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

Hello I am writing because I would like help in this situation. 

On XXXX XXXX, XXXX I took out an auto loan with XXXX XXXX Bank and the next thing I know I received a letter stating my loan was sold to Santander XXXX XXXX on XXXX XXXX, XXXX. 

I have been scammed by XXXX Dealership located XXXX XXXX XXXX XXXX XXXX, CT XXXX. First they sell me a XXXX XXXX XXXX rental car for {$37000.00} then they gave fraudulant income information to XXXX XXXX Bank. Then Santander buy the loan and charging me a cash selling price of {$22000.00} plus interest.every month at different rates. And I am confused as to how they can do this. 

When I signed the contract with XXXX XXXX Bank the total sale price is {$37000.00} which was all addition added to the sale of the car. Which is XXXX of the many reason I sued the dealership for their role in this unfair dealing with consumers. 

once my loan was sold and I became aware of the deceptive practices of the dealer i contacted Santander to make them aware of this scam we was in. I then requested all document containing to this loan transfer and asked What made them give me a loan. That is when I discovered XXXX gave them false information at that point I informed Santander of XXXX deception and demanded an investigation which never happen. But they did send me a retail contract and no other document showing my loan transfer information. 

At the time of my contact with Santander I was in the process of suing dealership so I was n't sure exactly how XXXX case was going to end. So once I won case against them I did not know at the time that finance loan companies are just as responsible for this happening to a XXXX mother of XXXX. 

Again, if XXXX XXXX Bank would have done the proper documentation they would have know that I am a mother of XXXX with no job collecting social security XXXX since XXXX. But they did n't which violate the True and Lending Act. If this company would have properly checked my credit they would not have offered me a loan for such a large amount. So I blame the auto loan company and dealership for this happening to me. I would have rather been denied a loan then to be in debt for over {$32000.00}. Due to these business violating there responsibility of the law. All I wanted and believed was they was being honest to me about the financing of the car. 

Then once santander took over loan a new set of problems came. meaning the high interest monthly. it did n't bring the total down i could n't get answers as to how they took over my loan. 

So at this point i feel like Santander, XXXX XXXX Bank and dealership are responsible for breaking laws against me. 

I think our contract was breach due to negligence on behalf of all companies named above. 
I just want to be put back in the same position before I met these companies. With no debt and little money.
Product: Credit card

On XX/XX/year> I received notification from Barlcays Bank NA that the terms of my credit card were being changed and my interest rate was being increased to my credit worthiness. I challenged the increase and was advised that bank could received approval from the Federal Reserve to increase the interest rate on MY account. Now I know this is false, as I'm pretty sure that the Federal Reserve does not review individual citizen 's credit history or account history.

Barclay 's Bank is basically lying to me and should be penalized for using the Federal Reserve as a scapegoat for their corporate greed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to remove my fraud alert and consumer statement, I have been unable to view my credit, a copy of my ID, social security and XXXX XXXX is attach. 
Please remove it permanently. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account with XXXX XXXX XXXX account # XXXX on my credit report that is invalid and I have filed a complaint against the debt collector for continuing to report an invalid account to my credit reports. XXXX has removed the collection, however XXXX and Equifax still show the accounts without regards to the accuracy. The debt collector has had 15 days to investigate my dispute, and they have asked for an additional 60 days to look into the dispute. Therefore, I demand that XXXX and Equifax remove this collection account from my credit report immediately.
Product: Debt collection

On XX/XX/ XXXX  I sent a debt validation letter to CREDENCE RM XXXX XXXX XXXX XXXX, XXXX, TX XXXX, Its been more than 30 days and they have not responded my request. ( letter attached ) I am distressed that CREDENCE RM have included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy. 

Re : Account # XXXX Please remove it from my credit report. I respectfully request to be provided proof of this alleged item, specifically the contract with me and your company CREDENCE RM, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all consumer reporting agencies who have received a copy within the last six months, Pursuant to 15 USC 1692c ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums. Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : XXXX XXXX Zero out the balance on this account Deletion from all consumer reports. 

Best Regards XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Our home was located in a natural disaster area for hurricane irma in XX/XX/XXXX. We filed for hurricane deferment and was approved for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On XX/XX/XXXX we sold the property.

We are attempting to purchase a new home and was told we are now showing 90days late for the time periods XX/XX/XXXX-XX/XX/XXXX. We contacted the Previous mortgage company and they insist they never submitted us being late and listed us as under deferment and ontime for payments. The credit agencies were contacted multiple times and they insist they are correct. We are going to be homeless in 15days due to the credit agencies not investigating correctly even thou they have copies of our payments being complete and ontime.
Product: Payday loan, title loan, or personal loan

To CFPB, Starting from XX/XX/XXXX as a point of reference to start from, I had noticed I had a few Voicemails and opened and listened to them. I had been out of the country from XX/XX/XXXX-XX/XX/XXXX so was not answering my phone for international phone calls. After listening to the Voicemails I realized it was Upstart who I hold a loan with. I called them and asked if there was a problem with my account. They indicated I had 3 late payments added to the last 3 months of payments. I was surprised and asked why, which I was told that I was late on all those payments. I recalled the past five months dates and amounts which my checks cleared on : XX/XX/XXXX - {$790.00}, XX/XX/XXXX - {$790.00}, XX/XX/XXXX {$790.00}, XX/XX/XXXX - {$790.00}, XX/XX/XXXX - {$790.00}. My grace period end date is the XXXX of each month which after late fees are assessed. 

The following is the information I received via email about the amounts I owed for the referenced months. 

XX/XX/XXXX payment : Notification Received on XX/XX/XXXX and monthly payment referenced {$790.00} XX/XX/XXXX payment : Notification Received on XX/XX/XXXX and monthly payment referenced {$790.00} XX/XX/XXXX payment : Notification Received on XX/XX/XXXX and monthly payment referenced {$790.00} XX/XX/XXXX payment : Notification Received on XX/XX/XXXX and monthly payment referenced {$790.00} XX/XX/XXXX payment : Notification Received on XX/XX/XXXX and monthly payment referenced {$790.00} In speaking wit Upstart and you can see above, for the month of XX/XX/XXXX my payment was mistakenly XXXX cents short ; Payment : {$790.00} vs owed {$790.00}. I accidentally made a mistake with the XXXX cent increase from my previous months payment, but then all the following payments you can see I over paid by XXXX cents each month. In all me email notifications about the upcoming payment, those payments never included any late fees in the notifications or added them to reflect my true amount due. I was under the impression I was always make the full amount payment, but in fact because XX/XX/XXXX payment was XXXX cents short, all my payments thereafter were first being applied to the late fee which was applied to the XXXX cent shortage on XX/XX/XXXX payment. Which then had my account never fully paid and another late fee charge to occur every month. If the mentioned emails are needed as evidence, I can provide. 

I have reached out to Upstart and spoke with them, but they are unwilling to take into consideration in the amount which started this whole fiasco of XXXX cents, and that I for multiple months after overpaid by XXXX cents. I am asking for all late fees to be waived ( 3 each in the amount of {$15.00}, totaling {$45.00} ). 

Thank for you time and effort.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian from XXXX until XXXX requesting to have information removed from my credit report due to unauthorized. Fraud, Or incorrect information I am a victim of XXXX  breach of data. So I am not sure what information has been breached regarding my identity or personal information. I found several major mistakes with unrecognized reporting, and name as well as addresses. I requested to have them removed from my credit. Instead of removing the information the credit bureau updated to my current information. And so information was stated updated but left the same under my report. I want Experian to completely remove the incorrect information as requested under the circumstances. I will attach documents showing what what done to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( Experian, XXXX, and XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. 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 : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to claim my annual free credit report from, XXXX, Transunion, and XXXX on annual credit report.com and after filling out my infomation it told me that It could not verify my identity and that i would have to mail my information to the po box of the bureau and I have not due to fear of the information i have aready lost and even greater fear that my identity may have been compromised I have tried to get my free report multiple times but to no avail.
Product: Checking or savings account

This is in reference to the dispute filed against XXXX XXXX  from XXXX On XX/XX/23 I was contacted by a local plumber service- that then quoted the amount & then I gave the gentleman my contact number were XXXX XXXXr XXXX XXXX This is who XXXX XXXX is! XXXX They quoted over the phone - also text messages from the picture attached. 
{$110.00} then the service call to be added {$63.00} a total of {$180.00}. 
I sat the appt upon arrival I was met with a gentlemen who gave me an XXXX which I signed for service. The quote was {$180.00} to repair a gasket around a basement pipe. I sat upstairs for the XXXX min until he repaired the service after the ladder arrived- his partner then ask for payment- I gave him my PNC debit card for payment of {$180.00} that I was quoted & at that time he said it was declined???? I then ask how much did he run it for bc at that current time there was {$390.00} in my account. 

He proceeded to tell me {$1000.00}!!!!!! I said no sir!! Are you insane- this was not approved or authorized- not to mention quoted. Basically when he swiped the card he took every DIME TO MY NAME bc the {$1000.00} wasn't in my account. So it took what I had which was {$390.00}! These XXXX can't even give you a tital bc they made it up!! They said {$390.00} bc if you will look that's what I had to take & all I had to take!!! 

This is a total scam & rip off! We then had words & I ask him to leave my home immediately- I placed a call to the police at that time- they finally left! Services not completed fully either!!!! 

I then called PNC where I was directed to call back after the charge post to my account which posted XX/XX/23! I went 2 days with no money due to this company!! 
I was given a provisional credit & told I would be emailed or mailed a letter to provide my side of the story & any evidence! Especially bc he lied about the total when arriving and singing then swiped my card for what they wanted to which WAS AM ENTIRELY DIFF AMOUNT and not what was promised & quoted!! 

I have been a customer for MANY MANY years WITH PNC! I have family that bank here bc we live all in the same community- I'm very disappointed I was done this way! I woke up Saturday XX/XX/23 to find {$270.00} was deducted from my account with no prior notices- emails- calls- mailed letters! ( Oh by the way the letter PNC mailed was in the mailbox that Saturday morning from PNC when you took the $!!! ) How terrible to do your loyal customer this way? I didn't get to provide any of my truths- evidence or side of the story on top of what I was promised! Just 3 months down the road PNC comes into my account & takes out the provisional credit that was given!!!!! Now Im overdrafted of {$270.00} now after you applied the other monies to the merchant! I have been with this bank 10 years - as well as my family and business associates!! Shame XXXX XXXX is a FRAUD & SCAM!
Product: Mortgage

I have a mortgage with U S Bank and went in to forbearance when covid hit. My wife and I were trying to be proactive instead of reactive. We were ready to come out after the three months that was agreed upon in XXXX but they extended it without permission for another three months. I called and asked how to cancel the forbearance and the story changes every time I called. First it was when you make a payment itll take you out, next it was we just need an email stating you want out, that was sent back in XXXX. Now I have over {$6000.00} in unallocated funds that obviously are not going toward my mortgage. They have just sent paperwork for me to sign and it was received by me in XXXX, but it states my first payment is due in XXXX of 2020! The amount owed for the forbearance is not accurate its off by about {$1000.00} and I do not understand how my payments have not been being applied to my account.
Product: Credit reporting or other personal consumer reports

I sent letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of 2023 requesting documented proof of the credit inquiries listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, clearly you dont understand how your breaking the law.. 

The dispute in question was sent out on XXXX today is XX/XX/XXXX. 

Your in clear violation of the FCRA because your initial dispute took more than 30days!!, I submitted this complaint on XXXX 

By law, because your investigation has to took longer than 30days. And is also about to go over the additional 15day window as stated in the FCRA.. 

Your breaking the law!, and demand that these items associated with my INITIAL dispute on XX/XX/XXXX. Be permanently removed from my credit profile.. period. 

Otherwise my next step will be to file formal complaint with the FTC, and seek legal counsel. Since youre blatantly refusing to follow the law. 

The attached file is in the 1st complaint I filed on XXXX 
Its CLEARLY shows the date it was mailed..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Accounts XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe several laws were broken under the FCRA by these companies and this has caused me financial injury as well as defamation and character. It is affecting me getting a job, applying for credit can't even get a XXXX loan especially during the Covid 19 pandemic.
Product: Debt collection

I never authorized this company to use my information nor any of my credit information to process a apartment application.
Product: Mortgage

We ( my wife and I ) are the victims of a Ponzi Scheme. We refinanced a mortgage in XX/XX/XXXX. My wife signed the note. I did not. The alleged Lender, XXXX XXXX XXXX XXXX, falsified our financial information, understated the finance charges by more than {$200000.00}, did not give us an accurate payment schedule, and also did not lend us any money. Another, non-disclosed financial entity seems to have funded the alleged transaction, but this entity was not licensed in Illinois to do so. 

On XX/XX/XXXX, we rescinded the transaction. We have a copy of the letter, proof of mailing, proof of delivery, and proof that we recorded the rescission in XX/XX/XXXX. 

To date, more than 3 years have passed, and all the parties involved have ignored the rescission, failed to pay us back, failed to remove all liens on our property, and have failed to do anything at all. 

They have continued to commit crimes in State Court by filing a Motion for Summary Judgement in XX/XX/XXXX, several years after they received the letter of rescission. We are still fighting Ocwen Loan Servicing, XXXX, as Trustee for XXXX XXXX XXXX XXXX, MERS, all their lawyers who are aiding and abetting, and XXXX XXXX. We need help. Your help. You state that you enforce the laws. These are felonies. 

They are time barred from collecting anything ( US Supreme Court in XXXX ; West Virginia Federal Court in XXXX XXXX XXXXXX/XX/XXXX XXXX ; Illinois Appellate Court in XXXX XXXX XXXX ). 

They refuse to stop. The Rule of Law does not exist in Illinois.
Product: Debt collection

On repeated occasions in late XXXX and early part of XX/XX/2019 legal representatives of Attorney law firm Cooling Winter ( http : //www.coolingwinter.comXXXX  ) come to my home looking to collect for XXXX XXXX which does not reside at said residence and to cease. I advised them this and they continued to harass my household. The last straw was when a XXXX XXXX XXXX or acting representative tormented via questioning attics and forced a child in my household to take legal documentation that does not pertain again to anyone in this household. I emailed them to not contact us via phone, mail, or in person anymore for a debt that is not ours and not abiding by legal guidelines in place for fair collecting debts. Recently I was told by one of my neighbors that they have been scouting the area. I need this to stop.
Product: Payday loan, title loan, or personal loan

I purchased a treadmill using Affirm financing. The treadmill purchased went through a recall and was returned to the company in XXXX of XXXX. The treadmill company sent Affirm the refund and the loan account XXXX was adjusted on XX/XX/2022. Affirm refunded {$1800.00} to a card I have on file. I was then told the remainder of the refund amount totaling {$1400.00} would be sent to me by check. This was on XX/XX/2022. They asked me to confirm my mailing address, which I did and they then informed me that I should have the check in XXXX business days. 

On XX/XX/2022 I reached back out to let them know that I had not yet received the check. I received the reply that stated After further review, I can see on XXXXyou were sent a refund check in the amount of {$1400.00}. At this time, we are working with our refunds team to locate and verify the status of this check. Once located, they have the ability to void it and issue a new check in the same amount to the address we have on file. 

On XX/XX/2022 I was told We received a response from our Customer Refunds team. They have voided the previous check of {$1400.00}. We are issuing you a new check. Please allow 7 to 10 days to receive this check. Our checks are sent via United States postal Service ( USPS ), so no tracking number is available, but I assure you we are getting your check to you as soon as possible. 

The date is now XX/XX/2022 and I have still not received this refund check to my mailing address on file that is confirmed to be accurate.
Product: Credit card or prepaid card

My card was closed by mistake Im trying to get it reopened and I didnt want it closed.. I just apply and was approved And Im asking the bank to reopen this credit card thank you so much
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 # XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX Account # 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 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: Credit reporting

loan XXXX score different and incorrect from personal XXXX score. Multiple requests for XXXX report and no responseregarding why. ref report # XXXXExperian report.