23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

On XX/XX/XXXX, I filed a CFPB complaint on XXXX XXXX regarding loan modification RESPA violations and as of this date, they have not provided me or my third party representatives with any answers regarding the principle amount of the loan modification, if the loan modification of 7.375 % conforms with FHA loan limits, or fixing errors on my credit report. I need this information to make an informed decision on their reinstatement offer or they will foreclose on the property in XX/XX/XXXX. They stated in the offer that the agreement is time sensitive and that the new interest rate goes into effect XX/XX/XXXX. Their actions have shown that they are not in the business of helping me keep my home but making every effort to bury me in debt. 
Santander has violated RESPA laws on many occasions such as reporting me to the Credit Bureau for missed payments during the Covid-19 Forbearance period ( See attached XXXX ), as well as reporting for missed payments when I made a payment on XX/XX/XXXX ( See attached XXXX XXXX ), and refused my payment on the following month, XX/XX/XXXX. They reported me to the Credit Bureau for that month and their actions has caused my score to drop to the low XXXX ( See attached XXXX XXXX XXXXXXXX ). Santander has been misreporting from XXXX  till XXXX  while they process my application. They are in violation of RESPA laws and have yet to tell me when they will correct this problem. 
Other examples of unethical business practice 1. XX/XX/XXXX, I submitted my loan modification application and reached out to HUD for assistance. The representative asked Santander for a status on my application XX/XX/XXXX and never received it. On XX/XX/XXXX, the representative emailed Santander on the status of my application. A response on my loan application, as well as them addressing the high interest rate on my FHA mortgage was never received ( See attached XXXX  ) 2.I submitted my loan modification application XX/XX/XXXXXXXX  and the process was drawn out till XX/XX/XXXX. When the appliction was sent they asked for documentation. When I would send the requested docs, they would ask for additonal information ( See attached *XXXX ). They did this more than ten times while threatening me with court documents to foreclose on the property. I was left with no other option but to file for bankruptcy. The bankruptcy was discharged because I missed my court date since I was hospitalized due to mental health reasons caused by the stress that Santander was and is still putting me through. 
3. While Santander 's underwriters would be reviewing my application, they were reporting me to the Credit Bureau for missed payment. They would refuse my payments stating I had to wait to be reinstated and still misreporting me to the Credit Bureau ( See attached XXXX XXXX and XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. I filed all necessary paperwork with appropriate agencies. Once submitted to all credit bureaus experian deleted the accounts in question. XXXX and equifax both sent me letters saying they believed these reports were being submitted by a third party. Which they weren't. They requested documents from me which were provided at least 3 times and continue to send the same letter about third party. Neither will provide documentation supporting this and continue to leave accounts on my credit that are severely impacting my scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my car loan off to XXXX XXXX XXXX 5 months early, closing my account. This resulted in my FICO scores decreasing by an average of 40 points in XXXX, XXXX and Equifax. When I inquired, I was told " When there is a sudden and unexpected change in your payment status, like paying off a loan early, the algorithm reads 'account closed early. ' That's just the way the algorithm works. '' To summarize : I paid my car loan off early, and credit agency 'algorithm ' punishes me with a 40 point FICO score reduction.
Product: Checking or savings account

This debacle was XXXX  years ago in XXXX. A deposit of {$3000.00} was made to my account. I went online to check my balance and received a message that I had no access to my account. After several attempts I called Sofi. It took a long time to reach a live person. After getting someone they explained the account was frozen due to a fraudulent action. I didnt know the name of the person who made the deposit. The case was passed to the fraud department. Spoke with an agent who took my information again, gave me a case number and said he would be in contact. I heard from him about a week later. They found the $ $ was deposited by sum1. I dont recall if it was a bad check or what. Needless to say this incident frightened me. I paid off the loan from Sofi. No longer doing banking with them. Caused a lot of XXXX
Product: Credit card or prepaid card

On XX/XX/2021 approximately XXXX XXXX to noon I contact NetSpend about a purchase that was on my card just to verify if it was just by chance that I gave authorization through the representative XXXX like what I said and posted my card as an unauthorized action and block my car at 5 to being on the phone with a representative and stop me from getting my front which I'm on vacation and XXXX Florida to go to XXXX and now I was told because you blocked my card after she apologized that she didn't mean to do it that there was nothing she can do to unblock my card and she apologized for me for the inconvenience XXXX XXXX me and emotional distress and in distress and anguish that I have to sleep in my car with no food and no buddy I've been calling NetSpend for XXXX XXXX. in the afternoon until XXXXXXXX XXXX. that diets and that I have not gotten any resolution but left with no money sleeping and my car in the parking lot of XXXX which destroyed my whole vacation after me losing my mom 's which I just wanted to go find some peace and clear my head for the tragic loss that I lost and the only thing I got for NetSpend life that they apologize for the inconvenience e and they protected the representative got made that mistake and they never fix the situation which left me and emotional distress and I am and the process of filing a lawsuit for mental distress and anguish
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested updated statement change and no change occured or as requested. Disputed items on credit report for proof of signed agreements for inquiries and delinquent items be removed having notified alleged creditors to setoff obligations for full acquittance and discharge and credit bureau and corporations have neglected their fiduciary duty to settle obligations and restore credit standing. I do not consent to e-sign. unauthorized use of my personal data carries fee of XXXX XXXX XXXX dollars per daily for use per 15 U.S.C. 1. Corporations are prohibited from reporting negative items without negotiating obligation for settoff. All consumer reporting agencies do not have any express written consent and are forbidden to share my personal data per 15 USC 1681a ( q ) 3, nor consent to furnish any potentially negative, delinquency, collection items on any report or use intellectual property i.e. persona as such dissemination shall constitutes character assassination that results in the credit discrimination. I am principal original creditor pursuant of the U.S.C. 15 1692a ( 4 ) per USC 15 1692J. corporations must have signed agreement for use of personal data. no consent for use of an social security has been authorized except under duress and violation of 42 U.S.C. 408a8 ; public law 93-579. Consumer reporting agencies are demanded to proof otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Experian Remove the following accuracies found on my credit report : I have never been sent proper validation. 

Remove XXXX XXXX  a.k.a. XXXX, Account XXXX due to inaccuracy in dates of last payment. 
Disputes Dates of Last Payment/Opened/of First Delinquency/Billing/Closed. 

Remove XXXX XXXX  a.k.a. XXXX, Account XXXX for inaccurate information. 
Claims inaccurate information. 

The description of the procedure used to determine the accuracy and completeness of the information has never been reported to me even after numerous disputes and requests. 

Name, address, and telephone number of each person contacted regarding this alleged account was never reported to me even after numerous disputes and requests. 

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed was never reported to me even after numerous disputes and requests. 

Please remove these accounts expeditiously! 

Send me a new credit report reflecting these changes.
Product: Credit card

I have communicated with Dell Technologies & Comenity Bank at least 3 times each on XX/XX/year> and on another previous occasion regarding a monthly reoccurring charge of a little less than XXXX dollars. I requested information about what I am being charged for and how to close account both entities said they were powerless in granting info are my request and both entities blamed the other for having the power, after being disconnected twice and 3 attempts to resolve and get information I am requesting help with this? I am also requesting Interest to be dropped and would like to close the account. I have never understood what the charge is for, the charge continued after I bought and completely paid for a computer on this account. I requested at that time info on what the charge was for and I got no answers so I continued to pay it until Dell shut down the website that I was paying the monthly charge on.
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion and XXXX re-added accounts that were successfully disputed back to my credit reports. I would like these accounts permanently removed. Accordingly to the lawsuit that was filed against transunion, XXXX and XXXX. I have been a victim of these illegal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My friend who visited me on XXXX used my phone while I am distracted asked my password PIN numbers, and ordered product XXXXXXXX XXXX XXXX, price and date was, Transaction date : XX/XX/2022, Transaction amount : {$550.00} USD, my friend used my XXXX account with linking citi bank debit card. 
And I tried to cancel whole order and dispute it after find out, but both XXXX  and citi bank customer service declined my request, that is why I am requesting to adjust from here. 

so please assist me with cancel this whole order and get full refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

They can not produce a credit appl or a repayment agreement or load document to verify this as a legal debt
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled XXXX XXXX XXXX XXXX XXXX Balance : {$300000.00} ; XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$32000.00}.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to complete my background check for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly reported errors to Equifax on my credit report. I requested that they provide me with the source of the data so that I could dispute it with the provider. 

As an example of an obvious error, they are reporting an address that says it was reported over 100 years ago ( " XXXX XXXX  ). 

Instead of providing me with the source, they put my request in the " Consumer Statement '' field of my report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered unauthorized inquiries that I did not authorize or initiate. These inquiries appear to be related to fraudulent activity, possibly resulting from my personal information being compromised due to a recent data breach. 
The following inquiries were not authorized by me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosed, please find a copy of the notification letter from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX detailing the security breach involving my personal data.
Product: Debt collection

This co claims to be a agency that collects past due traffic tickets. I have a ticket that is not paid, however on the mailings they send me they only have an amount. they do not give a citation # or anything pertaining to the ticket. the internet list numerous of people they constantly call and threatened them. they call my number every day. 
I want to pay the ticket, but not to them.
Product: Debt collection

These people have repeatedly called and left me messages. They are calling family members and non family members leaving messages about me on a daily basis. I called them back and they give me a different company name each time. They lied and said they are calling from the NYS clerks office, which they are not. I repeatedly ask them not to call me and they continue to harass me, make legal threats and will not respond to any questions. I am being harassed by these people. The unknown calls from them have come on multiple occasions in XX/XX/XXXX. They told me it 's a Best Buy debt, I initially informed them I have never had a Best Buy card. I asked them to email me my signature from the original credit card application and they said they do not have that and I can take up the matter with a judge. I 've never had a Best Buy card. These people do not take no for an answer. The message they leave says they are calling about an address I dont even live at. If they have spoken to me directly why are they still calling other people looking for me?
Product: Debt collection

Midland credit management is trying to collect on an unknown debt that is n't even showing up on my credit report, they have called me numerous times at work on my work cell and have also called my fiancee 's cell and her home phone and my XXXX Daughters Cell harassing all XXXX of us
Product: Credit card or prepaid card

I opened an account 7month ago with BestBuy. I never had an credit card before this, I have owned cars and paid off my cars but not credit cards.

Right after I opened this card I paid off half then went out of town, I lost my wallet and forgot about this card. Now my credit score is low 500 's and I have paid the rest in full 2 days ago.

I have never had credit cards before why is missing a couple payments while I was out of town bring my credit score down to XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 was loaned {$970.00}. paid {$2400.00} at 530.588 % APR XX/XX/2018 was loaned {$1800.00}. paid XXXX at 416.852 % I took the loans because when I went in both times the clerks say they will report to Credit agencies. 
Which I think is normal. What they did not say is they only report if the person does not pay the loan in full. 

They did not clarify that only people that don't pay are reported and when people apply. 

If a consumer is trying to re-establish credit and pay a high interest rate there is no benefit to the consumer for loans with other agencies. 

This makes the consumer to be able to borrow from the same creditor at a higher rate. 

They misinformed the consumer by saying they do report to credit agencies. I want the loan company to report I paid in full and as agreed.
Product: Payday loan

I sent a certified letter to Check N Go to stop the ACH payments from my account with XXXX ( located XXXX XXXX XXXX XXXX, XXXX, OH XXXX ) I took the letter into XXXX to show them and they still charged me a {$33.00} for a stop check fee. I received the certified mail receipt back from Check N Go acknowledging receipt of the certified letter. Yet, Check N Go proceeded with the ACH authorization requesting payment of {$1400.00} and XXXX XXXX let the charge go thru. This left a negative balance on my account and left me with absolutely no money for a week ... no food, no meds, no gas. Nothing for both me and my husband!
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX XXXXXXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Money transfer, virtual currency, or money service

Dear Representative, My name is XXXX XXXX. I was approved for mortgage assistance through the state of Colorado and my case was handled by XXXX  XXXX XXXX XXXX XXXX in XXXX CO since XX/XX/2021. XXXX  XXXX XXXX XXXX XXXX send the check to the wrong Mortgage Provider XXXX XXXX XXXX instead of the XXXX XXXX. Proper Mortgage statements where send to XXXX XXXXXXXX from the XXXX XXXX, there was a document included in the documentation send to them that had information of my previous mortgage provider XXXX XXXX XXXX. Unfortunately for me XXXX XXXXXXXX could not recognized from the current mortgage statements the The XXXX XXXX is currently my mortgage provider and send the check to Security National mortgage in the amount of XXXX. I contacted XXXX XXXX XXXX as instructed by XXXX  XXXX XXXX XXXX XXXX to have them resend the check to me, so I could properly send it to the XXXX XXXX. XXXX XXXX XXXX claims they have not found the check whom they have cleared and I still have not received a refund. I desperately need these funds to make my mortgage payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I submitted a dispute related to an account that PRA was reporting. Acct # ending in XXXX since then I have been in communication with PRA regarding this account that's being reported in error. On XX/XX/XXXX PRA responded to my CFPB complaint once again alleging this account was verified and found to be true. Furthermore they requested that I send them additional documents regarding the matter which I mailed back to PRA via XXXX tracking # XXXX ( see attached proof of delivery ) showing to have been received by PRA on XX/XX/XXXX signed by XXXX. On XX/XX/XXXX I received another letter dated XX/XX/XXXX from PRA with the exact same verbiage as before stating the account was confirmed to be reporting correctly ( REF # XXXX ) and again providing me with monthly billing statements dated from year XXXX. As of the date of this compliant PRA has not responded to nor acknowledged my FTC Identity Theft Report which was included in the letter referenced above.
Product: Payday loan, title loan, or personal loan

XX/XX/2022 : Initiated a payment through the Lending Point app in order to process an additional Principal only payment for the amount of {$2000.00}. Called a representative to make sure that this additional payment was going towards principal only. The rep told me that they could not process it as principal only so I asked them to cancel the transaction and that I wouldn't make an additional payment if it would not be applied towards the principal. The representative told me that she wasn't able to do that and informed me to set up a stop payment with my bank. I set up a stop payment with my bank. The representative then without telling me voids the transaction. I call to set up a principal only transaction with a different representative who goes by Unique and " they have no idea what happened to the last transaction ''. They then inform me named that the rep prior did not know what she was talking about and admitted that this fee should not have been assessed. Their calls are recorded. 

XX/XX/2022 : I was assessed a {$30.00} stop payment fee. I call and send in an email providing documentation that the stop payment was assessed. They " submit a ticket '' in order to have this rectified. Silence for two weeks. I send a follow up email, radio silence. I follow up with additional phone calls, no response. Many " tickets '' have been created with no results. Only when I threatened to file a CFPB complaint did they want to start the refund process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One/Lord & Taylor account was closed on XX/XX/2021 Paid as agreed with no owed balance. Under the payment history : XX/XX/2021 shows 30  days late. The account was never late 30 days and is reporting incorrectly. 
XX/XX/2021 shows 60 days late. The account was never 60 days late and is reporting incorrectly. 
XX/XX/2021 shows 90 days late. The account was never 90 days late and is reporting incorrectly. 

No balances were ever owed.
Product: Consumer Loan

On XXXX XXXX, 2016, I purchased a XXXX Ford Edge from XXXX in XXXX, XXXX for XXXX. They insisted the car the car was accident free. One month after purchase it was determined the car was in fact involved in a serious accident which they failed disclose. The loan was financed by Capital One Capital One Bank, XXXX. XXXX XXXX, XXXX, XXXX XXXX. They and XXXX refuse to refund my money or take any corrective action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of IDENTITY theft ... ... I submitted all the proper documents to all 3 bureaus previously ... .this account on my reports was removed previously as it was found to be fraudulent and now it was re-inserted for no reason ... .these credit bureaus are XXXX and they never follow the guidelines set forth by the FCRA ... they just operate in their own worlds and go by their own RULES. Both of the following accounts should be removed and deleted permanently from my reports. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$200.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$3300.00} Reason : Account is fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX