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

This is an amendment to my recent complaint against Santander Consumer USA. I had received loan payment extensions and was Not informed of the additional charges ( interest, late charges and other fees ). They were sent me an email about some fees but the notice failed to explain additional fees associated with my account. Additionally they did not disclose to me the terms and other info that would affect ( impact ) the way my loan was being handled. Even though they record calls they do not disclose all actions being taken which has affected my loan significantly.
Product: Credit reporting or other personal consumer reports

Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : N/A, XXXX accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, XXXX  accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX XXXX XXXX  Account number : N/A, XXXX  accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, XXXX  accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, XXXX accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit card or prepaid card

On or about XX/XX/XXXX I paid XXXX XXXX XXXX {$7200.00} as payment for work on my home, in XXXX I had paid them {$13000.00} as a deposit. Since that time I have found numerous deficencies in the work 2.5 bathrroms tile and not been sealed and caulk was cracking and falling out, new floors had paint on them, paint was not completed or poor quality, paint dumped in side yard. They installed a new tub that was cracked in two places any many others.They have been here 4 times to fix problems but have not fixed any of them. They have no interest in making it right because they have been paid in full. In XXXX I filed a dispute with my credit card Chase. A month later I called to see what the status was ... they had closed the dispute, without contacting me for any further info. I have 62 emails and photos between myself and XXXX XXXX detailing the issues, in one he agrees all these items need to be repaired. On XX/XX/XXXX I again attempted to file a dispute and called them to ask what info they needed. They said at this time they did not want the correspondence or photos, I mailed them anyway.. On XX/XX/XXXX, they sent a letter saying they would contact me if they needed anything else. On XX/XX/XXXX, I again called Chase claim ID XXXX and was told the merchant had not replied and after 2 billing cycles without an answer from XXXX XXXX we would receive a credit, They did not contact me. On XXXX XXXX, I called Chase and was told the dispute had been closed. I was advised that they needed more info from me. I have had no phone calls and one letter letting me know they had received my dispute and would be contacted if they needed more info. They have not contacted me in writing or telephone and both times closed the dispute without asking for any further info.My husband and I both have cell phones and a landline with voicemail.If any documentation is required I will send 62 emails between XXXX and Myself. I have now lost the 60 day window to dispute the initial XXXX with my bank ( XXXX XXXX XXXX paid as a deposit to XXXX XXXX, because Chase has not made any attempts to resolve this issue.
Product: Vehicle loan or lease

On XX/XX/2020, I returned my leased XXXX XXXX early under a promotional program advertised by the company. 

I was told I could turn my vehicle in 3 months early with no fees and I would not have to pay the remaining three months of the lease if I purchased a new vehicle with the company. 

I turned over the car, the keys, and signed the paperwork at the official Hyundai dealership  on XX/XX/XXXX. I purchased a new XXXX XXXX that same day. ( I made a final payment for the month of XXXX before turning the lease in, since the term ended in XXXX. ) Even though the vehicle was no longer in my possession, on XX/XX/XXXX, {$290.00} was taken out of my bank account for the XXXX. When I contacted the Hyundai finance department, they told me I needed to call the dealership because the dealership never paid them for the XXXX. 

I called the dealership. They emailed me a receipt indicating the vehicle had been turned in on XX/XX/XXXX and told me to call the finance department back. 

I called the finance department back. They had no knowledge of the early turn in program and told me I was still liable for over {$1000.00} in fees since I turned my car in early. 

I called the dealership back. They told me they left a message for the finance department and it would be fixed " eventually. '' They did not specify when, they did not indicate any sort of action being taken, nor did they let me know what to do next.

I am now liable for two Hyundai vehicles and two payments ( the leased XXXX and the purchased XXXX XXXX ). I don't know how to resolve this and I'm worried about the financial and credit impact.
Product: Credit reporting

Whenever I go on a website that lets me check my credit score, it says that they ca n't access my credit score. I 've tried XXXX and experian, but they said the same thing that they ca n't access my credit score. I type in all the information they ask for, but it still wo n't let me see my credit score.
Product: Credit reporting or other personal consumer reports

I was minor XXXX XXXX old when I caught a felony & date of conviction XX/XX/XXXX its been over 7 years Accurate report my background to XXXX XXXX XXXX XXXX XXXX me due to a old conviction also in the state of XXXX they only allow you to go back 7 years so they discriminate me & im reaching out for fair credit report act
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these Items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$2800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$910.00} XXXX XXXX XXXX XXXX  Balance : {$950.00} XXXXXXXX XXXX XXXX XXXX Balance XXXX {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance XXXX {$5100.00} XXXX XXXX XXXX XXXX Balance {$190.00} XXXX  XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$190.00} XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$890.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I havent provided evidence in accordance with the doctrine, so you may assume, under the doctrine of estoppel by silence, that there is no proof of the purported debt and, as a result, no such liability, if the debt collector has not provided the requested proof of the alleged debt within 30 days. 
In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. 

For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian and have mailed my personal information in regards to my information. My name is incorrect. Has several different names on my credit report. I have called and mailed items and still it is not corrected.
Product: Credit reporting or other personal consumer reports

My credit report has someone else 's information including former name, current address, open/revolving accounts, auto loan. His usage is affecting my credit score. I want to get this fixed. I am writing the last XXXX digits of all the open accounts that do not belong to me ( XXXX XXXX XXXX ) but are reflecting on my credit 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 - XXXX There is a closed account XXXX XXXX XXXXXXXX also which DOES NOT belong to me. 

In my entire life, I applied for one credit card from XXXX  which end with XXXX and I do not see that on my credit report. 

Now I see a XXXX XXXX XXXX XXXX which also does not belong to me XXXX XXXX XXXX and has a account number ending with XXXX. It has a balance of {$19000.00} and term duration of 72 MONTHS. How can I give this precise information about someone else 's auto loan because it is reflecting on my XXXX credit report. 

There is also a COLLECTION reported on my credit report and it DOES NOT belong to me. Here is the information : XXXX XXXX - XXXX. XXXX XXXX XXXX Original Creditor Name- XXXX XXXX IL Date Assigned-Mar XXXX, XXXX Original Amount Owed- {$200.00} Amount- {$210.00} Status Date-XXXX XXXX, XXXX Status-UNPAID Balance Date-XXXX XXXX, XXXX Account Designator Code-INDIVIDUAL_ACCOUNT Account Number- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Creditor Classification-RENTAL_OR_LEASING Date of First Delinquency-XXXX  XXXX, XXXX Coming to Personal Information the following personal information is also INCORRECT : Incorrect Name- XXXX XXXX Incorrect Former Names : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Incorrect Social Security ending with XXXX XXXX XXXX of Birth : XXXX XXXX XXXX 

And now I m listing all the incorrect Current and Former Addresses : Status Address XX/XX/XXXX CURRENT XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XX/XX/XXXX FORMER XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XX/XX/XXXX FORMER XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XX/XX/XXXX FORMER XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XX/XX/XXXX FORMER XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX I've attached the screenshots from my XXXX Account to support my request. All the information mentioned above needs to be removed and fixed asap.
Product: Bank account or service

Wells Fargo bank discriminantly assesses fees and fails to adequately notify consumers of changes in their fee structures. My savings and checking accounts are being charged fees if I do not set up AUTOMATIC transfers, even if I make sufficient deposits to these accounts for the sums allowed for monthly fee protection. Banks should be required to recognize savings deposits whether made automatically or directly during a statement cycle and should provide more notice to consumer of upcoming changes in account terms beyond a checklist always included in monthly statements.
Product: Credit card

Back in XXXXXXXX XXXX XXXX  my business credit card was used at a XXXX dealership for an amount of ~ {$650.00}. I alerted Bank of America by calling in to report the fraud and was informed that they would be looking into the transaction and creating a dispute. 

It has now been nearly 4 months and I have yet to hear from anyone at Bank of Ameria in regard to the dispute. I would like to the dispute to be handled in an expeditious manner by Bank of America and for my the charge to be credited to my account, while they investigate. 

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

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX Bank XXXX {$11000.00} closed XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, {$9000.00} closed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, {$3800.00} XXXX XXXX XXXX XXXX {$0.00}. Showing 90 days late XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$15000.00} closed XX/XX/XXXX XXXX charge off # XXXX closed XX/XX/XXXX XXXX charge off # XXXX {$170.00} XXXX XXXX XXXX {$16000.00} XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

During the first quarter of XXXX I consolidated all of my Federal Loans and applied for an Income Driven Repayment ( IDR )/ SAVE plan ( see pics from Studentaid.gov ). The amount I was expected to pay per month based on these aforementioned plans was XXXX ( see pic for amonunt ). The MOHELA group is the company the Federal government contracts with to manage Federal Student loans, i.e. repayments. I contacted MOHELA after I received a repayment request amount for $ XXXX month. On XX/XX/XXXX I spoke with XXXX XXXX. ( ID # XXXX ) who was very rude. He insisted that MOHELA had to REPROCESS my IDR/SAVE application and that he would put my account under Administrative Forebearance status, until XXXX, so this could be completed. He insisted they needed to correct errors but WOULD NOT state what the errors were. MOHELA has continued to send me invoices for repayment of XXXX per month which is now affecting my credit. They have stated to me ( with paper invoices ) that I am behind on payments. More importantly, MOHELAXXXX XXXX is refusing to accept the amount of XXXX as the determined amount of monthly loan repayment based on Federal Government/Student Aid calculations. I have attached my consolidated loan application and other relevant information to support this complaint. Thanks ahead of time.
Product: Credit reporting

I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. there is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. I, as an American Citizen - have an entire right to have this dispute, heard, managed and resolved through this portal. Prohibiting my right, by again stating something you know, and have been told numerous time previously to be false - is prohibiting me of my right and is your liability Your Comments from the previous and related dispute just filed on XXXX XXXX - are simply untrue. 

" Please be advised that Equifax will not respond to this complaint via the portal as we suspect that it may have been submitted using a credit repair company. The format and verbiage of this complaint is similar to many other complaints that we have received from consumers utilizing the services of a credit repair company or 'credit clinic '. To ensure the privacy of our response, we will send the results of our reinvestigation to the consumer 's current address utilizing our normal dispute process '' XXXX XXXX, Activity Designator Should be " Paid and Closed '' The Pay History should reflect only for the months in which this account was opened. 

When EQ manually updated this Tradeline XX/XX/2015, the Pay History was space filled with NR. 

The Comments and the XXXX listed, are inaccurate as well.
Product: Student loan

Called lender ( Nelnet ) on XXXX and again XX/XX/XXXX after receiving letter advising my requested forbearance was approved. Letter stated I would owe additional interest. Advised them I never requested any such thing. They then proceeded to advise this was on a XXXX loan ( it is {$12000.00} ), and that the {$100.00} payment would go up to {$440.00} in order for the loan ( XXXX XXXX XXXX ) which had exceeded its " time period in accordance with note to pay off. XXXX had previously been held by Great Lakes. Loan had been part of an extended payment with due date XXXX with all of the other PLUS loans I took out. Was told I was eligible due to the amount I had owed. The original lender ( Great Lakes ) imposed a moratorium in the payments during COVID and transferred the servicing during that time. Nothing in the timing has been impacted other than the fact that the COVID pause was implemented and not at my request. In reviewing Nelnet paperwork there are multiple issues one of which I just noticed. In XXXX when the moratorium was presumably lifted Nelnet sent a letter advising the loan is XXXX but all of the prior statements before it was service transferred indicate loan was for {$12000.00}. Nelnet statement of XXXX shows an extended payment with 164 payments due. XX/XX/XXXX statement shows 162 payments due. They have now switched the payoff date and on the last statement ( payment due XX/XX/XXXX ) advised that the loan is due in 24 payments. They advised my wife on the phone that in order for the loan to meet the due date the payment is now going up to {$440.00} and that it is in forbearance for two months, continuing to accrue interest. When we advised that I was not going to pay that amount nor did we agree, they advised to look at the note where it says they can adjust the payment and the due date. They also stated I could either lift the forbearance and they would debit my account the new {$440.00} payment, or they could escalate. As this is the second call and they told us I could refinance if I didn't like it, there does not seem to be the competence to handle the issue.
Product: Credit card or prepaid card

XX/XX/XXXX XXXX XXXX  History in phone ** ANOTHER Harrassing/scam call from XXXX USAA. * ALERT USAA VERIFICATION CODES can be screenshot and sent to criminals phones. I DO NOT KNOW IF THIS IS MY SECURITY BREACHED SCAM CALLS ( XXXX  PHONE BREACHED AGAIN ) OR HARRASSMENT FROM USAA COLLECTION ATTEMPTS ON ID THEFT REPORTED XX/XX/XXXX WHEN IT FIRST OCCURRED. EITHER WAY THIS IS NOT SAFE.!!! I have reported this to FCC. and notified the local police. 
I DO NOT BELIEVE USAA TEXTS ARE SAFE.
Product: Student loan

This our XXXX case we were forced to open with Discover as they completely ignored the issue citing unfounded claims. I have had an ongoing issue with Discover. They reported incorrect enrollment dates for XXXX and residency, based upon which I was charged exorbitant late fees while in school deferment periods. We have also had issues with premature capitalization occurring while I was in medical school, as well as multiple erroneous and fraudulent capitalizations on same loan during valid in school deferment status. At this point we were informed that Discover has changed their records to erase evidence of the school status. We tried resolving the issue with Discover directly and have been " bounced '' around from specialist to specialist, finally dealing with XXXX XXXX in the Executive Offices. She was both aggressive and antagonistic when I asked how to help resolve these issues. We decided to involve the CFPB instead of a lawyer at this time as we can not afford to pay hourly fees for legal representation. We have been charged exorbitant amounts of money and we are certain that Discover is guilty of fraudulent record keeping and egregious mismanagement of my Student Loan accounts. 
XXXX XXXX XXXX
Product: Debt collection

Noticed debt listed on credit file, sent several letters requesting validation of debt over past 4 months. I have not received any communication from this collection agency. I never received a notice to dispute this debt. Under the FDCPA this is a clear violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account XXXX  # XXXX : XXXX XXXX  # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charge off that has been reporting on my credit report since XX/XX/2021 the creditor is XXXX XXXX XXXX XXXX account # XXXX I have no knowledge of this account in I believe I am a victim of identity theft
Product: Credit reporting

I had a state tax lean put on my credit file with Equifax. I got notified of the public record, because I moved and never got the notice. After tracking down the source, it was a system error, they released the lean and I filed it with the record of deeds. Equifax reported it paid/released. I was then told after looking into it again it would be removed. The other XXXX agencies removed, but Equifax says they verified it. Using the information on the report, they could not even find a lean for me, so therefore they did not verify it with the information they provide me. Telling them this, they offer to dispute it again, giving the same result. How did they verify using the information provided, information that I cant verify using information supplied by report. I want it removed as it should of been a long time ago
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax seemed to ignore my appeals and neglect its duty to comply with the FCRA section 605b. I've been asking for a remedy about this matter but I guess XXXX is oblivious for they have again neglected my concern. You asked for Documentation and I have given it. And now, Im attaching the required FTC Report again for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... PLEASE DELETE IT NOW! 

XXXX XXXX XXXX XXXX XXXXXXXX