23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Uncertain of dates at this point - Several times I have reviewed my credit report and seen medical bills or random bills on credit report that I disputed to XXXX. Stating items were not associated or that I had not authorized third party lenders to take any actions on any bills of mine. If you review my account you will see I have a highly successful payment history.

I disputed discrepancies and days later received a notification back that disputed was unfounded. Outstanding matters still remain on my account. In some instances I have provided XXXX ( and other credit Bureau companies ) with private information such as Divorce decree proving that my ex husband used my information after we were legally separated to obtain furniture with XXXX, XXXX XXXX XXXX, and so forth. However, I was deliberately ignored. Medical companies sold information to third party vendors without advising me. 
Letters were sent to all three of the major credit reporting agencies and XXXX did address some issues. 
Thank you.
Product: Credit card or prepaid card

There was fraudulent activity on my credit card of more than $ 4K, which was reversed. However, the associated fees and interest were not reversed. I have tried on multiple occasions to call and each time told there is a several hour hold time to speak to a specialist. My call was also disconnected twice. They also refused to allow me to speak to a manager.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to get Transunion to investigate several inaccuracies that have not be verified with proof on my consumer report. After the last disputes I made Transunion finally deleted only 3 accounts from my consumer report. I will like further investigation to be done for all disputed items and I will also like remedy in the amount of $ XXXX deleted from report on XXXX due to emotional, mental, and financial hardships this inaccurate reporting has caused me.
Product: Vehicle loan or lease

I purchased a vehicle and the dealership secured the loan through Santander Consumer. At the time of purchase, the dealership showed me the contract and the terms and conditions. The contract did not convey full transparency, for me as a consumer to make an educated decision, and fully understand what was to be expected throughout the term of the loan. I was told by the dealership that after XXXX  months of payments that I could refinance the vehicle. However, when I had the vehicle appraised, it was discovered that the car was appraised less than half of what the final price of the vehicle. I received appraisals for XXXX, XXXX and XXXX for the vehicle that practically knew. I also discovered that after all the payments Ive made, majority of the payment went towards interest and not the principal balance. XX/XX/year> my principal balance was {$35000.00} as of today my payoff is {$34000.00}. The contract stated that it was a simple interest loan. But that terminology doesnt explain to consumers the financial implications of that type of loan for an automobile purchase. Based on the loan amount, in less XXXX months Ive paid {$6300.00} in total payments and {$5000.00} went towards interest. Due to the predatory nature of the loan, I am upside down and unable to refinance due to the negative equity. Nowhere in the contract does it explain that to the consumer. When I contacted Santander Consumer, none of the representatives were supportive and helped me with a resolution to this issue. They offered no reconciliation or solution. As a result, I did research and found that Santander consumer has had multiple lawsuits and penalties across the country where they were found to have put consumers in loans that had a 70 % or more chance of defaulting. I believe that I am in one of these types of loans.
Product: Mortgage

Hi, My loan officer submitted our loan to Magestic home loans around XXXX of 2015. Magestic home loans have made number of mistakes on every level of the loan and kept charging us for their mistakes. Their mistakes were as follows. 
1. Our appraisal value came higher than initially expected. Our LTV came down from XXXX % to XXXX %. The underwriter forgot to adjust our LTV. at XXXX % we were getting 4.750 so we floated for almost 1.5 months for rates to come down, finally we decided to lock at 4.750 % the file went to the doc department, Doc department realized that LTV is lower than it should be, which underwriter forgot to adjust. Now our LTV was changed to XXXX % and our rate came down to 4.5 %. Had the underwriter adjusted our LTV we did not have to wait 1.5 months floating. 
2. Our HOA master policy was provided to the underwriter she signed it off along with all other pre doc conditions. Since all conditions were signed off our loan officer locked for 15 days to sign docs and fund. ON THE DAY of the Funding underwriter realizes that she forgot that the master policy did not cover XXXX in walls. Our lock expired, our file went for redraw. we were charged for relock, and redraw fees. 
3. our file was impound, and on the original docs lender requested 3 months reserves. on the redraw docs, for some reason 2 more months of reserves were added. Which means they had miscalculated the reserves on the initial docs as well. Now since reserves came high we decided to not impound the file anymore. we signed redraw docs and were told the file will fund on Monday, the last day of our lock extension. 
4. On Monday on the day of funding and our last day of our lock extension we received news that they can not fun and they will redraw again because the doc drawer forgot to add the price adjustment for taking the file off of impound. Now they have to redraw again, re lock again. 
They are keep making mistakes, and keep charging us for their mistakes. The lender is not bearing any cost of all these mistakes and they are keep passing all the costs to us. We are beyond frustrated. The management or lender is not responding to our email, or to our loan officer 's emails. We get no apology 's no explanation of why we have to pay for their mistakes instead of the lender themselves. We have paid for the appraisal and other if cancel we will bear costs, if we do n't cancel we will pay for host of their mistakes. Please advice.
Product: Checking or savings account

On XX/XX/XXXX there were three fraud charges made on my business debit card. I reached out to my Wells Fargo and they denied my claim immediately. I dont think they spent time reviewing my claim because I wasnt there and had not used the debit card. The amounts were XXXX, XXXX, XXXX for a total of XXXX. I was also charged overdraft fees {$35.00} ( two overdraft fees total ). I live about 35-40 miles from the area and have never been to these places before. I have attached the information that I will be sending to Wells Fargo to this claim. I had been in XXXX Michigan, where I live, for days leading up to and after the fraud charges. I have receipts and transactions showing I was in my area leading up to and on the days of the transactions. I have a copy of my registration to the vehicle that I drive. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not sure if I am contacting the correct place. 

Several years ago we had to file for bankruptcy. Almost 7 years ago and it still plagues me with my credit as a result. Why was my bankruptcy special? Because of medical issues - XXXX XXXX and XXXX. Then another XXXX XXXX followed by a XXXX XXXX. Since our bill could never been paid in my life we filed bankruptcy. There was NOT ONE of the bills was due to our money management and no creditors other than medical was reported. All our bills were current so nothing to write off except medical. The records will bear this out. Just applied to XXXX for a credit card and my bankruptcy was a declining factor. 

Then there is XXXX or a collection agency - like XXXX? For over a year I had paid them monthly and then I received a collection notice. Why? My records showed up as paid in full. After months of complaining that their records were incorrect and to stop having the collection agency disturb us. It was not resolved until my wife took my records and confronted them wanting to know where these payments went? The end of the story is that their bookeeping had been applying my payments to someone else account. Now I was upset because we wanted to buy a home and their reporting prevented it. XXXX XXXX sent me a letter of apology and told the collection company to quit reporting, that it was a mistake. For some unknown reason they have been reporting this for years incorrectly. 

Both of these are not reflecting properly and the reporting credit agency needs to fix XXXX mistake. Seems I heard that when a debt is turned over to a collection agency wrongfully they are required to fix it. 

Why am I complaining about this now? My credit should not have any issues when this is fixed and at XXXX years old I want to see my credit score adjusted properly before I am gone. 

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

XXXX, TRANSUNION AND XXXX  HAS INQUIRES ON MY CREDIT REPORT THAT ARE NOT MINE. 
Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX-NOT MINE, PLEASE DELETE XXXX XXXX Inquiry from XX/XX/XXXX, XXXX-NOT MINE, PLEASE DELETE XX/XX/XXXXXXXX XX/XX/XXXXXXXX Inquiry from XX/XX/XXXX, XXXX-NOT MINE, PLEASE DELETE XXXX - XXXX Inquiry from XX/XX/XXXX-NOT MINE, PLEASE DELETE XXXX XXXX Inquiry from XXXX XXXX, XXXX-NOT MINE, PLEASE DELETE XXXX XXXX Inquiry from XX/XX/XXXX, XXXX-NOT MINE, PLEASE DELETE XXXX Inquiry from XX/XX/XXXX-NOT MINE, PLEASE DELETE XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX-NOT MINE, PLEASE DELETE XXXX XX/XX/XXXXXXXX XXXX Inquiry from XX/XX/XXXX, XXXX-NOT MINE, PLEASE DELETE XXXX XXXX Inquiry from XX/XX/XXXX, XXXX-NOT MINE, PLEASE DELETE XXXX  - Auto Finance Inquiry from XX/XX/XXXX-NOT MINE, PLEASE DELETE XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX-NOT MINE, PLEASE DELETE XXXX   XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX-NOT MINE, PLEASE DELETE XXXX XXXX, New Inquiry from XX/XX/XXXX, XXXX-NOT MINE, PLEASE DELETE
Product: Debt collection

I never received any notice or notification by mail stating I owed a debt nor did I have the opportunity to dispute the debt that I do not owe. I was never contacted by this creditor either yet they put this claim on my credit report.
Product: Checking or savings account

See attached letter for additional details, but the summary is my son ( XXXX XXXX ) tried to withdraw {$300.00} from the self-service checkout at XXXX XXXX XXXX XXXX in XXXX Colorado , but the transaction was blocked. 

Around XXXX minutes later he received a text from USAA asking if it was a fraudulent transaction and he indicated no because it wasnt fraud because he initiated it. We believe since he answered no USAA let the transfer go through, but my son was obviously not there to get the cash. 

To summarize, USAA fraud algorithm kicked in when he was withdrawing cash and his account was debited the money but he did not receive the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove the fraud alert on my accounts experian XXXX  and XXXX
Product: Debt collection

I seen this company on my credit report Portfolio Recov Assoc and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information got stolen in XXXX im just now noticing I have a Identify theft report on file of things i did not authorize nor have knowledge of. i have XXXX XXXXo credit card for XXXX XXXX  for XXXX i have XXXX XXXX for XXXX I have hard inquires 8 of them 8 items in collection on my credit report what i have attach to my identity theft report.
Product: Mortgage

I am XXXX  XXXX  and the pandemic has affected my income. In early XXXX, I reached out to my mortgage company, Rushmore Loan management, and they agreed to give me a loan forbearance. The agents I spoke with told me they had many options during this trying time for lenders to work things out with them. When the forbearance period was up, I resumed making payments. I was not able to get the mortgage completely caught up. One of the options explained to me by their agent was a payment installment plan, whereby I would pay a little more each month to get caught up. I was instructed to complete hardship paperwork for their loss mitigation department. I completed the paperwork, and sent in all the documents they had asked for. This was in XXXX of XXXX. This paperwork, and getting all the documents together, took many hours to complete. For months afterward, I would call several times a month to get an update on a plan from the loss mitigation team. All I ever heard from them was we received everything, someone will call you next week. I never heard anything from them until last week, when I received a letter from an attorney who represents them, who is filing a motion to start a foreclosure. I called Rushmore, and was told that in XX/XX/XXXX, they had sent a letter to me asking for new or additional documents. They straight out admitted to me they sent it to the wrong address, and received a mail return from the post office. Because they did not get the documents, they cancelled or denied my request for assistance. I asked the agent why they didnt call me or email me when they found out they had the wrong address? Isnt that the whole purpose of mail return? It was an address I had not provided them with, and not even close to my correct mailing address, or the address of my lawyer. The agent said they would resend the loss mitigation paperwork, however, it now appears they trying to move forward with foreclosing on my property because of their own mistake. It is extremely frustrating, as I had done everything they had asked for. Im not sure how a large company like Rushmore could just accidently put the wrong address on my file, and it seems like a sneaky move to start a foreclosure process.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Equifax. These late payments are erroneous and do not accurately reflect my payment history for XXXX XXXX  Account # XXXX. 
Complaint Details Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. This account should reflect a record of timely payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of an incorrect late payment may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that these reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports to ensure maximum accuracy. Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), willful and negligent noncompliance could result in civil liability, including actual damages, attorneys fees, and potential punitive damages. 
Discrepancies in Payment History The discrepancies in reporting by each bureau are as follows : XXXX : Incorrectly reports XXXX XXXX late payments in XXXX, XXXX and XX/XX/XXXX. 
XXXX : Similarly reports XXXX XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Equifax : Also reflects XXXX XXXX late payments in XX/XX/XXXX, XXXX and XX/XX/XXXX. 
These entries are inaccurate, as all payments were made on time, and this misrepresentation has negatively affected my creditworthiness. 
Requested Resolution I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Attachments Identification ( ID ) Social Security Number Relevant Documentation Related to the Account Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on XX/XX/18 and XX/XX/18. They both stated that the information reported to them was accurate but I submitted checks that were written and cashed by the company during that time that were not updated on the report. I also sent confirmation of the original creditor never sending me to collections. They also had the wrong payment dates and amounts. Nothing has been done.
Product: Student loan

Fedloan Services provided a letter indicating a requirement for recertification for the Pay-As-You-Earn-plan. Upon failure to certify by XX/XX/2017, the letter states payments will increase to {$410.00} on XX/XX/2017. However, this payment is lower than my current payment which appears to an error. Under all the material that I have read regarding federal loans, in the event of non-recertification, payments will revert to the standard plan. I find this letter extremely confusing and dangerous. If I were to rely upon this letter, I risk facing an additional {$1400.00} in monthly expenses. The standard payment 10-year for my loans is over {$1800.00}.
Product: Payday loan, title loan, personal loan, or advance loan

On different days and years of : XXXX, XXXX, XXXX, and XXXX of XXXX, and on XXXX, XXXX, XXXX, XXXX and XXXX of XXXX, I had applied for a personal loan, a line of credit, a credit card increase, a refinance of my personal loan, and a commercial vehicle loan with XXXX XXXX, and I got DENIED for credit every time. 

My credit scores were up high enough to qualify for all of their loan products, but XXXX XXXX kept right on denying my loans. I had requested a loan for {$XXXX} and got denied for that. I had requested a {$XXXX} loan and I got denied. I had requested {$XXXX} and got denied. I had requested a {$XXXX} loan and got denied for that. I even requested a counter- offer for the loan amounts, and I still got denied. I applied for a refinance of my current personal loan, and I got denied for that. 

All along I have been paying all of my bills on time with XXXX XXXX, and everybody to remain in good standing on ALL of my credit reports. I just feel discriminated against, lied to, scammed, frustrated, and harassed by XXXX XXXX. 

I had applied for several commercial vehicle loans with XXXX XXXX and with several Commercial Dealerships just to constantly get turned down and lose the vehicle sale. I was harassed on the telephone and on my email account by the loan officer for me to make hasty decisions on the loan terms, the insurance policy, the down payment for the commercial vehicle, or paying the difference in price for the vehicle, and on the delivery of the commercial vehicle. 

The loan officer made me feel as if I wasn't worthy of purchasing the commercial vehicle for my small business or didn't deserve it. He tried to make me pay a higher price for the vehicle loan with a REQUIRED shorter term. 

I was made to wait for days and weeks for an approval on my loan OR no approval for a loan. I was also made to wait for my commercial vehicle loan officer to come back in from a long family vacation just to finish processing my paperwork for an approval that didn't last very long, and after he XXXX me the check to give to the dealership in a hasty rude manner. I never purchased that commercial vehicle either or got to see it in person. It turned out as No Deal. 

With everything that the loan officers have put me through at XXXX XXXX just to obtain financing, a credit approval, and a much-needed XXXX XXXX, I got nothing in the end but the constant run-a-round, turn down, and an emotional distress body ache. I actually had got sick from all of XXXX XXXX turmoil since last year of XXXX up to now. 

It's so hard and heartbreaking for me to even think back over all of this stuff just to explain to CFPB in this format. Please help me in every way possible CFPB. I still need financing, a loan up to the maximum amounts, and a commercial cargo van that I never got since the first day I applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8200.00}, {$7600.00}, {$16000.00}, {$12000.00}, {$0.00}, {$42000.00}, {$13000.00}, {$7200.00}, {$0.00}, {$12000.00}, {$2300.00}, {$5100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 

7. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account. 


-- AUTO ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

12. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account.
Product: Checking or savings account

CD renewed without any letter sent except renewal until it was too late except for fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account MEDICAL DATA SYSTEMS INC which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that MEDICAL DATA SYSTEMS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.