23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My check was washed and cashed by a thief in XXXX. I didn't learn about the fraud until XXXX. Wells Fargo won't honor my claim because I didn't file it before I knew I was a victim. They also say I'm at fault for not reviewing my bank statement, even though the bank statement doesn't include the name of the payee.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX, US Dept of Education XXXX XXXX XXXXXXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

You closed my case XXXX and this issue is not resolved. We received a letter from the mortgage company, but they still have our account as if we are three months behind, we have missed no payments. We still can't get a clean Payoff of our mortgage to refinance or sell. this company seems really confused and has cost us a good interest rate and the home market is falling and we have loss equity in our home if we chose to sell when we originally started this process back in XXXX and it is now XXXX. Please HELP us they still have our account wrong due to us using the CARES ACT. Please see attached letter stating we still 3 months behind. We have not missed one payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, SYNCB/AMAZON add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX DC add a hard inquiry on my credit report per XXXX. 

But company did not provide the following proof : Permissible Purpose. 
My written authorization. 
Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

On XX/XX/year> a collection was added to my credit report for XXXX in the amount of {$980.00}. I have contacted XXXX several times and could not get any answers as to what this was for.
Product: Checking or savings account

on XX/XX/year>, i deposited a LEGIT company check of {$850.00} into my checkings account from a new job i started ( i did not realize a portion of the checks rounting / account number was unreadable ) I still have the exact check. On XX/XX/year> my checkings account was closed, and my savings account was locked having {$1400.00} in it still. XXXX then reversed and took money out of my savings before contacting me about the misunderstanding. 
I have called several times to ask for updates, as i continue to receive banks statements and mail for the closed accounts.
Product: Mortgage

On XXXX XXXX, 2015 my attorney submitted my most recent updated financial information to my servicer SPS. On XXXX XXXX, 2015 SPS gave my attorney a list of items they needed for my review. My attorney then forwarded all requested paperwork to SPS and then on XXXX XXXX, 2015 my attorney confirmed SPS had a complete application. On XXXX XXXX, 2015 SPS advised my attorney that they needed clarification on some of the bank statements for deposits of rent and my husbands contribution. On XXXX XXXX, 2015 my attorney again confirmed all paperwork was complete and no additional documents wer needed. Then on XXXX XXXX, 2015 SPS stated the paperwork sent was not clear enough. Everything was faxed again by my attorney on XXXX XXXX, 2015 and XXXX XXXX, 2015. On XXXX XXXX, 2015 SPS spoke with my attorney and now states they want everything again, but updated. Per my attorney and per RESPA Reg x, SPS was supposed to review my file for assitance within 30 days of having a complete file. My attorney has verified SPS had a complete file on : XXXX/XXXX/2015, XXXX/XXXX/2015 and XXXX/XXXX/2015. They continually string me along stalling and then asking for the same paperwork over and over. They are evading reviewing me for assistance by simply allowing the paperwork sent to expire and then asking for it all again. RESPA Reg x was put into place in order to stop this type of behavior, per my attorney. They can make a decision based on the paperwork they have in hand. Three times in the past 60 days they have had a full and complete file. I would like them to stop stalling and make a decision. The last time they confirmed they had a complete file was on XXXX/XXXX/15. The paperwork I sent in XX/XX/XXXX was valid through XXXX/XXXX/15. I should not have to send the newest paperwork over and over and over simply because they are stalling or not underwriting my information in a timely manner. My situation is not that complicated. They are making it complicated on purpose in order to evade reviewing me for assistance.
Product: Vehicle loan or lease

In XXXX, I was made aware an Attorney General Multi-State Settlement against Santander USA. I have reached out to them multiple times with regard to my auto loan and the settlement but they are unable to provide additional information. I believe my case should be included in the settlement due to subprime lending activities and failure to appropriate apply payments to my account. 

XX/XX/XXXX, I purchased a XXXX XXXX XXXX with financing through Santander USA. The purchase price was {$17000.00} with total payments of {$30000.00} and an APR of 19.55 %. Recently I noticed that many of the payments I made were going entirely to interest or varying amounts that do not increase. In order to understand these occurrences I reached out to Santander several different times. During one call the representive was unable to explain  the interest only payments despite the fact the on time payments. He advised me to make the payments ONLY on the due date and that the disperencies were due to my simple interest loan. During another conversation with a executive representative she suggested I make the payments before to avoid the entire payment being applied to interest. At the current monthly payment and APR the vehicle would not be payed off at the end of the contract. After 24 months of payments, only {$2000.00} has been applied to the principle. Several months I have payed more than the payment amount and still the entire payment has gone to interest only. I have made the payments on time and in full.

I allege that I, like many others were given subprime loans and outrageous APRs. I have attempted to reach an agreement with Santander USA but have not been successful. In addition I believe that I should be eligible for relief under the Multi-State Settlement.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, account XXXX XXXX  ( Number XXXX, Reference # XXXX ) has violated my rights. 

I am writing to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by the Agencies ( XXXX, XXXX EQUIFAX ), account number XXXX Reference # XXXX company XXXX XXXX XXXX ( XXXX ) and the original creditor XXXX XXXX XXXX. As of XX/XX/, the reported amount owed is {$3000.00} and the status is listed as a collection account. 

Under the FCRA, my rights to privacy and control over the presentation of my credit information are clearly described and protected. Specifically, I would like to draw attention to two sections of the FCRA that have been violated : 1. 15 USC 1681 Section 602 ( a ) - Right to Privacy : This section explicitly states my right to privacy regarding the information contained in my credit reports. It protects against unauthorized disclosure of my personal financial data and emphasizes the importance of maintaining the confidentiality of this information. 

2. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Written instructions requirement : This section requires that a consumer reporting agency, such as XXXX, can not provide information about my account without my explicit written instructions. This provision underscores the importance of obtaining my written consent before disclosing any account-related data. 

Despite the clear provisions of the FCRA, XXXX has failed to comply with these requirements, resulting in a violation of my rights. They have disclosed information related to my account ( XXXX Reference # XXXX company XXXX XXXX XXXX ( XXXX ) and the original creditor XXXX XXXX XXXX ) ; without obtaining my written consent, thereby violating my privacy and control over my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under. 15 U.S.C1681.

** These items below are inaccurate reports, accounts balances inaccurate dates, multiple creditors under different names, some accounts not mine.

** Creditors below have yet to provide proper documentation, they respond stating all reports are accurate. Which they are not at all. Still can't prove accounts do in deed belong to myself, name, dob, Birthday and social. 

Acct name : XXXX acct # XXXX Acct name : XXXX, acct # XXXX Acct name : XXXX  XXXX XXXX acct XXXX XXXX Acct name : XXXX XXXX, acct # XXXX Acct name : XXXX  " XXXX XXXX '' acct # XXXX Acct name : XXXX XXXX XXXX XXXX, acct # XXXX Acct XXXX XXXX XXXX, acct # XXXX Acct name : XXXX XXXX acct # XXXX Acct name : XXXX/XXXX, acc # XXXX Acct name : XXXX, acct # XXXX Acct name : XXXX, acct # XXXX Acct name : XXXX  XXXX, acct # XXXX Acct name : XXXX XXXX acct # XXXX Acct name : XXXX XXXX, acct # XXXX Acct name : XXXX XXXX XXXX XXXX, Acct # XXXX Acct name : * 15 U.S.C 1681 Section 602A. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

* 15 U.S.C 1681 Section 604A Section 2 states I must consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication; * 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.

* 15 U.S.C 1681 Section 602A. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

I have been disputing an account with XXXX regarding XXXX XXXX  since XX/XX/XXXX. The account was removed from my credit report in mid-XXXX XXXX and then was reinstated in early XX/XX/XXXX. XXXX stated that the furnisher submitted a letter stating that the account was verified as accurate and belonged to me. I requested their proof of documents and they never provided them to me. I filed with the FTC and reported the account as fraud based on identity theft and provided the FTC report with a letter of dispute sent to XXXXXXXX XXXX to which I never received a response. I resubmitted the dispute because the year this account was opened, I was XXXX with the Texas Department of Criminal Justice at XXXX XXXX XXXX  from XX/XX/XXXX. My release date was XX/XX/XXXX, XXXX. I provided the release documents provided to me by the facility 's warden when I filed this dispute. Then I got an email checking my dispute online and it was denied. I resubmitted the dispute on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and were denied. I am extremely disappointed, as I am providing concrete proof, and I think that XXXX and XXXXXXXX XXXX are not reviewing the disputes or proof provided. I need this information to be removed from my account as these accounts were opened without my consent while I was XXXX XXXXlease help me in getting this account removed from my report as soon as possible. Thank you for your assistance with this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion had a computer glitch that caused all of the inquires on my credit report to be deleted in XXXX, and my credit score increased. The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. I am requesting that the reinserted inquires be permanently removed from my credit report. In addition, I had a fraud alert placed on my file in XXXX of this year and yet there is a credit inquiry from XXXX XXXX in XXXX. The fraud alert states that i am to be contacted by phone. This did not happen. Lastly, I have requested that they remove inaccurate addresses, this has yet to be done.
Product: Mortgage

URGENT - Sheriff Sale on XXXX XXXX, 2015Hi. Wells, Fargo Home Mortgage commits fraud. 
I was working on a loan modification and sent in all my paperwork on XXXX XXXX, 2015. 
I was just called two weeks ago and told that my modification was denied because my mortgage was over {$720000.00} ( they knew it was XXXX when I did my documentation XX/XX/XXXX XXXX. I called and then Wells, Fargo XXXX XXXX XXXX XXXX said I was denied because I did not send in a profit and loss on my real estate company. 
I do n't have a real estate company and never received a letter or call on it. 
Then, I was sent a letter saying I was denied because I did not respond to them. 
I did call!!! Now, I get a letter stating that I am under a sheriff sale and sorry " we have not heard from you and there is not enough time for mortgage assistance prior to the sale '' XXXX. This is a lie, they can postpone the sale any time they want to postpone it. 
I just got another letter saying that Wells, Fargo is investigating my last CFPB, and will get back to me XX/XX/XXXX - THIS IS THE DATE OF MY SHERIFF SALE!!!!! 
PLEASE HELP ME. I have written to the OCC, FDIC, FBI, Wells, Fargo Senior Mgt. as well. THIS IS FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting information on my credit report that is negatively affecting my score. I disputed the authenticity of the collection account CONSUMER ADJUSTMENT in the amount of {$150.00} and it was taken off of my report. However XXXX AND EXPERIAN are still reporting this misinformation causing my credit scores to plummet. I have attached screenshots and photos proving that they are still reporting the account number, and XXXX is not. It is my understanding that all information reported must be ACCURATE across the board. So since this violates the law, I am formally requesting the CFPB enforce that they stop reporting and remove the collection account XXXX At once. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my {$500.00} limit credit card account # XXXX with First Progress Credit in  XXXX 2016. This was a secured card ( I paid the {$500.00} upfront ). I contacted First Progress in XXXX 2016 to indicate I wanted to close the card due to the fact I no longer needed this card. I was asked multiple times to please not close the card, however to clI was insistent they close my account and I paid the {$330.00} balance at the time. I asked if I needed to contact them back regarding any other issues to close my card, they stated it could take 30 days for any accuring interest to show. I called back in XXXX 2016 and asked if any unpaid interest was I was told may card was closed and I had a {$0.00} balance, and if any accrued interest occurred I would be sent a bill. I received no bill. I did receive mulitple solicitations to reinstate my card, which I declined. I recently pulled my credit report and after XXXX 2016 First Progress charged me a {$38.00} fee- never disclosed to me and never billed. I contacted them to indicate this was inaccurate and they stated an annual charge must have accidently been applied after my card was closed.I belive this is a fraudulent practice in an attempt to knowingly charge a fee once I closed my card, and worse yet they reported it 90 days late. I am so dissapointed at such a shameless attempt at defrauding hard working people. And STILL it is on my credit and has dropped my score nearly XXXX points! For a secured card that I had a {$500.00} deposit on! They stated they would send my my secured deposit within 30 days, it took nearly 8 months to receive my deposit- once again a shameless tactic.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with TRANSUNION, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

In XXXX, I graduated from a fraudulent school, XXXX XXXX XXXXXXXX XXXX. At that time, I was to go into repayment with Navient ( my former account holder was XXXX ). Navient steared me to go into forebearance and shared nothing with IDR opportunities. From XXXX to XXXX, with interest accrewing that I was unaware of, Navient encouraged me to go into forebearance. In XXXX, after doing my own research, I learned about XXXX, did what I needed to do qualify and went into XXXX on a annual basis. Around XXXX, I could not afford the over $ XXXX student loan repayments and they moved me to a monthly amount that I could afford. As a result of not moving to XXXX immediately upon graduation, I accummulated 5 years of compounded interest due to Navient.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request this time to correct the following inaccurate information that is harming my credit. 
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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX and XXXX XXXX XXXX has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681-2 Responsibilities of Furnishers of information to consumer reporting agencies.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXXXXXX XXXX XXXX the end of XXXX of XXXX and informed them that I was experiencing financial hardship due to me being and XXXX XXXX  in the medical field and that I was impacted by COVID-19 and need to setup arrangements on my mortgage payment that fell under the federal Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ). 
At that time, XXXX XXXX  placed my payments on a forebearance plan for XXXX, XXXX of XXXX and then it was extended for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments. 
When I noticed the late payments on my credit report, I sent a letter to XXXX XXXX  asking them to remove the inaccurate 30 day late payments from all XXXX credit bureaus since I was protected under the CARES Act, which President Trump signed into law on XX/XX/XXXX, Act amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis. The amendment defines " covered period '' as the period starting XX/XX/XXXX, until the later of 120 days after enactment of the CARES Act or 120 days ( extended by President Biden on XX/XX/XXXX ) or after the end of the national state of emergency declaration which is still active. 

As published in the XXXX XXXX for publication the notice stated that the national emergency declared in Proclamation 9994 of XX/XX/XXXX, beginning XX/XX/XXXX, concerning the coronavirus disease XXXX ( XXXX ) pandemic and to continue in effect beyond XX/XX/XXXX. 

It is stated that under the amended FCRA, if a " furnisher '', ( in this instance meaning the creditor who provided you this inaccurate information ), makes an accommodation because I was affected by COVID-19 during the covered period beginning XX/XX/XXXX, that furnisher must report my account as current to the credit reporting agencies, so long as I was not delinquent on payments at the time of the agreement. 

( PLEASE SEE A COPY OF MY CREDIT REPORT THAT WAS PULLED XX/XX/XXXX AND IT WAS CLEARLY NOT SHOWING A 30 DAY LATE FOR THE MONTH OF XX/XX/XXXX. IT JUST APPEARED ON MY CREDIT REPORT IN XXXX OF XXXX.
Product: Vehicle loan or lease

I have an issue with Bridgecrest. They charge outrageous interest charges. I have been making bi weekly payments toward a used XXXX XXXX XXXX  since XX/XX/. The payments were supposed to be {$350.00} per month not biweekly for five years. The total including finance charges is {$55000.00} in which I could have purchased a brand new car for this amount. This amount surpass my annual income. I have made some repairs on it already such as the right signal light and oil and filter change. The roof leaks each time it rains and leak down in the center console. The car had XXXX at the time of purchase. At this rate, I will not be able to repair my credit nor get something reliable to get back and forth to work in. Any suggestions are greatly appreciated it? Thank you!!