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

I purchased a 2008 XXXX XXXX  from XXXX XXXX XXXX in XX/XX/XXXX and my car loan is through Santander Consumer USA. At the time of purchase, I didnt have any established credit and my APR was 26.42 % with a car payment of {$550.00} per month. My credit improved in XX/XX/XXXX & XX/XX/XXXX and I tried refinancing for a lower interest rate with Santander which they wouldnt allow. I tried refinancing with other lenders as well and was denied because the loan was upside down, owing more than what the car was worth. In XX/XX/XXXX, I was terminated from my job and I was using my unemployment money to pay my car payments as best as I could. On XX/XX/XXXX Santander repossessed my car and when I called to find out the necessary amount to reclaim my vehicle, I was informed that I was 3 months behind which should have been at the most {$1600.00} but instead I was told that I would have to pay {$3900.00} ( please see attached statement ) in order to get the car back. On XX/XX/XXXX the car was sold at an auction for {$4000.00} and the remaining balance of {$15000.00} is owed. Much to my surprise, I recently reviewed the attached transaction history and for the past 4 years I see that my car payments were being applied to the interest and I still had the same balance due of {$19000.00} which is the original amount financed in XX/XX/XXXX. Also, according to the transaction report the amount that the car sold for was applied to the principal balance and the amount of {$15000.00} is outstanding. I am shocked to learn that NOTHING had been applied to the Principal balance until the car was sold. Also attached, are the XXXX XXXX XXXX reports which show that the car was worth {$4000.00} when I purchased it and {$3100.00} is what its worth now 4 years later. Based on the amount of {$4000.00} Santander received from selling the car in XX/XX/XXXX, plus the inflated monthly car of payments of {$550.00} Santander has recouped the value of the car and then some. Not to mention, according to the attached Sales Contract with XXXX XXXX XXXX had I been able to make all the car payments due under the sales agreement I would have paid {$40000.00} for a car that is only worth {$4000.00}. Santander is a predatory lender that takes advantage of people like me that have no clue about interest rates, that have no established and/or poor credit and desperately need a car. Please help put an end to Santanders predatory and disgusting lending practices.
Product: Credit reporting or other personal consumer reports

I know I pay on time, so Im unsure why this company is showing late payments for specific months. USC 1666b states that billing errors should be fixed and updated to " paid as agreed. ''
Product: Credit reporting or other personal consumer reports

During the covid 19 pandemic, I was out of work. Wells Fargo contacted me and said, because of the pandemic they were pausing credit card payments and deferring interest. But a few months later when they unpaused payments, I was notified by them that my account was over balance and past due. They said there is a balance due immediately, it was like {$500.00}. I didn't have any money because I was out of work at that time, and on unemployment barely able to pay my bills. With all the late fees, over balance fees, and interest I was never able to catch up after that. So I disputed it with them, they told me they would get back to me, I didn't hear anything from them for months, I called again several times over the next 15 months. Finally 2 years later, I'm contacted by a collection agency, because Wells Fargo sent my account to collections instead of getting back to me about my dispute like they said they would. So I called Wells Fargo and got them to call my account back from collection and bring it back to the bank, and I agreed to pay it because at this point it's years later and I just want to get this over with. So I saved up and used a tax refund to pay off the entire balance. But it's still on my credit score to this day as a charge off and with all the over limit, past due derogatory marks. Im not able to secure funding for my small business because of this. I have tens of thousands of dollars running through my business checking account but I can't secure a business credit card because of them. My credit score was excellent until Wells fargo lied to me and ruined my credit score, I have not recovered still. I have disputed it with the bank and with experion, and still nothing has changed. Please help. I just want this to go away.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed 4 late payments listed in my auto loan history with Regions bank because I made those 4 payments the day before the XXXX day.. It was their payment processing system that took extra days to process and in turn made the payment more than 30 days late.. Ive contacted them several times yet no help.. Ive had this account for going on 4 years now and have had no other issues with late payment
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon Checking equifax I found that XXXX reported payment of {$0.00} on months that a payment was indeed made. The month shows as paid but reflects a payment of {$0.00} which doesnt reflect the amount paid that month. The payment amount reflects later on the balance. The company XXXX  forced me to sign an agreement in order to gain a lower finance interest rate on my vehicle. In this agreement there is a legal terminology of which I did not understand when I signed it. The agreement states I can not sure them for anything. I now am no longer able to speak to anyone as they state I can not due to a legal issue. I am exhausted from this deal. Please advise
Product: Credit reporting or other personal consumer reports

XXXX XXXX I sent a certified letter to credit bureau requesting that all information besides my name ( XXXX XXXX XXXX XXXX, current address ( XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX ), current employer ( XXXX XXXX ) and phone number ( XXXX XXXX XXXX ) be updated. I requested that ALL other personal information be removed, as I never lived at those address, the names are not my birth names. I included with this letter a copy of my drivers license with my current address & date of birth on it, I also included my social security card and a utility bill. As of today no info has been removed. This violates my rights as this is inaccurate information being reported on my credit report.
Product: Money transfer, virtual currency, or money service

Venmo accepted a request to transfer from my account a {$1200.00} payment to an erroneous account that doesnt exist. It shows the transfer as pending and Ive tried to take back the money. It acknowledges the account does not exist and its trying to get the recipient to create a new account in order to obtain the funds. 

Venmo knows the transaction payment should be refunded to me, but its hoping to get a sale by a desperate recipient to create a new account. Meanwhile, it tells me to try and take it back after several days but never gives me any details. Ridiculous Customer Service provides no information. Beware of using Venmo because they wont tell you that the account youre sending money to doesnt really exist.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX : Balance : {$6500.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX : Balance : {$1400.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX : Balance : {$350.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX : Balance : {$240.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX : Balance : {$630.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX : Balance : {$1800.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX  # XXXX : Balance : {$1200.00} - DATE OPENED XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On Friday, XX/XX/XXXX XXXX XXXX ( ET ) I contacted XXXX XXXX   about a XXXX Credit Card issue on my account pertaining to interest charges below : As of XX/XX/XXXX I owed {$700.00}. 

Then they charged me four interest fees : XX/XX/XXXX = {$340.00} XX/XX/XXXX = {$340.00} XX/XX/XXXX = {$1.00} XX/XX/XXXX = {$760.00} Total interest charges were $ {$1400.00}?? 

There is NO way this is correct, can you please get this corrected? 

Message I received from them : " From : Comenity Bank Sent : Friday, XX/XX/XXXX XXXX XXXX ( ET ) To : You Subject : Re : Annual Percentage Rate Message ID:XXXX Thank you for your recent inquiry to our Customer Care Department . 
XXXX XXXX issues your account and responds to all credit related inquiries. 

We've received your information and it's currently being reviewed. For future disputes if you would like to be protected under the Fair Credit Billing Act your dispute would need to be in writing. Please refer to the back of your statement for additional information. Please be assured that we will work diligently to resolve your issue. Upon completion of our investigation, we will notify you of our findings. While we investigate whether or not there has been an error, we will not try to collect the amount in question or report you as delinquent on that amount. We appreciate your patience while we are conducting our investigation. 

We hope this information is helpful. For the security of your account information, we ask if there are any follow up or further questions you have related to this concern, that you submit them by logging into your account and utilize the " Contact Us '' link. 

Sincerely, XXXX XXXX ''
Product: Checking or savings account

Hello, I called Bank of America on Friday XX/XX/XXXX regarding a negative XXXX balance on my checking account. Apparently something fradulent had transpired and I decided to close my checking account and start a brand new one. I called again on Saturday XX/XX/XXXX to see if they have closed my checking account and they have not. I want to know why they haven't closed the account with the negative balance that they put. 

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

I have no knowledge of the account. I didnt do this. I have filed a fraud report # XXXX regarding XXXX XXXX account.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TransUnion Credit Bureau regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Under Section XXXX of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, TransUnion Credit Bureau has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that does not belong to me and i want it to be remove from the 3 credit reporting agencies. See the list bellow : 1. Identity Theft JPMCB CARD Account Number : XXXX**** This is not mine.

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX**** This is not mine.

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX**** This is not mine.

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX** This is not mine.

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX** This is not mine.
Product: Mortgage

I requested to have my PMI cancelled back in XXXX of XXXX. I received the PMI cancellation information from my mortgage company, paid the {$190.00} fee, signed the papers and sent back on XX/XX/XXXX. The check was the cashed on XX/XX/XXXX. 

I never heard from my mortgage company, or an appraiser about coming and appraising the home. I have called at least XXXX times since the check was cashed to get an update on when I should be hearing from an appraiser, and I kept being told someone would eventually contact me. 

I just called today ( XXXX ), and I am now being told they never received the appraisal sign off form and I would need to resign and send back for them to do an appraisal. In each of my calls following up before today, I was told everything is in order and they have received everything they would need from me. Now they are asking me to resend the form I already signed and it would take another XXXX  days. How is it fair that I pay my amount, send in the necessary documents, and continue to pay PMI. 

Please take action on this so other consumers are not being asked to pay for something that has not action.
Product: Payday loan, title loan, personal loan, or advance loan

Around the Date of XX/XX/2023. I entered the XXXX XXXX Truist located in XXXX georgia and was greeted by a banker who advised i needed to set an appointment. I asked her about a personal line of credit and she told me that all I needed was to apply and Tax returns were not needed. I specifically asked because I did not have the documents at the time as we had just paid to catch up what was due. We decided it was much easier to go to the Truist at the XXXX Georgia location. We were assisted by a XXXX who was nice but advised that we would in fact need income verification we were hesitant at first because our information has been all over the place.in less than XXXX days we received a letter saying by a certain date the application wpuldnt be valid and so I spent the weekend gathering finnacials and returned the documents back. The documents were returned and we were advised. Our original application wasnt valid and we had to Re-apply we allowed XXXX to Resubmit and we never heard back. We have a valid Georgia ID with our address listed on the item. We have upwards of {$85000.00} in Home Equity. Im not sure why they asked for investable assets but needless to say we received a hard inquiry. We never heard a response as to why we were not approved and decided to go with a different institution ( XXXX XXXX ) for a business line of credit. I currently need to replace my vehicle for our business and I now have a Hard inquiry on my credit profile that negatively will effect the purchase of a new vehicle for the next XXXX  years.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I am writing to file a complaint against Bank of America Credit card for refusing to reverse the charges I incurred for purchase of a defective item I made on XX/XX/2015 for the amount of {$73.00} from XXXX ( see attachment pg.XXXX ). The seller sent me an email infng me to return the item for which he would refund me {$64.00} minus the shipping charges ( see attachment pgs XXXX ). I returned the item by XXXX on XX/XX/2015 ( see attachment pgs. XXXX ). The seller received the return on XX/XX/2015 ( see attachment pg. XXXX ). I called BofA soon after the return but I had not received my refund from the company. BofA representative assured me that the charges would be refunded but I do not see any refund. Please help me get back my refund.
Product: Credit reporting or other personal consumer reports

I was made aware that they are some closed accounts showing on my credit report, upon investigating I found out that they were not mine because i have been in prison and just recently released, these accounts were opened while i was in prison, I have reached out to the companies, collection agencies, credit bureaus, and asked for some proof of purchases, dates, contracts, or signatures, to this date i have not received any response, I then went to the police station with the evidence showing i was in prison when all this was happening and filed a police report which i have included along with a copy of my drivers license showing my signature in hope you can get the companies, credit bureaus or collection agencies to match it or show some sort of proof that these account are mine, which I know will be impossible because they are not mine, I hope you can assist me in getting this resolved and my credit cleared of these inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to buy a house and just checked my XXXX account and found all these fraudulent account XXXX on my report that I have no knowledge of, 1 ) XXXX XXXX SYSTEMS, XXXX, XXXX XXXX XXXX XXXX XXXX Also there were several hard inquiries that I have no knowledge of which includes, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My issue is with my Capital One Venture credit card, which I have had for a long time. I have been an excellent customer with no late payments and paying my bill in full every single month, and additionally paying an annual fee for the rewards benefit. 

Very quietly and underhandedly, at some point earlier this year Capital One changed the redemption value of miles for gift cards in their rewards program making the miles of 25 % less value toward gift card redemption. Ever since I had the card, the value was XXXX miles per {$100.00} gift card. That was always the redemption rate. Recently I went in to redeem for a {$100.00} XXXX gift card and noticed that the miles required for a {$100.00} gift card shot up to XXXX miles, making my miles 25 % less valuable. I have been accruing these miles for years, paying my annual fee, and paying my bill in full ( never, ever late ) in order to save up miles for a very specific purpose of redeeming them for hotel gift cards. I do NOT want a statement credit. I want the value of the miles that I have accrued in relation to what I agreed to when I got the card - XXXX miles per {$100.00} in gift cards. I have checked my email back to XXXX and there was no notification of this change whatsoever, and I log into my account regularly to check balances and likewise there was absolutely NO notification of this change whatsoever. I was told it supposedly happened in XXXX from one of the reps I spoke with. I log into my account ALL the time and there was no notification of this change. If I had known of the change, I would have had an opportunity to redeem my miles for what they are actually worth before the change. I never had this opportunity. And OF COURSE they kept this quite so as to avoid just that. That is deceptive, nefarious, and non-transparent business practices. I have emailed and called the company repeatedly to get this resolved to no avail, which is truly disgraceful. I am owed XXXX miles, 25 % of my current earned miles, to make up for this unknown decrease in value so that I may redeem them for the worth that they were originally for. This is the only acceptable remedy to make my miles worth the value I agreed to in the original terms - I UNEQUIVOCALLY DID NOT AGREE TO THIS CHANGE IN TERMS AS I WAS NEVER NOTIFIED OF IT.
Product: Debt collection

KINGS CREDIT SERVICE XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Kings Credit Service Opened XX/XX/2018 {$46.00} Original creditor : XXXX XXXX XXXX XXXX
Product: Debt collection

WAKEFIELD is claiming that I owe them {$1600.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureau has violated 15 U.S Code 1666b in continuing to report inaccurate late payments. Please remove all lates from the following accounts, XXXX ACCt # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX
Product: Checking or savings account

The bank put a block on my accounts and will close my savings and checking account on the XXXX of XXXX, XXXX they say it's due to a risky check that I deposited and they do not want to do business with me anymore. I don't know what to do I have no money until when they decide to give me my money which will be XXXX business days after the XXXX of XX/XX/year>. Is there anything someone can do like donate a few XXXX dollars I would appreciate that. My name is XXXX XXXX my number is XXXX. Please contact me as soon as possible please because I don't know how long I'm gon na have this number.
Product: Credit reporting or other personal consumer reports

I have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed from my credit report.