23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

we applied at the request from our current mortgage finance company, jp morganchasebank ( this was a snail mail request on or about XXXX/XXXX/XXXX ) ... we were instructed to contact XXXX, mortgage broker for jpchase XXXX/XXXX/XXXX : the requests for financial information reached XXXX pages over a period of time from about XXXX/XXXX/XXXX to XXXX/XXXX/XXXX .. we have a perfect credit rating,,, we have had a chase mortgage for about XXXX years that had no problem with our payments which were always on time ... when we finally asked, after 4 months of reasks what our financial goal was we were denied any further access re additional information ... we were stonewallded by that banker XXXX ... without any response to what we were required to prove on XXXX/XXXX/XXXX we were summarily dismissed from the application process with NO reason except we had no sufficient income ... we asked what that income had to be to assure the new loan ... we queried what that had to be and were totally denied ... we then went to managers and threatened various counter actions ... ok so now what????
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the REMOVING of the erroneous information which is being posted to my report. 
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 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 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 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

On XXXX XXXX 19 I made a payment to NewRez ( aka XXXX XXXX aka Shellpoint Mortgage Servicing ) in order to make up an escrow shortage of {$540.00}. This was supposed to lower my monthly payment to {$1600.00} per month. I noted, on the check, this payment was for escrow. NewRez received my payment on XXXX XXXX 19.  Although NewRez received the funds they did not apply it to correct the escrow shortage, resulting in a higher overall monthly payment. NewRez misapplied my payment as a partial payment. I have called at least three times since XX/XX/XXXX to resolve this. Each time I have been promised the error would be corrected. As of XXXX XXXX 19 this issue is not resolved. The mortgage was recently sold to XXXX XXXX ( aka NewRez ) and I am in the allotted grace period for punitive actions.
Product: Vehicle loan or lease

My payment history is 100 % PERFECT and Santander Consumer USA " can't '' remove 1 late mark in result of Covid-19. I was told I could pay later in XXXX, & they wouldn't report me late. I believed them. Now, there's a late mark on my credit report from Santander. 

Santander needs to delete this as I signed an Extension Agreement to cover this billing cycle : XX/XX/2020 & XX/XX/2020. My loan has been extended, delete the late mark. What do they gain from damaging my credit with a late mark? 

What I'm asking for is very simple yet they make it difficult. 

We were all quarantined without income. I spoke to them before paying late. I signed a payment extension. The extension covers the late mark month. I spoke to the executive offices who didn't lift a finger even with all their capabilities. A family member passed due to Covid-19. I live in the Epicenter of this disease and they can care less. 

In addition, Santander sent me a letter stating they are waiving customers late fees while they billed me a late fee for XXXX and never waived it. Meaning it's all talk and lies. 

If you search " Santander Covid '' in CFPB searches you will find 20+ cases where you can clearly view Santander Consumer USA doesn't care about helping those impacted by Covid-19. They are billing clients fees during these times and reporting them late to the bureau 's. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Here are other claims from clients in the same situation as I : Claim XXXX : Due to Covid -19 I asked my auto lender SANTANDER CONSUMER USA for a 2 month reprieve from monthly payments ( XXXX & XXXX XXXX as I was just laid off. Payments were to begin XXXX. SANTANDER CONSUMER USA made the arrangements and stated to me that my account was on hold for the following 2 months. I noticed a late payment date of XXXX for my SANTANDER CONSUMER USA loan. SANTANDER CONSUMER USA refuses to remove the incorrect late that they placed on all XXXX of my credit bureau profiles. 

Claim XXXX : I spoke with at XXXX specifically stated that my account would not be in jeopardy, that I was eligible to defer a payment and that no lates would be reported to the bureaus. The representative with XXXX misled me and unfortunately the deferred payment I was told I was eligible for did in fact report negatively on my credit report as a late. I have tried to get back in touch with XXXX as well as contacting the bureaus to remove this late however, I have not been successful. This false reporting of a late is seriously harming my credit score and this late needs to be removed from my credit report. 

Claim XXXX : Received an extension from XXXX XXXX  due to COVID 19, yet they went ahead and reported the 30days late to all three bureaus, which they acknowledge that it was their error yet they refuse to contact the bureaus to correct the error which could possibly impact my loan that I'm wait to receive. 

The interesting thing about this is Santander Consumer USA has the power to make this right by at least removing those Covid-19 related late marks.
Product: Checking or savings account

On XX/XX/2021, I made an online purchase for {$1900.00}. This transaction was for merchandise that was supposed to be delivered to me with a signature confirmation and I have not received any merchandise from the merchant. I've attempted to contact the merchant and the merchant will not respond by phone or email. I was expecting it by XX/XX/2021 at the latest. 
The merchant has not given me any information regarding the status of the order, will not return my calls or emails and intend to run off with my money. 
I opened a claim with Wells Fargo and was issued a temporary credit on XX/XX/2021. 
On XX/XX/2021, I received a letter from Wells Fargo stating " based on the information you provided and additional information from the merchant, we found the charges were made by you or someone who had your permission. The {$1900.00} temporarily credited to your account ending in ___ will be reversed in 10 business days from the date of this letter. '' The merchant refused to contact me but responded to the claim with an electronic signature as " proof '' of delivery. I never received the merchandise nor signed for anything and yet this claim has been closed.
Product: Debt collection

On XX/XX/XXXX XXXX XXXX XXXX attempted to call my phone approximately 25 times in a 1 minute period. The next day they attempted to call me over 60 times in a one minute period. I asked them to stop this practice. As of XX/XX/XXXX they began this practice once again by calling my phone approximately 25 times in a one minute period. They also called me again on the XXXX 25 times in a minute period.
Product: Debt collection

This company has falsely reported this acct as new of this year which is false representation! I have been with XXXX for my cellular/phone services for the past 3 years! I do not or have not opened an acct with XXXX  I have not been contacted by this company showing any ownership of an acct with T-Mobile! This is fraud!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block and remove 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 auto loan that has been CLOSED at ( XXXX XXXXXXXX XXXX XXXX  ), three accounts in collection/ closed account with ( XXXX XXXX XXXX XXXX, a cable/utility account at ( XXXX XXXX ) and ( XXXX XXXX ). These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or closed accounts. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report 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 INFORMATION HAS BEEN REPORTED.
Product: Checking or savings account

We paid for a shuttle service in Florida on XX/XX/2020 using their website XXXX https : //XX/XX/XXXX for {$91.00} ). The next day our cruise was cancelled so we contacted the shuttle service to cancel the shuttle. No answer to the phone number, no answer to email and no return calls. We attempted several times in two weeks to cancel and they never responded. I contacted Ally Bank to dispute the charge. Ally told me it would take 90 days to investigate and had me fill out paperwork. Non of the scenarios on the paperwork fit the description of the problem. I called to ask for help and the dispute team told me to find the one that fits the closest and fill out that section. So I chose " that the service was not provided. '' After 90 days Ally Bank told me their investigation was complete and that the charge was correct and I had used the service. 
Well that is simply not true so I opened new dispute which they closed within a week with the same result. I asked to speak with someone in the dispute department to explain the problem and was told that I am not allowed to speak with that department. I sent an email trying to explain the problem and a reply email told me someone would be calling me on the phone. No one ever called and now I have a letter ( Dated XX/XX/2020 ) in the mail telling me the dispute is closed, the charge was authorized and the time frame to recover funds is now past. I reported this problem to Ally Bank 30 days after the transaction after I had mad multiple attempts to contact the merchant. Ally bank had plenty of time to investigate and correct this transaction. I have opened three disputes with Ally Bank and no one has contacted me to discuss the problem bu they have all been closed.
Product: Checking or savings account

Opened the checking account on XX/XX/year> and I had received my tax refund check and made the deposit on the mobile app on XX/XX/XXXX of XXXX and check was initiated the funds of {$5500.00} and than was told the account been closed and they need to verify where the money had come from clearly states its a governmental check and its to my name and with all that I still provided them with my tax filing and tax transcript statement and the check been cleared so not sure what theyre investigating when they have they have close my account and theyre holding onto my money for no reason when the check has been cleared and what are you investigating when the all the information is there is verifiable so I mean, I dont know what are they investigating, the check has been cleared and theyre holding onto my money and I need my money. I have bills to pay and theyre still holding onto my money and there they continue saying their investigating investigating when I havent even received an email stating that there would be hold on the on the money or anything, I received an email stating that I cant disclose and how I would like my money and when I chose how I want my money now all of a sudden but putting a hold on my money its been more than XXXX days and I need my money urgently
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I did not authorized theses inquires and reaching out to the companies was unsuccessful. 

Before calling you guys, I took the time to contact each company separately and neither one could give me any information or where this inquiry came from. 
The only course of action the company gave me was to file a dispute. I don't know the technical term for any of this, I just know I don't recall giving any company permission to pull my credit report. 

I did not file a police report because your website states to contact the creditors, if I don't recognize the inquiries and I did. It does not say anything on your website about police report. All items listed below are invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not been authenticated as per my requirements as you are damaging my character, creditworthiness, and wellbeing by falsely stating those non-complaint unverifiable accounts on my report. 

These lenders have accessed your credit file : XXXX XXXX   XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX XXXX  Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Credit Collection Service XXXX XXXX XXXX XXXX, MA XXXX Acct : XXXX Balance : {$280.00} I'm writing to formally contest a debt that your organization says I should be paying. I don't know of any debt you represent being owed to Credit Collection Service or any other original creditor. Moreover, I was not notified in advance of this debt and was not given the chance to contest the information within the legally mandated time period.

As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide proper validation of this debt. Specifically, I request the following information : In compliance with the Fair Debt Collection Practices Act ( FDCPA ), I am asking you to furnish appropriate proof of this debt. I specifically ask for the following data : Verification of Ownership : Proof, including any relevant assignments or transfers of the debt, that Credit Collection Service is legally entitled to collect this debt.

Proof of Notification : If you think you gave me the right notice, kindly provide me a certified copy of the receipt that bears my signature attesting to the fact that I received it. 

Furthermore, my credit report is being severely impacted by this disputed amount, which has been notified to credit bureaus. I demand that this debt be deleted from my credit report until you can produce the necessary evidence. It is illegal to report information that can not be independently verified or corroborated, as per the Fair Credit Reporting Act ( FCRA ). 

I shall regard this debt as void until you can produce the needed paperwork. Please be aware that the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will receive additional complaints if you do not satisfactorily respond to this request. 

I anticipate a timely, in-depth inquiry into this issue as well as a written reply. You can reach me by mail at the aforementioned address
Product: Credit reporting or other personal consumer reports

I request that these inquiries be removed. I have no knowledge of them, and they were done by the company without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$220000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AM You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Product: Payday loan, title loan, personal loan, or advance loan

I borrowed {$1000.00} from this company and they are trying to make me repay {$7100.00}. I made 6 payments of {$270.00} totaling {$1600.00}. And now they have sent a letter to my company to garnish my wages.
Product: Credit card or prepaid card

My late wife opened an account with Barclays Card for a XXXX XXXX rewards credit card. She used my name and information to open the account. She used the card and received and - supposedly - paid the statements, I never used the card or saw any statement from the account. My wife XXXX XXXX in XX/XX/XXXX. After she XXXX, I began going through financials and was receiving all of these credit card statements that I had not seen before or even knew about. I contacted Barclay to dispute the card but did not receive any response. I then hired an attorney to make a fraud dispute claim with Barclay in XX/XX/XXXX. My attorney contacted Barclay to issue the fraud claim and follow up on the claim on XX/XX/XXXX and requested a copy of the complete records and application for the account. On XX/XX/XXXX, Barclay mailed a copy of the credit application. The report provided by Barclay was a one page printout that only had basic information about me on it, including my name, DOB, income, mortgage expense, and address. There was no signature or anything else in that " application '' that could have been used as verification that I was the one opening the account. My attorney sent follow up correspondence to Barclay regarding our fraud claim on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Barclay has never responded to any of these letters, provided any response to our fraud claim, and continues to send monthly statements on this account. After my wife XXXX  away, the credit card has not been used, and I never used it at any point. I did not even learn that we had this account until after she XXXX XXXX. My attorney and I did make a telephone call to Barclay or its collection agency - I do not recall which as we were transferred around multiple times during the call. However, that call did not result in any meaningful response. This account and the excessive balance on the account has destroyed my credit score and has severely impacted my life. I have merely asked Barclay to close the account as fraud and wipe it from my credit report, but I have not received any amount of response or sign that they even investigated the claim.
Product: Student loan

I applied for and received a Genesis Loan to attend XXXX PA XX/XX/XXXX. I applied for the Genesis loan because I was told it was my best option to get funding for my education. During my time at XXXX, I paid on interest on my Genesis Loan. I also had to reapply for a second loan to finish out the school year/education. Recently there has been a lawsuit against XXXX XXXX, owner of XXXX and other schools. They were told to pay 40 % of students loans who had gotten Genesis loans. When I found out about it, I inquired why I had not received the 40 % forgiveness. I was told that I never had a Genesis loan. I asked how that was possible since everything I signed at school was for Genesis or a federal loan. I was told they just serviced the loan. I asked who the owner of the loan was and they gave me a name but they could not give me a number/address/website or any information regarding how to contact the owner of the loan. I decided to file a complaint. I got a response from Genesis that they never owned the loan and would request the loan be taken off my credit history. Due to my work, I did not have the time to gather the information I needed to file a dispute to their claim. After I filed the complaint, I received a letter from Genesis stating that they would no longer be servicing my loan XXXX. I had never heard of XXXX before Genesis told me about them. I have tried to contact XXXX XXXX XXXX to get a copy of my original loan information but that has led to no where. The research I have done into them has proven no known employees, no phone number and no website that I can find. I started looking through my taxes and emails and found my student loan statements XX/XX/XXXX. It shows the lender of my loans. My federal loan is owned XXXX. My private loan was owned by Genesis Lending XXXX. The emails I found are from a Genesis email account, asking my father to finish his cosigner application online at the Genesis website. I believe Genesis Lending has falsely moved owner ship of my loan to avoid forgiving 40 % of my private loans.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting a fraudulent inquiries found in my credit report