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

Santander Consumer is showing a balance under a charged off account on my credit report. The vehicle was paid by insurance as a salvaged vehicle included in an accident in 2016. According to 15 U.S Code 1601 the company should have this balance removed and/or reflect in XXXX balance.
Product: Mortgage

Under the CARES Act signed into law recently, servicer 's of federally backed mortgages are required to allow a 180 day forbearance plan when requested by the borrower. No paperwork is required ( such as an assistance package ). You simply need to state that you are directly affected by the COVID-19 virus. In my case, my hours were reduced to 16 hours per week from 40 hours. 
Roundpoint is outright refusing to honor my request. At first they said they would only do 90 days. Then they said I had to fill out the full assistance package because I filed for bankruptcy chapter XXXX in XXXX of XXXX. It was discharged in XX/XX/2017. Roundpoint was included in the BK, but I kept the house and continued to make payments. 
There is no provision in the CARES Act that denies me the right to a 180 forbearance due to a chapter XXXX bankruptcy. 
I am requesting that they follow the law and grant me a 180 forbearance on my loan. In addition, I may ask for another 180 days under the law depending on my work situation.
Product: Student loan

I requested a XXXX XXXX XXXX from Navient. I was denied an application. 
Their response was that I had federal loans. 
I am a full class member of XXXXXX/XX/XXXXXXXX. 
I attended XX/XX/XXXXXXXX who defrauded students with their deceptive behaviors. It was ruled that students should be refunded all payments made on federal loans. 
Not allowing all students to be refunded the payments made on all of their federal loans is not a fair practice. We all were defrauded. 
I think students have been deceived enough by the XX/XX/XXXX XXXX XXXX and other for-profit schools. The Department of Education was deceptive with denying our BDTR claims. We were all originally denied and had to sue to get anything done. XXXX are considered Federal Student Loans. 

The Department of Education needs to make this right for XXXX and XXXX loans.
Product: Credit reporting or other personal consumer reports

I reached out to Tranunion in regards to dispute several times via certified mail & phone to investigate this late payment on this account. I mentioned to them that XXXX and XXXX are not reporting the same information and on their reports it shows correctly that i never been late for this account and have 100 % on time payment history. When a dispute was open i requested that they verifiy this information to be correct and send method of verification. They failed to do so and still are reporting as late when the other credit bureas are reporting 100 % on time payment. I sent them this proof as well. In addition under 15 usc 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I am demanding that they update this account to never late and 100 % payment history as this is damaging to my credit. 

Account : XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed fraudulent information being misused and being reported to my credit score with XXXX, XXXX XXXX and Equifax. I received notification that items were deleted. When i checked my credit report things on my report were changed and on positive accounts and old negative account were added back to my credit report. it seems as if the credit bureau is deliberately lowering my score. every time I send in a dispute letter, I provide identification and proof of address. They are always respond saying they need verification when I send in disputes. I am a 100 % XXXX veteran and my address if confirmed by XXXX XXXX.
Product: Credit card or prepaid card

I have been going through financial difficulties and recently lost my job as well which exacerbated my situation. 
I kindly contacted all of my credit cards asking for some financial releif. 
However Capital One refuses to work with me. The only options they are offering is to lower my monthly payments, but the XXXX causes the monthly interest to be morer than my payment so my debt will just grow. 
I chatted with them on their website multiple times and each time they claim they can not " confirm '' my account information and ask me to call, but when I call they bully me into paying off the amount I can not afford. 
I am willing to work through the whole balance, like I did with other card issuers, just at a payment plan and lower to zero interest on my current balance in order for it to be doable. 
I explained to them I am trying to regain my financial stability but if my payments and interest is too high I will be forced to declare bankruptcy, but the rep on the phone did not care. 
I said I want to close my card but he refused saying it won't help and interest will continue to accrue. 
I am a mother with XXXX young children at home and it is extremely cruel of them to do this, unlike the other card issuers whom were very accommodating. 
I owe {$10000.00} to them and the balance keeps growing
Product: Credit reporting or other personal consumer reports

I am reaching out to bring to your attention that I have been subjected to identity theft. This letter serves as an official dispute regarding the accounts listed below. Following the instructions provided by the companies involved, I have taken the necessary steps to address this issue. I have filed an identity theft report with the FTC and have personally reached out to each company affected to dispute the information. I kindly request your assistance in resolving this matter. 

XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an erroneous late on my credit file for XX/XX/2020. I was never late!!! This is a charge off that I paid off. I should not have any recent lates reporting. This is a violation and I am requesting that XXXX fixes this immediately.
Product: Checking or savings account

I had a checking and savings account they accused me that I committed fraud and I did not do anything then they told me they were going to close both accounts under there decision and I was very
Product: Credit reporting or other personal consumer reports

As noted on my credit report, I am a victim of identity theft as a result of a data breach. Someone is applying for multiple loans in my name, and my spouses. The inquiries must be removed as they are damaging both of our credit. My husband will be filing a report as well.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is MEADE & ASSOC # XXXXXXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, MEADE & ASSOC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) MEADE & ASSOC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation MEADE & ASSOC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. MEADE & ASSOC has not even tried to contact me regarding this unrecognized collection account. Please have them remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. 
Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error, and I seek your immediate intervention to rectify it. 
Furthermore, other credit bureaus have already corrected the status of the accounts mentioned above. I also contacted the companies by phone, and they confirmed the need for correction. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. 
XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 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
Product: Credit card

on 15USC16677b sad they were suppose to send me a disclouse between 21days of the payment and i never received that.
Product: Debt collection

COMMONWEALTH FINANCIAL has placed a derogatory account on my credit profile without my authorization which has violated the FDCPA. To my knowledge, I do not owe COMMONWEALTH FINANCIAL any alleged debt and would like them to provide proof of claim with authenticated verification. COMMONWEALTH FINANCIAL has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.
Product: Debt collection

A " bad check '' legal debt collection efforts - No phone calls and only one letter from collection agency indicating the proper debt. After 33 days another threatening letter directly from XXXX XXXX 's Attorney 's Check Enforcement Program threatening criminal charges and forced payment of excessive penalties and charges for a " Financial Training '' scam class - all to avoid prosecution for a single late paid " bad check '' debt. 
The " bad check debt '' of {$36.00} plus a penalty of {$50.00} was paid directly to the collection company in full settlement of the debt precisely 6 days from the date of the notice from the XXXX 's Attorney 's Office. No other liability exists other then to the " XXXX XXXX '' XXXX leveled against me by this collection agency. 
I find this entire matter reprehensible and the collection agencies methods to be totally out of bounds with regulatory authority. 
Further, I feel that without proper notice ( only XXXX correspondence letters received ) and disclosure - They have stepped out line and the agency is improperly using a state 's attorney 's office to both harass and penalize a " debtor '' over a collected and paid debt/mistake. 
I can supply all correspondence and copies of payments made should you require that detail. 
Lastly I think this collection agency is using the State 's Attorney 's office improperly and very likely illegally to collect a debt not within the authority of XXXX XXXX. In my opinion XXXX XXXX office is being played like a sucker and a chump by this collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX ( Original Creditor : XXXX XXXX ) XXXX** have violated my consumer rights.

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

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, 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. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$14000.00} OFFICE OF THE ATTY GEN XXXX Balance : {$12000.00}
Product: Mortgage

Fifth Third Bank charged my mortgage escrow account twice for home owners insurance. Once on XXXX XXXX, XXXX in the amount of {$180.00} and once on XXXX XXXX, XXXX in the amount of {$210.00}. I have contacted Fifth Third Bank to remove the erroneous charge from XXXX XXXX, XXXX for {$180.00} but the bank has not resolved the issue and the charges are still applied.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXXXXXX XXXX  for {$1200.00}. I do not have a contract with XXXX XXXX XXXX, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Product: Debt collection

Made an in-store purchase at XXXX XXXX Best Buy for {$290.00} on XX/XX/2021. The cashier informed me that I was {$4.00} shy of qualifying for the 6 month promotion of same as cash. 

On that same day ( XX/XX/XXXX in-store ), I payed {$100.00} towards the bill on an invoice that would not have been generated until the month of XXXX. On XX/XX/2021, I made the payment in full for {$190.00} via automated payment services in full via telephone system. 

I receive a call XX/XX/2021 to pay a {$66.00} late fee for two months! 
According to Citibank, my payment on the XX/XX/XXXX, XXXXgenerated a statement that stated that my payment in full was due XX/XX/2021. And that the Payment of {$100.00} was applied to a billing cycle of XXXX which previously had a XXXX balance! 

The payment that was made in cash ( {$100.00} ) was not credited to the future XXXX billing cycle, but rather to a XXXX billing cycle that was generated on the XX/XX/XXXX( that would be due on XX/XX/XXXX ). 

The Payment of {$100.00} was applied to a billing cycle of XXXX which previously had a XXXX balance! The automated payment system mentioned nothing of a late fee, when I payed the full amount on XX/XX/2021.
Product: Credit reporting or other personal consumer reports

For nearly three years, I have tirelessly worked to present clear and compelling evidence to Experian, a third-party debt collector, and the original company involved. Despite my efforts, which included providing indisputable proof, I have been met with repeated resistance and what I perceive as a lack of genuine investigation. Each time Ive submitted information, the outcome has been the same, leaving me feeling ignored and dismissed. 

This process has caused me extreme XXXX and a deep sense of frustration. As a consumer, it feels profoundly unfair to be left without clarity or resolution, especially when Ive done everything within my power to demonstrate the errors that have been made. I believe that if even one person within these entities had truly done their job, my situation would have been resolved long ago.

Instead, Ive been left feeling railroaded and voiceless, with my concerns falling on deaf ears. Despite expressing the errors and their impact on my life, nothing has changed. At one point, I believed my only options were to file a police report or hire a lawyer because I didnt realize there were other resources available to me. 

Im sharing this now in the hope that my experience will not only be heard but also acknowledged with the seriousness it deserves. Consumers like me deserve fair treatment, accountability, and resolutionnot an uphill battle against a system that feels impossible to navigate.
Product: Student loan

The debt collection agency XXXX XXXX XXXX, garnished my wages without any notification or correspondence from them. I am a Veteran and I served my country to the best of my ability. I am already struggling to pay for things like housing, food etc. This company never contacted me. I had just gotten notification from my employer that my wages were being garnished. I never got a court order to appear in court to dispute the validity of this loan. This loan I believed may have happened over 35 years ago. The debt collection company, XXXX said I owe, the principal of {$55000.00} interest of {$19000.00} and the collection charges of {$13000.00}. After my wages were garnished I got a letter from XXXX, stating those above amounts. They are taking out {$130.00} per pay period. This is not disposal income.
Product: Credit reporting or other personal consumer reports

I am sending this follow up complaint to concerning my previous complaint that I sent dated XX/XX/XXXX, I want the Experian and XXXX to know that I am eager to see that the items listed below were DELETED in my next update within 15 days : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I discovered a credit card that was not opened by me on my credit reports. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I contacted XXXX and asked for them to remove the account as I could see on my report that it was opened with a Florida address I've never used. At this time I was completing online classes at XXXX University which is located in XXXX. I speculate that this is somehow connected to my information being stolen and used to establish this account.
Product: Credit card

Over paid a closed account at Bank of America. Bank of America had been " processing '' the refund for almost two weeks. The first person said 3 to five days. Second said 7 to 10 days. Person this morning said review process not started. They either owe me {$76.00} or {$58.00}. Depends on who you talk to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pretty simple ... ... .My mortgage loan holder XXXX XXXX stated they would stop reporting any derogatory information to credit reporting agencies during the COVID-19 pandemic. 
In XX/XX/XXXX a ( Late Payment ) was reported to XXXX, XXXX, and Experian ... .I submitted an online request to have this derogatory information deleted. They all have failed to comply with this request as of XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been with XXXX XXXX XXXX for XXXX years. Recently I checked my credit report and notice delinquent payment history. I was devastated to see a late payments showed up.
Product: Debt collection

I attempted to settle a credit card debt 3-4 years ago. I negotiated with a company trying to collect and the settlement never occurred. Since then several different companies attempted. Portfolio calls on Sunday morning-evenings, several times before XXXX XXXX and after XXXX XXXX. One month they called between 8-12 times a day for over a month. My phone records can verify this. 
This company never leaves a message other than its name. They sent XXXX notices of repayment after months of annoying, continuous phone calls. They are relentless with no respect for the time of day or night or day they call.
Product: Debt collection

Back in XXXX of XXXX  I have reported a lost/stolen card and fraud activities on my HSBC credit card with HSBC. Even though I provided them all the proof that at the time of fraud activities I was not physically present in the country. I was out of country the whole time my card was used. HSBC have denied my claim. I refused to pay for something which I did not authorized. This is my Right not to pay if I did not make purchases. Now HSBC have sent the whole amount to collection and the collection company name is XXXX XXXX, they are keep sending me emails, non stop phone calls. 

I am attaching my proofs again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove items which are not belong to me because it is fraud. 
I do not recognize this account and have never incurred debt with this creditor. I do not know where it came from. Thus, I am requesting that you please verify the validity of this account and remove it once its confirmed that it is not mine. 

Once deleted, please inform all other credit reporting agencies. If somehow this account is verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.