23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2023 I downloaded an app from the XXXX XXXX. I was prompted by the app that in order to use it I would need to sign up for the free trial and then pay {$40.00} after the 7 day free trial expired. So I proceeded and was immediately charged the {$40.00}. I suspect this is a scam the app developers use on unsuspecting people. I did not authorize the app to charge me {$40.00}. I reported this problem to XXXX and they are telling me I am forced to pay even though I was scammed. So I am elevating this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cancelled my Experian account. Afterward they charged me for the next month. The amount was XXXX. After interminable attempts on their deliberately difficult to contact systems I finally got to a human being who arranged a refund. On XX/XX/XXXX of this year they charged me the same amount again. After an hour of contact attempts and being transferred to different people 3 times I am told I dont have an account and Experian cant help me. At this point I want to charge than with criminal theft. I also want my money back and I want them to stop charging me. I want compensation for this torture.
Product: Credit reporting or other personal consumer reports

I was checking my credit history with XXXX, XXXX, and Transunion and I've noticed several inquiries that I did not do. Those inquiries are transactions that I do not authorize. The following transactions are with Transunion : 1. XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX
Product: Mortgage

PNC LN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   CA XXXX XXXX XXXX XXXX XXXX Short sale package was submitted to PNC on XX/XX/XXXX. On XX/XX/XXXX we were told PNC had sent a letter to the borrowers accepting them into the short sale program, which the borrowers must receive and complete in order for the file to be moved forward as a short sale. The borrowers have not received anything from PNC, and PNC is refusing to send us ( the authorized third party ) a copy of this letter.

( ( ( In addition PNC has refused to acknowledge the authorization signed by the borrowers on many occasions and we have to fight, literally, just to get PNC to acknowledge that we are the Authorized Third Party. ) ) ) -- see attached Third Party Authorization. I am attaching it here because i know if i do not, that PNC would simply state i am not authorized on the account so that they can outright ignore this Federal Complaint. ) ) ) Since no one has yet received the letter from PNC, the borrowers have taken it upon themselves to write a letter accepting the short sale program. ( see attached letter ) PNC is REFUSING to acknowledge this letter and the express desire of the borrowers to participate in a short sale.

Everyone we have spoken to at PNC is absolutely disinterested in solving this problem. No One seems to understand or care that their 2nd lien will be wiped out if the 1st ( XXXX XXXX ) forecloses. There is an upcoming foreclosure date of XX/XX/XXXX and PNC is essentially refusing to work on this file.

We have explained to PNC multiple times the urgency of this situation due to the upcoming foreclosure date initiated by the 1st XXXX XXXX XXXX. PNC does not care. They are refusing to do anything about the fact that the borrower has not received anything from PNC, refusing to provide a copy of this letter to us as the Authorized Third Party, and thereby is not protecting their investors interests in any way, shape or form.

****** XXXX XXXX  IS RECEIVING A FULL PAYOFF ON THIS SALE AND THEY ARE THE FORECLOSING PARTY. PNC STANDS TO LOSES HUNDREDS OF THOUSANDS OF DOLLARS AND NO ONE WE HAVE SPOKEN TO SEEMS TO CARE. ******** Please help us to get PNC to move this forward. The fact that we have to submit a Federal complaint due to the PNCs apathy and ignorance is ridiculous and absolutely unacceptable.

I want a copy of the letter accepting the borrower into the short sale program sent to us immediately. The homeowner wants to do a short sale and has expressed this multiple times, in writing, to PNC, as have we over the phone as an Authorized Third Party.

**Please see attached Authorization for RE XXXX XXXX and Letter Accepting Short Sale Program.
Product: Mortgage

On XX/XX/XXXX your attorney your attorney XXXX XXXX of XXXX XXXX contacted me around XXXXXXXX XXXX, she asked me twice that why I filed the lawsuit and I explained to her two times that why I filed the lawsuit. 

She asked me again to explain as she did not understand, I asked her to email me with her questions, she started shouting on me and humiliated me, after that she hung up the phone. She has no manners how to speak to a litigant. These kind of people represent you? I am very surprised. 

After that incident, she hasn't communicated with me and I took out her information from the California bar website. 

Her email is - XXXX and her phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX Balance : {$2500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that I had a medical collection on my credit report so I sent a letter to the collections agency asking to validate my debt, as the law mandates. I sent the certified letter on XX/XX/2021 which was received and signed by one of their agents. They failed to validate my debt in the allotted and have not removed the debt from my credit report as the law stipulates.
Product: Mortgage

Company accusing us of not having insurance and trying to make us pay for their insurance. Our provider has contacted them. They have a long standing of fraudulent activity.
Product: Vehicle loan or lease

I am writing to formally file a complaint against Santander Consumer in relation to the retail installment contract associated with my auto loan. It has come to my attention that Santander Consumer failed to provide full disclosure regarding their intentions to convert this contract into security using my signature. 

Specifically, Santander took the finance securities collateralized by auto loans, bundled them into pools, and transferred them to a special-purpose entity ( XXXX  ), which subsequently transferred the pool to a trust. Payments on the underlying auto loans were pooled in the trust, and these funds were used to pay note investors their due principal and interest, with any excess spread paid to the equity holder. 

As a customer, I was not provided with full consideration and full disclosure of these actions, which I believe is a breach of trust and contractual obligations. After discovering this, I properly endorsed the instrument, filed the necessary paperwork, and sent it to their indentured trustee on XX/XX/2023, XXXX. However, Santander has neither processed the security per my instructions nor adjusted the accounting. 

Furthermore, Santander has reported late payments to my credit report and threatened repossession, causing undue stress. I have provided them with a Notice of Rescission and Removal of Security Interests, Right to Repo, and Insurance Proceeds on XX/XX/2023 XXXX. This has resulted in the violation of my consumer protection laws in the State of Florida, specifically 501.204 Unlawful Acts and Practices, 501.976 Actionable, Unfair, or Deceptive Acts or Practices, and 1006.14 Harassing, oppressive, or abusive conduct. 

In addition, XXXX, XXXX, and XXXX have provided Inaccurate reporting : As per 15 U.S. Code 1681s2 ( A ) ( 1 ), All are prohibited from furnishing any information to a consumer reporting agency if it knows or has reasonable cause to believe that the information is inaccurate. However, XXXX, XXXX, and XXXX have reported inaccurate information in my credit file, resulting in adverse actions against me by lenders. Lack of reasonable procedures : According to 15 U.S. Code 1681e, All must maintain reasonable procedures to avoid violations of the FCRA and limit the furnishing of consumer reports to authorized purposes. However, XXXX, XXXX, and XXXX have failed to maintain such reasonable procedures, leading to inaccuracies in reporting and subsequent harm to my creditworthiness.
Product: Debt collection

This is an Accord and Satisfaction Complaint On XX/XX/XXXX, Someone from Carrington Mortgage Services LLC ( CMS ) Contacted me regarding a previous discharged account ( # XXXX ) claiming that I owe a debt in the principal amount of {$79000.00} ; and an amount due on XX/XX/XXXX being {$980.00}. In violation of 15 USC 1692c of the fair debt collection practices act by harassing me regarding this debt. 

On XXXX, the attached Affidavit of Demand for Verification of Debt ; and Notice Of Cease and Desist addressed to CARRINGTON MORTGAGE SERVICES LLC. Attn : XXXX XXXX Chief Financial Officer ( or Successor ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX & XXXX, XXXX, California XXXX was sent via Notary Certificate of Service and Return Receipt Requested # XXXX XXXX XXXX XXXX XXXX. 

Tender for this account by way of an negotiable instrument, ( postal money order # XXXX XXXX ) having a postage date of XX/XX/XXXX for full Satisfaction of all claims in accordance with the stipulated conditions set forth in UCC 3-311 has been executed. Which states, " the claim is discharged if the person against whom the claim is asserted proves that the instrument or an accompanying written communication contained a conspicuous statement to the effect that the instrument was tendered as full satisfaction of all claims ''. In support of the aforementioned, I submit the hereto attached Affidavit Of Tender of payment acknowledgement and discharge with Exhibits.
Product: Vehicle loan or lease

during the Pandemic, i got really sick, laid off and got behind at the end of my car note somehow they had me to sign a new contract. now a car that took five years to pay off added 5 more yaers and a whole XXXX i have already paid the XXXX, now the car is in the shop 5 years later i dont have the money to fix or pay another XXXX dollars
Product: Debt collection

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$XXXX} for each incorrectly reported item on my credit file.
Product: Student loan

XXXX  this is my previous complaint and i received a response however it does not seem correct still. my question is do you verify what they are responding. per there response my balance is going down. really by balance is  XXXX  when it started it was  XXXX  they stated something about fees and interest. after each payment they still say unpaid interest. i am always behind on interest why? i never miss a payment. and i never had any lapse in payment. no deferrements. Is someone watching them? is someone looking over my payment history with interest and fees. was my account really researched?, I need help and i need a partial party to verify this. can i get help..   and on a side note in there response they through by brother in. i have explained to them by brother has had a  XXXX   XXXX  a  XXXX  and is   XXXX   XXXX  . my elderly parents care for him. they do not care!!! they continue to pursue him. by brother did not finish school and as i told them on several occasions i signed for  XXXX  student loan. only  XXXX  the second one was signed by the school loa n officer w ithout my knowledge. because i was told on my original appointment. i was assured that i only had to sign for  XXXX  and that my brother would be able to get any other loans with then on his own
Product: Debt collection

applied for credit at XXXX XXXX XXXX, did not get approved but they offered a program called " XXXX XXXX money '' wheras i get 3 months no interest but have to pay WEEKLY, went by frequency of pay days. So 3 months go by of paying over XXXX per month. Now i find out that ends and they are demanding the balance approx XXXX due or they are charging a very high interest rate daily to accumulate quickly anything i paid back plus. Then its over in 2020 and i have to pay the amount in full, by then the original amount will triple or quadruple
Product: Debt collection

I respectfully requested that your office provided me with competent evidence that I have any legal obligation to pay you ( Macys ) regarding account # XXXX. This was NOT a request for verification or proof of my mailing address, statements of the alleged account, or summary of when the alleged account was open, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b )  of the FDCPA. Now, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against the three major credit reporting agencies : TransUnion, XXXX, and XXXX, for violations of the Fair Credit Reporting Act ( FCRA ) and for reporting inaccurate information on my credit report. 

TransUnion Violation : Non-mailable Address : TransUnion has listed a non-mailable address on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX. This is not my address and needs to be removed immediately. 
XXXX Violation : Incorrect Spelling of Employer : XXXX has incorrectly listed the spelling of my employer as " XXXX XXXX. '' The correct spelling is " XXXX XXXX. '' This incorrect information needs to be corrected immediately. 
According to 15 USC 1681 Congressional findings and statement of purpose ( a ) ( XXXX ), it states : " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' As these agencies are reporting inaccurate information, I have the right to have them removed and corrected. 

Unauthorized Inquiries : TransUnion, XXXX, and XXXX have also allowed items to be placed on my credit report without my permission. There are a large number of inquiries that have been furnished on my credit report that I do not recognize and have not given my written permission to add. This constitutes inaccurate reporting backed by 15 USC 1681b Permissible Purposes. I noticed these unauthorized inquiries on my report in XX/XX/year> and have since filed a report with the FTC regarding these unauthorized actions. 

Failure to Correct Information : According to 15 USC 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days. A month ago, I tried to have these items removed, but the failure of these agencies to correct the misinformation on my report in a timely manner violates this code.

Requirement to Follow Procedures : Under 15 USC 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The presence of incorrect addresses and misspelled employer names indicates a breach of this obligation. 

I request that these inaccuracies be investigated and corrected promptly. Furthermore, I seek the removal of any unauthorized inquiries and a review of my credit report to ensure all information is accurate and fair as per the guidelines set forth by the FCRA. 

All inccorect addresses, spellings and inquiries I wish to be removed are attached and highlight.
Product: Mortgage

To Whom it May Concern, I requested an escrow analysis on my loan subserviced by LoanCare,  XXXX owned by XXXX. The amount being collected was based off an property tax bill generated based on the out of state residency in SC. I contacted LoanCare XX/XX/XXXX notifying them the amount being collected was wrong and it needed to be adjusted. I never received correspondence about status, progress, or additional documentation that may be required. I reached out XX/XX/XXXX to inquiry about the status. 
The tax bill is public record, and all LoanCare had to do was contact XXXX County 's  Assessor 's Office to confirm the tax rate. The escrow department did not reach out to the county, and did not reach out to me about the completed analysis with a determination of " no significant change ''. The annual amount decreased by {$3700.00} or XXXX a month. I call that a significant amount extra to be collected on a monthly basis. 
As a XXXX XXXX XXXX veteran the additional monthly cost has caused a major strain on my budget, and the poor customer service and blatant refusal to do basic due diligence on the customers behalf is appalling. now I approach the end of the month, with late fees, additional servicing fees, and now the possibility of a 30-day credit notice, while LoanCare performs another escrow analysis with a 7-business day turn around.
Product: Debt collection

I was looking into charges on my credit report but I do not see Enhanced Recovery Solutions licensed to collect in the state of North Carolina.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday, XX/XX/2020, I filed a dispute with Experian to dispute the erroneous name, of XXXX XXXX, being shown on my credit report. I have NEVER used the name XXXX XXXX without adding the XXXX as my middle initial and it should have never been added to my credit report without the XXXX This is a fraudulent, erroneous entry as I have Never used that name. The ONLY name that should appear on my credit report is XXXX XXXX XXXX. On XX/XX/2020, Experian sent me a letter refusing to remove this fraudulent, erroneous name and Experian also stated that they would never accept a written dispute sent thru the mail. I submitted a complaint to the CFPB on XXXX and as a result of that complaint, on XX/XX/2020, Experian again refused to remove the erroneous name from my credit report and Experian LIED when they said they were forwarding me a copy of my credit report! On XX/XX/2020, I received their latest letter refusing to remove the erroneous name from my file but Experian did NOT send a copy of my credit report as they had promised to do. Why doesnt the government take better control of these egregious credit reporting agencies and stop them from adding erroneous and fraudulent information to peoples personal credit information.
Product: Payday loan, title loan, personal loan, or advance loan

Under IRS regulations, creditors are required to issue a Form 1099-C when they cancel a debt of {$600.00} or more. Failure to do so can result in penalties under Internal Revenue Code 6721 and 6722. In Gericke v. Truist, the court clarified that issuing a Form 1099-C is a tax reporting obligation and does not necessarily indicate that the debt has been canceled. Therefore, while the creditor 's failure to issue a Form 1099-C may result in IRS penalties , it does not affect the status of the debt itself.
Product: Credit card or prepaid card

On XX/XX/2021 DISCOVER CARD SERVICES denied me a credit card after receiving incorrect information about me and using that to make their decision. Before they sent the denial letter, I contacted them via their website chat and alerted them that the information they collected about me was false and they said my social security number was wrong at first and ran my credit again only to deny me a second time. When the denial letter came they had my name incorrect. They willfully collected incorrect information about me, used that to make a credit application decision and did not give me full disclosure that my social security number/card was not being used as identifier but as a promissory note solely for the purposes of obtaining a loan.
Product: Student loan

have a loan through american education services with national collegiate trust since 2006. I have asked for copy of note and history of payments several times and get results from XXXX XXXX XXXX. never get payment history. loan was for {$8000.00} and after 10 yrs. they say i still owe {$7800.00}. have tried several times to find out where and what my payments are being applied to. can not get any answers from national collegiate trust and no payment history from AES. have spoke with XXXX XXXX XXXX and have no problem with what they want me to do. need help with AES and national collegiate trust to understand what is going on. i am on XXXX now and they are harassing my sister who is the co-signer of this note.
Product: Debt collection

Complete Credit Solutions reports a collection account on my credit file for XXXX. I did not take out a loan for XXXX. I have tried contacting them to verify the accuracy of the delinquent account numerous times, including requesting copies of my signature for the loan and the company refuses to provide actual documents with my signature and proof that this is my debt. I disputed the account with XXXX, XXXX and XXXX and the account was not removed.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

on XX/XX/2023 i was attempting to use my Paypal debit card and was declined. When contacting customer service was told by live agent that she was not able to disclose any inforamtion to me. When checking email, notified on XX/XX/2023 at XXXX XXXX, they sent an email stating i could no longer use this account and my money would be held for 180 days and then i would be sent an email as to how to tranfer remaining balance. I had just got paid and have a cash balance of XXXX but can not access
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't understand why it's so hard to have Experian do their Job!!!!! Its thats simple I am requesting Experian do there job and investigate in accordance with the fair credit reporting act. In doing so they will find said company XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX My investigation has revealed at no point has the above referenced company ordered a copy of my credit report. I had to have Experian investigate the other Inquiry 25 TIMES!!!! Before they did their job. Very simple all the have to do is pick up the phone call the number listed and they will find at no point did the above referenced company order my credit report.
Product: Credit reporting or other personal consumer reports

Please see attached, my document of ongoing Dispute with XXXX XXXX XXXX XXXX XXXX XXXX Regarding Billing and Credit Reporting Errors In Case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX