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

Financed XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX dealership. Finance company Santander Consumer USA. This finance company repossessed the car in XXXX after I had made 3 payments in one month. I went hungry trying to make these payments and they still took it. Even though I expressed to them that the car had major issues in which I had to pay repair after repair. I also have the proof of this. I also have statements showing they were adding unknown fees every month for hundreds of dollars for unknown reasons. After struggling to pay repossession fees they gave me the vehicle back and after driving it 5 min it left me stranded in the middle of a busy intersection in which I almost got killed. The emergency lights were not functioning. They did not assist with this either. This company still shows on my credit report making a huge impact the past 6 years to where I cant get any loan anywhere. This has ruined by life immensely. I havent had the chance to better my finances or my life due to the impact this car made to my credit. It has taken a toll to health and the chances of having a decent future.
Product: Student loan

After being unable to pay my student loans navient only suggested forebaring and deferring payments. They never offered income based repayment. My loans went into default and only learned about income based payments through a loan rehab company.
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 XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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 XXXX 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, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was mentioned in my previous COMPLAINT #, and I include it again. 
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
Product: Credit reporting

For the third year in a row, I have requested my free credit report as required by law. I have had no problem getting these reports from XXXX or XXXX. However, I have yet to receive a report from Equifax. There is always something wrong with my responses to their questions and I must " request my XXXX credit report via postal services. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year, XX/XX/XXXX, I became aware of a negative item from XXXX Card Services appearing on my credit report with all three major credit reporting services. An account with XXXX was allegedly defaulted in XXXX and charged off shortly thereafter. I filed a dispute with each and the item was allegedly verified by XXXX. I then wrote XXXX  on XX/XX/XXXX,  requesting they validate item under the FRCA by providing competent evidence bearing my signature or other item stating that I have or ever had a contractual obligation to them. I received two letters from XXXX   dated XX/XX/XXXX. Each letter was from customer service and bore no name or signature. One letter contained only a copy of statement purportedly from the period XX/XX/XXXX-XX/XX/XXXX. Letter 2 contained only a copy of a purported statement from XX/XX/XXXX-XX/XX/XXXX, with no explanation of any kind. These statements were 15 years old. It appears obvious they have nothing bearing my signature or anything to show a contract and they are obfuscating that fact with only these very outdated statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX which is ( my sons student loan ) reported a XXXX late payment on these XXXX dates on all XXXX accounts. Which my son was enrolled in school and his loan was in deferment. Somehow there was a computer glitch and we have to pay the price. It is not right. HAVE MADE MULTIPLE ATTEMPTS TO HAVE THIS REMOVED OFF MY CREDIT REPORT WITH NO HELP FROM AGENCIES. They will note it on my report and do nothing else. 

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: Debt collection

I moved out of an apartment in XX/XX/XXXX and thought I had paid the rent in full after a security deposit because I never received my security deposit. Then in XX/XX/XXXX, I received an email about the debt for an amount that was far more than the rent I ever paid. I thought it was a phishing scam, so I ignored it, and then they reported it to the credit agencies and it's showing up as collections on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit report on me.. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove unauthorized inquiries on my credit report.. This is a violation of the Fair Credit Reporting Act Section 1681b(c) and a serious breach of my privacy rights RemoveXXXX, XXXX XXXX, XXXX XXXX , XXXX-XXXX, XXXX   XXXX
Product: Student loan

My private loans have been sent to an outside collector named Allied Interstate. They call multiple times a day, they were verbally abusive, and threatening when I had spoken with them. They call all hours of the day, and interrupt me while I am working.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not perform a reasonable investigation. They stated that I previously Submitted a Dispute however that is incorrect because the attachment shows their response stating that they couldnt perform a reasonable investigation because I didnt submit enough documentation which once again is false, I did submit all the required documentation. Experian states that they contacted the creditor, XXXX XXXX XXXX to verify the accuracy and XXXX XXXX XXXX stated it was accurate. I would like to know how they verify this information. Experian needs to present me all the documentation They received and procedures they performed to investigate my dispute. I understand that filing complaint and after complaint may seem overwhelming however this is the best way to create documentation because when I mail them my letters they always send me a response stating that they dont have documentation for me to perform the investigation.
Product: Credit card or prepaid card

Fraudulent charge was made on my account XX/XX/2022 to XXXX for {$10000.00}. I filed a fraud claim with Bank of America. I received a denial letter dated XX/XX/2022. They claim the charge was made from my verified device such as cell phone or tablet. I do not have a tablet and my phone is not tied to my credit cards or bank accounts. I do not have an account with AIRBNB and they did not recognize my phone number when I tried to call. I filed a police report. I am currently appealing their decision.
Product: Credit reporting or other personal consumer reports

XXXX Experian and XXXX are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXXXXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXXXXXX XXXX XXXX  are inaccurate and must be removed.
Product: Debt collection

MACYS XXXX : XXXX I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation. 
The information in this ID Theft Report is Clearly LEGIBLE. I am a victim of ID Theft a Government agency has confirmed this fact. I did not receive any benefit from these accounts. There is no need to request for further identification MACYS is again violating the Fair Credit Reporting Act they claim to verified these accounts yet have not sent Any Verifiable proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau Equifax is reporting a collection account with XXXX XXXX XXXX XXXX. This is inaccurate and is not my account. They are reporting 3 collection accounts in the amount of {$220.00}, {$41.00} and {$41.00} on my credit report. This debt was already removed from my XXXX credit report.
Product: Checking or savings account

There was a fraudulent ACH charge on my acct and the bank tells me that theres no way to prevent any future ACH charges from acct.
Product: Debt collection

The company has repeatedly called friends of mine and harassed them about my debt they have also come to my moms house a number amount of times to discuss my debt with them telling them they were going to have to take me to court even after they have told them I dont live there anymore.
Product: Mortgage

I am a XXXX Veteran who became late because of confusion from the VA dept. They suspend my payment by error, and I had no income. I became default on my mortgage. I was able to get everything corrected with the VA department and I now receive my full benefits again. I tried to apply for a modification because I resolved my hardship. Nationstar declined me because I make to much money? Unable to reduce the payment I have been told. I am trying to avoid a foreclosure.
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I am a XXXX veteran on a fixed income. I was injured in XXXX XXXX and this is the only income I will have for the rest of my life. I was in the XXXX from XXXX - XXXX and I have fought in the XXXX XXXX.
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I am not trying to lower my payment. I am trying to save my home from a situation I could not control. I want to avoid a foreclosure or a bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 : Sent letter to original creditor asking to verify debt by performing a reasonable investigation. I also requested that they send me an explanation of the investigation method they used to verify my account. 

They sent me back a letter saying they didn't know what I was disputing and to to dispute with the four credit bureaus ( Experian, XXXX, XXXX  and XXXX )
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, swas unf ily charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit card

On XX/XX/XXXX AT & T Universal Citicard texted me about a XXXX charge for {$15.00}. I contacted the company as directed to verify that charge was not mine. They closed the account & advised they would be sending another card. Citicard did not provide the account number to me but advised it is on the web account. 
On XX/XX/XXXX I signed onto my account and discovered two XXXX charges on XX/XX/XXXX : {$120.00} & {$75.00}. Immediately contacted the company to advise the charges were not mine. When the account was due I paid the valid charges on the account as advised by the customer service representative. 
On the XXXX statement these charges still appear & when I called, I was told that the customer service rep submitted it as a dispute instead of a fraudulent charge. XXXX responded to the dispute as a valid charge to my credit card number. ( At this point need to interject that I do NOT have a XXXX account ). 
When the bill arrived, I called & discussed at length with the cc department who then transferred me to Fraud Department then to the Security Operation department. Thought that all was understood and trusted that they would do as they outlined ... provide the credit to the account. 
The new card was not activated and NOT used. AT & T continued charging interest and late fees despite my continued calls & their assurance that corrections were in the works. This resulted in my credit rating change which distressed me so I made minimum payments to stop the harassing text messages and phone calls. 
At this point your intersection would be appreciated as I have called, written and been promised resolution. I have been a Citicard holder since XXXX with several accounts which are paid in full each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claims the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

XXXX XXXX XXXX XXXX  {$1700.00} is owed XX/XX/2022 Sent to collections due to non-payment Lender Information : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Debt collection

Do not have any knowledge of this Credit Account on my XXXX  and XXXX  credit file to Original company XXXX XXXX. Contacted them and confirmed debt is not mine however FCO will not remove from my credit file. Insist that closed account is accurate. Please assist and remove
Product: Credit reporting

I had contacted equifax on a collection by XXXX, they had bought this from XXXX and are reporting the wrong amount.
Product: Mortgage

My Mortgage was purchased by Specialized Loan Servicing. I pay by check every month so I have record of my payment. On XX/XX/2020, my check for XXXX cleared my bank. I have record that it was taken from my account by Specialized Loan Servicing. 
They claim they did not receive payment. My wife and I faxed them our bank statement that shows the electronically cashed our check. 
We have called in XXXX and XXXX. The representatives have not helped and just say they will open a report to try to find where our payment was sent. They have been rude and unhelpful. 
Our credit scores have dropped 80 points because they are showing a delinquent payment, yet it was on time.
Product: Bank account or service

I recently deposited a check for final wages to from my employer and my financial institution-BBVA Compass- placed a hold on the funds. Due to the large amount, it was to be expected, and I had more than enough funds to cover my outstanding transactions. Unfortunately, my deposited check was returned, but instead of just reversing the hold, BBVA reversed the amount from my available balance. Ultimately, this resulted in twice the amount of my deposited check being withdrawn from my account. After numerous phone calls, I was left with, " The hold will drop off some time today. '' In the meantime, the bank has returned XXXX of my items and charged additional NSF fees.
Product: Student loan

Nelnet has my XXXX benefit documentation yet has failed to update all of my loans and payment status accordingly. They have repeatedly kept asking for social security documents and continuously keep switching me to REPAY then back to PAY AS I EARN then back to REPAY every few months. I do not have a review with the social security administration for another 7 years!!! This is working on my account in bad faith and intentionally trying to create a default on my student loans. A social security recipient should have to continuously keeps going through this every few months with Nelnet. I need the CFPB to investigate on the complaint on this matter.
Product: Credit card

Capital One is the worst! Over two months ago my replacement credit card never arrived, so when they sent an email to verify its arrival I responded that it hadnt. The next I heard from them was an early morning phone call ; to my wife, not me the actual account owner, who then told them to call me. Well, they then told me that over {$2000.00} was charged to my account and asked me to prove who I was to rectify the issue. They asked for a government issued id with a picture, social security card and proof of residence. I was sent a link to send the documents to which I immediately did. Next morning another call saying they couldnt read some of the docs so I sent them all again. Now two months later another early morning call to my wife from Capital One who once again asked why call her and not me. Another call ten minutes later to me this time telling me that fraudulent charges were made on my card and I needed to verify who I was again to prove that I hadnt made those purchases. They would not even tell me where, when, or the extent of the charges made tellingly me they couldnt tell me. I explained to the representative, who I could barely understand cause her accent was so thick ( calling me from XXXX XXXX XXXX, I live in the USA by the way ) that all this had been done already two months ago with all the requested documentation already sent to them. However, I was told that I needed to send them again. No reason why or explanation was given and that they couldnt answer any of My questions without the documentation. Once again I sent them all the requested documents to their secure fraud investigation site. Today my wife got called again instead of me and told them to call me. When they eventually called me ( again someone I could barely understand ) I was told that I needed to resend some of the documents because they couldnt read them ( perhaps if they had representatives from the USA they might be understandable and could read documents in English! ). I have to add at this point that I have high end equipment and all of the documentation I have sent are 100 % perfectly clear and easy enough for my XXXXXXXX year old grandson to read.Of course the exact same documentation they said they could not read this time had been received by them two months ago and verified by me ( I called Capital Ones fraud division ) that they had gotten them and were all acceptable.So here I am, two months later exactly where I started off. Lost card, no replacement, and fraudulent charges to my account.To say that Capital One is INCOMPETENT is an understatement! If I could afford it, Id take out a full page newspaper add in XXXX XXXX XXXXXXXXXXXX to let the world know how bad Capital One is.XXXX : I had some fraudulent activity on my XXXX XXXX years ago and it was immediately resolved with one 15 minute phone call and a replacement card was mailed and received within three days of the phone call.This Capital One account was only opened as a completely independent account to write checks and to receive government issued payments. 
Date of experience : XX/XX/2023 2023