23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Vehicle balance of loan in XX/XX/XXXX was approximately {$33000.00}. 
Total loss on XX/XX/XXXX. I signed title over to my insurance company, XXXX, they took the car and my tag, and they paid Santander {$24.00}, XXXX on XX/XX/XXXX, leaving a XXXX of {$14.00}, XXXX. Santander has continuously sent me billing statements every month demanding payment. XXXX XXXX from XXXX Direct- the XXXX claims adjuster- harassed me via email for the same information over and over again until I sent her a Cease and Desist-after sending her all of the information she requested. Per the attached XXXX  claim form, I am not the party responsible for sending her any documents- but I learned this after I researched. She still received all documents so there's still no excuse for non-payment. Information she needed was her responsibility to get from the lienholder, insurance company and dealer. Santander, the lienholder, also will not respond to me via XXXX or the XXXX XXXX XXXX. The GAP product is a debt canceling product and I should not be receiving statements from Santander for the balance or seeing that balance still being reported on my credit file 7 months AFTER my insurance carrieXXXX has declared the vehicle a total loss, took possession of the vehicle by title I signed over and paid Santander 75 % of the balance as of the date of loss. Santander will not explain why they are still sending me billing statements demanding money 7 months later, for a balance I know XXXX has paid. In XXXX of XXXX, the Santander statement shows even more they received -almost {$4000.00}, was applied, but Santander is putting it towards interest so the statement balance is inflated- skimming interest from money it has received to cancel the debt 7 months ago by continuing to send me statements so it can charge interest every month. XXXX XXXX from XXXX XXXX XXXX, the XXXX insurance company Santander uses, is also actively involved in this " unconscionable scheme '' to defraud me of money by skimming- getting it via interest by holding onto the balance, keeping the account open. XXXX was sending me duplicate email requests through a private email server to deflect my attention away from the real issue, until I sent her a " XXXX and XXXX. '' That is general harassment to request a consumer keep sending the same information over and over again that you know you received from them already. I was charged {$990.00} for the XXXX product. If it was worth " nothing '' then Santander should immediately refund me my {$990.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have requested on mutiple occasion that these accounts be removed from my credit report and i have also mailed in an ftc report to validate this identity theft and they still refuse to remove the inaccuracies from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or service as a result of the identity theft. 

( XXXX ) XXXX XXXXXXXX Account Number : XXXX Date : XXXX ( XXXX ) XXXXXXXX XXXX XXXX  Account Number : XXXX Date : XXXX ( XXXX ) XXXX XXXX Account Number : XXXX Date : XXXX ( XXXX ) XXXX XXXX XXXX Account Number : XXXX Date : XXXX ( XXXX ) XXXX XXXXXXXX Account Number : XXXX Date : XXXX ( XXXX ) XXXX XXXX Account Number : XXXX Date : XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account Number : XXXX Date : XXXX The following inquiries were not done on my behalf : ( XXXX XXXX XXXX XXXX Date : XXXX ( XXXX ) XXXX XXXX Date : XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX ( XXXX ) XXXX XXXX Date : XXXX ( XXXX ) XXXX XXXX XXXX  Date : XXXX ( XXXX XXXX XXXX DATA Date : XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX : XXXX ( XXXX ) XXXXXXXX XXXX Date : XXXX
Product: Credit reporting or other personal consumer reports

Good Morning, Request for Deletion of Charge-Off I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between regional finance and XXXX XXXX XXXX and following companies see attached documents companies highlighted. 

As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement.

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process.

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details.

I kindly request that you carry out the deletio
n process within 3 business days to comply with the terms of the agreement.

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Prepaid card

I purchased a {$50.00} AMEX gift card from a XXXX Pharmacy a week ago. The card says it is active. However, when I try to use it to purchase XXXX XXXX credit, the card declines each time. I called the number on the back of the card, XXXX, and they said I should be able to use this card at a merchant that asks for the card number, expiration date, and the CVV security code. It DOES ask for/require that information in XXXX. The customer service rep simply said, " Your card is active and has an available balance of {$49.00}. '' There are 4 temporary 10 cent transactions from when you tried to make the XXXX purchases. Those are pending and will be put back onto the card. The website on the back of the AMEX {$50.00} prepaid gift card is AmexGiftCard.com/Balance. They have offered me no solution whatsoever.
Product: Checking or savings account

Hi Wells Fargo Support Team- I noticed several fees on my Wells Fargo account that I would like to ask for a refund on. I have been a loyal customer of Wells Fargo and hope to continue, but these fees are becoming really frustrating .... Especially when there are now so many fee-free banks and its been such a tough year! 

Can I get a refund on the {$97.00} from my transactions below? 


MONTHLY SERVICE FEE - XX/XX/XXXX - {$5.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} MONTHLY SERVICE FEE - XX/XX/XXXX - {$5.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} MONTHLY SERVICE FEE - XX/XX/XXXX - $ 5 MONTHLY SERVICE FEE - XX/XX/XXXX - $ 5 MONTHLY SERVICE FEE - XX/XX/XXXX - {$5.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} MONTHLY SERVICE FEE - XX/XX/XXXX - {$5.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} MONTHLY SERVICE FEE - XX/XX/XXXX - {$5.00} NON-WELLS XXXX ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} MONTHLY SERVICE FEE - XX/XX/XXXX - {$5.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} MONTHLY SERVICE FEE - XX/XX/XXXX - {$5.00} NON-WELLS XXXX ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/XXXX - {$2.00} Thanks a ton, XXXX
Product: Credit reporting or other personal consumer reports

My account with 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 those account 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 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: Debt collection

A third-party agency, XXXX, contacted me regarding a debt from Jefferson Capital . I requested validation of the debt, but instead of providing it, they offered a settlement of {$170.00} and promised to delete the account from my credit report if I settled immediately. I agreed and paid the settlement on XX/XX/year> to ensure the account would no longer be reported as a collection. However, despite my payment, Jefferson Capital continues to report this account as a collection on my credit report
Product: Credit reporting or other personal consumer reports

I have Inquires that I did Not authorize. I have no accounts with none of theses companies. I did not apply for credit with none of theses inquires. Please help me remove from my credit report. I tried on my own with no success. Thank you in advance XXXX Inquires -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 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 XXXXXX/XX/XXXX Equifax inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is response to complaint XXXX They still have not provided me with proper documentation showing they own or legally allowed to collect on this alleged debt First off, this was my first complaint against SRA as they are attempting to say that since I filed complaints against XXXX that those are complaints I filed against them. This leads me to my actual complaint. 

Who is collecting this alleged debt? According to the call I received the lady said " we are working with XXXX '' So who owns the alleged debt? 

I have requested twice now, once when SRA called ( and if they are actually XXXX they know they should not be calling me which is a violation ) if they are not XXXX why are they refusing to show me an agreement that says they are allowed to collect on this debt? How do I know if I paid this alleged debt to SRA that it is not just a scam?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 US 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

On XX/XX/2020 two transaction for XXXX were made at a XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX. I was in XXXX California at the time of the transactions i received a text notifying me that fraudulent transactions were made. i contacted the fraud department they told me i would get my money back right away. Then they told me it would take 10 days. on the XXXX they sent me a letter saying the transaction were made with my pin and i wouldn't be receiving my money. I looked at my account and they had changed the price of the transaction from XXXX to XXXX dollars. 

They are refusing to give me my money and harassing me with XXXX and XXXX  language on the phone. 

Transaction on my debt card show i was in XXXX at the time of these purchases.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

XXXX XXXX I closed a secured credit card with XXXX XXXX that was in excellent standing. XXXX XXXX XXXX, I checked my Transunion credit report and my score had dropped XXXX points from XXXX to XXXX overnight and the only change to the report is that it now shows I closed a secured credit card in which I used to build my credit by an initial deposit of {$300.00} to maximizing it to {$5000.00}. My issue is that from the time I opened the card I never saw the alleged benefit of having a secured credit card other than from my own efforts, not even by XXXX points, ( ie on-time payments, and paid interest, etc. ) but closing it lowered it XXXX points???? I am a XXXX Veteran over 30 % in the process of building a home and securing a mortgage that I am due to close in XXXX XXXX and the impact of this can present an undue hardship for me. I have worked extremely hard to re-build my credit. My reports show that I have an 18 % credit card utilization, {$48000.00} unused credit, and 100 % payment history. However, the derogatory marks, age of credit history, total accounts, and hard inquiries all vary between the XXXX credit agencies, which is something that I 'm always challenging without a resolve. The only change that is consistent on all XXXX reports is the closing of the secured XXXX XXXX card which was supposed to help the consumer, but has caused me more harm. After contacting Transunion, they did send a free copy of my credit report, but that does n't undo the damage to my credit score dropping from XXXX to XXXX overnight. I have been penalized for closing a secured credit card account that I was supposed to benefit from, but instead has damaged my credit considerably. If having a secured card is a good thing to help consumers build credit, then once that has been accomplished or no longer needed at the discretion of the consumer, then if the card remained in good standing ; reasonably, closing the card should raise your score XXXX points, not lower it.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Student loan

I am disputing an inaccurate 90-day late payment reported by Nelnet on my federal student loans. I was never notified via phone, email, or physical mail before this delinquency was reported to the credit bureaus, causing a significant drop in my credit score. 

Key Facts & Timeline : XX/XX/XXXX- XX/XX/XXXX : Nelnet claims they sent multiple past-due notices, but I never received any emails, phone calls, or letters informing me that my account was delinquent. 
XX/XX/XXXX : Nelnet reported my account as 90 days late to XXXX, XXXX, and XXXX without prior notification. 
XX/XX/XXXX : I discovered the delinquency when I checked my credit report and immediately reached out to Nelnet. 
XX/XX/XXXX : Nelnet responded by claiming I could find past notices in my online account, but I did not have an account before this issue and could not have seen those messages. 
Why This Reporting Is Inaccurate : No Proof of Notification : Nelnet has not provided timestamps, delivery confirmations, or call logs proving they attempted to notify me before reporting the late payment. 
Lack of Access to Notifications : I had never set up an online account with Nelnet before discovering the delinquency, making their claim that I could have seen notifications in my " Inbox '' invalid.

Failure to Follow FCRA Guidelines : Under the Fair Credit Reporting Act ( FCRA ), data furnishers must ensure accurate reporting. Nelnet 's failure to notify me beforehand makes this reporting factually inaccurate and unfair. 
I have already disputed this with the credit bureaus and directly with Nelnet. Nelnet refuses to remove the late payment but has provided no evidence to justify their reporting.
Product: Mortgage

I applied for a loan Modification when I first started my XXXX XXXX in XXXX of this year. I was informed that the process could take up to XXXX weeks. I was experiencing a reduction in hours that caused me to fall behind in my bills and was looking for a way to make my monthly mortgage payment more affordable. I wasn't able to pay my mortgage for 2 months during the time I applied and was informed by the representees which are recorded conversations that if I did, I would be disqualified for the modification. I sent in all requested documents to support my Hardship and after XXXX weeks was approved for a partial modification where I had to do XXXX XXXX payments of the same amount I was already paying. That wasn't helpful to me as I was already in a bind paying that amount on the regular. I submitted an Appeal on the decision in XXXX and after 37 days was denied due to FHA loan restrictions. I called every day when the Appeal was pending and was told several different things about why it was taking so long, or why it might not get approved. My Appeal has been denied and now I am experiencing the same Hardship. 
I don't believe this lender did everything they could to really help me. I feel like they took the latter route because they didn't want to lose any money.
Product: Debt collection

XXXX has sold a very old account ( I have not had XXXX in over 10 years ) to a collection agency called Enhanced Recovery Co. They have never contacted me but have put a collection account on my credit report ( no amount owed is indicated ) and when I call them and ask to speak to a Rep they hang up on me. I want this removed from my credit immediately! I do not owe XXXX XXXX any money. This collection just appeared on my credit report in the month of XXXX XXXX with an " open '' date of XXXX XXXX, XXXX. This is bogus and should not be on my credit report. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/ I tried to get a personal loan with XXXX XXXX XXXX, and I was denied immediately because my Equifax was not reporting. They sent me an email but no actions were taken. 

I also tried renting a house with XXXX XXXX XXXX XXXX XXXX XXXX and i was immediately denied because again my Equifax was not reporting. Tried reaching out to XXXXXXXX XXXX XXXXXXXX they would not talk to me at all. The leasing agent treated me like nothing. 
Equifax has negatively impacted my life and they need to be stopped.
Product: Mortgage

I recently inquired about me having to pay mortgage insurance that I thoughtwould end after five years by calling BOA. Customer service said they would sendme some paperwork and I need to read that. 
I received a INFORMED CONSUMER CHOICE DISCLOSURE NOTICE dated XX/XX/2010 ( one month before my actual closing on the house ). 
That Notice has my name as a signature but that is NOT MYSIGNATURE. So I called BOA and talked to Customer Service and theFraud Dept explaining them that this is not my signature and they said they had to investigate this and it is " serious ''. 
Somebody forged my signature and I never seen this Document before thereforemy argument is that I feel that I should not have to pay this Mortgage Insurance Premium. 
They said they will send me a Signature Affidavid but so far I only received a letter from BOA saying I need to pay {$32000.00} to eliminate the MIP! 
BOA so far is not cooperating with my request and even makes furtherdemands! 
Please contact me at my earliest convenience, I have a reference # andname who I talked to but can not disclose it here ... 
Please leave a message on my Cell Ph # I have provided if I do n't answer and I will return your call. 
Thank you, XXXX XXXX