23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I took a {$550.00} credit builder loan from selflender, in the form of the loan going into a CD, then I recevie the funds when the loan is paid off and the CD matures. When I signed up, it was advertized have access to your money when the loan is paid off, and the CD matures. Well my loan was paid off early, and my CD matured XX/XX/XXXX. I have yet to receive my funds and it is now XX/XX/XXXX.  Ive tried calling and im given the excuse that it takes time to make sure everything has been paid as agreed. Well when I made my last payment on my selflender account online, it told me right away i was paid off, why so much extra time? Problem is, I planned a vehicle purchase around the return of this money to pay my tags on my new car. They come to {$540.00}, I am supposed to receive via ACH direct deposite XXXX.. More than enough to pay my tags. To me, 10 days is more than enough time to receive my funds. But because selflender is playing with my my money like its a game, I am now going to have penalty late fees on my tags, along with having to park my brand new vehicle that I'm making payments on because it can not be legally driven after XX/XX/XXXX, tomorrow.. So now my money I am suppose to receive is not going to be enough to cover tags and penalty fees together, along with not being able to drive a brand new vehicle being paid for by me. I'm loosing money at all angles here because selflender is playing with my money.. Im being told a total of 14days to receive my money. For an ACH direct deposit? Ridiculous. Who is compensating me for this loss? I can take take further legal action if needed.
Product: Credit reporting or other personal consumer reports

I was notified that a collection account had been opened on my credit report without sending me notification of debt and allowing me the opportunity to dispute it. This information is being reported by trans union in violation of the terms of the fair credit act.
Product: Debt collection

In XX/XX/2021, I received a credit alert that I had an outstanding collection balance to Credit Management LP, a company whom I had never heard of nor contacted me regarding a debt. When I called the company, the representative could not verify if I was the correct individual for collection and hung up the phone one me. 

I requested via certified mail for the company to validate the debt. It has been over 30 days and this collection company never wrote me back validating the debt, however, they reported to the bureaus that I disputed this debt.
Product: Credit card

I was around excellent credit score XXXX XXXX. I opened the card to pay for dental expenses at the time. They advertised that care credit would make my credit it go up only to find out my score dropped to XXXX points. I paid off the card. They asked if I wanted to increase my credit limit then I not knowing they would decrease my limit from close to $ XXXX down around {$700.00}. When I paid everything went to use the card thinking I had a limit close to XXXX and now Im stuck at a health care facility not bein able to pay what I owe them of {$2800.00}. Not only I dropped XXXX points when they asked me if I wanted the increase I lost point in another inquiry. I called customer service they refused to put it back to original amount. They then told me I can try get a credit increase but they would run another inquiry I was denied and to cover the cost health car I ask for another increase of less than half of XXXX. 2 inquires in under XXXX min which my credit score will be even lower now. This should be illegal. This one creator card has cost me around XXXX from under a year ago and I paid the card off completely. They falsely advertise it will help my credit and never has sine day one
Product: Mortgage

A request for review and immediate assistance in the resolution, ( as filed with the Circuit Court of The County of XXXX, Virginia ) Wells Fargo Bank , NA XXXX f/k/a XXXX, as successor in interest to XXXX XXXX XXXX XXXX, XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mortgage Pass-Through Certificates, Series XXXX, et al. XXXX XXXX, Trustee ) of this issue. 
My concern is that the above parties have not addressed the loan and its origination in XX/XX/XXXX. The original refinance included both XXXX and XXXX XXXX as noted in the attached documents. When this was declined due to interest rate by the XXXX 's, the mortgage company offered a " better rate '', but this time did not include XXXX on the contract. Instead they used my income alone, which at the time was approximately {$33000.00}. This income in no way qualified me for such a high mortgage, but the approval was granted, which is also noted in the attached documents. 
I strongly believe that this loan was predatory in nature and during the life of this loan and the multiple opportunities by the banks and financial institutions who bought and sold this loan, there was no due diligence. XXXX 's name could have been added during the review and approval process. The attempt by the parties listed above to add XXXX 's name to the deed of trust at a later date in order to foreclose on the property and not to correct their error of the past is in question. And, until XX/XX/XXXX when XXXX XXXX lost his job and the payments could not be met, neither the original mortgage companies, banks, trustees, etc. thought to review the documents for accuracy. 
Document review is part of the process and could result in some errors or omissions, but the fact that I did not qualify would have been glaring throughout the process. Financial institutions ensure that the consumer has signed all required documents and all errors are corrected, why was this omission noted as an oversite, accept when the plaintiffs wanted to foreclose? 
A request was made for mortgage assistance/modification and was denied with a letter dated XXXX XXXX, XXXX, noting that " the approval must come from the investor that owns the mortgage and this has been declined. '' A letter to the XXXX 's dated XXXX XXXX, XXXX notes regarding " fairly common practice '' and possible payment to the XXXX 's to have XXXX sign a correct deed of trust, is this proper? 
Please also note that I personally have not been officially contacted regarding the sale of the property, as my name is the only XXXX on the mortgage and the deed of trust. The sale is scheduled for XXXX XXXX, XXXX. I am not residing at the residence due to pending divorce, but XXXX is in the home. Change of address is on file with the attorney representing the plaintiffs and is duly noted by the attached envelopes, and previous phone calls made to my cell phone during past court proceedings. I should have been directly notified of the actions, I found out via a call from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these XXXX  accounts have violated my rights. 
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 or other personal consumer reports

I reviewed my consumer report and noticed this account on my report with inaccurate and inconsistent information with all XXXX bureaus. The last verified date does not match the time frame that I requested the account be verified even though I received notification back saying the account was verified. There are XXXX different date of last activity dates, which XXXX is correct? There are different date opened dates. There are different last payment dates, and the dispute status says account not disputed when I have indeed disputed these accounts multiple times. This account does not match the record of any accounts I have and all of the inconsistent information makes it difficult to know what is correct. I noticed several inconsistencies and incomplete errors regarding these XXXX accounts. These accounts are hurting and preventing me from getting my approved for my dream home. It is your duty to ensure that ALL information reported is COMPLETE AND MOST IMPORTANTLY ACCURATE. The FCRA states that ALL information must be COMPLETE, VERIFABLE, AND ACCURATE. This account is not any of the above adjectives. Please delete this erroneous account immediately! According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute inaccurate information on my credit report, and credit reporting agencies are required to investigate and correct any inaccuracies within 30 days. 
In the case of *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court highlighted the necessity for credit bureaus to maintain accurate records and perform reasonable investigations into disputes. The inaccuracies on my report are negatively affecting my credit score and overall financial health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX Balance XXXX {$25000.00}
Product: Credit reporting or other personal consumer reports

My account with SANTANDER 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 in those account 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. 


SANTANDER 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, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

wrong information and wrong address on file and i have had XXXX  XXXX XXXX on my report for too long i had tht account in XXXX and its XXXX experian wont remove it pls help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent  XXXX  written request to Transunion requesting the removal of the listed unverified items. They have failed to send me copies of the documents that they used to verify the disputed accounts. They have failed to delete the disputed accounts that they did not verify. Under  Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified. I am requesting deletion of all disputed accounts which they did not verify.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Specifically, subsection ( a ) ( 3 ) states that a consumer may : " ... direct that a consumer reporting agency not furnish information regarding that consumer to any third party, except as authorized by the consumer. '' 15 U.S. Code 1681h - Disclosures to consumers Subsection ( a ) ( 2 ) requires credit reporting agencies to : " ... provide to a consumer, upon request, a description of the procedures used to determine the accuracy and completeness of the information in the consumer 's file. ''
Product: Payday loan, title loan, personal loan, or advance loan

This is showing on my credit as owing over {$800.00}. I do not have any knowledge of this account or loan. I haven't borrowed money from this company, and I know I wouldn't have been approved for {$800.00} as my credit wasn't that good a few years ago. My ex husband has opened several accounts in my name on line and taking out loans, and I have had to fight to have those removed. Please supply the info for the loan as I have no knowledge of this.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Debt collection

Santander consumer USA is attempting to collect on a debt that I do not have a contract with their company, they breached their contract when they sold the account, they are attempting to collect a debt that is {$25000.00} which I no longer owe Santander consumer USA, by law they have to remove the fraudulent account! Santander consumer USA is involved in a class action law suit regarding reporting fraudulent charges and accounts on consumers credit reports. If the account is not removed from my credit profile. I will file a lawsuit against Santander consumer USA. I have filed complaint with the Attorneys general office and I have also submitted all documents to my attorney
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR CFPB ; CRA 'S ; XXXX XXXX XXXX ; I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I honestly do not believe to ever have any relationship with this collection agency or original creditor. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Money transfer, virtual currency, or money service

We are seeking your assistance ( along with the CFPB simultaneously ) after being Victimized by a company that purports to settle high interest credit card debt coupled to a low interest loan for settlement payment inside of 36 months. 
Company is Americor Funding along with Credit 9. We paid {$5700.00} over 12 months to them, debtors were never notified that they represent us, there was no loan, and they are not so much as licensed to do business in our state ( PA  ), We were summoned by local XXXX whose court placed a {$7000.00} judgement against us filed by one of our creditors that was never notified by Americor regarding their representation on our behalf nor contacted to negotiate settlement. 
High interest credit card debt resulted from the loss of venues of assistance through XXXX XXXX via physician 's office for Rx drug costs ( XXXX XXXX XXXX XXXX  ) which exceeded XXXX XXXX  of our monthly household income after same physician 's office resorted to XXXX due to Covid-19 pandemic in XXXX through XXXX. We are a XXXX XXXX XXXX couple of very limited means and subsequently now have a bankruptcy on our record resulting from a nefarious and predatory Americor Funding. 
XXXX previously reported on XX/XX/XXXX. However, these are very bad people and prey on innocent people ( particularly vulnerable seniors ) and must be stopped immediately! 
Please review : ABOVE ALSO REPORTED TO XXXX XXXX ( XXXX XXXX XXXX XXXX ) and XXXX XXXX ; XXXX FTC Complaint ( Online ) Confirmation ( XX/XX/XXXX ) Report submitted! Thank you for helping our work to protect consumers. 
Report XXXX XXXX
Product: Credit card

I booked and prepaid for a rental car via Chase XXXX from XX/XX/XXXX through XX/XX/XXXX. When I went to pick up the car, it was not available and I was not given a car and I was not issued a refund. 

When I returned to the US I called Chase to request a refund. They told me they would submit a claim with their contractor and get back to me on XX/XX/XXXX. No one followed up. 

I called again on XX/XX/XXXX. This time they told me I had to submit a claim through the contractor ( XXXX ). After several hours on the phone with XXXX, I was directed back to Chase. 

On XX/XX/XXXX, Chase submitted a claim with XXXX and told me I would receive an update on the claim status within 20 business days. I never heard back. 

On XX/XX/XXXX, after 22 business days I called Chase again. They told me the claim was put on hold on XX/XX/XXXX, but they called the contractor and told me they would receive an update and then update me in 72 hours. I asked them to issue the refund for the service not rendered and they repeatedly refused. I was put on hold, hung up on and never called back. I called back again on XX/XX/XXXX and they again could not resolve my issue. I was lied to and told the representative was talking to her manager but then she admitted she was simply talking to another person in her same level ( supervisor ) in another department. 

All we want is a refund of {$860.00} for the rental car we never received.
Product: Mortgage

Ditech is refusing to review my modification packet. I summited twice and the first copy never maded they kept advising me to please wait a couple of day more until more documents get uploaded. Therefore I was forced to re-apply once again for a modification review. This is very upsetting because my house sales on XXXX/XXXX/2016. I have tried to work directly with Ditech however I feel they are just prolonging my case so my home can foreclose. I am in desperate need of assistance.
Product: Debt collection

JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX Is fraudulently submitted a collection for XXXX on my credit report which is impacting my credit. 

I have no knowledge of this, it just showed up on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from my credit report : 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you