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

Hello, My current Auto loan is with Santander Consumer Finance. I have made my monthly payment above the origination amounts. The payments are not being applied correctly to the interest/principal columns. 

Santader and I have has the account audit and rectified once already. I made my payment this month above the amount due and the same problem continues to happen they are applying funds incorrectly to interest/principal columns. This misappropriation is to their favor. 

I told them I didnt want to go through this every month. I mentioned to them after speaking with the executive team of the office of the president and trying to rectifying internally that if it continues to happen I would file with the CFPB along with my Attorney group. 

I have supporting documents as well as i assume their recorded phone conversations. 

I've dealt with XXXX XXXX XXXX in the executive office. I've explained to them there was a problem with there system and appropriation of funds. They clearly acknowledged after adjusting accounts but we are continuting to have the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name Address : XXXX XXXX XXXX  XXXX, NY XXXX Date : XX/XX/2023 I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 

Account name XXXX XXXX XXXX XXXX  Account Number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove ti from my credit report.
Product: Credit card or prepaid card

My problem is with Capitol One. 
When I received my XXXX Statement there was a charge of {$39.00} which I did not authorize. I reported it to Capitol One and they responded by Canceling the Credit Card. I waited 2 weeks but received no response. So I paid Capitol One my balance of {$500.00}. I have to this Day not received any response from Capitol One except they send me bills. The charges are a fraud. I could not have used the card because Capitol One had closed the account as of XXXX. 
Please help me. I am XXXX XXXX old living on XX/XX/XXXX.
Product: Vehicle loan or lease

new car loan XX/XX/XXXX. Usurious rate of 26 %. Interest on top of interest penalties for late payments. After 30 months with this loan, I have PAID {$12000.00} on a {$17000.00} loan and the loan principal has been decreased by {$1500.00}. I have spoken to numerous reps over the years and no one has done anything other than give me a few months no-payment to catch up but of course added those months onto the end of the loan. 

I had a bounced check in XX/XX/XXXX that I was unaware of, and even though I was making monthly payments every month, on time, they charged me late fees every month for many months going forward because I did not realize there was one missed month so they considered all those months late. 

AGAIN, I have paid Santander {$12000.00} on a {$17000.00} 72 month loan and they have reduced the principal by exactly {$1500.00}, which still leaves me after 30 months with an outstanding loan of {$16000.00}. Which means I am being ripped off for outrageous amounts of interest. Since XX/XX/XXXX I have paid on time every month, even made additional payments to catch up, and now I am in serious financial hardship and will have no choice but to go bankrupt, almost completely because of this bank 's practices. 

Special thanks to Santander 's partners at the XXXX dealership who took advantage of a naive first-time car buyer with a weak credit score.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against XXXX XXXX XXXX XXXX, I disputed this company online and I wrote to them, stating that I do not understand how I'm liable for a balance of {$270.00} and I don't even know who they are, I never signed a contract with them, the original creditor closed the account, I also informed XXXX XXXX XXXX XXXX that my name isn't spelled in ALL CAPITAL LETTERS ... XXXX XXXX XXXX, my name is XXXX XXXX XXXX, the same name on my drivers license, however they wrote me back and basically stated their investigation concluded their actions were correct, it's not correct, they're using my name fraudulently to say I'm responsible for a debt that I don't owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$1000.00}, {$500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 


2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$500.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello and to whom this may concern. hi! my name is XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX. SSN:XXXX and i have contacted Equifax countless times and the creditor and cant seem to have them remove this unauthorized credit card off my report, its a cat and mouse game as they keep telling me to call one another back and i'm sick of it! being a XXXX survivor and losing half of my XXXX i feel like i have enough stress in my life other than some simple unauthorized credit card data removal which is part of Equifax issue of not helping me! Equifax customer service is being NO HELP in this situation and i even find myself being hung up on sometimes its becoming ridiculous! Now when i give them a call back all i do is get a busy signal and i can never get in touch with them! i am now writing to you guys for the formal complaint because i'm hearing you can help me! i will list the Account below which are part of the unauthorized account on my file shown on my credit report which is holding me back from my credit goals etc. i am hoping you can guys can help me out here! look forward from hearing from you guys thank you!! i've read the FCRA countless times and i know my rights, Equifax is not helping at all and this is not fair, legally they can't do this to me and they are honestly NO HELP!! here is the unauthorized account as follows XXXX XXXX XXXX with account number XXXX opened on XX/XX/2014 I look forward to hearing from you or seeing a resolution of this being removed from my credit report asap thank you!
Product: Money transfer, virtual currency, or money service

I don't have the exact dates. I am currently XXXX, Cash App who is in question, has locked two of my accounts randomly. I used cash app to jointly pay for things with my roommate, buy things from others and such. My first account locked randomly after I had contacted customer service on my XXXX and I was told to go to the advanced settings and select a " Erase app data on next launch '' option. I followed their instructions and then I was locked out of the account. This happened around XXXX or XXXX. 
I contacted support and made a new account and followed their instructions which included verifying my bank account info, the card on file, my name, zip code, and even sent pictures of my passport and let the app scan my face. Only to be told that the automated system would not let me access the account for security reasons. So I used the new account until I could get home and fix it where I could access my phone number but as of today XX/XX/year>, I was told do the same thing when a payment did not show up. I explained in the chat that I didn't want to because of what happened last time and I was assured it wouldn't. I was then locked out of my account and called support twice. The first time I was hung up on, the second time I was just told they would not do anything further to assist me. 

The first time they stated they would escalate it, but it was emails that resorted back to the beginning like there was no communication. The second time they told me they could escalate it but it wouldnt " change anything, Cash App is holding hundreds of dollars of my money and refuses to help even though I have provided all the correct info and even offered to get XXXX to get a notarized document for them. They have stolen my money and are refusing to give me access to it and seem to not care. 

The first account the email is XXXX The second account the email is XXXX The third account they made me make is XXXX XXXX
Product: Student loan

I am on XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and I am having trouble with my loan servicer, Mohela, updating my Public Service Loan Forgiveness ( PSLF ) employment certified form ( ECF ) payment period counts. 

Currently Mohela lists me as having XXXX ( out of XXXX for PSLF ) eligible payment periods for forgiveness. In XX/XX/XXXX, I submitted a new ECF form ( form XXXX attached ) signed by the XXXX to bring my certified payment periods from XXXX to the required XXXX. Mohela took several months to process the form, and then declared it a 'Duplicate Form ' and did not update my payment counts. I called Mohela in XX/XX/XXXX to inquire as to what happened, and they said the erroneously marked it as duplicate. 

This reprocessing showed on my online account. In XXXX the re-submitted form still showed as processing. In XXXX it still showed as processing. At that time, in XXXX, I had 10 months of PSLF eligible payment periods that were showing in my Mohela account as 'not employment certified '. So, I decided to submit a new ECF form ( Form XXXX ) signed by the USPHS to cover my employment period through XX/XX/XXXX. 

In XX/XX/XXXX, Mohela erased my re-processing form from my 'Documents Recieved ' online status page, and marked my new ECF from XXXX as a duplicate form. My PSLF certified payment count remains XXXX, when it should now be XXXX. I called Mohela, and they said the new form was once again marked 'Duplicate Form ' in their error, and they they would 'expidite ' the reprocessing within 30 days. 

I have been eligible for XXXX since XXXX of XXXX. Since then, Mohela has made two errors in processing my ECF forms by marking them duplicates and neglected to finish re-processing a form that they said they would reprocess because of their own error.
Product: Consumer Loan

American Honda Finance via a Honda Dealer forced me into an auto loan contract at an exorbitant interest rate in XX/XX/2011. American Honda Finance along with the Honda Dealer discriminated against me based on my race, religion, color and national origin. The dealer promised me an interest rate of 5.99 % APR on my loan and took my down payment checks. But when I looked at the contract, the interest rate was 16.99 % APR. I refused to sign the contract and I wanted to back off but the finance manager told me that I can not back off as I have already gave the checks for down payment and if I back off now, I will lose the down payment amount and on top of that they will sue me for additional damages for backing off from the deal. I signed this contract under severe duress from this unscrupulous finance manager who threatened, intimidated and coerced me into signing this contract. He also told me, if I do n't sign this contract, he will call the police and have me arrested for theft. The Finance manager also added add-on products without my consent, even after, I declined the add-on products. I have no idea what did I do to deserve this treatment. I can not find appropriate words to describe the pain, humiliation, grief and suffering, American Honda Finance and the Honda Dealer inflicted on me.
Product: Money transfers

I attempted to update my billing address with the XXXX credit card on file in my PayPal " wallet '' earlier today ( card ending in -XXXX ). Even though I updated my mailing address with the bank that issued the credit card, the PayPal website keeps giving me an error message, " Sorry, we ca n't link your card. Please make sure you have the right billing address. '' I called PayPal customer support to rectify this problem, spoke to XXXX people, first XXXX, then XXXX, and XXXX these unfortunate people just refused to fix the problem. If they do n't update my correct address on my credit card on file, it will doubtless cause problems when I go to purchase something through PayPal with that card. XXXX 's employee number is XXXX ; she is a supervisor. XXXX refused to give me his employee number.
Product: Credit reporting or other personal consumer reports

XXXX personal credit card blocked due to identification verification failure. 
New card initiated. 
Written request received to complete the application process in my name of which I did not initiate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Credit report had hard inquiries that I did not generate/ initiate XXXX XXXX- XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  report completed XX/XX/year> XXXX d pending approval to file report. 
I personally contacted each financial institutions dispute filed, fraud alerts placed. 
Made contact with experian and XXXX Pending contact with XXXX. 
Affidavit completed with XXXX XXXX and submitted XX/XX/year>.
Product: Credit card or prepaid card

Fraudulent credit card purchases were made using my Aspire credit card account. On XX/XX/2023 a charge of {$1000.00} at XXXX XXXX XXXX XXXX was made and on XX/XX/2023 a charge of XXXX at XXXX XXXX XXXX was made that I DID NOT DO. Then there were multiple denied charges because there wasnt enough available credit after the robber used up most of the money. I filed a fraudulent charge affidavit but I was still denied because the merchant claims I didnt report the card stolen in time and I logged in around the same time the purchases were made but this is NOT TRUE. I reported the card stolen soon as I found out about the charges the very next day when I got an email describing authorized charges. If the merchant had thoroughly checked the IP address of the log in & the device that was used they will clearly see that it wasnt the same one I have always used when the account was first opened. I did not log in until I received the email about the charges on XX/XX/2023 at XXXX, anybody else around that time frame was not me and came from a different device & IP. The fraudulent charges were made in New York but yet I live in Georgia. I dont know what type of data breach has happened on the merchants end but I just want this to be resolved because I deserve some justice and there needs to be an investigation on who really stole my information. Please refund the money back to the account, I am a victim of FRAUD here & did not share my information with anyone.
Product: Money transfer, virtual currency, or money service

PayPal limited my account from sending or receiving funds on XX/XX/2020. They never sent me any notification as to why my account was limited. I reached out to several customer service agents within their company which they didn't tell me a reason why. I logged in to my account with a notification that stated my account balance of {$1800.00} will be held 180 days and then released to me after. On XX/XX/XXXX I received notification from PayPal that someone logged in my account from an unrecognized device, which prompt me to login and change my password. Once i logged in I notice my balance was {$0.00} and it should have been {$1800.00}. PayPal took my balance without notifying me as to why. I called them 3 days in a row and waited over 3 hours on hold just to speak to someone and they told my I violated their agreement but couldn't tell my how or didn't send documentation is to why. How can you take my money and not explain to my why and how? I asked the Agent for her id number and she wouldn't provide it. I asked for a Supervisor and both agent on 2 different days hung up on me. I also asked for coperate office information, email and phone number and i was told the only had an address. This company has created fraud on my account. they never asked my for any documentation to prove my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following inquiries as it appears on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX I wish to see the original sources of the information reported including, but not limited to, the original Credit Inquiry Authorizations with my signature . If you cant provide me with this information, please remove the attached list of Inquiries immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
Based on the FCRA and FTC Law, all information must be accurate, no errors and verifiable.
Product: Credit reporting or other personal consumer reports

I filed a FTC Report XXXX XXXX for possible identity theft. I also contacted the creditors and credit bureaus. Via mail and phone several times. With no resolution. These inquiries are hurting my credit. I also placed a fraud alert... I did not apply for credit with any of these companies! I need these inquiries removed immediately... 

Inquiry an date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

The com pany is Wells Fargo and they are trying to collect and foreclose on a home and the it is illegal because both of the people who had the loan are deceased. They have received death certificates, durable owner of attorney, however, they are still threatening foreclosure on a deceased person. The Governor of Missouri and several attorneys have stated this is illegal in the state of mo. A complaint has been filed with the attorney general in Mo. Wells Fargo has failed to let the current relatives who are living in the house to assume the loan. Wells Fargo sent the mortgage under the deceased person 's name in Texas. They received the death certificate and said they would no longer collect on the debt. Chapter   XXXX    bankruptcy has been filed  XXXX  now attorneys have stated that is illegal since the loan is in a deceased person 's name. The property is in beneferies name house is in another person 's name. Wells Fargo hired a attorney client only collection to foreclose on the house under the deceased person 's name.All statements and paper work and foreclosure papers have been sent to the deceased person. Wells Fargo refuses to do anything except to demand payments from a dead person
Product: Credit reporting or other personal consumer reports

I RECEIVED MY XXXX STATEMENT FROM CAPITAL ONE ON MY SAVOR CARD, IT SHOWS A BALANCE OF XXXX DUE ON XX/XX/23. I CALLED AND SPOKE WITH CAPITAL ONE REPRESENTATIVE AND HE STATED THE CURRENT CARD STATEMENT SENT TO THE CREDIT BUREAUS IS AT A ZERO BALANCE, I SHARED THE INFORMATION REPORTED TO BOTH XXXX AND XXXX WHICH STATED A BALANCE OF {$260.00}. THAT BALANCE SHOULDNT BE REPORTED BECAUSE THAT WILL BE FOR XXXX. XXXXDROPPED MY SCORE XXXX AND XXXX DROPPED MY SCORE BY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017 I sent a certified letter to all three credit bureaus stating that I had multiple inquiries on my report I did n't recognize and I did n't authorize these inquiries. I have yet to hear back from the companies. I decided to call Equifax on XX/XX/XXXX, and was told they received my certified letter but they put the information in wrong and they will start the investigation all over. I was never notified of anything prior to calling on this day from either XXXX, XXXX or Equifax.
Product: Credit reporting or other personal consumer reports

I spoke with a BOA representative regarding the inaccuracies thats as reported on my credit report ( s ). I received communication from XXXX stating that they contacted BOA, which claims the information on my credit report is correct, although it is notthere are incorrect dates, among other issues. It seems someone is being untruthful, and this situation is frustrating me. While a representative at BOA indicated that BOA 's reporting is accurate. XXXX is asserting that they verified the inaccuracies with BOA, and BOA is insisting the information is correct. Im not sure who they are speaking with. I acknowledge that the account is mine, and that's not what I amdisputing. However, each credit bureau has different inaccuracies on my report, which what I am disputing. BOA, XXXX among XXXX and XXXX is being dishonest and this is unacceptable.