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

On XX/XX/2021, I received a notice from Santander Consumer agency regarding a pending repossession.

I have attempted to reconcile this debt within their Co-vid 19 protections but it has been to no avail. 

These are the key points of my response. 

-Santander has violated the law per 15 US Code 1635 by not disclosing my right to rescind this transaction. Also, by using my credit report to coerce payment and as such you have violated FDCPA 806 harassment and abuse. The representation or implication that nonpayment of any debt will result in the seizure or garnishment of any property or wages is unlawful for any creditor or debt collector.

-Furthermore, upon purchase of the vehicle I was given a credit application not a loan application.

-There should be no cash involved in a consumer transaction. This lending company has been charging me monthly payments and interest rates ( finance charges ), all of which need to be returned to me.
Product: Credit card

When wiil they release my money?

Company 's Response XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX REF : CFPB XXXX Dear XXXX XXXX, We are responding to your CFPB complaint regarding funds held on your merchant processing account, # XXXX, doing business as XXXX XXXX On XX/XX/XXXX, we received a batch for {$9300.00}. Due to this amount being higher than normally processed on your merchant account it was held for security review. To mitigate risk exposure, a decision was made to hold the funds for at least XXXX  days. The funds can be reviewed for release on XX/XX/XXXX. Please contact us at that time. While we believe this resolves your concerns, please do not hesitate to contact us at XXXX if you need anything further. Thank you, Fiserv
Product: Credit reporting or other personal consumer reports

I sent an opt out notice to XXXX XXXX And I got no response Ive attached my opt out notice below.
Product: Debt collection

I went to Lincoln Tech in XXXX, GA in XX/XX/XXXX and I received Financial Aid. I graduated from the school, then a few years later I received a letter saying that I owe the school, but I don't!! I NEVER signed any loans to pay for the tuition, it was all done by Financial Aid. My very first loan was with University XXXX XXXX in XX/XX/XXXX, not Lincoln Tech. Lincoln Tech could not provide any proof that I owe the loan. In XX/XX/XXXX, my wages were garnished by some unknown collection agency called XXXX XXXX XXXX in XXXX, MI on XXXX XXXX XXXX XXXX XXXX. and their XXXX number is # XXXX. I contacted this company to ask them to provide proof that I owe this fraudulent loan, but they couldn't provide anything! The lawyer ( XXXX Something ) even asked me if I attended Lincoln Tech and I told him I did and I graduated but I did NOT fill out a loan. The judge still garnished my wages even though this " lawyer '' and the school showed no proof. This " lawyer '' has taken {$5000.00} from me already without proof that I owe anything. This fake " loan '' is not even on my credit report. On the national loan website ( NSLDS.GOV ), this grant is described as a grant- NOT A LOAN. Please research this and investigate this manner. I've been calling US Department of Education and even they could not locate this fake " loan ''. Lincoln Tech was NO help, because they have no proof.
Product: Debt collection

This company from XXXX XXXX, OK states that I owe {$51.00} to a company called XXXX XXXX XXXX from XXXX, Florida and they have stated that they have investigated this amount owed on my behalf with the creditor XXXX XXXX XXXX that they work for and they have stated in their letter that they are sending this information to the credit bureaus in the meantime without letting me dispute it first and receive a detailed invoice and/or statement for these alleged charges. These people are definitely a bunch of crooks and they are saying that they follow the FCRA which is totally false and misleading. They have never given me any reasonable time to dispute these allegations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am here to inform equifax of identity theft of me account and wish to have fraudulent accounts removed
Product: Credit card or prepaid card

I called customer service to inquire about changing credit card products. In doing so they read me the terms and they said they hold the right to remove my rewards points but didn't state under what conditions. I asked before proceeding if in my case the rewards would be reduced and the agent answered that no my rewards would not be removed. I made my decision to move forward with the product change based on the agent 's response. It turned out the agent 's information was incorrect and deceptive. A few days later Amex drained my rewards point balance by XXXX points. I informed them I made my decision based on the agent 's clarification following my question. I believe this is an unfair and deceptive practice and the agent 's answer to my question is what led me to the decision I made to switch products.
Product: Debt collection

I discovered this account on my Credit report shortly after my mother passed. It seems a family member had use my information to obtain this card I am not or have ever been a customer at XXXX. There was a period of time. I did live with my partner and a family member was temporary using my old bedroom. My information has abused as well as the information of my children. I am single mother trying to do my best. Ive maintained a great payment history for all my existing accounts on my credit report. This is the only account that shows as delinquent, which I was not aware of. Nor was I the owner of. I not was made aware of these false accusations against me. This needs to be removed and the false information against me be erased. If I need to take legal action, I will.
Product: Credit reporting or other personal consumer reports

I first disputed this account in XXXX when i recieved a response claiming that Bridgecrest can not fulfill my request because they have insufficient information on their end. My information which was state ID, and proof of address. For years they have been denyinh me documentations and not verifying this account. I took it upon myself to right the FCRA & FDCPA noticed I have been being violated this whole time. Bridgecrest can not honor my request based off the inaccurate information they have. Also if they can not validate this account and send me the proof funds, books of recording and along with befenical account holder, - written agreement with my wet signature - what method of payment was used and was I charged a down payment when this has my social security number associated with it which would make this a credit transaction. Therfore cash is never to be applied, accepted or bargained with. 
XXXX Bridgecrest has no promisble purpose to furnish any account associated to me. Please provide with within the agreement or contract i was given proper disclosures. Please provide me my wet signature of me opting in credit reporting and the option to OPT-OUT full disclose as states in 12 CFR 1016.7 - FORM OF OPT OUT NOTICE TO CONSUMER : OPT OUT MENTHOD I have repeatedly request XXXX, and XXXX to remove this account several times because these companies to are causing adverse reaction against me and my creditworthiness. 

My credit report has serveral errors and the company Bridgecrest is out of compliance per sec. 1681e - Compliance Procedures **** EFFECTED IMMEDIATLY TO : Bridgcrest/Drivetime THIS IS YOU FORMAL NOTICE TO CEASE & DESIST ALL COMMUNICATION INCLUDING ALL 3RD AFFILITIE SHARING AND CREDIT REPORTING. PLEASE REPSOND ON THROUGH U.S MAIL AND THESE COMPALINTS. 

XXXX XXXX XXXX did not do a proper investigations after serveral attempts. XXXX deleted after proper investigation. 

These are the violations Bridgecrest/DRIVETIME violated 1. 12 CFR 1016 .10 LIMITS ON DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES 2. 15 USC 1692g - VALIDATION OF DEBT 3. 15 USC 1682 - PERMISSIBLE PURPOSE OF CONSUMER REPORTS 4. 15 USC 1681i ( 5 ) REMOVAL OF INACCURATE UNVERFIED CREDIT INFORMATION 5. 15 USC 1681b INACCUARTE FALSE REPORTING 6. 15 USC 1681e ( b ) COMPLIANCE PROCEDURES MAXIMUM POSSIBLE ACCURACY I understand each violation is payable up to {$1000.00} per Fair Credit Reporting Act. I would like to excerise my rights because of the damage and harm for so long of trying to fix this issue ahs caused massive pain and suffering on top of my creditworthiness being tarnished.
Product: Credit reporting

XXXX XXXX is being reported as being 30 days late on my Experian report and I believe that is incorrect. The account has been current always, to my knowledge. I have asked for support on the reporting but I have not received it.
Product: Debt collection

On XX/XX/XXXX of last year I was involved in a hit and run. Somebody hit our car from behind and sped off. I went to the hospital and everything that was done for me at the hospital was handled by my lawyers at XXXX XXXX XXXX in XXXX North Carolina. Their phone number is XXXX. My lawyer reached out almost a year ago and said they would take care of all the bills and to not send me to collections because they would be paid in full. According to my lawyer they were in compliance. I have taken very great care of my credit over the years reaching over an 800 at one point and I would not have let this gone to collections if I knew it wasnt going to be handled by the debt collectors. I  noticed I was sent to collections on Friday night because I am in very close contact with my XXXX XXXX  and I have reached out to my lawyers and they said it was just finalized and payments for doctors and bills were going out within the next week. I also havent received any paperwork I only know about the debt from the hospital calling me. My address is XXXX XXXX XXXX  XXXX XXXX NC XXXX I havent received anything saying I was being sent to collections other than knowing I owed money to my doctors but they have been talking to my lawyers the entire time. I dont understand why I was sent to collections when I was being told everything would be paid in full by my settlement. This is obviously a huge misunderstanding and I am taking a huge punishment with my credit score being attacked and dropping 60 points. Please help me resolve this. I was the victim in an accident and I dont want to be the victim in another case.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 am writing to notify you that I am a victim of a data breach, and I am requesting that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c- 2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). These accounts were fraudulently opened in my name as a result of the breach. 
Please see the affected accounts below : Accounts to Be Blocked and Deleted 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 am submitting a formal complaint regarding Equifaxs inaccurate reporting of child support obligations on my credit report, originating from the Florida Department of Revenue. This reporting is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). Under prima facie law, I possess the right to accurate and fair reporting of my financial obligations, free from erroneous or incomplete information. The inclusion of child support information, especially when inaccurately reflected or without verification, breaches this obligation. I have concrete evidence disproving the claim and demonstrating the reporting as unsubstantiated and misleading. I respectfully request the CFPBs intervention to investigate this matter and ensure that Equifax and the Florida Department of Revenue take corrective actions. The removal of this unauthorized entry is crucial to protect my financial integrity and uphold my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

My credit integrity seems compromised due to your failure to remove certain inquiry, despite submission of an FTC report XXXX XXXX. Upon reviewing my updated personal credit report, it has come to my attention that an unauthorized credit inquiry persists. Despite my efforts in contacting the responsible company to eliminate this inquiry from my credit profile, action has yet to be taken. Previously, I had requested an investigation into the specific inquiry listed on my Equifax credit report to ascertain its authorization. Now, with the investigation concluded and my claim validated, I urge the removal of this inquiry. Additionally, I request an updated copy of my credit report, confirming the deletion of this inquiry, to be sent to my provided address. Accompanying this request is a new FTC report XXXX XXXXXXXX for the inquiry 's removal, specifically targeting the entry : EQUIFAX : XXXX XXXX. According to the Fair Credit Reporting Act Section 605B ( a ), there is an obligation to eliminate any entries initiated without my knowledge, consent, or authority within four business days, contingent upon ( 1 ) proper verification of my identity; ( 2 ) receipt of an identity theft report ; ( 3 ) my identification of the disputed information; and ( 4 ) my statement clarifying the absence of any transactions authorized or initiated by me related to this inquiry.
Product: Debt collection

I was sent to collections by my XXXX XXXX I negotiated the amount to settle the debt with the collections company and I paid the total amount owing in full ( got extra points added back to my account, negotiated no maintenance fees for the year and no other amounts as it would be considered paid in full ). 

Account was debited for the agreed amount XX/XX/2021. 

Now the account was reactivated with a new account number and I am getting daily and sometimes twice daily calls to collect an over due amount I didn't agree too for reactivating the account totaling a new collection amount of {$3900.00}. 

This was never disclosed, never agreed upon by any party between the company, nor their third party agent the collection company while negotiating the terms of the collection account. I did tell them to stop calling and they continue to call daily. 
The XXXX XXXX doing business as XXXX - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX XXXX XXXX. I have always made payments to them either by sending in a check or making a phone payment. 

My due date is always on the XXXX of every month. On XXXX XXXX I called in and made a phone payment for the min amount due. 
After monitoring my bank statements I noticed that it took a couple of days longer than normal for the payment to process. At that point I signed up for the online access to my account so I can investigate, and find out that there is a cut off time for the payments. 
During my online investigation I was then made aware that there was a XXXX deadline on the due date Now no where on their paper statements or on their automated payment system did it ever mention that there was a specific time that the payment was due by. Therefore I was not informed and made unaware of a time specific deadline. 

My payment was technically made on XXXX XXXX, XXXX at XXXX. Which is technically considered by date XXXX XXXX, XXXX. 

I had called Kohls multiple times to dispute this and just received a letter stating that the must report the late payment to the credit agencies. 

My dispute is that since they do not inform of a specific time frame dead line on all of their forms of payment, then they should not report a late payment to the credit agencies.
Product: Mortgage

I went online XX/XX/XXXX to make a mortgage payment to Wells Fargo Home Mortgage of {$1300.00} which is my normal payment. I noticed the payment had increased from {$1300.00} to {$1300.00}. My normal escrow analysis was done XX/XX/XXXX and my payment had gone up due increased property taxes and property insurance.I called Wells Fargo and talked with customer service agent XXXX on XX/XX/XXXX and proceeded to tell me the increase was due to a mistake in the modification process of my loan XX/XX/XXXX. XXXX also stated to me to protect my credit that I should go ahead and make the new payment and Wells Fargo would talk to me later about it.Wells Fargo has not contacted me in any form including mail, email, fax or phone to alert me of an increase of my mortgage. Wells Fargo refuses to accept my normal payment of {$1300.00} and due to this stance my credit record is now in danger. I am on Social Security XXXX and every dollar counts to me. How can a bank just decide to increase your payment out of the blue without proper notification and then refuse to accept the normal payment. I have reviewed my closing statements of the modification XX/XX/XXXX and Wells Fargo is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per FCRA 604A 15 US CODE 1681 B, there never was written consent to report anything and 605A 15 US CODE 1681 C1 without written consent is identity theft. However, the account is paid off and is reporting as both paid on one credit report and derogatory on another. Also it states it a charge off so it can't be all three
Product: Credit card

My wife and I both opened a brand new BARCLAYCARD Rewards MasterCard after receiving promotion in the mail. We were both approved and took advantage of the 0 % into for the first XXXX months. We made sure the purchases were made within the XXXX days of acct. opening which we called to verify date. My wife saved her letter but I did not save mine as they were they same. Well she got her bill and they started charging her interest. They literally made her produce the paper which she did and I am attaching her. They made her mail the items in to " prove it '' no the case is getting settled and she will hopefully get all interest reimbursed and the promo for XXXX months. I just got my bill and would do the same thing however I only have the paper that she got not mine. I think they will try and weasle their way out of giving me my promo. so that is why i am filing this complaint. They are terrible in the way they bait and switch. They mentioned well you opened your account online, like something was wrong with that. I said right on the paper to do so with the personal ID code which we both did. I never ever would have opened a new credit card had it not been for this special promo.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

NAME - ACCOUNT NUMBER 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 has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 card or prepaid card

I received a debit card thru my work went to use it and discovered no money in checking the card there are fees for everything except breathing. The monthly fee went to XXXX without any notice. This could be seen as predatory banking
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.

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 XXXX 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: Debt collection

I have never done business with Consumer XXXX Company that has added a derogatory account on my credit report on XX/XX/year>. I have not received a call, email, or letter in the mail advising what the {$1200.00} could be for. However, I have never done any business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have placed incorrect information. I have no idea and i am unaware of this particular account listing. I have asked to validate the verification of this account with an original copy of a contract bearing my signature. I sent a certified letter a few months ago and still haven't received any responses. The account was removed and placed on to my credit report as another account different name, and a different date. I am asking for this to be permanently and immediately removed with an internal dispute with a human dispute as well i don't want any E Oscar dispute with a fictious verification letter.
Product: Credit card

I believe FCRA 605B mandates the elimination of any erroneous entries from my credit profile. Can you verify the paperwork? Several of the documented accounts exhibit inaccuracies in reporting, including erroneous amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit score negatively impacted when a consumer voluntarily closes a credit card account.

A few years ago I needed to build my credit and only qualified for some less-than-desirable cards with high annual fees or monthly fees. I have since rebuilt my credit and have maintained a {$0.00} balance for the past 2-3 years, but am still being charged high fees. I have not closed these accounts because I have been told this will severely impact my credit score.

I am asking this to be changed.

I would like to keep open the low- to no-fee cards I have now qualified for, but close the high-fee ones without hurting my credit score.

Can this be done?