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

Underwriting dept did not follow California state guidelines and Predatory lending to unfair, deceptive, or abusive loan practices that benefit the lender while trapping the borrower in a cycle of debt. come with excessively high-interest rate 29.9 % hidden fees, and terms designed to make it difficult for borrowers to repay. 
XXXX. Extremely High Interest Rate 29.9 % my XXXX XXXX was below XXXX I already had I car loan I was paying on XXXX a single parent who had not started working a seasonal position giving me no down payment or pay studs required {$820.00} a month for 74 months on a used 2019 XXXX XXXX. I figured I would refinance in XXXX mos! But I quickly found out that was not possible I was told I should of never qualified in the first place and the Loan Terms That Dont Reduce the Principal If XXXX made payments for 2 years but I owed XXXX more then what loan was originally for. I found out that Santander consumer was just in a multi- state XXXX XXXX lost XXXX XXXX this was XXXX year earlier of this happening to me. I found myself on unemployment and unauthorized charges XXXX was not investing fraud claims and then denied me access to funds for 6 months I joined Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX that time I had to defer XXXX months payments and then leading to repossession I expected to get documentation after the car had been repossessed I called was told it was sent but I never received any thing I did eventually got calls for payment demands and then a letter stating car was sold at auction but that I still owed XXXX I eventually got a settlement check for XXXX for XXXX. And the option to file a claim request if I suffered fees or a repossession during this time XXXX denied accessed to funds so I filed my claim only I needed all required proof I suffered a repossession with supporting documents with all interest fees and late charges and total financial harm suffered so I called Santander again for the XXXX request specific information which I never received so the firm handing claims denied my submitted documents which was all I could get old statements and all letters leading up to XXXX and even documentation showing santantor sold car and amount still I owed but they never broke down totals or sent my proper repossession or reinstatement documents after the XXXX is that breach of contract or unethical & unfair business practice so financial harm Ive suffered after paying {$820.00} for 24 months on a used 2019 XXXX XXXX totaling I was out my $ XXXX With no car and still owing Santander XXXX on what balance was left after they auctioned the car off without giving me any opportunity to get it back and then by refusing or just not sending me needed repossession and requested documentation my claims request to be reissued for financial harm there actions caused was denied!
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan was sold by XXXX and is now being serviced by XXXX XXXX and the loan number is XXXX. XXXX has been servicing my loan since XX/XX/XXXX and I have never been late and always early on my payments. I have contacted XXXX   on XX/XX/XXXX and requested that they report to all credit companies as my home loan is 60 % paid and it would have a big impact on my credit scores. I spoke to XXXX XXXX XXXX and he said he would take care of it. He said it would take a couple weeks and it would show up. On XXXX XXXX I contacted XXXX and told him that it never showed up. then on XXXX XXXX I contacted a XXXX XXXX XXXX and explained the problem and she said she would sent it out asap and it should show up in a couple of weeks. This has been going on since XX/XX/XXXXand I have no one to help me. Hope you have better luck than I have had, Thank you XXXX XXXXXXXX XXXX email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

hey, i am XXXX XXXX and I am writing to delete the following information in my file. The items i need deleted are listed below i am vitim of identity theft and did not make these charges on these account. I ask these items to be deleted and my credit report corrected. I authorize to check my credit report and remove all fraudulent accounts aand inquires. Please HELP ME AS ASAP AS THIS IS AN ONGOING ISSUE AND EFFECTING ME NEGATIVELY and you guys are my last line of defense. Fradulent collections XXXX XXXX XXXXXXXX XXXXXXXX XXXX account # XXXX XXXXXXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquires Inquiry name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 8 inquiries on my report from XX/XX/XXXX to XX/XX/XXXX that are i am not familiar with. I havent opened or tried to open a credit card since my XXXX back in XXXX  XXXX there are many inqs that need to be investigated for fraud. i have tried to contact these companies before to no avail.
Product: Credit reporting

This company, XXXX XXXX XXXX, filed a small claims lawsuit against me for money owed to them, and won a judgment. They then hired someone, XXXX XXXX XXXX, to collect this for them. I have the written agreement between XXXX and me, the paid receipt from XXXX, copies of my cleared checks front and back. XXXX was to have XXXX XXXX file a satisfaction of judgment upon receipt of payment, and remove the items from my credit report. To date, this item is still reflected open on my XXXX and Equifax credit reports, and no satisfaction of judgment has been filed with the court. I can not seem to get this updated anywhere. I have filed disputes with XXXX and Equifax, sent both of those credit reporting agencies copies of the agreement, the paid receipt and front and back copies of my cleared checks, and all they do is ask the courthouse if this item is still open and then they tell me that they have verified the debt and it is still open. Which is what the court would say because the satisfaction of judgment was never filed, but that is wrong. The judgment has been satisfied. I need this item removed from my XXXX and Equifax credit reports, as it has been paid and satisfied.
Product: Debt collection

This letter is to formally dispute the debt you are attempting to collect from me. I am writing to inform you that your recent collection efforts have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, your actions have violated the following provisions of the FDCPA : * **12 CFR 1006.34 ( b ) ( 5 ) : ** This section prohibits you from using unfair or unconscionable means of collection, which can include harassing phone calls, misleading statements, or threats of XXXX. 
* **12 CFR 1006.34 ( c ) ( 4 ) ( i ) : ** This section restricts the false or misleading representations you can make about a debt.

* **12 CFR 1006.34 ( d ) : ** This section limits the number of times you can contact me regarding the debt.

* **15 U.S.C. 1681s-2 7 ( A ) : ** This section prohibits harassing, oppressive, or abusive conduct in connection with debt collection.

* Immediately cease all communication attempts regarding this debt.

* Verify and validate the debt with documentation.

* Remove any inaccurate information about this debt from your records. 

I am aware of my rights under the FDCPA and will not hesitate to take legal action if these violations continue.
Product: Debt collection

I took out a credit card with XXXX XXXX XXXX  for XXXX. I paid off the full balance of {$310.00} on XX/XX/22. They charged me XXXX for the same amount. I can provide bank statements to prove they charged me. When I called and told them I was charged XXXX they said they would refund me. They refunded me the money 2 months later but said I owed them for returning my money and will be charged fees. I called customer service repeatedly and was told they closed and sold the account on XXXX XXXX to a third party and to contact them. I called the Collector and they provided me with no contact information so that I may have my attorney send them a letter of representation. The customer service rep refused to give me any further information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below 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 XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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. This also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681. ( 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: Checking or savings account

Someone obtained my information and opened an account with Comerica Bank in my name. I did not authorize this.
Product: Checking or savings account

I have an acct with Moneylion, a banking app. I wanted to delete my account. I got nothing but run around from customer service, asked for a supervisor but the lady refused. please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing because I closed my account with Zales Outlet the XXXX XXXX on XX/XX/XXXX and paid it off in full. 

I began receiving phone calls from XXXX XXXX XXXX to collect a debt amount of {$69.00} and a new statement dated XX/XX/XXXX. On the bill there is an amount of {$33.00} for a previous balance and fees charges of {$35.00}. 

They have reported me as late for an account closed almost six months ago and has now messed up my 100 % payment history for the last XXXX years. 

I was put on hold and transferred three times for someone to help me with this. 

They told me I would have to call a number to request the credit reporting to be corrected. 

I have advised them I WILL NOT CALL ANYONE FOR AN ERROR on their part. 

They are refusing to help me. 

This is a scam and they need to be shut down. 

Please help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment history information reported is incorrect. I've continued each credit bureau and the creditor, XXXX XXXX XXXX. 

Experian states in the comments state in the comments Paid was past due 30 days 2 or 3 times Then they show in the payment history only 1 late payment ( XX/XX/XXXX ) That's incorrect information XXXX  state in the comments state in the comments Paid or paying as agreed Then show 1 late payment XX/XX/XXXX That's incorrect information XXXX  state in the comments Pays account as agreed Then show 1 late payment XX/XX/XXXX That's incorrect information Payment history is 35 % of the credit score. And all ( 3 ) of the reporting agencies and inconsistent, inaccurate information. All of them are extremely hurting my credit score with incorrect payment history information reporting.

I've sent multiple letters to all ( 3 ) credit bureaus They all updated to state paid as agreed with no late payments Then went back and started changing the late payment dates which cause even more issues as I was in the middle of the home buying process.
Product: Credit card or prepaid card

I tried calling Direct Express myself 6 to 7 times. I was either cut off or couldn't understand the person. I called regarding two withdrawals one in XX/XX/2019 and one in XX/XX/2019 that I did not make. I went to the Social Security office for help but was told to call the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I called the XXXX and made an appointment for XX/XX/2019 On XX/XX/XXXX, I met with an Elder Benefit Specialist to call Direct Express. When she called, we were not allowed to be on speaker phone. I am hard of hearing and the accent of the person was hard to understand. The customer service rep did NOT allow the Elder Benefit Specialist to use the speaker phone. He talked to her directly and had a hard time understanding. I gave permission for the EBS to talk to the rep. the rep told her he had to call an XXXX # associated with the transaction. She was unwilling to anything else. 
I would like these charges/withdrawals that I did not make credited back to my account. I asked for a paper statement and it is being mailed. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was told by a representative at Equifax that since it has a business relationship with the creditor, the account is verified and will not be removed. Equifax is breaking the law. Ive sent Equifax letters and complaints in great detail explaining this. At this point, EQUIFAX, is willingly and knowingly violating my consumer rights. The information it continues to report are discriminatory misrepresentations of my identity. You at EQUIFAX DO NOT have my permission to make reports containing any information from XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXXnd you must completely remove this account upon immediate receipt of this notice. 

This is not a dispute notice for you to send to XXXX XXXX in an attempt to pass the blame and avoid your repercussions for breaking the law. THIS IS A NOTICE FOR YOU AT EQUIFAX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update these inaccurate accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior request and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2017, XXXX, California Wells Fargo Bank Representative, XXXX XXXX said that a {$100.00} bill that I presented at the Bank looked counterfeit because, " It does not have the security strip and ( he ) could not feel the raised marking on the bill. '' He confiscated the {$100.00} bill and had teller XXXX XXXX # XXXX fill out a receipt that did not contain the bill 's serial number or any other marking that would attribute that specific {$100.00} bill to me. <P/>I challenged XXXX XXXX because i had reviewed the bill and noted that it was an older, worn {$100.00} bill that was printed prior to the insertions of the security strip, but the paper was checked out as good and there were no bleed through indications that it had been printed from a lesser bill. XXXX XXXX agreed with this but said that since it did not have a security strip and he could not feel the raised markings, he was going to confiscate it. Then he became a jerk and said that he did not have to give me anything other than the receipt and tried to bully me saying, " I thought you checked the bills ''. <P/>On XXXX XXXX, 2017, I filed a claim # XXXX with Wells Fargo Bank. On XXXX XXXX, 2017, I spoke with XXXX at Wells Fargo Bank complaint division who said the previous complaint had been closed out with the previous representative stating that the XXXX Branch Manager would call me. I never received any call and my caller ID would indicate it I had. <P/>I filed a second complaint on XXXX XXXX, 2017, Claim # XXXX with XXXX who later called me back to say that the XXXX Branch Manager would contact me. Again, I have received no call from the XXXX Branch Manager. <P/>As of today, XXXX XXXX, 2017, I have not received any communication from the XXXX Branch Manager, Wells Fargo Bank, nor have I received my {$100.00} back
Product: Debt collection

Called me about some debt collection, asked for someone I did n't know, harassing me for no reason. Calling from XXXX XXXX XXXX.
Product: Credit card

My credit card -- which I use heavily and which multiple automatic payments are tied to -- expires in XXXX of XXXX, and I have been getting many reminders from vendors about updating it. I am leaving the country on XX/XX/XXXX for a vacation. 

* I tried several times to resolve the issue through the website, but could not find any part of the website that addressed my issue. 
* I called on Friday, XX/XX/XXXX to enquire about timing for a replacement card for my expiring card. 
* While waiting to speak with a representative, an automated message said that a card had been mailed to me and asked if I was calling to activate it. 
* I spoke with XXXX (? ) who was very pleasant. She said that it would be arriving " any day '' because it had been sent on XX/XX/XXXX and would take 7-10 business days. 
* XXXX said that the card would arrive in an unmarked envelope. 
* I pointed out that it was already the 10th business day and that I have USPS Informed Delivery, with copies of scans of every piece of mail I receive. There were no unmarked envelopes on any of the scans in the previous 10 days, nor was one seen on the mail that was being delivered that day. There were also none with USAA on the outside. 
* She said it should arrive any day and asked me if I wanted to cancel that one and have her reissue the card and expedite it. I said that if she was sure it was sent on XX/XX/XXXX, and that I would get it by Monday, that I would wait. 
* Saturday XX/XX/XXXX nor Monday, XX/XX/XXXX brought the card, so I called USAA at XXXX XXXX  on Tuesday XX/XX/XXXX. 
* Before the USAA rep ( XXXX ) answered, an automated message said their records showed that I had recently received a card and asked if I was calling to activate it. I indicated that that was not the purpose of my call. 
* I explained the issue to XXXX. XXXX indicated that I was mistaken and that the card had not been sent until XX/XX/XXXX. She offered to cancel the card and send me an expedited one with uncertain timing ( 2-3 business days, probably ). She also told me that she could not waive the {$20.00} fee, but that I could call back and request that the fee be removed. 
* She asked if it was OK and I told her that it was not OK but that I did not see any choice and so I would agree to pay the fee. 
* I asked what would happen if the card did not arrive before my trip. She indicated that when the card is delivered to my home- even if I am already out of the country and unable to use it or activate it, my current card will stop working. All of the charges against the card for all of the services we charge to it will be denied and I will have no working XXXX XXXX  in XXXX. 
* Whether or not the card will get here is uncertain, given USAA 's previous mistakes.
Product: Payday loan, title loan, or personal loan

I was looking for a small loan at a time of need. I was contacted by this company through my email after my search on XXXX. The loan was taken out XXXX for a XXXX loan. I have paid back XXXX. At the time I was not aware i was approved. It was just deposited in my account after i submitted the application. I have searched and tried to contact them and unable to reach. I can not find a copy of agreement which was never sent. I have paid close to double. The interest is ridiculous and im assuming a year which would take this 5 times. BEWARE OF LOAN SHARKs.
Product: Debt collection

I would like to extend this complaint to this bureau as Credit Collection Services are attempting to settle a debt of {$37.00} representing XXXX XXXX XXXX XXXX subsidiary under XXXX XXXX umbrella. I have contacted them to figure out how I owe a debt when I was hospitalized from XXXX - XX/XX/2021. I was in a XXXX for over a month which I told this company to verify with XXXX XXXX XXXX XXXX, XXXX. How do you expect me to pay my insurance premium timely when my car was totaled XXXX XXXX XXXX XXXX? 

I spoke with XXXX ( XXXX XXXX XXXX ) Customer Service Department previously before this complaint and they refused to provide me a total loss statement essentially claiming they do not care and I should pay the balance for a crumbled car without remorse. This is unconstitutional and frankly illegal for an auto insurance company to tell you to pay for a vehicle involved in an accident while posting an insurance lapse on your driver record.
Product: Debt collection

Although I know that I am in collections, this company calls me more than 7 times daily. When they call and I am not able to talk they get very ugly and sayu mean things to me as well as threaten me. THis company even refused to give me a payoff amount and tried to force me to pay money before giving me a payoff to pay them off through a trade in. I was refused service, but then they turned around and released it to someone that I did not authorize them to do so. This company forced me into a deferment for COVID -19 and then added four months to back en of my loan ... .then mysteriously I now owe  late fees that equal to monthly payments although I had no late fees at all when the pandemic hit. THey will lie and state that this is not what I was being told by their reps ; however, I started recording my calls with them because they have the reputation of not being honest about what they are telling the consumers. My deceased mother has been talked about negatively by a rep and I have been called several liars about the health status of my XXXX brother who I was caring for after a XXXX. I was threatened that " I would be walking and they are picking my car up since I am acting like I am at work and cant talk right now. '' When the rep talked negatively about my deceased mother and retalited, I was told that they were picking up my car because I was being nasty to the rep ... they completely ignored that my dead mother was talked about on the call. This bank is truly a r complete rip off