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

Santander Consumer USA had my car ( XXXX XXXX XXXX ) repossessed on XX/XX/XXXX. I contacted them and was told payoff was {$4200.00}. I sent the payment on XX/XX/XXXX. I waited until Monday XX/XX/XXXX to contact them again to see about picking my car up. I was told payment was recieved and that my car was released to me and given the info for XXXX XXXX XXXX XXXX. I contacted XXXX and was told they had my release and gave me the info to the lot that had the car, XXXX XXXX XXXX XXXX XXXX XXXX to pick up my car. I was able to finally get my car from them on XX/XX/XXXX. So I've now paid my car off and recieved it back. I've also recieved my title with a release from Santander with a statement stating my car is paid off. Today XX/XX/XXXX I recieved a call from Santander claiming I owe them money. No. I do not owe them. I paid them out and they gave my car back with title.
Product: Vehicle loan or lease

Paid final payment and Capital One sent email voicing payment was received and title would be transferred once payment cleared. XX/XX/2021 payment made for {$730.00}. Capitol one closed account and app. On XX/XX/XXXX, I noted an email stating I had a payment due. I returned to the app and noted that it was reopened and said I owed {$730.00} again. I called Capitol One, XX/XX/2021 and they said upon account review a system error was noted. The representative reassured me that the account payment would be reapplied and no additional charges or principle would accrue. XX/XX/2021 I noted the account still reflected my payment was " returned by COAF '' multiple times. I called Capital One and the rep voiced that the payment was returned multiple time due to " insufficient funds '' or " wrong account number '' I contacted my bank and was notified that the payment was not returned. I notified Capital One that the payment was not returned. I was asked to fax my bank statement, I requested email due to security issues with faxing. I was told I could not email. I requested documented proof that payment had not cleared and was told this would be emailed to me. I did not receive the email. I was notified the specialist, XXXX would return my call XX/XX/2021. I called Capital One on XX/XX/2021 to notify that my bank had reviewed the account and that my payment was not returned and that I had my bank statement to forward. I requested email again for security and was again denied the email address. I was told to fax and I asked to whom I should attention the fax to. I was told that there was no one to attention the fax to. I asked to be transferred to the specialist. The representative told me the specialist office was closed and that the transfers would not go through. I was notified that it would now take 3-5 days to review my account when prior I was given the time of 24 hours..

My complaint concerns : an Auto Loan
Product: Student loan

I was looking to consolidate my student loans and hoping to get some of my loans forgiven. A third party company, Premier Student Loans, reached out to me stating that they were going to handle my loans and that there would be a {$0.00} payment towards my loans for 10 years unless I want to make payments. After the 10 years, all of my student loans would be forgiven. The only catch is that I have to make 6 payments of $ XXXX/month so they can certify that my loan payment is {$0.00}. After that, it would be $ XXXX/month for the next 10 years, but that will not go for my loans, only in their pockets. What I later realized, was that my loans are serviced through XXXX XXXX, and this particular third party company is not affiliated with XXXX XXXX. XXXX XXXX did see my balance of {$0.00} towards my student loans, but did not see any other transactions taken out. I am in a grace period, and I am not required to make any payments at this time, so this company took over {$1100.00} of my money that is not even going towards my student loans. I am a XXXX and unless you have been XXXX for 5 years, loans can not be forgiven. I have only been XXXX for 3 years, so I was given misled information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this without any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 homeless n cant provide to my XXXXXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE Please help me block and delete these inquiries and accounts immediately!
Product: Mortgage

I got a home loan from XXXX, that later became chase, and now Select Portfolio Services in UT. Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Approx. 2 years ago, my loan went from 3.5 % to 4.125 %, I called up and spoke to a supervisor. I informed them that when I got this loan from XXXX, they told me the most it can go up in a year is .50 %, she told me no it can go up as much as .75 %. 
Now I get a notice showing it's going up 2 % to 7.125 %. I called and spoke with a supervisor, and they were no help at all. 
I informed them that their supervisor at Select Portfolio Services told me the most can increase in a year is .75 %. they didn't care to follow what they told me. 
I saw they have a department to complain, it's a been a week, no one is calling me back, or emailing me at all. 

This is illegal, and I want you to help me fix this, the payment is way to high, and they are taking advantage of probably more than me. 

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

XX/XX/XXXX I phoned Ally concerning a late payment that was reported on my XXXX Credit Report dated back on XX/XX/XXXX. I was a co-signer on a vehicle for my ex wife. It has now been XXXX XXXX and XXXX XXXX and I called Ally Financial to reference this negative mark on my credit ( it was on all three bureaus but was taken off of XXXX ) when I wrote to Ally Finanical but it was not removed from XXXX. During that phone call with Ally Financial I was told that they had no record of my Name or Social Security number for this. I asked if they had any info and they said they could not find any info. I asked then that it be removed. I was told I need the the Vehicle in question that was bought in XXXX by my ex wife who paid it off and does not have that vehicle or any information on it. My issue is they don't have any information regarding me and the negative mark that was put on my XXXX credit report. I have wrote and phoned Ally Financial. I have the account number and they ran it in there system and said it was incorrect but the account number shows up on my credit report. Can Ally be contacted to fix this issue.
Product: Debt collection

I had an account with TCF bank, the acct closed out and after closing I did owe them {$99.00}. There was a payment made to TCF bank, but now they are reporting to my credit report as a collection. I am in the process of purchasing a home and now this comes out of nowhere, I thought once I paid them I was completely done with this company ... This bank and their collection has caused my score to completely drop horribly even after they were paid their {$99.00} now they are asking for more ... I want this company to remove this acct from my credit report, its unfortunate that they do not keep accurate records.
Product: Debt collection

JPMCB INC After reviewing my credit report i have noted some discrepancy this is not my debt I should not be help liable this is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXXXXXX XXXX Account number : XXXX - IDENTITY THEFT 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 of 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

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX 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: Checking or savings account

On or about XX/XX/XXXX I filed an affidavit of fraud with Truist Bank ( copy attached ). The fraud involved a business check that was mailed to me on or about XX/XX/XXXX that I never received nor did I know it was being sent to me. I found out about it in the end of XX/XX/XXXX when I was notified about some income tax information from the company that issued the check. The check was payable to me in the amount of {$7500.00} and the back of the check was signed with someone else 's name. It was an obvious fraud since the name on the back of the check was different from my name, and cashed or deposited at what I believe to be XXXX XXXXXXXX XXXX. 

The company that issued the check notified Truist of the fraud on XX/XX/XXXX. Neither the company that issued the check nor I have received any response from Truist except they are still looking into the matter. i would appreciate if you could help me recover this money. Thank you.
Product: Mortgage

My Husband died in XXXX & soon after I contacted my Servicer for a Mortgage Assumption of the Mortgage since my name was not on the Mortgage at the time when my husband died, They constantly sent me documents for Mortgage Assistance I keep telling them I do not need any Mortgage assistance I need a Mortgage Assumption, Afte XXXX set of documents for Mortgage Assistance, They finally sent me the correct documents for a Mortgage Assumption I received the documents in XX/XX/XXXX & since XX/XX/XXXX I have submitted XXXX sets of documents for Mortgage Assumption, The last complete set I mailed was XX/XX/XXXX, in XX/XX/XXXX, I received a response that I need to submit yet another set of documents for the Mortgage Assumption, They constantly ask for more & more of the same documents & it being sent as requested then the same thing all over again & again
Product: Credit reporting or other personal consumer reports

Since XX/XX/year>, Equifax employees have unlawfully accessed my credit report without my consent or knowledge, leading to the initiation of fraudulent and frivolous disputes. I have provided confirmation numbers related to some of these unauthorized actions : XXXX, XXXX, XXXX, XXXX, and XXXX. These actions have caused significant hardship and financial loss, as the disputes started by Equifax employees were on accounts that were either non-existent on my profile or on authorized accounts that were closed in good standing. 

Equifax employees have unlawfully deleted the following accounts from my credit report : XXXX. XXXX  XXXX XXXX account ending in XXXX XXXX XXXX. XXXX account XXXX in XXXX XXXX XXXX. XXXX XXXX XXXX XXXX account ending in XXXX XXXX XXXX. XXXX XXXX mortgage account ending in XXXX XXXX I have never submitted any disputes regarding these accounts, all of which were closed in good standing. The deletion of these accounts has further damaged my credit profile and caused additional financial harm. 

I have reported this fraudulent activity and the ongoing behavior of Equifax employees to the XXXX XXXX Police Department, the FTC, the CFPB, the California State Attorney General, and the XXXX. Despite these reports, Equifax employees continue to commit fraud, initiating disputes and using information such as names and addresses of Equifax and the employees mentioned in the reports. These employees have also used these names to falsely claim that I disputed these names on my credit report. This fraudulent behavior has been ongoing for several months and has significantly impacted my financial stability. 

Despite multiple attempts to resolve these issues, the same employees continue to access my credit profile and manipulate accounts. This has led to the addition of fraudulent information, the initiation of baseless disputes, and the deletion of legitimate accounts that I have never disputed. The ongoing manipulations of my credit report have severely impacted my financial standing, making it difficult for me to maintain accurate credit information and leading to further complications in managing my financial obligations. 

Equifax 's unauthorized access and manipulation of my credit report are clear violations of the Fair Credit Reporting Act ( FCRA ), specifically Section 604, which requires that consumer reporting agencies must have a permissible purpose for accessing a consumer 's credit report. Additionally, these actions may also violate California state laws that protect consumers from unauthorized credit report access and the mishandling of disputes. 

Attached documents are letters from credit furniture XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX along with dispute letter to copies of identification, police reports, FTC identity XXXX theft reports
Product: Student loan

My federal loan servicer is Mohela. It frequently sends out inaccurate or misleading information. Today I received a letter dated XX/XX/year> from MOHELA regarding my student loans. This letter states that it is a loan update and that the loans listed in this letter are currently in forbearance. That is true my loans are unfortunately affected by the SAVE litigation and subsequent forbearance that does not qualify for public service loan forgiveness despite the fact that I continue to work for the government and am willing and able to make my payments otherwise ( which is another legal issue entirely ). The letter from MOHELA states that although no payments are due at this time interest continues to accrue on your loans during the forbearance period. You have the option to pay the interest during forbearance. This is inconsistent and inaccurate with what we have been previously told and received in documents and from Studaid.gov regarding the SAVE forbearance specifically that no interest will accrue. Communications like that receipt from MOHELA on XX/XX/year> are intentionally misleading and intended to induce borrowers to make payments for interest that is not due, which is a blatant violation of the fair debt collection act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XX/XX/XXXX XXXX Balance : {$1700.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00}
Product: Debt collection

- Name : XXXX XXXX - Date of Birth : XX/XX/XXXXXXXX  - Address : XXXX XXXX XXXX, XXXX, MI XXXX - Phone Number : XXXX - Email : XXXX Account Information Being Disputed : - Creditor Name : EASTERN ACCOUNT SYSTEM - Account Number : XXXX - Original Creditor : XXXX XXXX  Reason for Dispute : I have no knowledge of this account and did not authorize its creation. I believe this account was opened fraudulently. 

Supporting Information : 1. I noticed this account on my credit report and immediately recognized it as fraudulent.

2. This account has negatively impacted my credit score and needs to be removed promptly. 
3. Attached is proof of the account 's removal from my XXXX credit report as evidence that this account has already been identified as fraudulent. 
Balance details 0 % paid off Balance {$420.00} Balance updated XX/XX/XXXX Original balance {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In or about XX/XX/2021 XXXX XXXX XXXX opened a fraudulent account without my permission. Credit bureaus XXXX and XXXX were notified promptly, and immediately removed the fraud credit card & reporting from my account. However. Experian visibly removed it from the online reporting and on XX/XX/2021 I was informed by an Experian Representative that, a late payment from XXXX XXXX XXXX appears on my Credit Report as 60-90 days late. As a result of this malicious, retaliated actions of Experian, 2 of my credit accounts limits were decreased. Now as a result of Experians fraudulent actions I have to monitor my credit reporting daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have an account with aqua finance dating back to XX/XX/XXXX, when I moved into my new build home. I paid on this account monthly with no late payments at all. On XX/XX/XXXX my balance with aqua finance reported as {$0.00} balance and in good standing. I researched as to why this happen and came across the FTC settlement with aqua finance. My account wouldn't go to {$0.00} balance for no reason. When I spoke to a representative she stated she knew nothing about that settlement and that I still owed the amount. Aqua Finance then went back to my credit report and added the account balance that was {$0.00} balance for 2 months to {$5900.00}. I think this was a very unfair practice, and it is necessary for me to report this and the action aqua finance took. This action caused my credit score to drop around XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've had a few fraudulent accounts on my report since XXXX. At the time I was under the age of XXXX years old, basically a victim of identity theft. I 've been reporting these items on my report for the last year or two. My report contained an address I 've never resided they 've been reporting that address for 4+years. I 've been disputing the account since I turned XXXX. The two XXXX XXXX collection accounts do not belong to me, they were opened before I was of a legal age. The third account is a cellphone carrier XXXX, once again I was underage. So how are these accounts being opened when I was only XXXX years old??. Unless my info was being falsified. So now Equifax is keeping this account on my report even though it was fraudulent. XXXX  removed the account with little to no issue after I explained the situation. Someone falsified my information and used it to open these accounts. I 've been explaining to equifax but it still has n't been resolved. Im asking for contracts and or agreements bearing my signature to prove the validity of these two accounts, If there isnt these accounts should be removed. If not I 'm allowing my attorney to handle this, I 've already authorized my attorney to access my reports. I am not gon na keep allowing equifax to keep damaging my score by allowing 2 collection accounts to remain on my report that are a result of identity theft. I 've even received a statement from the Federal Reserve acknowledging there was indeed identity theft involved.
Product: Credit reporting

I disputed my inaccurate XXXX item with Experian. It was inaccurate because the high credit amount was different from the balance. Both have to be the same amount if the past due amount is XXXX, which it was. Anyone could look at the item and see it was inaccurate, without information from the furnisher. Experian made no effort to investigate. Please delete this item.
Product: Money transfer, virtual currency, or money service

I am writing to express my hopes for improved dispute resolution by XXXX, particularly in light of the recent CFPB lawsuit highlighting opportunities for growth. 
Despite using XXXX numerous times and reporting discrepancies, I envision a future where my financial institution and XXXX effectively investigate my claims. I am informed that recovering lost funds and tracking transactions are feasible and I look forward to XXXXXXXX XXXX improvements. The CFPB 's findings indicate that XXXX can not only protect consumers but also prevent repeat offenders from exploiting the system, empowering users to safely transact. This potential for accountability and transparency is inspiring and raises hopes for enhanced consumer safety.