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

Why are they charging me a daily per diem of {$9.00} on my auto finance. That fee is not even on my contract that i signed from the dealership.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account with XXXX XXXX XXXX, XXXX. They failed to complete the investigation that was submitted online XX/XX/XXXX ) and via mail XX/XX/XXXX to XXXX. I received a letter dated XX/XX/XXXX from XXXX requesting that I provide them with documentation and it also stated that they would not contact me until they complete the investigation. I initiated the request to investigate and provided documentation to XXXX by mail on XX/XX/XXXX. XXXX obviously failed to share the documentation. I also provided them with documentation from XXXX XXXX ( the company they are collecting for ) that stated I am not responsible for the debt. The documents were not shared with the collecting agency, XXXX. The letter I received is an effort to extend the 30 day timeline. I was alerted today XX/XX/XXXX via  XXXX XXXX that my investigation was complete because the information was verified. In my letter, I requested validation and verification of my debt. I did not get that. Also, XXXX is closed on XX/XX/XXXX so how was my investigation closed? Also, I believe I have fought this for over 7 years. I believe the statue has also run out. But they have not submitted verification of that either. Lastly, I do not believe XXXX XXXX XXXX is licensed to collect in my state. The company does not have my state on the webpage as a licensed state. I have disputed the same account with all 3 agencies and I have had the exact same result. Not proven to myself. Not verified to me.
Product: Vehicle loan or lease

My son XXXX XXXX is deceased since XX/XX/XXXX. They came and repossessed the car with all my son, daughter and grandson possessions without notification. I spoke with them approx. XXXX XXXX last year when I was told to email death certificate. I did. Santander contacted me on XX/XX/XXXX to collect on a deceased person debt. This is harassment. I have seen several calls from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 complaints. Today I received an updated copy of my XXXX  and TransUnion credit reporting. XXXX XXXX XXXX XXXX had agreed XXXX to remove the delinquent information off my credit reports. It did delete off TransUnion however it is still reporting and updated on my XXXX credit report. It is showing {$6600.00} charge off loan. The bank had agreed to remove it. My next issue is XXXX   XXXX XXXX is also still reporting. This account was opened in XXXX and I was told by legal counsel that after 7 years the statue of limitations is in effect. I was also advised it is from the date of first reporting which was XXXX we are in XXXX this information is outdated and should not be appearing. For some reason they ( XXXX  XXXX XXXX ) keeps updating for other years which causes this fraud account to keep reappearing
Product: Mortgage

I received a mortgage forbearance on my property in XXXX due to covid related reasons. Fay serving stated that the forberance period would be for three months but I have not been contacted on how these payments will be handled at the end of the forbearance period. The investor on my loan is a XXXX XXXX and not a GSE so I am concerned of a sudden balloon payment at the end of the forbearance. 

The online information on my account is rather terrible and not congruent with paper statements I have been receiving. There is also a fee/charge on {$430.00} on my paper statement that Fay has never explained and have told me in previous conversations would be removed from my account.
Product: Student loan

When the Student Debt Relief plan was announced, I called my loan servicer, Fedloan, on Saturday, XX/XX/XXXX to request a refund of student loan payments that were made during the forbearance period. 

I spoke with XXXX ( ID # XXXX ) who informed me since there were three payments, she would have to put in three different refund requests. The three payment amounts were XXXX, XXXX, and XXXX. She mentioned there wasnt a definite timeline as to when to receive the refunds, but it could be anywhere from two weeks to two months. 

I received two checks from the Department of Treasury on XX/XX/2022 : one for XXXX ( Chk. # XXXX ) and another for XXXX ( Chk. # XXXX ). As of XX/XX/2022, I have yet to receive the third refund of XXXX and its been more than 60 days. 

On XX/XX/2022, I called XXXX to inquire about the refund, and they still did not have my complete account information. I instructed them to add a note that I was awaiting a third refund in the amount of {$26000.00}. 

On XX/XX/2022, I called FedLoan to inquire about the status once again and the rep I spoke with, XXXX, explained that since my account had been transferred to XXXX, they no longer have access to any information regarding my account and instructed me to call XXXX. When I contacted XXXX, the rep I spoke with explained that since they werent the servicer that put in the request, I would have to call FedLoan. 

I have not been able to get a response or a concrete answer about the status of my third refund.
Product: Debt collection

Called my wife on her cell. About a student loan my FATHER DECEASED SINCE 1991 took out. Perhaps for my education. She somehow had my SS data but wrong birth date etc. But again kept calling my wife. Saying wage garnishment XXXX etc. Then asked income questions AND wanted paystubs. 

How did she get my wife 's number. Never met my father. Just seems odd
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, authorized this dispute to address numerous violations of the Fair Credit Reporting Act ( FCRA ) and other related laws that have occurred in my case. These violations stem from the mishandling of my credit report, unauthorized inquiries, and the reporting of inaccurate information. Here 's a summary of what transpired : Willful Noncompliance ( FCRA Section 616 ) : Credit information about me was accepted and reported without first verifying its accuracy. This constitutes willful noncompliance and carries potential civil liability.

Failure to Disclose Opt-Out Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : I was not informed of my right to opt out of the sharing of my personal information, which is a direct violation of the law and my consumer rights.

Furnishing Deceptive Forms ( FCRA Section 623 ( a ) ( 3 ) ) : Inaccurate inquiries and accounts were furnished to my credit report without proper validation, leading to deceptive reporting.

Debt Collection Practices Act Violations : Unfair practices, including reporting inaccurate debts without my consent, caused unnecessary distress and harassment through improper contact by creditors.

Improper Disclosure of Debt Information : My debt information was shared with third-party credit reporting agencies, violating regulations that prohibit disclosing debt details to unauthorized parties.

Inaccurate Late Payment Reporting : Late payments were reported on my credit report without a clear definition or proof of what constitutes a late payment, leading to deceptive practices.

Incorrect Finance Charge Determinations : Finance charges were inaccurately determined, violating responsibilities outlined under consumer credit laws.

Reporting Without Permissible Purposes : Information was reported on my credit report without my written consent, contravening permissible purposes established by the FCRA.

Demands for Resolution : I have specifically identified accounts and inquiries where the violations occurred. For each instance of inaccurate reporting or unauthorized entry, I am demanding immediate correction or deletion. I have also cited specific U.S. Code laws relevant to each violation, including : 15 U.S. Code 1666c : Prompt and fair crediting of payments.

15 U.S. Code 1681e ( b ) : Compliance procedures for maximum possible accuracy.

15 U.S. Code 1681n : Civil liability for willful noncompliance.

15 U.S. Code 1692g : Validation of debts.

If proof of accuracy can not be provided for late payments or other discrepancies, I expect the accounts to be updated to " paid as agreed, never late. '' Unauthorized and inaccurate accounts, inquiries, and debts should be removed immediately.

Failure to resolve these matters will leave me no choice but to pursue legal action under the protections and remedies available through the Fair Credit Reporting Act.
Product: Mortgage

XXXX XXXX Bank attempts to foreclosue on property. XXXX XXXX XXXX XXXX XXXX Bank Processor stated Bank of America was holder of promissory note/ mortgage deed.XXXX Bank was lender of property until FDIC take over XXXX XXXX Bank in 2009 and sold XXXX XXXX Bank to XXXX XXXX XXXX XXXX Bank XXXX Held conference with XXXX Bank reported mortgage accounts were sold to Bank of America. Conference with Bank of America revealed mortgage loan was not with Bank of America. XXXX XXXX Bank informed Bank of America that mortgage account was with Bank of America in memo. Another memo stated mortgage loan was with XXXX Department of Bank of America. None of Bank of America Executivesknew about a XXXX Department in Bank of America. Bank of America President XXXX XXXX XXXX, Ceo Executives reported no knowledge of XXXX Department. XXXX XXXX Bank nor Bank of America nor XXXX Department. Appromimately XXXX Bank of America personnel including executives have reported Bank of America is not lender on mortgage loan. Several Bank of America executive have reported not to know anything about XXXX DEPARTMENT OF BANK OF AMERICA. XXXX XXXX BANK REPORTED IN MEMO THAT THEY DO N'T HAVE NO CONTACT NUMBER TO XXXX AND ALSO BANK OF AMERICA REPORTED THEY HAVE NO CONTACT NUMBER XXXX ... NOW QUESTIONS : I AM REQUESTING COPY of original promissory note I AM REQUESTING COPY of mortgage or deed of trust I AM REQUESTING COPY of all assignments of mortgage I AM REQUESTING COPY of endorsements I AM REQUESTING COPY of deed of trust transfer I AM REQUESTING COPY of sale of property to Bank of America I AM REQUESTING COPY of sale of property to XXXX I AM REQUESTING COPY of Servicer NOTICE Letter of XXXX XXXX Bank DOES XXXX XXXX WORK FOR LSBO OR BANK OF AMERICAIS XXXX A CONVERT OPERATION.NO EXECUTIVES RECOGNIZING XXXXIS XXXX THE LENDER OF THIS MORTGAGE LOAN
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report i found out that i have a big dept from a student loan under my name which as given in XX/XX/2019 for a total amount of {$30000.00}. 

I am requesting for this information to be removed from my credit report as soon as possible because it is affecting me. I have never recieved a student loan. This is a result of identity theft and i need this to be taken of my credit. 

Please block and delete any information on my credit report, persuant to section 605B of the fair credit report act, and send the requiered notifications to all furnishers of this information.
Product: Debt collection

I recently have a fraud alert on all three credit reports. I have had my identity stolen by my ex-wife in which I have reported it to the police. This account was opened and used by my ex-wife whom I am currently divorced from. I have re-married and this is causing a lot of problems along with some other fraudulent credit cards that were opened in my name. Please have this account removed asap. Thanks! I put in for a dispute about this some months ago and nothing has yet to be removed. According to 15 USC 1692c ( c ), this account must be removed. Credit Control LLC REF # XXXX / ACCT # XXXX Balance : {$24000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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 XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$17000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX
Product: Debt collection

I was a victim of identity theft, according to what the bank stated to me the victim was arrested, they refused to give me anymore information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I need the following items to be correct as soon as possible : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting the same account XXXX  under different account numbers. 

Reference is made to XXXX XXXX XXXX  letter dated XX/XX/XXXX ( XX/XX/XXXX Letter ) in regards to CFPB Complaint Number XXXX. In the XX/XX/XXXX XXXX, XXXX states that Account Number XXXX is not being reported due to statute of limitations. XXXX also states that Account number XXXX is the only loan being reported. 

Reference is also made to XXXX letter dated XX/XX/XXXX ( XX/XX/XXXX Letter ) in regards to CFPB Complaint Number XXXX. In the XX/XX/XXXX XXXX, XXXX again states that Account XXXX XXXX is not being reported due to the statute of limitations. XXXX also clarified that the Old Loan Number XXXX is [ was ] transferred to the New Loan Number XXXXExhibit XXXX Based on the XX/XX/XXXX Letter and the XX/XX/XXXX Letter, there is only XXXX ( XXXX ) account which XXXX should be reporting to the credit bureaus. ( Exhibit XXXX ) However, this is simply not true ; according to Transunions records of XX/XX/XXXX XXXX kept reporting both accounts, on XX/XX/XXXX & XXXX, XXXX, as open after the old account was allegedly transferred. Also, attached is a copy of XXXX XXXX credit report dated XX/XX/XXXX. This credit report also reflects XXXX ( XXXX ) tradelines for XXXX, with each tradeline having different terms. The first tradeline reflects a loan with a XXXX  month term. The second tradeline reflects a loan with a XXXX  month term. ( Exhibit XXXX ) XXXX  incorrect reporting of XXXX ( XXXX ) tradelines and Transunions failure to comply the Fair Debt and Collection Practice Act has damaged my ability to obtain credit from other entities. 

Further, the " XX/XX/XXXX '' letter correlates to XXXX having previously issued statements stating that this was a home equity line referencing account # XXXX and the " XX/XX/XXXX '' letter correlates to account # XXXX which is now currently styled as a mortgage according to a recent statement issued by XXXX in XX/XX/XXXX. See Exhibit XXXX. Home equity and mortgages are not the same and are treated differently under the Fair Debt Collection Practices Act. 

TRANSUNION HAS PREVIOUSLY STATED THAT XXXX XXXX  HAS VERIFIED BOTH OF THOSE ACCOUNTS AND THEIR BALANCES ; TO WHICH, I REJECT THAT CONTENTION. 

On XX/XX/XXXX XXXX reported that it had verified the balance on account XXXX to be XXXX, after XXXX XXXX filed a dispute with Transunion file # XXXX. Contrarily in a little over a week after the verification, on XX/XX/XXXX they again changed the balance back to the disputed amount in question. ( Exhibit XXXX ) XXXX  conduct is disingenuous and deceptive, as well as, in violation of the XXXX XXXX and XXXX Practices XXXX. 

Transunion, as a credit reporting body, has a fiduciary obligation to ensure accurate credit reporting ; to which Transunion has not. Transunions failure to ensure accurate credit reporting and be in line with the Fair Debt and Collection Practices Act is causing XXXX XXXX irreparable harms. It is XXXX responsibility to comply
Product: Credit reporting or other personal consumer reports

by laws my rights as American citizen has been violated. Per 15 U.S.C. 1681, et seq.

Fair Credit Reporting Act has 30 days provide investigation result or items must be deleted. Transunion has failed to follow the law. I intend to file a law suit for inaccurate items reporting on my consumer report unless item are deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
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. I have provided documents that can prove it.

By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. If you can not complete this request, Please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Account XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 3. there is some inaccurate information reporting.
Product: Debt collection

Credence Resource Management showed up on my credit report and I have no Ideal who the creditor is. I currently do not owe anyone other than my less than 2-year history with my current creditor which I am not behind. I believe this is a fictional collector which is affecting my credit score more than XXXX Points. I have been the victim of identity theft 4 years ago and I believe this is a part of it.
Product: Mortgage

I called Citizens bank who holds my mortgage to make a payment. My account is currently 59 days past due so I wanted to make a payment today to avoid it going over 60 days and reporting to my credit bureau reports 60 days late. I spoke with XXXX different people and they would not take my payment because I could not tell them or commit to a second payment. I requested to speak to a supervisor and the representative told me the supervisor would tell me the same thing. When the supervisor came on the line she had no idea who I was or what I needed. Also the online system is setup to not take a payment from me since im due for XXXX months. Now i have to mail a payment to them which will put me over the 60 days. They just want my account to go over 60 days so they can foreclose on it. This is abusive in every way. I don't know what else to do.
Product: Debt collection

CREDIT COLL XXXX CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX, MA XXXX Phone : ( XXXX ) XXXX They are sending debt letters for {$530.00} and is reporting I have an account XXXX with them which is false. They are not the original company I made a agreement with ( XXXX XXXX. I want this to be removed from all 3 Credit bureaus
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late ! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNever Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8