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

ON XX/XX/XXXX, I FINANCED A VEHICLE FROM A NOW CLOSED AUTO DEALERSHIP NAMED XXXX LOCATED IN XXXX, FL. THE VEHICLE, A XXXX XXXX XXXX PRICED AT ROUGHLY {$16000.00}. I SAT WITH AN AGENT, DISCUSSED THE TERMS AND FINALLY CAME UP WITH A PAYMENT AMOUNT THAT INCLUDED GAP INSURANCE AT ROUGHLY {$430.00} PER MONTH FOR 72 MONTHS TOTALING TO {$30.00}, XXXX ROUGHLY WITH AN INTEREST RATE OF OVER 20 %. FROM XX/XX/XXXX-XX/XX/XXXX I MADE ON TIME PAYMENTS TO THIS BANK FOR THE VEHICLE. ON XX/XX/XXXX I WAS REAR ENDED BY ANOTHER VEHICLE CAUSING MY VEHICLE TO BE DECLARED A TOTAL LOSS. WITHIN THE NEXT FEW MONTHS, BY XX/XX/XXXX, THE VEHICLE WAS ASSESSED BY THE INSURANCE COMPANY AND VALUED AT ROUGHLY {$15000.00} AND THE PAYMENT WAS MADE TO THE BANK. FROM, THERE MY GAP INSURANCE WAS DUE TO PICK UP THE REMAINDER AMOUNT OF THE LOAN IF ANY. FROM XX/XX/XXXX - CURRENTLY, SANTANDER CONSUMER IS REPORTING A PAST DUE AMOUNT ON THE VEHICLE WHEN INDEED FOR A FACT THIS VEHICLE WAS PURCHASED WITH GAP INSURANCE TO COVER. THE PAST DUE AMOUNTS HAVE FLUCTUATED PREVIOUSLY ON CREDIT REPORTS FROM {$6700.00} DOWN TO {$5900.00}. THIS COMPANY HAS BEEN REPORTING INACCURACIES AND HAS BEEN VERY HARMFUL TO MY CREDIT STANDING. THIS VEHICLE SHOWS AS A REPOSSESSION TO CREDITORS AND IT IS NOT!
Product: Credit reporting or other personal consumer reports

This evening, I found incorrect accounts on my credit report, and I'm clueless about the cause. When I reviewed my credit report, as I regularly do, I discovered these unexpected discrepancies. Attempting to refresh my browser to fix a potential glitch did not remove the inaccurate accounts. Due to this problem, I request a thorough review of the documents I've provided to resolve this issue permanently.
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX XXXX XXXX  I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. Money was transferred from my account via bank wire and through an intermediary named " XXXX '' in the total amount of XXXX USD utilizing Bank of America 's services
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under XXXX XXXX XXXX XXXX ( b ) Billing Error : ( XXXX ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature on a statement. 
XXXX XXXX XXXX  XXXX - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by XXXX ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than XXXX  days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to equifax and they told ne that there was nothing on my credit for them to take off but I have a lot of inquiries as well as derogatory marks. this is crazy because my score is low and im trying to fix it but can't because they are saying there is nothing there.. I also have the letter to prove it if I need to.
Product: Checking or savings account

XXXX XXXX. I received a letter from Department of Supervision and Regulation. Consumer Compliance. In XXXX & XXXX I learned that Tax Identification numbers were created on me, without my knowledge. I only have the last four digits of each identification number 's. One was used in the bankruptcy court in XXXX. This is how my mail was being stolen. My personal information was being used as though I had a business. The last four digits of the EIN # is XXXX. The name of the company is called XXXX XXXX XXXX. The second EIN # is XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX , my late father. The EIN was created XX/XX/XXXX with XXXX. My father was deceased at that time. My personal information was linked to that EIN account. Please notice the envelope reads XXXX XXXX XXXX. XXXX XXXX is listed. XXXX XXXX and her sister XXXX XXXX put their mother in a nursing home. They are now abusing her retirement benefits. The address shown on the envelope was sold by the sisters in XXXX. To avoid authorities. The account I had with Regions Bank I made my sister, their mother my beneficiary. The address is XXXX XXXX XXXX XXXX TN XXXX. Their mother had a XXXX and is a XXXX. They chose to put her in a nursing home to take her retirement. They abused my personal information also.
Product: Money transfer, virtual currency, or money service

I posted via XXXX that I was interested in purchasing XXXX XXXX tickets for a show in XXXX, XXXX On XX/XX/19 I was contacted by a seller that had tickets. We bartered and came to an agreement for {$120.00} per ticket or {$250.00} total on XX/XX/19. The seller sent pictures of his XXXX account and the 2 tickets he was claiming to sell. He claimed he could send them immediately. The seller wanted to use the app Zelle. He claimed it was safer because it was backed by the big banks. As a consumer I thought this would be one of the safer applications for XXXX payment. I paid the seller for the tickets but the seller never sent the tickets. I have tried multiple times to contact the seller since the initial transaction. The payment was still pending the next XXXX and I immediately contacted my bank, XXXX XXXX XXXX XXXX, to cancel the transaction. They said they couldn't cancel the transaction but that we could dispute the charge. I went ahead and started that process. I contacted Zelle and they said that the app is designed only to pay friends and family and not intended for the sort of transaction I completed. The best they could do was to blackflag the other user. To my knowledge they did this. About a week later my bank sent me the decision that, they could not dispute my charge because it was authorized by me and in Zelle 's terms and conditions the app should only be used to pay friends and family and financial institutions are not responsible. My bank admits I was victim of a scam but claim there is nothing that can be done. I find this policy to be a cop-out for both banks and Zelle. I have researched and seen that when a users Zelle account is used fraudulently, they can reverse those payments. This means that they have the technical ability to reverse this payment. I also feel that my bank should have the resources to figure out which financial institution my payment went to, and can contact them to recoup the funds.
Product: Credit card

This company is reporting an identity theft account on my credit report from XXXX  or XXXX  and I have notified over and over that isnt mine and Im a victim of identity theft and they have ignored that and tried not to do their job. I didnt open this account and it isnt mine. My information was taken over and used through open multiple cards under my name. I have filed an FTC identity theft affidavit and if this isnt resolved I will pursue legal counsel
Product: Credit reporting, credit repair services, or other personal consumer reports

Both my husband and I are disputing an auto loan with XXXX XXXX. We paid the loan and on the documentation, it shows the loan paid on the XXXX report dated XX/XX/XXXX. I disputed this XXXX credit that showed up with it showing a repossession. XXXX XXXX andXXXX  are the same company. Furthermore, XXXX backdated a deletion of XXXX XXXX on XX/XX/XXXX! They deleted the correct account and kept the incorrect one. We are obviously getting caught up in a someone else 's bad car loan. 

We have tried to deal with all three bureaus and no one is deleting the incorrect information.You can see that the loan origination date is exactly the same. 

Please help
Product: Mortgage

I have been asking for an escrow refund since XX/XX/XXXX. Here are the details : Service First Mortgage issued an Escrow Refund in the amount of {$2900.00} issued on XX/XX/XXXX to XXXX XXXX XXXX, on property located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX. My Father, XXXX XXXX XXXX was the sole borrower on the Service First mortgage loan, however I, XXXX XXXX was an authorized user on this account, as well as being named co-owner of the Deed of Trust since XXXX. I currently and legally retain 100 % sole ownership in the property. 

I cared for my Father in our home together at XXXX XXXX XXXX XXXX, until he passed away on XX/XX/XXXX. I continued with the mortgage payments until I was financially able to pursue the legal process to have my Father removed from the Deed, and have the property refinanced in my name. Service First was paid in full for this mortgage on XX/XX/XXXX, as a result of being refinanced in my name. 

I spoke with the service representatives MULTIPLE times and provided them every single document they could possible need including the following items ; DEATH CERTIFICATE ORIGINAL WARRANTY DEED HEIRSHIP AFFIDAVITS NEW TITLE COMMITMENT SERVICE FIRST PAYOFF STATEMENT FINAL CLOSING STATEMENT PERSONAL IDENTIFICATION They have failed to issue me the refund for escrow overage and it has been a year since this loan was paid in full. I refinanced the home in my name. Please help me get the funds I am due. thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. I want reported accounts removed
Product: Credit card or prepaid card

Hello. I purchased furniture through XXXX XXXX in XXXX of 2016 with deferred interest. I was receiving my statement notifications and was able to login online as needed to review the statements until approximately 60 days before my interest deferral expired. I stopped receiving my statement notifications and was unable to login to the site without issues. I reset my credentials and contacted customer support about my login issues and the inability to get my statements to ensure the balance was paid off. At that time, I asked on more than one occasion to change to paper statements. I confirmed my information and still did not get statements in the mail or email notifications until after the interest was charged. I contacted TD bank with multiple written disputes that they denied and they refused to assist me. I believe they stopped sending the notifications purposely and neglected to send the paper statements even after two requests to allow the deferred interest to get charged. I would like to discuss this as they now have me owing more than {$1700.00} in deferred interest with no statement notifications and no letter in the mail even after I asked to change to paper statements well before the deferral timeframe passed. 

I am respectfully requesting the Consumer Financial Protection Bureau to help look into this and assist me as I have seen several other customers state online that they had similar issues with a deferred interest purchased account and TD Bank and failure to resolve statement delivery options and providing paper statements when asked if there was any issue with electronic notifications which is very unfair. Please contact me via email to XXXX, XXXX ( my wife ) or via phone to XXXX to help me get this resolved.
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 has 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 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 has violated my rights . 15 U.S.C 1681 section 602 A states I have a 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 instructions.

15 U.S.C 1681c ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I called XXXX XXXX and was told I cant get my payments lowered because my account is less than XXXX payments less so I cant refinance for a more affordable monthly payment. I then tried to get an extension and was told by an agent as long as I make a XXXX time {$740.00} payment to get my account out of XXXX days past due, then I am eligible for an extension. In the extension I was told I wouldnt have to make a payment until XX/XX/year>. The company did not honor this agreement and after many escalations they are now claiming my next payment will be due XXXX XXXX. This is a violation of the original agreement. The company refuses to replay the original call from XXXX XXXX. And everytime I ask for a call study or the issue to be escalated, no agent can find any information on the matter and then the issue gets escalated AGAIN, and AGAIN I am being told to call back in two business day, and then the cycle repeats itself again. I have been calling all month to get the issue resolved but have been getting the run around. They are trying to have me wait it out until so I either comply or forget about it. If they listen to the call from XXXX XXXX where the agent first offered the extension terms everything would be cleared up. Ally is practicing in predatory lending. 
Any time I call for an update on my escalation/ case they put in a new request since the initiation escalation shows NO SIGNS of being actively investigated. When I ask for an answer instead of listening to the lies from each individual agent, they cut me off get annoyed and hang up and STILL REFUSE the call study of the original call dated XXXX XXXX which explains the entire situation and misinformation that has caused this issue. Now I have another payment due in a week ( XX/XX/year> ) which is not the agreed upon date. Nothing was read to me to confirm the extension terms and next date of payment or the amount. They just changed my account without my consent which is falsifying documents and making changes to my loan without my agreement. 
They can honor the dates we originally discussed, do a call study to support the claims I have made against this company, and stop allowing its overseas agents to hang up on their customers. I have recorded EVERY CALL since XXXX XXXX. Either this call be resolved civilly or I will have to take legal action and pursue a class action lawsuit which during my investigation via petitions and social media I have found that I actually have XXXX of thousands of people in the same predicament as me with Ally. I have a large presence on social media, and I have XXXX trial lawyers whom I have been speaking with in regards to this matter who feel I have a strong case against ally given their recent class action lawsuit filing for a massive data breach and cyber security failings. They constantly fail their consumers with no notice or apology. I will seek legal action.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I'm unaware of this debt and did not have the opportunity to dispute this account if you believe you sent proper notification please provide " certified mail '' with receipt displaying my signature. IF not please delete account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ASAP off my credit report or I will take legal actions.
Product: Debt collection

I XXXX XXXX, the real natural person XXXX XXXX XXXX # XXXX did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. Please remove all fraudulent accounts as I have no know of any of these accounts due to the Equifax data breach/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. I understand that under 15 U.S. Code 1681c2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information RESULTING FROM identity theft within 4 days of receipt of this letter and not a day later YOU HEARDDDD! 
This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT
Product: Debt collection

When I reviewed my credit report a collection account was on there. I do not have any knowledge of this debt and I would like this debt to be validated/verified. The account is : Convergent Outsourcing # XXXX XXXX
Product: Credit reporting or other personal consumer reports

The company isnt providing correct reporting to credit bureaus
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence.By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX  ( Original XXXX XXXX XXXX  ) : Account number : XXXX, I was a victim of identity theft. 
XXXX XXXX  ( Original XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) : Account number : XXXX, I was a victim of identity theft.
Product: Mortgage

I was furloughed because of Covid and was put in forbearance for 18 months. When I resumed work this past XXXX, I contacted Flagstar Bank about resuming my payments. My ability to make payments online had disappeared, and they would not accept payment over the phone. I was told that I would be given options in a few weeks to get back on track. Since that time, I have called Flagstar regularly, and have been told over and over again that I would receive my options soon. I have repeatedly submitted documents regarding my furlough and income. Last month, I was finally able to pay the mortgage over the phone. I was told I will receive loan modification documents to get me back on track. I received the documents. Flagstar wants me to go from a 4.1250 %, 291 month mortgage to their new offer of 4.6250 % 480 month mortgage, and a partial claim of {$32000.00}. I missed 18 months of payments, and this bank wants to add 189 more payments??? And my payment would only go down {$32.00} per month!! 

My credit is great, my income is great, and I have about {$300000.00} of equity in my home. I do not want to refinance into their horrible terms. I want to defer the 18 months of payments ( that I didnt pay during furlough ) to the end of my mortgage. Flagstar wants me to add 189 months to my mortgage at a higher interest rate. Please tell me what my next steps should be.
Product: Debt collection

Some accounts in inquiries that don't belong on my credit report according to the fcra laws please remove anything that impacts my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was broken into last year and my identity was stolen, and there are fraudulent account ( s ) and inquiries reporting on my credit report. I have reached out to the companies directly and the credit bureaus to solve this issue but have received no help in doing so. I attached the police report information and a FTC report to hopefully expedite this matter. This fraudulent information being on my reports is causing harm to my reputation with credit unions and banks and it is unfair that ir has not been removed despite my efforts. 

XXXX XXXX - Fraudulent inquiry on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX inquiry on XX/XX/2022 XXXX XXXX - Fraudulent inquiry on XX/XX/2022 XXXX Bank Dealer Services - Fraudulent inquiry on XX/XX/2022 Elan Financial - Fraudulent account showing on my credit reports
Product: Student loan

I paid Mohela/XXXX XXXXXXXX XXXX toward my student loans on XX/XX/year>. I asked for it to be taken off forbearance so my XXXX payment would count toward my PSLF program which would jump me ahead of my payments. These payments were supposed to count and I was not supposed to be on forbearance anymore, as I requested it several times ( which should be in their notes ) to go off of it so my large sum payment would be counted toward forgiveness. I was then told that my payments would count then my loans due would be of XXXX amount monthly since I paid so far ahead. I recognize my private loan is separate but that is now paid off ( for XXXX ) so I am not worried about that. 
I am worried about the letter I just got from Mohela taking on several XXXX dollars for interest ( when from XXXX K to around XXXX ) and states that in XXXX I will have to start paying around {$160.00} dollars a month. Then next year up to {$800.00} a month. This should be all incorrect information. 
Despite my efforts in calling over the last year and speaking to someone several times, nothing has changed online on the fed website nor Mohela. I am also due for forgiveness within the next XXXX years. Some of my qualifying payments have not updated. 
I am also concerned my payments were too high when I was under XXXX. Please look into this as I am worried I am not going to get the benefits I am qualified for- especially when paying almost half my loans in advance. Thanks for looking into this for me. I continue to work is a licensed social worker in a non-profit. I look forward to additional debt relief. Kind regards, XXXX XXXX