23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX Credit card showing up as unknown payment history, unknown account status, unknown credit limit on my Experian Credit report but 2 months ago it said exceptional payment history and a XXXX dollar limit. I used the card every week since XX/XX/2021 and paid off everything as soon as they posted to my account. XXXX XXXX XXXX is saying they don't know why Experian is saying that because I have no balance and no one at Experian ever picks up the phone. It always says no one can take your phone call. I did a dispute with Experian and they said they aren't changing anything. Two months ago this dropped my credit score by XXXX points. I can't see my XXXXredit score on XXXX or XXXX.
Product: Credit card or prepaid card

Emails from Synchrony Bank aka Sam 's Club credit card contain invisible trackers even in most service related communication. These spy trackers ( also known as XXXX XXXX XXXX XXXX ) are with domains like XXXX XXXX XXXX  xxx and invisible by design. Such trackers usually collect IP address, location, time of opening the emails, device type and operating system, forwarded email address. Being unconsented, these are examples of breaking receipts ' trust and AFAIK violations of all privacy laws.
Product: Mortgage

Nationstar Mortgage became servicer of my mortgage for XXXX XXXX XXXX. While I was doing a modification with Nationstar/Mr. Cooper ( now ) XXXX filed foreclosure had a sale etc. sold property at sale did not notify me or my attorney at that time also I was in CH XXXX/Bankruptcy. When we went to court had sale vacated, the purchaser was refunded his money and the Deed was deeded to me. That was almost 4 years ago, but this was not really a clear title. Contact with XXXX and Nationstar both denied the sale action. I have correspondence to prove it. I have tried to get status from Nationstar to know avail. Now the HOA is trying to foreclose ( dues ) put lien on property, I went to Nationstar again, this time after 4 months they admitted the mix up/wrong not in writing. Said I could stay in house until I die no payments, but if I sell would have to do a short sale, with no funds to me. I am trying to get a loan etc or sell to pay HOA but I really did n't pay because not sure of ownership but can not because of this problem, HOA O/S is about 7K but about 25K in attorney fees another issue over the limit of fees for this case. This is in Florida HOA filed.
Product: Mortgage

Hello my name is XXXX XXXX I had a loan with BSI Financial that was transferred from XXXX XXXX XXXX in XX/XX/2021. When I was transferred over there was a negative escrow of - {$35.00}. I paid off loan XX/XX/2021 from a payoff statement of {$2900.00}. My normal payment is the 5th of every month so I paid the XXXX payment of {$87.00} i sent {$100.00} as I have since I had the loan. Then on XX/XX/2021 i PAID the payoff of {$2900.00}. This gave me a escrow balance of {$110.00}. I called about the refund from escrow and was told on XX/XX/2021 that refunds are sent 15 days after payoff. I told her it was paid XXXX and today is XXXX so its been 15days. She informed me that the refund would go out next day. I did receive a check for {$62.00} which left {$47.00} in escrow yet to be refunded. I have emailed them twice with no response. Today I am told that the invest says I came over negative ia the {$47.00} will go to the negative escrow. the negative was brought to positive starting with my XXXX statement, I am due the {$47.00} because per enclosed statements i no longer have a negative. 


BSI Financial Services XXXX XXXX XXXX XXXX / XXXX  XXXX  XXXX XXXX XXXX XXXX, PA XXXX Toll Free XXXX Fax XXXX XXXX
Product: Checking or savings account

On XX/XX/2020 I checked my balance and transactions. My available balance was approximately XXXX, I purchased a part at XXXX for {$100.00} at XXXX XXXX on XX/XX/2020. On XX/XX/2020 I checked my account and there was a charge from XXXX for {$6.00} that had been purchased on XX/XX/2020. The XXXX purchased was moved to XX/XX/XXXX and an over draft of XXXX was charged on XX/XX/XXXX. I contacted the bank and XXXX said he would bring it to his manager. Then on XX/XX/2020 Ichecked my account and there was another overdraft charged. I called the bank and spoke to XXXX ( who identified herself as branch manager ) she apologized for not returning my call in timely manner. I attempted to explain to her what was wrong and she said she could not refund the charges and I need to understand how bank accounts work. She tried to tell me that the XXXX charge caused an overdraft before the XXXX charge came in. At that time I had XXXX something in the account ( so no overdraft ) but I was charged one. The next day because they moved the purchase to the next day they charged me another XXXX overdraft. 
I can do math and there is absolutely no way there was 2 overdrafts!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent off a letter regarding my personal information. The tracking number is XXXX.

To remove personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. According to 15 USC 6802. No financial institution is supposed to share any information to any third party without my permission. These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Liens Reported Date- StatusUnknown Amount {$1100.00} Case NumberXXXX CourtBEAUFORT CNTY RECORD THIS WAS EXSPONGED BY XXXX COUNTY I SENT COPIES OF CONFIRMATION OF ACTION TAKEN BY XXXX COUNTY EXPERIAN IS STILL SHOWING IT AS ACTIVE OTHER CREDIT REPORTING COMPANIES HAVE REMOVED IT FROM MY RECORD
Product: Debt collection

this collection agency is o my credit reports several times for the same thing. ive never done business with this company, never even heard of them till they started contacting me, and they don t use their name when they contact me, but o my credit reports its shows XXXX XXXX  and jefferson capital and jeffcapsystms for XXXX and for XXXX
Product: Debt collection

Please be advise i have debt on my credit report which couple time i complain to XXXX XXXX and told them was in XXXXXXXX XXXX XXXX XXXX  THERE sent me letter that this was settle. The promblem is continal backs alot of crdit cards. But the collection co TRIDENT ASSET MGR I send the letters and phone calls, AND if you go on there web site you see that alot people has the same problem. and call them you only get a voice mail and no get back to you. Plus i never got a collecton letter from them. 

thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently paid a loan off that I originally opened with XXXX XXXX XXXX back in XX/XX/XXXX. The account was sold to Monterey Financial shortly after I opened the account. Monterey recently reported my account as late 30days, stating I hadn't made a payment inXX/XX/XXXX. I have talked with monterey several times this year and they have never said that my account was missing a payment until today XX/XX/XXXX, when I asked why did I receive a late pay on my credit report at the end of my loan payment which I made on XX/XX/XXXX, for {$190.00}. I was told by the rep that I missed a payment in XX/XX/XXXX, and that the missed payment is the payment I made on XX/XX/XXXX, and that is why we reported you late 30days from XX/XX/XXXX. I received this correspondence via email on XX/XX/XXXX, after 2years.
Product: Vehicle loan or lease

My Name is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX XXXX On XX/XX/XXXX I purchased a XXXX XXXX XXXX for XXXX on XXXX XXXX XXXX XXXX, NC XXXX for XXXX the total loan with Santander US {$26000.00} ( Contract # XXXX ). I traded XXXX XXXX XXXX I know that I had a little negative equity in the car. I financed with Santander USA and my first payment was to start XX/XX/XXXX of {$600.00} for 72 months. I have been making my payments no ( 30 ) days late for over ( 2 ) years and I still owe a huge balance and it seems to be getting larger. I have pay {$14000.00} in payments and they have applied {$9800.00} in interest and still my balance is {$21.00}, XXXX It appears that Santander USA has been over charging me by adding a higher interest rate and applying some payments all to interest and other over 50 % of my payment to interest theres not any consistency. The first year my loan appeared to be going down then the second year it went back up and has stated up. I have had my car appraised and from what I owe Santander Im {$10000.00} upside down in my car were I will never be able to get out of it. Also, they just updated my balance on my XXXX  credit report {$22000.00} and the statement as of XX/XX/XXXX which is attached states {$21.00}, XXXX and terms showing 75 Months. 
This company has over 1,900 complaints with the XXXX and it responds to those complaints. Santander USA has misled me about the cost of the loan due to them putting my 1st payment on XX/XX/XXXX all {$600.00} towards interest and the 2nd one all but {$44.00} whole payment at times into interest. In the second year Santander started putting whole payments in interest and other payment over 50 % of the payment in interest again and thats when I notice that this is unfair high interest loan lending practices. They have me showing {$36.00} in late fees throughout the time I have had this loan. 
The way they are applying interest and principal payments is a way to throw you off so it will seem that its coming down but its not. Lender has hide and misrepresenting the true cost of the loan terms it appear they are having my terms at 75 month instead of 72 months also. This appears to be a scam instead of a true financing company. 

I have attached copies of the payment activity on my account # XXXX and other supporting document that might be helpful to resolve this issue. 
You can see how they have just applied what ever they wanted to apply my payment. 
I would like a resolution by Santander to correct the payments that are misapplied and for the correct interest that should have been going to interest. Also, correct the terms and the corrected balance on my credit reports. 

Thank you.
Product: Checking or savings account

Wells Fargo. Closed credit card suddenly " reappeared '' and generated fees, had a fraudulent charge from " XXXX ''. Neither the card nor statements were accessible to me on the website nor on the phone app. I called and discovered this card is generating interest... I paid it off and disputed the transaction. Nothing got disputed and I continued to not be able to access online statements regarding this resurrected card. 

I tried closing my Wells Fargo savings account and sent ACH withdrawal request to my linked bank with the next business day transfer. Instead of the transfer out, they magically transferred that amount IN! And then froze it. Nothing is moving in or out and I'm not able to close this account which is generating maintenance fees... The customer support is backed up and can not cancel this transfer... I just can't seem to be able to free myself from this horrible bank. 

In the past they also made me pay 6 months for a " deposit box '' in another state that they refused to close. They just constantly do this kind of stuff... I would like to see that bank stop its existence.
Product: Money transfer, virtual currency, or money service

My account was closed and they accused me of going against their privacy act. I had a XXXX balance was not able to retrieve. Filled out an appeal that the robot virtual customer service agent requested. They denied my identity verification having me upload my personal id and take a selfie. My account was closed around XX/XX/year>. No number to contact them to resolve this matter.
Product: Debt collection

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. On XX/XX/2017 I, XXXX XXXX Federally protected Consumer and Natural person extended credit to Wellsfargo Bank using my credit card ( 15 usc 1602 ( l ) ) They furnished a deceptive form ( 15 usc 1692 ) to create the false belief in the natural person which is myself that I owe an alleged debt when it was in fact a consumer credit transaction. I sent Wellsfargo a notice to cease and desist and a notice to validate the debt which they have failed to abide by. Wellsfargo Bank is now civilly and criminally liable for violating my consumer rights. Wellsfargo has yet to resolve this matter.
Product: Debt collection

On XX/XX/2023, I reached out to Caine & Weiner to question the validity of their claim that I owe {$530.00}. The issue is, I have no knowledge of Caine & Weiner, nor have I ever engaged in any transactions with them. To clarify the matter, I asked them to provide me with evidence of a contract or agreement bearing my signature, but they failed to do so. 

To my surprise, instead of providing the requested proof, I received an itemized document from an account associated with XXXX XXXX XXXX that had already been closed for quite some time. What adds to my concern is that I haven't held an auto policy with XXXX for more than six months. Moreover, the negative listing has been twice placed on my XXXX profile, causing me significant trouble in securing student loans for the upcoming Fall semester. 

Despite sending three letters in an attempt to resolve the situation, I find myself at a loss as to what further steps to take to rectify the matter.
Product: Checking or savings account

Give me around 2 to 2 1/2 months ago I was having problems, accessing my checking and a savings account and online banking. There were charges made on my account that were not mine. When I received the notification of unusual activity by the time I was able to try and reply via text or online app, I have been locked out of my account. I visited several branches and spent numerous amount of time with the managers trying to access my account. I was told that everything was resolved over and over. 

I was able to get them to investigate a few transactions which they determined were fraud and then went back and said they were not fraud and charge back my account. Theres a course of this investigation it has been determined that this was not just an ATM or debit transaction that this was actually an identity theft situation. 

Not only do the thieves seem to have access to my account numbers but they have made changes and have access to my XXXX XXXX XXXX  account. My XXXX XXXX, my XXXX XXXX email my XXXX account as well as my XXXX XXXX  account. With his bank account they have been able to withdraw a substantial amount of money at ATMs. They also have apparently. 

At this time, apparently they are still able to access my account however, I am not. Finally, I love todays date I was able to game accessed online, however calling fraud. They were unable to help me once again. And they referred me to the local branch. I have been to the local branch three times, unable to get reservation because they are unable to access the online as well. 

We have been doing business with Bank of America since it was XXXX  XXXX, then went with nations bank and finally now Bank of America for over 30 years. 

I would like these transactions verified, as well as the phone calls that are supposedly record it with fraud to see who is taking control of my life, my money and my accounts.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate late payment entry on my credit report, as allowed under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). I believe this information is not correct, and I am requesting that you investigate this matter promptly.

The item in question is a late payment reported by XXXX for the account number XXXX. The late payment is reported as being dated XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, and I firmly believe this is inaccurate for the following reasons : _ There may be a clerical error.

_Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal.

I would like to point out that these late payments are reported to only two credit bureaus and do not appear on my XXXX report. According to law, if the information is inaccurate or incomplete, it must be removed or updated accordingly.

I also wish to highlight that under 15 U.S. Code 1681s-2, furnishers of information are obligated to provide accurate information to credit reporting agencies. Given the circumstances outlined, I respectfully request that you take the necessary steps to remove this late payment from my credit report as it does not reflect the true nature of my payment history.
Product: Vehicle loan or lease

Company failed to provide date, time, and location of sale of repossessed vehicle as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : The both XXXX and Transunion Credit Bureaus have failed to verify the two accounts listed below within the allotted time per the standards of the Fair Credit Reporting Act ( FCRA ). 

Background : I filed a dispute with ECB per the FCRA, Section 609 ( a ) ( 1 ) ( A ). In my letter, I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file for these accounts. In my dispute, I also demanded the two accounts be Verified or Removed immediately : Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Additional Facts : Both XXXX and Transunion received Certified Letters on XX/XX/2020 ( See Attachment ) Deadline to Provide Verifiable Proof : XX/XX/2020 As of XX/XX/2020, Neither XXXX or TransUnion have provided Verifiable Proof that meets the standards of FCRA, and these two accounts still remain on both my XXXX and Transunion credit reports.
Product: Consumer Loan

Greater Suburban Acceptance is reporting incorrect Information to all XXXX of my credit bureaus. I 'm requesting that they send me all documentation. The car was repossessed and sold. 
1. I need the original documentation on the loan agreement 2.I need the information on the price the car was sold for 3. I need proof of the difference in balance that they 're saying I owe them 4. I need a direct person to talk to if I have future questions in regards to this loan
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX DPT EDXXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get an Equifax report for over a year. They are the ones that had my information in data breach. I have identity theft and I had major issues that still affect me and they will not give me my report