23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Credit Center XXXX XXXX XXXX XXXX XXXX, CT XXXX This company is the debt collector for XXXX XXXX aka XXXX XXXX  XXXX XXXX. 

Credit Center XXXX ( XXXX ) sent me a collection notice for the above Medical group. I advised Credit Center that the bill was paid. XXXX investigated and confirmed that my original payment had been applied to an incorrect account. XXXX confirmed that they would get the matter resolved. 

Another month, XXXX  send me that same bill. XXXX  did not correct the mistake and continues to send me bills and now telephone calls. I can not deal with these incompetent persons at XXXX. 

Bill paid, confirmed applied to wrong account, never corrected and constantly harassment from this debt collector. 

I have filed a complaint with the Dept of Banking for the State of Connecticut, the agency that handles " debt collectors. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX
Product: Debt collection

On XX/XX/21, a credit consumer transaction took place at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX ) where I, XXXX XXXX, used my credit card ( ss # ) to sign a promissory note in the form of an installment " contract '' in which the 1ST lien holder, SANTANDER CONSUMER USA, took a security interest. During the transaction, XXXX XXXX, explained that I, XXXX XXXX will receive an " auto loan '' ; however, according to XXXX, I am the authorizer of this promissory note. Therefore, as a result, there was no " loan '' involved during the credit consumer transaction. 

Pursuant to 15 USC 1635 ( a ) -- as a consumer, I have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. 

On XX/XX/21, I, XXXX XXXX with notarized administrative process sent certified mail receipt ( XXXX ) to SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) to no avail and no return. 

Furthermore, there were numerous Federal Consumer violations within the said, " installment contract '' which are attached with invoice with affidavit. Not to mention, SANTANDER CONSUMER USA sent a bill. The document is misleading because I, XXXX XXXX have no obligation and can not pay a debt with a debt ( Federal Reserve Notes ), Pursuant to 18 USC 8 -- It reads -- The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps I, XXXX XXXX, the natural person do not owe a debt. 

SANTANDER CONSUMER USA, has been harassing me, the natural person about collecting a debt via phone ( leaving voicemails ), emails and mail Pursuant to 15 USC 1692c. ( c ) -- I notified in writing to SANTANDER CONSUMER USA on XX/XX/21 that I refuse to pay this alleged debt, and I am demanding to cease all forms of communication with me, the natural person through any and all mediums. 

Attached are screenshots of calls and emails. 

Additionally, are listed below employee ID # XXXX from SANTANDER CONSUMER SERVICING DEPARTMENT AUTO FINANCE COMPANY in correspondence to the call : ID # : XXXX - XX/XX/21 - XXXX CST ID # : XXXX - XX/XX/21 - XXXX CST ID # : XXXX - XX/XX/21 - XXXX CST ID # : XXXX - XX/XX/21 - XXXX CST ID # : XXXX - XX/XX/21 - XXXX CST ID # : XXXX - XX/XX/21 - XXXX CST ID # : XXXX - XX/XX/21 - XXXX CST ID # : XXXX - XX/XX/21 - XXXX CST ( XXXX OFFICE - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I worked out an arrangement with Convergent Outsourcing to settle a XXXX account that originally belonged to XXXX. The agreement was that if I paid XXXX XXXX would cease all collection efforts on the account. I did pay the agreed upon amount and Convergent returned the remaining amount to XXXX, assuring me that all collection efforts would cease. After a couple weeks I noticed that XXXX had shown that the account had a XXXX balance, but was still listed as a collection account. I disputed this with XXXX and I got the attached dispute response when they show that was no longer listed as a collection account, but indicated that the account would remain on my credit for XXXX years. 

Yesterday, after paying XXXX  {$29.00} I looked at my credit report and discovered that they had in fact not removed the account from the Collections section of the report. I contacted XXXX XXXX whom I have an account with, and asked what could be done to get the information corrected, as the credit bureau was still showing the account as a collection item and that was not what I had agreed to. That conversation is also enclosed and shows that they have also tried to get the information straightened out. I spoke to Convergent, and they told me that they reported it as a closed account, but they could not guarantee how the credit bureau reported it. I also attached a copy of the letter of agreement from Convergent.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$25000.00} XX/XX/XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

The following issues I am having has been as a result of a take over by Comenity Bank of my XXXX Signature Credit Card originally issued by XXXX XXXX XXXX. This takeover happened during XX/XX/XXXX where Comenity issued new credit card numbers to all its members. Around the same time, I was considering the purchase of a car by XXXX. There were two ( 2 ) separate charges on XX/XX/XXXX for {$1000.00} and {$8200.00} by XXXX charged to my XXXX XXXX XXXX XXXX Visa Credit Card ending in XXXX. 
I did not purchase the car, nor was it ever removed from the dealership lot. The vendor proceeded to process a refund however because the credit card number had changed the refund was not successfully processed. The dealership suggested I contact the Credit Card company to file a dispute. 
Once I learned Comenity had taken over the credit card, I opened a dispute on XX/XX/XXXX with Comenity for the charges to my XXXX Credit Card by XXXX for the purchase of a vehicle. This dispute was filed within 90 days of the credit charge. And without notifying me of the status of my dispute, Comenity closed my inquiry without further notice. This was a violation of my rights to have a claim properly investigated. I re-opened the dispute again in XX/XX/XXXX ( letter attached ) which indicated they would investigate the dispute. I told them the vendor XXXX requested a new account number be provided directly to them so that they can refund the money directly to the credit card issuer as opposed to sending it to me in the form of a check. They opted for this manner of returning the money because it protected them from any claims by the credit card issued for any unlawful actions on their part. 
The attorney for the vendor ( XXXX ) indicated they had not heard from Comenity as of XX/XX/XXXX. 
I received correspondence from Comenity dated XX/XX/XXXX indicating they were unable to locate information regarding my purchase and for me to contact the Service Provider directly. This letter comes despite the multiple calls I made with Comenity on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and then on XX/XX/XXXX to have my issue escalated to Comenity 's Global Disputes team ( XXXX ). On each call I was told no update was available, and I reiterated the vendor is requesting to have the card issuer provide an updated account number to return the money since the original credit card number had changed from XXXX XXXX XXXXXXXX to Comenity
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint for an on going issue with Equifax. I have already tried disputing these issues, with no success. They have taken my information and combined it with another women 's information. We are two different individuals, we live in different states, our first name 's are similar but spelled different. It's our last names that really construed everything. Her last name by birth is one that I received in my first marriage back in XXXX which is when our issues both started. I need the Equifax Credit Bureau to do their job correctly. Right now I am unable to use my credit. No loan provider will touch my credit. Due to all the miss information that is there. When an issue like this arises and it causes devastating affects on my Family. I take that extremely personal. I have already been through this with XXXX  who fixed their stuff back in XXXX which took a bit. Also I'm going through this this right with XXXX. I have provided these credit bureaus with all the correct documentation to prove my identity. Yet still they wish to argue and destroy people/ families lives. Please help me Consumer Federal Protection Bureau restore my credit with the correct information ; Thank you.
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  : account number XXXXXXXX XXXX  : account XXXX XXXX, XXXX XXXX XXXXXXXX : XXXX, XXXX XXXX XXXX : account number XXXXXXXX XXXX/FED LOAN SERV : account number XXXX, XXXX XXXX XXXX  : account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX : account number XXXX, XXXX XXXX XXXX : account number 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 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: Mortgage

This complaint is in regards to a mortgage statement we received from our servicer NewRez LLC DBA Shellpoint Mortgage Servicing with a Payment Due Date of XX/XX/2021. 

XXXX. The statement shows the Payment Amount as {$0.00}. Why is the Payment Amount shown as {$0.00}? 

XXXX. What is the Attorney Cost Disbursement charge in the amount of {$350.00}? The only payment that we owe NewRez LLC DBA Shellpoint Mortgage is a principal, interest and escrow payment. 


The above referenced Mortgage Statement has a Payment Due Date of XX/XX/2021 but we did not receive this statement until XX/XX/2021.
Product: Mortgage

I am working with the borrower on a short sale with Nationstar Mortgage. The lender is pushing the short sale into an auction site called XXXX but utilizing this site has been very stressful for the seller. He is an elderly man with health issues, he and his family have been continuously harassed by people, brokers and lawyers but Nationstar refused to bypass the auction. There is already a buyer involved and there is a legitimate offer on the table which we are trying to have reviewed. This auction site is very inconvenient and is technically not an investor guideline to review short sales.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft and unauthorized accounts have been fraudulently opened in my name. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following accounts from my credit report, as these accounts were opened without my authorization : XXXX. XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1800.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3700.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email saying a new bankruptcy was added to my TransUnion credit report the email was from today at XXXX I will also be contacting TransUnion about this error as I have only filed once in 2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$500.00} XXXX  XXXX Balance : {$960.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$180.00} XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$500.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company calls my phone multiple times daily harassing me. They did NOT notify me my credit would be affected and it certainly has been affected.
Product: Credit card or prepaid card

I signed up for a Costco Citi card because of its generous rewards program. Once the COVID-19 pandemic quarantining began, I communicated with " XXXX, '' over chat, who identified herself as being from " team number XXXX '' the company refuses to offer any alternate way to redeem the almost {$200.00} check. 

See chat transcript below : Info at XXXX, XX/XX/XXXX : Youre now being transferred to the next available representative. 
Youre now connected to XXXX. 
You at XXXX, XX/XX/XXXX : Hi there. I received a physical paper check that must be brought into a XXXX, despite the pandemic. Have you come up with alternate ways to redeem? 
( rewards check ) Read XXXX at XXXX, XX/XX/XXXX : Good Afternoon, the rewards certificate will need to be used at a Costco warehouse. It doesn't expire until XX/XX/2020. 
You at XXXX, XX/XX/XXXX : Yes, and what makes you think the pandemic will have subsided by then? This is unacceptable. I will be reporting Citi to my state Attorney General 's office. 
Read XXXX at XXXX, XX/XX/XXXX : I apologize for any inconvenience. 
You at XXXX, XX/XX/XXXX : What's your last name or employee ID for the CFPB complaint I'm filing? 
Read XXXX at XXXX, XX/XX/XXXX : I can only give my first name and my team number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday, XX/XX/2022, I received an email alert from Experian that a new account had been detected by XXXX on my credit file, therefore impacting my credit score. Someone has fraudulently opened a " XXXX '' credit card or bank account in my name. Upon further investigation, I learned that XXXX XXXX " is a digital banking platform and the only full-suite banking solution for internationals in the U.S., providing U.S. bank accounts, debit and credit cards. '' This is the second time that someone has opened a " XXXX '' account in my name and triggered an alert from the credit reporting agencies and the 10th+ time I have wasted valuable time and resources investigating and disputing these nefarious activities. I have no interest in contacting XXXX XXXX  directly, as I am suspicious of their legitimacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed XXXX disputes with Equifax. An account from XXXX XXXX is too old to be on my account. The date of my last delinquency has been over XXXX years and they are still reporting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting inaccurate information on my consumer report. Even after I have made a plethora of attempts to inform them of this violation, they continue to show inaccurate information on my consumer report and choose to stay in violation of my consumer rights. 

They continue to give me cookie cutter responses and show the account XXXX as verified. 

When I exercised my rights under FCRA 611 A ( 7 ) and requested a complete breakdown of the methods they took to undergo this investigation, who they contacted and the actual steps they took to verify this, I also demanded to be provided with the original contract bearing my signature, when I confront them and ask them how they can possibly verify this and other credit bureaus who actually took the proper steps did not verify and so then complied and deleted this inaccurate item, they do not respond. 

They must delete this inaccurate account and comply to stop being in violation of my consumer rights by continuing to negligibly report this inaccurate information on my consumer report even after being made aware.
Product: Credit reporting or other personal consumer reports

This morning, I discovered that incorrect accounts had appeared on my credit report, and I have no idea how they got there. I regularly check my credit report, but this time, I noticed unexpected inconsistencies. I even refreshed my browser, thinking it might be a temporary glitch, but the errors remained. Given this issue, I request a thorough review of the documents I submitted to ensure I never have to worry about this again.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and discovered 3 delinquent accounts that does not belong to me. However, I firmly believe that these accounts entry is incorrect and should not be associated with my credit history.

In accordance with the Fair Credit Reporting Act. These accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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. 

I kindly request that you conduct a thorough investigation into this matter and rectify the erroneous late payment entry on my credit report as soon as possible. Under the FCRA, I am aware that each violation may result in a penalty of {$1000.00}, and I expect appropriate action to be taken to address this violation.

Enclosed with this letter, please find copies of relevant documents including payment receipts and statements that support my claim. I urge you to consider this evidence during your investigation. 

I expect timely resolution of this dispute and a written response within 30 days as mandated under the FCRA. Additionally, I request that you provide me with an updated copy of my credit report reflecting the removal of the inaccurate Accounts entry. 

Thank you for your attention to this matter
Product: Debt collection

Per the CARES Act. The XXXX has announced that it will extend the moratorium until XX/XX/XXXX, XXXXCOVID-19 negatively affected me and could not pay rent. The company was informed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Everytime i request and equifax credit report or credit score there is and error messege telling me to call them but everytime i speak with them i get the samething which i have to verifiy who i am but when i verify my self I still can get no credit report or see my disputes.
Product: Debt collection

Capital one repeatedly sends emails to collect a credit card debt through email communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to remove unauthorized inquiries XXXX  XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 after sending letter after letter asking them to provide prof that the inquiry are mine or any Signature bearing my my name but failed to do so told them that they are not mine According to the FCRA Legally anything unverified and unauthorized must be removed