical reasons. I had autopayment setup and never had any issues before. I was not at home during the time of these payment processing errors so I was not aware. I had been in the hospital with COVID symptoms while battling other illnesses related to my combat service in XXXX. I have been determined to be XXXX percent XXXX and am really affected by the stress of fighting to get these late payment records removed. They were not mine. I always have money and savings. Please do not hold me accountable for technical issues and health issues. Please show compassion. I suffered identity theft at that time, and its possible that a card was locked by my bank while I was in the hospital and overseas. I was not aware of any issues. I have paid off the card completely with a large payment months ago. Please don't keep me begging for this to be resolved. Please escalate to a manager that could help me with this request. I am exhausted with this. I deserve to be believed and help. I have paid this debt in full. It clear that I wasn't trying to avoid paying the debt. I have been an exclusive lifelong customer. Please do not punish me for being incapacitated and not ware of the technical issues that may have caused payment processing errors. Also why is Equifax reporting my account as closed? There is such inconsistency here. Even the dates of last update were different on some of the credit reports. Please delete this late payments. They are not the result of me not paying. Its a technical issue that was resolved later than we would have liked.
Product: Debt collection

On XX/XX/2022 Sunrise Credit Service posted a collection notice for {$970.00} against me. 
The account was fraudulantly created using my name and social security number with an address in XXXX XXXX. I live in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account has been closed for a year but TransUnion is allowing them to report the account as " late payment. '' XXXX placed a penalty on my account some time after it was closed and sent that penalty to collections. 

A closed telecom account can not have a late payment, as dictated by FCRA
Product: Debt collection

I have an accident 2 years ago, the bank never clamied to the insurance and they Just charge off the account, now they want me to pay a balance and they damaged my credit with it.in the accident the car was all broken so they charge off. The account.
Product: Payday loan, title loan, or personal loan

I was approved for a personal loan for XXXX $ at 6.99 % APR, following a direct access to my checking account for income and identity verification by PLAID and hard enquiry on my credit report. To finish processing my application they asked me upload my valid drivers license, which I did, after 2 days they send me an email to call them at a given number, during the call based on my name the agent asked about my immigration status, which I replied I have a valid immigrant visa, he then asked me to upload a utility bill, I went on to their portal and uploaded, and then when I went on to check the status it asked me for SSN card to upload and I did, then every time I go on the portal to check status it kept adding documents to upload, my passport, visa, immigration approval document. I uploaded all of them valid documents a total of 7 and denied because the validity is not enough for the loan term 3 years +. I met their advertised criteria and a good credit score of XXXX, they discriminated against me and denied me just because I am an immigrant with reason given - no reasonable assurance to pay back, no where on their website or terms and conditions it mentioned one need to be a citizen or have a validity up to the loan term, I was mislead, played around, discriminated, and humiliated, they asked of unreasonable assurance that exceeds anyones ability.
Product: Credit card

The accounts below are reporting incorrectly please investigate these : 1. THD/CBNA Reason for Dispute : I have been of Identity Theft / victim of fraud. This account is not mine, I did not authorize this credit line request, this was requested from an OHIO address, I have lived in Pennsylvania for more than 15 years and never lived in Ohio. 

INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : 1. CITIBANK NA/THD Reported : XX/XX/202XXXX XXXX
Product: Mortgage

The company continues to harass us that our mortgage payment is past due. They also responded to a previous complaint on XX/XX/21 that our issue has been resolved, but it has not! ( see attached ). We have been dealing with their extremely poor customer service departments/escalation departments/management, and extremely poor follow-up for over 2 months now- and the issues still exist! They have never called us back like they stated they would and they continue to provide erroneous information to the credit reporting agencies and the organizations investigating these issues.
Product: Mortgage

Per the FTC website XXXX in the section " Posting Payments '' the first line reads " The servicer must credit a payment to your loan account as of the day it is received. '' My mortgage loan servicer, Wells Fargo, is not applying the payments on the date received. I have set-up automatic weekly payments to be withdrawn from my bank account and applied to the mortgage which is to pay the principal, interest, taxes, and I opted for additional principal to be withdrawn and applied as well. I will be uploading a copy of my XX/XX/2017 Mortgage Statement with personal information blacked out as evidence ( you 'll see explicitly noted the weekly payments are " unapplied '' ). Wells Fargo is essentially receiving a short-term interest free loan by holding the weekly payments until the end of the month and then applying them. I believe this is incorrect. They should be applying the payments once received in order to reduce the principal balance which then reduces the amount of accrued interest.
Product: Credit reporting, credit repair services, 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. ( XXXX XXXX XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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: Mortgage

The XX/XX/year> payment was made on XX/XX/year> in the amount $ XXXX principle {$380.00} and {$550.00}. 


The XX/XX/year> payment was made On XX/XX/year> in the amount $ XXXX principle {$420.00} and interest {$510.00}. 




We are asking in this case Wells Fargo Financial Mortgage give us back the additional interest money that they charged us in the amount of {$650.00} for XX/XX/year> through XX/XX/year> when the loan was paid off by XXXX XXXX. Also, we are requesting the principle and interest money that was paid for XX/XX/year> through XX/XX/year> 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts appear on my credit report, without any authorization, this is not mine, please check them XXXX XXXX XXXX  Account Number : XXXX This is not mine. 
XXXXFORTIVA Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

This credit reporting agency has not provided me with account level documentation to verify the inaccurate items they are reporting on my credit. I have requested they provide such evidence but they ignore my requests.
Product: Debt collection

THIS CAR PAYMENT WAS ALWAYS MADE ON TIME, HYUNDAI FRAUDULENTLY TOOK THE CAR OUT OF MY NAME AND CHARGED OFF MY LOAN WHEN EVERY PAYMENT WAS MADE ON TIME. THIS IS IDENTITY THEFT. AND THS COMPANY DID NOT GIVE ANY DISCLOSURES AND IS IN VIOLATION OF THE GRAMM LEACH BLILEY ACT SEE ATTACHMENT
Product: Debt collection

Account Number XXXX Original Lender XXXX XXXX XXXX XXXX Name Date Assigned XXXX XXXXXXXX XXXX Original Balance {$830.00} Current Balance {$830.00} Responsibility Individual Status Comments Consumer disputes this account information, Collection account
Product: Student loan

My original loan was with XXXX XXXX at the time of the loan it was being paid to them as scheduled we sent them a lump sum and they assigned monies throughout XXXX loans that instead of paying off the loan the was requested. It was then sold the Navient and for months and months we receive bills that said XXXX amount due. we were then notify that we were in default and started negotiating with them in XXXX XXXX we had trouble doing so so we had to involve another party since then they have reported me to the credit bureau you several times which to me is unfair is that I feel is I am under negotiation and I am not getting through to the right department to finalize.
Product: Debt collection

Car insurance was added and since then was sold and insurance company didnt cancel after it was informed of the sale.
Product: Mortgage

Currently in a active loss mitigation plan and have a single point of contact who has not contacted me or barely answer any emails. Been working with a HUD approved counselor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I received a letter that my home was being sold on XX/XX/2024 through foreclosure but have not received anything that my loss mitigation plan was denied. I received the letter from attorneys on XX/XX/2024 and received a letter from Shellpoint/Newrez on XX/XX/2024 about needed more information for loss mitigations to schedule a repayment plan.