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

In XX/XX/XXXX, I entered into a loan agreement with Santander as a co borrower. I was not asked for any income verification neither was the primary borrower ( my father ) I made the first three payments on time but feel into financial difficulties. I reached out to Santander in XX/XX/XXXX, but was told my loan was not old enough to receive any assistance. I struggled to continue to make payments ( taking money from my XXXX, etc ) but was never offered any assistance from Santander. 
It is my understanding they should not have granted a loan without determining negative cash flow, which was a definite factor at the time of purchase. 
I also learned by checking my credit report that Santander has listed the account as closed as of XX/XX/XXXX, at which time I was four payments behind. I repeatedly attempted to enter into an alternate payment plan but have not been able to do so. Santander continues with the same practices present before the {$550.00} XXXX dollar lawsuit.
Product: Student loan

I went to the XXXX XXXX XXXX XXXX XXXX which was proven multiple times to be a for-profit school which defrauded students and offered predatory loans. I was approved for Borrower Defense to Repayment on my federal loans for that program, but when I asked Navient to provide me an application for relief on my Private loans for the same program, the denied me saying " We have determined that your loans are not eligible because they are no longer outstanding ''. I responded saying " Thank you for your response. They were refinanced though, and are still outstanding. Simply with a different lender, but still the same loan that originated through SallieMae/Navient. '' After years of paying this loan through SallieMae/Navient I finally decided to refinance since there seemed to be no relief through Navient. The same loan is now serviced through XXXX, but it shXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe.
Product: Credit reporting, credit repair services, or other personal consumer reports

At present I have 16 student loan accounts reporting on my credit report. All 16 accounts are reporting late for months XXXX through XX/XX/2017 however this information is inaccurate. I graduated my undergraduate program in XX/XX/2017 and my loans should have remained in deferment for 6 months following my graduation and then enter into repayment status. Instead, it appears my graduation date was calculated incorrectly or I did not recieve my 6 month grace period as I should have.
Product: Vehicle loan or lease

My XXXX XXXX XXXX was determined to be a total loss on XX/XX/XXXX. Ive made several calls to Hyundai Finance asking questions about the total loss process with issues at each step. Including several requests to show me what they use to determine what balance is owed to make it even or refund/GAP insurance uses and these requests always were ignored including my email on XX/XX/XXXX and XX/XX/XXXX to the email address XXXX. 
Ive been told Im not allowed to speak to this department and customer service cant answer questions, they can only send an email and then it is up to me to follow with the customer service department to see if the total loss department responded. They dont respond then either. 
I was initially advised my refund check would be {$1400.00} on XX/XX/XXXX by customer service. I then called back on XX/XX/XXXX to check the status and was advised the payment was now {$970.00} because a deductible was applied and that shed never seen this so would submit an email to them to ask about this. I followed up on XX/XX/XXXX and was told they had no answers for me, that a deductible is applied for the GAP insurance whether its used or not and they couldnt tell me more. I asked for documentation that showed they had this right because in my contract documents it didnt have this language. I was on this call for 40 minutes when the supervisor disconnected the call and did not call me back. I sat on hold for an additional 15 minutes to speak a new representative who offered to help but after all the time I had wasted, I requested that the initial supervisor and/or her supervisor contact me back and was told hed submit the request and it should be completed within 24-48 hours. I never received a call, email or letter from anyone. I called today, XX/XX/XXXX and they advised the check was finally sent to me on XX/XX/XXXX - XXXX weeks later but still for the {$970.00}. The supervisor ( XXXX XXXX ) stated all he could do was send an email requesting the total loss department send me documents about this deductible but he didnt think they would, a request was already sent from my last call that they never responded to and that that was all he could do. He could not hold that department accountable, escalate the situation or even let me speak to his supervisor. If the GAP coverage wasnt used, I do not understand how they can apply a deductible to the refund issued. Separately that they have ignored consumer requests for documents to confirm this seems like bad business practices and failure to comply to consumer rights.
Product: Debt collection

I have recently pulled my credit report and noticed that there is a collections listing your agency. I have never been notified of this collection action or that I owed this debt. 

This letter is to inform you that I have the right to request a validation of this debt and you ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 

Please send me the following documents Signed agreement that you have authority to collect on this alleged debt. 

Agreement that bears the signature of the alleged debtor with promises to pay the original creditor. 

I hope your legal staff will agree that a noncompliance with this request will result in serious legal trouble for your company. 

Please note that a payment history is not considered a contractual agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and I discovered fraudulent accounts reporting false information on my credit report. My personal information was exposed in recent breaches and made my identity vulnerable. This fraudulent information on my report was a result of identity theft. 

The accounts are : XXXX XXXX XXXX  / XXXX XXXX  account # XXXX amount {$510.00} XXXX XXXX XXXX account # XXXX amount {$4100.00} XXXX XXXX  account # XXXX amount {$4900.00} XXXX/XXXX  account # XXXX amount {$1600.00} XXXX XXXX   account # XXXX amount {$8400.00}
Product: Mortgage

On XXXX, I was referred to XXXX XXXX XXXX, a Senior Loan Officer at PRIMARY RESIDENTIAL MORTGAGE in Rhode Island. However, this individual never made telephone contact with me, our only form of communication was via email. Initially, she had me and my wife fill out a pre-qualification mortgage form. After filling out the form in entirety, including information about my RACE ( XXXX ) and military status ( Veteran ), the loan officer emailed me back. In her email she made very rude assumptions about me and my wife and was also very rude. Attached below is her email to me and my wife with our names deleted for security and privacy reasons. 
" Attached is your credit report to check out. 
Here is what I see : You are having your credit pulled over and over again, hoping for a different answer about buying a home. I suspect, you are getting rejections and maybe some suggestions. 
Here is the bottom line : ____ has a sub-par credit rating at the fico score of .... '' As you can see from the beginning of her email, she was very rude and condescending. I would for this officer to make anyone else feel the way she made me and my wife feel.
Product: Credit card or prepaid card

I am complaining for the second time about the same issue : the Chase XXXX XXXX ( being marketing as a premier travel card ). Again, I discovered no auto payment was taken out. Again, I directly called customer service and was told I was OK - no payment due because my credits exceeded my purchases for the month. But this was precisely what caused Chase to threaten cancellation of my card prior. This time -aware of this issue I inquired directly again to customer support " Do I owe anything ''. The response a full 5 minutes later - after manual calculations on their end - was that nothing was owed. Again, looking online at my account, it is impossible to ascertain exactly the timing of credits and purchases to see if my credits are over my purchases for a particular time period. So Chase 's prior suggestions saying that a consumer should do that - is impossible as the online system does not provide the cycle timing to be able to compute this. In short, the consumer MUST rely on Customer service to tell them if a payment is due when the AutoPay has not gone through. Given that the purpose of utilizing AutoPay is to cover all payments due - Chase is putting consumers in an untenable position. It's not possible to tell exactly what is due because of the way they provide information online and their Customer Service people are responding with 'nothing is due. '' Secondly, again, as the card is being marketing as a premier travel card - sending notification via paper of card in errors - is disingenuous. They can do this of course, but if the consumer has elected email notifications - precisely because they travel - then the company is best advised to provide notifications in duplicate or triplicate or however they wish but certainly in the manner the frequent traveler has requested. Bottomline - Chase appears to be " tricking '' the customer into non-payment.
Product: Credit card or prepaid card

I requested a new XXXX  XXXX Bank of America XXXX in the middle of XXXX of XXXX, the card was never received. I called inquiring why XXXX XXXX received my card in the beginning of XX/XX/XXXX and found out the card sent but just left on the porch out in the open by whichever delievery carrier was used. Upon calling Bank Of America and requesting an additional card requested to be sent I was informed the previous card was acrivated and my funds were drained out of my account with fraudlent unauthorized transactions. Upon successfully receiving it after the first failed attempt I tried to activate the card for I can gain access to my online mobile transaction history I was informed my account has been frozen. This is ridiculous that funds can be fraudulently taken out of my account and when I try to get it resolved they freeze my account after filing a claim for the all the money that was fraudulently stolen from my account. The claim was filed on a Friday XX/XX/XXXX and then claim was denied by the following Monday on the XXXX of XXXX. I truly don't see how they could or properly investigated the unauthorized activity and to have a decision of denial like that. I'm clearly not the only individual that has had this issue due to the class action suit that has been filed against Bank Of America. No proper action wad taken by Bank Of America because they denied and put a block on the account that said couldn't be removed 3 days after I filed the claim regarding the fraudulent activity. After receiving mail sometime in the first week of XX/XX/XXXX, stating {$6.00} in fees was deposited into my account ( which was false ) I called and was told my claim yet again is being looked into which is why I'm filing this complaint to hopefully finally get the resolution that I rightfully deserve.
Product: Vehicle loan or lease

HDFS gave me a settlement offer I told them I was selling it to the dealer then a lady named XXXX violated my rights. The dealer said all they needed to pay it off was the letter then XXXX discriminated and discussed my account. The federal Gramm-Leach-Bliley Act of  1999 created a new opportunity for you to limit the transfer of your personal financial information. The law attempts to balance your right to privacy with financial institutions ' need to share information for normal business purposes.
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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

US DEPARTMENT OF EDUCATION has violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$0.00}
Product: Mortgage

I was told by XXXX that if my credit score went above XXXX during the process, my interest rate would drop almost a full percentage point. So then I contacted him XX/XX/20 and he said he redid the rate lock, and the rate did not change but I no longer had to pay points to get the 4.25 rate. This was different than when he initially discussed it with me. Then my final disclosure I told them about the error charging me a rate lock extension fee, they said because my other rate expired. I advised it did not expire as it's good for 32 days and it has been less than 30 days. They said they would correct it. At final closing they charged me {$540.00}. realtor told me it doesn't effect title so go ahead and sign and we can talk to lender the next day. So when I tried talking to them they refused to cooperate and kept insisting it was because my other rate expired when I closed on XX/XX/20, my rate had not expired. If it truly expired, then he didn't rerun my rate and lied to me on XX/XX/20. I have all the emails to prove it. I asked them to refund that rate expiring fee they refuse and now refuse to call me back refuse to answer voicemails or texts. They also caused multiple delays in my process taking well over 60 days to finalize because they did not order the appraisal timely and ask for documents several times over and over again when I had already provided them multiple times. They passed me around to about 7 different people in their office. The entire process was a disaster
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I was looking over my credit report and found some addresses that. 
Appear to be incorrect. I left the XXXX 6 months ago and want to delete all my old addresses in XXXX XXXX XXXX Oklahoma. I enclosed documentation providing proof of my current address, as instructed on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed, please ) : XXXX XXXX XXXX XXXX XXXX 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 There should only be one address listed on my report, which Is : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, to make the process of deletion easier, here are the incorrect spellings I see listed : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX Please remove inaccurate employer as well as listed below : THE XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. Thank You! 

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

Apartment was looted cards taken used fraudently beyond account limits bank Wells Fargo should not have allowed fraudulent charges I submitted DC police report XXXX on the looting and fraudulent transactions. Wells Fargo Bank repeatedly allowed fraudulent transactions beyond account limits and Wells Fargo Bank has not accepted responsibility. 
I had XXXX secured credit card with no overdraft no cash availability and Wells Fargo Bank allowed cash transactions all the way to almost XXXX in one month.
Product: Prepaid card

My CashApp account has been compromised as there were a few unknown attempts to purchase. Due to this, I would like to request a replacement card, but with my current legal name ( last name only changed through marriage ). I have opened 3 different Cases and provided pictures of my state DL ( with my current legal name ) front and back, along with a picture of me holding the card next to my face and further had to still send in my marriage certificate, which I have done twice.

CashApp seems to still refuse to update my last name. The following has been sent in one of my latest emails to CashApp support.

Again, to provide the severity of the request : M
y account has possibly been comprised, as there have been a few attempts to make unknown purchases. Due to this, I would like to order a new card but first update my legal last name so that the correct name can appear on the new card. I have changed my pin and locked my card for security purposes in the meantime. Being held up with the name change after providing everything asked multiple times is holding up my ability to order a new card with my correct name and further leaving my account vulnerable. 

History : I have been a loyal CashApp customer with the current account for over 10 years and even spoken highly of CashApp to others who may have been skeptical to use it. I have never had any issues with this account until now and I am taken aback with the obstacles I am forced to deal with in order to simply change my legal last name. Furthermore, no one can tell me why it is necessary for me to repeatedly upload and respond with the same information, creating a run-around process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not reporting accurate information that is being reported to them by XXXX XXXX ( auto loan ). XXXX of XXXX paid as agreed never late, XXXX and XXXX of XXXX paid as agreed never late. This information is missing from my credit report. Please update these months as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of XXXX XXXX EQUIFAX Collection Company XXXX XXXX Amount {$1600.00} Equifax deleted the information from XXXX XXXX after 120 day investigation only to place the information back on my report in XX/XX/XXXX and XX/XX/XXXX which it still remains. It only seems to disappear after I contact the CFPB and file a complaint. I have ask for proof of verification several times in XXXX but never received it. 
Equifax is the only company that this problem still consist with and I turned in a police report that the company says they can not locate anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX  XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX BANK XXXX Balance : {$830.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX Balance XXXX {$1200.00} XXXX XXXX XXXX : {$25.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

To AMERICAN EXPRESS : Credit Decline Application # XXXX OFFER REJECTED NOTICE ATTN : AMERICAN EXPRESS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Application means : A putting to, placing before, preferring a request or petition to or before a person. The act of making a request for something. A written request to have a certain quantity of land at or near a certain specified place. The use or disposition made of a thing. A bringing together, in order to ascertain some relation or establish some connection ; as the application of a rule or principle to a case or fact. An appeal or petition, especially as written or presented. 


Means For purposes of this part, an application for a loan or other service is as defined in Regulation C, 12 CFR 203.2. in CFR This correspondence is in regard to the application denial of credit on XX/XX/2021. The adverse action offer is hereby rejected, credit application is a financial asset according to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). Said adverse action is in violation of the following : 17 CFR 240.10b-1, 15 U.S. Code 78ff, 15 U.S. Code 1691 ( a ) ( 3 ), 18 U.S. Code 241, 18 U.S. Code 242 Reconsideration : Open end consumer credit card pursuant to 15 U.S.C.1602 ( m ) with maximum allowable by the applicable law, 15 U.S.C 1602 ( j ). Balance will be zeroed out on a monthly basis via special deposit of the interest bearing coupons associated on the itemization statement, instrument is a non-cash item ( 12 CFR 210.2 ( k ) ). Once it is available.

Final offer is non-negotiable relief and remedy from default may be achieved by servicing contract/self-liquidating paper under Regulation Z for a finance charge. To dishonor this counter-offer must be received within Five ( 5 ) business days from the receipt of this notice via written correspondence. *Conspicuous statement do NOT ignore* This is your opportunity to cure as well as your notice of default for the servicing of the credit application. 


You meaning AMERICAN EXPRESS and any of its agents, affiliates, subsidiaries, assignes, etc. may NOT contact me by any means other than written correspondence. Failure to comply may result in billing.

Legal proceedings may be enacted if dishonored. 


Notice to agent is notice to principal Notice to principal is notice to agent By Accommodation : Without Recourse