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

I called Santander at the end of XX/XX/2022. I called to get extension for XXXX and XXXX the lady I spoke with stated that I was able to get the extension and I would pay XX/XX/2022. I logged on my account and seen I had a balance for XXXX so I called and was told that there was no extension and I wasnt approved per the notes that the representative I spoke with documented. I requested that the call be pulled and listened to. I spoke with a man he said he would the XXXX and for me to call back at XXXX so I called back and I spoke with a lady she had no idea what I was talking about and said she knows that the will not pull a call from XXXX. At this point Im even more upset because of all the miss communication and lies that Im being told. Finally she sent me to the exceutive offIce and I spoke with a guy name XXXX XXXX Id # XXXX he tried to get knowledge of what was going on and said he didnt show any records of anyone pulling the call and he would personally listen to the call and call me back. I had several panic attacks because at this point dont know who to trust my account has an outstanding balance and I cant afford to get me car reposed for someone lying to me and thats not far to me as a customer that they would allow that to go one. I had to wait all weekend stressing and worrying about this guy calling me back. I received a call from a guy named XXXX id # XXXX he also stated he was with the executive office and he listen to the call.. I asked why he was calling me and not the guy I originally spoke with because he told me he would personally call me back and didnt. Thats poor customer treatment and Im even more upset because now I have to explain this situation over and he said he listened to the call and yes I was mislead by the representative and they gave her a coaching. Im like is that it????? She lied to me and falsified documentation that reflected that she had a whole conversation with me that I had no idea about. Now Im stuck with this outstanding amount and all he can say is he understands and still tried to collect the balance I didnt have now Im in jeopardy of losing my cat and nothing has been done. I filed a complaint with the attorney general and now Cfpb and Im looking to sue because this is unfair and deceptive practices. I need help and I cant get anything done on my own. No one has ever reached out to me since that day and I need this resolved. I cant afford anything extra and its is causing me a great deal of stress and my XXXX  is out of control. Please help me. It had even damaged my credit badly all because someone lied to me. If I would have know I would have done my best to get a payment in at the time. I had Covid back to back. I cant get help from family the struggling just like I am. I
Product: Mortgage

After the passing of my mother I needed to sell her home. I put the home on the market after making updates and repairs and it sold on the first day of showing. We called to get a payoff and sent in the funds- only for the funds to be returned and the mortgage company asking for a additional XXXX XXXXXXXX. My attorney contacted them and they said we owed only an additional {$1600.00} and not XXXX  XXXX. We overnighted the payment in again and now they are asking for a additional XXXX XXXXXXXX. It is never ending with this company. They just keep adding and adding bogus fees.
Product: Credit reporting or other personal consumer reports

Transunion is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries and I demand that they be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate Information must be removed. These inquires has caused me to be denied credit and has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. This is a CLEAR VIOLATE of 15 U.S. Code 1681b - Permissible purposes of consumer reports. REMOVE NOW 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid memberships to XXXX XXXX experian.com and XXXX. When I look at the factors effecting my score there are two items on the negative side that are wrong but they refuse to fix them because they say they do n't know how to fix them. The first item is on both my experian & XXXX  reports. In the negative factors it always says " recent late payment '' " time since late payment 1 month ago. Is says this constantly all the time for the last 3 year. Experian & XXXX are my lowest scores. The second item is on experian under negative factors it says " I have made heavy use of my revolving credit '' my debt to credit ratio is 19 %. This exact same item is listed as a positive on XXXX and equifax. So how can that be. A third problem with experian is every time I pay down or off a balance my score will go up on XXXX & equifax but my score goes down XXXX to XXXX points on experian for the exact same positive item. Every time I speak with experian or XXXX XXXX they put the blame on one another and nothing ever gets resolved
Product: Credit reporting or other personal consumer reports

I checked my consumer report regarding XXXX XXXX XXXX of today of XX/XX/year> and noticed a credit reporting agency reported on my credit without my written instruction. I gave them refusal to pay and no written instruction to furnish my credit report using my information. This is the second time after it has already been removed. Nothing is supposed to be on my credit report as the The law states 1692 I have the right to refuse payment on things that shouldnt be on my consumer report but being as they assumed a vital role and congress has set certain laws in place I would like to send over a 1099 oid also the form 56 and 1099 oid ab also the 1040 and the 8281 as they are now banned from calling me or faxing me I am also sending them over a true bill under title 15 and they have now violated title 15 as if they are above congress and under title 15 you violate me any further I can sue you as I dont not owe third party debt collectors anything blacks law 4 edition title 1692 as what I thought was loans where actually deposits 15usc 1692 c ( c ) 1692 ( a ) and ( b ) 1692a ( 1-4 ) Please 1692f also states false representation.im also sending a tire bill immediately if this isnt resolved asap. Delete and remove immediately and follow the laws set in place by congress I have sent over a true bill and would like a resolution asap. I shouldnt have to wait to move forward in life do to your negligence. Remove account.
Product: Credit reporting or other personal consumer reports

I noticed that CAPITAL ONE AUTO FINANCE pulled my XXXX credit report on XX/XX/year>. I did not authorize this. It was a hard inquiry which negatively effected my credit score. I want proof that they had a lawful reason to pull my report. 

Attached : Driver 's License Current utility bill proving address W2 proven identity and address.
Product: Credit card or prepaid card

I attempted to submit a payment on XX/XX/2022 for my American Express credit card ending in XXXX. I received a message that the payment had been submitted and would be processed on XX/XX/2022. However, there was a problem with the system and my payment did not go through as scheduled. I was then charged a late fee of {$29.00} on XX/XX/2022. I requested to have this fee removed and a customer service confirmed that it would be, but the charge is still on my account. I would like to request that this {$29.00} fee be removed along with any interest charges as they payment should have gone through on XX/XX/XXXX, XXXX as was originally scheduled.
Product: Student loan

My wife and I were approached by a third party company that handled our student loans. The agreement they made was to debit {$39.00} from each of us each month to handle our student loan account. The agreement that was that until we could afford to make our student loan payment, the {$39.00} payment would be charged to us and the payment would also be added to the balance of our past due student loans. We recently learned that none of the payment is going toward our loans and that this service is not doing anything that is necessary to the principal balance of our loans. We would like our money refunded.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these XXXX  a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these XXXX, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX I have car loans and mortgages in my name by my husband XXXX XXXX XXXX date of birth XX/XX/1975
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALLED XXXX, XXXX AND EXPERIAN SO MANY TIMES I CANT COUNT. THEY HAVENT UPADTE MY ACCOUNT. AND ALSO THE XXXX  XXXX HASNT DONT THERE JOB TO UPDATE MY ACOUNT. THIS HAS CAUSE DAMAGE TO MY CREDIT SCORE.
Product: Credit reporting or other personal consumer reports

To ensure that your company is reporting accounts 100 % accurately, I would like to know the procedures used to investigate these inaccurate accounts. Did you even conduct an investigation because it is still not reporting 100 % correctly? 

Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 

XXXX XXXX, XXXX XXXX, DEPT OF EDUCATION/XXXX XXXXXXXX, DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the process of building my credit. I haven't applied for anything in over 20 years. I was XXXX for the 20 years. With the help of my daughter, we were trying to build my credit up. So, we pulled my credit file and there was an account by the name of XXXX XXXX account number XXXX opened XX/XX/2021. 

This account I never authorized to be opened, I never applied with XXXX XXXX Bank to open this card. I never signed for anything ; I never spoke to anyone in reference to anything. 

My daughter started doing research and found out that all credit reporting bureaus must be accurate with reporting on all 3 bureaus. In accordance with Fair Credit Act XXXX XXXX XXXX Bank XXXX has violated my rights. 15 U.S.C. 1681 section 602A states I have a right to privacy. 15 U.S.C. 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting or other personal consumer reports

TransUnion has allowed multiple different fraudulent companies to report whatever they want on my alleged consumer report with no proof or regard to my privacy or protection. They are obligated as a fiduciary responsibility to care and safe keeping of my trust information. Instead they have allowed persons to fleece my account and report inaccurate information with XXXX TransUnion has allowed another company to continue adding more false information on my account on a monthly basis. The more I attempt to correct this information, the more bias they become. They have breached my trust in their fiduciary capacity by providing my private information to be shared amongst other companies for malicious purposes. This is a felony. They have also refused to update my account to reflect the updated information Ive provided to them to update. To no avail, Ive constantly requested a fraud protection alert be place on my account to prevent further identity theft. They have been complicit in the allowance of my account to used for non permissible purposes, in violation of 15 U.S. Code 6801 - Protection of nonpublic personal information. They have allowed 3rd party collectors such as XXXX XXXX and associates to use my consumer for unlawful purposes. This has caused me injury and they have profited from my injury. They continue to violate 15 U.S. Code 1681b - Permissible purposes of consumer reports by allowing any and all who pay them to pillage my private property, breaching the public trust. They are liable for the damages.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that the recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Commonwealth Financial and XXXX XXXX are reporting debt on the same account. The account was paid XXXX 2014 to Commonwealth Financial. I have supporting documentation to support my claim. I have faxed this information to all credit bureaus including XXXX XXXX and each time I am told my information has not been received. I also mailed documentation to XXXX and XXXX via XXXX still with no result. I have done the responsible thing by paying my debt and yet it shows that I still owe on this debt.
Product: Debt collection

I received a phone call from a female who told me I owed money and needed to pay immediately. I said that didn't make sense, I wasn't aware of any money owed and always pay my bills. She said my address was something different but similar and I corrected her and she said she updated my information. The woman was very rude. I asked the woman to mail a bill or statement to my address so I could ensure the debt was valid, it was not for a service I had requested or was aware that I had received. I never received a notice/bill/etc. I noticed my credit score had dropped so I requested a credit report and this was on it. I do not think it is a good practice to request money over the phone without sending a bill or statement. It seems fraudulent and they may have me confused with someone else.
Product: Checking or savings account

BMO and Bank of the West merged recently. I was a Bank of the West customer. I went to make a transfer from my now BMO account my XXXX XXXX XXXX. I have verified the deposits from BMO to my XXXX account and put in for a transfer now that I was able to link the external account. My account was put on hold and I was not told why. I called and thought I had the problem fixed, I got an email confirmation that the transfer was under way. Shortly there after I got 4 emails. The first one said that my XXXX account was locked and I would not be able to use it from BMO. I already use it with a different bank so I could not use it any way. The second was that my transfer had been cancelled now. The third was that my verified XXXX external account had been suspended. The fourth was that my account had been suspended and I would not be able to transfer money. 

My complaint is that when I was with Bank of the West, I could transfer money, write checks, and spend my money. Now they have locked my account since the merger with BMO. BMO now states that I can not handle this matter over the phone and that they will need me to go in person to one of their branches. I live a XXXX  round trip away from a branch and XXXX mile so this is unacceptable. Before I tried to resolve this over the phone I would have been able to write a check or transfer money for rent, but now I can not. I am wishing that I can get my money back and be able to transfer the money for I can close my account with them.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I sent in multiple proofs that it was not me who used my card I was out of the country and also for XXXX card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX amount {$870.00} and I have proof showing I have sent an mailed out multiple letters to Trans Union and XXXX
Product: Student loan

I made a payment to Nelnet about 3 months ago. 
There are 8 total sub-loans on this account so from each payment, a portion of it is applied to each of the subloans. 
In their incompetence, they recorded 5 of the sub-loan payments correctly. But three they applied as a charge instead of a credit. 
And now they keep telling me my payment is past due. BUT IT IS NOT. 
They finally acknowledged the error about a month ago, after about 3 hours on the phone, with multiple people, including one that hung up on me once they saw the error was actually their own. 
Eventually they said they understood the error and they would fix it... but it would take 5 to 6 weeks! 
That is the height of incompetence. This is something that would take a few keystrokes, and it SHOULD be fixed immediately. But it's now been over a month and they STILL have not fixed it. 
I called again last week to make sure it's still proceeding. They claimed that it was, and it would be corrected by Friday ( XX/XX/XXXX ). It has still not been fixed ( as of XX/XX/XXXX ). 
Please help me bring Nelnet to account for this. They have the potential to damage my credit due to their own incompetence, and they seem to not take this very seriously.
Product: Debt collection

To Whom It  May  Concern, On  XXXX   XXXX ,  2017 , I received a collection notice from  Credit Protection Association, L.P., stating that I owe {$290.00} to a said   XXXX , Formerly   XXXX   XXXX   XXXX  .   XXXX  I contacted  XXXX   XXXX  and was informed that they do NOT have an open or past account under my name in the state of Florida.   XXXX  Thank you for your assistance,  XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and under the penalty of perjury I attest that all facts to be stated are true. Predatory credit reporting agency equifax refuses to follow my written instruction for the permissible purpose of the credit report and FILE that this company is furnishing on me which violates 15 USC 1681b ( 2 ) which states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I have submitted written instructions to equifax on a number of occasions over the last year and this company refuses to abide by federal law and remove the fraudulent and inaccurate personal information, accounts and inquiries which stemmed from identity theft. I have reported this identity theft and misuse of my information by all the major credit reporting agencies including XXXX, XXXX, and XXXX as well as all the issuers of the fraudulent reported accounts. Equifax has also failed on a number of occasions to share with me how they have been able to validate these alleged debts that they are reporting on my credit file. What personal interviews did they conduct? What system did they use to validate the debt? Did they submit a form or use electronic means? What was the name and contact information of the people they spoke with to validate the debt? This is fraud and totally violates the fair credit reporting act. The fraudulent inquiries that appear on my account are a clear display of how equifax is violating my consumer rights by selling and sharing my personal information and credit file with third parties that I did not initiate or authorize. Can equifax explain why these companies were able to access my credit file without my prior consent? This is a blatant act of identity theft which is punishable by law both civilly and criminally. Furthermore, the FCRA was created for the purpose of enforcing credit reporting agencies to report accurate and fair information and equifax is doing the complete opposite. I have attached a 3-credit bureau report which clearly shows that experian, equifax, and transunion are all reporting different, inaccurate, and fraudulent information on all 3 credit files pertaining to the same consumer, accounts, and inquiries. This is illegal! This is theft! This is punishable by law and will be pursued in a court of law if these unauthorized accounts are not immediately blocked and removed, if authorized accounts are not updated with accurate payment history, incorrect personal information should be deleted immediately, and inquiries are not removed upon the receipt of this complaint. Please see all attached documents to support my complaint. I have faxed this information to equifax but have yet to receive a response. Please find all proof attached below.
Product: Credit card or prepaid card

I need to review historical paper statements for my Bank ot America Prepaid EDD Debit Card for the past 5 years ( XXXX ) because I suspect there here has been fraudulent activity in my account in the period between the two UI claims I have filled EDD ( XXXX XXXX claim and my XXXX pandemic ui claim ). I contacted customer service twice to request the historical statements, and both times I was told by a supervisor that the statements have been mailed out and I should be receiving them shortly. I never received any of the historical paper statements I requested. Please note that past account and transaction activity is not available online either.