23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX Balance : {$20.00} ; DEPT OF ED/XXXX  XXXX Balance : {$670.00} ; DEPT OF ED/XXXX XXXX Balance : {$1900.00}.
Product: Vehicle loan or lease

i had a car loan with santander consumer usa. santander had a lawsuit filed againist them for violating consumers rights with high rates knowing consumer like myself couldnt afford. the company was in ligation and i would like this account removed because i fall in the guidelines of the lawsuit.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$8300.00} ; XXXX XXXX XXXX XXXX : {$94000.00} XXXX XXXX XXXX XXXX XXXX : {$46000.00} ; XXXX XXXX XXXX XXXX : {$94000.00} ; XXXX XX/XX/2023 ; XXXX XX/XX/2023.
Product: Vehicle loan or lease

In XX/XX/XXXX, I was excited to purchase a brand-new XXXX XXXX XXXX XXXX , and I made every effort to keep up with my payments, even going the extra mile by making multiple payments in some months. Unfortunately, life took an unexpected turn when I became XXXX, affecting my ability to work as I had before. To make matters worse, my insurance company stopped covering my XXXXXXXX XXXX, which amounted to nearly {$600.00} a monthalmost identical to my car payment of {$590.00}. 

Despite my best efforts to make partial payments during this challenging time, SANTANDER, the lender, decided to repossess my vehicle in XX/XX/XXXX after I fell behind by just a couple of months. The shock was overwhelming, as I only discovered the repossession a few days later when I stepped outside and found my vehicle was no longer there. Its been a difficult journey, and I wish the circumstances had been different. 

They did a UNLAWFUL REPOSSESSION : 1. BREACH OF PEACE : The repossession process trespass. the repo agent entered a restricted area, I lived in a gated community only opened by residents with their IDENTIFICATION ( Guards ) gate, and towed an occupied vehicle without consent. 
Deceptive practices : The lender made representations to the consumer about how payments would be applied, but then applied them differently. 

UNREASONABLE SOLD AMOUNT - ( DEFICIENCY BALANCE : ) THE CREDITOR WHO REPOSSESSED MY CAR SOLD IT FOR LESS THAN IT IS WORTH. After years of harassment that I obtained a debt consilidation, they agreed that if I pay {$2000.00} the loan is paid off. 
STATUS OF LIMITATION AFTER LOAN HAS EXPIRED : The statute of limitations for car repossessions in Florida is five years. This means that the car lender may not attempt to collect from you or file a suit against you after five years per the last date of activity on the car loan. The statute of limitations applies to all consumer debts with written agreements. 

Unfortunately, the dealership sold my vehicle without allowing me to retrieve an expensive nano camera that was installed in the car, which recorded footage both inside and outside. After the sale, thelnder SANTANDER CONSUMER USA repeatedly contacted me for payment, despite my explanations about my XXXX and financial struggles. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This situation has left me unable to obtain even a used vehicle with high mileage. The fact that my nearly new car was sold after just five months of use, and the Lender Santander is now demanding a significant payment, feels unjust. I believe that the amount they claim to have sold it for, {$15000.00}, does not reflect the vehicle 's true value, which I know would have been close to the amount owed according to the XXXX XXXX value. Additionally, I still owe {$10000.00}.
Product: Credit card or prepaid card

I had a company issued American Express Card with my former employer, XXXX. When I left employment in XX/XX/XXXX, pursuant to instructions I completed a final expense report in order and closed the American express account. Charges amounting to {$330.00} not incurred by me for a company rental vehicle were added to the account prior to American express closing the account. Despite notification to American Express on XX/XX/XXXX, and several notifications to my former employer I continue to receive bills from American Express. American Express acknowledges that the account is closed but continues to seek payment from me. I am not responsible for these charges and fearful of my credit being adversely affected. With the late penalties assessed by American Express the current balance now is {$420.00}.
Product: Debt collection

This account was open fraugurant. im a victem of identiy theft. ive asked multiple times to have this removed as i have no knowledge of this dept
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

CFPB WRITE UP In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

45.3K
Product: Checking or savings account

On XX/XX/2020 I opened a checking/savings account with First Citizens Bank through an offer I received stating that I could earn a {$300.00} bonus within 120 days for completing the following requirements : - Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening. 
- Enroll in eStatements. 
- Open new Savings Account I completed all of these requirements and did not receive the additional {$300.00} after 120 days. I contacted First Citizens through their online messaging system to inquire about the bonus on XX/XX/2020 to which I received a reply stating they would look into the issue. As of XX/XX/2020 no response had been given. I again tried to contact them on XX/XX/2020 and as of today they have not replied. 

It is my belief that First Citizens Bank is withholding the bonus which I rightfully earned and is ignoring my requests.
Product: Debt collection

I have contacted national credit systems, XXXX XXXX XXXX, which no longer exists, XXXX XXXX which is which is the entity claiming that that is a owed. I have been asking for specific dates of these alleged Money 's owed. I have spoken with XXXX who manages what what was once XXXXXXXX XXXX XXXX. XXXX stated that they have no records of my account as new ownership as well as new property management has taken over. I have left several messages for XXXX XXXX with no responses. I have requested that national credit agencyes reach out to whomever is making this claim however they refuse to do so. these items have been placed on my report and removed on several occasions each coming up with a different name and/or Place on my report useing multiple entitperiod I have been trying to remedy this since XXXX of XXXX items have been disputed by credit reporting agency and found to be untrue. Additionally, national Credit system hangs up on me after telling me that I'm wasting my time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Balance : {$380.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$270.00} ; XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$610.00} ; XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX : {$4500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Collecting {$150.00} extra every month since XX/XX/2023 towards home insurance, even though I have provided them a copy of new home insurance policy. So far they have collected {$1400.00} and by end of the year the amount would be {$1800.00}. 

The reason they provided was that it is being done since I missed to renew my home insurance and there's a lapse of one month. But they have not given me an answer on when they will stop collecting this amount.
Product: Checking or savings account

the company refuses to honor my fraud claims they refuse to give me my money back they are dead set on making me responsible for fraud charges. the XXXX branch has cussed me out and hung up on me. they refuse to resolve my complaint
Product: Credit card or prepaid card

XX/XX/2018 Both of credit cards were closed without any notice prior to doing so. I attempt several times in the past 3 days to explain the circumstances of a returned payment which was not done intentionally. i selected the wrong payment method after realizing. i contacted capital one immediately and they told me on the phone that everything will be ok. As long i posted payment on due date. i got a notification from XXXX. i feel disappointed that i had to realized from a third party that my accounts were closed. they didnt send me a email or letter. in good faith, i still paid off balance in full after account closed. captial one should understand that mistakes happen and if you cant give exception or second chance then you shouldn't be dealing with consumers. 

I am highly disappointed and I am awaiting to hear back from capitalone in the reconsideration reopening my account. i am in the process of buying a house and i cant allow capital one stop me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in original Equifax breach reported last year. Was unable to register online for credit protection they offered because link wouldnt work and I was never able to get through constantly busy phone. On XXXX.XXXX.18 I  received another letter from Equifax that I was part of second breach last month. Again link in letter for XXXX didnt work and I was just on hold for an hour and couldnt sign up. I know my ID is at risk and Equifax says I can protect it but their service doesnt appear to be real.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute for information on Equifax credit report that is inaccurate, to no avail! 
It still has not been removed, nor have they contacted me about it!
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the accounts, as I continue to dispute the presence of fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report regarding these fraudulent accounts. Following my submission, both XXXX and XXXX removed these accounts from their records. 

I have also directly contacted the banks associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 

It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Fedloan - In 2017 a began a XX/XX/XXXX program. I did not realize this would start a forbearance. I called fed loan in XXXX ofXX/XX/XXXX the day after the payment did not post and learned of the forbearance. I spoke to an employee who told me I could have the forbearance removed, and I should continue maling payments as they wouldstill count to my public service loan forgiveness. I immediately sent in the form and continued to make payments. 
I have been trying since then to have not only that payment, but the next 3 payments count towards my total payments. I requested a review in XXXX and was told it would be addressed in 90 days. Today when I had a chat conversation with a fed loan employee. XXXX, she told me it was a minimim of 90 days. I am within a year of meeting 120 payments, and I still can't get this resolved. 

Additionally in my numerous phone calls to fed loan I have been told I would definitely qualify for TEMPSLF by one employee, and that I absolutely would not by another. 
This has been an extremely frustrating process. 

Beyond that, when I first graduated and tried to enter the program XXXX XXXX told me I was in and there was nothing I needed to to. After a year of this, I spoke to someone who informed me that was incorrect and I needed to consoldate my loans. It took 6 months to consolidate my loans and get into a qualifying plan. So I lost a year and half of payments due to misinformation and mismanagement. The payments I was making were larger than income based payments.
Product: Debt collection

MY WIFE WAS CONTACTED ABOUT AN XXXX XXXX XXXX DEBT IN THE AMOUNT OF XXXX. AFTER VERIFYING ADDRESS AND I HAVE XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, REPRESENTATIVE XXXX FROM SUNRISE CREDIT XXXX, WENT ON TO LET HER KNOW THE CALL WAS BEING RECORDED AND INFORMED HER THAT THIS WAS AN ATTEMPT TO COLLECT A DEBT FOR XXXX XXXX XXXX. MY WIFE TOLD THEM THEY SHOULD NOT BE SPEAKING WITH HER ABOUT THIS AND ASKED WHY IS THIS BEING CHARGED AS IT IS CHARGES FOR SERVICES I DID NOT RECEIVE. I HAD OUR CELL PHONE SERVICE WITH XXXX AT THAT TIME. AFTER SHE ASKED THIS, XXXX DISCONNECTED THE CALL.
Product: Mortgage

Account Number : XXXX The account is closed and paid in full. It has been over 7 years since the account was open. Therefore, I am asking for you to remove this item immediately. 
My Bank of America mortgage account has 30-Day delinquencies for XXXX and XXXX. My original mortgage servicer was Country Wide and was bought out by Bank of America in XXXX. Due to the recent National Mortgage settlement, Bank of America was one of the lenders who were found guilty of extensive mortgage servicing misconduct and deceptive practices during the XXXX settlement. Therefore, my 30-Day delinquencies are a result of their misconduct. 
At this time, I ask that you remove the 30 day late payment immediately off of my account and credit report.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate. 

The disputed item is as follows : Account Name : [ XXXX XXXX XXXX  XXXX ] Date Listed : [ XXXX XXXX, XXXX ] Account Name : XXXX XXXX XXXX Date Listed : XXXX XXXX, XXXX Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information. 

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law. 

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made. 

Please respond to this dispute within the legally mandated XXXX investigation period. Failure to comply may result in further action to enforce my rights under the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN, I AM A VICTIM OF ID THEFT ; THOSE ACCOUNTS ARE NOT MINE. ( XXXX XXXX XXXX XXXX  FOR {$5300.00} OPENED XX/XX/XXXX ) ( XXXX XXXX FOR {$130.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$710.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$810.00} OPENED XX/XX/XXXX )
Product: Debt collection

my caller id identifies them as " PHONE CALL '' but number is XXXX, person on line identifies themselves as National something and then say is the " XXXX '' I say I am not them and please stop calling as this is a unlisted number and I am not the person they are trying to contact and I have reported their number 5 times before to the ftc.
Product: Debt collection

On a third party voice message system a collector from collection center in named XXXX left a voicemail for me and stated that he was a debt collector inferring that there was a debt in blatant violation of fdcpa laws
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft I did not authorize the inquiries listed below. I tried contacting Trans Union but they keep sending bogus letters back saying they are not removing and to contact the creditor. I contact the creditor and they tell me they can't talk to me because I didn't authorize them and to contact credit reporting companies. This is going back and forth when by law pursuant to section 605B of the Fair Credit Reporting Act Trans Union is required to remove them. That is why I am filing this complaint. 

The information listed below appears on my credit report, but I did not make or approve of these inquiries. This happened because of identity theft. Please BLOCK the information.

Thank You! 

Fraudulent Inquiries to be deleted XXXX XXXX XXXX Requested On : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX On : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Requested On : XXXX. XXXX, XXXX XXXX XXXX XXXX  - Requested On : XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent you that information.
Product: Debt collection

On XXXX my personal phone rang and I did not answer as it was not a number I recognized. Next thing I my work phone was ringing as I work from home I answered expecting it to be a work call and it was Cohen and Slamowitz calling. Under no circumstances did I ever provide or give them permission to be calling me at work. As my work number is strictly for work purposes only. I feel that it was harassing and unprofessional to even attempt to call my place of employment as no message was even left on my personal phone. I have also asked for payments plans and they said my payment amount wouldn't be good enough or if they did accept it I could only pay said dollar amount for a certain before they would force me to pay a higher amount m
Product: Checking or savings account

I wired money to CITY NATIONAL BANK. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX. My bank attempted to contact to re capture funds on two occasions and the bank simply did not respond. There customer XXXX  XXXX  or XXXX images is operating a fraudulent business and advised me to send {$3200.00} and no product would ever send the product paid for. I have reported XXXX XXXX to the XXXX XXXX XXXX and also the FTC. Their bank is who is at fault here.
Product: Student loan

First I would like to express my appreciation for confronting XXXX XXXX on behalf of service members about changing the interest rate to 6 %. I received a reimbursement check for almost {$10000.00}. 
After receiving my check, I found out I was eligible for the Public Service Loan Forgiveness ( PSLF ) program for military service but I would have to transfer my loan from XXXX to FedLoan Servicing. I submitted the paperwork and transferred my loan. When I called FedLoan about participating, they told me my income was too high for the PSLF and I was not eligible. Not only that, they raised my interest rate to 7.625 % because it was " disbursed '' after I was XXXX which is clearly not the case. The money was disbursed in the XX/XX/1990 when I was in college and not in the military. I feel now they ( 1 ) deceived me to transferring the loan to them, and ( 2 ) illegally increased my interest rate. Had I known I was not eligible and my interest rate would go up, I would have never transferred. Please help fix this like you did with XXXX XXXX. 

FedLoan Servicing XXXX. XXXX XXXX XXXX, PA XXXX Account # : XXXX
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Balance : {$1200.00} XX/XX/XXXX XXXX Balance : {$1000.00} XX/XX/XXXXXXXX Balance : {$0.00}XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX
Product: Mortgage

In XXXX of 2011 my mortgage company, Ocwen, modified my mortgage under the MHA-HAMP program. I believe this modification was unfair, deceptive and predatory. I only recently realized that the term of the modification was only for 47 months with a ballon payment of approx {$210000.00}!! Given my financial circumstances, it does n't take a genius to recognize the fact that I would never be able to make such a ballon payment. Therefore, I believe that the modification that Ocwen gave me in 2011 was nothing more than a deceptive and predatory ploy to collect partially on a debt. Ocwen also recently denied my new request for a MHA-HAMP modification saying that I had " too much equity in my home ''. Then Ocwen said that I was n't eligible for HAMP because the maturity date for the ballon had expired. Ocwen were the ones that put me in such jeapordy in the XXXX XXXX place
Product: Debt collection

Debt does not belong to me and after research I have found Credence Resource Management does not have License to collect in my state which is Florida