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

My husband and I were at the end of our lease and we were asking for an extension trying to decide whether to keep the car or get a new one ... ... Dealing with Nissan Acceptence was very hard. I was late with my payments because I misunderstood what the girl was saying... She had an accent. Then I made the payment... And I thought it was okay. Then, they returned the payment to my checking account... I called again., and both me and my husband spoke to them. We asked for another extension because we wanted to buy the car and had to look into it. They said to make another payment and I did... Then I made another payment to catch up ... .. Then They sent both payments back. I saw it was refunded into my checking account!!! I called again, couldn't get through., so I gave up... The next day, XXXX. XXXX, they took our car out of the driveway... .. We didn't know until I answered a call from CA. which I usually don't answer because there's never anyone on the other end. It was them!!! They told me they took our car!!! I spent over XXXX hours on the phone! I was livid! One person hung up ... and after two more people., they told me they took the car for non payment and the only way I could get it back is to pay off the balance... .I said I'd check with my credit union. We went to our Credit Union, a very competent woman named XXXX helped us. She called Nissan for us and confirmed that they rejected two of our payments. They did not care. XXXX/my husband and I completed a loan application for the balance of the car owed. Now we have to wait for a release form to come so that we can go and pick up the car.. Dealing with the Nissan acceptance corporation was very difficult. Most of them had accents and didn't listen to what I was telling them. We had to travel to get our personal belongings out of the car, after filling out a form on the computer and sending a copy of my license. Otherwise, they would not give us the address. I've never been through a horrible ordeal like this in my life. The people at the dealership were no help... They said, sorry, it was out of their hands. 
I would like to know what recourse I have ... The payments were sent, they didn't accept them!???
Product: Mortgage

XXXX shows no mortgage on my credit report? 

Do I have a mortgage? 

If I pay US Bank mortgage payments, I will get no credit for my payments because it's not on any of my of my credit reports. 
How fair is that?
Product: Mortgage

I started to contact loan care back in XX/XX/XXXX. I stopped to make payment in XX/XX/XXXX. I had car accident on XX/XX/XXXX, and after it was struggling for my sickness. I bought the full coverage, and paid off the car loan. But I never thought I did not get paid until today. So I sent the loss modificaiton process, and kept can not reach the person for my case through loan care. So I hired the XXXX XXXX XXXX for helping me as the witness for my case. It kept saying that no documents received. The law firm told me to file the bankruptcy to postphone the sale time, and wait for loan care to give me the new plan. But I got the sale news through flyers again. I hired another Premium legal service to help me. Again they did not do anything just asked me to file bankruptcy again. But the result is nothing done, and my house sold on XX/XX/XXXX. Loan care closed the modification case for no documents filed on the same sale date. I felt this is dual tracking and loan care should not sell on that day. And also I had grandma and grandfather illness and passed away in XXXX. I am the XXXX XXXX for my parents, and I had to go back to XXXX on XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX Now there is no one can help me to get my house back. I need correction for my process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX XXXX are reporting inaccurate information pertaining to a bankruptcy, all 3 agencies show different information. Under the law all 3 agencies must report same information Experian has file date XX/XX/XXXX XXXX has file date XX/XX/XXXX XXXX has file date XX/XX/XXXX XXXX has Ref # XXXX XXXX has Ref # XXXX Experian has Ref # XXXX XXXX has month of discharge - None XXXX has month of discharge - XX/XX/XXXX Experian has month of discharge - None XXXX shows address - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MS XXXX XXXX shows address - XXXX XXXX XXXX, XXXX XXXX, XXXX, MS XXXX Experian shows address - XXXX XXXX XXXX shows Type of Court - US Bankruptcy Court XXXX shows Type of Court - US Bankruptcy Court Experian shows Type of Court - US BKPT CT XXXX shows phone # XXXX XXXX shows phone # XXXX Experian shows none
Product: Credit reporting or other personal consumer reports

I request a full copy of my credit report from my annual credit reporting agency to review my information. I saw accurate information on my credit report and I disputed with the three credit bureaus. TransUnion sent me a letter that they don't think I am the one who disputed the incorrect information on my report. They're sending me a letter stating I'm not the one who's disputing the inaccurate information in my report. I am the one who disputed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( FCRA ) ; XXXX has violated my rights. On XX/XX/2021 there was an unauthorized inquiry. 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 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.
Product: Credit card or prepaid card

I received promotional checks that could be written of of my existing credit line at U.S. Bank. They stated that using the checks would include a 0 % APR through my XX/XX/2023 billing cycle and could be written for an amount up to the amount of credit available on my card. I wrote two of these checks believing I understood the terms, only to find out that each of the checks incurred a 4 % fee. 
I had since shredded the last of the three checks so I accessed U.S. Bank 's site to see what I could find about the fees and in much smaller, legalese-type text it includes a note that refers me to Interest and Fee Information disclosures. 
I do not believe this was unfairly represented in the checks that I received in the mail. I feel the marketing of this promotion is deceptive and led me to believe that the only " fee '' I would be charged is standard interest if I were not to pay off the balance before the XX/XX/2023 billing cycle. It feels abusive to not be reasonably presented all information or the opportunity to access it without incurring extra time-cost and navigation to an area that wasn't clearly presented. 
I contacted U.S. Bank on XXXX and lodged a complaint under UDAAP principles and they stated it would be delivered to their marketing team and other " higher ups. '' Obviously, I don't know exactly what that entails but I'm hoping they see it and correct their marketing materials. 
I feel that these fees should be reversed in full and that their marketing materials should more clearly state that fees are applicable and detail what they are without requiring me ( the consumer ) to have a law degree to get there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to Transunion. My tracking number XXXX However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a-Definitions ; rule of construction.

The term " investigate consumer report '' mean a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations.

However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported on my account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied for 2  Mortgages and I have got denied on both due to remarks on my credit report XXXX XXXX and XXXX! I had a medical collection account sold to XXXX XXXX XXXX for 2 of the medical bills I am not disputing I owed this bill I am disputing in the notes on my Credit report it states Included in Receivership and included in bankruptcy! 2 account on XXXX and 1 on XXXX XXXX! I have spent the last 6 months disputing and re disputing and the keep coming back saying accurate! The remarks and notes are inaccurate I have never had a bankruptcy and these notes are causing my financial harm.
Product: Checking or savings account

The simplest way to describe what happened is to upload the letters we sent to Key bank describing our frustration and dissatisfaction. Their XXXX client relations executive ( XXXX XXXX. - he wouldn't give us his last name ), sent us the attached letter saying our accounts ( 5 of them XXXX would be closed on XX/XX/XXXX ( just 6 business days from now XXXX. His failure to deescalate the situation will result in our having to switch to a new bank and has no regard for our vendors and more importantly our XXXX employees who will have issues with their checks. 
Are Federally chartered banks able to disrupt commerce this way? 
Because our accounts were compromised in XXXX, at the banks request, we were told to open new accounts for which we spent {$1000.00} on new checks etc. Now they want to close the accounts - I want that money from them!
Product: Bank account or service

I tried to log into my online banking account and after I logged in they asked me a security question that I somehow did n't pass. They proceeded to lock my account. I called the number they provided to me, and I spoke with a man named, XXXX ( if thats his real name ) and he asked me for transactions that he could verify and I was giving him transactions from the past week and he said those are n't cleared yet so I ca n't use them. He then proceeds to ask me " what name have I gone by in the past? '' and he lists several names that are not mine and then he says half my name. I know my name has an apostrophe in it and it confuses systems so i chose the only answer with my name in it and IT WAS WRONG. He then patched me through to a supervisor and she only repeated the same thing and then proceeded to say that its out of their hands and that they get the information from XXXX XXXX some credit company. I am a XXXX and the only credit I would have to my name is loans but they 're deferred and I took them out years ago when I was going to XXXX out of state. I then proceeded to question the lady on why this was a thing and she proceeded to repeat herself over and over again. She even cut me off on the phone to repeat herself and after she was unable to answer any of my questions she then said, " Well the only thing I can do for you is tell you to wait till monday. Would you like the hours of the bank? '' I KNOW THE BANK HOURS! I wanted to know why they would lock my account and not have any way to unlock it. I want to know why they are using some random credit company and then burdening XXXX kids who dont have credit. I am genuinely upset and dissatisfied with my conversation with the supervisor and her lack of knowledge, kindness, and ability to answer a question and inform me of all the information I asked. I wanted to check the money in my account and see if I am correctly managing my funds because I have events that I need to budget and allot money for in the coming weeks. I genuinely do n't feel like I will be continuing my business with TD Bank, which is sad because I 've been with them since they were XXXX and I just feel like this is a hassle I dont have time for.
Product: Checking or savings account

XXXX XXXX I visited a Bank of America atm and used my XXXX XXXX debit card, I tried to withdraw {$1000.00} but the atm did not dispense the funds. I could not go into the branch because it was not open. I call XXXX XXXX  the put in a request for verification to BOfA and was sent a computer document saying transaction was successful and funds received and that didnt happen, I have no way of escalating this matter. I would like them to check the atm video so they can see clearly I did not receive funds. I feel Robbed with no one to help me
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX with {$20000.00} financing secured through Gateway One Lending XXXX XXXX. I continued making my payments to Gateway One up until I received a letter from Santander Consumer USA in XXXX of XXXX notifying me that my loan with Gateway One had been sold to Santander Consumer USA ; The letter informed me I would make my payments to Santander under the same terms of my original contract through Gateway One. 
On XX/XX/XXXX, I filed a complaint with CFPB ( Complaint ID XXXX ) due to a significant payment discrepancy as well as correspondence issues after several phone calls and letters between myself and Santander Consumer USA. The conclusion of that complaint led to the notification that Santander would be releasing the truck title to me " free and clear ''. I was also informed the payments ( totaling {$3100.00} ) I made during and after the loan was sold ( XX/XX/XXXX-XX/XX/XXXX ) to Santander Consumer USA should not have been collected due to my bankruptcy filing in XXXX and an " error '' between Gateway One lending XXXX XXXX and Santander Consumer USA. I was first informed the title was being released in XX/XX/XXXX, to be received in 30-60 days. I called back on XX/XX/XXXX to verify what I was told earlier in the month and it was verified. I called back on XX/XX/XXXX to check the status of the title and was told it was still being processed. I called again on XX/XX/XXXX and was told they are still waiting for the title office to approve the release of the title and I should wait until after the 1st of the year. I received the title on XX/XX/XXXX but I received no response on the payments I requested refund for since the payments I made should not have been collected per the Santander Consumer USA representative.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : XXXXConfirmation of corrections made to the disputed items. 
XXXXAssurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
XXXXWritten confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX5 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is with global Payments - they are reporting that I have unpaid transactions through checking accounts that are not mine. I have called and send numerous letters with no response.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I went in to do a return to BJs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. When my return was processed the employee asked if I wanted to apply for their credit card and I declined. Later throughout the day I was notified that a hard inquiry had appeared on my report for the same credit card I had declined at the store. I then proceeded to reach out to capital one but to no avail because unless you have an account with them there is no chance of connecting with a customer service representative.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX City State Zip : XXXX, CALIFORNIA XXXX Date of Birth : XXXX Last 4 of SSN : XXXX DATE : XX/XX/year> Subject : Complaint Regarding Incorrect Account on My Credit Report Under FCRA Dear Consumer Financial Protection Bureau , I am writing to dispute the following information in my credit report. I am disputing this account under the Fair Credit Reporting Act ( FCRA ) for the following reasons : Information on the Disputed Account : Name of Financial Institution : XXXX XXXX XXXX Account Number : XXXX Date of Account Opening : XXXX The above-mentioned account was never properly notified to me as required by the FCRA. Under the FCRA, I must be notified of any information that affects my credit report before it is reported. The lack of proper notification violates my rights under the FCRA.

15 U.S.C. 1681b : Limits the purposes for which a credit reporting agency may provide my credit report. I was not informed or asked for my consent for this Account 15 U.S.C. 1681i : Describes the procedure for disputing inaccurate or incomplete information on my credit report. I am disputing the accuracy of this account and request that it be removed immediately.

15 U.S.C. 1681m : Requires that I be notified of any adverse action taken against me due to information on my credit report. I did not receive any notification about this account.

Thank you in advance for your attention and help in resolving this complaint. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I opened a checking account with Truist Bank on XX/XX/2022 at the branch located at XXXX XXXX XXXX XXXX, FL XXXX with XXXX XXXX XXXX I emailed XXXX XXXX two forms of documentation to verify my address and I also provided her my passport in person to verify my identity in order to open the account. On XX/XX/2022, I called and opened a savings account over the phone. Shortly after doing so, I deposited XXXX into my Truist account. On XX/XX/2022, I tried to use my debit card and it kept declining. I called Truist and that's when I was told my account was closed because I didn't verify my address, even though I know I did that when I initially opened my account in the branch. This bank has done nothing to help and now my money is being held and I have no access to it. If it isn't rectified through these complaints, a lawyer will be getting involved XX/XX/2022