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

I financed my 2018 XXXX XXXX with Santander Consumer USA, and everything seemed fine until I reached the end of my loan, only to find that I had a higher balance than anticipated. During the pandemic, I lost my job and faced difficulties starting a business. To manage my payments, I called XXXX times to extend the life of my loan, but to my shock, I still had a debt of over {$5000.00} at the end of it. 

Santander Consumer USA is supposed to create a reliable payment schedule to ensure a smooth pay-off, but when I called, they insisted there was no mistake and that I still owed the amount. I spoke to XXXX different representatives, both of whom told me the same thing, so I requested an escalation. The woman who contacted me refused to let me speak. I informed her that I was filing for bankruptcy and wanted to negotiate the balance before proceeding. She firmly stated that Santander Consumer USA does not settle accounts and threatened to repossess my car for a balance that was largely due to interest. I asked to speak with someone who could make a decision, but she repeatedly insisted that they do not settle accounts. I even offered to pay half of the balance as a compromise, but she wouldnt budge. If I choose to continue making payments, I would be locked into paying for another year or more.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file 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 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 XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Identification of status to company LENDMARK FINANCIAL SERVICES cooperate office with billing errors with IRS pub. U.S.C. and UCC commerce and trade understanding with honor on UCC and was rejected and negotiable instruments with stipulations was deposited TITLE 15 USC 1611 TITLE 15 USC 1605 TITLE 16 CFR 433.1C 433.2 433.3 TITLE 12 USC 1431 12 USC 411 18 USC 8 HJR 192 73-10 ( CHAP 48.48 ) UCC 3 -603 306 311 501 502 104
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress : for these violations.
Product: Vehicle loan or lease

XXXX {$1000.00} deposit to hold vehicle XXXX {$320.00} flight to pickup vehicle {$40.00} XXXX XX/XX/XXXX - {$20000.00} down payment 1/18/2023-extended warranty {$9000.00} XXXX XXXX XXXX XXXXXXXX {$40000.00} XXXX XXXX XXXXXX/XX/XXXX {$4200.00} XXXX XXXX XXXX {$5000.00} XXXX XXXXs {$3000.00} XXXX XXXX  XXXX {$1500.00} XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX {$1900.00} XXXX XXXX XXXX XXXX  Total Out Pocket Expenses {$130000.00}
Product: Credit reporting or other personal consumer reports

I noticed hard inquiries that do not belong to me when I checked my credit report.
Product: Student loan

I hope this message finds you well. I am writing to discuss my student loan account [ insert account number ] and to explain my current situation. 

Due to circumstances beyond my control, I was incarcerated and, as a result, was unable to complete my education. This has significantly impacted my ability to find employment and repay my student loans. I understand the importance of fulfilling my financial obligations, and I am committed to resolving this matter. 

I would like to request consideration for options that may be available to me, such as deferment, forbearance, or any other assistance programs that could help alleviate my financial burden during this difficult time.

I appreciate your understanding and support as I navigate this situation. Please let me know what steps I can take to address my loan and any documentation you may need from me.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Received notice that they were given my information from my creditor. Have no proof of the debt when I told them I wanted it and disputed it online through a credit reporting agency. Got no response. I keep getting calls, multiple times per day. When I block, a new number calls. This is harassment and I intend to continue to dispute this debt, and want them to cease and desist any forms of contact until I have proof of debt, as well as only contact me via standard mail.
Product: Credit card

I am an American Express ( AMEX ) customer. Prior to XXXX 2015, I made a hotel reservation through the AMEX XXXX ( XXXX ) web portal. Sometime in XXXX 2015, AMEX revised and remodeled the XXXX web portal in a manner that made prior reservations inaccessible to its customers and its AMEX Travel customer service unit. I was advised by AMEX Travel personnel that my reservation was irretrievable. Accordingly, I was led to believe my reservation was purged, erased and/or " lost. '' Months later I was charged a " no-show '' penalty by the hotel because it alleges the reservation was never cancelled, despite representations by AMEX travel that the reservation was " lost. '' I disputed the charge and AMEX has insisted that it is a valid charge. AMEX has consistently refused to acknowledge its responsibility for the penalty charge. I incurred the charge as a result of AMEX 's profound negligence, or as the result of a conspiracy of AMEX and its hotel partners to defraud and deceive its customers and impose frivolous, fraudulently incurred penalty charges when no services were rendered. I was given no opportunity to avoid imposition of such fraudulent charges. I have attached a letter I sent to AMEX that provides background on how AMEX 's negligent and/or fraudulent conduct resulted in an unlawful penalty charge that I was required to pay just to protect my consumer credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report shows on my XXXX XXXX I owe {$400.00} and a Credit Limit of {$2000.00}, incorrect information! I owe {$97.00} and my Credit Limit is XXXX! I have not owed {$400.00} on this Card. XXXX XXXX Credit Card shows I owe {$25.00} XXXX paid my XXXX XXXX Card off on XX/XX/ I owe {$0.00}. This is false reporting on my Credit Reports by XXXX, Experian and XXXX!
Product: Checking or savings account

I want early warning system to stop reporting inactive stuff on my report and it is so in fair to me the way they reporting my info from XXXX XXXXXXXX XXXX and I want them to remove everything from XXXX XXXX XXXXXXXX I don't owe them any thing and my account is not fraud and they need to take that off my early warning system.Thanks.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

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

CFPB - I've reached out to the creditor XXXX requesting a copy of the 1099c form filed for the charged-off " Account XXXX ''. Attach you will find the certified letter mailed to XXXX requesting this document to provide to my CPA - as well as 2 phone calls made to the creditor requesting that they send this information over. I've have yet to receive the 1099c form. Because XXXX have not sent over the 1099c form as requested on three different occasions, I've come to the conclusion XXXX has/is committing " Tax Fraud XXXX and I plan to report this issue to the IRS if this account is not removed from my consumer report within 5 business days. This account is a charge-off which is cancelled debt and because this a cancelled debt the creditor " HAD '' to file a 1099c form. Because a charge-off is cancelled debt this means this account is classified as taxable income- which taxable income should not be reported on my consumer report. According to 15 us code 1681 a 1 The banking system is dependent upon fair and accurate credit report- ing XXXX 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. This is " '' Inaccurate '' reporting and im requesting a deletion of this account from my consumer report ASAP.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one 30 days late payment reported on an account. I was never been 30 days late payments for Consumer Reporting Agencies as they assumed. They have a vital role and responsability to report Consumer information in safety way, and the best ability with XXXX XXXX. I have never been on late 30 days payment for the Account " Web Bank Avant '' with account number " XXXX ''. Please investigate and provide good information that these payments, were late for more 30 days. Otherwise If proof CAN NOT be provided, I request to fix these wrong information payment status be moved and updated to " ON TIME '' status as they should be. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't authorize this company to run my credit nor did i apply for this company. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account of XXXX XXXX XXXX account # XXXX has not been validated. I have asked XXXX XXXX and Exquifax also XXXX XXXX XXXX to provide me proof of this debt bearing my signature and all i receive is a a letter from the credit reporting agencies saying that its accruate and then a itemized list of charges from XXXX XXXX. What is that? that doesnt tell me anything? .. By law i am allowed to asked for this information and it is to be provided. I have written letters and nothing is getting done. I wrote a letter on XX/XX/XXXX i wrote XXXX XXXX and they sent me and itmeized list of charges. look at the attached credit reports from bureaus. they are all different and reporting inaccrurately and violates my consumers rights to have accurate information on my credit reports be 100 verifable at all times FCRA. 

account is charged off -- XXXX XXXX date XX/XX/XXXX, equifax XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and how is there a usage on a closed charged off account? it cant be past due ... dofd is not accurate on all 3 bureaus. 
2 bureaus dont have no high balances reported etc
Product: Debt collection

In XX/XX/XXXX, I was in the midst of a financial crisis, losing my job and having to relocate and downsize. At that time I had a balance of {$1400.00} with XXXX ( XXXX ) and had managed to make payments up until then while suffering an outrageous interest rate of 29.9 %. On XX/XX/XXXX I was attempting to work out a debt relief agreement with XXXX ( hardship application ) and requested a modification based on the amount of extraordinary interest and fees that were being added to my bill. After back and forth FAX communications they denied my request and followed up by transferring my debt to XXXX XXXX XXXX. These people were confusing to say the least, and after trying to negotiate my debt down with them I ended up with XXXX XXXX- and began to get threatening letters and calls from XXXX XXXX XXXX . I see that XXXX XXXX ( Square Two Financial ) is being sued ( many complaints about their tactics ) and that they are a shell corp and they are filing bankruptcy! At one point last year I had worked out a payment plan with them- but they reneged on the terms and reverted to the original debt and payment. I wrote them twice afterwards stating that I was not happy with their disregard of our agreements. Since then they have constantly called me, threatened me and have ignored my letters and correspondences. 

At present I live on social security and odd work when I can. Can there be some help to rectify and end this foul issue on my credit report- after all over the time i had the loan with XXXX I paid thousands of dollars in interest and fees. 

Sincerely, XXXX XXXX
Product: Credit reporting

Equifax and XXXX ( XXXX separate companies and services and charges yet identical products ) enrolled me unknowingly in their credit monitoring program and charges my credit card {$1400.00} a month. My credit card was recently changed and a new card was sent to me with a new number. Equifax and XXXX obtained my new credit card number without my knowledge. Either XXXX provided it to them without my consent or somehow they obtained my credit card number from someone else. There is no clear way to cancel this service, presumably since it 's an unwanted service and a legitamate yet scamming service.
Product: Credit reporting, credit repair services, or other personal consumer reports

My research on FCRA 605 indicates that credit bureaus are required by law to remove and ban any items that are discovered to have been opened as a result of identity theft. Again, it looks that my credit with you has been compromised. The reported items are giving me a great deal of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. The following items must be taken away by CREDIT BUREAUS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies did not had permission or authorization to request a copy of my credit report. XXXX XXXX - XXXX XXXX ; XXXX XXXX XXXX XXXXXX/XX/2021 and XXXX XXXX- XX/XX/2021. I demand the deletion of these inquiries from my XXXX report, they are unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletions. Thank you for your time and attention to this matter.
Product: Credit card

I have asked Bank of America to stop mailing me promo offers for 2 years and they WONT stop! 

I am starting to think im part of a sick joke. 

Why arnt you at CFPB doing anything? 

Are you fining BOA? 

It is a law they have to stop when i request them to stop and they have not. 

Is there a pending class action lawsuit i can get my name added too? 

Can i get BOA legal departments email? 

I have attached photos of OVER 50 promo offers... and sadly those are just the promos i have kept since requesting them to STOP!!
Product: Credit reporting or other personal consumer reports

RE : Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law under which I will sue is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress make the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( 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} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer, I have the right to privacy and this bankruptcy must be deleted from my consumer report or I will seek monetary damages in small claims court in my city and state. Also, I already sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

MicroBilt is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), 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 to whom the report relates.
Product: Credit card

Wells Fargo deducted {$16000.00} from my personal account to cover a debt that my daughter and son-in-law had incurred with them as a guarantee for a business they own. Wells Fargo stated that they were allowed to do this because of the fact that in XXXX of 2015 I placed my daughter as joint on XXXX of my accounts. I put my daughter on the account as an act of estate planning so she would have easy access in case the need would arise for medical issues etc. for myself. Not my daughter nor my son-in-law had invested a single penny in the account prior to or after I added my daughter to that account. The money had been placed there by myself and my deceased husband which can be proven by where the deposits came from which was from our work or our personal tax returns. My daughter also did not spend any of the money in the account as it was not hers and did not have permission to do so!!! I did not know what was going on with the debt that my daughter and son-in-law had incurred with Wells Fargo or that they were behind on payments. I was never alerted about the debt by Wells Fargo prior to Wells Fargo taking the money out. I had never gotten any mail from Wells Fargo in my daughters or son-in-law name prior to the deduction from my account. After the deduction from my account I started to get mail from Wells Fargo addressed to their business and then also my daughters name as though they were trying to associated the debt to my address and to me. I contacted Wells Fargo personally and was told nothing as I was not the business owner, but yet they can take my money from my account. I submitted paperwork at the local branch and all I got told is that they were allowed to do this. I had an attorney mail a letter and it was ignored ( Attached ). I had nothing to do with the debt of the business that was guaranteed by my daughter and son-in-law or had any doings with their business in any fashion. The debt was solely theirs and not mine. The fact that I put my daughter on my personal account for estate planning and to help ME in case of medical needs and for Wells Fargo to take MY money that my husband and I worked for not my daughters money is outrageous!!!!!!! She had XXXX contributions to that account and it was not hers!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/XXXXXXXX  I was arrested and taken to custody where I made the mistake of calling XXXX XXXX XXXX to get my own bailout and paid upfront for prepaid services of {$1000.00} plus {$15.00} processing fee which I agreed to. Then in late XXXX, out of nowhere, without me knowing, I had a Hidden Junk Fee for {$250.00} which I had no knowledge because this was never disclosed to me, for fees I never agreed to. Which I tried multiple times resolving with AWA Collections who are really a Pain, I ask to prove me I owed {$250.00} ( now about {$270.00} ) when my service with XXXX XXXX XXXX  was prepaid and paid in full upfront, before I could get bailout. My case was cleared by the court of law on XX/XX/XXXXXXXX  when I was XXXX  from the court of law. I dont recognize thhid as mine because my service was prepaid paid full upfront. XXXX XXXX XXXX  is not clear and upfront with the services they offer hiding fees to consumers which they must be disclose to consumers before they make the contracted service.
Product: Credit card

Received a letter from Citi on XX/XX/year> threatening me with a collection agency, they still charged me for purchases and interest charges on a closed account. I paid the balance in full {$220.00} as I get the impression that no matter what my complaints against Citi 's predatory practices are, big corporations will always win, and I will always be treated as being in the wrong. 

Citi Bank is a predatory business, managed by a pack of crooks. According to them, my accounts have finally been closed.