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

Santander offered me a loan through a car dealership, XXXX XXXX in early 2020 with extremely high interest rates and fees, with a high presser seller encouraging to take it with the promise of securing a lower interest rate in the future with refinance and the expectation of immediate processing without any verification of income. This resulted in extremely high payments which became impossible to afford. If the company had in-fact processed and confirmed income and debt to income ratios, I would have found another option that did not end in loss of the vehicle and the large down payment and payments made. I believe this case should have been included in the investigation and resulting lawsuit that was filed against Santander Consumer that resulted in a settlement with AG. 
I believe the company knowingly acted in deceptive consumer practices in my case as well as others, setting the consumer up to fail. 

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

I was sent in to collections with out notice charge off oj my report. Paid the charge off and there still adding derogatory comments amd statements on my report.Misleading information for creditors. I belive that's not fair credit reporting. I've called and asked for updates no results. They continue to blemish my credit report after i paid them.
Product: Checking or savings account

I have been banking with PNC Bank since I was XXXX  years old well before it became PNC bank. A few months ago I received a email asking me if I would like to be a XXXX  XXXX  for XXXX  I responded and within a few days I received a cashiers check from XXXX. I immediately took the check to PNC bank & asked the teller was the check good she looked over the check and stepped away for a moment came back and said the check was good I even asked her if the check was returned would I have any issues she said no the check is good. There was a total of 5 checks after a week I was notified that a check had been returned I went into PNC immediately I spoke with the bank manager she told me( Jane Doe) that PNC would not be held liable at all and that I would be responsible for all bank fees and all returned checks & maybe next time I will make better choices... My account had XXXX from my deceased father and XXXX from saved child support to go towards my daughters college which I save a portion every month she is supposed to attend college next fall which is next year and I had a few more dollars that was supposed to go to the rest of my bills for the rest of the month  I am a XXXX  vet on very limited income. PNC placed a hold on  my bank account they didn't give me the option to make any payments I was left with nothing not even enough gas money to get back home. I returned to the bank again to try and get some type of help with the loss of all my money when I entered the bank one of the teller's was leaving and squeezed my arm and said sorry to hear about your financial loss....  Once I reached the actual teller for assistance she already knew my name and went on to tell me that PNC usually puts a hold on out of state checks and nonlocal bank checks. I asked the bank manager why didn't they do this for me she once again she  became rude and said to me( Jane Doe) that maybe next time you will make better choices when it comes to your finances and you should of known better. I am out of a total of a little over  $XXXX. It seems as though every person that works at PNC in XXXX  NC knew everything that has happened to me confidentiality is definitely not at this location. I was preparing for me and my daughter's future if I would of know I was being scammed I wouldn't not have cashed the first check. I have also filed a police report which the bank instructed me to do but that has not been able to track down who sent the email or the cashiers checks. So I even asked the bank manager who is PNC really helping themselves or there customers because apparently they could care less about there customers. I was contacted by mail form the head bank In Pennsylvania which was just to acknowledge that the PNC bank in XXXX  NC had received my letter and complaint. I have never in my life been treated so rude I felt like I was completely discriminated due to me being a XXXX  vet and other reasons. I have also contacted the XXXX  XXXX  XXXX   on XX/XX/2019, PNC has failed to respond to them.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Payday loan, title loan, or personal loan

First of all, I never filled anything out at any point in time for a payday loan on XX/XX/2022 or even within the last 5 months. I called XXXX to request that they delete my information they had on file and informed them that I never asked for them run my credit for a loan I never asked for. They told me they couldn't delete my information by law. When i asked them about the state statute or US code that covered that law i was told they couldn't provide me with that information. I asked to speak with a manager and was told there were no managers available and that one would call me back. That was literally over 45 minutes ago as i searched for this complaint and currently am writing it out. I asked for the employee 's information, name is " XXXX '' and she refused to provide me with her employee number, so i could report this to her manager that was not magically not available during the length of the call, which i extended on purpose so i could make sure to catch the manager. I asked again, why she couldn't erase my information, that i did not provide. Again she said it was the law. I again asked for the statute or code that covered this particular law she was referring too, nothing again. I informed her that i was going to be reporting her to the FTC and going to be getting a lawyer involved in the situation. I was denied again. I informed her that not only is this company stealing my information but that i was going to be pursing a law suit against her as well for also being criminally negligent as well by honoring my request to delete information that they were not entitled to per myself.
Product: Mortgage

I have requested on XXXX different occasions to Mass Housing to start the process to remove PMI from my loan because my value has increased and I have over 30 % equity on my primary residence. I have called the servicing line and requested a XXXX  be conducted. I am told I will receive a call to collect the fee but I never recieve the call. I recieve a letter shortly after stating I have not paid down my loan below 20 % from the original purchased value. I have seasoned my loan long enough to be able to request an opinion of value to establish enough equity to have pmi removed.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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: Vehicle loan or lease

I am writing to file a complaint related to my recent consumer credit transaction for personal family and household purposes with XXXX XXXX XXXX XXXX XXXX pertaining to Regulation Z, which implements the truth in lending Act ( TILA ). Chrysler Capitol denied me credit which in good faith I truly believe my religion was discriminated against which is also a violation of Regulation B Equal Credit Opportunity Act when denied an extension of my own credit for personal, family, and household purposes. Specifically, I am concerned about the accuracy of the decision. 

I was never given a copy of my credit application, I asked many of times to the dealership. They never gave me a copy of my credit application ; in fact, I have video of the sales associate saying that they normally just shredded the paper ( credit application ) so I shouldn't need a copy. I have everything documented through the whole transaction. Unfortunately, the videos are too large to upload onto the platform exceeding the limit of 10mb. But I can send the videos via text message if necessary. 

I am requesting that you reverse the denial to an approval so I can proceed to my life, liberty, and pursuit of happiness. Thank you for your attention to this matter, I look forward to hearing back from you soon. 


Dates : XXXX & XXXX XXXX  XXXX Price : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2016, I entered into a purchase agreement of a XXXX XXXX XXXX with GM Financial. In the same year I had to declare bankruptcy, chapter XXXX which became discharged in XX/XX/XXXX of the same year. I decided to keep the XXXX and continued making payments. I will attach each statement I was able to download through GM 's sight. 
I have taken my financial obligations very seriously since the bankruptcy and have tried to get my credit back to the 700-800 range. I am finding it very difficult to do so and have now had to hire a credit repair service because the scores remain stuck in the 678 range. I have been in the XXXX XXXX for the past 16 years and am very aware of how the algorithms for mortgage lending work. Only a few are approved through XXXX XXXX and licensed originators all use the exact same ones. It is a shame that consumer reporting agencies use other ones, but that's not the point. 
I feel GM has directly violated the FCRA by not reporting anything to the credit bureaus since XX/XX/2016 and are not threating to do so illegally. I have direct email correspondence in email through a team lead there at GM stating a repossession order is going into effect at the end of next month. I tried to make a payment and setup a payment plan for at least three to four hours this morning and have found out why it has been unsuccessful. 
I have proof of the payments I made in XX/XX/XXXX and XX/XX/XXXX and question why two reps at GM have told me the repossession order was already in effect. In attempting to make a payment through GM, this was the case too as I was blocked. Finally the last rep I spoke with confirmed the order and after transferring me to XXXX XXXX fast pay ( or something like that ) it was all confirmed because the rep there said this account was in repossession status. The order has been set in motion so I decided to pull off the road and park the vehicle somewhere safe and notify them of its location. I informed the store and they were ok with me leaving it there. It is right across from a police precinct in plain view safely parked. I walked 5 miles home and wonder how this is legal.
Product: Mortgage

Refinanced with another mortgage company. The payoff statement said the escrow balance was XXXX. The payoff amount included the principal balance, interest for the month, and the PMI payment for the month with a payoff date of XX/XX/XXXX. Attorney sent proof the check arrived in their office on XX/XX/XXXX. The company said the payment was not processed until XXXX. The payoff said I would receive a paid in full letter in 5 days and my escrow check within 20 days. In speaking with the company I learned that they have been taking money out of my escrow to cover interest and PMI even though they shouldn't have charged me anything after XX/XX/XXXX. Today is XX/XX/XXXX. I still have not received the letter and have not received a check. I spoke to them on XX/XX/XXXX and they still have the wrong escrow balance and they told me they would get to the bottom of the issue and call me today, that I did not need to call them back. They did not call me. 
I should not have to report them to get money that is rightfully mine. No one should have to go through this.
Product: Mortgage

I began loan modification in XXXX know that I would soon be unable to pay my mortgage. I was ineligible for initial loan modification and chose to begin the deed in lieu process in XXXX. I submitted all required documents on XXXX XXXX. I called on XXXX XXXX and confirmed everything was in place and PHH would take up to 30 days. I called on XXXX XXXX and was told the deed in lieu was cancelled because I failed to submit documents. Throughout the process PHH mortgage has been unable to accurately update me on the process and current status. They have erroneously restarted the original loan modification application at least once. They have told me documents were not submitted but then in the same conversation say they would. Letters sent by PHH take 3 weeks and any deadlines have passed by the time I get it. When I call, I am forced to reference previous letters because PHH is unable to understand their own system In nearly every occasion I call the customer service line, I am given a different story. Twice from XXXX to XXXX XXXX I was promised a call back from a supervisor and did not receive it. I contacted one of VPs directly, XXXX XXXX twice and received zero assistance. 

I've called in excess of 15 time and spent an average of 45 minutes each call and I still have no clue what the process is, the problem with my account or where I even am in the process. Beyond dismal service. This is unfair business practice and likely fraud.
Product: Debt collection

A utility account with XXXX XXXX has been fraudulently created using my name and information. I didn't authorize this account nor did I have knowledge of this account when it was opened. Immediately after learning about this fraudulent account I contacted the company directly for them to close the account and deal with the situation. They have not handled the situation. I am demanding that the company dispose of this account and remove my information from their system as well as remove this account from my credit report immediately. This is not fair and is tarnishing my good name and I will not stand for it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of XXXX accounts on my Experian Credit Report, which has been inaccurately reported as a collection/charge-off. This incorrect reporting is negatively impacting my credit score. 

Affirm Account Numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure that the information reported to credit bureaus is accurate, complete, and verifiable. Upon reviewing my credit report, I identified discrepancies regarding this account, including the following : 1. Charge-Off with Balance : The account is reported as a charge-off while still reflecting a balance, which appears to be inconsistent with standard reporting practices. A charge-off indicates the account has been written off as a loss and should no longer carry a balance.

2. Past Due Balance : The report reflects a past due balance, which is inconsistent with the charge-off status. This inconsistency raises serious concerns about the accuracy and completeness of the reporting. 

Pursuant to the FCRA, I hereby request a reinvestigation into the accuracy of the information reported on this account. I demand the following actions : 1. A detailed explanation of why a balance and past due amount are still being reported while the account is marked as a charge-off.

2. The immediate deletion of any inaccurate information related to this account from my credit file.

3. Confirmation of compliance with all applicable federal and state laws regarding accurate reporting practices.

Please consider this letter my formal dispute under the FCRA and provide a written response within the legally required timeframe of 30 days. I have enclosed a copy of my credit report for your reference. 

Thank you for your attention and prompt resolution of this issue.
Product: Debt collection

My name is XXXX. I keep getting calls from XXXX of TCS, phone number XXXX. The problem is this woman keeps calling me for a medical debt my daughter, XXXX has. My daughter does not live with me, and has n't since XX/XX/XXXX. Both myself, and my daughter have asked his woman REPEATEDLY to stop calling me. I work graveyard shift, and she wakes me up every time. She told my daughter the second time my daughter called that she completely removed my number from the file. I received another call yesterday, and I am fed up. This woman has threatened my daughter about ways to collect the money, and she has no business calling me. The only connection I have to my daughter 's car accident that this medical bill has come from, is that I had to watch my daughter in XXXX. Please do something about this woman.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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: Credit reporting, credit repair services, or other personal consumer reports

These are not my account I want it to be removed.
Product: Checking or savings account

My personal information was stolen in the past and I informed my bank the issue. I informed them to please block any in all sportsbook, casino, any gambling website websites whatsoever after someone opened numerous betting accounts in my name after my card and identity info were stolen when they were stolen. I am not a gambler, nor will I ever be. Despite this, and despite having a fraudulent activity occur in the past relating to a betting site, Wells Fargo has continued to allow unauthorized transactions to go through such companies even though I have told them time and time again to block them. I am told that they are investigating the issue and it always comes back that they're denying my claim. If that happens again in this most recent occurrence, I am going to lose my mind. I don't know why they're allowing companies to charge my account when I've already told them to block such transactions of any kind. Please, help me ensure this stops happening and that this matter is actually taken seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX Partial Acct # XXXX XXXX XXXX XXXX XXXX Partial Acct # XXXX XXXX XXXX XXXX  Partial Acct # XXXX XXXX XXXX XXXX Partial Acct # XXXX XXXX XXXX XXXX Partial Acct # XXXX XXXX XXXXy Partial Acct # XXXX XXXX XXXX XXXX  Partial Acct # XXXX Partial Acct # XXXX 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 an 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 conviction of crimes which antedates the report by more than 7 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 inacc
urate.
Product: Credit reporting, credit repair services, or other personal consumer reports

OK I cant Trans Union and reported that I have a XXXX XXXX XXXX a auto loan finance that I dont recall me giving consent to run my credit I have some from Arizona I live in Virginia as we speak so does not make sense why I would try to purchase a car in Arizona they told me that they belong to me and that they could not help me thats why I know I want proof that I did consent to these and that I signed up to run my credit
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to formally request the removal of several unauthorized items from my credit report. Upon reviewing my report, I identified multiple entries that I do not recognize or authorize. These inaccuracies are causing me significant concern and have negatively affected my credit standing.
Product: Mortgage

We applied for a loss and mitigation to our bank, and it was pre-approved. After months of the arrangement they stopped the loss and mitigation, did not received our checks, and filed a demand on US Court. After two years in court the judge decided the case was dismissed with prejudice on our favor.
Product: Debt collection

First National Collection Bureau , Inc. through XXXX is attempting to collect a debt that has long passed any legitimate time frame to collect. In FTC XXXX ( 2009 ) the Federal Trade Commission made is clear the defining terms on a legitimate collection. The first one being that is the debt collectible within state guidelines of the consumer 's domicile. This time line has passed several years ago. I have attached a copy of my complaint directly against XXXX for doing illegal collection practices and for re-aging the legal timeline for removal. I demand that my file with First National Collection Bureau , Inc. be purged immediately and permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Experian about their " XXXX  '' product. They have incorrect/inaccurate information in my XXXX file. When I called ( many, many times!! ), they did not know how to fix my problem, which led to them shutting down my phone and SS # when I tried to call back. I think Experian may have become too big as their FICO scoring model is what the lending industry uses almost exclusively to assign lending rates to the US consumer. I could go on about how all 3 credit reporting companies like to quickly drop you scores, but take exceptionally longer to return your score to a higher number. Since the 3 main reporting companies are federally regulated, the US consumer doesn't have an advocate to fight these issues. Suggestions??
Product: Credit reporting or other personal consumer reports

I am writing to you regarding the accounts listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, it is illegal to report information on my credit report without my permission. Upon reviewing my credit report, I have identified several accounts that have been reported without my authorization.