23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Last month, on XX/XX/XXXX, I realized that I had not paid one dollar toward the premium on my auto loan. A friend of mine in the conversation said " What do you owe? You've had your car loan long enough to be paid off already. I looked at the bill and was outraged to see that I had not paid anything on the premium and had been only paying off the monthly interest. I called the company to see if they could release the loan or refinance it. They said that they understood, but they do not refinance their loans. The loan was for a XXXX XXXX that I had purchased on XX/XX/XXXX, for {$9000.00} with XXXX on miles on it, from dealer # XXXX with a car loan for close to {$11000.00}. The payoff amount ( today ) on XX/XX/XXXX, including repossession fees of {$880.00} totals for {$9700.00}. 
The company is Santander Consumer USA Account Number Is XXXX Monthly payment is {$280.00} Monthly interest is {$280.00} XX/XX/XXXX past due is {$1700.00} ( per their website ) Last payment was {$850.00} on XX/XX/XXXX ( paid from student loan ) Account Maturity is XX/XX/XXXX Next payment is due on XX/XX/XXXX I figure if my payments started in XX/XX/XXXX and ended in XX/XX/XXXX that I would have paid 44 ( months total ) x {$280.00} ( monthly payment amount ) equalling {$12000.00} and that amount comes way over the {$11000.00} loan amount I thought I was paying for my car. I have been told I will probably go to my grave and my car will be my coffin if I don't do something now about this loan. Santander will not help me, even if they know I am a XXXX XXXX, under a hardship, and having trouble making my payments. I did not know auto loans like this ever existed and feel embarrassed that I got bluffed by a loan shark and a crooked dealership.
Product: Mortgage

I was hoping you could help me again move things along with Shellpoint Mortgage Servicing on getting a release for the property at XXXX XXXX XXXX XXXX, WI from XXXX XXXX XXXX. XXXX, WI The problem started when XXXX XXXX  broke up the three properties into three separate loans but thy kept using the same legal description on all three loans. I spent over TWO years working with XXXX XXXX who bought the loans from XXXX XXXX  trying to straighten this out. I hired a lawyer who they just ignore. So, I went on a letter writing campaign to every government agency I could think of, my Senators, XXXX XXXX XXXX, ect .... 
That finally got a response out of them. Within a couple of weeks, I had my release so I could sell one of the properties. They were in the process of correcting the legal descriptions on the other two loans but unfortunately they sold the loans before there legal department finished correcting the legal description on the two remaining loans.

Now Shellpoint Mortgage Servicing has the loan and I've been trying to get a release so I can refinance one of the properties. I am Kind of on a timetable because the refinance was to pay off a substantial debt that I owe to the USDA for a defaulted Farm loan. We negotiated a very reasonable settlement which we are going to take the proceeds from the refinance and forgive the rest of the debt. My concern is because of the delay in getting the release from Shellpoint for the property they may pull their offer off the table and I'll still be liable for the hole amount. 

Attached is all the supporting documents. Surveys with the correct legal description, Letter from XXXX acknowledging the problem, XXXX release for lot # XXXX. 

At this time I'd be grateful for just the release for lot XXXX from lot XXXX & XXXX. This way I can continue with the refinance and paying off the USDA. At a more convenient time we can work on correcting the legal description on the loan documents. 


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

Date : XX/XX/XXXX Company : XXXX XXXX XXXX  Date : XX/XX/XXXX Company : XXXX DateXXXX XXXXXXXX, XXXX CompanyXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX CompanyXXXX XXXX  DateXXXX XXXXXXXX, XXXX CompanyXXXX XXXX XXXX XXXX DateXXXX  XXXX, XXXX CompanyXXXX XXXXXXXX XXXX DateXXXX XXXXXXXX, XXXX CompanyXXXX XXXX DateXXXX  XXXX, XXXX CompanyXXXX  XXXXXXXX XXXX, DateXXXX XXXX, XXXX CompanyXXXX XXXX XXXX  XXXX XXXX DateXXXX XXXX, XXXX CompanyXXXX XXXXXXXX DateXXXX XXXX, XXXX CompanyXXXX XXXXXXXX XXXX XXXX DateXXXX  XXXX, XXXX CompanyXXXX XXXXXXXX XXXX XXXX XXXX I believe these unauthorized inquiries violate the provisions outlined in Title 15 USC 1681, as I have not applied for credit or sought any services from the aforementioned creditors, and therefore, these inquiries are not valid or authorized. As a consumer, it is my right to have accurate and up-to-date information in my credit report, and unauthorized inquiries can negatively impact my creditworthiness and financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inaccurate unverified alleged negative report from XXXX is in violation of 15 USC 1681i ( 5 ), I am very concerned at the discrepancies on my credit report I am a protected consumer that only wants true and accurate reporting, a statement of an alleged debt is NOT debt validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XXXX of XXXX and I've never received a response to my request, no investigation has begun and no response has been sent. This is preventing me from moving forward with my goals and impacting my ability to secure affordable housing. I understand that as a credit bureau youre a for profit entity and investing consumer disputes and complaints is not in the best interest of your company, but you have enormous power over my financial situation with the data you hold within your company. Please respond to my request!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  acct # XXXX XXXX XXXX XXXXXXXX XXXX, on XX/XX/2021. Has violated my rights 15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Student loan

Not understanding the interest on the balance. The amount I have been told is not consistent and I have not seen a decrease. Loans have been deferred and in forbearance sold from XXXX to Navient now to Department of Education. I am now currently enrolled in IBR and public forgivness and still no change.
Product: Debt collection

I have three fraudulent accounts on my XXXX credit report. 1 ) The first one is XXXX XXXX for XXXX XXXXXXXX XXXX account XXXX the collection says paid in full but however its not mine I want it removed 2 ) the second one is XXXX XXXX  account number is XXXX for {$600.00} I never attended this school. FDCA gives to challenge fraudulent information I would like this removed from my XXXX credit report 3 ) the third on my XXXX report was XXXX XXXX XXXX account # XXXX for late payments I never finance through them. My car is through XXXX XXXX XXXX XXXX. 
4 ) XXXX XXXX XXXX account number XXXX closed account on my XXXX report this a fraudulent account I would like removed off my account. 
5 ) Capital one closed account that I never had is s fraudulent account. Account number XXXX I have late payments but this was never my credit card. I need late payments removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employer : XXXX XXXX XXXX  Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXXXXXX XXXX XXXX  Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax EMPLOYER : XXXX XXXX D XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Collections : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED XXXX XXXX DELETED FROM MY XXXX REPORT ASAP. 
I NEED TO HAVE ALL INQUIRES REMOVED FROM ALL XXXX CREDIT REPORTS ASAP
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Vehicle loan or lease

0n XX/XX/2023 I applied for a car loan at XXXX XXXX of XXXX XXXX I have sent XXXX XXXX XXXX XXXX XXXX XXXX XXXX , a letter with no response from them as well as no remedy. I gave them an asset backed security that is being traded on the primary and secondary market for the next 33 years with my signature as the collateral used, which according to their forms filed with the SEC and multiple prospectus an open ended unlimited credit should be granted and I shall not be denied. Since they have failed to comply I have been injured, humiliated, suffered emotional damage, pain and suffering and XXXX. Please help rectify this situation. Pursuant to their XXXX and prospectus reports my application has been securitized and traded to third parties and used as collateral. Yet I was denied a line of credit.15 U.S.Code 1691 it shall be unlawful for any creditor to discriminate against any applicant with the respect to any aspect of a credit transaction. I need to be compensated for my time and all violations and injuries.15 U.S.C . 1681n Civil liability for willful noncompliance : states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; ( 1 ) I was not able to receive vehicle ( 2 ) they added a derogatory mark to my credit dropping the score ( 3 ) They are making money off of a collateral backed security which I am receiving no proceeds or pleasure ( 4 ) I was humiliated twice, Once as I sat across the table from my long-time college friend having to catch an XXXX back home, And again as I got home and my oldest son ask me : What happened to the new car? I thought you were buying a car Dad. ( 5 ) To go to the SEC website and read the promises they made about not selling on the secondary market and how they would uphold investor and consumers rights 15 U.S. Code 1681 : 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.In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer a result of the failure or {$1000.00}, whichever is greater ; Unless credit be granted with all violations included you will pay the sum of XXXX XXXX  XXXX dollars in check form to XXXX XXXX ( Principal ) IF YOU FAIL TO COMPLY I WILL BE FORCED TO CONTACT THE FTC & SEC AND FILE AN OFFICIAL REPORT OF SECURITIES FRAUD AGAINST YOUR COMPANY & SUBSIDIARIES. 
DONE IN GOOD FAITH ALL RIGHTS RESERVED
Product: Debt collection

In XX/XX/XXXX my employer received a phone call from ACSI inc needing to verify I worked there. I received a call from my corporate office stating that a collection agency had contacted them and that I needed to contact them and tell them I can not receive calls at work. I immediately contacted this company that same day and asked who they were and what this was pertaining to. The Woman who answered the phone did not respond with a company name only stated this call is being recorded and would not give any information as to the name of the company. She repeated what is your name and how may I help you I stated that you called my employer who is this she then stated the company name and said she was a collection agency. She wanted my name and ss number to verify who I was. I declined giving that information and demanded that she let me know what this was regarding. Finally after arguing and demanding that she look up my name only she stated that this was for a student debt. I stated I have never had a student loan and demanded to know why they contacted my employer before ever contacting me. She stated that they have every right to contact my employer or go about any means to contact me to recover the money is for this debt. I told her to see if and desist from all communication they were not to contact myself any family members my appointment ever again this was not my debt they have the wrong person. 

A few days later I received for the first time a letter in the mail from ACSI. 
Attached was an acct # and paperwork stating that I am outstanding student loan from XXXX. 

Again I have never taken any student loans out nor have I ever attended any college or university which would require me to have needed to take out student loan. 

Now XXXX  on behalf of ACSI is threatening to withhold wages. I have sent a demand letter requesting proof of any documents showing validity of any student loans taken out. No response as of yet. 

Each direction I turn to runs me into a dead end. Contacting university XXXX XXXX which is the school the funds apparently went to. University XXXX XXXX verified that no classes were ever taken and completed by looking up my name and social security number. 


They directed me to speak with the debt counseling dept regarding this and she opened up a dispute case # XXXX. 

My only assumption is this may be a case of identity theft. 

My main concern is is this collection agency will continue to try to go forward with this without providing any validity. I have been reading that this particular collection agency garnish his wages even when there is no proof of a valid debt. 

They are devious and underhanded and will not stop at any cost simply to collect on a debt they probably paid pennies on the dollar for. 

This is not my debt!!!! I want this nightmare to stop!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a used vehicle from XXXX XXXX XXXX in XXXX, IL on XX/XX/2017. I gave the salesman permission to run my credit for approval with ONE lender, and stressed that I did not want my credit run multiple times, that if the first lender was not approved I would get financing on my own. 

As I had come to find out over the next several weeks, my request was ignored. I started receiving credit denial letters in the mail, from banks I had never applied for credit with. I received a total of 12 letters of credit denial in 2017. One has since fallen off my credit report, however the following 11 hard inquiries still remain ... all from the same date of XX/XX/2017 : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Over the next several months, I tried to fight the unauthorized inquiries through Trans Union and XXXX. I was told the only way to get them removed was by having the auto dealer who submitted them call each creditor. 

I left several messages for the salesperson, finance manager, and any manager to help address this issue. I was ignored, calls never once returned. 

I just found out about CFPB, otherwise I would have done this much sooner. Please help ... XXXX XXXX in XXXX has set a new low in dishonest sales practices, which has cost me additional money over the years due to 12 hard inquiries against my credit in just one day, which caused my score to drop significantly!
Product: Checking or savings account

Bank of America closed my checking account in XX/XX/2022. At the time of closure I had an available balance of {$28000.00}. The bank closed my account and held on to my funds. I have tried various times to resolve this issue with the bank to no avail. The claimed I should provide evidence of two deposits that were made into my account. I have since obtained evidence for those payments but now they wont work with me to present the evidence. It is absolutely absurd that the bank thinks they have the right to hold other peoples funds and its borderline criminal
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts below from my report : BRCLYSBANKDE XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00}, BRCLYSBANKDE XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2013 I did open a car loan with XXXX XXXX. The vehicle was totaled and there was a balance. The balance has been satisfied and the creditor is reporting it as a charge off/collection. I need this item removed IMMEDIATELY as it is negatively impacting my credit report and their money has been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to the XXXX XXXX  and XXXX account listed on my consumer report. Ive allowed XXXX, Equifax and XXXX a total of 2 years and counting. The chance to thoroughly investigate and report accurate information on my consumer reports. To this day, these agencies can not seems to accurately report. As Ive stated before, Ive been disputing the many inaccuracies on my reports. Keep in mind, I have all results of the many disputes. Each dispute states that each agency has verified the account with the data furnisher. I want to know, are these agencies using the same data furnisher? Im asking as the information that has been verified by each agency is completely different from the other? Ive even asked for the agencies to provide me with proof of the information that was verified by the data furnisher. Neither agency will provide, Im not understanding why these agencies can not provide me with this information. There is no way that these agencies can continue to report inaccurate information and refuse to show proof of where they are receiving this information. Ive tried just about everything possible for these agencies to report the information accurately or delete the account because of the inaccuracies. These agencies are continuously violating my consumer rights per the FCRA. I will be consulting an Attorney regarding the negligence of these agencies as they continue to report inaccurate information. Im asking that the CFPB take this matter seriously, please do not close this complaint as done previously with the companies stating that they will thoroughly investigate my concerns. Each time this has been done, no thorough investigations have truly been done.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : WELLS FARGO CARD SER Account Number : XXXX Date : XX/XX/2014 Amount : {$2200.00}
Product: Prepaid card

I've attempted to use this AMEX gift card at multiple locations, both XXXX as well as online retailers. None of them would allow use of the card. Many of them refused to accept it and wouldn't even attempt to use it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX and XXXXXXXX XXXX  are the same company. I got a loan with access loans in XXXX. In XXXX of XXXX I owed {$850.00} on the loan. I paid off {$400.00} in XXXX bringing the loan current and over half paid off. In XXXX I paid off the entire loan. Transunion CONTINUES to report this loan past due and me owing {$860.00} on the loan when it was current in XXXX and paid off entirely in XXXX. I can not get a house with this information still on the report!