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

Since my loan began in XXXX, I have been a very loyal and timely loan customer through Santander. However in XXXX, I've suffered a series of medical and financial hardships but I've always stayed engaged with my loan payments -- paying when & what I could on a monthly basis. Beginning in the summer of XXXX, I began to receive very bad service from the representatives when speaking to them regarding my loan. Many of the service representatives were unable to answer basic questions related to my policy and often gave me incorrect information. The service responses became quite glaring and threatening in XX/XX/XXXX. When I attempted to make a payment using Santander 's online portal I was denied repeatedly in making basic payments without a fee. The system was repetitively declining my request and I contacted the customer service who began to give me the complete runaround on a recorded phone line. When I asked for the matter to be sent to their executive team I was told I would get a return call within 2 days. 3 weeks later on XX/XX/XXXX I contacted Santander to speak with someone in the executive team. XXXX answer the phone. She denied me a payment arrangement and a loan deferral. I offered to pay {$290.00} by the end of XX/XX/XXXX to bring my account under 60 days late with an initial payment of {$120.00} the first week and then the remaining balance by XX/XX/XXXX. XXXX denied my offer to pay what I could and help me to bring the account current " telling me that's not enough money ''. XXXX XXXX and thereby Santander ) also denied me a loan deferment to catch up with my payments against my consumer rights. My last loan deferment was initiated in XX/XX/XXXX, 9 months ago... And it is now XX/XX/XXXX. I'm requesting CFPB to pull the recorded phone calls ( by law ) to evaluate the harmful loan service I am receiving and hear Santander deny me fair & proper means to repay my loan while also denying a loan deferral to stabilize my loan payments.
Product: Debt collection

On XX/XX/2023, I sent in a Lawful Notice of Dispute, I gave the company a period of ten ( 10 ) days from the date of your receipt of my notice and if not then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action. It's been over a month and they still have yet to provide this information or to delete this information from my credit report. They are now in default. They are also violating Fair Credit Reporting Act ( F.C.R.A. ), Violation of the F.D.C.P.A., Defamation of character by reporting this debt on my credit report while also violating 15 U.S. Code 1681b since they never got my permission to report this in writing, and also, the use of my copyrighted property. Their lead supervisor even admitted to committing fraud.
Product: Debt collection

THIS ACCOUNT ARE FRAUDULENT OPEN BY SOMEONE WHO STOLEN MY IDENTITY, FRAUD ACCOUNTS THE ACTION THAT WERE TAKING FTC.GOV REPORT AND A POLICE REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against SELF Lender and Credit Reporting Agencies ( CRAs ) XXXX, XXXX and XXXX for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like XXXX and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law. XXXX {$990.00}
Product: Credit card or prepaid card

my insurance company paid for my rental while my car was being worked on. I provided my credit card for incidentals only, as described and agreed with XXXX. The insurance company issued full payment of $ XXXX to XXXX and the car was returned without damage and adequate fuel. Weeks later, XXXX charged me thte full rental amount. I confirmed XXXX had already funded this rental, and XXXX cashed their check. XXXX refused to provide a refund, and Discover has declined my dispute request, even with adequate documentation from XXXX showing they already issued payment to XXXX. I feel unheard, and thrown about in this situation, with Discover not honoring their -zero-liability claim. I did not authorize this transaction from XXXX, and Discover is asking to " prove '' I did not, which is impossible. Please help me.
Product: Money transfer, virtual currency, or money service

Cash App created the conditions for fraud to proliferate on its popular payment platform,
Product: Debt collection

The Facts : 1 ) Regarding debt NCAC i.e. XXXX XXXX paid XXXX/XXXX/2015 in the amount of {$370.00} 2 ) Request for item to be removed from wife 's file was successful. Received confirmation letter from XXXX. 

The Issue now : per XXXX - NCAC must do request process for husband for item to be removed from his file. 

Requesting NCAC submit request to remove item from husband 's file. 

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

I took out a personal loan with this company to pay off some credit card debt, etc. in XXXX, I was fired in XXXX of that same year and I was having financial problems to the point of not being able to pay timely. In XXXX of XXXX, I lost my job as they were trying to make the arrangements to help me repay this debt and get back on my feet. However, I was denied unemployment along with no financial assistance due to having friends and family that disowned me due to my financial situation as they felt I never learn. My family disowned me due to my XXXX  lifestyle telling me that I was an " abomination '' to them and a dirty sinner. I was also evicted from my home along with losing my vehicle, I have not had a place to live since XXXX of XXXX, they continue to send mail anyway and my former landlord explained to them MULTIPLE times that I was not allowed to have mail UNLESS pre-approved to do so and they CONTINUE TO LIE on top of EVERYTHING else. I was going to repay the debts out of Goodwill, but Upgrade the original creditor CLAIMED that COULD NOT accept payment for the personal loan account, I called them in XXXX to arrange payment having spoken to SEVERAL representatives, they claimed they were investigating the account for my debt forgiveness/repayment plan and THEY LIED ABOUT SELLING THE PERSONAL LOAN to XXXX XXXX XXXX XXXX  in which they sold my credit card account that I had with them as well. I opened the accounts to rebuild my credit and I was going to use the credit card as make a down payment on a vehicle that I wanted to acquire and go from there. I had EVERY intention of repaying this debt and NO intention of this situation escalating to a financial situation that was BEYOND my control. This issue has triggered my XXXX and other mental health issues causing me to be on medical leave and five medications. This issue HAS ALSO made me want to attempt suicide SEVERAL times. I have NO money for therapies as I am trying to get back on my feet with stable income, a place to live and a vehicle. 

Thank you for your understanding and attention to this matter. 

XXXX XXXX
Product: Credit reporting

Call Trans Union customer service they were not willing to help did not authorize inquirys would like credit bureau to provide name number and extension and reason inquiry is not deleted here is a list XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX. XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX. XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Product: Checking or savings account

XXXX was always taking fees saying they were monthly fees for an account. Why do I have to pay a monthly fee to keep my money in your bank that doesnt make sense to me if Im giving you my business I shouldnt have to pay you for my business so they kept taking fees, and I kept having to call them about the fees
Product: Credit reporting or other personal consumer reports

I am submitting this formal statement regarding Experians failure to properly investigate disputes in accordance with the Fair Credit Reporting Act ( FCRA ). Despite my repeated efforts to dispute inaccurate information on my credit report, Experian has failed to conduct a reasonable investigation and has continued reporting erroneous data. 

Experian continues to respond within 24 hours stating that the accounts are accurate without proper investigation and proof of accuracy.

Disputed Account ( s ) : XX/XX/XXXX Texas/XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX and XXXX XXXX XXXX to recent findings from the Consumer Financial Protection Bureau ( CFPB ), Experian has been found to improperly handle consumer disputes, failing to conduct thorough investigations and often maintaining inaccurate data despite clear evidence to the contrary. My experience aligns with these findings, as Experian has either dismissed my dispute without adequate verification or has not responded within the legally required timeframe. 

Under the FCRA ( 15 U.S.C. 1681i ), Experian is required to : 1. Conduct a reasonable investigation of disputed information.

2. Correct or delete any inaccurate, incomplete, or unverifiable information.

3. Respond within 30 days of receiving a dispute.

Experians failure to comply with these legal obligations has caused undue harm to my credit profile, potentially affecting my financial standing, loan eligibility, and overall creditworthiness. If Experian does not take immediate corrective action, I will escalate this matter to the CFPB, Federal Trade Commission ( FTC ), and, if necessary, pursue legal action for violations of the FCRA.

I demand that Experian immediately conduct a proper investigation, correct or remove the disputed information, and provide written confirmation of the resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I, XXXX XXXX was denied an extension of credit by Truist. On XX/XX/2022, I applied for Truist XXXX XXXX Credit Card.
Product: Debt collection

In XXXX, a credit card was opened under my name for the following account XXXX XXXX  The account spent an amount of {$5300.00}. I notified the credit bureau fraud teams and XXXX immediately, and the account was promptly closed. However, a collection was opened for this exact amount ( {$5300.00} ) under " JEFFERSON CAPITAL SYST '' in XXXX, even though the XXXX account was previously closed and removed from my record.
Product: Checking or savings account

I currently operate under the merchant account XXXX which was established in XXXX. To my knowledge, this is the only merchant account which I have operated under. 

In XX/XX/XXXX, during a visit to a branch on XXXX XXXX XXXXXXXX, an employee informed me that my current device ( XXXX  ) was outdated and that I would need to upgrade. I agreed to sign up for the new device at that time and was willing to pay for the device with three payments of {$170.00}. Since the employee suggested I could continue to use the XXXX  device until it stopped working, I did and I have never unboxed or used the new hardware that was sold to me. 

During a recent account audit, I noticed several charges from XXXX. At this point, I discovered that the employee who sold me the merchant hardware also created an additional merchant account XXXX. 

I am requesting that my account and scenario be reviewed for the following reasons : The sales tactics resembled a bait-and-switch I was lied to about having to purchase new hardware when my existing one still works, over 5 years later A new merchant account was set up as part of this process without my knowledge Merchant account XXXX has never been used The hardware purchased in XX/XX/XXXX has never been used Attached you will find all fees associated with the hardware and unwanted merchant account which totals {$2900.00}. I am requesting that this be credited in full due to the misguidance of the employee.
Product: Student loan

On my credit report, my federal student loan serviced by Navient shows delinquent payments. During this time my loans were in forbearance. Navient sent emails to me asking if I wanted to place my account in forbearance with the directions of " simply reply yes to this email '' and that's what I did. XX/XX/XXXX and XX/XX/XXXX should not show 90 and 120 day late payments because the forbearance was in place.
Product: Credit card or prepaid card

Obtained Discover credit card ..XXXX, XXXX Made a {$4600.00}. balance transfer at that time. 
0 % interest on balance transfers and purchases. 

Have paid monthly purchase charges on statements in full and included an additional amount, assuming the extra money would be applied to the balance transfer amount due. 

On XX/XX/XXXX, and again on XX/XX/XXXX, I was told the extra money was applied to other charges made to the account.. 

Why are my payments in excess of the purchases amount shown on the monthly statement not applied to the balance transfer amount due?
Product: Credit card or prepaid card

This is regarding my Bank of America XXXX  XXXX XXXX card, approved and received on XX/XX/XXXX, and for which I paid an annual fee for. 

Even though I paid the annual fees, Bank of America unilaterally closed my account without any explanation on XX/XX/XXXX, thereby denying me services that I had already paid for. 

My account was never in default, the account never extended its credit limit, or otherwise breached any terms of the contract. 

Please either reinstate my account ( preferred ), or provide a detailed justification for the closure of the credit card ( I have been unable to get a reason when calling in customer service ). 

Also provide a refund of the annual fees given that services paid for are not provided, which is a deceptive and unfair consumer practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, JPMCB - CARD SERVICE add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020 and XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 Wells Fargo Bank Re : Complaint for not returning wire as recalled name not matching account Your Account Holder : XXXX XXXX - Attention Wire Dept : My name is XXXX XXXX XXXX, your customer and account holder. On XX/XX/XXXX nd XXXX, a wire transfer was sent out from XXXXXXXX XXXX XXXX XXXX to Wells Fargo Bank which represent the proceeds of my sale where escrow was closed at XXXX XXXX XXXX in XXXX, Arizona. I am the rightful owner of this money per the attached closing statement. I am requesting that you immediately pull my funds from the wrong account and return the money by wire to XXXXXXXX XXXX XXXX XXXX. I am requesting that you honor the recall request from XXXXXXXX XXXX XXXX XXXX immediately. I relieve you of any liability for pulling money funds out of wrong account. This is my money and it seems like you are trying to give my money away. I expect a response as soon as possible. The wire was sent to my name ( XXXX XXXX XXXX ) with the wrong account to Wells Fargo Bank and your bank should have rejected the wire because name and account didnt match. Your bank wrongfully did not reject the wire. On XX/XX/XXXX th a reversal of the wire was sent from XXXXXXXX XXXX XXXX XXXX to Wells Fargo Bank to return the money however your wire department has not responded. Today is XX/XX/2023 and so far, you have not returned the wire. Due to this happening, I am Living in a tent and I have serious XXXX XXXX and this situation is worsening my health. I am not doing well at all. I should have had the money by now. I am further attaching information of the wire and recall notice from XXXXXXXX XXXX XXXX XXXX. 

I expect you to honor my request and return the wire to XXXXXXXX XXXX XXXX XXXX as recalled so that they may re-send the wire to my correct account number at Wells Fargo Bank. 

I am your customer for many years and I expect that you treat me as a good customer that you want to keep. I will not allow you to give the proceeds of my sale to another person. This will not be tolerated. I expect a response from you as soon as possible.
Product: Mortgage

On XX/XX/XXXX I received a letter from Wells Fargo Home Mortgage that our account was in default for XXXX months. My wife XXXX XXXX handles all of our bills and payments. She was in CA at the time so I called her to ask about the missing payments. She was shocked and said it 's impossible because our mortgage is set up on Automatic Bill Pay through our Wells Fargo Bank Account. Our mortgage is also with Wells Fargo. She called WFM and it was determined that XX/XX/XXXX and XX/XX/XXXX 's payments were mailed to XXXX ( the originator of the loan XX/XX/XXXX ). Through research with a WF online banking representative, it was determined that somehow the system sent the check to XXXX rather than Wells Fargo like it had been for the past several years. A claim was filed and the money was returned for payment to our mortgage account. In addition, WFOB reversed all fees due to the system error. WFHM was also satisfied. However, my credit report shows that I was more than XXXX days late on the payment for this time. My wife and I have written several disputes to WF Credit Bureau disputes department and we 've included documentation. They have replied XXXX times with there will be no changes, they feel they are reporting accurately. I 'm shocked by this, considering we have our mortgage and bank with Wells Fargo. It is very clear that payment was made both months ( they reported one month as fine ) and an error with Online Bank caused the payment to be sent to the wrong company. It is clear that I am not going to be able to get this matter resolved directly with Wells Fargo. Our bank statement clearly shows payment made to mortgage as well as fees reversed for error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, So XXXX XXXX XXXX. should be seriously questioned about their business practices. I applied for a loan with XXXX XXXX during the pandemic and a time of struggle and uncertainty. I had a trouble paying the loan, and therefore was put on a financial hardship plan and it was AGREED no late payments would be reported if i paid on time. However, what they fail to mention is that you can never and i mean NEVER, get ahold of anyone at the customer service number and the website is not accessible. I could not make my payment with my checking account as i was dealing with fraud and i told them i had to use a credit card. They told me no, did not work with me and have since reported 5 LATE PAYMENTS!!! What kind of company doesn't take a credit card, and oh yeah, I've disputed with the credit bureaus, I've called XXXX XXXX, hired a repair agency and nothing. They now say they don't even do financial hardship 's and that i never should have had one? what kind of business is this? i've never been late and i request all late payments be removed. Not to mention, they've taken over 30 day 's to respond and still not remove it... .that is illegal!!!!!
Product: Credit reporting or other personal consumer reports

I recently viewed my consumer report and was aware that there are several accouns that are not reporting accurately. I'm request this accounts that I have listed be removed from all my consumer reports to prevent further litagations. I did not consent to any ofthe informtion to be reported which is a viloation. 

XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The first dispute occurred while I was on XXXX XXXX for the XXXX in XXXX and XXXX of XXXX. I was not allowed to use a computer or able to access my mail to pay my Discover card bill during this time. I made a dispute with all 3 credit Bureau and Discover Card and they refuse to help or remove the error based on the circumstance. My account has been paid and in good standing since then and shouldn't be on my credit report due to the fact that I was not aloud to use a computer per orders from the US Govt at the time. I have uploaded my orders to this file. The second dispute I have is with a company called XXXX XXXX XXXX Account XXXX which was just placed on my credit report as of XX/XX/XXXX. The debt is from a company called XXXX XXXX. They say that I owe them {$1100.00} for a normal physical I had got last year XXXX. A physical that my XXXX XXXX  should have paid for. Even XXXX shows I had active and valid insurance during this time. XXXX had sent me a bill for this physical for {$260.00}. I made a complaint with them about this because was and issue with my XXXX insurance not being active at the time because I had just got off XXXX XXXX orders in XXXX of XXXX. I ended up paying the out of pocket cost of {$260.00} back in XXXX of XXXX. I uploaded and provided a screen shot of the paid bill and a XXXX balance on my XXXX account per their app. Which is the same cost for the physical that I had one month ago. 

This is related to complaint # XXXX