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

I voluntarily had my XXXX XXXX XXXX XXXX  ( VIN : XXXX ), purchased in XXXX, repossessed in XXXX due to the global pandemic of COVID-19 and I was unable to pay my monthly payments due to unemployment during this time. I was residing in California during this time. 

I settled the account on XX/XX/XXXX. Before purchasing the vehicle, the associate working with me at XXXX in XXXX, California XXXXXXXX XXXX me. He then proceeded to track me down on social media and texted me multiple times after I purchased the vehicle. During the process of the purchase, I felt I had no choice but to agree to the ridiculous interest rate terms, even though I was extremely uncomfortable. He knew I could not afford this vehicle and pushed me to do it anyway. 

Aside from this, Santander Consumer recently settled a {$550.00} XXXX lawsuit due to the negligence of their clients. 

" Santander Bank has reached a {$550.00} XXXX dollar settlement with XXXX states to settle predatory loan charges to low-income and subprime customers. XXXX XXXX XXXX XXXX XXXX I have requested many times that Santander Consumer remove the repossession/delete the account completely off my credit reports due to their negligence, but also because I paid off this account and did my due diligence because I voluntarily had this car repossessed during a global pandemic. 

This would've never happened under normal circumstances. Please resolve this matter by removing this voluntary repossession from ALL of my credit reports and completely deleting the account from ALL of my credit reports.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a mortgage loan from XXXX with {$0.00} balance, collection/charge off from XXXX XXXX XXXX XXXX with a balance of {$140.00}, and credit cards from XXXX XXXX XXXX with a balance of {$10000.00}, XXXX XXXX XXXXXXXX with a balance of {$1600.00}, and Citicards with a balance of {$8600.00}, Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX Delaware XXXX XX/XX/XXXX. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

This is a follow-up to Complaint ID # XXXX with Portfolio Recovery Associates , LLC XXXX In today 's mail ( XX/XX/22 ) I received XXXX letters. They pertain to the accounts ending in XXXX and XXXX. Two of the letters state, " In our previous letter to you ( What " previous '' letter are they referencing? ) we requested that you send our company additional information pertaining to the account referenced above so that the Disputes Department could complete the investigation of the alleged dispute. To date, we have not received this information and can not complete the investigation. Since we have not received this information we are terminating the disputes investigation pertaining to this account. '' So, once again XXXX is being manipulative and making false statements. I have already emailed them to the email address provided to me by the representative that I spoke to with the screenshots, with the information on the letter received from XXXX XXXX and with screenshots of chat conversations. In addition, those same screenshots were attached to the original complaint filed above. They also have the recorded conversation had with their representative, as they advised me that it was recorded on their end. In addition, the amounts on the letters acknowledge NO settlement now. 

They also have record of the chat conversations and the multiple screenshots I sent of the settlement balance in my account before they inflated it. 

In addition, this morning they again removed the account XXXX from online access so it could not be paid. 

Once again, the resolution to this is to simply honor the settlement amounts agreed to, which is {$440.00} for the account ending in XXXX and {$410.00} for the account ending in XXXX and I will pay them as soon as the accounts are again made accessible. 

The extremes to which XXXX is going through to make making payments as difficult as possible is absurd and stressful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card- last reported on XX/XX/XXXX {$2100.00} first opened XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 

Bank XXXX XXXX last reported on XX/XX/XXXX {$2000.00} XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 

XXXX bank - opened XX/XX/XXXX $ XXXX reported it to the credit XXXX XXXX fraud XXXX XXXX - last reported on apr XXXX {$450.00} opened XX/XX/XXXX i opened the card but the card was stolen didnt notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud. 
XXXX Bank XXXX XXXX, XXXX {$7100.00} XX/XX/XXXX opened this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 

XXXX XXXX {$7100.00} XX/XX/XXXX opened XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 

XXXX XXXX " XXXX XXXX XXXX XXXX reported XX/XX/XXXX {$550.00} opened XX/XX/XXXX this account i never opened and i called up the credit burrow, and XXXX and XXXX them to take it off and told and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. 
XXXX XXXX " XXXX XXXX XXXX last reported XX/XX/XXXX {$410.00} opened XX/XX/XXXX i opened the card but the card was stolen didn't notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud.
Product: Checking or savings account

Hello this is XXXX XXXX XXXX XXXX XXXX XXXX again I sure hope that everything that I told you you're finding out is the XXXX 's honest truth okay cuz the bank still has been lying to me I was just wondering when you guys were going to be able to wrap this up and refund my money any questions call me XXXX thank you
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These hard inquiries are the results of identity theft and fraud.
Product: Mortgage

I received a loan to build a spec home in XXXX, XXXX. During construction Lincoln Capital allowed my Realtor XXXX XXXX and the buyers Realtor XXXX XXXX to authorize payments to contract friends of theirs without my consent or knowledge. Any time I spoke up I was pressure by Agents of Lincoln in concert with the Realtors to agreed to terms that weren't part of the contract and threatened to take the house if I didn't agree. I have several recordings with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX where all of these allegations hold true. Furthermore, after the first closing fell through Lincoln hit me with a XXXX fee for an extension I didn't sign, wouldn't compensate a contractor who check I had to return and they added fees for appraisals and other items that were previously the responsibility of the buyers. On top of all this egregious conduct was the fact that they illegally altered the payoffs for my loan in order to escrow funds for the buyers without my consent ( This is also on the recording ) This closing was set to happen on XX/XX/year> and my name is XXXX XXXX. Lincoln is a small company so they will know who this is and I'm preparing a lawsuit against them anyways so I'm not worried. Lastly, Lincoln Capital and a lot of this evidence is already part of a pending lawsuit that's went all the way up to the Supreme Court XXXX and XXXX in the XXXX XXXX XXXX XXXX XXXX 

Sincerely, XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX I received an email from USAA which I still have that says they were going to give me a restitution payment in the amount of {$180.00} due to mishandled requests for disputing payments between XX/XX/XXXX and XX/XX/XXXX. 

Today is XX/XX/XXXX. I have still not received my payment. They continue to give no reason for the delay and even stated they have paid other members this already. My next step is to take them to small claims court. 

If you would be so kind, I see in the news CFPB required USAA to pay this. Please ensure they do what you told them, as they are just being a bunch of cheap liars as far as I'm concerned and will be switching banks shortly after receiving my very delayed restitution payment.
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item i am asking you to verify as accurate. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX  hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letters against the Credit Bureaus requesting that the Credit Bureuas correct my Credit File from erroneous information by updating, correcting, and removing the misleading information beinf reported on my Credit File. I have read that under the Fair Credit reporting Act, 15USC sections 1581i, the Credit Reporting Agencies are obliged to conduct and finish their investigation within 30 days, the time allowed by XXXX, or otherwise, the Credit Bureaus will be subject to investigation. On XX/XX/2022, I sent another Dispute letter to the Credit Bureaus requesting them to either correct or remove he erroneous accounts reporting on my credit file. As of now, I am submitting this CFPB complaint to remind the Credit Bureuas of my disputes and requests. Once again, I need the following erroneous accounts corrected and or removed from my Credit File as soon as possible : XXXX XXXX XXXXXXXX Balance Owed : {$700.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX  XXXX XXXX Owed : {$22.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Vehicle loan or lease

My lease with US Bank, XXXX XXXX, ended in XX/XX/XXXX. I elected to purchase the vehicle. I purchased the vehicle in XX/XX/XXXX using a separate lender. Each year, I was invoiced for property taxes on the leased vehicle ( XXXX XXXX XXXX XXXX ) and each year, I promptly paid the property tax bill. The bill I paid on XX/XX/XXXX for property taxes paid by the lessor ( US Bank ) was in the amount of {$740.00}. After purchasing the vehicle, I began to receive harassing phone calls from US Bank claiming I owed the {$740.00} in property taxes. I have spent hours and hours on the phone with multiple employees of US Bank and here is what I have been told : ( 1 ) my XX/XX/XXXX was mis-coded by a US Bank employee ( 2 ) US Bank blindly pays all invoices and US Bank mistakenly paid my property taxes 2 times ( i.e. US Bank decided to pay the State of MIssouri for my property taxes twice, ( 3 ) US Bank believes I should pay them for their mistake of paying a property tax bill twice but not to worry because next year I will likely get reimbursed when they " go through their audits. '' These actions are so egregious I feel I have no choice but to seek resolution through the CFPB.
Product: Credit card

I am writing to address the matter concerning an account ending in XXXX, for which Synchrony Bank claims I owe {$1700.00}. I hereby formally dispute the entire amount of {$1700.00} due to the violation of my consumer rights, specifically the misinformation and misrepresentation of information related to the balance owed and the promotional end date. These actions were undertaken with the intent to lure me as a consumer and transition the account into a predatory lending status, to maximize their financial gain from me as a consumer to terms that they manipulated to provide. 

I request the removal of the aforementioned amount and consider it paid in full, without any derogatory comments. This request is based on the fact that the promotional end date was not comprehensively provided to me upon the request of my XX/XX/XXXX statement, hindering my ability to be comprehensively informed to make a full payment. The attached statement, obtained from Synchrony Bank when I requested my XX/XX/XXXX statement, highlights several instances of incorrect information and misinformation provided by the bank : 1. Synchrony Bank incorrectly acknowledged my request for a XXXX billing statement instead of the requested XX/XX/XXXX statement 2. Synchrony Bank claimed an inability to provide a statement for the specified period 3. Synchrony Bank falsely stated that my account had a XXXX balance and no statement was generated during that time The aforementioned errors, misinformation, and misrepresentation of my account 's status form the basis for my dispute and request for corrective action. 
Key points of contention include : XX/XX/XXXX : The month of account initiation, where the statement should have reflected the full initial purchase amount of {$2000.00} further proven SyncBank misinformation XX/XX/XXXX Statement Request : Synchrony Bank failed to provide the requested statement, hindering me from being fully informed about the promotional balance due by XX/XX/XXXX ; this not only hindered my process to pay but it delayed the process and pushed the date past its due date as I requested a second time XXXX Balance and No Statement : Misleadingly indicated a XXXX balance, creating a false impression of no outstanding balance due what-so-ever The manipulation and misrepresentation of my account have caused significant distress. Despite my efforts to obtain accurate information, Synchrony Bank has failed to cooperate, violating my consumer rights under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and relevant state laws.
Product: Student loan

I borrowed from sallie mae XXXX times XXXX in XXXX and another in XXXX and XXXX totaling XXXX. I was taking classes to become a XXXX but because of my ongoing health issues it was difficult for me to stay in school consistently, having XXXX XXXX and taking XXXX XXXX medications throughout this time I have still not completed school but have become XXXX but only making enough income to survive. Refusing to get onto social security income, my income is still limited. I am a mother and take care of my child with my income. This debt is XXXX years old but still remains on my credit report and although I borrowed XXXX total, it shows as XXXX on my credit report. XXXX XXXX is not the one calling and harassing me but another company, they have threatened jail time as well as putting a lien on my property, but I have no property so I am not sure if they are talking about my car which I am assuming they are. I have sat on the phone with them with tears in my eyes trying to explain that I have no way to pay, they then state that I am refusing to pay and, what kind of person gets a loan with no intention to pay. I did intend to pay this debt back, I thought that I would be healthy enough to finish school and have a financial stress free life, well I am not financial well off but I am still a happy person that is until I have negative people calling me at times that I asked them not to call and disrupting my business while accusing me of being a low life. I did not even know that they could do that. I would never recommend sallie mae to anyone based solely on the fact that they sell there debts to the worse people ever. They will not stop calling me. and are very evil people. I have learned to try and avoid them but they call over and over if I dont answer the phone and willl even call from blocked numbers if I dont answer the phone.
Product: Credit card or prepaid card

Six fraudulent credit card applications were being processed by Bank Of America using my Name, Date of Birth and Social Security. They were stopped only because I have a freeze on all of my credit agencies. However I consider myself a victim of identity theft as all of my important information is being used against my will. 

One of the addresses that a credit card was being sent to is XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Radius Debt Collection reached out to me from complaint XXXX. In their communications they do not give a mini-Miranda and claim even though they are a debt collector that they do not have to say This is an attempt to collect a debt, any information obtained may be used for that purpose I have attached a copy of their letter and I find them to be dishonest in their conduct. I am requesting that you please reinvestigate them for improper conduct under The Fair Debt Collections Practices Act and with CFPB standards and Practices. 

They also say that this item is in litigation to the CFPB/FTC when it is not. No lawsuit has been filed at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion to remove fradulent inquries on my account and they failed to help me. Here are the names of the inquries that are fraudulent and should not be in my credit report XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX  Finance other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Bank account or service

To whom it may concern, Our family checking account at Citizens Bank was rubbed for {$26000.00}. 
Some person cashed out fraudulent check at some bank in Connecticut and Citizens Bank authorized transaction. Citizens Bank cleared fraudulent check without our signature and let some XXXX receive {$26000.00}. This check does n't have XXXX names in upper left corner ( only XXXX ) as it suppose to have, does n't have our signature and signed on back side by XXXX XXXX. We do n't know what is this XXXX XXXX and how this transaction possibly allowed by Citizens Bank. We have filed complain at Citizens Bank Claim Department. But more than two weeks after it happened we can not get clear answer why this transaction allowed to happen in first place when our case will be resolved and we will be able to get our money back. 
We hope some one can help us to resolve this issue, so far it feels like no one in Citizens bank willing to do it. We are about to loose our trust to banks. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Citizens Bank Account No : XXXX Claim No : XXXX Amount claimed {$26000.00}
Product: Checking or savings account

On XXXX XXXX, XXXX my spouse went to withdraw money from our checking account at Chase. Upon doing so, it was discovered that most of our money had been depleted from bot our checking and savings account. My spouse immediately went into the bank and notified them that 2 unauthorized transactions had occurred on our account. One was to XXXX XXXX in the amount of XXXX and the other was to XXXX XXXX in the amount of XXXX. The bank was informed that we do not have accounts with either of these companies and did not make payments to either of them. 
On XXXX/XXXX/XXXX, Chase granted us a temporary credit of XXXX while they researched our disputed claim. On XXXX/XXXX/XXXX, I was informed that they had researched our claim and that since the payment was made from our IP address, that they would be reversing the credit. Since I do not have accounts with either of these companies, I asked if they had disputed the charges with them. I was told that I had to dispute the charges myself. I attempted to dispute the charges with both XXXX XXXX and XXXX XXXX, but neither company can assist me without account numbers. Since, I do not have accounts with them, how can I dispute charges with out an account number. I am trying to get this information from Chase, but have not been successful!
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transaction settled with insufficient funds despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

XXXX : XXXX XXXX Original Charge Off Amount : {$1100.00} Closure Status : XXXX XXXX XXXX Closure Status Date : XX/XX/year> Finally, you are reporting the INQUIRIES that are the result of the same type fraudulent activities. I must be noted that I did not apply for credit accounts with the below listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. 
Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.