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

I co-signed on a car loan in that was opened XX/XX/XXXX. In XXXX of XXXX payments fell behind and the car was voluntarily surrendered to the recovery service until payments could be made. Ally Financial promised the vehicle would remain in the recovery yard located in XXXX OK. However, the vehicle was relocated to XXXX XXXX and in transit was damaged. 

I was informed by the XXXX XXXXXXXX Auction facility the vehicle was scheduled for auction and a hold was not placed on the vehicle. I was forced to obtain the receipt of payment, acquire a satisfaction letter from Ally Financial, and provide the proof in person to the auction service in order the remove the vehicle from the auction sale bill. 

I was forced to lose an entire day of work in order the rescue my property from illegal auction. I have contacted Ally hundreds of times to satisfy the claim or remove their claim from the credit reporting agencies to no longer slander my credit score. This is a malicious act on behalf of a massive lender who has failed to comply with a previous debt validation letter. THIS NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 

Thank you for looking into this matter. I wish you actually enforced something.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Incorrect Address on Credit Report Dear Innovis, I am writing to dispute an address that is incorrectly listed on my credit report. The address in question is : Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX This address does not belong to me and is inaccurately associated with my credit report. I request that Innovis investigate this matter and remove the incorrect address from my credit report promptly.

Enclosed with this letter are copies of documents verifying my current address : Utility Bill Drivers License I also request that Innovis provide me with a copy of my credit report once this dispute has been resolved to confirm that the incorrect address has been removed.

Please investigate this matter as soon as possible and inform me of the results.

Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

I purchased a used car from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX  XX/XX/XXXX. 
At the time they offered credit acceptance as a loan provider. During the sign up with credit acceptance I was at the office for hours, eventually being handed a stack of papers needing to be signed. I was not aware of the interest rates, or other charges outside of the XXXX I had agreed to at the sale, nor that I would not be receiving my only request which was to have a GAP insurance policy for the vehicle in place, which I was told would be. I was led to believe by both the auto sales guy and the creditor that I was signing up in good faith. Few days following the purchase I was calling around to verify coverages XXXX XXXX XXXX, and was told that based on the loan value, I was not given Gap insurance for the vehicle. I left the matter alone, however in XXXX while in XXXX my vehicle was stolen & reported. I did not have comprehensive coverage that covered out of collision damages at the time. Explained the matter to credit acceptance however they were unable to help me, knowing wholeheartedly that I had asked for the XXXX coverage at singing and was denied as well as other misrepresentations. I feel scammed, now I am financially struggling and can not even find adequate housing because of credit acceptance greed, misrepresentation and scam. they also continue to call me XXXX times a day from XXXX numbers although I have informed them several times of the circumstances they have lured me into.
Product: Bank account or service

I have a complaint against PNC Bank for defamation of character and fraud. I have been with this bank for over 8 years. My daughter and I had an joint account because she was a minor at the time. In XXXX XXXX there was an estimated amount of XXXX in fraudulent transactions on this account. My daughter looked for her card and seen that the card was stolen from her wallet. There was checks from a car dealership XXXX and was used in a community bank in XXXX, XXXX. There were numerous transactions at XXXX, XXXX pharmacies and other retail outlets in the state XXXX, in the city of XXXX, XXXX, and XXXX XXXX. We have never been to this state or cities. I have filed XXXX disputes with the bank and they were denied. Because they claimed that there was film, which they had not shown us. I filed a police report and had my attorney write them a letter to resolve and clear my name of any involvement. They have not contacted my attorney or myself. The bank has now put these charges on my credit and has XXXX credit agencies contacting me regarding the balance. They also closed all my account and will not return any monies. I know if they would have investigated these checks and transactions I would n't have become a victim of a crime and false accusation from this bank. I believe that they are responsible for being irresponsible for not protecting me as a customer and allowing anyone to hack there system to withdraw funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter via certified mail requesting Experian to look into accounts that where reporting inaccurately on my credit report. On XX/XX/XXXX I received a response letter stating these accounts were updated. 
Using their credit report that was sent to me by Experian, I went through each account that was reporting incorrectly. 

I asked Experian to please investigate the accounts listed in the dispute. They only looked at one which is listed below : XXXX/XXXX XXXX - was not late on the date showed on report However Experian didnt even do an investigation. The only thing that was done was update the comments of the date it was last updated. This is not an investigation. Experian is completely disregarding the law. 

Experian also completely ignored my request to investigate the following with my initial request of their method of investigation proving the accounts below belong on my credit report in its current state : XXXX/XXXX - was not late on the date showed on report XXXX XXXX/XXXX - not reporting pay history showing that I was never late 6 different XXXX XXXX XXXX accounts - was not late on the date showed on report XXXX/XXXX - was not late on the date showed on report XXXX XXXX - was not late on the date showed on report XXXX  XXXX/XXXX XXXX  - was not late on the date showed on report XXXX XXXX XXXX - was not late on the date showed on report I have tried reaching out to Experian for an investigation. A reinvestigation, and the method of their investigation to prove they are investigating. It has been over 60 days and Experian is choosing to violate my rights and ignoring their requirements by the FCRA. 

Experian can not report information that is incorrect on my profile. As of now, I am doing everything I can before seeking out legal aid. I hope this could help me. 

Thank you!
Product: Credit reporting or other personal consumer reports

If inaccurate information is discovered in your file, the consumer reporting agency must examine the disputed information, usually within 30 days. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it.
Product: Checking or savings account

I deposited a cashier check in the amount of XXXX. I sold my food truck and was paid with a cashier check from my client. I then deposited the check in my navy federal account and now they are telling me its fraud and they will not release my funds. Ive deposited this check XX/XX/XXXX. And it has cleared and not returns or fraud was committed. They are just holding my money for no reasons. I have responsibilities and Im risk of losing a lot if I dont get my funds.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$55000.00} - Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact these accounts are in dispute. The accounts are as follows : 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 and PUBLIC RECORDS accounts. Every single one of these line items are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus multiple times to review and fix these accounts however, I have not been successful.
Product: Credit reporting or other personal consumer reports

LexisNexis has reported information on me that is false and does not belong to me. Including addresses and names that are not myself. This information has been used to open accounts that were not approved by me. Incorrect Addresses : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( Names ) : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. ( PHONE NUMBERS ) XXXX, XXXX ( EMAIL ) : XXXX, XXXX, XXXX. All of this information hs been reported by LexisNexis and violated meand allowed fraudulent accounts to be opened without my permission. I have filed a Identity theft report or al ; of this fraudulent information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of XXXX I sent in my dispute letters to the bureaus because I have false information reporting on my credit report and I want that misleading information off immediately. I waited 30 days like I have been advised to and I have heard no response from the bureaus. I feel like I am not being taken serious and taken advantage of because I am a consumer. Section 611 ( a ) Cleary says that a failure to investigate these items within 30 days gives a reason to delete those items off of my credit report. I am demanding that you remove these items off my credit report or litigation will be filed due to the stress you have caused me. My information was also affected in the Equifax Data breach and may have gotten into the wrong hands.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/year> XXXX XXXX VIA DEALER XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XXXX VIA DEALER XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XXXX VIA DEALER XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Please stop closing this as this is a NEW complaint!!!!!!!!!!! 
I originally had a XXXXXXXX XXXX loan, which was found to be neglegent in their business practices. At that time, my loan was transfered which to Aidvantage. After Aidvantage, in XXXX, my loan was transfered to XXXX. Just recently, is was moved to XXXX. 
Back in XXXX, when the loans were obtained the loans were considered federal loans, which were called XXXX XXXX and Unsubsidized ( now known as FEDERAL Direct loans ) They got rid of the program XXXX XXXX. I filed and was approved for XXXX XXXX through the XXXX vs. XXXX, which was forgiven. I have been waiting for the reimbursement of payments made. I had a federal loan through the old XXXX subsidized and unsubsidized loans XXXX  ( from XXXX ). I was told my XXXX that these were, indeed, Federal Loans, however, that they would not be reimbursing me. Other students that had the same loans through Aidvantage and then transferred to XXXX have been reimbursed. The students ' loans are the EXACT same as mind. This is one student 's testimony : " spoke with Aidvantage today as yesterday the letter I received was to confirm my address because I was due a refund for overpayment. The adjustment amount I see on Aidvantage 's site is exactly what I'm getting back so all of the XXXX  loans are included!!! '' This is my loan : originally holder Aidvantage then moved to XXXX and now with XXXX  : Loan Type All Loan Details Loan Current Balance Interest Rate Due Date Show more information XXXX Stafford - Subsidized {$0.00} 6.800 % No Due Date Show more information XXXX XXXX - Subsidized {$0.00} 6.800 % No Due Date Show more information XXXX XXXX - Unsubsidized {$0.00} 6.800 % No Due Date Show more information XXXX XXXX - Unsubsidized {$0.00} 6.800 % No Due Date XXXX XXXX Unsubsidized {$0.00} {$0.00} {$0.00} XXXX XXXX Unsubsidized {$0.00} {$0.00} {$0.00} XXXX found that the direct loan offered was for undergrad students and I was a student in a grad program.
Product: Mortgage

SANTANDER bank owes me documents for many months and it is now very urgent that I receive them as I am in contract to sell my coop. 
I paid off my mortgage for my coop with Santander Bank on XX/XX/XXXX, XXXX I emailed and phoned Santander bank requesting my original stock certificate and proprietary lease starting in early XX/XX/2022, as these are required for me to sell my coop. I also emailed the person who was my attorney for the purchase and was also the Santander bank attorney and who serviced the title for the purchase of my coop, XXXX XXXX, requesting the same in early XX/XX/2022. I originally was told by Santander that the documents were lost and that they were working on my request, which could take 50 to 90 days. Since then I have gotten the runaround. Dozens of emails and phone calls have given me conflicting info, while communicating with different Santander ( and then XXXX ) employees. I was first told that both documents were lost, but lately I am told via email that one or the other document has been found and they are looking for the other. 
My coop is now in contract to be sold. One of my current lawyers for the sale of my coop, XXXX XXXX, XXXX, requested a lost stock and lease Affidavit in XXXX. I went to my local Santander bank in XXXX, XXXX XXXX, NY for help, and met with XXXX Specialist/ Relationship Banker, XXXX XXXX XXXX XXXX XX/XX/XXXX. 

XXXX called the mortgage dept requesting the affidavit. He was asked by XXXX in the mortgage dept that I provide the specific language that needs to go on the affidavit. I emailed Santander with this info, provided from my lawyer, on XX/XX/XXXX ( which Santander claimed they did not receive ) and again on XX/XX/XXXX. Receipt was confirmed by supervisor XXXX, who said she was escalating my request and that I would hear back within 2 days from upper management and get a single point of contact from now on. She said that if I didn't hear back, I can ask specifically for her by using her initials XXXX. I did not hear back and nobody was able put me in contact with her. 

After several more calls and another supervisor escalation, I received an email from XXXX, client advocate at XXXX. She claimed via email that she was not able to help me, but she then emailed me " that Santander does have the stock certificate and will be sending it out. '' However, I have since heard via attorney XXXX XXXX that Santander found the lease, but are looking for share certificate. 

I still have not received any documents or affidavit. My coop is in contract and a closing date is imminent. 

I can provide you with other dates and names of other people that I have spoken with about this issue. 

Also, I have been told repeatedly that only regular mail will be used when the documents are ready. I explained several times that my regular mail is not dependable. I offered to pay for another secure service like XXXX  or XXXX  and was denied. I also asked that it be delivered to my local santander bank where I can easily pick it up. Each time, I am told that that is not possible.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX, XXXX XX/XX/2022
Product: Checking or savings account

On XX/XX/2024, I deposited a check for {$430.00} issued to me by XXXX XXXX XXXX XXXX XXXX XXXX. There were 2 tellers and rook longer than I thought to have it deposited. They said we have to hold the check before it clears and deposited only {$220.00} and the rest will deposit on XX/XX/2024. I asked them what bank the check has on it. It showed XXXXXXXX XXXX I told them TWICE I bank with XXXX XXXX They did not give me the option to decide to take the check and go to the other bank. They just went ahead and deposited it. I went to XXXXXXXX XXXX in person and told THEM the issue and they said once it's deposited at Wells Fargo I can't ask for the check. The point is WELLS FARGO EMPLOYEES DID NOT GIVE ME THE OPTION TO TAKE THE CHECK TO XXXX, WHICH XXXX WOULD HAVE DEPOSITED THE ENTIRE {$430.00}. Now I am sitting here waiting for NINE ( 9 ) DAYS to have the rest deposited. It is REDICULOUS to wait 9 days for the entire check to clear!
Product: Checking or savings account

I was part of a hiring scam with a company called XXXX XXXX in XX/XX/year>. A wire was made from my account in two payments totaling {$5800.00}. This {$5800.00} was moved from Wells Fargo to XXXX  XXXX XXXX XXXX which I was told that it was a sub account of XXXX XXXX whom I was supposed to be hired by. The fraud immediately was detected after the first weekend following the wire transfers. That Monday following the incident, an account notice was placed by Wells Fargo as I notified them on the fraudulent activity and a new checking account was opened. Wells Fargo has been notified of fraud by phone. A month later in XX/XX/year>, XXXX XXXX XXXX XXXX showed a payment processing from the newly made checking account. Wells Fargo was notified to not accept the charge from XXXX  XXXX XXXX XXXX. Wells Fargo said they placed a note that the chargeback from XXXX  XXXX XXXX XXXX was unauthorized. The unauthorized chargeback from XXXX XXXX XXXX XXXX went through and depleted my account into the negatives.I have been trying to refund my initial checking balance of {$1300.00} from the {$5800.00} that the scammers defrauded Wells Fargo through my account. My account has since been closed by Wells Fargo and my credit card of over 10years with over XXXX credit limit closed as well due to this mess. Since then, I placed a police report and formal complaints with Wells Fargo and through CFPB to gain resolution to this problem. It was been over a year since my initial dispute. Wells Fargo contacted me yesterday about the negative balance they want me to pay back. As far as I am concerned, Wells Fargo actually owes me the {$1300.00} that they took back in XX/XX/year> when they allowed XXXX  XXXX XXXX XXXX to pull {$5800.00} that was labeled and noted as an unauthorized charge. I strictly told them to put a stop to the charge and what would happen If Wells Fargo allowed the charge to go through from them. Had Wells Fargo listened, then I would have had to deal directly with the neighboring Credit Union relinquishing any liability from Wells Fargo and initially myself. Since they allowed the unauthorized charges to go through to the new checking account I created, we all now have to solve this overly complicated Fraud case. I can not be liable for the full amount as I am covered, as a consumer, by federal law given that i reported the Fraud and took all the necessary steps within 3 days. I called Wells Fargo Fraud Department to file a new claim and no one was available when they transferred my call. The initial agent who was asking for the remaining {$4000.00} said that I needed to place a police report on the Fraud which i have done 2 years prior to now. This situation needs to be resolved asap.