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

Paid off vehicle loan XX/XX/2022. 
Ally Bank said they would release the title to the Idaho transportation dept as that is where I live. 
I thought everything was fine I went to the DMV when they said it was released on XX/XX/XXXX. 
I received a email stating it was released so I went to the dmv. 
They were able to pull up my title it was an electronic title but ALLY is still in 1st lien holder position. 
I call almost every single day, First I spoke with customer service, And explain the situation they talk over me saying that it's released it's released it's released it's released it's released. But it isn't. Finally was able to get ahold of the electronic title department and they say it's an IT problem, but the state of Idaho tells me that it is a simple Box to check on the bank 's end that says Idaho can print and release the title to me.. I have called 24 hours worth of being on the phone with 3 different departments and countless people explaining it over and over again and they never do anything. I have 5 emails that say the title has been released and I explained that it hasn't but they don't listen to me. I finally posted on Ally Bankl XXXX page and somebody said, " oh my gosh we'll get somebody in touch with you '' Friday XX/XX/XXXX at XXXX PM at a woman named XXXX called from Corporate, she said it would be handled there. She was unwilling to give me her last name. She told me that XXXX would be the one that would be handling my account and doing the research. She gave me an her number to call for her direct line told me to call her on Monday I called 3 times on Monday 3 times on Tuesday and XXXX XXXX day Wednesday she has never answered her phone nor called us back. I do not know anything more that I could do. I am at a loss!
Product: Consumer Loan

I am submitting this complaint related to actions taken by BMW Financial Services. I have attempted to contact BMW Financial Services Office of the CEO, Office of the President or whatever department that handles escalated customer complaints and not received any response to my complaint. 
To close out my XXXX, three year lease I received a statement for {$1700.00}. The charges are purported to support " damages '' assessed for my usage of the XXXX BMW. This is the third consecutive BMW that I have leased and I have never previously been assessed any amount above normal wear and tear. 
The question that I have not been able to have BMW FS address or explain is why the end of lease statement does not list " any credit '' related to the XXXX miles under the allotted ( and paid for ) XXXX miles limit. If the discrepancy was a few XXXX miles I would not have an issue. However, the fact that the vehicle was returned with XXXX miles fewer than anticipated, does by all true measures of an automobile 's worth, add value to the vehicle in question. Why does BMW Financial Services choose not to recognize this fact when assessing the car 's condition and the related end of lease charges? 
It seems BMWFS 's end of lease process is not focused on assessing the actual condition of the vehicle but creating an unregulated revenue stream by charging exaggerated fees and not applying any eligible credits. 
During my prior lease, XXXX BMW 528i, I also received an end of the lease statement balance. That balance due was significantly higher than the XXXX lease end amount. I was assessed {$2900.00}. The largest amount ( {$2300.00} ) was for excessive mileage ( {$0.00} per mile ). A review of BMWFS records will confirm that I paid the XXXX end of lease statement promptly, in full and without question. 
There seems to be an imbalance between the way BMW Financial Services views the value of miles when a customer goes over their limit and when they are well under the mileage. 
As a customer who has purchased or leased XXXX BMW automobiles in the last ten year span I expected professional customer service from BMW Financial Services even though I chose to end my nine year leasing relationship. In fact, I am still a BMWFS customer on another vehicle unrelated to this complaint. However, BMWFS has not XXXX contacted me about this matter or make any attempt to justify or explain their actions. This total lack ofconsideration toward a long time customer was an eye opener and has prompted me to conclude to never utilize their services again. 
I believe that BMW Financial Services is not dealing with the situation of my XXXX lease fairly and consistently in how they review the value of mileage related to end of lease charges. 
I request an escalated review of this matter and a revised end of lease statement reflecting the appropriate mileage adjustment.
Product: Vehicle loan or lease

Lender is Santander Bank. Account no. XXXX. 

Each time I make a Principal Only payment, Santander applies approx. 10 % of that payment to interest. These are principal only payments in addition to my monthly payment. When I called Santander Bank, it stated it was unable to apply principal-only payments to the debt. 

MOST IMPORTANTLY, Santander Bank refuses to send me a copy of the Loan Agreement. On or about XXXX XXXX, I requested a paper copy, which I was told was sent through the mail, but it never arrived. 

On XXXX XXXX, I requested a copy of the Loan Agreement a second time and escalated the request to a supervisor. The supervisor sent the attached XXXX  via email. As you can see, it is conveniently scrambled and unreadable. Santander Bank owes me a copy of my Loan Agreement and I'm forced to file this complaint to force compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account : 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 an account without my written instructions.

15 USC 1693 2 Section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the caller number. 

I am not liable for this debt with " XXXX '' and do not have a contract with " XXXX '' they do not provide me with the original application like i asked.
Product: Mortgage

How to stop closure my house today CALIBER Home Loan they this guy tell. Me move out they said it house close! But I do n't know about it I know my loan I 'm pay off on XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX I 'm demo my house I have proved permit final inspection form XXXX XXXX .TX I 'm talk to someone employee CALIBER home loans I tell them r do n't what happened about it whatever I keep my house but bills statement too reference my payment only XXXX XXXX/mo they send me bills payment first time. Same lather on they call me collaction telling behind XXXX. I said why they tell me bank said NSF '' I do n't know NSF " mean! I pay them with debit card 2mo. Then next few moth call again tell me payment grow up XXXX/mo and tell me about principle that why too high I 'm payment about few month then I 'm stop to pay beanie think something not right t need to send me bills statement may be they over dabt. Then 5 month later send owe them $ XXXX+ tell me pay out title I said I do n't have I 'm loose job and nobody work I 'm pay For colleg daughter Then they send me from about lose job tell me waiting for approve from government but they send bills payment every month grow up over XXXX $ then send my account to collection agency I talk to them by phone I need to payment standard but they said no Waiting till now
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, XXXX Last XXXX XXXX RE : XXXX XXXXXXXX-partial acct number. 
To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit repor You are reporting a late payment on XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 and XX/XX/23 on the account ( XXXX ) .and accordance with the fair credit act XXXX credit card, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.


11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. After doing so please provide me with an updated reflecting the changes. 

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

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Experian is by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because of these violations. 

According to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these accounts. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. These are clear violations of my federally protected consumer rights. XXXX. XXXX XXXX # XXXX XXXX. XXXX # XXXX. XXXX XXXX XXXX XXXX XXXXXXXX not my accounts, ssn was associated with another individuals account information XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX not my accounts, ssn was associated with another individuals account information XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately in XXXX of XXXX I personally reached out to Capital One via their telephone customer service to explain mitigating circumstances surrounding a late payment they reported in XXXX of XXXX. I explained to the representative that the only reason why I was late for said payment was due to a combination of being in an already difficult financial situation ; as I had just separated from the United States Army after serving for 6 years, and being laid off from my newly acquired civilian job as a result of the Corona Virus pandemic. I was told the representative wasn't able to personally do anything about the situation, but was encouraged to write a letter and physically mail it to Capital One 's credit reporting department. Within the same month of XXXX I decided to do just that, and even more thoroughly explained the situation in said letter. Initially I had high hopes that Capital One would recognize the fact that even the federal government has acknowledged the tremendous negative economic impact the Corona Virus has had on our country, which has resulted in the government pouring trillions of dollars in various legislation in an attempt to bring to the country 's economic state around. However, what I later received was anything but understanding or the reasonable use of discretion by Capital One. They mailed me a letter that appeared to be one of likely thousand of templates used to handle customer complaints, that simply stated essentially that they were 'unable to do anything '. I genuinely believe that a reasonable person would agree that Capital One is acting unreasonably in regard to my situation.
Product: Credit card or prepaid card

Refund owed has not been received. Details and assistance not being provided. 

I sent an overpayment of {$4100.00} to XXXX XXXX XX/XX/2022. They claim to have returned the overpayment to me but I have not received the money. When I have asked for detail via the online customer service portal and also via standard mail repeatedly since that time, I have not received the detail requested and I still do not have the money. 

The check sent to them for the overpayment was generated by a third party ( loan proceeds requiring debt payment ). I have contacted that bank and they claim they have not received any returned funds from Comenity for that amount in my name or into the originating account. Comenity first claimed the money was sent via wire but did not provide detail. Then it was claimed to be sent via check, but I have not received it and they have not provided information on whether or not that check has been cashed by someone other than me. There is no one else in my household so if it has been cashed, it has been done fraudulently.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I was viewing my consumer report and its relationship between I and the consumer reporting agencies. During my investigation I realized that my consumer report has inaccurate information that's being reported on my consumer report on a monthly basis. I was never notified by XXXX, TransUnion or XXXX that they are assembling and evaluating my consumer credit and other information about me. According to the FAIR CREDIT REPORTING ACT ( FCRA ) consumer reporting agencies are obligated to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated by the three reporting agencies when they assumed this role.They were not given express permission by me, the consumer or a competent court of jurisdiction to issue an order stating that the three major reporting agencies are obligated to report such information. According to 15 usc1681c ( a ) ( 4 ) ( 5 ) no consumer reporting agency may make any consumer report containing accounts placed for collections or charged to profit and loss or any other adverse item of information. Also according to the FCRA a consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer and that the information that is being obtained is through a personal interview with a neighbor, friend or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information.So, not only did they fail in the initial investigation of this information, they also assumed this role, and assumed this information was valid which is a violation of my consumer rights.They did not insure that this information is accurate and you did not exercise your grave responsibility with fairness and impartiality.They took one side of the story and never consulted with me or people that is close to me or that had knowledge of this information to find out if those transaction even took place. As a result of this my privacy has been breached and identity theft has been committed by the three reporting agencies which is a violation of my right to privacy.This mishap that the consumer reporting agencies has caused ruined my reputation and it has adversely affected my credit worthiness to extend credit.
Product: Debt collection

Received letter from company saying I owe {>= $1,000,000} I 've been trying to contact someone from the company but I have n't gotten a response back.
Product: Checking or savings account

XXXX XXXX XXXX informed me someone tried to Open a secondary account online using my information. I have received notices that accounts and possibly lines of credit are being opened using my information
Product: Credit reporting, credit repair services, or other personal consumer reports

For the following credit report agency : Experian, XXXX, and XXXX ; I did not give permission to have the following accounts XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX furnished on my credit report. { Reference : 15 usc 1681a2 } The following accounts XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX are under litigation and i have submitted a FTC for the fraudulent activity.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Hard Inquiries I am writing to formally dispute several hard inquiries listed on my credit report that I believe are inaccurate and unauthorized. These inquiries have been reported as a result of identity theft, which I have previously reported to IdentityTheft.gov.

I filed a report regarding fraudulent activity related to my personal information. A copy of this report is included with this letter for your reference. As a victim of identity theft, I request an investigation into the hard inquiries that were made without my consent. 

The specific inquiries I am disputing are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate or unverifiable. Since these inquiries were made without my authorization, I request that you investigate this matter and remove these unauthorized inquiries from my credit report promptly. 

Enclosed with this letter, please find a copy of my IdentityTheft.gov report and any other relevant documentation that supports my claims. 

Thank you for your immediate attention to this matter. I look forward to your prompt response confirming the removal of the unauthorized hard inquiries from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX missed payment XX/XX/2022 XXXX. XXXX XXXX XXXX does not have a contract with and has failed to validate Contacted tjem and failed they to provide evidence
Product: Debt collection

A Certified/Return Mail was sent to this creditor, Discover Financial Services, XXXX requesting that the account # XXXX since XX/XX/2013 they're reporting on my credit profile does not belong to me and it's impeding on my ability to move forward in order to secure any measurable job ; and the consistent lack of credit extension to me by potential creditors. Discover Financial Services, XXXX must delete this unfair and erroneous information from my credit reports with all the Credit Bureaus with immediate effect per the FCRA and the FDCPA. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

ACCT : XXXX XXXX ending in XXXX I, the consumer and natural person, was denied credit by Capital One Bank when I applied for a credit card and it was closed by the company. 


Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

They are subiect to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by Capital One due to the response I received.

Capital One is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was taken away.
Product: Checking or savings account

On XX/XX/2022 I deposited a cashiers check for {$5000.00} dollars at the Fifth Third bank in XXXX Indiana. When attempting to draw the money out I was of the check was fraudulent I told the bank manager it was not n to call the the bank the check was written on which he totally refused to do. I then contacted the sender he called his bank they told him the funds were there n the money was in my account. My bank manger said the check clear on there end. I have called the bank manager n the fraud department they still have the check theyve locked my account. This cashiers check is valid n I am in need of my money. Im not getting anywhere with the bank or fraud department n the sender of the check is not happy at all. Please help me solve this issue Thank XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reporting inaccuracies on my credit report the third time and keep hurting my score it was remove from my credit profile XX/XX/22 and was report back XX/XX/22 in less than 24 hours
Product: Prepaid card

I have 2 {$100.00} Amex gift cards. I can see the available balances on the Amex website, but I can't use those cards. I contacted Amex support, and they told me that some stores didn't accept their cards. Based on my experience, NO ONE accepted their cards. I tried multiple online and offline stores. Amex gift cards were declined everywhere.
Product: Credit reporting or other personal consumer reports

FCRA Section 605C Consumer Submission XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX, XXXX & Experian URGENT MATTER ( XX/XX/XXXX ) Subject : Urgent Matter - Consumer Submission under FCRA Section 605C Dear Sir/Madam, I am writing to formally challenge fraudulent items on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX, and my Social Security number is XXXX. I am also a XXXX XXXX XXXX XXXX, which has further complicated my financial situation and led to the fraudulent accounts listed below. 
I dispute the following accounts as fraudulent and request their immediate removal from my credit report : Unauthorized Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : Collections Unauthorized Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts violate my federally protected consumer rights under 15 U.S.C. 1681, including the right to privacy and the right to dispute inaccurate information. If these accounts can not be verified, they must be removed immediately as per FCRA Section 609 & 611.

Please address this matter urgently. Failure to respond satisfactorily within 30 days may result in legal action. 
Sincerely, XXXX XXXX