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

An auto loan was sought out by XXXX XXXX XXXX XXXX XXXX for a company car. 

During this process it was made unclear, XXXX XXXX was being added to the loan as a person guarantee. 

Communications during the loan process did not lend to the fact an individual would be tied to the company loan. This was inaccurate and misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 addresses that were never mine reporting to my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX  my identity was stolen, I had numerous amounts of checks being wrongfully wrote in my name, Accounts being opened at banks that I owe thousands of dollars for as in XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX {$2400.00} credit card opened in my name XXXX  opened in my name in the amount of XXXX XXXX was opened in the amount of {$400.00} and also XXXX XXXX XXXX  also the debt collection name for this company that has it is XXXX XXXX XXXX for {$990.00} I have filed three police reports and have sent them in numerous times I notice a new inquiry or account opened in my name and they still have not been taken down after correct documentation has been sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between EQUIFAX XXXX XXXX XXXX XXXX shows on the inquires over 15 times. Ive not used their services in over a year. There has been data breaches on my emails names, synthetic fraud, mail fraud, address fraud, wrong phone numbers and addresses on these account. The last time I used your service I disputed the XXXX XXXX and savings account linked to your services and never heard back from your company. There are vehicles listed Ive never owned. Ive asked your company since 2017 to remove false addresses phone numbers middle name, fraudulent debt, the saving account and XXXX XXXX acct I didnt authorize to begin with. The questions your company asked to even close it out was wrong because it doesnt pertain to me and my identity. Again please remove all addresses phone numbers emails vehicles savings Accts debit cards XXXX XXXX  accts linked debt the fraudulently reported and all these inquiries I didnt consent too. Attach is some proof Im having trouble getting into XXXX now
Product: Credit card

I discovered on the weekend of XXXX that a Merchant who I had known for XXXX years and had done business in the past, had scammed me and a few other people for the same high end Rolex watches which ended up not existing. 

I made the complaint to XXXX, local police department, and to Chase Bank. When I explained the situation to Chase, there was a language barrier with the Chase Representative. I mentioned how I had just been a victim of a scam, where the merchant is committing fraud by deceiving unknowing customers into paying for watches that do not exist. She proceeded to open up a fraud investigation. I never denied authorizing payments from my credit card. At the conclusion of the investigation, I was told it was not fraud, due to bank terms what happened to me was a dispute and not fraud. I file a dispute claim XXXX weeks later when the fraud investigation concluded. After uploading all of my evidence including text messages and photos, the bank is still holding me responsible due to them going through a fraud investigation first, meanwhile I never asked for a fraud investigation, I was given a fraud case opening after speaking with the people at Chase. 

The payments were : XXXX XXXX for {$14000.00} on XX/XX/year> XXXX XXXX for {$7400.00} on XX/XX/year>
Product: Debt collection

The following accounts are unverified and unauthorized accounts. I have no knowledge of the following : XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX  XX/XX/2021. According to the FCRA, these unverified and unauthorized items must be removed.
Product: Mortgage

HI.I just discovered that my balance, after 14 months of payment is incorrect. 
I borow {$180000.00} as mortgage.My monthly principal is $ XXXX 14 months this is total $ XXXXDownpayment was 3.5 % =total $ XXXXIf you add $ XXXX $ XXXX= total {$10000.00}. 
If you subtract {$10000.00} from loan amount this is {$170000.00}, this should be my outstanding balance on XXXX.But my balance on XX/XX/2019 is $ XXXXThis is difference by {$4000.00}. 
I would like to ask LakeView loan servicing company, what happen to my {$4000.00} in difference. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX, acct # XXXX, XXXX XXXX, acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions or signature. 

Also I filed 3 affidavits with the FTC and the reference numbers is as follows : XXXX XXXX XXXX
Product: Bank account or service

Chase bank has been charging me ridicioulous fees when I had money in my account but the real reason I 'm filing this complaint is because of bank closing my account and therefore rejecting my federal income taxes. I 'm a single of XXXX who has bills scheduled to withdraw from my account on Monday. My sons birthday party is Sunday and I now have no money to pay for any of that. I 'm being told that it will be an additional 5 weeks to receive a paper check. 5 weeks that I dont have! Because my bank lied to me when I called monay XXXX/XXXX/2017 to verify my account was open and that they can NOT close my account without my permission ( me calling back in to cancel it ). I was told that since I have money in there and pending transactions, my account can not be closed. That my account was not in closing status! Yet now on Friday XXXX/XXXX/2017 I call back to see where my refund money is ( due XXXX/XXXX/2017 ) and they tell me my account was closed and the money was rejected. 
This is fraud, bad consumer practice, and poor customer service. 
Chase feels since they are big bank they can charge and do anything they want and I 'm not standing for it. 
I work hard for my money. To support my children. Provide food, shelter and to pay my bills on time. 
Chase has put undue hardship on myself and my family by lying and doing things without my permission.
Product: Credit card

XX/XX/year> received letter noting past due balance on card I believed had auto pay set up and no current balance. Could not login to app when attempted. Called. Was told account had been closed for inactivity as of that same day and letter was being mailed ( no other notice re : inactivity, etc. confirmed by initial call agent ). Asked what the outstanding charge was if the account was inactive and was told it was annual fee and interest. Agent could not explain further. Was transferred to collections and he could not answer questions. Attempted to transfer to escalations, but they were closed. Took callback information, but I have not received a callback. How can they legally charge an annual fee and then close the account, seriously expecting me to pay it, and say there was no activity?
Product: Checking or savings account

They close my account and They were supposed to send me my money by XX/XX/23 which it was their 3 month holding period when they close an Account Ive try contacting them and is almost impossible
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. ( i never gave XXXX XXXX permission to furnish an auto account on my consumer report. ) 15 U.S.C 1666B : A creditor may not treat a payment on a open end consumer credit plan as late for any purpose. ( XXXX XXXX has reported several late payments on my XXXX and Equifax consumer report, under an open end consumer credit plan. )
Product: Credit card

I signed up for the American Express card and XXXX bonus miles if I spent {$1000.00} in XXXX days. I saw there was an offer to get XXXX miles if i spent {$2000.00}. Initially they said i could not do this, XXXX call on XXXX XXXX. I called back at XXXX, same day to reconfirm this, and i was told " IF I SPENT THE {$2000.00}, i would AUTOMATICALLY RECEIVE THE XXXX BONUS MILES ''. So, this is a VERBAL CONTRACT WITH AMERICAN EXPRESS!!! I immediately spent the {$2000.00} and after a few weeks noticed, the mileage promised never updated. So i called an argued several times and it was then told to me, by several employees of AMEX, it has been decided in your favor and you will recieve the miles in XXXX weeks. After XXXX weeks I checked back only to learn that the matter was CLOSED and i would NOT BE RECIEVING THE MILES THAT WERE VERABALLY PROMISED VIA PHONE CONVERSATION XXXX XXXX!!! The converation on the XXXX was a contract thatbinvolved me SPENDING {$2000.00}!!!!!!!!!! To get the XXXX additional miles. And Aamerican express has decided to 1. Not honor the deal and 2. To not give the XXXX miles after i was told it had already been awarded and eecided in MY FAVOR!!! I expect vetter from a card that carries AMERICAN in their name. Shame on them for lying and lying and lying and then not following thru with the verbal contract that they have XXXX FILE AND RECORDED. I FEEL THEY SHOULD suffer PUNITIVE DAMAGES for making a customer spend {$2000.00} and then renig on their VERBAL CONTRACT MADE ON XXXX XXXX. The value of those miles is {$560.00} if i had to purchase them from XXXX. Not to mention i spent {$2000.00} that i really didnt have to soend at that time thinking AMEX was going to do the right thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This investigation process has gone longer than 30days and is causing a great deal of financial distress for my family and I.
Product: Credit reporting or other personal consumer reports

I noticed on my credit report that Mohela is reporting that I ow double of what I actually owe ( and is listed in my Mohela account ). I opened a dispute with XXXX and uploaded a screenshot of my account with a balance. XXXX sent me a message saying the dispute was completed and closed, however, nothing changed except a small update to each individual loan. The total balances are still listed as double. 

I messaged Mohela 's credit reporting agency with my credit report showing the doubled amount and asked them to please investigate why they are reporting I owe {$42000.00} when, clearly, my loan amounts only equal {$20000.00} ( as of this writing ). 

I have not head back from Mohela. 

This is severely affecting my credit score and is false reporting on Mohela 's part as well as XXXX did nothing to remedy the dispute that was opened.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to inform you that I have been a victim of identity theft. After conducting research on how to remove the fraudulent items from my credit report, I discovered that I need to file a report with the Federal Trade Commission, which can be done at www.ftc.gov. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to remove any items listed in an identity theft report. 
Enclosed are the necessary documents to assist in the removal of the erroneous information currently appearing on my report. Below is a list of items that do not belong to me or were opened without my authorization As stipulated in FCRA Section 605B ( a ), credit reporting agencies are required to remove any information identified by the consumer as resulting from identity theft within four business days of receipt of this request. 
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: Student loan

I am the co- signer on my Daugters Loans, My daughter is struggling to make regular payments, so she 's doing forebearance, But its XX/XX/XXXX, and i recieved 10 15 phones calls a day fr0m different area codes telling me I am past due this start last week her account is {$11.00} past due. Is their any way to remove me as co signer or get the phones to stop.
Product: Vehicle loan or lease

We purchased a car on XX/XX/XXXX from Santander Consumer, USA. It was a 2006 XXXX. 

In XX/XX/XXXX we voluntarily had the car repossessed due to job loss/income loss. 

After the repossession we never received anything from Santander indicating we owed on the car. It was not until XX/XX/XXXX that we received our first notification that we allegedly owed a balance of {$9000.00}. 

We then requested the following information to three different collection agencies ( the account was sold on several occasions ) and cc 'd Santander Consumer USA. None of the following information was ever received : The original contract from Santander The agreement giving them a security interest in the car The agreement giving them the right to sue for a deficiency after the took the car Proof of assignment of the debt Proof that our rights to redeem the car was sent and when we could have done that Proof of our right to reinstate the loan and when we could have done that had we chosen to If the car was sold at a private sale, the sale date If the car was sold at an auction, the date, time and location of the sale and A calcuation of the deficiency balance ( or surplus if applicable ), including a description of the fees and charges. 
We also never received proof that Santander sold the care in a " commercially reasonable manner. '' The original loan amount of the car was for {$10000.00} minus a down payment of {$1000.00}. 

At the time of the voluntary repossession the fair market value of the car was over {$7000.00} as it was in decent shape. Therefore, we have no idea how we could owe over {$9000.00} on a car that we did make payments on for almost 3 years and at the time of repossession was worth over {$7000.00}. 

Sincerely, XXXX and XXXX XXXX
Product: Debt collection

Court ordered documents attached - demanding company remove from all 3 credit bureaus immediately. Misrepresentation on my credit profile and threatening phone calls have caused mental and financial damages
Product: Credit reporting, credit repair services, or other personal consumer reports

Bread Financial ( via Comenity Bank ) is issuer of my BJ 's Elite Mastercard. Since XX/XX/2022 company has failed to properly report my revolving balance to all credit agencies resulting in my credit utilization being higher than it actually this. This in turn has lowered my credit score for the past four ( 4 ) months. 

Currently the company is reporting XXXX XXXX of my account 's limit : {$1000.00}. My XXXX, XXXX, XXXX and current statements are {$0.00}. 

I have attempted numerous times to resolve this issue with customer service, but receiving no support except for the canned responses.
Product: Credit reporting or other personal consumer reports

Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc reporting as a collection items. I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection accounts. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in XXXX to be updated and/or removed. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Coin base is holding almost {$4000.00} of my money. Multiple times Ive tried to access my account and their website is not functioning properly in order for me to be able to do so. Ive contacted their support to bring this issue up with them and theyve only advised methods in which I do not have access to. Ive contacted support multiple times to address this concern considering the circumstances, with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the provisions of FCRA 611 ( a ) ( 1 ), the bureaus are required to have conducted a reinvestigation of my dispute which was filed XXXX XXXX, and to have concluded that reinvestigation within 30 days of your date of receipt of my dispute. To date, I have received no response from all 3 bureaus.

Under the provisions of FCRA 611 ( a ) ( 6 ) ( A ), the bureaus are required to have provided me written notice of the results of the reinvestigation within 5 business days of the completion of your reinvestigation. To date, I have received no notice of results of the reinvestigation. Since the statutory periods have expired, I consider all 3 bureaus to be in violation of the cited sections of the FCRA.

Please be advised there are not exceptions listed, when faced with extreme weather or health pandemics. If the bureaus are given exceptions on breaking the law, they need to go to congress and have the law changed.
Product: Debt collection

Hi there, to whom it may concern I was injured from my job, due to the injuries from my job I was terminated since I was incapable to perform my job responsibilities, I reported my financial problems to Kohls XXXX explaining I had no financial income to pay my kohls credit card since I was let go from my employment, 5 years in XXXX Im finally being able to XXXX. I paid Kohls the XXXX XXXX  and change I owe. I hired a credit card fix company to remove my negative points and report from my credit history. A year in a half and kohls store agency still have not remove my past credit history after I paid them on top of speaking to an agency representative from kohls who stated they would remove the report.
Product: Mortgage

Per Regions, I submitted a tax bill for the XXXX year, which was confirmed received by them on XX/XX/XXXX. As of date, this bill has yet to be paid by Regions via my escrow account. On multiple occasions I have spoken with Regions via phone and requested that this tax bill be paid from my escrow account ( as is their responsibility ), yet no payment has been made. As of XX/XX/XXXX, the tax bill is still outstanding and the county has now placed a lien against our property. Each of the attached documents has been submitted and received by Regions.
Product: Credit card

I applied for a business credit card with Chase for a brand with XXXX. They offer XXXX miles after spending {$2000.00} in the first 3 months. I disclosed to XXXX people ( underwriting/analysts ) during the application process that this was a card for a separate business XXXX which is a different legal entity of my other business, and that the reason I was applying for a separate card is because I wanted to separate the expenses of each business for tax purposes. They were ok and after completing the application I was approved. After I received the card, I started using it and met the {$2000.00} expenditure required to received the promotion of XXXX miles. AFTER THAT, they communicated to me that they were not going to award this offer because I had another business that received this promotion in less than 24 months!! They never told me about this rule during the application process nor when I received my card nor later, and they ONLY communicated this to me after I met the expenditure target ( and after they charged me also for the annual fee ), which is very malicious on their part. If I knew at front about this issue, I would never had applied for this card in the first place. 
When I contacted the customer representative, she was very rude and un respectful and did n't care at all how she treated a customer ( and a good customer as I have several accounts, all in good standing with them!!! which is even more upsetting! ). 
This is a very deceiving business practice, as they are misleading and lying to people, and they do n't want to take responsibility, ownership and honor their commitments. It is sad to see that after the financial crisis of XXXX, they continue to practice unlawful acts, without taking any responsibility.
Product: Checking or savings account

On XX/XX/2018 the XXXX store from XXXX XXXX, Ca charged my debit card for {$1000.00}. Then the Santander decided to credit the {$1000.00} back to the account on XX/XX/2018. On XX/XX/2018 the bank then charges me again {$1000.00}. 
I have gone to the bank many times to file claims but they kept getting denied. I told them that on the bank statement it says that the charge took place in XXXX XXXX, Ca but the state that I live in is Massachusetts. I asked them why they were getting denied and the bank told me I had to go to the merchant ( XXXX ) to get the money back. 
I call XXXX to try to get the money back but they said I have to go through the bank to get the money back. I talked with a customer relations employee at XXXX and investigated the matter. The employee and I ended up getting proof of a receipt they found showing that the transaction took place in XXXX XXXX. 
I have been going back and forth with the bank with the proof and evidence that it was fraudulent but they refuse to refund the money. I believe that the transaction should not have gone through because it happened across the country from where I live. Santander should have not let that happened. 

Below I have the bank statements and the XXXX receipt I received the customer relations employee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection account does not belong to me. I was frauded. It was reported on my credit reports and it is completely wrong! 

This notice is to inform you that you have broken the law. You unlawfully report unauthorised accounts on my consumer report that have violated my federally protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15 USC 1681b, the permissible purpose of consumer reports.

You have no permissible purpose by law to contact third parties with my private and personal information. Your offences amount to Aggravated Identity Theft pursuant to Title 18 U.S.C felony punishable 1028A. You have knowingly transferred, a felony punishable with up to 2 years of imprisonment, in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692g.