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

My wife of 4 years had substandard credit and I co-signed a loan with her for a new Honda 2 years ago financed through American Honda. 

On XX/XX/2019 we began the process to buy a new home, which requires a " pre approval '' letter. As part of this, we consulted our credit ratings on XXXX XXXX. 

The loan, {$25000.00}, is showing on both of our accounts, even though it is a single loan for {$25000.00} and payments are current. 

This reporting indicates to creditors that we owe a total of {$51000.00}, which is not true. There should be a note on one account that this is either not owed, and is a contingent liability, or some other way to report than as a double obligation. 

On XX/XX/2019 I contacted American Honda and they said that the only way to correct this error in their reporting is for us to re-finance the loan. That would be at a higher rate.

I would say that this approach by American Honda is a poor business practice and that using their faulty credit approach to report this as two loans is not fair or equitable and is inaccurate in regard to the actual situation. We have a single loan for {$25.00} K, not 2 loans, to put it succinctly.
Product: Debt collection

On XX/XX/XXXXa collections account for XXXX XXXX showed up on my credit and I have been there but my insurance covered the work I had done XXXX XXXX XXXX XXXX  and they did XXXXXXXX XXXX but they were already paid for by my ex I was there when she paid for them so I know it was paid for then they started calling telling me I owed XXXX dollars and I told them it must be another patient with the same name cause my account is current there is not balance to pay. they had kept calling I told them to stop then it showed up on my credit dropping my score XXXX that day. I just bought my XXXX car in XX/XX/XXXX.I had a good score I never used credit before so I had none now not only is it showing on my report but they keep adding XXXX or XXXX $ a week to the balance which is now at XXXX dollars they say I owe I have asked for documentation proving it is in fact my debt and was denied I have disputed it on my credit report and got denied. Even if it was mine XXXX XXXXXXXX XXXX  do not cost even close to XXXX dollars and with the new bill I seen that removes medical debt from ur credit report if it's under XXXX this shouldn't have been put on my credit especially cause I never paid the collection company a dime nor did I agree to and then from what I understand the debt was sold and that's when it showed up and then started going up every week. I don't know what to do I don't want to contact them directly as i understand it could just hurt me more in the end and this balance is continuing to go up and this was over 5 years ago as it is that I had the work done which is what leads me to believe it's not my debt just someone either using my name because my sister sold my social security number and I tried to file a report on her for it but the police department wouldn't take it and I was young when I found out and have had to fight a number of things the person she sold it to has used my name for, like a phone bill and other utilities I never turned on and had to fight over a year on each of them to have removed from my name. I am more then willing to press charges on my sister for selling my identity though I just don't know who to call to do so and this might be another one of those things that happened because of her. She knew I had been to XXXX XXXX to have my teeth pulled though and the office that this bill was made at, I've never been to so its not mine I will not pay it I shouldn't have to. I need help solving this problem so it doesn't keep harming my credit. it's now kept me from getting back into school and refinancing my car loan and now getting approved for an apartment. I'm about to be homeless because of this causing my credit to drop so drastically.
Product: Credit reporting or other personal consumer reports

I have recently mailed multiple dispute letters to Experian regarding inaccurate information on my credit report. Despite providing evidence, Experian has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) specifically : 15USC1681e ( b ) : Experian has not ensured the maximum possible accuracy of the information in my credit file. 

15USC1681s-2 : Experian has continued to report inaccurate information after I provided notice of disputes. 

15USC1681i ( 5 ) : Experian has reinvestigated and reinserted disputed items without notifying me, as required by law. 

Recently, I became aware of the lawsuit filed by the CFPB against Experian on XX/XX/year> titled CFPB SUES EXPERIAN FOR SHAM INVESTIGATIONS OF CREDIT REPORT ERRORS. According to the CFPB, Experian has failed to conduct proper investigations and has even reinserted errors on credit reports, which aligns with the issues Ive been facing. 

Experians failure to comply with these laws has caused harm to my credit worthiness, limiting my access to credit, employment, and housing opportunities.
Product: Vehicle loan or lease

SANTANDER CONSUMER USA, INC is in Violation Of 15 USC 1692g and 15 USC 1692j. SANTANDER CONSUMER USA, INC and its agents failed to validate an allege debt in a timely manner as Required by 15 USC 1692G  Section  809 ( B ). Numer ous Attempts through the   XXXX   XXXX   XXXX   XXXX   were sent to SANTANDER CONSUMER  USA, INC and a response was never received. SANTANDER CONSUMER USA, INC  has an obligation to validate a debt once requested by a consumer, after failure to Validate a debt all communication and collections must cease.    SANTANDER CONSUMER USA, INC and its agent continued to harass me by phone calling me 6 to 7 times  a day and sending demands for payments after a request for validation was sent to the com pany multiple times and never responded to the request which is a clear violation of 15 USC 1692g 809 ( b ) and section 806 ( 5 ) SANTANDER CONSUMER USA, INC and its agent is also in violation of 18 USC 241, SANTANDER CONSUMER USA, INC deprived me of my property by repossession my vehicle after failure to   validate a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a {$51.00} dollar purchase at XXXX XXXX XX/XX/18- I used my XXXX/XXXX  charge card for the points rewards. After the purchase I wanted to pay the balance in the store but they would not accept my bank card to pay off the credit. 

I pay ALL my charges off in full at the time of purchase or receive the first statement. In this case I was not mailed a statement. I received a text message in XX/XX/XXXX from the creditor saying I had a past due balance. After talking with them my bill had incurred {$62.00} in late charges and fees. I tried to dispute the charges as that was the first contact I had with the creditor. While the did waive {$38.00} they reported my account late which affected my credit score. It is the only late payment I have on my report. I sent a letter to the company explaining that I had not been mailed a statement and paid the balance in full plus fees as soon as I was made aware. I requested credit repair and they replied back that they were unable. 

XXXX perks are a trap for consumers to use their cards that would normally pay with cash. This company profits from late charges and fees by not sending bills out timely. They also have multiple complaints due to damaging their consumers credit reports.
Product: Credit card or prepaid card

I have  two  accounts with  Capital One  that are past due, they flat out refuse to help in anyway, shape or form! I was on an " early assistance '' program, that ended and now I can not pay the bills. They wont let me go back on it, they said my accounts are not qualified for a collection status at all. They wont lower payments or interest rates at all.   I have several other credit cards that have eliminated the interest rates  COMPLETELY f or 6 months, and capital one a multi-billion dollar company flat out refuses to do that!!!!  <P/> And none of their " kids '' are trained at all, I was transferred to so many departments and they all had no clue about my account at all . SO FRUSTRATING.  I want those two accounts on a program that eliminates the interest totally and lowers the payment.  <P/> And their " automated " system doesnt work at all, it was supposed to transfer me to collections, and it takes you wherever!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX INQUIRY : XXXX XXXX XXXX XXXX XXXX  XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

TO WHOM IT MAY CONCERN : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 1 ) Please remove the following inaccurate address from my credit report : PORTFOLIO RECOVERY ASSOCIATES. According to the FCRA, accounts that have been disputed by the consumer must be notated as such. Your failure to investigate this account, and notate it as such is a violation of the fair credit reporting act. Please remove immediately
Product: Mortgage

I got laid off end of XX/XX/XXXX, I applied for assistance with XXXX XXXX they put me on a forbearance plan. When I got a contract job, I submitted my paystubs, so they put me on a trial plan starting XX/XX/XXXXthe monthly payment with HOA was over 35 %. I called to ask them but they did not provide a reasonable response and did n't reduce the amount. InXX/XX/XXXX they sold my loan to Freedom Mortgage. Freedom Mortgage sent me a loan modification that increased my interest rate, so monthly payment with HOA is still more than 31 % of my gross income, and they added a 2nd lien of over {$66000.00}. The XXXX package was left at my door Saturday afternoonXX/XX/XXXX but it was dated XX/XX/XXXX too late to do anything with it Saturday, then Sunday and Monday ( holiday ) banks were closed, and they only gave me a few days to respond. I called them a couple times, and my spoc was supposed to call me back, I 'm waiting to hear. I only make {$19.00} per hour working an average of 40 hours per week, but often I work less than 40 hours due to not enough work. I am worried they are not rushing to help me and I will not lose my house to fraudulent practices. Please help, I 'm a single woman with one income, I can barely pay my bills and I do not live outside of my means, believe me.
Product: Credit card or prepaid card

I WAS LOOKING INTO MY STATEMENTS AND FOUND A CHARGE WITH THE HELP OF MY FRIEND THAT I DID NOT AUTHORIZE AND I HAVE NO IDEA WHO THE MERCHANT IS. FROM XXXX XXXX XXXX FOR XXXX ON XXXX/XXXX/XXXX. MY FRIEND AND I CALLED THE CREDIT CARD COMPANY FOR XXXX AND SPOKE TO XXXX XXXX WHO WAS SO MEAN AND NASTY TO ME AND TOLD ME I DID MAKE THIS CHARGE WHEN I DID NOT. I ASKED TO BE TRANSFERED TO HER XXXX AND SHE DISCONNECTED THE CALL. I AM A XXXX CITIZEN AND I CAN AFFORD TO PAY FOR THINGS I DID NOT AUTHORIZE AND ITS A ALMOST XXXX CHARGE. PLEASE HELP ME GET MY MONEY BACK. I AM LOOKING INTO MORE OF MY STATMENTS TO SEE IF THERE ARE ANY OTHER CHARGES ON MY ACCOUNT. PLEASE HELP ME.
Product: Credit reporting or other personal consumer reports

I have noticed unauthorized items on my report.. 
Name of company-XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Current balance- {$8500.00} Name of company-XXXX XXXX XXXX XXXX Open date-may XXXX XXXX XXXX XXXX balance- {$7600.00} Name of company-XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  Current balance- {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to my credit report and I haven't received a status update.
Product: Checking or savings account

Hello, I opened XXXX XXXX account on XX/XX/2022 under the following terms : - Direct Deposit $ XXXX every 30 days for 90 consecutive days - Spend $ XXXX on goods or services with the debit card every 30 days for 90 consecutive days After completing those terms, the account should be credited with the {$500.00} referral bonus.

I completed those terms already and still have not received the {$500.00} bonus.

Please advice.

Thank you!
Product: Payday loan, title loan, or personal loan

I applied for a payday loan with XXXX XXXX XXXX, I applied for a {$500.00} loan and that quickly became nearly {$1000.00} payback amount. I made multiple payments to them in the amount of {$140.00} bi weekly for about two months. I then tried reaching out to this company via phone multiple times for a time period of over a month, I left multiple messages and emails and never heard back, I was left with no choice but to call my bank and have them issue a stop payment as the funds were still being deducted directly out of my account. I still did not hear back from this company up until Friday XX/XX/2018 with a threatening email from a debt collector named XXXX XXXX. This person threatened me with court appointed action if I did not agree to reach out to him and settle this debt. I explained that I was interested in making payments in order to resolve the issue and asked if I could receive receipts for all future payments I make and payments already made and was told to refer to my bank statements. I need help, a I am being harassed by this company at work, home and school via email, phone and even text.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to place a freeze on my credit four times now using the Experian website on this day XXXX/2017. Each time they have declined my request and told me to send them something by mail. I can not find a customer support line to resolve this issue. Considering the XXXX breach, I would think being able to place a credit freeze would be simple enough. Both XXXX and XXXX have allowed me to do so without much hassle.
Product: Credit card

These animals stole my money. I spoke with the manager XXXX who provided a nickname instead of his legal name during our conversation. I told him I posted the photos of the hotel and screenshots of the money that was fraudulently removed from my account and he responded, " perfect ''. Meanwhile, his hotel has a 2.1 on yelp and a 3 on XXXX. Yet, XXXX is proud. So disturbing! XXXX stated he knew nothing about what happened with my money, then proceeded to ask me questions about my previous employment. I repeatedly asked where my money was, he said he didn't know what happened but that he would call me back when he found out. That was on XX/XX/XXXX. Following our conversation, I never heard from him again. We checked in the hotel Saturday XX/XX/XXXX after midnight. The original reservation was for XXXX nights. The XXXX lady was at the front desk. We booked XXXX prepaid rooms. She said I need {$100.00} for incidentals. I gave her the card. We checked into ONE room and couldnt believe our eyes. It was the nastiest thing we had ever seen in a XXXX XXXX. XXXX down and just plain dirty. I went to the front desk to inform her. She said all the rooms were like that. We spoke with XXXX a few hours later to let her know we canceled the remaining rooms and decided to leave early. She was very nice and apologetic. We left and I received an alert on my card saying we had actually been charged {$400.00} instead of just the {$100.00} for incidentals. I called the hotel immediately. XXXX said she didnt understand why the XXXX lady charged my card that amount but the manager XXXX XXXX call me. I never received a call. I called Monday morning only to get barked at by the XXXX dog. She herself stated, I dont know why I charged the card, I asked for the manager. She said, you should report it, bye. She then hung up the phone in my face. That was the very first call. I called back repeatedly asking for the manager. In total they took {$710.00} from my card. They stole from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has multiple reports on my credit report. I'm not aware of these multiple accounts. I've asked them to be removed with no success.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I am requesting the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). The following accounts and inquiries were opened or made without my authorization and should be removed from my credit file : XXXX Accounts : XXXX. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$5900.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$2000.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$14000.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$260.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$10000.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$750.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$1300.00} XXXX. XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$150.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX
Product: Credit card or prepaid card

-Applied for card in store because I did not have wallet on me, got approved. 
-Used card same day in store -never received physical card, a bill from the company or a phone call for 6 months. 
-company reported 6 months of late payments all at once, no chance for consumer to fix the issue. 
-offered to pay the card in full, apologized endlessly. 
Attempted to pay card over phone, would not accept payment because it was in collection -Attempted to pay card in store, old navy said they did not take instore payments. 
- Called synchrony bank several times to resolve issue and pay account, non negotiable. 
- Was told I could pay the card in full, but they still would not change anything on my report. 
-Was told by the bank representative, even if the bank was at fault for not supplying a bill for 6 months, ( or a card ), it is still my responsibility to find a way to pay it. 
-Was told by the bank that I signed up for e statements, but never received any of those either. 
The only correspondence I received form old navy was for sales. 
If I didn't have a bill, statement or a card, how am I supposed to pay it online?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I " I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH capital one 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 ( MONTHS REPORTING LATE ) 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  Never 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