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

I filed a complaint last week with the CFPB on Santander my car company for something that we found that they had placed in our credit history. In XX/XX/XXXX I advised them that I was going to be out until XX/XX/XXXX with XXXX  XXXX and would be catching up three payments one in  XX/XX/XXXX and two in XX/XX/XXXX they advised they did not have a problem with that as long as the payments were made. I called the two ladies on Friday morning at XXXX XXXX XXXX and XXXX and some man named XXXX or XXXX as he called himself advised that he had reviewed the account and the information would stand as he show it. That is not fair for Santander to go back and place that information in our credit when we have never lost the car we are still driving the car and we have continued to make the payments and we have been current on the payments the last three years. they have also jumped again and made a determination without giving us a chances. This does not need to stay on our credit history for 7 years. We have not declared anything and we have paid for this car.
Product: Credit card or prepaid card

I got laid over in XXXX Friday XXXX and I had to find a hotel. I could get reimbursed up to {$250.00} from airline so I looked for hotel close to airport and that price range. The XXXX came up and would cost @ {$50.00} out of pocket so I took it. When I was looking at hotels and choosing them for their price and I would go to pay they would all go up a few XXXX dollars like a scam or cliche. I was in rush and had to be back at airport in XXXX hours. When this one came up total {$290.00} I took it it was advertised around {$240.00} befor taxes and fees. When I got home I see they charged {$290.00} but also took my {$160.00} reward bonus!!! That is not what I chose. This is XXXX  a scam. I also used my XXXX credit card to pay so hard to dispute although I will be writing federal banking. I want my {$160.00} I was scammed out of. As you can see I did screenshot a different hotel I was going to get but when Id go to pay it would be at least {$400.00}! It says on add members save 10 % well their price is far less than 10 % showing the glitches you were having. When I wrote hotels they asked for proof, I didnt know I needed proof for my purchases with them Ive had them over XXXX years and a gold member
Product: Vehicle loan or lease

XX/XX/XXXX my car was repossessed for my financial institution by 2 unaffiliated third parties. I had no prior knowledge of these companies until I called to cure the defaulted balance. This company violated my privacy rights by not clearly and conspicuously informing me that my personal information would be disclosed to third parties at the signing of contract or before repossession 15 usc 6802 ( B ) 15 usc 6803. I never received any information on how to exercise my right to not have my personal info disclosed. At the signing of contract XX/XX/XXXX I did give my financial institution permission to access my gps for repossession, however I did not give them permission to share that information. My vehicle was not repossessed at the address my institution has on file. XX/XX/XXXX I called my financial institution and spoke with 3 representatives that informed me that my financial institution hired a third party that hired a third party to come repossess my car. XX/XX/XXXX I called to get the information from my institution on the company that physically had my car and the institution could not release that information to me until I verified who the company was first. The 4th representative did release my car to be redeemed after I explained to her all that was going on. XX/XX/XXXX was the day I had to redeem my vehicle before sold, my financial institution gave permission to the repossession company on XX/XX/XXXX to break into the car and remove my personal items. XX/XX/XXXX after redeeming car I notice all my personal items were not returned to me, including the screws to put tag on the back of car. I was charged {$75.00} + {$10.00} each day my car was held. My financial institution created a debt on my behalf, and forced me to do business with companies I was not comfortable with. My financial institution only wanted to collect the money I owed them, but in order to get info on car location and the company who has it I had to go through the company my FI hired. In order to get that info from the 3rd party I had to verify my personal information, which they had to already have in order to confirm what I provided was accurate. 18 usc 894 my financial institution along with participating 3rd parties conspired, punished, and stole from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX XXXX {$1300.00} XXXX XXXX {$1300.00} XXXX XXXX {$420.00} XXXX   XXXX COLLECTION  XXXX {$1900.00} COLLECTION   XXXX {$720.00}
Product: Student loan

I changed my account payments using my XXXX XXXX XXXX XXXX Account of XX/XX/XXXX to pay Firstmark Services. I received an email stating that the changes were made. On XX/XX/XXXX, I made a payment and was under the impression the account was credited. On XX/XX/XXXX stating my payment was returned, which can not be as I personally double check the information for accuracy. On top of that, they added the .25 % back to my account, without any communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian recently dropped my credit score by close to XXXX points, from XXXX to a little over 800. I contacted them and their response was : " We are not licensed credit advisors, so we can not attempt to explain exactly why your score changed. We would like to provide some information you may find helpful. '' They went on to list 5 things that can lower credit scores, like opening a new account, getting delinquencies, adding to credit limits, etc. I have had NONE of those, yet my score as compiled and reported by Experian dropped. When I contact them, they claim they can not explain why a score drops. 

What kind of insanity is this? People live by their credit scores and a sharp drove can strongly affect them, but the credit company can not explain why THEY reduced my credit score. Can you help me with this hypocrisy?
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2015, I XXXX XXXX entered Into a consumer credit transaction XXXX XXXX which became serving provider a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 is the sum of all charges in a consumer credit transaction, because I know the finance charge is the sum of all charges I was not expecting a bill, shortly after that I received a bill which is a violation of 15 usc 1692k, 15 usc 1692 b2 also the company failed to provide me with a right to rescind which is a violation of 15 usc 1635, also failed to provide me with option to opt out of all credit reporting 15 usc 6802, ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is By willfully doing this XXXX  XXXX has violated many laws according to truth and lending & fdcpa .Also all consumer credit transaction are not supposed be reported without my consent 15 usc 1681b permissible purpose company failed to provide me with opt notice which is a violation of Gramm-Leach-Bliley Act. I attached my license and will be mailing my invoice.

Bank can not lend money ....

In the federal courts, it is well established that a national bank has not power to lend its credit to another by becoming surety, indorser, or guarantor for him. Farmers and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, 11 F 2d 83, 271 U.S. 669.

A national bank has no power to lend its credit to any person or corporation. Bowen v. Needles Nat. Bank, 94 F 925, 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637.

A valid rescission of a credit sale contract does not render inoperative the disclosure requirements of the Truth in Lending Act, as creditors obligations to make specific disclosures arises prior to consummation of transaction. Truth in Lending Act Section 102 et seq., 15 U.S.C. Section 1601 et seq. ; Truth in Lending Regulations, Regulation Z, Sections 226.2 ( c ) 226.8 ( a ), 15 U.S.C., following section 1700. ONeil c^ 484 F.Supp. 18.
Product: Debt collection

I have already reached out with certified mail with tracking of the recipient to IQD You IQ DATA INTERNATIONALXXXX XXXXXXXX at XXXX XXXX XXXX BROKE NUMEROUS LAWS INCLUDING 15 USC 1681 ( b ) ( 2 ) permissible purposes of consumer reports section 2 states 'in accordance with written instructions of the consumer to whom it relates '' ... you are only allowed to furnish anything on my credit report if you have written my written consent. you furnished derogatory information on my file which has ruined my financial reputation.

furthermore you also are in violation of 15 USC 1692 ( g ) by not communicating to me of the alleged owed debt first. your first point of communication was on my consumer report as my proof shows you reported on my credit XX/XX/2022, Then you reached out to me on XX/XX/2022 A DAY LATER. that's against my individual right to privacy. ALSO this is false and misleading representations pursuant to 15 USC 1692e showing a positive balance of XXXX. I the consumer can not pay on a positive balance is this a balance you owe me? remit payment to me as you are required you have 30 days from this notices to respond. All docs were signed and ready for possible litigation I don't want to result to this but I have no choice but to protect myself as the consumer and natural person this has been an infringement upon my rights and has been a form defamation of character, negligent Enablement of identity if Fraud, FDCPA 15 USC 1692G, FDCPA 15 USC 1681 violations for willful non compliance 616. civil liability for willful noncompliance ( 15 USC 1681n )
Product: Money transfer, virtual currency, or money service

I have not been able to contact anyone regarding the locking of my account and funds. 


Created complaint on XXXX XXXX, 2018 XXXX PST. Still no reply after 4 days.
Product: Consumer Loan

On XXXX/XXXX/16 I applied for auto loan with Wells Fargo for {$8000.00}. We decided to apply for the loan since we have a current auto loan with them and have a perfect payment record with them for over 2 year. Plus we know that our credit score was about XXXX points higher then last time. 
I was disappointed to find that we declined very quickly. Well our credit is n't the best so we were n't too surprised. So we then went directly to a dealership to see if they could get us financed on XXXX/XXXX/16. 
The interesting part is the dealership was able to get us approved for about {$7600.00} car and by none other then Wells Fargo. The same bank that declined us just a few days prior. 
The reason I am issuing this complaint is just recently we ( my wife and I ) received a our declined letter from Wells Fargo. They list my credit score as XXXX and my wives as XXXX. I was shocked by the low score because I check my score regularly and through Transunion before was applied I was in the XXXX 's. I do n't know how they could say we 're more than XXXX points lower. 
I feel this effected us in XXXX ways : 1 ) It caused that we had less options of vehicles to choose from, 2 ) we did n't have a choice on the term, 3 ) and lastly, now we will have XXXX credit inquires for XXXX auto loan. My main concern is how they can have such a low credit score for us when we view XXXX the information is so much different. And then they can approve later. It just does n't make since and we feel that someone should be made aware of this and hopefully their will be an investigation so they do not do this to others.
Product: Credit reporting, credit repair services, or other personal consumer reports

it says according to my credit report that my balance has not been paid off., My balance has been paid off in XXXX for XXXX and is still showing. I am requesting the company to remove it immediately and show that my balance has been paid off.
Product: Debt collection

I have 4 collections from a debt collection company call XXXX XXXX That I don't recognize The original creditor was as stated in my credit report XXXX XXXX XXXX XXXX BUT I never been in no imaging office or any hospital therapy or nothing of the sort So is not accurate and it need to be removed and delete. 

XXXX XXXX {$68.00} XXXX XXXX {$66.00} XXXX XXXX {$66.00} XXXX XXXX {$110.00} None of this collections are mine and it need to be deleted.
Product: Money transfer, virtual currency, or money service

Paypal.com Offsite not on XXXX. 
XX/XX/20 {$71.00} Seller XXXX XXXX Never received item and wrong usps track delivered number ... not me.
Product: Checking or savings account

I cancelled my debit card and ordered a new one. I received a temporary card and was told by the branch professional that once I activated the permanent card, the temporary card would no longer be in use. Well ... ..I activated the permanent card and left the temp card on my desk at home. My cousin called me inquiring about how my daughter had money and told me the color of the card she was using which I immediately knew was the temp card. I immediately called BOA and disputed the charges. They would not file the claim UNTIL i filed a police report on my XXXX year old daughter! After contemplating with that decision, I filed the report with XXXX County and filed the complaint. The only info they requested from me was the police report number. Never heard anything until last week when I receive a letter stating the credit was being reversed! 3 months later! Are you serious? I called and spoke with a rep who said was reopening the claim. She never asked me to provide additional documentation and also stated the temp credit would NOT be removed. Well it HAS. I called today and got a totally different spill or run downas with any time I call BOA. They appear to always run from responsibility. There is little communication. I wasnt expected my claim to be denied, being that I had to file a police report against my daughter, let alone the credit to be reversed when I was told it was not! BOA claims department is the WORST! Unethical and unprofessional!
Product: Credit card or prepaid card

Received invitation in the mail to apply for the amex XXXX  card. Applied online where the terms mentioned you receive XXXX points after spending XXXX usd. I completed the spend, while meeting all terms and conditions but was told I will not be receiving the bonus points. I was told the offer was not attached to the account because I had closed an amex card before. The account I closed was after keeping for a year and wanting to switch to a business version of that card. 
That is not a valid reason according to the terms to deny a bonus, for a card that I applied for only for the bonus after I received personal mailer advertisements and online ones for the offer. I was not informed at any point that I will not be getting the points until I inquired myself after I got the card and spent the money based on their advertisement
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to request an update to my personal information as reported in my credit file. I recently obtained a copy of my credit report and discovered that some of my personal information is inaccurate or outdated. As per my rights under the FCRA, I request that you investigate this matter and make the necessary corrections within 30 days.

Below are the details of the incorrect or outdated information : 1. Incorrect Name : My legal name is XXXX XXXX XXXX, but my credit report incorrectly lists it as XXXX XXXX XXXX. Under the FCRA, inaccurate information must be corrected promptly. I request that my name be updated to reflect my legal identity. 
2. Outdated Address : My current residential address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, yet my credit report still lists outdated addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX 3. Since outdated addresses can lead to identity verification issues and potential fraud risks, I formally request that my current address be updated immediately. 
Supporting Documentation : I have enclosed the following supporting documents to verify the accuracy of my information : A copy of my drivers license or passport displaying my correct legal name. 
A recent utility bill or bank statement showing my current address. 
Legal Basis and Request for Confirmation : Under FCRA 15 U.S.C. 1681i, Experian is required to investigate and correct inaccurate information within 30 days of receiving this dispute. Therefore, I formally request written confirmation once the corrections have been made, along with an updated copy of my credit report reflecting these changes. 

If this matter is not resolved within the legally mandated timeframe, I reserve the right to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and take further legal action if necessary. 

Thank you for your prompt attention to this matter. I look forward to your written confirmation.
Product: Student loan

My phone and computer started acting wonky, then I noticed my bank account missing funds that didn't add up. I checked my student loan amount, and I should only owe XXXX, not XXXX ... so I sent an inquiry about the loan due dates in XXXX XXXX Mohela was one of the companies that was supposedly sending out wrong statements so payments would be deferred automatically. I started school XXXX XXXX  again, after a XXXX  year break, I did not end up taking these classes and instead took a XXXX  class but my loans say they were A ) paid on time, I never made a payment since XXXX, plus XXXX just ended so everyone had until XXXX to contact and update the student info and I was technically enrolled and had my loan offers already made, I am also not getting the full amount of my loans after disbursement and XXXX not sure where the wires get crossed between the school, and the business office and financial aid all have different amounts, but XX/XX/XXXX rolled around and they assured me I ; d receive the rest of my funding which was XXXX still owed.
Product: Debt collection

Dates on credit report are wrong. They do not provide a delinquency date which has re-aged the account. 
" Section 623 ( a ) ( 5 ) requires a creditor that reports a chargeoff to a CRA to notify the agency ( within 90 days of reporting the account ) of " the month and year of the commencement of the delinquency that immediately preceded '' the chargeoff. Section 605 ( a ) ( 4 ) provides that the credit bureau may report the chargeoff for seven years. Section 605 ( c ) ( 1 ) provides that seven year period begins 180 days from that date. '' There is no report last delinquency date. 
They have also changed the date of when the account was opened. I do not have an account with Portfolio Recovery and I did not open an account with them in 2014. 

They are in violation, creditors and debt collectors are responsible for reporting information to the bureaus that will them update the DLA.
Product: Debt collection

I received a notice informing me that I have a judgement against me for an account from 2001 I have done some research and discover that the statute of limitation to collect this debt has passed. 
The lawsuit was filed without my knowledge taking away my ability to respond to this complaint
Product: Credit reporting or other personal consumer reports

On XXXX XXXX  I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Student loan

We took out a private student loan for our daughter when she was in college. The amount of the loan was for {$30000.00} and it was procured through XXXX XXXX. We have been paying {$600.00} a month for ten years. My daughter has become XXXX XXXX so we have been paying the loan. Then Navient took over the loan and now the payback amount is over {$70000.00}. We called Navient and they said it was due to varying interest rate and penalties. We are now retired and need to lower our payments due to a decrease in income. They wo n't budge. As a matter of fact they informed us we can afford to pay the loan. When we asked how they came to that conclusion, she stated we have a credit card with a credit line of {$35000.00}. That card is for emergencies only! And why should that matter? We said we may have to declare bankruptcy due to the loan and the person at Navient said bankruptcy means nothing to them. They will keep going after us until we pay up. We have tried and tried and tried with no success to lower the loan payments. They are loan sharks and they are going to ruin us. We do n't know where to turn so any help is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Everything has to be 100 % accurate on my report The Credit Bureaus stated my account was properly investigated and verified. 
These INQUIRYS are fraudulently on my credit report. 
Please send me verification I authorized these : XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX This is ground for removal they violated my rights. 15 U.S.C.1681 section 604 A. 
Section 2 States a consumer reporting agency can not furnish an account without my written instructions. 
Also the Credit Bureaus took more 30 days to complete my investigations.