23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

The only blemish on my credit reports is as a co-signer on my son 's auto loan from XX/XX/XXXX. After the car was stolen in XX/XX/XXXX, it was recovered and turned over to Santander Consumer USA. Neither I nor, as far as I know, my son was properly notified. Instead, it went to auction. I may have helped him recover the car, if I had known all the facts! Just learned these details from my credit report! 
Manager " XXXX '' at Santander says he understands my plight fully, has " no dog in this fight, '' and would like to take it off my credit report, but " can not '' w/o your approval!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2021 I sent out disputes to the bureaus pertaining to several accounts and 2 specific accounts that are just being updated but no changes. The bureaus are just updating the account as investigated but not providing any documentation pertaining to their investigation or providing their method of verification. XXXX XXXX and XXXX XXXX show different last active dates and XXXX XXXX have been re-aged by 5 years so if your are verifying these accounts then how in the XXXX are you and clear violation of the FCRA with all these inaccuracies and errors and not removing these accounts from my credit profile. Please remove these erroneous accounts from my credit profile immediately! Attached are the disputes and proof of my identity for authorization to investigate this matter.
Product: Credit card or prepaid card

I made a payment to Discover Card to pay my balance in full using XXXX XXXX bill pay service. I had deposited a large check, so XXXX XXXX put a 5-day hold on the funds ( other than for the bank to use my money, I don't understand the purpose of this ). The funds were to be available XX/XX/2019, so I scheduled payment to discover ( along with payments to all of my debts ) for that day. Discover received my payment early and deposited the post dated check which then bounced. My bank charged me {$38.00}. 

Neither Discover nor XXXX XXXX will accept responsibility for this problem. I am out {$38.00} and I have a blemish on my payment record with Discover because my payment was late due to this check which should not have been deposited early and in turn should not have been accepted early. Discover blamed the problem on automation ; while XXXX XXXX blamed Discover.
Product: Mortgage

Heres a draft for your complaint to the CFPB : Subject : Complaint Against Mr. Cooper Regarding Loan Reconciliation and Unapplied Funds To Whom It May Concern, I am filing this complaint against Mr. Cooper, my loan servicer, due to their ongoing inability to provide a clear and accurate reconciliation of my loan payments and outstanding balance. Since Mr. Cooper took over my account, I have encountered the following issues that remain unresolved : Inconsistent Reconciliation of Payments : Despite numerous requests, Mr. Cooper has failed to provide a transparent and accurate accounting of the payments I have made and the amounts I owe. The reconciliation does not add up, and I have not been given a satisfactory explanation. 

Unapplied and Misapplied Funds : I have observed random unapplied funds in my account, and it appears that Mr. Cooper is moving money around without my consent. This is both confusing and concerning. 

Forced-Placed Insurance : Mr. Cooper added insurance on my property without notifying me, even though I already have adequate coverage. This has unnecessarily increased my expenses and demonstrates poor communication on their part. 

Unexplained Charges : I am being charged amounts that exceed my loan balance, without any clear justification. This is unacceptable and undermines my trust in their management of my account. 

I expect a lender to maintain accurate records and communicate transparently, but Mr. Cooper has repeatedly failed to meet this standard. I need a knowledgeable representative to provide : A full reconciliation of all payments I have made and how they were applied. 
An explanation for the existence of unapplied funds. 
A justification for the charges exceeding my loan balance. 
Proof of proper notification regarding the forced-placed insurance and an immediate resolution of this issue. 
This situation has caused me unnecessary stress and wasted time. I request the CFPBs intervention to ensure Mr. Cooper complies with their responsibilities as a loan servicer and resolves these issues promptly. 

Thank you for your attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

This is a follow-up of Case #  XXXX  that I submitted in  XXXX . Since that case is closed, I am unable to add this to it.     I did wh at FedLoan said t o do in their response. I called them on  XXXX / XXXX / XXXX  and spoke with a representative for  22  minutes and I thought this was straightened out where I will be able to make payments. Not so. I asked the representative about the Reduced Payment Forbearance for as little as {$5.00} mentioned in the letter, and he said I did n't need to do that because I could be put on forbearance until my application for for REPAYE was received and processed. He also said I would n't have to make a payment under the standard payment plan - I explained that I just do n't have that kind of money. He said that my monthly payment under  the REPAYE  plan would be approx. $  XXXX  month.  I said that would take away from necessities such as my required life medicines, and he said that is the best FedLoan can do. I reluctantly agreed thinking that I would receive a repayment plan for this amount after my REPAYE application was processed which did not happen.     On  XXXX / XXXX / XXXX  I received an electronic letter from  FedLoan stating the results of my forbearance request ( copy attache d ).     I mailed  my REPAYE application to FedLoan   XXXX / XXXX / XXXX . I received an email on  XXXX / XXXX / XXXX  that my application had been received ( screenshot attached ). On  XXXX   XXXX ,  XXXX  I received another email stating that my request was on hold  ( s creenshot attached ).     On  XXXX / XXXX / XXXX  I received  XXXX  letters electronically from  FedLoan. The  first letter states that they processed a forbearance on my loans and that in order to change repayment plans, I have to make a payment of {$1000.00} under the standard payment pl an ( co py attached ).     The second letter  is a " Repayment Plan Change  Requires Payment '' and states that I must make a payment under the standard repayment plan  ( c opy attached ).     I have repea tedly stated to FedLoan  and to the representative I spoke to on  XXXX / XXXX / XXXX  that I do not have the money to make e ven one  payment under the standard plan. Finances are extremely tight, and my hours got cut so I 'm going to be making even less.  FedLoan 's r epresentative apparently lied to me, and I 'm getting looped around and around in a circle. This company is making it impossible for me to make monthly payments which I want to be able to do. All I want is to be put on a repayment plan that I can afford so I can make monthly payments! I ca n't even get the Reduced Payment Forbearance mentioned in their response - why?     This has been going on since  XXXX   XXXX , and it 's aggravating a serious health condition I have. I 'm getting to the point of looking into suing them for medical costs, and the aggravation this is causing me. I am a person who pays my bills, and I 've never been treated so poorly. I 've done everything possible to get on an affordable repayment plan an d FedLoan is   uncooperative and wo n't work with me.     Please, please help!
Product: Credit reporting

I am having a problem with my Chex systems report. There is an account that is showing on my file with XXXX that was opened fraudulent. I have attempted to contact Chexsystems an only get an automated system. I have filed a police report and I am trying to see where do i have to send it to but have been unsuccessful in getting through to anyone.
Product: Checking or savings account

I reported fraud on my checking account card ending in XXXX. I was issued a temporary credit, then the next day both checking accounts and pending replace card were restricted for 90 days leaving me without access to my primary checking account to pay bills. I contacted the bank, and they told me that they were reviewing and would conduct an investigating and they will remain restricted for 90 days. I can not XXXX, transfer money, pay bills, wire transfer or anything from my account leaving me totally without access to my money and I have pending deposits as well. 

This is not the first time this has happened with the bank. In XXXX, I was reported deceased, and they froze my accounts, and I had o prove for 3 weeks that I was not deceased. I am being double charged for my auto loan when every month it is paid on the 1st of the month. I feel this is discrimination towards a XXXX XXXX XXXX veteran. I have been with this bank since XXXX. I would like someone to look into this matter for me.
Product: Debt collection

Today, on XX/XX/2023, I was Notified of a drop in my score on experian by XXXX points. I went to check it out because I pay very close attention to my reports. Checked XXXX and saw the same result. In addition to checking my reports regularly I havent received any mail in quite a few years regarding a validation of debt from a debt collector. The name of the company is southwest credit systems based out of Texas and they are in violation of CFPBs debt collection rule and are not abiding by the provisions of the FDCPA. I was never notified of this particular debt nor given the time to verify its validity. I was never spoken to in person, by phone, by us mail or electronic mail regarding this debt. I have been working on increasing my XXXX XXXX and diversifying my profile extensively and know better than to ignore the Initial letter. Placing a collection on my reports and dropping my score dramatically before going through the proper channels is an unfair practicing act on behalf of southwest credit systems. I would like this detrimental inaccurate information removed from my report immediately. Thank you.
Product: Mortgage

Wells Fargo, has held my mortgage for 15 years. It started off as an interest only 6 % mortgage. It was {$350000.00}, I paid it down to close to {$190000.00}, after they charge me huge amounts of money to refinance it to a five and three-quarter percent loan. They solicit me continuously, and offer me all kinds of new refinance programs that would cost thousands of dollars to put back into the mortgage. They recently sent me a offer to refinance at 3 1/4 %. Stream line, clean fast. There is nothing streamlined about it, I have paid out of pocket to have an appraisal, I have spent countless hours sending paperwork, I have paid my accountant to send in all kinds of tax forms. My credit is way up over 800 .I have an immaculate record and impeccable history. Yet it has been several months since they have responded with this new and improved refinance. I believe it is all a scam I have wasted my time, and my money.
Product: Debt collection

I owe {$3000.00} to a hospital. I sent a small pymt. Then they sent me to collections. I sent a payment on XXXX XXXX they cashed it. They have called every day sometimes several times a day even on the day they cashed my payment! I sleep during the day because I work night s. They keep calling and disturbing my sleep. When I call to ask them to stop especially since I just sent a payment and they 're disturbing my sleep they say " man that 's fine but we can still call you! " if like to file a complaint. I will file one every time they call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX  XXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX  account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX 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 a account without my written instructions.
Product: Vehicle loan or lease

Been having trouble paying due to work related problems. 

In XX/XX/2019, I had to leave a job due to it being a hostile and verbally abusive environment. Looking for another source of income was difficult since the company refused to pay me on time ( they broke state law ). I also legally violated my lease with them since I worked at the XXXX   XXXX XXXX XXXX I lived in and incurred a lot of debt since moving.
Product: Debt collection

Regarding, Summons Case No XXXX XXXX XXXX, Attorney Patenaude & Felix, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX WA XXXX XXXX I have received through a second hand source a summons to me for collection of debt of {$1600.00}. This summons was never officially served on me, but instead, forced upon my non-relative roommate prior to XXXX XXXX in clear violation of the Fair Debt Collection Practices Act. I am assuming that the collections firm will try to declare that this was a formal serving to me even though I was never present. I am asking XXXX, my designated agent for handling my debts to respond anyway, but making it clear that this is a response based on obtaining a copy of a summons that has never been officially served. 

The summons contains false statements. Namely, I am NOT married. I have been widowed since XXXX. And, they did not make repeated attempts to collect as stated in the summons. I have only received one notice from the collections company which was immediately forwarded to XXXX who responded. It has been made very clear that I actively want to resolve this debt. I am informed that the collections company refused an offer of settlement and repayment and did not offer any counter proposal for settling the debt. A lawsuit is their response instead of attempting to settle or arrange for payments. 

Official written statement from my roommate : *** Received via text message XX/XX/XXXX *** Here is my statement : On XX/XX/XXXX, at about XXXX XXXX. as I was preparing for work. I heard a loud banging noise from the front door. Ignored it for a little bit since Im in the bathroom XXXX and not in a position to answer. Finished my bathroom chores and dressed up for work and I again heard the loud door banging. I opened the garage door hoping to leave and ignore the door, but this guy parked on the driveway blocking my side so I had no choice and annoyed that I have to tend to him. At that point he asked if I XXXX XXXX. Of course I said NO and he asked for my name and after he served me the documents. 
*** end of message ***
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on numerous occasions attempted to rectify a few discrepancies within my consumer report. Under the law, it is the job of the consumer reporting agency to make sure that the information that they are reporting is accurate. As the consumer I have notified the agency to remove the following items : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX ( XXXX ) To date these unverifiable accounts remain on my consumer report. 
The consumer reporting agency should be able to see that these items have been previously disputed without a proper investigation/ or verification method. I am requesting that the consumer reporting agency reinvestigate these accounts by manual verification. If any item is to come back as verified please provide this information pursuant to 15 US Code 1681 ( i ) ( 6 ) ( b ) ( iii ) : 1. A description of the procedure 2. Name of the business 3. Business address 4. Business phone number 5. Name of the agent 6. Most importantly, if my personal information such as my date of birth, ssn, and/or address was provided to you without my consent for verification purposes.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXX XXXX Balance Owed : {$14.00}
Product: Checking or savings account

Cash app took my funds and there was no one there to help me rectify the situation
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with Equifax improperly removing XXXX of my legitimate credit accounts from my credit report. These accounts were not disputed or reported as fraudulent, and I was not informed of any investigation prior to their removal. 

Details of the Issue XXXX XXXX Account ( XXXX ) This is an active account in good standing. I have continued making payments, and my current balance is {$XXXX}. Despite this, Equifax removed it from my credit file between XX/XX/year>, and XX/XX/year> without cause. The account remains visible on my statements and with the lender. 

XXXX  & XXXX XXXX Card ( XXXX ) This account is also mine and has not been disputed or reported as fraud. My statement dated XX/XX/year>, confirms that the account was active. Equifax removed this account as well without notifying me of an investigation. 

Why This Is a Problem Equifax 's decision to remove these accounts negatively impacts my credit history, utilization, and score. If Equifax had conducted a proper investigation, they would have verified that these accounts belong to me and are in good standing. I was not notified of any dispute process or investigation before the removal, and I was not given an opportunity to provide supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$13000.00} XXXX XXXX {$440.00} XXXX   XXXX {$1400.00} XXXX XXXX {$10000.00} XXXX XXXX XXXX {$440.00} XXXX   XXXX {$310.00} XXXX {$1300.00} XXXX XXXX {$130.00} XXXX  XXXX {$470.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

We have been current on our car loan for a few months now. We disputed the correctness of the debt and the company sent letter agreeing they are reporting incorrectly. 60 day lates and repossessed. They stated they would correct this. They still have not after reporting 3 months in row. This has totally hurt our credit score or any chance at purchasing our home.
Product: Debt collection

In XXXX of XXXX, I was contacted by phone by AWA Collections about an outstanding debt totaling {$4500.00} from a XXXX XXXX XXXX that began in XXXX of XXXX and ended in XXXX of XXXX. I informed AWA that the debt was a result of identity theft and that the car rental and the debt was not mine. 

I was notified by my credit card company ( XXXX ) in XX/XX/XXXX of some rental card charges and immediately reported this as fraud. XXXX blocked additonal charges from being processed including when the car rental was returned ( it was abandoned at an alternate location and recovered by XXXX on XX/XX/XXXX ). I also informed them XXXX Credit Card opened and closed a fraud case in XX/XX/XXXX and notified XXXX XXXX XXXX of their judgment. 

AWA requested information to verify this and I sent them details including a XXXX invoice balance from XXXX  after the return of the rental, the letters from XXXX opening and closing the case as fraud, and an FTC Identity Theft report ( dated XX/XX/XXXX ) that I filed after AWA contacted me. 

I did not pursue identity theft charges or file anything with the FTC in XXXX of XXXX because I was notified by my credit card company that the case was closed. XXXX XXXX XXXX  also never contacted me after the car was retreived to pay the debt. The first I knew that it was still a potential debt was when AWA contacted me in XX/XX/XXXX. 

I submitted all documentation ( that I am also including in this report ) to AWA in XXXX of XXXX. This included details about the individual that was identified to have committed fraud and rented a vehicle online in my name and with my credit card. The reservation was made on the account of the identity theif, with their email, and business account number. The details are in the FTC Identity Theft report. 

In XXXX XXXX, I received a letter ( dated XX/XX/XXXX ) from AWA, again pursuing the debt. This was their first written notice to me about this debt. I contacted them again and explained the situation and they again asked for verification. 

On XX/XX/XXXX, I sent a letter asking for immediate stoppage of the collection process by AWA and requested information required by the Fair Debt Collection Practices Act, including notifcations they have sent to XXXX  about my identity theft claim, and any supporting information that their client ( XXXX  ) was still in pursuit of the debt and proof they had that it was mine. I also resent all information that I submitted to AWA in XXXX along wtih this letter. The letter also stated to stop any credit reporting agency notifications about this debt and to cease contacting me about this debt, except for furnishing me the information requested in the XX/XX/XXXX letter. 

On XX/XX/XXXX, I again was contacted by AWA Collections by phone about this debt. As of XX/XX/XXXX, AWA has not sent me any of the information I have requested from my XX/XX/XXXX letter. On that date, they called and harrassed me about making the payment. I notified them again that the debt was not mine, that I had sumbitted all proof to them, and ended the call. I will monitor how many times they contact me and save any voicemails they leave.