23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband and I divorced XXXX XXXX XXXX and our house was in foreclosure. I applied for a loan modification in XXXX XXXX and was approved, after I sent my divorce decree and filed a quick deed claim with the courts. ( and all of the other XXXX pieces of paperwork. ) I went on the 3 month trial period and passed it, XXXX. XXXX, XXXX. Then my ex husband filed bankruptcy XXXX. XXXX, XXXX. They took my loan modification away. I was awarded the house in the divorce decree also. They said that my ex husband 's bankruptcy lawyer did n't file a motion?????? This lawyer said he did. So either the lawyers lying or the home mortgage company has lost it?????? Its my house. why would it have anything to do with my ex husbands ' bankruptcy. Now I cant even make a house payment because the house is in " protection ''?????? I do n't know what to do.
Product: Vehicle loan or lease

Complaint Against Santander Consumer USA for Failure to Provide Title and IRS Form 1099-C To Whom It May Concern, I am writing to file a formal complaint against Santander Consumer USA regarding their failure to provide me with the title to my vehicle and the necessary IRS tax documentation ( Form 1099-C ) after the lender charged off my auto loan debt. I believe this failure constitutes a violation of applicable federal and Texas state laws.

Background : - I purchased a vehicle through financing provided by Santander Consumer USA in XX/XX/year>. 
- Due to financial difficulties, I was unable to continue making payments on the loan. The lender subsequently charged off the debt on or around XXXX. 
- Despite this, I never received the title to the vehicle, which I believe I am entitled to under Texas law as the debt has been charged off. Additionally, I never received the required IRS tax documentation, either Form 1099-C ( Cancellation of Debt ), which is necessary for me to properly report my tax obligations.

Issues : 1. Failure to Provide the Title : Under Texas Transportation Code 501.115, the lienholder is required to release the lien and provide the vehicles title once the debt is charged off or satisfied. To date, Santander Consumer USA has not fulfilled this obligation.

2. Failure to Provide IRS Form 1099-C : According to IRS regulations , creditors are required to issue Form 1099-C for canceled debt exceeding {$600.00}. I have not received the form, which hinders my ability to fulfill my tax reporting obligations. 

Supporting Documentation : - A copy of my loan agreement ( attached ). 
- Correspondence was via phone. 
- Proof of the charge-off was on my credit report but is no longer available via the report. 

I trust the CFPB will take prompt action to address this issue and ensure that Santander Consumer USA complies with all applicable laws and regulations. Please contact me if additional information or documentation is needed to assist in your investigation. 

Thank you for your attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian put a fraud notice on my credit report Ive tried for over 1 month to get it deleted! 
Experian make it so difficult to delete this unwanted message. The website never work when it comes to uploading documents! 
This unfair practice is put in place to force their brand and services on you! I deleted the fraud notice with the other 2 credit reporting agencies with no problem! Experian has cause me unnecessary problems with this unwanted reporting! Is there a way to launch a class act lawsuit? Im sure you get this complaint a lot!
Product: Money transfer, virtual currency, or money service

In XX/XX/2022, Paypal incorrectly identified me as a seller and tried to collect my social security number. After speaking to customer service over and over again, I clarified that I am not a seller, it did not lead to any resolution. When I refused to hand them this information, they decided to limit my account but did not let me delete my account because they linked my account to " XXXX '' ( recently acquired by paypal ). 

As a consumer, I had no way to delete an account with my banking information and credit card linked to my Paypal account because Paypal decided to use information across accounts without my consent. Since then, they have permanently limited my account and refuse to delete my account and " promising me that my data is safe ''. 

Paypal 's monopoly through its own fintech offering as well Venmo and XXXX should not go unanswered. As a result of my poor experience, I would like to completely stop doing business with Paypal but I can't do so if they also control my other payment alternative - Venmo. 

They not only have a monopoly on payments, they also have a monopoly on consumer 's financial data. After reading Paypal 's reviews on the XXXX website, I'm convinced that their unscrupulous actions have impacted many other consumers.
Product: Credit reporting or other personal consumer reports

You are reporting inaccurate and incorrect information on my credit file. 
This information needs to be investigated, verified and correctly amended straight away and all erroneous item removed from my credit report XXXX - XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to correct this problem with Equifax before having to file this complaint. This is something that I did not want to be but, now I have no choice. I have sent Equifax XXXX different dispute letters asking for validation of these accounts because, I know they are inaccurate. Each time Equifax just send me back that they have " verified that the account belongs to me ''. Which is clearly not what I have asked. XXXX are the accounts that I want Equifax to send me validation on or remove the accounts fully. 
XXXX XXXX {$100.00} XXXX XXXX XXXX  {$120.00} XXXX XXXX XXXX {$32.00} XXXX XXXX XXXX {$62.00} XXXX XXXX XXXX {$78.00} XXXX XXXX XXXX  {$99.00} XXXX UNKNOWN {$39.00} XXXX
Product: Credit card

I lost my business in the recession and ended up with a judgment filed in court for a Capital One credit card debt. 2 1/2 months ago, XXXX XXXX, 2015, I paid off the judgment with Capital One. I can not get them to send me a Satisfaction of Judgment so I can file it with the court. I need it to fix my credit score so I can refinance my home from a high interest rate. I am afraid the interest rates will be going up.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA 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. 

XXXX # XXXX XX/XX/XXXX -- {$3400.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent my correct and current name address and employment. To the consumer reporting agencies. Ive provided proper copies of my drivers license. My social security card. And utilities bills. Last year. They still havent corrected my information. Which is violating my consumer law rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of fierce wrongdoing. I'm not accountable for this account. I have no knowledge of it, no legal obligation for it, and no information as to its origin. I did not receive any money, goods, or services as a result of the identity theft. This account does not belong to me. I never applied to this company. Plus, the continuous activity is weird. I believe someone stole my identity and opened this account without my permission or authority. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit or receive goods or services from the alleged account. I have included here my FTC report. I'm truly confused by the bureaus antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. 

XXXX XXXX  XXXX XXXX Date Opened XX/XX/16 Balance {$1000.00}
Product: Debt collection

Relentless calling from a company called Portfolio Recovery and they call from several different phone numbers and I have called every number that they have called me from stating that I am not the person they are looking for and that I do not even know the person they are looking for. It 's to the point now that I just pick up the phone and hang it up because it is pointless to keep telling these people I 'm not who they are looking for. This is my work number and it is getting very aggravating dealing with them calling XXXX times in an XXXX hr shift.
Product: Checking or savings account

XX/XX/2017 I notice I had a XXXX balance in my account, I called the state employees credit Union, they said they withdrew money because they received a faxed notice of garnishments from NC department revenue for delinquent taxes. I asked them to send me a copy of the notice of garnishment that was faxed to them, they said they couldnt because it was a legal document ; I thought it was obscured because it contained my personal information, I had a right to have it The state employees credit did not have the legal authority to withdraw money from my account without a court order 26 U.S.C. section 6332 3 ( C ) banks shall surrender subject to an attachment or execution under judicial process, according to NC General statues states A tax collector Must file the appropriate documents in General Court of Justice of the county in which the garnishee resides for a judgment before any garnishment can commence. GS 105-368 ( 5 ) ( D ) .the state Employee Credit Union owns its highest duty to its depositors with whom it has a contractual and fiduciary duty ; Im sure No evidence was presented, just a faxed notice garnishment stating that I owed The credit unions refusal to send me the faxed notice of garnishments they received from department of revenue, leads me to believe that fraud has transpired ; they concealing something unlawful, States Employees credit withdrawn {$1100.00} from my account XX/XX/2017 for an allege tax debt, Im requesting an refund, theirs no rule of law that they can provide, that supports there unethical business practice
Product: Mortgage

Very quickly ... XXXX XXXX mortgage payment XXXX XXXX XXXX Mortgage payment XXXX XXXX XXXX Mortgage payment XXXX XX/XX/XXXXXXXXtgage payment XXXX XXXX XXXX Mortgage payment XXXX I had contacted my mortgage company and asked how come my mortgage went up so much? They said it was due to the shortage in escrow and my taxes went up. I asked how much are my taxes and they said over XXXX for the year. I told them that my taxes were not that high, somethings wrong with the payments for XX/XX/XXXX and XX/XX/XXXX. I argued with them ALL XX/XX/XXXX and XX/XX/XXXX about my account being wrong. They finally admitted that they had made a mistake and put the " over payment '' of XXXX to my shortage in escrow but they did not remove a late payment with the credit reporting agency for XX/XX/XXXX. I told them I could not make that inflated payment because it was too high. So I had to make a double payment in XX/XX/XXXX figuring they would correct their mistake. They NEVER sent me my new escrow figures until I had questioned the payments. So now im paying what I should of been paying since XX/XX/XXXX and my payment would not have been late. Ive tried to reach a manager or supervisor about this but NOBODY has answered their phone or returned any call that I have made. ( over 10 calls ) I want my late charge to come off of my credit report so I can move on and forward. I have ALL records and can make copies if you need them. Thank you!
Product: Debt collection

I paid this debt and I am currently trying to purchase a home, however, this collection is damaging my credit, which in turn is preventing me from moving forward in the home buying process.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a )., it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over so this should be deleted promptly. I demand these account be deleted immediately or I will file litigation due to the stress you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Also a violation under 15 usc 1681 n ( b ) and they owe me money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I disputed an account through XXXX XXXX from a collection agency called Pro-Collect. I have no knowledge of that account my XXXX, XXXX XXXX XXXX  credit reports. Less than a month later, XXXX XXXX notified me that the account was closed and marked as derogatory on my XXXX report but the information for the same account on my XXXX and XXXX reports are still open with negative remarks.
Product: Mortgage

Since XXXX XXXX, Nationstar has contacted me several times to present. Initially, I would accept the calls. The requested information would always be the same. Starting XXXX XXXX, I asked Nationstar representatives why was it necessary for them to contact me since my profile had not changed. They would same to me, we are updating your file. To me, this did n't make since because I can update my profile online at Nationstar website because I have a user id and password. I have requested Nationstar to stop calling me in regards to this matter. However, my requests are being ignored. 

Thank you in advance for assisting me in this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

My late husband open this account without my knowledge. He was XXXX and killed by police because of his XXXX, leaving me in debt and unable to pay his debts. I 've already had a voluntary repossession of my car. I will have to file Chapter XXXX bankruptcy is this debt is pursued.
Product: Credit reporting or other personal consumer reports

Recently looked at a copy of my credit report and noticed several inaccuracies on my account his account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item am asking you to verity as accurate XXXX account ( Account Name XXXX XXXX XXXXXXXX )
Product: Mortgage

I am a XXXX-year old retired male living with my XXXX-year-old wife in XXXX, Virginia. Since XXXX XXXX we, as joint owners, have been faithfully paying a 30-year mortgage loan with Bank of America ( BOA ) Home Loans, which acquired Countrywide Home Loans in XXXX. Currently the principal balance is {$77000.00}. During the course of the mortgage we have had several issues with BOA concerning the escrow account ( taxes & insurance ), which monies are paid to BOA from our total monthly mortgage payment of {$900.00}. Currently the monthly escrow amount is {$140.00}. 

In XXXX our then-monthly mortgage payment of {$1100.00} was reduced nearly $ XXXX/month, largely due to a reduction of our XXXX XXXX County property/real estate taxes under the county 's Tax Relief Program for XXXX and XXXX Persons. Also, in XXXX XXXX, BOA sent us a check for {$2300.00} for " escrow overage. '' However, this month, XXXX, XXXX, BOA sent us an Escrow Account Review statement in which BOA established a new monthly escrow payment of {$280.00}. No stated reason for the increase, however the statement applied ( added ) our annual county taxes of {$990.00} TWICE. We do not know why BOA sees fit to increase our escrow payments or why our county taxes are applied twice. However, BOA sends to us about twice a month offers to refinance our mortgage. Which we do not want, especially because our monthly mortgage payment is more manageable due to the county tax reductions. 

We are left to think that, perhaps, BOA is attempting to recoup the escrow overage check money by increasing our escrow monies owed, in addition to to pestering us to refinance, which we believe would be far more beneficial to BOA than to us, especially since our principal payments are now reducing the total amount owed on a par with the interest charges. 

As things stand now, we consider BOA 's escrow increase to be arbitrary and without merit and wish clarification of BOA 's intentions under its Escrow Account Review.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 Section 604 A Section 2, It states that a consumer reporting agency can not furnish an account without my written instruction 15 U.S.C 1681 Section 602 A. states that I also have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # have 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed XXXX dismissed bankruptcies, that do not belong to me on my Equifax credit report. I asked Equifax how and who they were verifying this information with because the XXXX Bankruptcy court does not verify anything with credit bureaus. Equifax said that they are verifying this information with XXXX XXXX, which is a third party vendor, not the creditor. The FCRA requires credit reporting agencies such as Equifax to verify account information directly with the creditor, not a third party vendor. I contacted XXXX XXXX about these bankruptcies and they wrote me a letter back stating that they had no bankruptcy information under my name and social security number. So i would like to know how is Equifax verifying information about me but XXXX XXXX says they have no information for any bankruptcies in my name? Equifax is reporting inaccurate information on my credit report and that is illegal and violating my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I've noticed discrepancies in my payment history with XXXX XXXX XXXX as recorded on my credit report. My transaction history shows consistent payments, but my credit report indicates multiple late payments over 30 days. This includes incorrect listings in XXXX and XX/XX/XXXX, and XX/XX/XXXX. According to my transaction history, all payments were made on time. The listed late payments are inaccurate and have negatively affected my credit score. I request that XXXX XXXX XXXX reviews my account and corrects these errors. Please find the attached transaction history as evidence for the same.
Product: Debt collection

I have contacted this company on several occassions and spoke with the original person that they stated owed the bill. The original company, which was XXXX XXXX XXXX, indicated that this account should not be on the report. They told me that the account was pulled from them. I then reached out to Penn and then they updated it to paid. It should have never been on my report and I want it removed.
Product: Vehicle loan or lease

XX/XX/year> Re : Santander Consumer USA Inc. ( Main Address ) XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Re : Santander Consumer USA ( Payment Address ) XXXX XXXX XXXX XXXX Texas XXXX XXXX ( {$20.00} Junk Fee assessed to my account ) I contacted Santander Consumer USA on XX/XX/year> to make a car payment online via ( ACH ). I accidentally made a payment from a recent bank account which I closed. I noticed the mistake several hours later and I contacted Santander Consumer USA the same day to have them cancel the pending payment and that I would make a correct payment out of a correct bank account which I did. 

The representative assured me that the payment was still pending and did not go through to the closed bank account and that there was plenty of time to have the payment cancelled. The representative said she would cancel the pending payment immediately. ( 2 ) days later on XX/XX/XXXX1st, I received a notification that my original payment to the closed bank account was returned.

I called Santander USA and informed them of this issue. I was informed that the original representative only put in a request for the payment to be cancelled and that her supervisor never performed their duties to fully cancel the transaction. 

On XX/XX/year> I was charged a {$20.00} fee. 

Santander Consumer USA is holding me accountable for something that they failed to perform and take responsibility to do on their own. 

This is NOT fair to me as a consumer and to hold me responsible for something that Santander Consumer USA failed to do. Santander Consumer USA is imposing a Junk Fee to my account and I would like assistance to get this issue resolved and the {$20.00} Junk Fee to be waived and removed from my account. 

The Closed Bank Account in question ( XXXX XXXX XXXX did NOT impose any fees to Santander Consumer USA whatsoever. 

If you need any additional information, please feel free to contact me. I thank you in advance.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by Transunion. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/2024, I submitted a dispute to Transunion regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.