23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had XXXX loans with AES that were paid off by XXXX XXXX XXXX XXXX XXXX. I paid out the amount that was told to me by AES was to total due to pay XXXX loans in full, I then submitted that amount to XXXX XXXX who issues a payout to AES and became the note holders on my loans. Around XXXX of 2015 ( XXXX yrs ) I begain receiving notice from AES that I had a balance due in full to them which included XXXX yrs of interest. I had not received any notice before then that I had a balance or there was any balance outstanding. Both XXXX and I have attempted to contact them and sent them multiple documents indicating the transfer of the loan. They have now sent my account to PHEAA Default Collections and the debt is now on my credit report.
Product: Mortgage

We have a complaint against Green Tree Mortgage Co. ( now Ditech ) We should not have been charged {$18.00} per day interest from XX/XX/XXXX to XX/XX/XXXX while the title company and Green Tree were trying to figure out who was responsible for the delay in actual pay off date. We should not be held accountable for that mis-communication.
Product: Debt collection

Calvary Portfolio is a secondary collection agency that apparently purchased this debt from the primary lender. Calvary Portfolio never notified me of this debt, nor did they give me the opportunity to ask for proof of this debt. This is not my account and I do not owe the money asserted by this collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I tried to renew my membership with Experian Credit for their credit monitoring. At the time, they renewed my service, but charged two credit cards at the same time for {$27.00}. The cards end in XXXX and XXXX. The card ending in XXXX was charged in error. When I call their call center, it keeps disconnecting me. 

There should only be one charge of {$27.00}, not two.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Identity Theft - Account Number XXXX To Whom It May Concern, I am writing to address an account that has been reported as a collection/charge-off on my credit report, which I believe to be the result of identity theft. I recently became aware of this account and the associated negative impact on my credit history. 

Account Information : - Account Number : XXXX - Original Creditor : XXXX  - Date Opened : XXXXXXXX  - Current Balance : XXXX - Status : Collection/Charge-Off I wish to dispute the validity of this account based on the fact that I have been a victim of identity theft. I have taken immediate steps to report the identity theft to the appropriate authorities and have obtained a copy of the relevant police report as supporting documentation. 

I kindly request that you investigate this matter and remove the account from my credit reports with all three major credit bureaus : XXXX, XXXX, and Experian. As a victim of identity theft, I have taken the necessary actions to rectify the situation and protect my financial well-being. 

Please provide written confirmation once the account has been removed from my credit reports. Additionally, I request that you provide any guidance or documentation necessary to facilitate this process and ensure the prompt resolution of this matter. 

You can reach me at XXXX or XXXX to provide further instructions or to discuss this matter in detail. I am committed to resolving this issue and appreciate your cooperation. 

Thank you for your immediate attention to this important matter. 

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

On XX/XX/2023 I contacted the following credit bureaus, XXXX, and Transunion, by United States Certified Mail. I filed a dispute that while reviewing my consumer reports, I saw that inaccurate information was being reported in violation of Federal law 15 U.S. CODE 1681 e Compliance of procedures ( b ) Accuracy of report state that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report elates to. I disputed this information, I then received a response stating that the item remained unchanged from there processing of my dispute in XXXX of XXXX. On XX/XX/2023 I contacted these companies and filed another dispute requested there method of verification they claimed that the creditor that reported this account verified this inaccurate information, and as a result these companies used this as a method of verification and verified this information on my consumer report. I then requested that XXXX and Transunion follow suite like XXXX XXXX, and XXXX and delete this inaccurate information. On XX/XX/2023 I received a response from XXXX in this response they state under public records that the company that reported the information has certified to XXXX that the information is accurate. They also state that this item was not changed as a result of the processing of this dispute. I would like to state that I have received a certified letter from the UNITED STATES BANKRUPTCY COURT OFFICE OF THE CLERK SOUTHERN DISTRICT OF FLORIDA, IN THIS CERTIFIE DOCUMENT THE GOVERNMENT clearly state that the bankruptcy court does not report or transmit bankruptcy court records or any other information directly to credit reporting agencies... With this being said I am requesting that this inaccurate information be deleted immediately since in this case the Bankruptcy court is the creditor and they have provided me with a certified document stating that they have provided no such information. XXXX And Transunion are in violation of federal law and this account must be deleted immediately based on Federal LAW 15 U.S. CODE 1681 e Compliance of procedures ( b ) Acccuracy of Report.
Product: Credit card or prepaid card

I received a debit XXXX card from US Bank ( ReliaCard ) at my home address, but it has the name of another person. I phoned USBank and after talking to several departments, I was told that they only process orders from US Government agencies and have no personal information on recipient. I checked - there is no one in our area with this name. I sent a fraud report online to our local Jobs and XXXX XXXX XXXX, but there has been no reply. I checked my credit report, but nothing shows up there. Since there has been soooo many fraudulent claims and sooo much money has been lost - I think it's been Billions!!! - I want to be sure that our address or other info hasn't been compromised!! 
Tell me what to do with this XXXX debit card, I have been uneasy about just throwing it away. Name on card XXXX XXXX # XXXX XXXX XXXX XXXX exp. XX/XX/24 Thank you for your prompt reply!!
Product: Credit card

XXXX has triple charged me with interest within 5 days. There explanation for the finance charges being tripled is due to a deferment. I never requested these purchases to be placed on a deferred plan. I understand that I should have reviewed all pages of my statement each month. However ; XXXX failed to communicate that this was a deferred-plan upon my approval to purchase. Per the documents attached, you can identify the regular monthly finance charges and then a large finance charge of {$450.00}. I have closed the account and requested a credit of one of the finance charges, but they have refused to credit my account. This is a conspiracy and sneaky business on their part to rob individuals of their money.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been proven that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
MEDICAL XXXX Balance : {$35.00} MEDICAL XXXX Balance : {$330.00} MEDICAL XXXX Balance : {$47.00} MEDICAL XXXX Balance : {$70.00} MEDICAL XXXX Balance : {$70.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$250.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$320.00} XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXXXX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXXXXXX XXXX XXXXXXXX XX/XX/2020 XXXX XXXXXX/XX/2020 XXXX XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my credit card balances have been XXXX since XXXX XXXX XXXX and XXXX  have reflected this Equifax still has a derogatory and negative credit rating. The score is over a 100 points lower than the other credit reports. This is preventing me from getting a mortgage and a car. When I called the creditors directly they said they have reported the updated status of my credit balances to Equifax. It is now XXXX in Equifax still has not updated XXXX report even though it says the date of XX/XX/XXXX.
Product: Vehicle loan or lease

UNITED AUTO CREDIT CO denied me an extension of credit after accessing my credit. According to 15 USC 1681a ( k ) ( 1 ) which defines adverse action, one can be denied insurance and one can be denial employment. No where within 15 U.S. Code 1601- Congressional findings and declaration of purpose, does it say one can be denied an extension of the own credit. Furthermore, 15 U.S. Code 1691 - Scope of prohibition states within ( a ) Activities constituting discrimination, It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. Applying for credit extension using my open ended credit plan ( social security number ) through, UNITED AUTO CREDIT CO, entered Consumer and Lender into a consumer credit transaction therefore a finance charge arose. Dealership states this bank is requiring a down payment for the financed purchase of vehicle, which is not in accordance with 12 CFR 1026.4 - Finance charge. I received no disclosures regarding any adverse action, the finance charge and its cost and terms, the requirement of a down payment nor the statement of reasons as to why I've been denied.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX XXXX  XXXX to dispute inaccurate information on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX. My date of birth is XX/XX/year>. The FTC report numbers related to this complaint are XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under XXXX XXXX XXXX, Section XXXX, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution.
Product: Mortgage

XXXX HMDA-LAR Public Disclosures show that XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) operated the XXXXDirect Toxic Subprime Mortgage Loan Origination Boiler-Room utilizing an illegal Two-Tier Mortgage Origination Scheme to Originate Toxic Mortgage Loans which were subsequently securitized into five subprime XXXX RMBS Certificates. Teams of XXXX  Lending Specialists operating the XXXX-Direct Toxic Mortgage Loan Origination Boiler-Room Explicitly-Targeting XXXX XXXX, XXXX, and XXXX Applicants ( and fraudulently utilized the Race Unavailable ( RNA ) Racial category ) ; and XXXX XXXXo XXXX  HMDA-LAR Public Disclosures show that 193,088 Toxic Mortgage Loans with an approximate valuation of $ XXXX were originated using the Two-Tier XXXX Toxic Mortgage Loan origination Scheme. However, this number of toxic Mortgage Loans may haven just the tip of the Iceberg because most of the loans originated by these so-called mortgage brokers were via non-HMDA institution subsidiary : XXXX, which from XXXX through XXXX was the 12th largest subprime lender in the Nation. These so-called XXXX Lending Specialists would initially submit Borrower Loan Applications to XXXX, and if they were denied, they would then submit the same loan application to XXXX  XXXX XXXX XXXX XXXX XXXX ; and if it failed, they would then submit the same application to XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX where it was a certainty to be approved. HMDA-LAR Public Disclosures show that 183,176 loans originated at XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, and then sold to XXXX. 
Additionally, hundreds of thousands of Toxic Mortgage Loans with an approximate valuation of hundreds of billions of dollars were originated by XXXX non-bank subsidiaries XXXX and its successor : XXXX, and all origination after XXXX were unreported to HMDA-LAR. Both XXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX  XXXX have pleaded guilty to " Civil Violations '' related to the $ XXXX XXXX XXXX Lawsuit against XXXX XXXX XXXX XXXX XXXX, and the $ XXXX XXXX RMBS Trust Certificate Fraud, Lawsuit against XXXX XXXX XXXX XXXX XXXX XXXX 
Both of these multi-Billion Dollar Lawsuits settlements included a total of $ XXXX for Consumer Relief Restitution that was to be given to Victims of these Trust Certificate frauds. 
The Department of Justice ( DOJ ) Settlement stated that the " Criminal Investigations '' related to both Frauds were Ongoing and that these " Civil Lawsuit Settlement '' did not grant immunity to either of these Corporations, and Employees of these Corporations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently started to check my Credit Report around XX/XX/23 for the first time and I seen so much false information on it. There were false names, phone numbers, address and even a negative debt for {$3600.00}. My friend told me to download Experian and XXXX app to dispute it. He wrote the dispute, and a few things came off but not everything. 

Then when I did more research, I learned that you should call the companies to explain the Identity Theft instead of disputing online. So, I called XXXX and they said they will get back to me. I called a weeks later and was just put on hold and then the call just hung up. 

Now I'm taking the proper steps to fix everything. This negative false information is affecting my family and me. The bank seen so many different names for me and like 20 addresses. It even shows that I have an address in XXXX  and I never even been to XXXX.

My credit is not the best and thats why Im trying fix it. I do have a few other negative debts and I take full responsibility for them but the one debt for {$3600.00} is not mines. 

I lost my wallet few years ago and had to get a new ID and many years ago I lost my passport and had to report it and get a new XXXX too. I don't know if that has anything to do with this.
Product: Credit reporting or other personal consumer reports

Creditor Account : DEPT OF EDUCATIONXXXX, {$53000.00} Account Number : XXXX Creditor Account : XXXX  XXXX {$4200.00} Account Number : XXXX Creditor Account : XXXX XXXX XXXX Account XXXX : XXXX Creditor Account : XXXX XXXX  Account Number : XXXX creditor account : XXXX XXXX ; {$3800.00} creditor account : XXXX XXXX {$1300.00} Reason for dispute : Late Payment/ Negative Status/Closed Account : The account reflects a late payment that I dispute. I believe this late payment should be removed from the account as it is in violation of 15 U.S. Code 1681a and 15 U.S. Code 1666. 
Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act, you are required to provide validation of the information reported. If you do not have appropriate documentation to substantiate the late payment, I request that this be removed from my credit report. 
Additionally, I would like a copy of all supporting proof within 30 days, including the original contract or agreement that reflects my obligation, as well as phone conversation records in relation to any discussions of my unemployment and XXXX, as these factors affected my ability to make timely payments. 
This inaccurate listing is negatively affecting my credit score and, by extension, my ability to secure loans or financial opportunities. As such, I ask that you investigate and correct the report accordingly. 
I look forward to hearing from you regarding this matter. Please forward a copy of my updated credit report to my address. Thank you.
Product: Vehicle loan or lease

Complaint Details This business took an unauthorized payment of {$400.00} from my checking account on XX/XX/XXXX, which took my account into the negative. I had NO payment scheduled. During a conference call with Santander and XXXX, it was confirmed that the money had cleared my checking account, with no chance of being returned for insufficient funds. The Santander agent told me that rather than refund it, it would be applied to my loan, which it has not been. The last posted payment is XXXX, in the amount of {$200.00}. Now Santander is stating they have no info regarding this {$400.00}. The bank has not returned it, and Santander has no record of it. Now I am considered delinquent on my account by more than 40 days, which I wouldnt be if they applied the money to the loan. Santander owes me that {$400.00} Update. XX/XX/XXXX Santander has every piece Of proof they have requested, including my bank statements from the date of the transaction XXXX, up to last friday, XX/XX/XXXX. There have been multiple conference calls to my financial institution, including one with the electronic funds department, ALL confirmed that Santander was the last handler of the funds. It cleared my bank account, there was no return, it was not applied to my loan, and Santander is acting like they know nothing about this complaint, every time I call. They even reported this as delinquent to the credit bureau.
Product: Credit reporting or other personal consumer reports

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Money transfer, virtual currency, or money service

In early XXXX, I opened a bank account with chase. I opened it with my paychecks that Id save from work to open a new account. I go in, get the account, and continue on. After two days, my account randomly locks. I go in to ask and they tell me that its because they need to verify its me so I said okay and give them more info. The lady then tells me that Id be easier to open up a whole new account and send the money from the old one to that one. After opening up a new one I deposited {$800.00} into my savings and I had {$300.00} in my checking. After two days it got closed yet again and I called this time. They told me it was because chase ended their relationship with me, which I didnt care. But I asked about the money. The lady told me itd take 1-2 weeks and its been over a month now. This is {$1000.00} that chase stole from me and theyre refusing to give me.
Product: Checking or savings account

On XX/XX/XXXX, I deposited a {$60000.00} life insurance check into my new SoFi account. The bank verified the check with the insurance company on or around XX/XX/XXXX. The check cleared on XX/XX/XXXX, and I received my first direct deposit from my employer on the same day. 

However, on XX/XX/XXXX, I received an email stating that my account was restricted and my paycheck could not be deposited. SoFi has provided no specific reason for the restriction, only citing a violation of terms. ( I have only deposited money so I don't know how that is a violation of terms in a bank account. I've been unable to resolve the issue with customer service, as they've refused to provide a clear explanation or offer a solution. And refuse to allow me to speak with a manager. 

My funds are now inaccessible, and I'm unable to receive new direct deposits. I can not use my money including money not involved with the cleared check that they say they need to verify. I'm frustrated and concerned about the lack of transparency and support from SoFi.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings in reviewing my credit file I noticed three auto financing companies that I did not give permission to pull my credit. ( see below companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian credit bureau on XX/XX/2022 ( fraud dept ) was informed to contact the finance company directly. Upon contacting XXXX XXXX XXXX, I was informed they are unable to help me with the dispute since I am not their customer. In addition, I was told dealerships will sometimes fish the application for financing to multiple companies. I do not see this as fair, if I did not give each of the above companies direct authorization for a hard inquirer. 

To make things equitable in these scenarios with car dealerships, can the CFPB require an additional form to be signed by consumer giving authorization to conduct this practice. 

Can the above inquirers be deleted from my credit file it is extremely affecting my credit score? 

I greatly appreciate your assistance with this matter. 

XXXX XXXX XXXX-