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

I am writing this complaint because I am not comfortable with the way I am being handled as a consumer and a Natural person. Per my request to Santander Consumer USA I advised them in writing that I was mislead and mistreated on the day I purchased my dream car with a out of state dealership. I notified Santander in writing and sent the notice by certified mail which was signed for ; expressing my concerns with their company. The contract took effect on XX/XX/2021 and I have been struggling with this complaint since! I spoke with a representative due to a returned XXXX on XX/XX/2021 a whole month later! She advised me that she was going to escalate my complaint to the executive office and someone will be in touch with me. I received a call today XX/XX/2021 by a person in the executive office which he asked me to restate my concerns that were in the letter. As I was already frustrated by speaking with the rep before him and already voicing my concerns and demands I went ahead and repeatedly advised him of the laws, violations and issues that I had with the company. The laws that Santander is in violation of is 15 USC 1662 Which states No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

( 2 ) that a specified down payment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges down payments in that amount. When this vehicle was advertised for sale there was no advertisement of a down payment, the down payment that was put down on the car was what the finance company forced me to place a down payment before taking possession of the vehicle. The rep advised me this was NOT against the law which is incorrect!

15 USC 1605 states that at the time of purchase a client 's liability insurance must be added in with the car price and finance charges, this did NOT take place either because I pay monthly for my car insurance which includes liability coverage and collision coverage which was required before I left the dealership with the vehicle I was purchasing.

At this point I am escalating this to CFPB due to illegal practices with this company and since a right to rescind was also not provided to me in writing or verbally I am demanding this contract to be null and void.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS AND TO FILL OUT FRAUDULENT APPLICATIONS ( INQUIRES ) IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX XXXX. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

Requested statements for both accounts under PROCOLLECT. Called procollect and the refused to provide the statements to me and kept asking me to pay. I requested statement emailed or mailed to me and they declined both. I also asked for emailed or mailed account # s for mine and also refused that. They did verbally provide me the account numbers. XXXX is XXXX. XXXX is XXXX. I need a copy of both statements please for both accounts under procollect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these unauthorized inquiries on my report with each credit bureau. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I've been trying to get my bank to let me transfer money out of my account and it won't let me do squats it's getting really agitated not being able to do what I need to do with my own account
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to buy a car and Left my wallet at the dealership and came back and got it from lost and found, to my surprise when i checked my credit i saw all of these Fraudulent inquiries on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, did not modify or removed anything.

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how Equifax violated my rights. 

Never missed a payments : 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: Debt collection

The amount this company is reporting on my credit report is wrong and incorrect.
Product: Money transfer, virtual currency, or money service

today i went to cash a XXXX  money order at wellfargo and they refused to cash it even doe it says payable through wells fargo on the money order the money order is 100 legitimate. so why did they not honor it, me.? you guys do nothing for idenity theft victims. when they ran ny name it flaged the transactions. you guys know dang well what your doing. how can you fight system wide discremination?? laugh it up because the meek shall inherit the earth. the last shall be first so laugh it up while u can because you know ur time is short.. hope the breif pierod of excess and debauchery ur enjoying now is worth it when you lose the love of the 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: Mortgage

Sold the house on XXXX with escrow balance approximately {$1900.00}. 
Mortgage company said they would send balance of escrow by check within 30 to 60 days. It will be four months on XXXX and still haven't received anything. Mortgage customer service continues to say wait for the check. Why is it taking so long?
Product: Mortgage

( Please reference these case numbers ; XXXX,XXXX,XXXX ). 

On XX/XX/XXXX we contacted XXXX XXXX, a point of contact through Wells Fargo requesting a copy of our amorterzation schedule. We have been paying our trial payments since XX/XX/XXXX. They have made promises to get us information, but then with hold it. 
If Wells Fargo ca n't tell us what is in our modification how can we as troubled borrowers feel we are getting a fair process to avoid foreclosure at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a letter on XXXX and sent it on XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TransUnion tracking # XXXX requesting the deletion of the account based on inaccurate information. The payment history is completely inaccurate and the bank deleted or wrongfully reported information to prevent deletion and prolong the account on my credit report. I missed a few payments in XXXX and did a payment of {$640.00} on XXXX to cover part of the amount due at the time. The bank did not report any payment for XXXX or XXXX to prolong this account on my credit report and prevent deletion. Now, I provide evidence of payments that were not reported.
Product: Debt collection

I call the company convergentusa on XX/XX/XXXX to paid my account whit   XXXX, and the real balance was {$620.00} and the company give me opportunities to paid this account for {$250.00} I pay the account for that amount but they process twice the payment for {$250.00}. and I call them I spoke whit XXXX XXXX for this issue but they never give me my money back and every day I call they give me a excuse and never return my money.
Product: Student loan

As part of the XXXX administration student loan debt relief program, borrowers are entitled to a refund of payments made during the COVID forbearence period. Borrowers were entitled to ask for a specified dollar refund amount or 100 % of their payments. 

During the COVID Pandemic I continued to pay for student debt to a total of {$19000.00}. On XX/XX/22 I requested my student loan servicer Nelnet to process a refund of only {$6000.00} in order to maximize XXXX 's {$10000.00} student debt relief plan. 

Nelnet by accident refunded the total of {$19000.00} by mistake and added that debt back to my remaining balance of {$4000.00} to equal {$23000.00}. This error exposes to me a higher principal and therefore higher interest if I do not receive the refunds by repayment period. 

On XX/XX/22, I discovered this error and requested Nelnet to back out their error, but they stated that although it was their mistake they couldn't back out the error. I asked for documentation of my past payments and accounting to document the error and they refused to provide me any documentation related to my financial information. I explained that due to their error, I now am exposed to higher payments and interest and that this is against the law and unfair lending practices. I also asked for documentation and tracking of where my incorrect refund of {$19000.00} vs {$6000.00} is and they stated they do not know. 

Being that Nelnet is one of the nation 's largest student loan servicers, all of their lenders were exposed to this internal glitch they recognized, but not willing to fix. This is unfair lending and needs to be addressed.
Product: Student loan

My grievance is with the loan servicer Mohela. I should be at XXXX payments of my loans this month ( XX/XX/2023 ), however I was placed in a random forced forbearance in beginning of XXXX. I waited on hold for XXXX XXXX hours to get the forbearance lifted. I was told that my XXXX payment ( already paid ) would retroactively count towards XXXX despite their mess up. XXXX forbearance was lifted. XXXX weeks after that I got a email stating that I missed my XXXX payment. I signed back in to find that Im again in forbearance until XX/XX/. My XXXX  count still shows only XXXX out of XXXX, but now also shows XXXX ineligible payment ( my XXXX payment ). I did not receive any letter, stating that interest does not accrue during this current forbearance, or that it will count towards XXXX. I actually got a letter stating that interest will continue to accrue during this time of forbearance, not mentioning anything about XXXX. It is almost impossible to get anyone who can actually help on the phone for XXXX reasons ; XXXX. It takes hours of holding to actually get anyone on the phone, and XXXX. Once they answer they are generally training so do not know how to help you. This is too time consuming for someone with a full time job. Irritatingly, different people you talk to give you different answers for the same question.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I an distressed that you have included the information below on my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure the bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.The following information therefore needs to be re-investigated. 

According to the Fair Credit Reporting Act, 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed document contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original customer contract with my signature in it ) that you have on file for the accounts listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be removed immediately. 

XXXX. XXXX  XX/XX/XXXX Delete this item immediately I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX Delete this immediately I have no knowledge of this alleged debt. This account is not mine XXXX. XXXX XXXX XX/XX/XXXX Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681 i ( 5 ) this account is in violation and is not reporting 100 percent accurate. 
XXXX. XXXX XXXX XX/XX/XXXX This charge off needs to be deleted for inaccuracy because it reports a current balance should be XXXX. The IRS defines a charge off as income under IRS tax form 1099-c and income can not report on a consumer report. 
XXXX. XXXX XXXX XX/XX/XXXX Delete this immediately I have no knowledge of this alleged debt. This account is not mine XXXX. XXXX XXXX XXXX  XX/XX/XXXX I have no knowledge of this alleged debt. This account not mine Delete this immediately If these accounts are not deleted off of my account Your non- compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Product: Debt collection

I desperately need some help with resolving the situation st hand. I disputed these unknown accounts to the collection 's agency also the credit bureaus both are willfully of disobeying the law by currently reporting incorrect, and misleading information after several attempts, i received only verification of balances nothing was 100 % validate therefore im requesting that the CFPB enforces my rights by law.
Product: Debt collection

This debt collector has the wrong information. Under 15 U.S.C. 1692c of the Fair Debt Collection Practices Act ( FDCPA ), you are prohibited from using threats, harassment, or other unlawful tactics to collect a debt. Your recent communications violate my rights under this law. 

Additionally, since there are not licensed in Georgia, they can't come after me, federal and state regulations regarding debt collection practices. Their threats are not only unethical but also illegal, and I kindly ask that you report then so they can can stop any unlawful collection efforts and stop damaging my credit.
Product: Credit reporting or other personal consumer reports

PLEASE UPDATE LATE PAYMENT TO PAID ON TIME OR AS AGREED. 

15 USC 1666B please see attached document
Product: Checking or savings account

My Buisness Account got suspended 3 months ago for no reason ( " violating the AUP '' ), freezing a balance of about XXXX. 
They claim it will be hold for 180 days and probably deduct some. 
XXXX from any review I've read on the matter, I have no reason to believe PayPal will ever give me back my funds and or my account, without legal help. 

PayPal never bothered to ever send a notification nor did they provide an explanation of why they did so. I never even had the chance to defend myself or try to prove my innocence. 
Every time I try to confront them they just dodge the case, replying with automated messages and sending me from one agent to the next. 

I've been on PayPal for 10 years, and neither I've ever acted against it's rules nor is my buisness Illigal
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX for their failure to adequately validate and verify an account listed on my credit report. This complaint concerns violations of my rights under the Fair Credit Reporting Act ( FCRA ). The details of the account in question are as follows : XXXX XXXX XXXX XXXX : {$380.00}
Product: Credit reporting or other personal consumer reports

I am reaching out to express my concerns regarding multiple issues I have encountered with the credit bureau. These include incorrect account listings, unauthorized inquiries, inaccurate credit reporting, and billing errors.
Product: Credit card or prepaid card

I have had a QVC Q card for a couple of years now. I make my payments. I have never missed a payment. Each billing cycle QVC lowers my credit limit to be BELOW my statement balance. As a result, I am perpetually reported to the credit bureaus as utilizing more than 100 % of my available balance which hurts my credit score. I am always shown in the negative when I am not. 

This is completely intentional on QVC 's part and dramatically hurts me as a consumer. I have abided by my side of the credit card terms by making all my payments. This is a trick designed to hurt my credit.
Product: Credit card or prepaid card

I received a credit card from XXXX I never applied for. I shredded it. Today I recieved the credit card statement with XXXX balance but a XXXX credit limit. It is a XXXX. XXXX. I NEVER applied for this card.
Product: Payday loan, title loan, personal loan, or advance loan

I receive a 2024 Economic Relief FOR AFFECTED GEORGIA FAMILIES in the mail. I initially though it was a Government loan to help people affected by COVID. I then call and spoke with XXXX XXXX that said it was a hardship Loan and he would help me find a great loan company with a low interest rate. I thought it was XXXX XXXX XXXX  but call the representative XXXX XXXX after signing the contract stated it was a loan from Best Egg with a Low interest rate. XXXX XXXX then told me after I had signed the Loan papers that I owe him a XXXX finder fee in addition to the fee that Best Egg charge for implementing the loan of XXXX for a XXXX dollar loan. I immediately contact the XXXX  they said they have no record for XXXX XXXX. I did not pay the Finder Fee and I do Have the finder from the XXXX. I feel the three companies are together in a scam to take advantage of Georgia residents. I have been paying Best Egg over XXXX on a loan which has change the balance to reflect more than I receive after paying 3 months on the loan. I only received XXXX i have paid the out of my checking account over XXXX and the Balance is XXXX impossible. I have all these documents to prove I am a victim of this Scam
Product: Credit reporting, credit repair services, or other personal consumer reports

- XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XX/XX/XXXX I have recently been informed that there is negative information reported by Self Finicial Lead BankIn the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing as an active account and that the balance I owe is {$48.00} reported XXXX XXXX I challenge the accuracy, compliance and reportability of this account. 

Please validate this information with Self Finicial Lead Bank and provide me with copies of any documentation associated with this account, bearing my signature.In the absence of any such documentation Bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 Days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Product: Mortgage

They get the payment every month but adjusted with other monthly payment this thing is going on for few year
Product: Credit reporting or other personal consumer reports

request that the following accounts that appear on my credit report be deleted since they are damaging my credit score. 

AXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent Equifax a dispute via USPS certified mail regarding three accounts listed on my credit report from XXXX XXXX, XXXX XXXX and XXXX XXXX .I asked Equifax to investigate these alleged accounts and to provide any and all documentation they have showing the accuracy of these accounts and that these accounts belong to me in accordance with section 611 of the FCRA. Equifax replied with a generic response that they " Verified '' these accounts yet failed to produce any documentation showing how they verified them. 

Again on XX/XX/2019 I sent Equifax a letter via USPS certified mail demanding their method of verification for these alleged accounts in accordance with section 611 ( a ) ( 7 ) of the FCRA giving Equifax 15 days as required by Federal law with no response from Equifax within the 15 day period. 

once again on XX/XX/2019 I sent Equifax a letter via certified mail for failure to respond in the 15 day period as well as failure to verify the alleged accounts. It was not until XX/XX/2019 that i received yet another generic letter bearing no account level documentation or any other method of verification stating that they " verified '' these accounts. 
It is clear to me that Equifax has failed to conduct any kind of investigation into this matter other than parroting information, also XXXX is not an acceptable means of investigation and as a consumer I entitled under the FCRA to a fair investigation. 

Equifax is now in violation of section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) for failure to provide me any copies of an original documents or consumer contract bearing my signature.Equifax is also in clear violation of Section 611 ( a ) ( 7 ) for failure to provide method of verification as well as federal law for failure to respond in 15 days.

Under the FCRA Equifax can be sued for {$1000.00} per violation of and will also be responsible for court costs and damages. 
Please see the information i have uploaded as proof of my claim