23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

The New York auto dealer who sold my car to me subsequently sold the Retail Installment Contract to Santander. The RIC was initiated in XXXX New York and is subject to New York State law ; it did not specify any terms relating to convenience fees for payment. Upon making my first payment, I noticed that Santander was forcing me to pay a convenience fee of {$10.00} per payment to pay by credit card as opposed to mailing my payment in to them. Convenience fees for paying via credit card are illegal in XXXX New York XXXX No seller in any sales transaction may impose a surcharge on a holder who elects to use a credit card in lieu of payment by cash, check, or similar means. 
Any seller who violates the provisions of this section shall be guilty of a misdemeanor punishable by a fine not to exceed {$500.00} or a term of imprisonment up to one year, or both. 

The bank can not allege that the ban on convenience fees does not apply to them because they 're not based in New York. I originated my retail installment contract with a New York auto dealer subject to the laws of New York ; the sale of the contract, which has no clause regarding convenience fees or fees for making payments to an out-of-state lender can not exempt the lender from New York 's requirements concerning convenience fees. 

I made XXXX payments for which I was charged this convenience fee, totaling {$180.00} in damages. I demand that Santander pay back the {$180.00} in full as this is an illegal convenience fee. I also request that the CFPB look into this practice to prevent them from subjecting other consumers to these illegal convenience fees for making payments. 

Additionally, I paid off my loan in full over two weeks ago, but have received no correspondence from Santander indicating that this has taken place, nor have I received any documentation regarding the release of my lien. I request that process be put into motion if it has not already. 

Finally, the loan was overpaid by {$39.00}, and I have received no refund for this amount or correspondence in regards to it.
Product: Debt collection

There are errors associated with this account. I do not have an agreement with this agency to pay a debt.
Product: Money transfer, virtual currency, or money service

I had problems when I tried to set up XXXX wallet on crypto.com. It says i failed to set the account and then no way to get my noney out of the digital wallet. The company asked for my address prood, SSN and ID. I sent all details and thwn they issued me a ticket ( docket ) to resolve the issue. This was back in XX/XX/. The issued ticket number is XXXX. Since thwn I am following up and they sent me mails saying they are working on it a d asking my comments about their service abd nothing happens. 
I even tried on their live chat abd still couldnt get any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't get an Experian Boost. Two creditors should now be off my Experian report. The company may be dormant during Coronavirus scare, I can't reach a chat member, a phone support member and I'm having log-in problems.
Product: Credit card or prepaid card

I have recently gotten XXXX XXXX for me and my kids and I found that capital one has not one allowed someone to open a account in my name and I have a fraud alert and was not alerted to a application being put in or a card sent and used. They allowed some one to open a credit card in my XXXX yr old daughter name XXXX XXXX ssn:XXXX dob:XX/XX/XXXX I have contacted the company multiple times about both accounts I have submitted a police report and letters I writing I am asking for this company to delete the accounts my name is XXXX XXXX ssn:XXXX dob:XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXXY XX/XX/2019 for XXXX, XXXX XXXXXXXX XXXX, INC.ON XXXX XXXX FOR {$1700.00} THIS IS A HIPPA VIOLATION, I HAVE NOT GAVE THIS COMPANY TO RELEASE MY PERSONAL INFORMATION ... BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX XXXX  AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter
Product: Credit reporting or other personal consumer reports

I filed a dispute regarding incorrect information on my credit report. The credit bureau emailed me, stating they assumed the disputes were from a third party, which is untrue. I called to verify my identity, yet they still refused to process my disputes. I wasted money on mailing my disputes and sent personal information to verify my identity, only for them to fail to conduct a thorough investigation.
Product: Checking or savings account

In XX/XX/XXXX, I sent a letter to Deutsche Bank informing them of the death of my father XXXX XXXX XXXX, and owner of the Deutsche bank XXXX account no : XXXX. 
In return, I received a response from the bank asking me to provide them with notarized proof of my identity, relationship to the account holder, information showing I was his next and only of kin, and original copy of his savings account book referred to as a XXXX. All of this demands were fulfilled by me, and I sent said requested documents to Deutsche bank, including asking them to send me account statements, and current balance on the account. This was to ascertain the interest accrued on the account, since its last transaction. The account had remained untouched for fifty-two ( XXXX ) years. The last transaction on the account by my father was back in XXXX, as is stated on the XXXX. Deutsche bank then responded to me regarding filling out a XXXX form, as I had been in XXXX on XXXX while corresponding with them at the time. I filled it the XXXX XXXX and sent it back to them, a few weeks later it was sent back to me and a later from Deutsche bank saying they " REJECT '' my form because I am not a U.S. resident . I don't know where they got this information from because it is obviously a lie. I noticed they still had not responded to my request for statements on the account or the account balance, so I took the initiative and called the estate department of Deutsche bank directly via telephone. I was informed by the XXXX that my account balance was XXXX euros. In shock, I asked for an explanation because this amount was wrong. According to the XXXX, the account balance at the time of last transaction on XX/XX/XXXX, reflected a balance of XXXX deutsche marks, which is roughly XXXX euros after conversion. There are no associated fees associated with this savings account, and so the amount of XXXX euros was just plain wrong. The representative could provide me with no information as to why the amount in the account had dwindled over the past fifty-two ( XXXX ) years, instead of it appreciating. In addition, I became aware based on the correspondence received from the Bank, that they had converted the XXXX Account into a XXXX Account without any authorization from the account holder. After reporting the fraudulent activity by Deutsche bank to the Comptroller of the Currency, the Bank immediately sent the XXXX euros ; which was the remainder on the account to me. I rejected the deposit and sent it back to Deutsche bank for them to provide me with an explanation as to why the amount in the account has reduced over the past fifty-two ( XXXX ) years. Instead, Deutsche Bank deposited the same some again to my account without any explanation and is FORCING me to take this amount instead of responding to my queries. I therefore need help in getting to the bottom of this because it is obvious Deutsche Bank has engaged in fraudulent activity with the savings account of my deceased XXXX. I have engaged, the Comptroller of the Currency, the XXXX XXXX XXXX XXXX XXXX, and now your institution and will be engaging a XXXX based Lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN DOES NOT WANT TO DO ANY DISPUTE MORE THAN ONE TIME.NO MATTER WHAT DEVELOPS, NO MATTER WHAT EVIDENCE IS PRESENTED, NO MATTER IF THE ACCOUNT BECAME CLOSED AND PAID THEY WILL CALL ANY SECOND DISPUTE BY ANYONE ANYTIME FOR ANY REASON ... FRIVOLOUS ... THEY STAND BEHIND THE FCRA THEN THEY BREAK THOSE LAWS CONSTANTLY ... THEY SHOULD BE REMOVED AND REPLACED BY XXXX OR ANY RESPONSIBLE BUREAU AND NO LONGER BE A BIG THREE MEMBER.THEY HAVE PROGRAMMED THE FRAUDS ON CONSUMERS INTO THEIR AUTOMATED SYSTEMS AND WILL CONTINUE UNTIL LAW ENFORCEMENT, THE CFPB OR CONGRESS STOPS THEM. THEY HAVE NOT A SHRED OF INTEGRITY LEFT AS A FUNCTIONOING COMPANY AND SHOULD BE FINED EVERY SINGLE TIME THEY BREAK THE LAW UNTIL THEY DECIDE TO STOP BREAKING THE FCRA.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding an accuracies and my credit report despite my submissions Equifax constantly response within XXXX hours stating the account is accurate without providing any evidence of the thorough investigation. The practice violates the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which mandates a responsible investigation of disputes. Furthermore, Equifax actions may also contravene the consumer financial protection act ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the CFPBs recent administrative proceeding ( File No XXXX ) against them for similar violations I requested the CFPB take action to ensure Equifax compliance with federal law and provide consumers with the necessary proof of investigation. I am referring to both capital one accounts.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and have identified fraudulent accounts and inquiries on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following fraudulent accounts and inquiries be immediately blocked and deleted from my credit file : Fraudulent Accounts 1. XXXX Account No. XXXX Opened XX/XX/XXXX Balance : {$0.00} 2. XXXX Account No. XXXX Opened XX/XX/XXXX Balance : {$0.00} Fraudulent Inquiries 1. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation of Identity Theft on Credit Report Dear [ Credit Bureau ], I am writing to bring to your attention a serious issue that has negatively affected my credit report due to identity theft by a family member who shares my same identity. I am the victim of fraudulent activity that has been perpetrated by XXXX  XXXX who is identical to me and has maliciously used my personal information to open unauthorized accounts. This situation is especially distressing as XXXX  XXXX ] and I have a tumultuous relationship resulting from personal betrayal when she had an XXXX  with my husband at the time. I strongly believe that her actions in committing identity theft against me are a deliberate attempt to cause further harm and damage to my financial well-being. I have taken steps to address this issue by contacting the credit reporting agencies and initiating disputes for the fraudulent accounts on my credit report. However, I urge you to conduct a thorough investigation into this matter to rectify the inaccuracies and remove any unauthorized transactions XXXX  XXXX {$1000.00} XXXX XXXX  {$1000.00}
Product: Debt collection

In XX/XX/2021 I started training classes with XXXX XXXX to upgrade from a class B XXXX holder to a class A XXXX. These were train to hire classes meaning the instructors work for XXXX XXXX and we're there to solely train us to XXXX XXXX XXXXXXXX XXXX for the outcome of working for the company ( XXXX ). However, being harassed and things not going well with Mentoring, I specifically requested a female mentor instead I was given a male mentor, that didn't work, I requested again for a female mentor and yet again they were trying to give me a male mentor. I felt as if they were recruiting for something other than a driver so I didn't begin working for them ( solo without mentor ) I am now being harassed by a debt collector ( displaying on my credit report ) that I owe XXXX XXXX over XXXX XXXX dollars. During the time of my training XXXX XXXX was not listed as an accredited school and the instructors work for XXXX XXXX. The debt collector nor XXXX XXXX representatives when calling gave me a clear answer as to how I owe XXXX? In fact, XXXX representative hung up on me. The debt collector ( Lockhart ) stated I signed an agreement to pay them, however, there were a lot of documents thrown at us ( the class ) to sign, I don't recall signing anything to that nature. When I requested the letter it was never sent to me. Therefore, I am still wondering how is it that I legally owe XXXX XXXX when they are not an accredited school? Who did they pay on my behalf that I would owe them over XXXX XXXX dollars? The instructors work for XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXXDept of Ed : 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 XXXXXXXX XXXX # XXXX, XXXX XXXX  : # 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 or other personal consumer reports

Upon reviewing my credit report, I discovered several unauthorized hard inquires that I did not recognize. I contacted the credit bureaus to dispute these hard inquires and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue XXXX and is negativity affecting my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( recruiting ) They got on my DAC Report discharged .Falsified Employment application.Idid not work for this company, XXXX XXXX XXXX Also said the same thing Discharged Fasified application, also did not work for this company.
Product: Consumer Loan

Took out this loan with Argon Credit back in XXXX 2015 to cover medical expenses for my husband. The application stated the interest rate would be no more than 5 % when consumer applied ; however, the interest rate was not revealed until the final signing of the loan. Consumer discovered the interest rate was 89 % on a {$2000.00} loan. This is in violation of the Usury law of the state of Alabama. Consumer has made a previous complaint with CFPB about Argon Credit, and the interest rate was decreased to 79 %. Consumer has made XXXX payments of {$190.00}, totaling {$1500.00}, but the balance is showing {$1600.00} with the majority of the payment going toward interest. Consumer disagree with this balance. Under Alabama usury law, the balance should be {$470.00} because the interest rate charged by Argon Credit is in violation -- balance due {$2000.00}, only. The balance increases enormously every month instead of decreasing. Argon Credit is using Private Payment Services to debit my account, and when consumer calls, XXXX XXXX XXXX refuses to give a payoff balance. The phone reps go into great lengths to avoid giving consumers this information. I have contacted Argon Credit several times about this interest rate violation, but just sends out a generic response.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of hard inquiries from my credit report that were made without my consent or for permissible purposes as outlined in the Fair Credit Reporting Act. 
According to the Fair Credit Reporting Act, a hard inquiry may only beconducted with the consumer 's permission for a specific purpose, such as applying for credit. As I have not authorized thmese inquiries, I respectfully urge you to investigate this matter and expedite the removal of the fraudulent inquiries from my credit file. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company XXXX failed to help me to put the account under forbearance due to job loss and being unemployed because of Covid-19. Back at the end of XXXX of this year I have reached out to XXXX and notified them about the hardship my family was in and requested for a 6 month forbearance under the CARES Act. I spend almost an half an hour on the phone with a representative and I was assured the account would be put in six months forbearance. Since then I have contacted the company several times because both me and my husband have gotten credit alerts from the three bureaus about delinquencies. I know for a fact that there was a call on XX/XX/2021 and the rep has made notes that I have called and followed up to make sure the forbearance was in effect. Now I was XXXX at the time and for almost 8 months I was lied to by this companies representatives. I have called numerous times and its all in record with them and each and every time I was ensured that someone will take care of the issue with forbearance and also correcting mine and my husband 's credit reporting. We have had other creditors decreasing and also closing our credit cards because of Cenlar 's incorrect reporting. Cenlar has sent me a letter saying that the credit reporting is correct and no one bothered in their company to go through the notes and see that they made a huge mistake. They are in violation of CARES Act. During this pandemic a lot of families have been suffering and I know that the treatment I have received from them is unlawful. My first mortgage is held by XXXX XXXX and all it took was one phone call and they were able to help us. Now I was XXXX  throughout this process and CENLAR has caused me a lot of emotional distress. 
I demand for this company to reach out to al three credit bureaus and correct the reporting by removing the delinquencies from both my and my husband 's accounts within the next two weeks. I also want someone to reach out to me and explain why the forbearance was not placed from XXXX to all the way XXXX when I called and said we are ready to resume payments. All my statements could be verified through their phone recordings. 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

There has recently been a XXXX XXXX XXXX XXXX Stolen from XXXX XXXX XXXX ( XXXX  ) where XXXX XXXX records including names, addresses, Social Security numbers and relatives dating back at least XXXX decades. My public information including my social security number has been stolen. Therefore the following account should be deleted from my credit report immediately. These are unauthorized accounts. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX The above accounts are also in violation of the Privacy Act of 1974 ( 5 U.S. Code 552a ) Please delete these accounts immediately.
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 Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX and list of Inquiries. 

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.