23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a Conditional Acceptance Cease & Desist to Southwest Credit Systems, L.P. ( " SWC '' ) detailing their actions harming my consumer reports. I have never given SWC my permission to use my consumer reports as is required under 15 USC 1681b ( a ) ( 2 ) which states " In accordance with the written instructions of the consumer to whom it relates ''. I also requested proof of that written permission from the company in the event I made a mistake, the company failed to produce any documentation to show they have my written permission. On XX/XX/2022, a response was sent further providing proof that the company has no original contract, nor any proof of my written permission to use my consumer reports. This response from " XXXX XXXX '' in their compliance department that specifically states " we are not obligated to provide a signed agreement ''. This is a violative business practice when a company believes they do not need to have a contract to defame any individuals character. Federal law supersedes any " company policy '' and in the eyes of the court statutes are the mandatory authority. Additionally, this company did not communication with me prior to sharing my personal information with any non affiliated third party. 15 USC 6802 ( b ) states very clearly SWC is 100 % required to communicate with me prior to sharing any information with a nonaffiliated third party. SWC failed to communicate with me prior to doing so. Not only is this company defaming my character without consent, they are also reporting inaccurately between the credit reporting agencies and have not labeled the accounts as disputed which is a requirement under 15 USC 1681s-2 ( 2 ) & ( 3 ). They were notified via the CRA 's that the information was inaccurate and the response from the company was these accounts are " verified ''. Precedent has already been established by the The United States of Appeals, XXXX XXXX, No XXXX XXXX XXXX XXXX XXXX that the reporting company is 100 % responsible for how the information reports. Lastly, Congress as already stated in the FCRA that inaccurate information must be removed from a consumers credit report. All the essential elements are present for not only defamation of character but extreme negligence on behalf of SWC. Each of these violations are subject to penalties as described in 15 USC 1681n & 15 USC 1681o and as seen from previous cases of a similar nature, the Plaintiff has also been awarded punitive damages when companies have no permissible purpose.
Product: Credit card

I took out an application on a credit card at Home Depot in XXXX 2015 because I was offered a promotion of 0 % interest for 18 months if I purchased items totaling between $ XXXX. I purchased a lawn mower for {$1200.00}. The front page of the invitation says no interest if balance paid in full during this time period. I just got my statement for XXXX and I was charged {$190.00} in interest because the balance was n't " Paid in full within 6 months ''. This is the small print inside of the offer that does n't coincide with the large print on the offer. I have documentation of all this if needed. The card is issued through XXXX Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA, was having trouble with accounts reporting untrue statements towards hundreds of accounts and NOT notifying clients of their own mistake. In XXXX of XXXX, already a year ago, my account was deleted, without my knowledge and my payments have not been sent to the credit bureau after finalizing all the payments to the loan I have had for the last 6 years. Unfortunately, in the beginning of this year, XXXX, the car I now own doesn't run anymore. So I was hopeful to buy a new one, until the dealership notified me that my loan to Santander Consumer USA doesn't exist. 

Such hard work & after asking for their help, they couldn't even expedite the assistance I need at Santander. 

The loan is paid off in full, and in the last 3 months, Santander has not done one thing to fix my issue. Sadly, it domino effected my life, with no credit, I needed to move out with my son a month later. The landlord sold the property I lived in to new folks who illegally raised the rent up $ XXXX more. With no credit or bad credit, you can't rent out an apartment. 

Santander has left us very limited to find a home and to get a new car. This is just another attempt to see if they can fix this issue, an issue I believe hundreds of others have.
Product: Credit reporting

Experian is the company that verifies identity for XXXX. Every year I am denied and have to go through a series of other steps through XXXX to verify my identity. As of today for the 2017 coverage year, Experian has not verified my identity even thought I have sent them the info needed. They do not allow disputes like this on their website and no one has returned my calls in any of the last 3 years that i have had this issue. I have a very extensive and excellent credit profile but my family and I are being singled out for this process every year. Last Year, My daughter was without coverage for 2 months due to this delay. I sent in a copy of my drivers license as I have every year but no response.
Product: Debt collection

You, FIRST FEDERAL CREDIT CONTROL # XXXX, XXXX must be a Third-Party Debt Collector and I do not give you permission to interfere into My Commercial affairs. If you are assuming that you are representing Me, you are Hereby Fired and your Power of Attorney is Hereby Revoked. As proof of claim, complete the attached CREDITOR DISCLOSURE STATEMENT and return within 15 days. Failure to respond with the completed CREDITOR DISCLOSURE STATEMENT, thereby providing your verified Proof of Claim, signed under the Penalties of Perjury and verified by your affidavit, you, FIRST FEDERAL CREDIT CONTROL # XXXX, XXXX are agreeing to your Commercial Dishonor, exhausting My Administrative Remedies. I will accept your Silence as an Acceptance, and your agreement that a Default be entered against you. You will also agree to a Full Tacit Contractual Agreement being a participant in Fraud and to forfeit all remedies under Administrative Law, Judicial Law, and/or MARITIME CLAIM RULES C ( 6 ). You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. This is my notice to FIRST FEDERAL CREDIT CONTROL # XXXX, XXXX to Cease and Desist 15 USC 1692c 805. Communication in connection with debt collection. I have no paperwork or contract for business with FIRST FEDERAL CREDIT CONTROL # XXXX.
Product: Checking or savings account

I opened a US bank account with a checking promotion to receive {$500.00}. There were certain criteria, like setting up online banking, & qualifying deposits, plus account cant be negative balance for transfer to take place. Ive met all of these requirements, but have been overdrawn a few times. I wasnt aware that being overdrawn would void the promotion, and when opening my account I asked this question. I was told rest assured, that once the account is no longer in a negative balance, the promotion can then be applied. 

I called to check on this status XX/XX/XXXX, & was told a ticket was submitted to resolve this. I called back today, XX/XX/XXXX, & was told that I wasnt able to receive the promotion due to being overdrawn on XX/XX/XXXX. 


The terms on this promotion are not clear, & no where does it state that an overdrawn balance will void the offer, just the following : Your checking bonus ( " adjusted interest '' ) will be credited to your new checking account within 60 days of direct deposit verification and verification of enrollment in online banking or the U.S. Bank Mobile App as long as your account is open and has a positive balance. There have been many days where my account has a positive balance, after meeting the requirements of this promotion, and should not be penalized for this. 

I would also like to share that several family members and friends of mine whove opened an account with US bank for a promotion, have also been denied. Including my grandpas, and members of my church. All have filed formal complaints here, & theyre always denied.

US bank should not be allowed to openly advertise these promotions, & find any loophole they can, legal or not, to deny their customers this bonus. If you cant resolve this and apply it to my account, I sincerely hope you fine this bank and donate that money to a charity or organization that desperately needs it.

We the tax payers have bailed out the banks numerous times, & for them to continue to treat us this way is beyond immoral and sickening.

Thank you for any help you can provide, & not letting this happen to others.
Product: Mortgage

XXXX XXXX Mortgage bought our mortgage from it 's own subsidiary, BSI Financial Services, which was the original lender, in late XXXX or early XXXX. Since the " change '' of the mortgage ownership, we keep getting letters from XXXX XXXX Mortgage trying to a ) create an escrow account for our property insurance -- in early XXXX, and b ) telling us that they need information about our insurance to be updated. 
In the first instance, we contacted them and were told that it was clarified that we did not put the insurance in escrow since we pay it separately. They never sent us a confirmation-this was in XXXX. The number that I called was a collection number even though we have never been in default. 
In the next instance, I contacted their website at www.imcovered.com/commercehomemortgage, where they were trying to sell me an insurance policy. 
I am very concerned that XXXX is trying to force me to pay my insurance fees through them, or force me to buy insurance from them, with thinly veiled threats that I will be defaulting on my mortgage if I do n't comply. 
I have already spent over 10 hours trying to reach these people to ensure that my account is not jeopardized and my credit is not harmed. Everytime I call them I get a different person who then gives me a different phone number to call. 
I also find this link at XXXX where the list of allegations against BSI sound similar to my experiences with them.
Product: Credit reporting or other personal consumer reports

I was looking at my report and notice there were some thing that was not correct. I sent a letter to Credit Acceptance Corporation on XX/XX/year>. But it has been more than 35 days, Credit Acceptance Corporation still haven't responded to my letter. That a violation of 15 U.S. Code 1635 ( b ) Under 15 U.S. Code 1635 ( b ) when an obligor exercises his/her right to rescind under subsection ( a ), he/she is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. The procedures prescribed by this subsection shall apply except when otherwise ordered by a court.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 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 60 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 Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I've made complaints numerous times to XXXX, XXXX, Experian about placing inaccurate information on my credit report but yet I'm met with stall tactics. 15USC1681 ( 4 ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX is a consumer reporting agency. So why is XXXX reporting inaccurate information for profit and gain by putting this on my credit report. Which in fact my letter from the Federal Court House specially states that it does not and I repeat does not share any information with any ( CONSUMER REPORTING AGENCY ) so why is this inaccurate information is on my credit report? It's simple, it's about money! I exercise my right to privacy under the provision ( 15USC1681i ( 7 ) XXXX, XXXX, Experian are noncompliance ( 15USC1681n ) for Conspiring with rights ( 18USC242 ) under ( 15USC1681c ( b ) XXXX XXXX XXXX XXXX Experian acquired my personnel information without my consistent or written notice to do so. ( 604 ) ( 15USC1681b ) Permissible purpose. 15 U.S. Code 1681a this information was obtained through P.A.C.E.R! I understand this a public record to access information but this does not give XXXX, XXXX, Experian rights to place this on my credit report nor is their a FCRA that says Consumer reporting agency have rights to do so. All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ).

15 U.S. Code 1681i ( a ) ( B )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had numerous issues with Experian not reporting the correct information. Recently they have violated federal laws pertaining to reporting credit and handling disputes. I have a credit line of 5 digits that is not purposely being reported. This negatively effects my credit worthiness and wrongfully gives the facade of a lack of credit worthiness. This account does not show any status nor my payment history. All of which negatively effects my credit and appears to be racially motivated. A dispute was submitted and after the dispute my account was not fixed.
Product: Credit reporting

As of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX Bank told me over the phone that nothing was reported to Equifax yet Equifax lies and says they did. I want to know why the audio tapes have not been listened too by the CFPB, then Equifax would be caught in a lie. Bank XXXX account is fradulent, they have said there is an unknown name on the account and the account was charged off in XXXX with my wife 's maiden name, yet I have provided proof that my wife had an account and in XXXX, her XXXX XXXX XXXX account was changed to her married name with a new card issued. XXXX XXXX XXXX account is also fradulent as I have never had a XXXX, I have an XXXX I use and before that I made my own computer, but put that aside and you will see that this debt was discharged in a settlement due to illegal practices by a company they hired. I have also sent Equifax a copy of the settlement and was allowed too since this is a financial matter. XXXX Bank is a fradulent account as the only jewelry I have bought was with cash from XXXX and is insured by them. Equifax has never bothered to do an investigation as XXXX did and found all these accounts fradulent. Equifax has refused to show me verification of the information and that is because I am sure they have none, yet I have provided a lot of proof against this. Equifax also never formally rejected my affidavit and the law as defined by the FTC states that if they do not reject my affidavit within a certain amount of days then they must block all fradulent accounts on the affidavit in XXXX days, something I also sent to Equifax straight from the FTC. I also need to remind Equifax of the {$20000.00} they owe me for my time ( a commodity I sell ) and for missed sales revenue and them being the cause of not being able to build my trademarked computer systems, and that bill is a huge discount as XXXX hours a day, XXXX days a week I have been unable to work because Equifax refuses to follow the law. I expect this to be paid before the 30 days are up or a XXXX percent late charge will be applied as well as the more time they refuse to investigate, the more they are buying from me and I will not discount next months bill. I will also invoke my right to correctly report this information to DNB and will be paid or unpaid, and I will report this on all DNB numbers for Equifax Inc.
Product: Debt collection

XXXX XXXX XXXX  out of NY has contacted many of my family members, friends and even an ex ( who I haven't been with in 7 years ) SEVERAL times in the last 6 months. I have and others have told them to stop calling or harassing. I put my number on the do not call and then also have not sent me anything in the mail, ALL has been phone calls. There has to be some kind of relief against this type of harassment and embarrassment they have caused our family.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX i became a victim of identity theft. My credit reports had multiple entries for credit that i didn't make. Several of which were for Bankruptcies that im not responsible for. On or about XX/XX/XXXX i filed a police report for identity theft and a complaint with the federal trade commission. There after, i forwarded copies of my FTC Affidavit to all 3 credit reporting agencies XXXX, XXXX  and XXXX. XXXX  is still holding this fraudulent bankruptcy on my credit report. On or about XX/XX/XXXX i applied for credit with XXXX XXXX XXXX XXXX an i was denied because of the bankruptcy being held on my XXXX  report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/17 & XXXX/XXXX/17, I paid this account off, XXXX & XXXX is showing on my report that I owe but I don't
Product: Vehicle loan or lease

This is the most difficult company I have ever had to work with. Unfortunately due to an accident I had two accounts open with Honda. One for the car that was in an accident to be paid off by the other persons insurance, and another for a new car I purchased to replace the one in an accident. I was unaware that the accounts were not linked. I made a payment towards the new car purchase. The payment was applied towards the wrong account that was in process of an insurance claim. Therefore my new account went past the 30 days and now shows as late on my credit report. No contact was made to me regarding the account. No warning that I was late. I would have paid immediately. The old account was paid off my insurance, the payment that was submitted incorrectly was returned to me. I called to advise of the error and was told to send a letter with the details to the credit department and they would most likely reverse the late mark since it was an error. They would respond via letter within 30 days. So I wrote a very specific letter, including dates, account numbers, amounts, ect. I sent the letter overnight and certified. They did receive the letter and signed for it the next day XX/XX/XXXX. I received a generic response with a form of them asking for the account number and my information on XX/XX/XXXX. All information that was provided in my original letter. I obliged and responded with the information requested. I again sent the letter overnight and certified. It was again received by them on XX/XX/XXXX. I have yet to hear anything back. I called today XX/XX/XXXX and waited on hold for 30 minutes plus. I spoke with XXXX who advised they do not show that the second letter was received. I provided him the tracking information with details as to who signed for the letter. I am unable to speak with a supervisor for 24/48 hours. Unacceptable. I am unable to speak with the credit department and they are unresponsive to my letter. Unacceptable. I understand that this was a simple error. However it needs to be corrected. I have never made a late payment and my credit was well over an XXXX score. Its completely unprofessional to ignore and be unresponsive to a simple request.
Product: Money transfer, virtual currency, or money service

Zelle did not disclose warning about sending money. Danger occurred allowing vulnerabilities that wouldnt have happen if warning was disclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

A recording on XX/XX/XXXX, Citibank and Borrower, XXXX XXXX XXXX, created an equity line of credit for {$130000.00} on my property : XXXX XXXX XXXX XXXX, # XXXX in XXXX XXXX, California XXXX. Loan #  XXXX. 

My name is XXXX XXXX XXXX, the current owner of said-residence above. XXXX XXXX sold this property to me and it was transferred to me on XX/XX/XXXX. There were no records of the Line of Credit that XXXX XXXX and Citibank had created a month before she sold the house to me. There were no public records of the HELOC during escrow nor after. It was recorded by Citibank on XX/XX/XXXX. 

Unbeknownst to me, I have agreed to sell this property to Buyer : XXXX XXXX and it was scheduled to close tomorrow XX/XX/XXXX. However, we are blocked by this cloud on my condo and I tried to reach XXXX XXXX to no avail. Then, we have our Title Officer, XXXX XXXX faxed over the Deed of Trust to CitiBank XXXX XX/XX/XXXX/XX/XX/XXXX, as suggested by their customer service, yesterday. By policy Lenders would not talk to anyone of us but XXXX XXXX. The previous title company can not get involve due to the recording of the Deed of Trust. It was recorded 6 months after the Transfer Date. So far, we have not heard from Citibank. 

We now have a big problem on our hand. Buyer, XXXX XXXX, has made plan to move in after tomorrow. I need this cloud on my property to be remove, ponto! 

Can you please call Citibank XXXX, opt. XXXX ( when they ask for loan #, XXXX XXXX # XXXX # XXXX #. ) Please contact me, XXXX to let me know that you have received this complaint. Today, if not sooner! Email : XXXX. 

I will appreciate your prompt attention to this matter.
Product: Student loan

Due to the corona virus pandemic the government stopped student loan garnishments out of paycheck way back in XXXX until XX/XX/XXXX. As of XX/XX/XXXX they have not stopped taking money out of my check and they refuse to answer call in regards to this matter.