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

On XX/XX/XXXX I purchased a XXXX XXXX which was financed through Santander Consumer USA with monthly payments of {$510.00}. During this time, I have filed 4 emailed complaint, 2 written complaints, numerous phone calls to complain about the amount of money I have paid for this car to still owe over {$14000.00} as of XX/XX/XXXX. The monthly payments are {$510.00}, but I never understood why my principal has never gone down no matter how much I pay. During this time, I see that of the {$510.00} payments that I have made, if this is not paid on the due date almost none of this payment goes towards my principal. This loan was not designed for me to pay it off, but to continue in debt with no financial means to fix my vehicle when needed. I tried to refinance my loan but because the balance was so high the 2 companies that I went to after reviewing the loan declined because I could not pay the {$9000.00} deposit needed. Over a year and half ago I reached out have my due dates changed, I had experienced a national disaster and my home getting struck by lightning. When I reached out to Santander, they advised me they could not help me. I had not had any late payments reported to the credit bureau until I asked for assistance. Because the payment date change that I requested was not granted, Santander reported me 30-59 days late to all major credit bureaus XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have sent my payment information, my dispute of what Santander said I owed, and now that they have destroyed my credit and trapped me in this outrageous and unfair trade practice loan, I still am in debt on a car that is worth less than {$4000.00}. This loan is now 5years and 8months old, how can me paying {$510.00}. for this length of time does not pay for this car. Why have they practiced unfair and bias trade practices to me throughout my loan process. They do not offer any modifications, and when I purchased my car, I truly was not made aware that if the loan payment was not made by the due date that it may be no money at all that goes on my principal. I was never made aware of that at all, and unfortunately, I was diagnosed with XXXX  which is why I feel that I was taken advantage of. I work extremely hard to pay my bills as I agreed too, but this company is robbing consumers, taken advantage of the underprivileged, and placing me in a loan that was never designed for me to pay it off. I made my last payment on XXXX XXXX in the amount of {$520.00}, but {$210.00} went towards the principal and {$290.00} went towards interest. Why are they still applying this kind of money towards interest? Inflation, unfair trade practice, deceptive trade practice, and designed for consumers like myself to fail in the auto loan they tricked me into. HELP PLEASE
Product: Debt collection

XX/XX/XXXX - Initially, a debt collection showed up on my credit from a Capio Collections, this collection was originating from a XXXX XXXX XXXX for {$270.00} back in XXXX. As this was past the Texas Statute of Limitations ( 4 years ) for reporting a collection debt and I had no previous knowledge of it, I disputed it at the recommendation of my legal rep. It was removed from XXXX based off this information. 
XX/XX/XXXX - I then received a bill from Capio ( again, hadn't heard from them PRIOR to them illegally putting a negative account on my credit report ) AFTER they got removed from my report. This is still past the statute of limitations & I still dispute the bill period. But I also know not to engage the entity directly as this can cause adverse actions since this weird law is now in effect that we protect businesses but not consumers. 
XX/XX/XXXX - a collection from a Asset Care showed up on my XXXX and my XXXX for the exact same originator and amount = XXXX XXXX XXXX {$270.00}. STILL against Texas statutes and still not legal, still disputed. I disputed with XXXX and XXXX, same dispute facts w/ add'l info about Capio from XXXX. Removed from my reports. Was recommended by reporting agencies to report the Asset Care entity to Federal Trade Commission/CFPB. 
XX/XX/XXXX - collection from Asset Care for exact same XXXX XXXX XXXX {$270.00} showed up on my XXXX. 
XX/XX/XXXX - Reported dispute for exact same factors - statute of limitation and no knowledge of bill to XXXX. 
This is absolutely inappropriate and illegal behavior. This is an old, most likely fraudulent, account that someone purchased to try to get money from me that I do not owe and they are banking on consumers not being wise or resourceful enough, or maybe not wanting to mess with it, scared about the negative credit impact, and willing to just pay it. It's not okay.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$380.00} - Late/closed XXXX Account # XXXX Date Opened:XXXX Balance Owed : {$0.00} - ChargeOff XXXX XXXX  Account # XXXX Date Opened:XXXX Balance Owed : {$0.00} - ChargeOff XXXX XXXX  Account # XXXX Date XXXX Balance Owed : {$0.00} - ChargeOff
Product: Debt collection

Dear sir, We made a {$42.00} purchase using XXXX shopping card ( XXXX ) on XX/XX/XXXX. 
We never received invoice or email alert to pay in time. 
First printed bill we received in month of XX/XX/XXXX.

We talked to make payment with minimum penalty if applicable. Person asked us to pay {$100.00} as full and final payment including all penalties and interest and closed our account on XX/XX/XXXX. 
In month of XX/XX/XXXX we surprised by a letter received by their collecting agency. 
Call from unknown number talked for related debt collection and after that they registered with credit bureau. 
We request you to do needful and help us out from this unfair system of extortion. 
Thanking you. 

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

I would linke to request that HUNTER WARFIELD verify the following information : 1. Full original account number 2. Date original account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of first delinquency 6. Dates and times of any phone calls made and to what phone number in attempt to contact me concerning the alleged debt before it was reported to CRA, and so proving that these calls were made within the times governed by the FDCPA law.

If HUNTER WARFIELD is unable to provide the above identifying account information, this account must be deleted from all CRAs. HUNTER WARFIELD also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. 

I've spoken with them numerous times about the validation of this debt. They've provided me with documentation that doesn't prove what debt is owed. Also, my signature is not on any of the paperwork. I never received any notices from this company. I didn't know I owed this debt until it showed up on my credit report. Please remove from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for months to resolve this XXXX account and to no avail. This is not my account and it continues to report incorrectly in addition. 

XXXX report the account as Closed ; Equifax reports it as Open XXXX reports a different balance than XXXX/Equifax All three bureaus report different terms each. 
All three bureaus report different payment statuses. 
All three bureaus report different dates of last activity. 
All three bureaus report very different payment histories.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is breaking the law by reporting inaccurate information on my consumer reports. My name is XXXX XXXX XXXX and I have made an attempt to resolve this matter with Experian. They are furnishing 3 accounts that are inaccurate and I have brought this to their attention while they choose to be willfully noncompliant about deleting these items cuasing me harm, Congress has set up an elaborate system in place to report accurate information on consumer reports. This is law! Experian needs to exercise their grave responsibilities to report accurate information and not continue to violate my rights by law!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Payday loan, title loan, or personal loan

Money Lion is a service where you pay monthly for the ability to take out small loans. I signed up for it in haste because I was in a pinch but, I never used it. I called on XX/XX/XXXX to cancel it ( day after account was opened ) and they told me I was unable to cancel it because they were in the middle of an ACH transaction on my account. I told the representative that I withdrew their ACH authorization on my account but she refused to comply. Fast forward to XX/XX/XXXX when 4 more ach attempts are charging me overdraft fees, I call again and they tell me that their terms supersedes federal and state law and I am not allowed to withdraw my ACH authorization. They refuse to cancel my account and they refuse to stop ACH transactions. Meanwhile, they compound $ XXXX monthly fees for an account I can't cancel. This is a scam and they are acting unlawfully.
Product: Checking or savings account

Bank of America N.A. Is not resolving our problem of a fraud made on our Account and the fraudulent activity performed on XX/XX/year>. 

The Frauds consisted in three ( 3 ) transfers of funds made on the same date and for the amount of {$18.00} ; for the amount of {$20.00}, and for the amount of {$22.00} for a Total of {$60.00}. 

We, The Accountholders, ratify that we did not consent nor in any manner facilitated any such transfers. Furthermore, as the Bank should have identified, the Frauds were evidently out of the ordinary parameters of operation of the Account, considering, among others, the type of instruction ( wire instruction ), the amounts of the instruction ( {$18000.00}, {$20000.00} and {$22000.00} ), the frequency of the instructions ( 3 in one day ) and the designated beneficiaries ( no prior beneficiaries ). 

Promptly after We learned of the Frauds, we gave notice to the Bank and made the claim for the reimbursement of the amounts unduly debited from our Account. Instead of reimbursing the Wrongfully Debited Amounts, the Bank closed the Account and sent us the remaining balance in a check. Such closing was by itself a damaging event to us, an innocent victims of the Frauds, because of the inconvenience that it implies. Up to this date, the Bank has not pay us the Wrongfully Debited Amounts, adding to the damages already suffered.

We made our claims to the Bank over the phone and ratified them in several occasions. At the same time, we made unsuccessful follow up calls and sent letters to the Bank confirming our complain. Also, per the Banks suggestion, made their claims known to the Consumer Financial Protector Bureau ( CFPB ), XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Finally, we made an in person claim at a Bank agency as soon as we could. We resided outside of the country at the time of the Frauds and the Covid 19 pandemic and subsequent government travelling restrictions prevented us from doing it earlier.
Product: Mortgage

As I was searching for options in liquidity to take care of home related areas, I came across Discover Financials XXXX and decided to apply. During the application process the digital platform advised me to contact XXXX XXXX XXXX XXXX. I contact on XX/XX/year>. Explaining the situation I was trying to take care of, where my XXXXXXXX XXXX had gone out and was looking to obtain funds to cover the replacement in addition to home XXXX. I was advised that I was " approved '' but due to the length in timing to be able to obtain funds, I should utilize Discover XXXX Loan as an interim option and could consolidate into the Equity Line once funding completed ( estimate provided of 8 weeks for funding ). Unable to utilize the same inquiry ( as separate departments ) I apply for a Discover XXXXl Loan, which came back with much higher interest terms. The XXXX Loan process had also turned into a nightmare, as I had to provide identity documents four different times ( while not receiving open communication from them and refusal to escalate during my attempts to rectify ). Funding finally approves for the personal loan, where I am still awaiting for the check to come in the mail as they refused to submit for electronic disbursement, but the account is actively established ( prior to funds being cashed ). During this time I continued going through the steps of the XXXX, where I was required to submit more documents than I have ever had to submit for any lending process ( including that of Primary mortgages - where I have purchased two homes to date ). One of the documents request the representative actually asked for a picture of one of my physical credit cards, as they refused to accept the statement reflecting the active XXXX balance. Yesterday, I received an email that stated I was being denied for the XXXX. Which comes as a surprise, considering I was already advised that I was " approved '' and went over the terms including the receipt/signature these same loan terms. I was not provided with any additional detail other than I would receive a letter in the mail providing additional information. This seems to be a complete and utter deceptive practice occurring within Discover Financial Services, to advise of an approval and option to rectify a short-term solution with another one of their products at higher terms and then to deny the full funding of the original product that was advised I was approved for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts reporting incorrect on my credit report, I have contacted the bureau by letter on XX/XX/2020. It is now 30days later and there has been no answer, according to the FRCA they are in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX and XXXX account number XXXX has violated my rights. 

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

15 U. S. C. 1681 Section 604 A It also states a consumer reporting agency can not furnish a account without my written instructions. I did not give them written Instruction.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Citi Payment Investigations XXXX XXXX XXXX XXXX XXXX, SD XXXX To whom it may concern, XX/XX/24 After very poor customer service I was very upset and may have used language that upset the person who was offending me. I am very sorry I did this and it is not my nature. But your agent gave me a very hard time. So now your company wont talk to me. 
I canceled the credit card years ago and thought I had paid in full. As in you have never sent me a bill?? 
I recently checked my credit score and found a charge for about {$140.00}. I sent you a check for {$150.00} to cover any amount that may come up.

I am enclosing your response requesting my account number. It says they need my account number and I havent had it for years.

Maybe this information can help you ; My name is XXXX XXXX XXXX or I may be XXXX XXXX. 
Phone # XXXX XXXX XXXX Cell Old land line XXXX XXXX Current land line XXXX XXXX XXXX I was living at XXXX XXXX XXXX XXXX XXXX, CA XXXX when I had this account the address before that was XXXX XXXX XXXX XXXX XXXX, CA XXXX I have someone on the phone now and they are trying to help me. Thank XXXX. He is saying my account is old and they cant pull up how much I owe. But he was able to find it. 
You have all of my information here. Please pull up my account and let me know how much I owe so I can end this torture. 
Thank you for your help. 

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX XXXX ( XXXX ) XXXX XXXX ) opt out law A financial institution may not disclose nonpublic personal information to a non affiliated third party unless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted which means all of the following accounts XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which has XXXX XXXX XXXX XXXX XXXX Equifax XXXX which make them non affiliated which means I as the consumer must have 3 disclosure agreements before any of my personal information could be given to any non affiliated and I must agree to it also according to XXXX XXXX XXXX ( XXXX  ) ( XXXX ) this is considered intentionally omitting information from a statement and thereby causing a portion of such statement to be misleading, or intentionally concealing a material fact, and thereby creating a false impression by such statement ; which means you saying you're not disclosing my personal information to non affiliates which that's not the case and according to The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies which means all of the following accounts that I listed above must be removed due to inaccurate reporting without my agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is will fully in-complaint to my request to remove items being reported on my credit report due to identity theft
Product: Credit reporting or other personal consumer reports

The company Tempoe LLC who is being sued by the CFPB for unlawful acts has sent a company called XXXX XXXX to collect a debt that I had no clue I had nor was it ever verified with. this seems to continue again with more unlawful procedures and because of this they have caused so much setback to credit report. The Debt collector showed up on my credit report on XX/XX/2022 for the amount of XXXX. Please have this Removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX XXXX On XX/XX/XXXX, I received a letter from my Graduate School, XXXX University, indicating that I was identified as an individual that was involved in a data breach of my personal information ( including- my name, address, date of birth, and social security number ). The school determined that in XX/XX/XXXX my information was exposed to hackers. I have reviewed my credit report and I have identified inquires that I have not committed myself. Below is the breakdown by the credit bureau of what does not belong to me and should be removed from my credit report. They are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX Please feel free to reach out to me directly for any additional questions you may have. 

Thank you, XXXX
Product: Student loan

On XX/XX/2022 i sent a letter to XXXX in reference of student loans Promissory Note. I requested for a copy of the sign note to validate the debt.. I waited 30 days. I sent the letters out certified mail. 
On XXXX XXXX I decided to submit another letter since I have received my request from XXXX. I requested for the same information and as a consumer under the 312 FCRA transaction right to have information I requested. I have received any paperwork from XXXX pertaining to the Promissory Note. 
Here I am on XXXX XXXX, I submitted another letter for the same request. As of this day XXXX never responded to my requestor responded at all.
Product: Checking or savings account

On XXXX XXXX, 2017 I had an 18 Month CD mature at M & T Bank. The Branch I use is in XXXX XXXX, XXXX XXXX, NJ. The CD originally started with XXXX XXXX XXXX XXXX which was acquired by M & T Bank. The account balance of the CD was {$5500.00}. Last month ( or the month before ) I received a renewal notice telling me the CD was coming due but that the rate I could be paid on renewal had yet to be established, hence could not be disclosed. On Saturday, XXXX XXXX I received a renewal notice in the mail dated XXXX XXXX which disclosed the CD ( Account Number XXXX in the amount of {$5500.00} ) had been renewed for another 18 months at a rate of 0.1 %, which is ridiculously below market. On Monday XXXX XXXX, I visited the XXXX XXXX XXXX XXXX XXXX XXXX to close the CD and spoke to Branch Manager XXXX XXXX who processed the CD Closure and charged {$52.00} in interest forfeiture fees and penalties. I told her that this amount of penalty sounded excessive given the late notice on the new rate and the fact that the new rate would only yield me {$5.00} per annum in interest income. She did n't really reply to that but said I could have closed the CD within ten days of renewal or before renewal to avoid the penalty even though I did not receive notice of the rate until 24 days after the renewal. She was very nice but essentially I gathered she was powerless to be fair about this so here I am. The Bank Official Check I left with was number XXXX for {$5500.00}. I am writing to you to try to get help for myself and the countless other people who were given penalties I deem to be excessive given the circumstances.