23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander # : XXXX is mistakenly reporting me late. I recently traded in my vehicle and a check was mailed to payoff Santander in full. I called and spoke with a representative at Santander and they confirmed they received the payoff check. Then suddenly, Santander lost the check. For this reason, I had the dealer cut out a NEW payoff check with a tracking number this time. Which was delivered before the 2nd late payment was due. Please remove the late payments Santander is reporting on me as it was a mistake on Santander. Please audit Santander 's phone calls to verify claim. Also, please see my attached supporting documents. 

As you can see in my report I have no other late payments for quite some time and am able to provide all documents and info tracking trade in and dates.
Product: Debt collection

I XXXX XXXX believe that under the modified Fair Debt Collection Practices Act that I should have all aspects of foreclosure ceased against my home until I can package all documents necessary for a mortgage modification. When my wife went through a XXXX, she had to leave her work that paid more than {$30000.00} per year. I had to take an extended leave of absence from my job, but I am fully employed again. In XXXX of XXXX I was involved on a conference call with the representatives of Wells Fargo Bank, XXXX, XXXX XXXX XXXX, XXXX and the clerk of the court. During that discussion, I was given until XXXX XXXX, XXXX to present all my documents to XXXX, XXXX XXXX XXXX XXXX. I will have a complete modification package within the next week, and it looks like my wife will be able to start work XX/XX/XXXX. On XXXX XXXX, XXXX, the law firm filed a Notice of Motion proposing the granting of Summary Judgment on my case. I am burdened with a great deal of medical debts as well as additional debts I defaulted on while my wife was sick. I intended to obtain a mortgage modification, then file a bankruptcy petition Chapter XXXX to alleviate all debts outside of the bankruptcy. I can not deal with the excessive pressure presented against me now. I need all foreclosure actions to cease under my rights with the Fair Debt Collection Practices Act mandate of XXXX XXXX, XXXX until a resolution on a modification can be accomplished.
Product: Debt collection

I was contacted by XXXX XXXX XXXX over the last three months and they have already listed a " Collection '' with my credit agencies hurting my credit score.

I have-on every occasion- asked them to provide me proof that this debt is mine... they refuse to do it. 
I wrote a letter to them sent it certified return receipt wherein I requested information on the original creditor : name, address, account number. If the debt started with another creditor their name address and account number and the date the debt was transferred. 
I asked for a copy of the original contract between me and the original creditor to prove it's a valid debt ... .the date this debt became delinquent and an itemized payment history, I asked if any fees have been added I asked if they they had a debt collector license in Georgia and if so provide the name on the license and the license number plus the name of the state agency that granted the license. 
I told them that I dispute the debt. 
They received the letter on XXXX and acknowledged such but told me they did not have to provide me with anything! 
They refuse to show the collections reported to the bureaus as being in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over ten years now, XXXX  has denied me direct access to my credit file with the except when I am attempting to apply for credit through a third party. I.e a credit card company, etc. 

Information continuously being reported by XXXX  reflecting my both my employer and phone are incorrect. 

There should be no other employer on record order than XXXX XXXX XXXX & XXXX, XXXX. And my phone number is : XXXX. 

XXXX must lift the fraud alert on my credit file immediately. I did not request it. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is reporting inaccurate information on my report. My address on file is accurate and current but EXPERIAN has accounts on my credit file with an address I never lived in. The address on those accounts dont match the address listed on my report
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that Ive been victim of Identity Theft and found numerous credit inquiries I have no knowledge of here are the inquiries Ive have found ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Co-signer of loan not notified of non payment before loan turned over to collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX have agreed to delete their account from my credit back in XXXX 2021. Please see the attachment OR see the results to my previous claim with the CFPB. Experian is the ONLY bureau to not have updated this information yet. Experian needs to delete XXXX from my credit reporting asap! I have attached a copy of my Experian report as proof as well.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$230.00} XX/XX/XXXX XXXX XXXXXXXX {$2200.00} XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX {$2200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$730.00} XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/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

CAPITAL ONE, USES WORDS PURPOSELY TO CONFUSE THE PUBLIC INTO THINKING THAT THE PERSON OR VICTIM, MUST PAY THEIR BILLS IN FULL ... .. XXXX... XXXX  IN A ROW, TO AVOID AN INTEREST CHARGE. 

IN WRITING ON THEIR BILL AND BY SCRIPT TO THEIR HIRED GUNS ON THE PHONE. 

I'M NOT ONLY AN INTELLIGENT RETIRED MEDICAL DOCTOR, BUT A MATHEMATICIAN THAT CORRECTED MISTAKES IN MY PROFESSORS ADVANCED CALCULUS TEXTBOOKS ( XXXX XXXX @ XXXX University ). 

True interest calculated for the XXXX month isnt done until the XXXX months bill ), but its calculated only if there is a balanced not paid by the due date, only on the balance of the bill thats due ( not charges not yet settled or billled by date the bill is produced. For example on bill of XXXX month is paid in full by XX/XX/XXXX, on a bill that due on XX/XX/XXXX : ( XXXX ) they mislead you some portion of charges is involved from month XXXX and ( XXXX ) the calculation not yet done until month XXXX bill produced, is XXXX and is XXXX whenever they calculate the interest charge X XXXX XXXX  for the last 3 days of XXXX nd months bill. THEY CAN NOT CHARGE DAILY INTEREST, when they state if you pay off your bill by the due date ( any due date ) no interest is due, and if calculated X by XXXX $ IS XXXX. 

Also on my bill they wanted me to pay {$100.00} on XX/XX/year>, and was credited XX/XX/year>, on the next months statement, even though the balance due date is XX/XX/year>. 

AND I HAD TO PAY {$600.00} twice in early XXXX ( XXXX and XXXX before due date XXXX ) because of some error at my bank, AND CAPITAL ONE,,,,,, RATHER THAN DELETE THE EXTRA CREDIT, THEY re - ADD {$600.00} on XX/XX/XXXX,,, I'm sure to effect and erroneous interest calculation.
Product: Credit reporting or other personal consumer reports

I have an account with XXXX XXXX which is on payment plan for 48 months and payments deducted automatically from my checking account. When the program started apparently there was a payment due and instead of making the payment thru my deductions they continued to mark my credit late 30 days monthly for 8 months. I had to make and extra payment when I was already in a payment plan. They should have deducted the amount that they considered late and not ruined my perfect credit. How can a payment be 8 months 30 days late doesnt make sense? I want the credit corrected to never late and taken off my credit report because I have made all my payments on time since we started on the payment plan from my automatic debit card.
Product: Credit reporting

Now married to my husband, I have XXXX now attempted to simply get added to our joint account so I may be issued a debit card and purchase groceries, etc. My records indicate, as ChexSystems just sent me my requested copy dtd XX/XX/XXXX that queries were made on XX/XX/XXXX and 5XX/XX/XXXX by XXXX XXXX XXXX XXXX. The bank indicated XXXX times that a code was returned that they can not override indicating I do not qualify to do business with their bank. The reason provided : the code received back from ChexSystems. 
I then requested the report ChexSystems sent XX/XX/XXXX and it shows the XXXX queries but no other information at all regarding the reason for the code or any cause for me to be denied anything via ChexSystems query. My report shows " no information found '' under the check ordered and reported information sections. If this is indeed the case, reporting to the bank a code that denies me membership is a misreporting of my status and should be corrected as soon as possible. If the report I requested is missing information, then this report should be corrected so I can then find the source of negative reporting and get the situation corrected or disputed properly. 
I therefore request either a corrected report or a correction to the code returned when a bank requests information regarding me using my social security number or name. If possible, I further request an explanation why for the past year I 've been unable to be added to a joint bank account with my husband, yet the report I requested contains no negative reporting associated with my social security number. 
I believe I have a copy of the bank 's " bad code '' report, but I definitely have a copy of my ChexSystems report if needed. 

XXXX XXXX
Product: Mortgage

XXXX/XXXX/XXXX Nationstar Mortgage XXXX XXXX XXXX XXXX XXXX, Texas XXXX Thank you for the copies of the loan modification. As you can see or should be able to see, this is only a copy of the XXXX Trail Period '' XXXX had put us on and then extended it for approximately a year or better. 
So the papers you sent me are not what I asked for or have been asking for. I am looking for the completed modification with all the documentation on how we went from a fixed 30 year interest of XXXX and why it increased to XXXX last XXXX, XXXX, and is going up to XXXX this XXXX XXXX. I know that this is still a relatively low interest rate, but going up 2 % is a hardship on us when my mom is on a fixed income of Social Security and my take home pay is less than when I started my job six years ago because of the increase in cost of my share of my portion of my health insurance. I know this is not your problem and that you really do n't care. My point is that by law I have a right to see these documents and I ca n't tell you the number of times I have called and requested them and you keep sending me a copy of the trial period and not the finalized modification. I want to see in writing please how it was decided that my interest rate would go up, the number of points that were added, how much was charged for doing the modification and if the balance of the difference between our regular mortgage payment and the trial modification was added back into the loan. We never received a copy of this and like any other financial institution if you are refinancing, having a closing or taking out a loan, all parties should see the documents and agree to the terms and conditions. Until I receive a copy of the documents, I can not agree to the increase to 4.75 %. 
I feel I have been very patient in this matter, but I am very frustrated. I have spoken to so many of your customer service representatives, the one I 'll never forget is the XXXX XXXX said it was none of my business on how the figures were arrived at. And the other XXXX was a written correspondence from Nationstar saying an audit was done on my file and everything checked out fine, but then why ca n't I get a copy of what I 'm looking for? I 'm wondering if anyone else has these issues or am I just the lucky XXXX. 
I hope the next correspondence I receive from you is what I am requesting. 
I have been trying to get a straight answer from you for years and since you have yet to supply me with the documents I am requesting, I feel you are hiding something like it 's a predatory loan. The only signature on file for us is the trial modification. We never signed thee final modification and that 's why we have n't received it. 

Sincerely, XXXX XXXX
Product: Mortgage

My parents took out a loan for XXXX over the phone which is illegal. The loan was predatory from XXXX Mortgage in XXXX. I have proof. Ocwen was paid XXXX during a modification or and know they are trying to come back again as PHH for another XXXX. I have proof and Ocwen and PHH have merged into XXXX company. I am the daughter who has the deed to my deceased parents. They are trying to make me pay the XXXX back and almost own the house. They will not accept any payments unless I sign the papers saying I will pay back the loan. I can be reached at XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of my XXXX DEPTEDXXXX student loan ( s ) due to a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g. FERPA strictly prohibits the disclosure of student educational records without written consent, yet I have reason to believe that my personal and financial records were unlawfully accessed by unauthorized third parties, including XXXX XXXX XXXX DOGE related entities. Upon investigation, I have found that : 1. Unauthorized Third-Party Access : My personal and financial student records appear to have been improperly accessed, shared, or utilized by individuals and/or organizations with whom I did not consent to share my information. This includes entities affiliated with XXXX XXXX 2. Breach of Privacy Rights : I was never informed of, nor did I consent to, the release of my educational data to these third parties. This is a direct violation of FERPA regulations. 3. Compromised Loan Agreement : If my student loan was issued or influenced by parties who illegally obtained my educational data, then its legitimacy and enforceability are in serious question. Requested Actions : In light of this FERPA violation and unauthorized third-party access, I demand the following immediate actions : A complete audit and review of my student loan records, including how my data was obtained and whether it was improperly shared. A written response within 30 days acknowledging my dispute and detailing the steps you will take to remedy this violation. I demand the immediate cancellation and discharge of my student loan ( s ) as they were obtained under legally questionable circumstances. If this matter is not resolved promptly, I am prepared to escalate my complaint to the U.S. Department of Educations Family Policy Compliance Office ( FPCO ), file a formal legal complaint, and pursue further action against the involved parties. I expect a prompt and fair resolution to this issue.
Product: Debt collection

A Commonwealth Financial Services collections account appeared on my credit report a couple of months ago from a XXXX XXXX stay. At no point before the account appeared was I notified of an amount due that wasn't covered by insurance. Upon finding out about the collections account, I contacted Commonwealth for more information on the debt and they gave me the original creditors ( and subsequent client 's ) information. I reached out to my insurer and they researched the account and figured out that the physician 's office had billed incorrectly. They were able to get the claim re-processed and paid as of XX/XX/XXXX. The insurer sent me an Explanation of Benefits and informed me that they were unable to reach the original creditor ( XXXX XXXX XXXX XXXX ) and notify them. I have since reached out to Commonwealth Financial Services and have gotten nothing but the run-around and voicemails, I simply wanted a way to provide them proof of payment directly from my insurer, so that they could delete the records from the three credit bureaus. This is harming me because I now have a scarlet letter on my credit files die to no fault of my own, which had caused a significant drop in my credit score during a very trying time.
Product: Consumer Loan

Hello my name is XXXX XXXX and I was illegally/over charred in price and intrest rate for a XX/XX/XXXX XXXX XXXX from XXXX in which Credit Acceptance Corrporation assist. I was manipulated into putting the car into my name because the original purchaser was denied by the bank and my name was n't. The car went into deep I status and was reported stolen XX/XX/XXXX which was never recovered or sault after in which I told them I wanted them to find the car and remove me from the loan due to non payment and my credit score declining XXXX points. I really think I was discriminated against because of me being a woman with little knowledge of the loan processing. Please help me!! 
XXXX
Product: Debt collection

I sent two requests to this company requesting they provide verification of this debt. Each response provided does not provide the requested documents needed to confirm this is in fact my debt. In fact their last communication accused me of submitting a frivolous request when this company has the obligation to validate this debt I say I owe. I am making a request that is within my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Payday loan

I received a mail from Mobiloans that I was prequalified for {$1000.00} loan. I applied for the loan and was charged {$100.00} which brought the loan to the total amount of {$1100.00}. I was never told that I will be paying {$95.00} financial in each billing circle. my payments are schedule bi-weekly some times in the amount of {$150.00} or {$140.00}. All I thought the {$100.00} added to the original loan was fixed but not knowing {$95.00} will be added in every billing circle.
Product: Student loan

I applied for a private student loan through Sallie Mae. I checked out my credit score prior and I am even working with XXXX to make sure my credit is up to date and good. My credit score is good which is XXXX. They did not approve me for a private loan for my XXXX which would mean that I would eventually be making XXXX starting out after getting my degree. I am now making roughly XXXX. I think they discriminated against me because I am a single parent, minority and my age which is XXXX.
Product: Credit card

On XX/XX/year>, someone applied to several credit cards using my social security number. I contacted all 3 credit bureaus to freeze my accounts. And I tried making a list of all the credit card companies in which a card was fraudulently applied for under my name.

These are the companies that I contacted, and they all put a stop to the application process. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One ( a card was already issued and sent under my name to a different address. The company flagged the card but was not able to provide me with the address )
Product: Checking or savings account

Made a deposit with Suntrust account {$190000.00} XXXX never received a debit card from Suntrust,. How ever my card has been activated use to transfer funds in XXXX and XXXX XXXX account without my consent ... ..I was told by Suntrust Bank they had the rights to activate my card Because its a joint account however the card was sent in XXXX XXXX ... Legal Declaimer XXXX XXXX
Product: Credit reporting

Experian has told me that they have investigated an account to XXXX XXXX XXXX. After speaking to the original creditor, XXXX XXXX XXXX had the credit bureaus remove the false information from my credit report. Experian has refused to remove this information.