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

There is a class Action lawsuit on Santander Consumer USA right now. We got a loan with them in XX/XX/XXXX for a new XXXX XXXX. The loan was {$27000.00}. I have paid on this car for almost 4 years and they are telling me that I owe over {$19000.00}. This is impossible. I also added to do extensions with them and they never disclosed increased interest rates or anything. My balance never seems to decrease. I filed bankruptcy for myself in XX/XX/XXXX. They refused to do a payment extension or anything g to help me unless I signed a reaffirmation on the loan. My husband was on the loan as well and did not file bankruptcy. The interest is outrageous and we were put in a loan that was near impossible to pay but we had to have a car. After the bankruptcy discharged I figured out that they were not reporting our payments to the credit bureau. Not even for my husband. When I called they told me that they didnt have to report the payments. I told them that I signed a reaffirmation and that my husband never filed bankruptcy. They acted like I was crazy and didnt know anything. I am certain they have added unknown fees, etc to my account. They refuse to help you and act super rude anytime they are questioned about anything. I just became aware of this lawsuit today while looking at their website. I feel as if my loan should be included. Our credit bureau reports do not even show a loan for either of us with them. I asked them what would happen if we didnt pay the loan since it wasnt in our credit bureau reports and they told Me they would come after us and they would make us pay. They are like punishing my husband in a way even though he never filed bankruptcy. The payment is {$510.00} per month for a $ XXXX {$12000.00} car. That is a house payment for our area. How can that much money still be owed in a car when it only XXXX XXXX XXXX at around d $ XXXX {$4500.00}? They gave us a loan when we never thought it was possible. We owed a lot at the time, but they made it sound great at the time and we had to have a car. It makes me sick that we have been done so wrong with this company. I am behind on payment now and they told Me before that they would repo if we defaulted, even though they do t report anything g in us at all. That doesnt seem right to me at all.
Product: Credit reporting

I have XXXX accounts with XXXX different companies I have disputed 3 times with Equifax. They are refusing to remove them.. XXXX XXXX and XXXX researched and have removed items after one dispute. I have called Equifax and spoke with a manager about my concern that they are not researching my dispute. He advised he could not do anything. Please help me! 

Dispute # 's XXXX & XXXX {$260.00} ... The billing department at XXXX office has no record of this charge. Billing manager advised she called collections company and they have no record of me. 

{$240.00}, {$240.00} and {$50.00} were all paid on the same day. 

{$80.00} charge was paid in the office {$77.00} charge was paid XXXX 2015, XXXX, manager at XXXX XXXX has called manager of collections company to remove me from their file. This was paid and should have never been transfered to a collections company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam Comenity Bank acct # XXXX I filed a dispute with all three credit bureau, XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX, all three bureau said the debt was verified by the original creditor. However, I sent a certified letter on XX/XX/XXXX with a return receipt asking the original creditor Comenity Bank to investigate the account listed above. I did not receive a response. I have attached a copy of letter I sent to Comenity Bank, copy of my credit report from all three bureaus showing the inaccuracies which is circled on all credit three reports and copy of the return receipt. How can this account be verified when each credit bureau is reporting this account differently? 
Thanks for your time and consideration in this matter.
Product: Payday loan, title loan, or personal loan

I called XXXX  because I was concerned after pulling consumer credit report and disappointed my payments not being reported to credit bureaus. " Account manager '' gave me misleading information lied about reporting my payments to credit bureau every month. I followed up with credit bureaus opened dispute because they have NOT received any reporting from XXXX  since XXXX..
Product: Student loan

See previous CFPB Complaint that was closed today. In the documentation that was provided by the company, my principal is adding up to {$100000.00} however they are billing me, charging me etc $ XXXX plus interest. Based on their response I and be charged for an extra $ XXXX. Please review my account and ensure I am be charged for the correct amount. It is disheartening that no one did the math and questioned it before responding the first time. Please give me the same courtesy that you would expect for your self.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$3900.00} OFFICE OF THE ATTY GENER XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX  XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX ( XXXX ) XXXX XXXX  XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XXXX  XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Credit card or prepaid card

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX mi XXXX has garnished my accounts on XXXX for XXXX dollars and on XXXX for XXXX dollars and XXXX dollars. They are saying they are working for portfolio recovery associates llc. on a case for XXXX I called XXXX and they say no I dont owe any thing. Portfolio recovery says they have a dispute on the case and everything is on hold. XXXXXXXX XXXX  XXXX say they dont care and are taking the money and they did.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX. 
Bank Name : XXXX XXXX XXXX XXXX XXXX. XXXX : XXXX XXXX : {$110.00} XXXX. 
Bank Name : XXXX XXXX XXXX XXXX. XXXX : XXXX XXXX : {$350.00} XXXX. 
Bank Name XXXX XXXX XXXX XXXX XXXXXXXX. XXXX : XXXX XXXX : {$17000.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

On XX/XX/year>XXXX  my ex boyfriend fraudulently purchased airline tickets on my Apple Credit Card. I contacted XXXX, the airline that he purchased them from, and they told me that a refund was owed to me. After the refund never showed up, on XX/XX/year>XXXX  I disputed the charge on my credit card. After saying they needed more proof, I submitted screenshots of my chats with XXXX where they explained to me that they owed me a refund and would provide one to me. Apple credit card denied my dispute some time later, and when I requested info on why they mailed me the merchants terms which say they do not do refunds and by purchasing through them I agreed to those terms. Upon explaining that I was not the one who made the purchase and therefore I did not accept the terms, my dispute was still denied. XXXX has openly agreed to providing me a refund because the purchase was not made by me and therefore a fraudulent purchase, but I am getting nowhere. It has been 8 months at this point of me trying to dispute it and getting nowhere with this. I have submitted proof of speaking to XXXX on this, proof it was fraudulent, and it goes nowhere. Apple credit card even lists chats with merchant as an acceptable form of proof but refuses to do anything about this. I am being held responsible for a fraudulent charge on my credit card, which is never acceptable. Apple even has record of me reaching out to them after the first dispute and changing all of my digital card info, yet they still will not resolve the fraud charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 16681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have right to privacy and I did not give equifax written permission to furnish these accounts. 

Accounts Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to formally request the removal of inaccurate items from my credit report, which I believe are negatively impacting my credit score. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and deletion. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information.I have no clue what in the world the Credit Bureaus are trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The Credit Bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed information was reporting to my credit file held with by them. These items were fraudulently appeared. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX 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 Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I opened a XXXX XXXX Credit Card in XXXX in XXXX XXXX XXXX. Due to unfortunate circumstances I could n't continue paying for the Credit Card. The acct was charged off in XXXX. Midland Collection Management purchased the debt XXXX. In XXXX I went to XXXX to my father residence. He was very XXXX. I was unemployed at the time.I decided to go and care for my father until he passed in XXXX XXXX. I been a resident in XXXX XXXX and homeowner since XXXX. XXXX XXXX I came back home. On XXXX XXXX, XXXX I found out they took out all of my money from my checking account XXXX. When I went to the bank to find out why. XXXX XXXX XXXX explain to me there was a legal order from Midland Collection Management. They hired a lawyer in XXXX XXXX. They sent a summons to my father 's house in XXXX XXXX. That is not my residence never was. I was there temporarily due to my father illness. My stepmother is not in good standings with me. Therefore, she is not going to forward or even tell me I had any mail there. I do n't understand why they did n't send correspondence to my home address in XXXX XXXX. That is were the acct originated from. Not XXXX. How would I have know there was a summons against me. I called the lawyers and asked them to send me all correspondence that they sent to my father 's house to my home address in XXXX XXXX and their response was that they cant send me anything because its out of their jurisdiction. My response to them was if I 'm out of your jurisdiction how were you able to get my money from my acct here in XXXX. I feel its foul play on there part. This account is a debt that has reached statue of limitations. This acct is from XXXX. I am seeking legal help in this matter. My question is why did n't they send correspondence to my address in the state where the acct originated which was XXXX XXXX and not XXXX. Now I am left with a judgement. Which I will be seeking legal advise to have this judgement reversed or void due to violations on there part.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX, NY XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date Updated : XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXXXXXX Balance Owed : {$3000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Received a loan for {$500.00} in XX/XX/year> to pay bills. Finance charge was XXXX. Total of payments was XXXX. Interest rate was at 696 %. Paid on the loan from XXXX til XXXX and failed to repay and caused financial hardship for me and my family after Covid 19 Pandemic.
Product: Debt collection

Collection account from HUNTER WARFIELD, INC with account and a balance of {$21000.00}. The original creditor is XXXX XXXX XXXX XXXX Credit Start Date XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found several items on the report that are inaccurate. The account in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the account listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please dont respond to my request by saying that the account has been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following account be properly verified or removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX USA ACCOUNT NUMBER : UNVERIFIED AMOUNT LISTED ON CREDIT REPORT XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I settled my debt with convergent outsourcing. The original creditor is XXXX in which I owed XXXX. After settling I realized that the same debt was reporting to my XXXX credit report. Today is XX/XX/2022 and I have duplicate accounts reporting to my credit report. One of which is stating I still owe XXXX. I have contact XXXX and Convergent Outsourcing with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding multiple inaccuracies on my credit report, which have not been properly investigated by Equifax, XXXX, and XXXX. I disputed several items on my credit report, but the company failed to conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ). 

Specifically : 1. Improper Investigation : I submitted disputes for multiple inaccurate items, but the investigations conducted were insufficient. The credit bureau marked these items as verified without providing supporting documentation from the data furnishers. 
XXXX. Unverified Items Marked as Verified : I disputed various accounts that I believe were inaccurately reported. The credit bureau responded by indicating that they were verified, but did not provide any supporting documentation or proof of accuracy for these items. 
XXXX. Reinsertion of Disputed Items : After my disputes were resolved, I noticed that several items I had previously disputed and had removed were reinserted onto my credit report. I was not notified of this reinserted information, which violates my rights under the FCRA. 
XXXX. Data Breach Concerns : Given concerns about recent data breaches involving credit bureaus, I am requesting the removal of any unverifiable or inaccurate items remaining on my credit report. 

Despite my attempts to resolve these issues directly with Equifax, XXXX, and XXXX, they have not provided the necessary information or corrected the errors. I am requesting that these inaccuracies be removed immediately, as they have not been verified and continue to negatively impact my credit report.
Product: Credit card or prepaid card

Capital One is charging interest to accounts after a balance has been paid in full. When I tried to rectify this with Capital One they said that is their policy and that customers need to call in before paying off a balance. Nowhere on their website or statement does it inform customers that they need to call in before paying off a balance. In addition they state that your account has to have an offer before any interest can be waived which customers are also not informed of.