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

My name is XXXX XXXX, I have my vehicle financed thru Santander Consumer USA, they are telling me I am behind and that I have 5 missing payments! I sent payments in and I even went to my bank and showed the proof that I have paid with debit card using automated thru a fee with XXXX XXXX, Santander is saying that 5 payments were reversed and that my bank has reversed charges, my bank shows nothing being reversed! So Santander did an audit I faxed papers over showing from bank proof I payed! My bank is showing that Santander was paid and that I am not behind they are threatening repossession of my vehicle! I am just trying to figure out where my money is and that I am current on my loan, I work hard and I made my payments, talked to Santander and they want a letter from bank, bank has turned it over to their resulotion center, please help me keep my vehicle, the bank manager told me about you and said I should file complaint that you can help. This all started in XX/XX/2019, recieved letter from Santander that I was behind and threatened repo, on XX/XX/2019 I had a friend make a payment to keep me from repo and we payedXXXX, and thats my regular payment, I also noticed that my payments arent going to balance but going to interest and not principle of loan,, I agreed to make another regular payment on XX/XX/XXXX, sent another payment, then on XX/XX/XXXX I faxed paperwork from my bank and they still saying Im behind!
Product: Mortgage

I originated a mortgage with Guaranteed Rate. The close date was XX/XX/XXXX, or XX/XX/XXXX. My mortgage was then transferred to Freedom Mortgage. I have my homeowner 's insurance and property taxes escrowed into my monthly mortgage payment. I currently have a escrow balance of around {$4800.00} at Freedom Mortgage. My real estate taxes were due XX/XX/XXXX to the city of XXXX, Michigan. They have not been paid, and penalties and interest has accrued. The total tax bill that is currently due is around {$2800.00}. 

I first found out that my taxes were not paid on XXXX XXXX, XXXX. I just found out from Freedom Mortgage that the estimated payment date is going to be XXXX XXXX. The problem with this is that the City of XXXX is going to transfer my property taxes to XXXX County and a lien will be placed on my property. This is going to happen on XXXX XXXX. 

So, this is a very serious situation. I can not have this happen. I have been speaking to someone directly at Freedom for the past week. Her extension is XXXX. She said they escalated it to their claims department, but I can not get any further idea when it will be paid. I told them that my property taxes will be transferred to XXXX XXXX, Michigan on XXXX XXXX, but I am getting nervous as to if it 'll be paid. 

Please find something out or see if you can do anything to escalate this. 

My contact information XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Cell : ( XXXX ) XXXX
Product: Credit card

On XX/XX/2023, I reached out to Citibank and disputed the following charges : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$100.00}, and XX/XX/2023, XXXX XXXXXXXX XXXX XXXX, {$2.00}, as fraudulent not belonging to cardholder requested removal of charges and for a new card number to immediately issued. 

Citibank has refused to remove charges and give the cardholder a new account number, encouraging further unauthorized usage of card charges and accumulation of interest on fraudulent charges. 

Citibank is also making it impossible for the consumer to reach out by telephone to immediately dispute fraudulent charges and obtain new cards or account information placing the consumer in a telephone queue only to then disconnect the call.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed fraudulent activity on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Mortgage

I applied for a home construction loan through Zions Bank beginning XXXX of XXXX. It is now XX/XX/XXXX and after being strung along for more than 5 months and talking with several different people I still do not have a close date after receiving conditional approval over 2 months ago. One minute I was told it will be closed by end of XXXX, Then it went to the beginning of XXXX, Then I was told by the end of XXXX. It has been in Zion Banks underwriting department for well over 2.5 weeks and every time I call to find out what is going on I am told something different is causing the issue for the loan not to close. All the issues the bank keeps coming up should have been resolved during the beginning of the loan process before conditional approval. It is my belief that they are trying to string me along so they do not have to honor the locked interest rate of 3.125 %. I believe they are trying to let the rate lock expire so I have to pay a higher interest rate on the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You have really gone so far as to disregard my disputes. AGAIN, this state is unbelievable! Experian and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Experian so the reason we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let this fraudulent account distress my credit score. They should be complying with the FCRA guideline section 605b but I think they are unmindful about this matter. I contacted the bank and they agreed to remove the account from my file. I have already extended my obligation by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Experian. I have also enclosed a copy of my FTC report to them but still, they have overlooked it. They became slipshod of the FCRA law and sustained reporting this information on my Credit File deprived of Proper Validation of Investigation. I am an identity theft victim ; my identity was used without my permission so why cant you understand that? I want you to be responsive and DELETE this account that caused me so much trauma. 

XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX
Product: Payday loan, title loan, personal loan, or advance loan

1st Franklin Financial started calling me almost every day last 3-4 months.

Finally I decided to give them a call back.

They say they sent me a convenience check and I owed money to them.

I have been out of the XXXX  since the summer of 2015. 
There is no way I cashed a check from them. 
I gave them my email address and I asked them to send me the cashed check image. 
They told me they will send me the check image. 
This check I never touched or cashed. 
Now, I saw they inquired my credit report and reported a loan as if I owe money to them. 

I never cashed a check from them and I do not owe them money. 
Today they made a hard inquiry to my credit again. 
I do not know where do they get my personal info but they keep continuing to bother me.
Product: Credit card or prepaid card

I have a credit card with XXXX XXXX XXXX that I pay in person normally. The store has been closed due to COVID and I am unable to make payments in person. I have called them repeatedly but the phone call is ended before I am able to speak to anyone. I have also used the online chat function in early XXXX and was told someone would email me to follow up but was never contacted. I have no other way to make payments. My card now has several late payments and has been closed even though I have been attempting to make payments this entire time. I have since called back several times and have never had someone answer before the phone call hangs up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX, XXXX Account Number : XXXX, has violated my rights 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
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX  XXXX XXXX XXXX XXXX Balance : {$110.00}, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Equifax should immediately be offering a free freeze on your credit account if it was included in the breach. I should not have to provide profit to a company whom I never elected to do business with and has put my financial life at risk. Credit reporting companies can essentially force us to buy insurance, from them, to protect us against their poor security practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been pretty consistent with paying my bills on time. I'm saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see two XXXX accounts that are not mine. These items need to be deleted from my credit report.
Product: Credit card or prepaid card

A fraudulent charge appeared on my statement. I called the credit card company at XXXX XXXX  EST and spoke to XXXX. He wasn't at all helpful. He wanted to me to do things I was not comfortable doing.
Product: Credit reporting or other personal consumer reports

MY information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 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

National Credit Systems is reporting a debt on XXXX only. I have called to verify this debt and they can not find any account assigned to me when I provide my personal information including my social security number. I disputed the collection with XXXX and it came back only to update the amount owed by {$1.00} I spoke with an agent at said credit bureau who confirmed the collection agency contact information. 

Again, I called the collection agency, who still denies having any information about me or an account. I have never received a written notification about this. XXXX says they cant remove it and National Credit Systems says the same due to no record existing. 

This must be removed from my XXXX credit report by SOMEONE!
Product: Mortgage

I am requesting that the CFPB take a look at the excessive fees that are being charged by XXXX ( Lakeview Mortgage ). I have been behind on my mortgage for the last 6 months and I have been charged over {$45.00} a month for a late fee. This is abusive and excessive. If someone is struggling to pay their mortgage, why would they charge a borrower excessive fees which contribute to individuals falling further behind. I made a mortgage payment in XXXX but I was short by only XXXX dollars, yet I was charged a late fee and a return item fee of {$25.00}. 

Almost {$100.00} being charged to me as a borrower. When I tried to apply for mortgage assistance online, the XXXXLakeview website freezes. I think their website doesn't work on purpose. I had to make the last payment by phone due to the ineffective website. 

Please cap these excessive fees from XXXX/Lakeview. They are raking in record profits and the consumer is hurting. The economy is only getting worse and there is no one there to help the low and moderate income Americans.
Product: Credit reporting

I was charged by Experian every month for membership that I did not agree to. I signed up for a 1 dollar credit report and instead I was charged {$22.00} a month for five months. I never agreed to this. Experian stole around {$88.00} from me.
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C 1681s-2 ( A ) ( a ) 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. 
Delete the accounts below : XXXX Card Services XX/XX/XXXX XXXX Card Services 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

i recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. 
Please remove these accounts from my report. They are hurting my ability to obtain credit. I do not recognize these accounts and did not authorize them. They are reported by third party,
Product: Credit card

Incorrect and untimely billing statements : I currently receive paper bills from Macys, but I make payments online through my Macys account. I have noticed over the last year that my payment dates have been mixed up but thought maybe it was just me mixing up dates. 

In XXXX I received my paper statement from Macys with a payment due date of XX/XX/2024. I made a note of the due date and I went in to make a payment on XX/XX/2024 only to find that the due date showing online was XX/XX/2024, which caused confusion. 

This has happened multiple times over the last year which has caused me stress, late payments and incorrect credit reporting that I have made late payments. 

Macys needs to issue correct statements that match online and through mail. I typically shred my statements after I make note of the due date since I make payments online.

These practices directly harm consumers who are already dealing with inflation. Paying late fees and getting incorrect credit reporting is very harmful.

Please investigate this further and demand that Macys do the right thing and correct its billing statements and issue refunds to consumers who have been harmed with late fees and negative credit reporting.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding the inaccurate reporting and improper charge-off of my auto loan account with XXXX XXXX XXXX XXXX XXXX I have been making payments on my auto loan for the vehicle financed through XXXX XXXX XXXX XXXX. My current balance, according to my latest statement from XXXX XXXX XXXX XXXX dated XX/XX/year>, shows a remaining balance of {$10000.00} However, my credit report inaccurately reflects a balance of {$14000.00}. Additionally, the account has been improperly marked as charged off despite ongoing payments. 
Violations : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) : Creditors are required to report accurate information to credit reporting agencies. The discrepancy in the balance and the incorrect charge-off status violate FCRA requirements.

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 : By reporting inaccurate information and failing to correct it, XXXX XXXX XXXX XXXX is engaging in practices that cause undue harm and stress to me as a consumer. 
I have contacted XXXX XXXX XXXX XXXX to dispute the reported balance and charge-off status, providing proof of ongoing payments and account statements as evidence. 
I have also sent dispute letters to the credit bureaus, requesting the immediate correction of the reported balance and removal of the charge-off status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported. Please provide the information or take this account off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Dates of XX/XX/XXXX and XX/XX/XXXX i sent a letter To Gm Financial regarding inaccurate and uknown things on my credit report. To this day over 60 days later i have not recieved a response yet.i feel like i am being taken advantage of as a consumer. And my dispute is being ignored. 15 U.S. Code 1692e.False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

Section 611 ( a ) it plainily states that failure to invesitgate wihtin 30 days gives reason to immediatly remove these items from my credit report.Should be deleted promplty. I demand accounts to be deleted immediatly or i will file for district court claims due to stress and hardship and XXXX data breach i have been impacted aslo in the wrong hands. Remove immedialty
Product: Student loan

I am on income driven repayment and received inadequate notice from my servicing company regarding the critical deadline that was approaching for my annual recertification. I received absolutely no US Postal mail from the company, no phone calls, or text messages. The only notification I received  was an email on XX/XX/XXXX with the unspecific subject " Action Required : View the message in your Paperless Inbox and take action! '' Unfortunately this email was received after my loan servicer had already capitalized all my outstanding interest ( interest capitalization occurred on XX/XX/XXXX ), and had also increased my monthly payment from {$320.00} to {$2300.00}. I received no notification from the company that either of these two major changes to my account had taken place. I had to discover these changes for myself by logging into my account. Upon calling my servicer on XX/XX/XXXX, I was told my only option was to go into forbearance while they reviewed my now submitted ( submitted XX/XX/XXXX ) annual recertification I was also told to call my bank and do a stop payment for the payment that was due the next day. I did inform my servicer that I could still make a payment, just not the full {$2300.00}. My servicer told me that there were absolutely no negative ramifications from going into forbearance. After my initial call is when I discovered that the interest had already been capitalized. I called my servicer back ( still XX/XX/XXXX ) and they said there was nothing they could do to undo the capitalization of interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that there are many unauthorized and unverified inquiries. The 3 credit bureaus must delete these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries. The following inquiries need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/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