23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I signed a digital contract with Equitable Acceptance Corporation ( also known as XXXX XXXX XXXX XXXX ) to pay them a specified amount ( $ XXXX/ month ) for a total financed amount of {$1300.00} over the course of 3 years for services rendered by The Student Loan Relief Department for student loan debt reconsolidation. After calling multiple numbers provided for different departments for both The Student Loan Relief Department and Equitable Acceptance Corporation ( also known as XXXX XXXX XXXX XXXX ) since XX/XX/XXXX I have not been able to reach anyone. Student Loan Relief Department : XXXX XXXX, Enrollment Advisor, XXXX, XXXXXXXXXXXX Student Loan Relief Department : XXXX XXXX, XXXXXXXXXXXX XXXX XXXX XXXX Department : XXXX XXXX, Quality Assurance Manager, XXXX, XXXXXXXXXXXX Student Loan Relief Department : XXXX XXXX, Client Services, XXXX, XXXXXXXXXXXX Student Loan Relief Department : XXXX XXXX, Enrollment Account Specialist, ( XXXX ) XXXX, XXXXXXXXXXXX XXXX of the numbers that I was provided for The Student Loan Relief Department has since been changed to that of a department store. When I call the number on their website it will ring and then the call is ended. In XX/XX/XXXX I was alerted by my credit monitoring agency that my credit score had dropped a significant amount because I was not notified that my required repayment period had begun 90 days prior and I was never notified via telephone, e-mail or US mail, despite efforts to contact these companies prior to my credit score dropping. I contacted my original loan servicer, Fed Loan Servicing, at which time they notified me that Student Loan Relief Department changed all of my passwords and usernames for my profile. I did not give them permission to access, nor changed my account with my original loan servicer. I was finally able to get into contact with XXXX XXXX ( XXXX ) at Equitable Acceptance Corporation ( also known as XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. I requested that my account be cancelled because the promised services were not rendered ( student loan debt consolidation & public service loan forgiveness document preparation ). At this time I was told that a manager would contact me. On XX/XX/XXXX I called XXXX XXXX direct line and I have not been able to contact him since. To date, I have paid this company Equitable Acceptance Corporation ( also known as XXXX XXXX XXXX XXXX ) {$190.00} for services that they are not providing. I have since removed my bank account from their website so that they can not debit any money. I know that this will eventually end in my credit score being affected yet again because of missed payments.
Product: Student loan

I XXXX in XXXX with a stafford loan debt of {$38000.00}. The current balance is now {$70000.00} - insane. I consolidated my loan while still in school and never realized that I was doing so at a very high interest rate of 8.25 %. I 've tried numerous times to get them re-consolidated so I can get a lower interest but I 'm told that I can not do this. It 's unfair that I 'm penalized for the rest of my life for a mistake I made so long ago. I want to pay my loan off but find it impossible at this rate. They also convinced me to do forbearance and deferments and now I 've used all of them up. I am always strapped with cash because of this loan and it 's difficult to help my family out as well as pay for my expenses. My balance has doubled since I took the loans out. I need to lower my interest and get this balance down. My payments barely cover the principal. It all goes towards interest. Please help.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Inaccurate Reporting of Repossession Fee by Santander USA To Whom It May Concern, I am filing a formal complaint against Santander USA regarding inaccurate reporting of a {$410.00} repossession fee that is negatively affecting my credit. The circumstances are as follows : I took out an auto loan with Santander USA in XX/XX/XXXX. 
In XXXX of XXXX, my vehicle was repossessed. 
I paid off the entire principal balance of the loan of {$14000.00} which included all associated fees, including the {$410.00} repossession fee, before the 30-day period following the repossession, which led to the release of the vehicle title to me. 
After this payment, Santander USA at some point refunded the {$410.00} repossession fee due to an issue on their end. 
However, months later, Santander USA recharged the {$410.00} to my account without any notice, causing it to appear as an outstanding balance on my credit report. 

I was never properly informed of this chargeback, and the fee was initially refunded after my payment was made in full. This reporting is not only inaccurate but also unjust, as I fulfilled all financial obligations tied to the loan. Despite contacting Santander USA, they have failed to correct this issue, and it continues to harm my credit. 

I am seeking assistance from the CFPB to investigate this matter and ensure that Santander USA rectifies this error by removing the {$410.00} repossession fee from my credit report. 

I have attached all supporting documentation, including proof of loan payoff, documentation of the refund and subsequent charge, and any correspondence with Santander USA. 

Please let me know if you need any additional information to assist in this process. I appreciate your prompt attention to this complaint. 

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

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 However, they stated everything was complete and accurate, but how is this possible if the open date, date of last activity, and much more is incorrect? 

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting correctly. 15 USC 1681 section 602 A. States I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 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 the information is inaccurate I am requesting XXXX, XXXX, and Equifax remove this accounts from my credit report due to inaccuracies and falsely claiming this information is correct
Product: Credit card or prepaid card

I have credit card with Bank Of America. They closed my account because of late payments. I was responible customer, but acter my car accident I didn't was able to work almost one year. In that period of time I miss those late payments.
Product: Credit reporting or other personal consumer reports

I wrote a complaint on Truist/ SunTrust Bank and got a response back from the CFPB about the complaint regarding a fraudulent account that was opened under my name. Attached is the response from the person that is handling the case. I have not been able to reach this person. Attached is the affidavit that was sent, that was required to be sent back by XXXX XXXX. This is the response from the complaint. Company still working Status Company response is in progress as of XX/XX/year> The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE This case has been received and assigned to XXXX XXXX of XXXX Truist Executive Services for research and response. In the meantime, XXXX XXXX XXXX be reached at XXXX with any or additional information. 
Company responded Status Company responded on XX/XX/year> The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at ( XXXX ) XXXX about its response to this complaint.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Urgent Request for Credit Freeze To Whom It May Concern, I am formally requesting the immediate placement of a security freeze on my credit file with XXXX  XXXX. I initially submitted this request several months ago, and I have since provided all additional identification documents as requested. Despite my compliance, my credit file remains unfrozen, and I am concerned that further delays are unwarranted. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a timely and efficient response to this request. Please consider this letter a formal demand for the security freeze to be enacted without further delay.

I request confirmation of the credit freeze within ten ( 10 ) business days. Should you require any additional information to complete this request, please do not hesitate to contact me promptly. 

Thank you for your immediate attention to this matter. 

Sincerely,
Product: Mortgage

i am XXXX veteran. On limited income. i count every penny i closed on my home in XXXX XXXX after closing i filed my XXXX exemption for my home which lowered my monthly taxes by about XXXX +/- a month. The mortgage servicer ( berkshire bank ) over paid my property taxes by 2 and half times the amount due. in XX/XX/2020 they received the refund back from the county of {$2100.00} which was confirmed with XXXX who works for Berkshire bank.When we asked why these funds were not refunded back to me the buyer since there were not due and my mortgage payment adjusted XXXX stated they didn't have to they kept it in the escrow account. 

why does the mortgage company need to keep 2.5 times the amount due for taxes in escrow? 

currently there is over XXXX in my escrow account and the tax bill for all of 2020 is {$960.00}. the homeowners insurance was just paid in XXXX. they are not refunding back to me the excess in escrow as i should have a check for over XXXX on top of that my mortgage payment should be a maximum {$550.00} with the adjusted taxes and they refuse to lower it from XXXX. due to Berker shire bank refusing to refund my escrow account and lowering my mortgage payment to the appropriate amount. i have had to sell my car which the payment was only {$300.00} since the mortgage company overcharged me by over XXXX i just couldn't afford it I need help as i have perfect credit and need to live with in my budget please help me as they are stealing from me. i need my money as i barely have enough just to buy groceries. 
i live in XXXX XXXX XXXX district and have reached out numerous time with no response form her office either as i thought public official where there to help citizens in trouble.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have repeatedly reached out to the creditors and bureaus in regards to negative items that are reporting on my credit. I need this to be please be fixed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. My name is XXXX. And this is my third attempt to obtain my credit report from Trans Union to no avail. I have uploaded a screenshot of my last attempt. I am using the XXXX in hopes of obtaining my consumer report from Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Transunion LLC are consumer reporting agencies and I am the XXXX. 

Any and all consent to XXXX, Transunion, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of informationto credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission.
Product: Credit reporting or other personal consumer reports

The following CLOSED ACCOUNT on my credit report : XXXX XXXX reporting on XX/XX/year>XXXX  for the amount of {$12000.00}. Under the Fair Credit Reporting Act ( FCRA ), Section ( 15 U.S.C. ~1692g ) ( 15 U.S.C. ~ 1635 ), YOU ARE REPORTING THIS ACCOUNT AS CHARGED OFF YET YOU ALSO REPORT A MONTHLY PAYMENT? DELETE ACCOUNT IMMEDIATELY FOR INACCURATE REPORTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

It began when I submitted a request with XXXX for their free quotes on refinancing my XXXX XXXX. I read their terms and it states they would gather some information from me an sent it to several lenders. It also states that several soft inquires may occur by the lenders. Within minutes after completing the form for the fee quotes from XXXX I started to receive emails and phone calls from several lenders. 

Once I learned some of lenders offers I declined to continue with the process of getting a loan. Out all the these lenders with their offers, one lender, RATEGENIUS, somehow continued the process by completing a loan application. Then shortly afterward I receive an alert saying that RATEGENIUS had submitted a hard inquiry from XXXX. I ran XXXX XXXX and I learned that XXXX XXXX had done a hard pull on my XXXX credit report on XX/XX/2019. 

Today, around XXXX XXXX I called XX/XX/XXXX customer service and she connected me with the dispute team rep. The dispute rep I spoke to says there is not much I do about this hard pull even without my permission given to RateGenius. I have had several hard pulls in the past, but have never submitted a dispute. Today I decide to submit a dispute and the credit agency tells me I can't do anything but wait 2 years until it is remove from my credit reports. 

I just don't believe nothing can be done about these issues. So I am contacting your agency for assistance in this matter. Please help me in resolving this matter with Rate Genius Loan Services.
Product: Checking or savings account

I RECENTLY OPENED A CHECKING ACCOUNT WITH DISCOVER ON XX/XX/2019. I HAVE BEEN MAKING MINIMAL DONATIONS TO MANY CHARITIES. NOW HAVE, AFTER MY RESEARCH LEARNED 3 OF MY DONATION CHECKS NEVER MADE IT TO THEIR RESPECTIVE DESTINATIONS. I HAVE CONTACTED DISCOVER BANK, FEDERAL BUREAUS, CT DEPARTMENT OF BANKING, WHERE I WAS NOW YANKED TO YOU, THE CFPB. 

THERE WILL NOTBE ANY MORE DONATION CHECKS FROM ME GOING FORWARD UNTIL THE THIEVES, CRIMINALS HAVE BEEN ARRESTED, INCARCERATED. 

CONTACT ME IF YOU REQUIRE MORE INFORMATION USING EMAIL ADDRESS IN THE HEADER. THANK YOU.
Product: Credit card or prepaid card

Processed a balance transfer on my new XXXX XXXX credit card, transferring funds from a wells fargo credit card. Transfer has processed on XXXX XXXX but not on wells fargo. Both banks say its the other banks responsibility. XXXX XXXX provided transaction date, transaction amount, last 4 of acct number, and billing address it went to, Wells Fargo wont accept the information from me and say XXXX XXXX has to research. I have called XXXX XXXX 2 times and Wells Fargo 3 times on recorded lines. Calls took place on XX/XX/ between XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In reponse to my initial complaint against Automotive Credit under complaint # XXXX, Automotive Credit admits they no longer hold ownership of this account and they admit to selling the account to XXXX ( debt buyer ). However Automotive Credit is still inaccurately and illegally reporting a balance due on my credit report. I no longer owe Automotive credit any balance because the balance was sold and to be collected by XXXX ( current owner of sold account ). Since there is no obligation to pay Automotive credit and the obligation is now to pay XXXX, it is illegal according to the FCRA for Automotive to inaccurately report I owe any balance to them when the balance is actually owed to XXXX.
Product: Money transfer, virtual currency, or money service

XXXX the app Will not respond to customer service inquiries And will not allow me to use a debit card to fund my account.
Product: Debt collection

I have a collection with a company that I never had dealings with. Professional Debt Mediat is reporting falsely to all XXXX credit bureaus that I owe. This is not my debt and I am demanding that this is removed from all credit reporting agencies immediately. This has put me in a hardship and has caused me emotional stress due to the fact it's hindering me from getting approved for a home. I would like for this matter to be taken care of expeditiously so that I am able to move forward with the purchase of my home. I would like to receive a full step by step detailed documentation of this investigation. This is not the first time I have tried to take care of this matter I keep getting that this account is verified with no documentation on how or who verified this. I haven't received any paperwork with my signature to confirm that this debt belongs to me because there is none. I never signed any agreements with Professional Debt Mediat nor have I given them permission to access my information. I need for this to be removed immediately. They are also reporting every month that I haven't made a payment this has been going on since XX/XX/2019 and is a form of harassment and a violation of my rights. I have attached a couple of the reports.
Product: Credit reporting or other personal consumer reports

I still have not received my annual consumer report from Early Warning Services. I want Early Warning Services to send and mail me a complete copy of my Early Warning Consumer Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$0.00}, {$6600.00}, {$0.00}, {$9200.00}, {$9500.00}, {$130.00}, {$63.00}, {$520.00}, {$360.00}, {$2300.00}, {$7200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$63.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520.00} -This is not my account. 

10. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

12. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account.
Product: Debt collection

I obtained a loan thru Spot Loan for the amount of {$800.00} and was making regular payments to pay back until I loss my job. I was unable to pay back the remaining so in-turn they charged all the fees you can imagine to it and turned it over to a debt collection agency know as XXXX. I initiated a payment plan with them to settle my debt which was then well close to, if not over a {$1000.00}. I began a regular payment plan bi-weekly over several months paying it down to over half of what was owed. Then my bank sent me a new bank card with a chip and a payment did not go thru. So they contacted me and I gave them the new account info and re-established the payments again. However, when a payment did not go thru ( which was over a holiday ), they contacted me again. So I asked them to reschedule the payment again on a specific date which was the following XXXX. However, the agent ( XXXX ) became very rude and told me " we do n't want your money '', then hung up the phone. I was left with no other choice at that point. So since then, I have been receiving phone calls day and night at home and now, just today, at my place of employment. The lady ( XXXX ) told me she was calling to collect a debt and I told her Not to call me at my place of work again and she then told me " Well you are going to pay this back one way or the other so Good luck '' and hung up. I am overwhelmed with stress from all these calls demanding payment. No consumer should have to be treated this way. 

Sincerely -
Product: Credit reporting, credit repair services, or other personal consumer reports

i want to removed these accounts : 1. Identity Theft Chapter XXXX Bankruptcy XXXX XXXX : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.