23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint pursuant to the FAIR CREDIT REPORTING ACT AND THE FAIR DEBT COLLECTION PRACTICES. The following accounts have violated my federally protected consumer rights to privacy and confidentiality under the law. As pursuant to 15 U.S.C. 1681. 
/ :. XXXX ACCOUNT NO : XXXX / :. XXXX ACCOUNT NO : XXXX / :. XXXX XXXX ACCOUNT NO : XXXX In accordance to 15 U.S.C. 1681 SECTION 602 A. STATES I have the right to privacy. Also 1681 section 604 A section 2 : states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 crime which antedates the report by more than seven years, agency can not furnish an account without my written instructions.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 cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well I checked my report and figured out inquiries that are not mine. Its a mistake and inquiries that are not mine appeared in my credit report. Also in some bureaus I do not see them and some report inaccurate information. How that possible that some bureaus reporting wrong information? I believe I am a victim of identity theft otherwise I can not understand and I do not recognize these inquiries. Please remove these inquiries because I am not connected to the them absolute.
Product: Student loan

In 2017 and currently ( two separate occasions ) this company has unfairly and incorrectly handled my credit information. 

Most recently I made an attempt to call FEDLOAN Services and spoke to a representative. In which we discussed the amount and date of my current student loan. 

Because of a job switch I communicated that I needed to change the date of this specific payment. 

To which I have just checked my credit score ( after years of trying to rebuild from their first error fresh out of college ) and they have reported my loans 31 times.
Product: Debt collection

In XX/XX/XXXX, National Credit Systems submitted a collection item to XXXX, XXXX, and XXXX. National Credit claims that a balance of {$1200.00} was due to XXXX XXXX ( the original creditor included in the debt collectors submission to the credit bureaus ), however, no such account has ever existed with XXXX XXXX. 

National Credit System has sent a move out statement for an apartment that I lived in from XX/XX/XXXX to XX/XX/XXXX. There should not have been an outstanding balance due to my landlord ( XXXX XXXX XXXX ). A security deposit of {$2900.00} was paid on XX/XX/XXXX ( see page 29 of 73 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX are fraudulents on my following accounts : XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX Inquires from following accounts are frauds 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, credit repair services, or other personal consumer reports

In XXXX I purchased XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX NC. The bank that financed the vehicle was XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX, Va XXXX, phone # XXXX. The problem is that XXXX XXXX XXXX and XXXX banks merged to become XXXX XXXX. In the last part of XXXX, early XX/XX/XXXX two credit lines for {$39000.00} each. The account number with XXXX  account is XXXX. The account # for XXXX ends in XXXX. I have two credit lines for {$39000.00} on my Equifax credit report. I contacted the credit bureau by electronic dispute, several times in the last three months, but they keep stating that the creditors are reporting the information correctly each time. Therefore, I went by the XXXX local branch and also two different XXXX, NC branches for them to correct the problem. On XX/XX/XXXX I paid the XXXX XXXX XXXX off, because all the phone calls, all the visiting the local branches was causing me XXXX and XXXX, I also sent a certified usps letter, with details about the accounting error the banks had made on my Equifax credit report. Once I paid the vehicle off, I thought both banks would report to Equifax properly and with the correct accounting information for both errors on equifax, which created more debt, unnecessarily on my credit which causes other credit problems, debt ratio and false information being reported as accurate. The case number # XXXX for the letter I recieved from XXXXXXXX XXXX, XXXX XXXX Department, XXXX XXXX XXXX, XXXX, NC XXXX, dated XXXX. The XXXX XXXX stated that the two accounts information is being reported correctly and there are no changes necessary. They stated that the information I am disputing was furnished correctly. Equifax as of XXXX is still reporting false information that it appears that the XXXX XXXX  is providing. The bank is wrong and I feel bad, XXXX, and XXXX because I can not get the bank or the Equifax Credit Bureau to do the just, proper, or right thing based on the merger and cosumer contract law, and the violation of the law under FCRA and the consumer protection act of USA. I am requesting some results and some correction and some pay, if my case meet the criteria for me to get paid by the bank and the Equifax credit Bureau.
Product: Consumer Loan

XX/XX/XXXXCFPB, When trying to buy my first home I was denied by USDA for the reason of a charge off and closed account by Santander Consumer USA. 
Years ago I thought my mother and I had paid off our car loan of {$24000.00} with Santander Consumer USA but according to XXXX we still owed {$6700.00} in late charges and interest. At the time my mother and I were confused how this could be but still wanted to work with Santander Consumer USA and pay what we owed. We asked Santander if we could make payment arrangements and was told by Santander Consumer USA that the loan had reached its term and we could not make payment arrangements so we had no choice but to let them take the car and sell it. Next thing we knew Santander showed up on our credit report as a charged off closed account. Never less that 's not what 's most important to me but what is important to me is what Santander Consumer USA did to my XXXX year old mom. In the last 12 months of our loan with Santander Consumer USA, they proceeded to harass my XXXX year old mother by calling her every day, every hour of the day to the point of breakdown and tears. I remember my XXXX year old mother calling all of her children many times saying that she is unplugging her phone for the rest of the day for Santander consumer USA would not stop calling her with the mean, swearing, intimidating and threatening words and she was too ill to fight back. I was so upset with Santander for doing this to my mother that I pleaded with them many times to leave her alone and just call me sense I was the cosigner on this loan, so they did start calling me at my work every hour for weeks & months but what angers me the most is that Santander consumer USA never stopped calling my XXXX year old mother until her death XX/XX/XXXX. For what? Late charges ... .. My mother and I would have never defaulted on this loan and is why we paid six years on this loan and still Santander Consumer USA would not work with us. 
When being denied this week for my first home loan for reasons be on my control it brought back horrible haunting memories of the past with Santander Consumer USA. I would like justice for my mother, XXXX XXXX XXXX who now rest in peace. 

Thank you,
Product: Credit card

Chevron Gas Texaco continues to use deceptive practices by increasing the minimum payment even if you make a payment. They start with {$25.00} minimum and then continue to increase the minimum each month. Even if you make a payment, if it does n't meet there minimum amount, they will charge you a late fee of {$40.00} dollars and then they increase the minimum payment again until you are unable to make the minimum payment. Even if your account is closed. I now have a minimum payment of almost {$200.00} even though I have made a payment. The company issues the credit cards from Synchrony Bank and they are the ones who collects the payments. My account has been closed for about 6 months and they make it impossible to pay off the balance by continuing to charge outrageous charges, minimum payments and late fees. Last, they report you to the credit bureau, even if you make a payment. They state that if you do n't make the minimum payment, it 's considered you did n't make a payment at all.
Product: Credit card or prepaid card

On XX/XX/2019 a settlement agreement with Citibank re : XXXX Credit Card was settled in the amount of {$3000.00} and payment was remitted. 

Citibank accepted this settlement payment and then sold entire debt to XXXX XXXX in XXXX. 

As of today, Citibank states that they have sold the account to XXXX XXXX and will not provide proof of settlement payment in full letter as requested. Per Citibank they have no records because account has been sold and has informed me that I must speak to XXXX XXXX. 

On XX/XX/2019 at XXXX am, Citibank was faxed proof of payment in addition to settlement agreement letter. As of XX/XX/2019 Citibank states that they do not have proof of receiving this fax and they have no proof of me starting a dispute with them. 

I am receiving letters and today I received a phone call from XXXX with XXXX XXXX stating if I didn't work out the payment they would be sending this to a lawyer for arbitration thus threatening me to remit payment. I repeatedly informed her that I would not be making additional payments on an account that I settled.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Commonwealth Finanancial is in violation of my rights. This is my 4th complaint to the CFPB. Commonwealth
has responded to each complaint in writing claiming that they will remove these accounts from my credit report.
After finally doing so from all three bureau 's, they have come back and put them back on my XXXX  credit report a week later.
By doing so they have damaged my credit scores tremendously I have not received any notice from them and therefore they are in violation and facing law suit.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer Social Security Number : ( XXXX XXXX ), Consumer Date of Birth : ( XXXX XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 1. XXXX XXXX XXXX Original creditor : XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$65000.00} XXXX. XXXX XXXX {$77000.00} XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXXXXXX {$20000.00} XXXX XXXX XXXX XXXX {$8600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I sent a letter requesting verification of this debt. I received a billing statement. I am looking for a signed consumer contract saying I indeed owe this debt.
Product: Credit card or prepaid card

XXXX XXXX XXXX / Barclays Incompetent, unprofessional, uncaring, unprepared, arrogant, Just can't be summed up with one word. They cashed a large payment ( {$28000.00} card is used for personal and business ) on XXXX payment was due on XXXX they have no idea where it was posted to, and are telling me it could take up to XXXX billing cycles ( 60 days ) to find out, really. In the meantime, unless I were to send them more money my card is dead. We sent them a copy front and back of the check showing they deposited it on XXXX. They are to stupid, aloof, and arrogant to be able to figure it out, could care less that I have that card tied to several repetitive payments. One would think there might be XXXX person with some business acumen in this company of elitists and would say, Yes XXXX XXXX we can see where we cashed your check and we will honor all charges until we get to the bottom of this issue, Noooooooooo instead I get a run around from a bunch of robots. I asked for a manager instead I got a series of mindless robots and was told the " manager '' was in meetings, sure he was. We do pay {$500.00} per year for what???! As soon as I get my money back this card will be cut up into very small pieces, and a giant XXXX to Barclays.
Product: Credit reporting, credit repair services, or other personal consumer reports

I complied with a notarized letter to all three credit bureaus so that can report correctly.. 

What is the 15 USC 1635 right to rescind auto loan?

1635, allows obligors a no questions asked right to rescind certain consumer credit transactions within a proscribed time period. Where a lender has provided an obligor with proper disclosure of credit terms, the obligor shall have the right to rescind the transaction until XXXX  of the third business day.
Product: Student loan

I have an agreement for sutomatic withdrawl of {$180.00} from my checking account to service the  Navient  loan. However this month  Navient  withdrew {$460.00} from my account WITHOUT my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed that my information was breeched. I was advised that I should get a credit monitoring service. Then I discovered a bills with XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX that I was not aware of. 

XXXX XXXX XXXX dated XX/XX/2019 {$50.00} XXXX XXXX XXXX dated XX/XX/2019 {$200.00} XXXX XXXX XX/XX/2019 {$500.00} XXXX  XXXX {$59.00} XXXX XXXX XX/XX/2019 {$15.00}
Product: Bank account or service

USAA promised they would not charge Foreign Transaction fees when they forced customers to switch from Master Card to Visa. They are now saying that this only applies to the credit cards. They have done a bait and switch and deceived customers. It is documented several times in USAA communities that there would not be Foreign Transaction fees for Visa cards.
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. 
XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, CXXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ), XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

I looked at my Experian 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 generallf, after any reinvestigation under paragraph ( 1 ) 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 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 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. I had disputed this account on XX/XX/XXXX and I received no status regarding the investigation and then I disputed it again XX/XX/XXXX and received an email saying the investigation was complete, but there are no details regarding what they investigated or why nothing was changed.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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
Product: Debt collection

A customer rep calls me on behalf of McCarthy, Burgess & Wolff representing their client XXXX to collect on a final bill that they claim was not settled. The representative did n't even have a copy of the final bill available to send to me to review. I had already settled the issue with XXXX, and termination fees were removed, but then they added the fees again to my account. I had been swindled by a customer service representative to sign up for a contract plan that required me to pay for 24 months of service. If I cancel service, they wanted me to pay for {$800.00} in  termination fees. They lied to me when they signed me up for the service initially because I specifically told them I do not want to sign for a contract because I was a new business and did n't want to be locked into anything.
Product: Mortgage

On XXXX I received my escrow statement from my mortgage company, Service First Mortgage, saying that there was a shortage in my escrow account of {$9100.00} and thus my monthly payment was going to increase to {$2900.00} from the original payment of {$1800.00}. When I contacted the company they said that the vast majority of the increase was due to an increase in school taxes. I contacted several other residents within my neighborhood and within my county and they said that they had no such increase. When I called the company back and spoke with a different person they said the same thing and insisted it was correct and no error had been made. They said that this was my current payment and that no assistance or extensions could be offered. This new payment is obviously an error or everybody else in the area would've had an increase to their school taxes as well and a similar jump in their mortgage payment. Without immediate correction I am going to default on my loan because this has made it unaffordable. I am going to try again to contact the company on Monday, but as it stands I am going to lose my house and destroy my credit. I do have the XXXX XXXX on the house and it was applied for when I bought the house in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX had incorrect information in our credit reports. We have been undertaking an extensive, multi-month process to get this information correct ; however, different financial institutions continue to receive wrongful information that is on our credit report. According to the FTC website we are entitled to a free copy of the corrected credit report once the investigation is completed and the wrongful information corrected ( from https : //www.consumer.ftc.gov/articles/0151-disputing-errors-credit-reports ) : " When the investigation is complete, the credit reporting company must give you the results in writing and a free copy of your report if the dispute results in a change. This free report does not count as your annual free report. If an item is changed or deleted, the credit reporting company can not put the disputed information back in your file unless the information provider verifies that it is accurate and complete. The credit reporting company also must send you written notice that includes the name, address, and phone number of the information provider. '' Both XXXX and XXXX   have failed ( thus far ) to provide us with these mandatory corrected reports.