23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A few years back I was paying a credit card company monthly and had arranged a payment plan via phone. Months later while still paying XXXX XXXX, they sold my account without my knowledge or consent/communicating to me to a debt collector and was constantly receiving phone calls and text message from whom I thought was a scam, along with mail from this debt collector that was harassing me on a day to day, hour to hour basis. I had then contacted XXXX XXXX directly and it was then that I found out that they had wrongfully closed my account while still paying them. They had collected money and sold my account to this debt collector for way more than I actually owed them.
Product: Debt collection

Threaten I would be arrested and Law Enforcement would be at my door within the hour.
Product: Debt collection

In XX/XX/XXXX, I spoke directly with the property XXXX XXXX XXXX claiming that I owe them move out costs. After speaking with a handful of employees including the property manager, I learned that they were attempting to charge me for fees that they initially were waiving during my application. Upon canceling my application in less than 24 hours, due to discovering that many of their tenants are extremely unhappy with the company, staff, and property, specifically stating that they are criminal in their practices and try to take advantage at every chance. I received a bill with fees detailed as move out costs.

When I asked for an explanation of how they can charge me move out costs for an apartment I never entered, I was directed to a legal document stating they have the right to retain any payments received. I tried clarifying with the property manager that by definition retain means they already have the money and have the right to keep it. Not that they can say its free to apply and there are no strings attached, which is why I did it without significant research, then charge after I quickly revoke my application. I spoke with their billing department on XX/XX/XXXX and they told me that the property manager can cancel the charge, when I tried to relay the information to the property manager, I was responded to with hostile tone and eventually, I stopped getting a response from the property manager. 

I later received a notification from I.Q. Data International on XX/XX/XXXX with directions on how to dispute the claim and by which date. I used there form attached to the mailer and sent my dispute on XX/XX/XXXX. The initial letter said that if disputed before the date provided they would stop collections but they didnt. I had also asked for more information on how/why I allegedly owe this debt, but received no supporting documents or response. Shortly after my dispute, I saw the debt had already gone to collection and was reflected on my credit report. On XX/XX/XXXX I attempted to contact I.Q. Data International again, but have still received no response and the debt collection has not ceased to exist on my credit report.
Product: Payday loan, title loan, or personal loan

I did not receive the favorable credit reporting that was promised after multiple loans over the past year
Product: Vehicle loan or lease

XX/XX/XXXX To Whom it May Concern, Santander Consumer USA has engaged in unethical lending behavior and ultimately debt collection practices. Apparently, Santander Consumer USA purchased my auto loan for my car from XXXX XXXX at some point this summer. I was never made aware of this transfer by mail, phone, or email. Since I purchased the car in XXXX, I have made every payment- every single month- on time via autopay. This equates to roughly 48 payments on time. 

Not only was I not informed of a transfer for my auto loan to Santander Consumer USA ( https : //santanderconsumerusa.com/support/contact ) but Santander Consumer USA did not  appropriately continue my auto-pay at the time of transfer of the loan. They did not inform me of a problem and 90 days later I started receiving debt collection and delinquency calls from Santander. When they first called, I informed them that I did not have any accounts or loans with their firm because I was never made aware. Once I was informed that they held my auto loan, I paid the full outstanding amount {$1900.00} immediately in a one time pay on the XXXX of XXXX for my account number XXXX. 

Santander USA failed on many fronts, however, their unethical behavior has affected my credit score disproportionately and is now impacting my ability to finance my future home. A proper remedy would be a full reversal of their recent actions as well as a written letter stating their egregious mistakes.
Product: Mortgage

On XXXX XX/XX/2022 the price for my homeowners insurance was lowered from {$2100.00} to {$1600.00}. The insurance company sent Bank of America and I a copy of the Insurance page showing the change. Almost 30 ( Thirty ) days after the document was mailed to BOA, on XXXX XX/XX/2022 they still charged my escrow account the higher price of {$2100.00}. I contacted customer service and they refered me to the ihavesurance website, to show that I have insurance ( which I have ) its the price that is in question. That site referfed back to customer service since it was an End of Year issue. I emailed them to Request Escrow be adjusted to refect the correct price. Those emails were sent on the Bank of America secure website. 
Every time I email them on an issue they address a completely different one and just pass the buck. Calling on the phone puts on on a endless advertising loop for al least 20+ minutes. Seems every time I send them a secure message, for one issue as if they do not understand English they address another issue. Please note that with the higher insurance rate the escrow analsis will charge a higher property insurance rate ; which will increase my payment to an amount I may not be able to pay. I feel this is just the bank trying to keep more funds in the escrow account to serve them better.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with the credit bureaus towards the end of XX/XX/XXXX regarding a collection account that showed up on my credit profile at the beginning of XX/XX/XXXX ( reporting company is XXXX XXXX XXXX ). This account is not my account, I have no knowledge of this payday loan and have not been provided any information from the reporting company proving that it is my debt. So I disputed this fraudulent account with the credit bureaus and on XX/XX/XXXX and XX/XX/XXXXI received the dispute results stating that the account meets FCRA requirements. The credit bureaus told me that they had sent the information I provided to the reporting company and that the reporting company conducted their own investigation saying it is my debt. AGAIN, I have received not one document showing that I owe this debt, even after verifying my address, no one has mailed any paperwork to me. On XX/XX/XXXX, I submitted a complaint with the FTC, CFPB and the NC State Attorney General reporting XXXX XXXX XXXX for continuing to report this fraudulent account to the credit bureaus. Those complaints did not resolve the issue. On XX/XX/XXXX, I spoke with XXXX XXXX from XX/XX/XXXX and she stated that on XX/XX/XXXX, they had closed the account as disputed and had transmitted this information that same day. She gave me her number and XXXX ( XXXX XXXX XXXX ) and her supervisor 's name ( XXXX XXXX ) and told me to call if I needed any other info. I spoke with a rep from XXXX that same day ( XX/XX/XXXX) and they had not received anything from XXXX XXXX. I tried to call back and speak with XXXX XXXX but she and her supervisor were " unavailable '' and would call me back. They never called back. Today, XX/XX/XXXX, I called XXXX to see if the account had been removed. Not only was it still on my report, but XXXX XXXX had reported my account as delinquent onXX/XX/XXXX, TWO DAYS AFTER MY CONVERSATION WITH XXXX XXXX SAYING THE ACCOUNT WAS NOW CLOSED. I do n't understand how a closed account can be reported as a delinquent open collection account if it was supposedly closed on XX/XX/XXXX. I need this resolved immediately! It is damaging my credit and it does not belong to me. And as stated before, I have not received any documentation proving that this account belongs to me, even after I requested paperwork be mailed to my home address. This account is unfairly being reported!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a serious problem with Equifax because they are not reporting any of my accounts on my report also they are not reporting my credit score. I try multiple times sending letters notarized by a notary about existing issues and they are not doing anything about it. I need these accounts to be shown and my credit score on my credit report as soon as possible, the accounts are 1. XXXX XXXX XXXX Open date is XX/XX/XXXX 2. XXXX XXXX Open date is XX/XX/XXXX 3. XXXX XXXX XXXX Open date is XX/XX/XXXX 4. XXXX XXXX XXXX Open date is XX/XX/XXXX All four accounts reports to all three credit bureaus, so please let Equifax know that they need to put these accounts on my credit report because this is a defamation of character
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted transunion, XXXX, and XXXX  and have requested my student loan information be removed. Some of the loans are from 11 years ago, still they refuse to do so when the law specifically states they are to be cleared after 7 years. Because of this I can not get a credit card or do anything to even try to improve my credit because I don't make enough money. " Negative information ( such as missed payments, collection accounts ) must be removed after seven years. '' XXXX has told me they can keep this negative information my credit for 10 years. I told them no and they refuse to fix the problem.
Product: Credit card or prepaid card

American Express receives credit and payments but doesn't update the balance. They also add unnecessary late fees and try double existing charges. They are even trying to prevent me from having a balance transfer.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX I am requesting this inquiry be thoroughly investigated and removed once found to be fraudulent. I did not authorize this inquiry. I have never heard of XXXX XXXX, XXXX XX/XX/XXXX I am requesting this inquiry be thoroughly investigated and removed once found to be fraudulent. I did not authorize this inquiry. I have never heard of XXXXXXXX XXXX  CAPITAL ONE XX/XX/XXXX I am requesting this inquiry be thoroughly investigated and removed once found to be fraudulent. I did not authorize this inquiry. I have never heard of Capital one bank CAPITAL ONE XX/XX/XXXX I am requesting this inquiry be thoroughly investigated and removed once found to be fraudulent. I did not authorize this inquiry. I have never heard of Capital one bank XXXX XX/XX/XXXX I am requesting this inquiry be thoroughly investigated and removed once found to be fraudulent. I did not authorize this inquiry. I have never heard of XXXX
Product: Debt collection

This account is reflecting on my credit report and is a result of my identity being compromised and used in multiple data breaches. It is also a violation of my rights and the reporting agency has violated my rights per the consumer credit/finance laws.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I've provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent letters off to XXXX XXXX, and eqifax on XX/XX/2022, and XX/XX/2022 and have not received a response. I also understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. its been over 60 days and still no response. 






1. Validate Account XXXX Account Number : Please remove this inaccurate information from my credit report. 

2. Validate Account XXXX XXXX XXXX Account Number : Please correct/update this inaccurate information on my credit report. 

3. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

6. Validate Account XXXX XXXX XXXX XXXX XXXX  Account Number : Please remove this inaccurate information from my credit report. 

7. Validate Account XXXX XXXX XXXX  XXXX  Account Number : Please remove this inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

I am reporting identity fraud and will list accounts that I fell victim to - XX/XX/XXXX XXXX XXXX balance {$20000.00} - XX/XX/XXXX XXXX XXXX balance {$1100.00} - XX/XX/XXXX XXXX XXXX Balance {$2700.00} - XX/XX/XXXX XXXX XXXX XXXX Balance {$1900.00} - XX/XX/XXXXXXXX XXXX XXXXXXXX Balance {$6300.00} - XX/XX/XXXX XXXXXXXX XXXX Balance {$29000.00}
Product: Credit reporting or other personal consumer reports

the companies have lest on my credit report accounts that are clearly not mine and i have requested verification and asked for them to be deleted such as american honda XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I think FCRA 605B requires the deletion of incorrect accounts from my credit report. Can you examine the documents? There are inaccuracies in the listed accounts, including wrong reporting of amounts and dates.
Product: Credit reporting or other personal consumer reports

I was stunned when I saw this morning that inaccurate accounts had suddenly appeared on my credit report, and I cant understand how. I check my report routinely, and this time, these errors showed up out of nowhere. I thought it might just be a browser glitch and refreshed it, but the accounts were still there. The issue remained. Im asking that my documents be reviewed carefully so that I wont have to worry about these kinds of mistakes again.
Product: Debt collection

I moved out of state in XX/XX/XXXX therefore, Insurance for my vehicles was canceled with XXXX and they kept charging my account without consent they also took a downpayment to renew without a signature and charged my bank acct. XXXX   XXXX XXXX has provided a permanent reimbursement and felt that they were owed {$210.00} this reversal was paid to XXXX and I have all the written proof from the bank that they honored my fraud claim and also paid what they felt was " owed to XXXX '' XXXX now sold my information to an outside collector that has been harassing me and they are not even willing to hear me out I am trying to show them proof and asked for management and they are extremely vulgar and lack of mannerism towards me and unwilling to accept literature as proof from me and my bank. I have all the proof and now attaching to this claim.
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Complaints against Equifax 1. I have reported address removal from my credit report twice, and been told corrected XX/XX/XXXX and XX/XX/XXXX. I filed third dispute request today. 
2. I was part of the XXXX Equifax breach with claims up to {$20000.00}. I have field and under review for damages to credit, changes in mortgage needed, attorney fees, etc. Of course that breach is tied up in legalities for undetermined amount of time. My score reported to banks and lenders was artificially low in XX/XX/XXXX ( and for undetermined amount of time prior to that ) causing severe consequences to my financial well being. 
3. It appears that I have been part of a second breach, and Equifax has not responded or given recommended course of action. On XX/XX/XXXX, credit companies and Equifaxs website show a sudden drop in my credit score of 32 points without explanation. I spoke with Equifax on XX/XX/XXXX and they are unable to see the score change in their system. They have no explanation for my actual score they have on record and the score that is reported publicly to banks and lenders. They also have not provided any direction for correction. 
a. Note XX/XX/XXXX, I began dialogue with the Cyber Crimes Division at the XXXX XXXX office to look into extremely comprised accounts with XXXX and XXXX that have potentially and likely affected bank accounts, telecommunications with XXXX and XXXX Link, business and personal information, social media/false dating profiles, etc. Both XXXX and XXXX put in writing that I need their assistance to correct. An agent in the XXXX XXXX office has agreed to look into. 
b. FBI and Secret Service both directed me to the FTC to resolve the Equifax issue, and they directed me to you. 
c. If reflected credit in public/banking systems is artificial and inaccurate, I would look into third party reporting agencies, such as XXXX XXXX in XXXX, CO.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Violation of FDCPA ( 15 U.S.C. 1692g ) by Equifax Dear Sir or Madam, I am writing to formally file a complaint against Equifax for providing inaccurate and misleading information on my credit report, in violation of Section 809 of the Fair Debt Collection Practices Act ( FDCPA ), codified as 15 U.S.C. 1692g. 

Upon reviewing my credit report, I noticed that Equifax is reporting XXXX XXXX XXXX ( XXXX ) as the original lender for a debt account. This information is inaccurate and deceptive, as XXXX XXXX XXXX is a debt buyer and not the original creditor. 

Under 15 U.S.C. 1692g, consumers have the right to receive accurate and clear information regarding the original creditor of a debt. Reporting XXXX XXXX XXXX as the original lender constitutes false and misleading information, thereby violating my rights under the FDCPA. 

Details of the Complaint : Credit Reporting Agency : Equifax Account Holder Name : Account Number : XXXX Date of Report Retrieval : XX/XX/year> Violation : XXXX XXXX XXXX is listed as the original lender instead of identifying the actual original creditor. 

I have attached copies of my credit report highlighting the error along with any relevant correspondence. 

Requested Resolution : XXXX. I request an immediate investigation into this matter. 
XXXX. I request the removal or correction of the inaccurate information. 
XXXX. I request confirmation in writing of the resolution of this dispute. 

If this issue is not addressed promptly, I will have no choice but to escalate my complaint further. I also reserve the right to seek legal remedies for this violation of federal law. 

Please confirm receipt of this letter and provide updates on the status of my complaint. I look forward to your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I have 5 Auto Loans on my profile that seemed to have happened at the same time. I never purchased one vehicle more less 5
Product: Debt collection

I have had representative XXXX XXXX call my business phone after advising multiple times to remove my business phone from their records but they continue to call and harass and are borderline stalking. They are rude, invasive and frankly their collection tactics are XXXX like as represented in their need to sale to companies to collect debts. They have threatened to add my debts to my husband 's credit and debts that were established prior to our marriage. This is illegal and they have no right to do this. This company is absolutely rude and their workers insult and will talk over you, hello you called me to collect a debt and being rude and invasive will not help you accomplish this.
Product: Money transfer, virtual currency, or money service

On Monday, XX/XX/year> my physical debit card was canceled automatically by Chase bank due to a fraudulent charge attempt and a new card was being sent to me via mail. 

While awaiting my new card, I only had access to my checking account with Chase ending in XXXX, through a digital card provided by the Chase Mobile app. I had bills past due as I work a 9-5 job Monday-Friday and could not make it to a branch to deposit cash I had. 

On XX/XX/year> I used my digital Chase card with my pin to access my account via a Chase ATM outside of the branch location on XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, at approximately XXXX. I was able to login and enter my pin number and select the " Deposit Cash '' option. The ATM cash insert slot opened and I deposited {$800.00} in the ATM. 

The ATM continued to make a humming sound and the screen stated to call " Customer Service. '' It did not print out a reciept for the money I just deposited and I immediatly called Chase to inform them of the error. 

After speaking with the representitive, she told me that no one was available to go to the ATM and get my money back. I told her I would wait at the location until it opened at XXXX. She stated the tellers could not help me and that was a seperate entity from the bank. She was able to provide me with temporary credit of {$800.00} until the claim was closed. 

On XX/XX/year>, Chase Bank took {$800.00} from my account and said they where not able to locate the cash deposit in the ATM. I was extremely upset and told them I wanted to see the video footage and asked them if they saw me depositting cash. She was not able to provide that information to me and did not say anything. I have asked them to provide me footage of that date and time and they continue to say they can not help me.