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

I am writing to dispute charges from Santander pertaining to a vehicle that was declared total and for which Gap insurance had paid it. 
On XX/XX/2023 my brother XXXX was driving his car on his way home which car I was a co-signer when the driver behind him accidentally hit him, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the car was totaled. 
Immediately, we, notified the Gap insurance provider, and the claim was processed and paid to Santander in full, covering the remaining balance of the loan. 
Despite the Gap insurance payment, we have been receiving unwarranted charges and notices from Santander, indicating outstanding amounts related to the vehicle. 
These charges are erroneous and contradict the terms of the Gap insurance policy, which specifically covers the shortfall between the vehicle 's value and the outstanding loan balance. 
We have attempted to resolve this matter directly with Santander through multiple calls and written correspondence, yet, the issue persists. 
The result is, that we were reported to all three credit bureaus for late payments but actually all the payments were on time until this accident occurred.
Product: Bank account or service

Received high fee for insufficient funds. I can not see, by way of my online account page, at which point I went below in order to incur the fee. I logged on XXXX day to see a balance, XXXX as yet " unposted '' items and XXXX deposits by way of funds transfer ALL with the same date. I was told by a teller if funds are deposited on the same day - no fees will occur. 
Fees are WAY to high for many people who are banking and living at the very edge. Charge a fee that corresponds with the amount of interference the lack of funds meant to or affected the bank. Did my {$2.00}, {$5.00} or {$19.00} debit with insufficient funds render the bank unable to continue on? Did my mistake mean the country 's economic health may suffer or banks may close up shop? Not even close. The fees are unrealistic for most Americans. 
Make the fee match the burden put on the bank for the mistake instead of trying to break the customer.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally lodge a complaint regarding two accounts with XXXX that are incorrectly reported on my credit report with Equifax. The details of the accounts are as follows : XXXX  Account : Account number XXXX is reported wrong as a 120 day late payment for XX/XX/year> These accounts have been inaccurately reported to Equifax, and I believe this violates my rights under the Fair Credit Reporting Act ( FCRA ). 
Grounds for Complaint, According to the FCRA, specifically : Section 602 ( a ) : Consumers have the right to accurate and fair reporting.

Section 609 ( a ) : I have the right to know what information is in my consumer report.

Section 611 ( a ) : I can dispute inaccuracies in my report, and the credit bureau is required to investigate these disputes. 
I have previously disputed these accounts with the Equifax, but the inaccuracies remain unresolved. The incorrect reporting has adversely affected my credit score and my ability to obtain credit. 
Request for Resolution : I kindly request that you investigate these accounts and remove them from my credit report with Equifax due to the inaccuracies. I believe that this is necessary to ensure compliance with the FCRA and to uphold my rights as a consumer. 
Please let me know if you require any additional information or documentation to assist in your investigation. Thank you for your prompt attention to this matter. 

Kind Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX submit this complaint regarding a violation of the Uniform Commercial Code ( UCC ) involving the improper transfer of a promissory note and the resulting attempt to collect a debt. The note in question was transferred to a third party COLONIAL AUTO and per UCC provisions, once a note is transferred, the rights of a holder in due course can not be further transferred. This break in the transfer of title to the note invalidates COLONIAL AUTO claim to collect payments or enforce the terms of the note. Under the UCC, the right of a noteholder in due course is non-transferable. COLONIAL AUTO to whom the note was allegedly transferred does not hold the legal standing to enforce collection because the chain of title to the note is broken. 
Breach of UCC Protections. The UCC protects against improper enforcement by entities that can not prove their status as legitimate noteholders. The third party in this case COLONIAL AUTO failed to demonstrate compliance with the UCC 's requirements for lawful transfer and enforcement of the note. 
Attempted Collection Without Legal Standing COLONIAL AUTO actions in attempting to collect on the note are in violation of my rights under the UCC, as they can not establish their authority as the LAWFUL holder of the note. It was no longer my debt once the note was transferred and sold to XXXX XXXX XXXX. COLONIAL AUTO can no longer make me pay the debt according the UCC and the INDENTURE AGREEMENT. THE note has been transferred and sold so many times. COLONIAL AUTO, XXXX XXXX XXXX, CAR-MART , AND XXXX XXXX XXXX XXXX XXXXs commiting FRAUD because they collect a percentage of each one of the notes to keep up the fraud. I request that the CFPB investigate this matter and take the appropriate action to ensure that COLONIAL AUTO ceases any and all collection efforts immediately.The improper transfer of the note is invalidated, and my rights as a consumer are upheld. Any derogatory reporting to credit bureaus or adverse actions resulting from this unlawful collection attempt are reversed.This is a critical issue of compliance with the UCC and the INDENTURE AGREEMENT. Also the rights of consumers against improper collection practices.
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, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Debt collection

I never opened a XXXX XXXX XXXX XXXX card. Ive never had one! Never had one associated with the address on the statement that was sent to me and had no knowledge of this card until I checked my credit report. I had several other accounts that were fraudulent and the credit card companies cooperated and knew they were fraudulent and worked with me. XXXX did nothing to help and has sued me. They now have a judgement against me in XXXX XXXX Fl for the amount of {$1400.00} plus court fees in the amount of {$240.00}, with interest at the rate of 4.25 %. It was done and ordered XXXX XX/XX/2022 without my knowledge. Law office is XXXX, XXXX, & XXXX out of XXXX, Fl. No one talks to me and I get hung up on when I try to call.
Product: Mortgage

In XXXX, XXXX, Shellpoint Mortgage Company ( Shellpoint ) via its third party vendor completed an erroneous escrow analysis charging me for 11 additional properties that I do not own. I own one property but my escrow was charged for 12 instead of one. I put Shellpoint Mortgage on notice of the problem in XXXX, XXXX. I was told that they were working to correct it last XXXX, XXXX but it has not been corrected as of date. I have spoken to over 20 people in the past year about correcting the problem to no avial. I have suffered extreme emitonal distress and frustration due to this ongoing error. I was told tht my account can not be corrected until Shellpoint receives its money back that it paid from the 11 parcels from XXXX County. I verified with XXXX County Treasurer 's Office who stated XXXX County does not have those properties connected to my account. I should not be penalized because Shellpoint paid on accounts that have NOTHING to do with my account. 

Also, In XXXX, XXXX, I received an erroneous tax statement based on the erroneous escrow analysis. Shellpoint knew that the escrow was erroneous yet sent an erroneous tax statement to me after being put on notice. I was not able to move forward with filling my taxes until I filed a compliant with Shellpoint Mortgage and a representative from the Escrow Department phoned me to verbally give me the correct numbers to allow me to file taxes. I never received a corrected tax statement from Shellpoint Mortgage. 

On last Friday, I received a negative credit report on my credit due to a delinquency on the mortgage payment. However, I have paid mortgage each month. I was told to pay {$960.00} until the escrow is corrected. I have consistently done so. However, the computer is showing me owing {$1.00}, XXXX. I was told not to pay {$1.00}, XXXX but {$960.00} until the matter is corrected. Yet, I am being reported delinquent. I do not want to go into default because of Shellpoint 's failure to correct its mistake via its third party vendor. 

In closing, it has been close to a year and my escrow is still not corrected. My credit is being negatively impacted by this. I am writing for your help to facilitate the correction of my escrow analysis so that my monthly mortgage payment can be correctly reflected. I thank you in advance for helping me resolve this issue to correct my escrow analysis.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX am a victim of identity theft. I have contacted the company and requested deletion of this fraudulent account and inquiries listed in this FTC identity theft report. These accounts need to be deleted from my credit report permanently and marked as identity theft to prevent further reporting of these fraudulent items
Product: Credit reporting or other personal consumer reports

Subject : Request for Validation of Incorrect Information XXXX XXXX XXXX XXXX Account To Whom It May Concern, I hope this message finds you well. My name is XXXX XXXX, and my date of birth is XX/XX/XXXX. My correct and only address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX. The last four digits of my Social Security number are XXXX, and my email address is XXXX. I do not have an employer. 

I am writing to formally dispute the information reported by XXXX XXXX XXXX  regarding my account ( Account # : XXXX ). I have reviewed my credit reports from XXXX, XXXX, and Equifax, and I have found inaccuracies related to this account 's payment status. 

Account Information : Account Type : Secured Loan Account Status : Closed Payment Status : Late 60 Days ( reported for all three bureaus ) Date Opened : XX/XX/XXXX ( or XX/XX/XXXX for XXXX and Equifax ) Last Reported : XX/XX/XXXX ( or XX/XX/XXXX for XXXX and Equifax ) I want to clarify that I was never late on this account. The reporting of late payments is inaccurate and has adversely affected my credit score. Therefore, I am requesting validation of the reported late payment information. Please provide me with the documentation that supports the claims of late payments. 

If you are unable to validate this information, I demand that it be corrected to reflect that I have always made my payments on time and that the account is reported as closed and paid in good standing. 

This dispute is supported by the following laws and regulations : Fair Credit Reporting Act ( FCRA ) - Section 602 ( a ) states that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information reported.

FCRA Section 609 ( a ) - Grants consumers the right to request information from the credit reporting agency, including the sources of information used to create the report.

FCRA Section 611 ( a ) - Allows consumers to dispute inaccurate information and requires the credit reporting agency to conduct a reasonable investigation of the dispute. 
I expect to hear back from you promptly regarding this matter and appreciate your attention to this important issue. Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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, Account name : XXXX XXXX XXXX XXXX Account name : XXXX. # XXXX. 

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: Payday loan, title loan, personal loan, or advance loan

I regrettably signed up for a loan with this provider. However, upon research, it appears that they violate Washington state law regarding loan servicing and providing. 

The loan is serviced by Opploans, provided by XXXX @ 160 % APR for XXXX. 

However, when reviewing the CLA, it states : CLA - Consumer Loan Act. Bill 6025. All consumer loans in Washington are capped at 25 % APR under the amended CLA. 
Applies to anyone physically located in the state. 

States that " A person may not engage in any device, subterfuge, or pretense to evade the requirements of this chapter including, .... or making, offering, assisting, or arranging a debtyor to obtain a loan with a greater rate of interest, consideration, or charge than permitted by this chapter through any method And.. " if a loan exceeds the rate permitted under this chapter, a person is a lender making a loan subject to the requirements of this chapter notwithstanding the fact that the person purports to act as an agent, service provider, or in another capacity for another person that is exempt from this chapter,
Product: Debt collection

Hunter Warfield ( HWARFIELD ) dated XX/XX/XXXX put us in bad credit for {$6000.00} based on XXXX XXXX stating we broke lease and left property in a poor state. Facts are that we lived there for 6 years paying over {$17000.00} a month with utilities included and were never late or missed a payment. Each year the agent did a walk through and NEVER noted any abuse by us on the property. For the last three years, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX the agent listed the roof interior being cracked, falling, and leaking. Each time several contractors came out and gave quotes to landlord and nothing was fixed. Water leaked into the kitchen and was reported several times where a roofing company came out and said they fixed. Next time it rained, water came in that ruined the tile in the kitchen that is now being said we damaged. XXXX XXXX was notified several times each year that the water was shut off for non payment by the Landlord. Records can be seen through XXXX   XXXX XXXX. Each time the agent came out she was show where the grass and yard were not maintained by the landlord as stated in lease. Again these things were listed in the walk through report. After she left each year we did seem to get better yard service for a month or so after, but then went back to same. I have pictures of all of this along with pictures to how the house was left. They are also charging us with painting cost. In our lease it stated we were NEVER to paint. We followed the lease, but once the mold began to cause issues with our health and shady contractors making us feel unsafe, we were forced to leave. On a side note, the owner of the property did a walk through with us prior to us leaving and they were not happy that we were leaving. They did not say anything about any problems with the condition we were responsible for the property.
Product: Credit reporting or other personal consumer reports

My Identity has been stolen by this company I did not abandon my Security. This information needs to be deleted.
Product: Vehicle loan or lease

In XXXX and XXXX of XX/XX/XXXX XXXX auto loans was open in my name without my consent. I filed police report and FTC REPORT ( see exhibits attached ). I WAS ABLE TO REMOVE OFF MY XXXX AND XXXX, BUT I HAVE NOT BE ABLE TO REMOVE OFF XXXX. BOTH COMPANIES ARE LOCATED IN TEXAS, EXETER XXXX AND XXXX. ALTHOUGH, COMPANY NAMING EXETER FINANCE LLC. I HAVE SPOKEN WITH THEM ON SEVERAL OCCASIONS SENT, IN POLICE REPORT, FTC REPORT, PROOF OF IDENTITY AND A VALID CLAIM OF IDENTITY THEFT, NOW THIS XXXX A ... COMPANY STATED THEY HAVE DONE AN INVESTIGATION AND DETERMINED THAT THE ACCOUNT IS VALID, XXXX AS WELL HAS STATED THE SAME THING. NOW WITH MULTIPLE INVESTIGATION DONE HOW DOES THIS ACCOUNT BELONGS TO ME. SO I SENT A LETTER DATED XX/XX/XXXX REQUESTING PROOF OF HOW THE INVESTIGATION WAS DONE AS IDENTITY SECTION 603-15 U S.C 1681a ( e ) or page 3 of the short title. Guess what no XXXX reply back so I file this claim seeking damages for violating this act because I'm not going back and forth with that company and it's XXXX XXXXXXXX employees yes that right I said it so here we are.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax improperly handled my credit report data, resulting in a breach of all of my credit history and personal identifying information. These agencies should n't even exist, how are they allowed to collect all of our information with no government oversight. Credit and financial history should just be an arm of the Federal government so this can be given proper oversight.
Product: Vehicle loan or lease

On XX/XX/XXXX I got a use car XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx. XXXX Tel. XXXX. I made a down payment of {$5000.00} to XXXX XXXX they didnt tell me the bank thats will finace the load, but they made me to sign some blanks Finacial documents saying they want to send it to the multiple finance company to see the one that will accepted to finance the loan. Few days later they called me and told me that Wells Fargo Bank has accepted to take the loan, that they will finance {$18000.00} with 3 percent interest rates and the monthly payment will be {$500.00}. I have been making payment on this loan up to XXXX of XXXX. Well Fargo bank also charge me {$600.00} for CPI Insurance for the total of 19 months a total of {$11000.00} base on my calculation. WelllFargo Bank and the car dealership sales me a used car for the price of a new car, they sold the car for {$26000.00} when the actual cash value for the car at the time of sales was {$14000.00}. I have paid a total of {$29000.00} for the car they only finace {$18000.00}. I want Wells Fargo Bank to refund {$11000.00} over charge on the CPI insurance and {$12000.00} over charge on the price of the XXXX XXXX XXXX, Total of {$23000.00}
Product: Money transfer, virtual currency, or money service

Yes, I need a refund for XXXX and {$150.00}, and {$300.00} for XXXX because the seller stopped giving buyers the services to her XXXX XXXX XXXX XXXX. No one can get in touch with her, and they can't open any disputes with Paypal to get their money back. They can't contact their bank, and if they didn't use their bank with Paypal to send the money to them and I have contacted my bank. They told me I couldn't fill a dispute because I passed the deadline date, and XXXX  they couldn't help me, so I want a refund or a Paypal balance or Paypal XXXX credit to apply to my account ending in XXXX.
Product: Debt collection

FCR Collection Services has been contacting me via robocall and text message since XX/XX/2022 for a debt that I do not owe to XXXX. 

XXXX has not provided me with a written debt validation notice or any basic information. 

Between XX/XX/XXXX and XX/XX/XXXX, FCRs messages did not reference any company name. I assumed these were phishing attempts and did not respond. On XX/XX/XXXX, XXXX referenced XXXX by name for the first time. They texted me again on XX/XX/XXXX and named XXXX. Since then, they have robocalled and texted me numerous times, but XX/XX/XXXX and XXXX are they only dates XXXX has been referenced. I am attaching XXXX screenshots. First ( Attachment XXXX ), the transcription my XXXX provided of the first voicemail I received on XX/XX/XXXX ( note that my phone incorrectly transcribed XXXX as XXXX ). Second ( Attachment XXXX ), the XX/XX/XXXX and XX/XX/XXXX messages that first referenced XXXX. 

On XX/XX/XXXX, I sent XXXX a letter by certified mail to the address on their website disputing the debt and requesting a written debt validation notice. The letter was returned to me as undeliverable. I am attaching a PDF of my letter ( Attachment XXXX ), as well as a photo of it returned ( Attachment XXXX ). 

XXXX continues to contact me by robocall and text message. I am attaching screenshots of a voicemail I received yesterday, XX/XX/XXXX, that shows they continue to not provide any basic information about the debt ( Attachments XXXX and XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I initiated a dispute with the credit bureau regarding some unverified accounts on my credit report. The credit bureau has failed to complete the investigation and furnish me with the results of that investigation. 

XXXX ACCOUNT NUMBER : XXXX OPENED : XX/XX/XXXX BALANCE : {$150000.00} XXXX XXXX ACCOUNT NUMBER : XXXX OPENED:XX/XX/XXXX BALANCE : {$2900.00} XXXX/XXXX ACCOUNT NUMBER : XXXX OPENED : XX/XX/XXXX BALANCE : {$4900.00} XXXX ACCOUNT NUMBER : XXXX OPENED : XX/XX/XXXX BALANCE : {$2000.00} XXXX XXXX ACCOUNT NUMBER : XXXX OPENED : XX/XX/XXXX BALANCE : {$2700.00} XXXX XXXX ACCOUNT NUMBER : XXXX OPENED : XX/XX/XXXX BALANCE : {$7300.00} XXXX/XXXX ACCOUNT NUMBER : XXXX OPENED : XX/XX/XXXX BALANCE : {$460.00} I have provided all the necessary documents to the credit bureau for them to accurately dispute the listed accounts . I am now demanding that they comply with my initial dispute letter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX Account Number : XXXXXXXX  Date of Charge-Off : XXXXXX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-oft misrepresents my payment history and negatively impacts my credit score Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections Thank you for your prompt attention to this matter.