23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

It started with being approved through Road Loans/Santander Consumer for a the purchase of vehicle. I was referred to XXXX XXXX XXXX in XXXX XXXX, CA. I was quoted and told I was approved for a loan, with a certain interest rate, monthly payment and no down payment. I signed the contract and left with the XXXX Mazda. I was called the next day saying my loan was n't approved and they had a new contract. the interest rate was higher as was my monthly payment. I was also told I had to come up with a {$1000.00} downpayment that I had n't needed to before. From the start everything was wrong, my first payment was n't supposed to be due until XX/XX/XXXX and by XX/XX/XXXX I was fighting with them as to not applying my payments correctly. I receive multiple calls throughout the day and you can never reach the same person twice. They wo n't respond via email for documentation either. Well, finally in the Spring of this year, I was told I was assigned an account manager, XXXX. I explained everything that has gone on, with the payment due date and being told that I could move a payment to end of the loan. He said eh would have 2 payments moved to the end of my loan and told me that as long as I made at least the minimum of {$180.00} monthly I would remain current. Then it all started again a month ago, tell me I 'm over 60 days behind, they are misreporting to the credit bureaus too. I ca n't ever reach my supposed account manager, no one I ever speak to seems to document the conversation. They are unwilling to review to lower my interest rate or working with me. I am working in cleaning up my other financial issues since I filed bankruptcy last year and I ca n't get a refi with a legitimate lender until I can clear up the other issues. I simply want them to honor was I told, about moving the two payments to the end of my loan and properly applying the payments received. if this is done, I will be current. After much research, I see that Santander has several complaints for similar issues. I wish I had never been in a position to have to do business with them!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : CCS Collections Acct # 88 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.

15U.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.

These inaccuracies are stopping me from getting a house for my family and car for kids.
Product: Credit reporting or other personal consumer reports

After being released from XXXX  in XXXX I obtained a copy of my credit reported and noticed someone has been accessing accounts in my name. My personal information was compromised including my driver 's license and social security card during my incarceration due to my prior living arrangement. I contacted XXXX, Equifax, and XXXX via phone and mail in XX/XX/XXXX and XX/XX/XXXX in attempt to get this issue resolved. I have not received a response. These accounts and credit inquiries are impacting my credit and preventing me from getting a home. Furnishing this information to my account is in violation of 15 USC 1681B and 15 USC 1681 C-2, not only have I not given any permission or any written consent to furnish this information. Furthermore, no accounts or inquiries should be furnished to my credit profile due to identity theft. These accounts that I am referencing are, XXXX XXXX XXXX XXXX XXXX I have no affiliation or knowledge of these accounts. I also noticed inquiries that I have not authorized such as XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have initiated several disputes with the major credit bureaus to resolve a glaring inaccurate account that is dragging my credit score down. XXXX XXXX XXXX XXXXXXXX is reporting 1. 180 day late status since XX/XX/2014, 2. reporting me 120 days late every month since XX/XX/2014 3. Shows my monthly payment as what the balance is and 4. Shows my terms a " 1 month ''.

Attached is my credit report pulled by the mortgage company, at the bottom of page 8 of 21 is where you will find the XXXX XXXX XXXX  XXXX. 

It seems that the credit bureaus will not investigate or fix an account because they are receiving monthly premiums for reporting regardless of what impact it has on the consumer 's financial health. 

I'm hoping this will help me fix this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And the violated my rights numerous of times. I demand the accounts listed below to be remove because According to 15 USC 1681 : I have the right to privacy and I did not give written permission to furnish these accounts. XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.. XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX Account # XXXX, has violated my rights. Account name XXXX XXXX  Account XXXX XXXX, has violated my rights. Account name XXXXXXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXXXXXX XXXX Account number XXXX, has violated my rights. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Consumer Loan

I have had nothing but problems with Security Finance. My main concern is that they would not accept payments from me in order to make sure I got late fees. Even after the loan was payed off I still had to pay late fees. I was treated very rudely screamed at, cussed out and I think this company needs to be investigated for unethical business practices. In my last conversation with the office the manager threated to place fees on my credit even though I had paid the loan off.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX, XXXX 2023 XXXX XXXX XXXX XXXX add a derogatory mark on my credit report per XXXX XXXX and XXXX. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX XXXX and i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX did not verify my debt validation and which shows XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rates for my house. A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX XXXX ) has completely violated my rights as a consumer and i'm requesting legal action to remove this account expeditiously. 

Account Name XXXX XXXX XXXX : Account # : XXXX has violated my rights. According to the FCRA 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 record of conviction 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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am writing to lodge a complaint against JPMorgan Chase Bank regarding their handling of my XXXX issue related to my account. Since XX/XX/XXXX, Chase has removed phone numbers and email IDs from my XXXX, preventing me from adding any new phone numbers or email IDs. 

I have contacted Chase multiple times to resolve this issue, but their responses have been inconsistent and unhelpful. Initially, they directed me to contact XXXX XXXX, then XXXX, and finally XXXX. After spending several hours and escalating the issue to a high level, XXXX confirmed that Chase had placed a restriction on my phone number ( XXXX ). XXXX assured me that they had not imposed any restrictions and that the issue was solely with Chase. 

When I contacted Chases customer service team, they claimed there were no issues with my phone number, email ID, online banking, cards, or any other services. Despite this, I am unable to use XXXX through Chase. I even visited a Chase branch and spent several hours there, but the issue remains unresolved. The branch staff informed me that it could be system issue because i'm holding multiple accounts. 

XXXX has confirmed 100 % that the restriction is not on their side and that Chase has added the restriction due to a supposed policy violation. However, Chase has not provided any clear explanation or resolution. This situation has severely impacted my ability to conduct transactions, as I was supposed to receive money through XXXX but can no longer use the service. 

I am extremely frustrated with the lack of transparency and support from Chases customer service, online team, Chase XXXX support, and even their executive office. It appears they are trying to cover up the issue rather than disclose the real problem. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and assist in resolving this issue promptly. I appreciate your attention to this matter and look forward to your assistance. 

Ref : Chase XXXX ID XXXX BBB Complaint : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, NC, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00}
Product: Mortgage

Today I attempted to set up automatic payments for my mortgage. After selecting my mortgage account and immediately upon selecting " Set up automatic payments, '' Chase 's website reported the following error : " One of the accounts you're using isn't eligible for this transaction. Please choose a different account. ( Error code : XXXX ) '' I contacted Chase mortgage by telephone and reached someone who would only identify herself as " XXXX. '' She told me she would call me back in a few minutes after she found someone who could help figure out the problem. I never heard back.
Product: Debt collection

Sent this company several request to prove that this is a valid debt as well as disputes with all major credit reporting agencies. 

LITIGATION I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists
Product: Checking or savings account

In XXXX opened a 360 savings account with capital one under the impression of a favorable interest rate and have only received rates of return in cents dollar amount it was misrepresented as high yield. Capital One Class Action Settlement XXXX Eligibility Requirements. You have account in Company under lawsuit between XX/XX/XXXX, and XX/XX/XXXX. Must be resident of America who had a credit card or Capital One banking account at the time of the hack. I have held multiple credit cards during these periods and checking and savings accounts. Capital One made the 360 Savings and 360 Performance Savings accounts look similar to confuse customers.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I disputed this issue with Equifax about my XXXX XXXX XXXX loan. It should not be coming up as my XXXX XXXX loan anymore because when I contacted that loan servicer, they said they had transferred the account to a different loan servicer run by the Dept. Of Education, XXXX. 

Despite the dispute I entered, I still do see both XXXX XXXX and XXXX on my credit report and that means I have derogatory marks/ additional information showing up twice on my credit report. The dispute results said that it was updated, but it still shows up the same on my equifax credit reports. 

Since XX/XX/year>, I have been in contact with XXXX, and they have deferred my perkins loan, as it shows up on my credit report. I have overwhelming amounts of evidence of this. I am also in constant communication with them because they are in the process of cancelling the loans. 

Moreover, the XXXX XXXX XXXX loan does not appear on my other two credit reports ( XXXX  or transunion ).
Product: Credit card

Capitol one increased my secured credit card from XXXX to a regular card with XXXX limit. During that time hinders of dollars of interest was charged. Capitol one purposely submitted late ACH transfer to my external payment method. At one point I paid XXXX to have the balance under 30 %. They again increased my limit putting me further in unasked for debt. Capitol one declined any assistance and closed my card. The card was closed in XXXX I called and they said the card would continue to accrue interest, fee, and late payment remarks on my credit report. I called XXXX and they told me the card would be closed. I have been wronged as a consumer, I never asked for this card. The institution failed to help me. Also they charged me XXXX  in fees which maxed and closed my credit card.
Product: Debt collection

XXXX XXXX from Midland credit continuiously calls my job even after I have asked him not to call my job. He is now XXXX family member calling them several times a day. They have had to turn their ringers off on their phones while at work because of the calls.
Product: Checking or savings account

Hello I opened an account with truist bank on XX/XX/2024 deposited one amount for {$2100.00} and another for {$50.00} when I set up account banker told me my funds would be available XX/XX/2024 couple days before I noticed my online access was closed when I called they said account was being closed due to fraud, I questioned what and they gave me a fraud number when I called them they proceeded to tell me they couldn't tell me over phone what was wrong something would be mailed explaining, l never received anything. Went up to the bank about once a week since then telling them to just close the account and mail the check, multiple people told me different things every time as to " what is going on with account '' and I was also told by one banker account would be closed end of XXXX and they would mail check would receive no later than one week into following month. Still no check and when I call bank, they proceed to tell me the account was still under investigation and said it was closed but was being investigated and have no idea anymore info than that and no idea when I will be receiving my funds or any information. I have tired every thing I have either called or went into a bank multiple times to resolve this and it seems nobody truly knows what's going on exactly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Various details ( account status, date opened, payment status, date of last payment ) about this closed Fed Loan Services account are inaccurate. They are reporting late payments also incorrect to the credit bureaus. These late payments have different amounts of days late across the credit bureaus as well as the open date on the accounts are incorrect. I challenged this information through XXXX, XXXX, and XXXX  and nothing was changed. I would like payment status to be update to paid as agreed.
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer. 

XXXXXX/XX/XXXXAccount XXXXXX/XX/XXXX Account XXXXXX/XX/XXXX Account XXXX XX/XX/XXXX Account XXXX XXXXXX/XX/XXXXXXXX XXXX Account XXXXXX/XX/XXXXAccount XXXX XXXX XXXX XXXX Account XXXXXX/XX/XXXX Account XXXXXX/XX/XXXX Account XXXX XX/XX/XXXX Account XXXX XX/XX/XXXX Account XXXX XX/XX/XXXX Account XXXXXX/XX/XXXX Account XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Account XXXXXX/XX/XXXX/ Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX states I was late in XXXX, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX. XXXX, XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX. XXXX, XXXX ( Original creditor XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on  XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I have had a freeze on my credit reporting with Experian, but today I was asked by my credit union to unfreeze so they can do a check. HOWEVER, when I try to refreeze, I am now required to pay a monthly fee!!!!!! WHAT?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 2. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 3. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 
4. The following status is Incorrect and unverifiable XXXX XXXX XXXX Account Number : XXXX Delete this account. 5. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 6XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 7. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 8. The followng information is incorect XXXX XXXX Account Number : XXXX Delete this account. 9. there is some inaccurate information reporting. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, LA XXXX 12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX, LA XXXX 13. there is some inaccurate information reporting. XXXX  XXXX Account Number : XXXX Please remove it from my credit report.