23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

On XXXX XXXX XXXX I purchased and XXXX Chevy impala from XXXX XXXX and my loan was purchased by Santander Consumer USA at XXXX a month which was paid every month on time until the loan was refinanced by XXXX XXXX XXXX XXXX On XXXX XXXX. On XXXX XXXX XXXX XXXX contacted Santander for the pay out of the car and they were told that it was XXXX this company accepted the check and the title was turned over to XXXX federal credit union on XXXX XXXX with the balance paid in full. So Santander only had this car loan for about 2 and a half months before it was refinanced. Now remind you that this car was paid out in XXXX XXXX in XXXX XXXX Santander started reporting to the credit bureaus as if they had the car and stating that I did not make my car payment. sating that the account was a charge off in the amount of XXXX and still reporting. I will be attaching you the proof of this pay out for the vehicle that was excepted by Santander Consumer USA. Please ask this company to furnish proof of accurate information pertaining to this loan. They report false information and inaccurate.
Product: Checking or savings account

I would like to Add in my previously submitted Complaint # XXXX, on XX/XX/23 that my Bank Chase Bank banker XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX bypassed twice & didnt follow Security procedure while performing wire transfer she never asked the recipient/fraudster who was standing next to me at Teller window about his drivers license I was little curios why I just noticed on my wire transfer reciept me the sender has all my information, But please take a look Reciepient street address City state zip is missing, Text to reciepient missing, Chase teller/Banker Was very negligent I have attached wire transfer both reciept please take a look.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have a fraudulent and unauthorized collection account and credit inquiries listed on my  XXXX   XXXX ,   XXXX   and Experian credit report. I been receiving death threats from   XXXX   XXXX   representatives. The following collection account is fraudulent :   XXXX   XXXX  ,  XXXX / XXXX / XXXX , Balance {$460.00}, the following credit inquiries are fraudulent and unauthorized :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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

I checked my personal credit report, which I acquired from your organization on XX/XX/2017 I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Thank you for your assistance in this matter, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am unable to log into my Transunion account to manage a credit freeze. Customer service has been unable to help me remove the lock on my account to login. I have spoken to them on numerous occasions and have sent in the requisite information multiple times. 
I emailed the documents ( Driver 's License & recent bank statement & SS card ) on XX/XX/2023 and on XX/XX/2023. I also mailed a letter dated XX/XX/2023 with copies of my Driver 's License and Social Security card to remove the minor suppression that is on my file. I have spoken to their customer service at least a half dozen times in this period.
Product: Student loan

I have been applying payments of {$50.00} per month. My balances all have different account numbers but when I requested to pay off the smaller balance of {$400.00} about 3 months ago they said the account was attached to another account with a larger balance of {$3000.00}. They said when I submit my payment it had to be distributed to both accounts and I can't pay off one before the other.
Product: Student loan

I co-applied for a {$5000.00} student loan based on the marketing solicitation I received stating adjustable rates starting at 3.99 % and fixed rates starting at 5.99 %. I was offered an adjustable rate at 6.39 % and a fixed rate at 7.74 %. When I asked how rate is determined there was no logical answer. Anytime I have applied for home, equity or auto loans I have received the best rates because of my high credit score.

Discover is unable to tell me how the rate is determined. Don't know how they can advertise a rate and not state what is required to get that rate. In mortgage, equity and auto lending a rate can be explained do to the score a borrower has. To me this is bate and switch. If I don't qualify for the best rate then tell me why.
Product: Mortgage

Mr. Cooper received information regarding new wind storm insurance policy. They have failed to pay and despite over a month of calls and emails, my insurance is about to lapse becasue they will not process the payment. They have provided me and my insurance agency false information that the check had been mailed already, only to then hang up on me when I requested tracking number. I finally got through to someone who refused to idetnify themselves by name who confirmed that the payment had not been sent out.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Rights is continue to be violated, This the correct info that should be showing on my credit report. 

Name : XXXX XXXX Date Of Birth : XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX United States any other address or names is not legal.

I'm citing the laws below, The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit card

I am a victim of fraud I was told that XXXX was a part of XXXX. My computer was infected. The company, XXXX XXXX, fixed my computer and told me I needed to buy another version of XXXX. They told me the service was good for a year. My computer is now dead. XXXX is in the process of suing the company and told me to get my credit card company involved. Citicard has refused to help me in refunding the? XXXX that was billed.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

XXXX filed charge-back dispute against the merchant XXXX XXXX XXXX XXXX XXXX , with card issuer Capital One ( dispute # XXXX ) in the amount of {$4000.00}. ( Appears as XXXX on credit statements and correspondence ) XXXX Card issuer applied temporary credit of above amount. 
XXXX XXXX weeks later temporary credit disappeared from my account, disputes average XXXX  days to complete. 
XXXX capital one statement states available credit {$3300.00} from {$4000.00} temporary credit. Reported to credit bureaus as payment toward any previous balance on account. Resulting in credit score to increase.

Previous balance on account {$2100.00}. 
XXXX statement Available credit- {$0.00} New balance {$10000.00}. 
There is no information about the {$3300.00} that disappeared. 
XX/XX/2023 statement reflects temporary credit being reapplied to account as a purchase. 
Card issuer reports to credit bureaus Resulting in credit score decreases, credit utilization skyrockets and credit scores plummet. False information being reported to credit bureaus. Devastating financial ruin. In XXXX  days, card issuer created a debt that did not exist before. 
XXXX called capital one ( card issuer ) call center representative informed me merchant was never contacted or investigation was never started. Claims of time limit of dispute bring past. 
Card issuer has closed account. I am still receiving letters informing me of temporary credits being applied then letters informing me to disregard last letter. 
XXXX letter ( attached ) from card issuer states charge-back dispute # XXXX is incorrect. This is another dispute filed against different merchant XX/XX/2023. 

I filed dispute in question # XXXX on XX/XX/2023 merchant XXXX XXXX XXXX
Product: Mortgage

1.Home Point Financial continues with their deceptive acts and practices. I was given an offer for trial payments which I accepted within the time frame. A few days later, offer was taken back ( page 1 & 2 ). The deceptive acts continues as my kids continue to suffer. 

2. Home Point Financial have violated the Fair Debt Collection Practices Law as well as the Bankruptcy Laws. 

I filed for bankruptcy on XX/XX/XXXX ( page 3 ). Home Point is well aware of that ( page 4 ). Home point Financial is a debt collector ( page 5 ). I understand that Home Point Financial has the right to take a payment from me but they have no right to ask or harass me for a payment under the Fair Debt Collection Practices Law and the Bankruptcy Laws. Please see page 6, letter from Home Point dated XX/XX/XXXX that reads as follows : ''please send certified fund totaling {$2800.00} to Home Point .... .NSF fee ... .credit report. '' The goal of Home Point Financial remain obvious ; I loose my home and they make a nice profit. No one will rent me a place to stay with my kids, therefore, after the auction sale of my home, I will find a shelter to stay with my kids as I continue to search for justice in the court of law. Home Point have not addressed any of my previous concerns. When I have my day in court, Home Point Financial will finally be held accountable for all the laws they have broken.
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities claim. 

Repeated requests to provide methods of accuracy & verification used by Equifax pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date
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. XXXX XXXX  ; # XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX of last year I complained to the three reporting agencies [ XXXX XXXX, Equifax and XXXX ] that for a prolonged time they reported my balance on my XXXX  XXXX credit card as too high and therefore harming my credit score. After initiating a dispute they deleted the card from my file. Not at all what I wanted, I simply wanted accurate balances to be shown. XXXX XXXX and eventually XXXX  corrected the error and since XX/XX/XXXXhave been reporting the correct info. Equifax does not and continues despite repeated attempts still shows no credit card info. They deny the existence of my card. I have sent them copies of several months statements as well as a payment history for the past year to no avail. When the balance dispute began XX/XX/XXXX my score with them was around XXXX. It still is with XXXX XXXX but my Equifax score continues to decrease since according to them I have no card. XXXX XXXX has also helped to solve this incompetence and assures me they report to Equifax monthly as required. They at one time even gave me the dates they had reported but Equifax continues to unfairly besmirch my credit. This is now a real problem as I am trying to purchase a home and will be penalized heavily for their incompetence.
Product: Credit card or prepaid card

I bought a television and some equipment at Best Buy. They offer 24 month, no interest financing on a Citibank sponsored credit card. 

No where on the statement does it show the minimum payment needed to avoid finance charges. However, the statement shows a payment of {$2.00} less per month than the minimum payment avoid finance charges. 

If I were to pay {$2.00} less than the minimum for 24 months, it would trigger {$1600.00} of interest. In other words, an extra {$2.00} paid per month over 24 months, which is {$48.00}, saves {$1600.00} of charges. 

I don't know if this is a Best Buy practice, a Citi Group practice, or both, but it prays on the financially unsophisticated. I spent about 30 minutes on the phone with them to clarify what was a very deceptive statement. 

It should be mandatory to disclose the minimum payment necessary to fulfill the terms that were offered.
Product: Credit reporting or other personal consumer reports

There are unauthorized accounts and inquiries on my credit report that was opened fraudulently. Please help me get this removed and fixed Unauthorized accounts XXXX XXXX XXXX XXXX {$3400.00} ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  {$19000.00} ( XXXX XXXX XXXX XXXX XXXX {$22000.00} ( XXXXXX/XX/XXXX ) DEPT OF ED {$4700.00} ( XXXX  ) Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

Portfolio Recovery Associates , LLC kept calling me under fake numbers. I would ask who they are and why they were calling, but they wouldnt disclose any information about their company. They wanted me to confirm personal information before telling me who they were. They were rude and disrespectful when I asked why they used fake numbers. I had to confirm with the credit card company this was a legitimate debt that I owed. I have never had such an issue with a credit management company.
Product: Credit card

My credit card payment of {$250.00} via XXXX from XXXX to XXXX/Barclay Bank on XX/XX/2016 was " lost '' during transition from XXXX to Barclay after the account was bought by Barclay. Over the past XXXX ( yes, XXXX ) MONTHS I have called Barclay, XXXX, and XXXX no less than XXXX times, verified the XXXX XXXX times to Barclay via XXXX XXXX see attached ), spoken to XXXX managers at Barclay who each assured me it would be fixed, conducted XXXX conference calls between XXXX, Barclay, and myself, and spent countless hours on the phone and on hold with Barclay with no correction thus far. Over this time period, I have been charged late fees and additional interest fees several times. This error has also negatively impacted by credit scores. XXXX has done everything asked of them to verify this payment. Barclay bank has wasted countless hours of my time, overcharged me late fees and interest, negatively impacted by credit scores, and has yet to credit me the thrice verified payment. Barclay bank 's customer service department is unprofessional, unethical, and generally worthless at the managerial level. I am currently a XXXX XXXX XXXX submitting this form and now trying to correct this issue from XXXX.
Product: Vehicle loan or lease

Electronics lien has not been released. I just received prior correspondence from the complaint filed for this same reason on XX/XX/XXXX advising I contact XXXX  and I have already. They have advised me the lien release request has to come from Ally and the paid letter and title they sent me will not be sufficient to have an electronic lien release. They advised in their correspondence they requested a paper lien in XX/XX/XXXX and requested the electronic lien be released but it was not. I have pulled up the XXXX on the XXXX website and the lien is still showing and the title is still untransferable. How can I sale the car without a clear title. The paper title means nothing to with the electronic lien still in place
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of buying a new home upon the underwriting team pulling my credit a fraud alert popped with no telephone number. I called every bureau to identify if I had a fraud alert with them. In calling Experian there was no way to talk to a human being. The automated system asked if I needed help with a fraud alert I said yes. It continued to confirm my information which by the way was minimal compared to the other bureaus. Once I spoke my information into the automated system it then said you have placed a fraud alert with all the bureaus. I did not want to do that I thought I was providing prescreening details to speak to an agent. The automated system did not ask to confirm if I was my intention to place a fraud alert it just moved forward. Now I have submit in writing to remove it the others bureaus allow telephones to be updated, fraud alerts removed with an agent. This is completely unfair especially since adding an alert can be done with basic personal information. In addition I pay for a membership with Experian there is no way to talk to a human or cancel services it transferred me to dead silences. This is a nightmare as I trying to buy my dream home.
Product: Credit card or prepaid card

For 10+ years my XXXX XXXX came out of KeyBank CC. The XXXX account is 2nd of the month to the 2nd so when I originally started I would have been charged/set up on the 2nd. CC statement is 13th of the month, so I would have received my CC bill with the new charge on THAT month 's statement. Let 's just say for a moment the first bill did NOT hit in time, they would have received the 2nd bill from XXXX before my next due date with Key and I would have paid double to catch up. I have always paid on time. XX/XX/2023 I cancelled my XXXX account. The last bill that XXXX shows they sent Key was XX/XX/XXXX and on-line it shows XXXX balance, Key paid on the 12th and I paid Key, and they reflect that on the 28th. I get a bill from Key in XXXX for my normal payment. If XXXX didn't send them a bill, what am I reimbursing?? I asked Key to send me PROOF that they received a bill and if I'm wrong I will pay., They keep telling me I am paying for previous month which makes NO sense as XXXX bills in advance. I could be 100 % wrong about owing and if I am I have no problems paying, I just want proof and do not trust big banks to be honest at all. Once a Company ( and they have with me ) or person has lied, when can you believe they are truthful. So that I have no glitches on my credit I did pay bill but if in fact I am right and they are wrong, how much money are they making illegitimately on 10 's of thousand of people doing what I did? Unfortunately I'm using common sense that says if they received no bill, I should not receive one either
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX