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

Chrysler Capital/ Santander has been awful. 
I bought a XXXX XXXX 3 years ago so it is under the Chrysler umbrella. This was a brand new car and I was swindled big time by the dealership and Chrysler Capital funding. This car I should have only paid maybe XXXX but I paid XXXX they took advantage of a single mom out of a divorce with zero child support and there with her XXXX kids trying to get a car with crappy credit from divorce which is now much better. The 19 % APR on this car means that after 3 years I still owe XXXX even though I have paid XXXX on this car already. At this point the car is now under water being worth maybe XXXX on a good day. Not only that but XXXX does not stand by their cars and I was sold a piece of crap. I  have had to fix the head gasket, radiator and now the catalytic converter is bad and XXXX has a recall but my car is not on the recall yet and will have to wait until it is. All expensive fixes for a 3 year old car. XXXX has not been helpful and now the fumes from the XXXX XXXX because of the Catalytic Converter now affect my children and me. This car is unsafe and has been a nightmare financially since I could not refinance an underwater car so I am stuck with a car that can kill us. Also I have reached out to Chrysler Capital and have asked them multiple times to lower the APR and their service reps basically laugh at me and say they do not do anything to help even though they send out letters that they have programs to help. When I call in they just say what date  are you making a payment. Also I have been locked out of my online account for months on Chrysler Capital and they still have not fixed after asking multiple times. Right now I am stuck with a bad catalytic converter on car waiting for recall and I have XXXX on this multiple times and they ignore and they should last longer in CA. Chrysler capital which has literally been zero help with the worst purchase and financing of a car not worth any money and making over XXXX on this car. Which is so corrupt and predatory. I am filing this complaint because I want this to be noted at how they are scamming people and trapping them with no way out. 

They are also selling products that are not worth their weight or payment and overcharging and then not standing by the product. The only way out of this nightmare would be to give them back the car which I would gladly do but it would kill my credit which I have worked hard to get back up. Even though as of now with me paying them XXXX I have basically already paid for the car XXXX  XXXX XXXX and brand new basic package should have only been XXXX XXXX XXXX XXXX and XXXX scammed me really was too. They ignored me after the sale too and the way the dealerships treat women is abhorrent. I am filing this claim so people know the truth about these companies and how bad XXXX is and how they scam trusting people and how low they really are. I am sending out same letter to multiple outlets and I hope social media will help in getting this out because these scams should be taken seriously and should be investigated by CFPB because I know I am not the only one.
Product: Credit card or prepaid card

I have had a lot of problems with Goldman Sachs and I'm worried that they loose financial transactions and then I need to spend many hours fixing problems ( last issue took 7 connections with GS and a complaint to the CFPB to resolve ).

I asked to have my account closed. I had the representative confirm that I have no outstanding balance and that there are no pending transactions. Even after that the representative wants me to agree that I will pay any outstanding balance. Given the unreliability of their previous activities, I am only willing to agree to the statement that I agree that I have paid my account in full and have no outstanding obligations to Goldman Sachs.

I am not willing to commit to paying some nebulous charges that they may " find '' in the future. I want my account closed without being held hostage to GS for any future mishaps on their side.
Product: Mortgage

Specialised Loan servicing does not allow you to speak or work wtih a single contact. Instead you have to call in and try to get someone on the phone that has no clue what is happening on your file. They wo n't transfer the account to your supposed single point of contact or asset manager stating it is their policy not to do so. If you call XXXX and enter the loan number and social you will NEVER get your contact on the phone. Instead they say to schedule a call back then no one calls back. After you submit all required documents they close the file out a few days later stating they did n't get them in time and you have to start over sighting this is the investors rules which is NOT TRUE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Here is the list of items that do not belong to me or were opened without my permission. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent you a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g ( Validating Debts ) : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

I must remind you that in my previous letter I requested the following information : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 

As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 

Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXXXXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

This consumer complaint is primarily based on KIA Finance applying inappropriately for monthly payments on account XXXX. On or about XX/XX/2021, Complainant processed payment of the said account of {$4000.00}. At which time of the last date of payment Complainant account was two months in advance in the monthly vehicle payments. When the Complainant  made the payment of XXXX, this advanced payment carried the Complainant account $ XXXX {$330.00} = ~12 months in advanced payments. This meant Complainant 's next vehicle monthly payment was not due until XXXX. The Complainant requests that KIA Finance immediately rescind all notifications to the three major credit bureaus, return all late charges levy on said account due to KIA finance inappropriately payments, and place the said account in its proper status, updated. On XX/XX/2021, Complainant spoke with a representative ( XXXX ) from KIA Collection ( XXXX ) or the arrearage Department, informing him that he could not assistance the Complainant on his account problems.
Product: Student loan

I have six payments that are " pending a manual review. '' These payments were made from XX/XX/XXXX to XX/XX/XXXX. MyFedLoans has been unable to certify these payments after repeated requests over the past two years. They just told me the current case was opened XX/XX/XXXX. I am close to applying for PSLF and these six payments will prevent me from applying for forgiveness on my proper date. These were eligible payments under my previous servicer, XXXX.
Product: Mortgage

NOT A DUPLICATE Amerisave incorrectly established the opening mortgage balance on my loan and, in addition, has not accurately posted a payment to my mortgage balance. 

On XX/XX/2020, my wife and I settled a mortgage with Amerisave. The settlement included a payoff to the outstanding mortgage of {$330000.00} and other charges/impounds/fees of {$18000.00} for a total amount borrowed of {$350000.00}. ( See Settlement Statement.pdf ).

Amerisave established the mortgage on their online serving website with an opening balance of {$350000.00} and a opening interest payment of {$260.00} for a total opening amount of {$350000.00}. ( see Loan History.pdf ) The online amount includes an additional {$31.00} ( {>= $1,000,000} - {$350000.00} = {$31.00} ) that was not included in the Settlement Statement. ( See Mortgage Reconcilliation.xls - Part 1 ).

In addition, Amerisave did not correctly apply my payment of {$3000.00} ( Check # XXXX ) in relation to my XX/XX/2020 mortgage payment. 

Amerisave claims that this payment was included prior to the establishment of the balances on their mortgage servicing website ( see Draft DMI.doc ). The reconciliation detailed above shows that the loan amount from the Settlement Statement equals the opening balance on their mortgage servicing website ( except for an unreconciled {$31.00} ). Therefore, Amerisave did not correctly apply the amounts from my Check # XXXX - or the opening balance would reflect this reduction in principal. Since the opening balance does not reflect this payment but rather the opening balance ties back to the original Settlement Statement, the Amerisave records demonstrate the payment was not applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Created a False account and even stated i still owe XXXX dollars on XX/XX/1922 my credit score was XXXX and on XXXX XXXX till today is XXXX due to this false report sent and exepted by Equifax. I also provided them with settlment agreement with both accounts with XXXX signed by a XXXX in XXXX XXXX. They claimed they did a investigation and this info is accurate. This Is XXXX XXXX and Equifax
Product: Credit card or prepaid card

I have consistently for several years been stating to First National Bank of Omaha that they are reporting a credit card account FNB OMAHA on my credit report for years, An account that has been closed and charge-off as well for years. Also, an account that I have persisently stated is a fraudulent account. Today they updated my report and stated there was a new late added on to this fraudulent account which has been closed and charged off for several years, causing my credit score to drop 60 points, how is this right? How is LEGAL to continue this BLATANT ABUSE, they ruined my credit over this account, someone please help!
Product: Debt collection

In constantly disputing to no avail, Ive continued to bring to bring to the attention of Experian, XXXX, and XXXX the erroneous debt on my credit report the charges and fees. The more I do my part in fairness the more they add or update false unauthorized information, through dates, time-frames, balances, and amounts. For instance ; Experian ( Dept.of EXXXX # XXXX is listed ( 4 ) times with different amounts and opened dates. XXXX XXXX which has ( 2 ) accounts and I've only went to the school once with absolutely no extra funds or renewal at all. 
Which should've fallen off in XXXX this year. The other has the same information and account # dated XXXX XXXX, with ( 2 ) accounts as well when I only attended once and no extra funds as well. My purpose for this complaint is to delete all the erroneous accounts but one because this is not fair. Some how XXXX and XXXX has done the same unauthorized thing. Thank you for allowing my input to be heard in all fairness. 
XXXX XXXXXXXX XX/XX/22
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents to FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform XXXX XXXX Balance : {$56000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX  % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified this items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have asked Midland Funding to validate a collection they are reporting on my credit reports from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Debt collection

There is a claim on my Credit saying I owe a Target {$430.00} for a false account I never opened. I will take legal action against Target if this is not cleared immediately. I believe my identity has been stolen.
Product: Credit card or prepaid card

On XX/XX/2019 Capital One placed a fraud restriction on my account ending in XXXX without providing me any warning. When I contacted Capital One I was told a XXXX block was placed on my account because I recently added 5 new authorized users. Capital One told me that my account would be frozen until i provided a picture of each of the newly added user 's license and social security card. I provided the requested information within a few days. When I called to see why my card was still frozen I was told that I would have to provide picture 's of government photo IDs and social security cards of every authorized user I ever added to my account from when it was opened over 4 years ago. Some of the users have previously been removed and I am no longer in contact with them and have no way of obtaining the documentation Capital One requires for these individuals. 

When adding an authorized user, Capital One does not even require a social security number, let alone a picture of the person 's ID and social security card, If they stated that such information would be required I would have made copies of the documents for each user when I added them. Now years later after 15 users have been added and some of them removed, Capital One refuses to remove a XXXX   restriction from my account because I can not provide them this information. I am able to provide the required documentation for every person that is a current authorized user, but I am not able to get in contact with the individuals that were removed as authorized users over 6 months ago. 

My Capital One card is my oldest credit account on file by 3 years, i have never beed late with a payment and the account has been paid in full every month for at least the last two years. If/when this account is closed by Capital One my credit score will be negatively affected by up to 75 points. I regularly use my personal credit score to run my business and purchase investment properties. This negative impact on my credit score could cost me hundreds of thousands of dollars over the next few years in higher mortgage, insurance, and auto loan rates, as well as the fact that I may even be denied some loans for lack of credit history.
Product: Checking or savings account

I have a lot of money in this Bank, doing business with them in excess of 20 years, My phone number has not changed in 15 years. The Bank has taken it upon themselves to deny me phone access and insists on sending access codes to my email account to which I have said NO. 


I talked to a Bank Supervisor and we received double talk, open ended solutions on when my phone would be connected to my account. The Supervisor named XXXX  ) ( phonetic for something like that name ) started yelling at my wife and refused to tell me when my phone would be connected. 

Ok, I am a 100 % XXXX XXXX  Veteran living in New Mexico, beside the handicap I have in just getting around, the Bank of America has made this a living nightmare consuming way too much time and presenting now obstacles to a XXXX Veteran. 

I complained to FTC earlier today about this so below here I have copied that part for your review. 
Please Help Us. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX New Mexico XXXX XXXX, XXXX XXXX FTC XXXX # XXXX : Bank of America managing my personal Savings and Checking Account has disconnected my phone monitoring service, will not restore it and has basically required me to connect my email account to my phone in order to receive alerts and access codes. I have a lot of money in the savings and checking account. I jave tried to access my account several times by computer and they keep sending access codes to the wrong place ( my e-mail ). I have tried to work this out by phone, my wife XXXXXXXX XXXX XXXX  being present and we escalated to a supervisor who told us flat out they can not tell me when my account will connected to my phone again. My phone number has not changed in over 10 years and i have been a BOA customer for decades. The Supervisor named XXXX ( phonetic, as I had to ask him for his name twice and he stated in the manner of the XXXX XXXX guy, like you can't see my license plate # either. ) began yelling at my wife for her behavior telling her its open ended as to when they will recognize my phone number again. That is unacceptable as I am a 100 % XXXX XXXX  Veteran and I need everyday access without difficulty to my accounts. This Bank has now ruined our weekend and our trust in the Institution. I need your help with this Institution to safeguard my funds and access to them. I am concerned the Bank is conducting a campaign RE : a " phone disconnect program '' because of inherent financial weakness and that I am feeling the beginnings of this. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed this account in XX/XX/XXXX after multiple refusals to allow me to change my payment method. There only was I was allowed to make payments on my loan was via my closed XXXX  XXXX XXXX account. 

As of XX/XX/XXXX, they have continued to change information making it worse for my credit every time. 

I feel I should not have negative credit impact for an account I attempted to pay and was not allowed to. I've disputed this with all 3 credit agencies and they just take the company 's word over mine. 

I am listed as having derogatory payments and having my amount closed via settlement. XXXX  while these things are technically true, it was via fraud on the company 's part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute to the credit bureau in question before regarding a fraudulent account on my credit report. They have been unable to resolve my situation with removing the error on my report. I attempted to contact the company in question directly without much luck. The company name is XXXX XXXX. They have a one page website ( XXXX ) with a phone number to another company named XXXX on the bottom of the page with no physical address information. I can not find their address on my XXXX  XXXX credit monitoring report. I do not know of any way to contact them. It makes me wonder how the credit bureaus were able to verify this information. It is not correct and I would like it removed from my credit report.