23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I, XXXX XXXX, am a consumer pursuant to 15 usc 1692a ( 3 ).

SANTANDER CONSUMER USA is a debt collector pursuant to 15 usc 1692a ( 3 ). SANTANDER CONSUMER USA keeps sending me monthly statements with multiple logos and symbols which is a direct violations of the FDCPA under 15 usc 1692b ( 5 ).

SANTANDER CONSUMER USA placed a lien on my vehicle without disclosing the name and address of the original creditor on any of the statements.

SANTANDER CONSUMER USA failed and refused to disclose the name and address of the original creditor which violates 15 usc 1692g and misleading and unfair under 15 usc 1692e ( 11 ).

SANTANDER CONSUMER USA made invalidated report to the consumer reporting agencies without my written consent which violates my privacy, under the FCRA which 15 usc 1681 ( a ) ( 4 ) and 15 usc 1681b ( a ) ( 2 ).

SANTANDER CONSUMER USA have used my credit card 15 usc 1602 ( i ) aka social security for its own benefits without having any authority for such use, which is an unauthorized use under 15 usc 1602 ( p ).

SANTANDER CONSUMER USA willfully violates 15 usc 1601, 15 usc 1611 for willfully not disclosing material fact regarding the alleged debt. Causing me harm and mental anguish.

SANTANDER CONSUMER USA is harming my reputation, by reporting invalidated debt to the consumer reporting agencies which violates 15 usc 1692d ( 1 ).

False or Misleading Representation by SANTANDER CONSUMER USA pursuant to 15 USC 1692e ( 11 ) failed to disclose that they are attempting to collect a debt and that any information obtained will be used for that purpose.

SANTANDER CONSUMER USA failed to provide the Notice of debt with the name of the creditor pursuant to 15 usc 1692g ( a ).
Product: Credit card or prepaid card

On XX/XX/2019 received a letter, at my residence, from Wells Fargo saying that my Identity cant be verified & to call. I called and was instructed to visit a Wells Fargo branch with identifying information before XX/XX/2019. 
I went to a Wells Fargo branch and presented my drivers license, electric bill, water bill, social security card, and a couple other credit cards. The advisor called corporate to confirm the necessary information. 
On XX/XX/2019, I received another letter, at my residence, stating Identity cant be verified. 
I again went to the same branch and the same advisor made additional copies of my identifying information. She also called Wells Fargo corporate, to verify that all the information was received. 
On XX/XX/2019, I again received a letter, at my residence that my Identity cant be verified. 
For a third time, with the same branch advisor, I went to Well Fargo and asked what was going on? The advisor called again and asked that I provide the verifying information including drivers license again. 
Instead I said that I did not understand how this situation had escalated or could not be cured given all of the documentation and physical visits to the branch. 
I said that I was concerned my identity was being compromised and because the original credit card offer came via an offer to apply via XXXX, a credit bureau, and that Wells Fargo was in possession of my full credit report, in addition to having me physically appear in the same branch office three times, to please withdraw the application and destroy the file. The advisor said she did not think this could be done and instead advised me to be patient. 
All of this activity happened before the Wells Fargo determined cut-off date of XX/XX/2019. 
I then called XXXX  to ask what the issues were and the XXXX account executive suggested filing a complaint because of the unusual nature of the situation and to protect my identity from fraud or other misuse. 
Please advise.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have attached a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : 182060632 ) to support my fraud claim.

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and remove any information identified by the consumer as resulting from identity theft or fraud within four business days. 
The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of one year, after which I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 
I have contacted TransUnion several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency. 
Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60-day period. 
I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding this matter.
Product: Debt collection

I have been a victim of identity theft. I opened an experian account and realized there were many accounts that were not mine. I have sent all the supporting documents and I need this account removed from my bureau.
Product: Credit reporting or other personal consumer reports

After looking at my credit report, Im seeing multiple inaccurate inquires place on my credit report with companies that i dont have any account with. Upon contacting these companies credit departments asking, do i have an account with, their responses is no we dont have any account for you with this company. Upon hearing that i requested of them to delete the negative inquires which the say that theyll do an investigation and remove the negative items. It has been well over 30 day and none of items as been remove. The companies are XXXX XXXX XXXX XXXX XXXX Westlake services XXXX XXXX XXXX XXXX  Under Fair Credit Reporting Practicing Act 15 U.S.C SS 1681 i Disputing inaccurate Information on credit report
Product: Debt collection

Debt collection agents from Portfolio Recovery Associates, LLC are calling multiple times a day, using different numbers from around the country in an attempt to collect a debt from me.

When speaking to one agent, they refused to identify themselves as debt collectors and after several attempts to get them to reveal the nature of the call, the agent only stated the company they worked for and asked if I was or knew the person they were attempting to call.

Their harassing calls have come from countless different phone numbers from around the U.S. and none of which are listed as official business numbers on their website or in the correspondence they have sent me. 

Examples of such are : XX/XX/2018 call from ( XXXX ) XXXX XX/XX/2018 call from ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, CORRECT IMMEDIATELY. 
XXXX XXXX XXXX XXXX Balance : {$13000.00}
Product: Debt collection

Professional Account Services , Inc has repeatedly contacted me via phone. I do not have the exact dates and times on hand. I can spend the time to get them if needed. I have asked them several times to send a verification of debt to address on file and not to contact me until this has been done. They have not sent the verification and continue to call over and over. During the last call I have answered on my cell phone, the representative failed to verify my identity, nor did she state that this was an attempt to collect a debt before blasting right into disclosing the debt, who it as with and who it was for. As of today, this same agent called my work phone number and asked the front desk to be transferred to my extension. She once again failed to verify my identity and failed to disclose that this was an attempt to collect a debt. I asked her to send me to a manager. When I asked her name, she refused to give it to me. A person named XXXX XXXX answered the transferred call. I explained this situation to him and told him it has been incredibly frustrating to deal with the harassing phone calls, refusal to verify the debt, and poor debt collection quality.
Product: Credit reporting, credit repair services, or other personal consumer reports

The car in question on this account was returned in XX/XX/2020. It was returned to XXXX XXXX XXXX in XXXX XXXX, Oregon. The car was marked as grounded in the system and I was sent on my way. I filled out all the correct paperwork and paid all fines due at turn in. In XXXX of 2020, my credit card notified me that my credit had dropped by around 100 points. Unsure of what was going on, I investigated. Turns out XXXX XXXX XXXX sent my mother and I to collections for not returning the car. I received no phone call, letters in the mail, update to my XXXX online account, or emails surrounding the issue. We were just sent to collections. I have called XXXX repeatedly to get this taken care of. Multiple times a month, escalated to multiple heads of department and NOTHING has changed. I have been told over and over again that there is nothing they can do to get my account taken care of, because the department that handles this issue is " behind ''. The department that is behind also doesn't take calls from customers. They are an internal facing only department. I returned this car over a year ago and am still suffering repercussions from this. My mothers credit has prevented her from buying a new car, or financing anything in the past year. This is completely unacceptable and I really hope the Federal Attorney General will file suit against XXXX for all the people they have screwed over, in the middle of a pandemic.
Product: Student loan

I submitted an application for an Income-driven plan for my student loan back in XX/XX/XXXX to MOHELA from the studentaid.gov website. According to the website, it would take an average of 30 days before I would hear back. It is now XX/XX/XXXX and they are still " reviewing '' my application. I have sent MOHELA an email XX/XX/XXXX requesting clarity on the timeline of my application. They put a request for processing forbearance which may take up to 10 business days. However, this does not address the main issue, which is that MOHELA has not processed my application in a timely manner or at least given me more information on how long it would take. At this rate, they could put me on forebearance forever and force me to continue accumulating interest when I could be making fair payments. I had to pay close to {$1000.00} for my XX/XX/XXXX payment, which is close to 25 % of my monthly pay. Considering how I have to pay for rent, food and gas, etc, if I am unable to be put on an income-driven plan soon I may have to get loans to pay off my student loans, which is not sustainable and is inhumane.
Product: Vehicle loan or lease

My car loan payment was due yesterday. I was laid of from my job 2 weeks ago because of corona virus .I started a new job last week but don't get first check until XX/XX/XXXX .I asked if I could postpone payment .Advised that I had to pay late payment fee by Tuesday XXXX XXXX which would be XXXX Told them I couldn't and when I asked if they would work with me because of situation was berated and asked well do you want your car for free. Extremely rude.Askedto to speak with Supervisor her name was XXXX who reiterated that I had to pay late fee of XXXX but she would extend it until I get paid. My payment is approx XXXX So their late fee is almost 30 % of my payment Many of the other car companies are working with their customer waiving car late fees etc but challenge financial are not doing so at all. I have bad credit and struggled to get a car loan and feel that they are milking the current situation for their financial gain Shame on them
Product: Credit card

On XXXX XXXX XXXX XXXX  I received a charge on an Apple Credit Card ( Goldman Sachs ) for {$340.00} from a local church in XXXXXXXX XXXX where I reside. I have no affiliation with this church and do not identify as one of their followers ( XXXX  ). On this date I was also in XXXX on vacation with my wife. I contacted Goldman Sachs and they said I needed to provide evidence. I contacted the church and the pastor told me they do not accept XXXX credit card payments and they never received any donation from me. I took the email from the pastor and provided it to GS. I also provided my travel itinerary from my trip and a copy of my weekly donation to my local XXXX XXXX  I also reached out to XXXX but they were unable to assist me. Also another thing to note is the credit card is just a number, there is no physical card and was opened to finance a new XXXX purchase. Ive disputed this charge 4 times with no success and no clear explanation as to why it will not be overturned.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from Transunion. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ) Because the reporting of the following account is not accurate : In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) - Account Number : 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 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 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 ) ( a ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Aloha,CFPB,Iamcomplainingaboutthe2loanservicers,thefirstOcwenLoanServicing,LLCwhotransferredmyloantothesecondservices,PHHMortgageinXX/XX/XXXX.InadditiontothelawfirmXXXXXXXX,XXXX,whodidnotdotheirduediligencebeforefilingtheforeclosureaction.

InXX/XX/XXXX,IwasapplyingfortheHAMPloanmodificationaftercompletingpaymentsontheHomeAffordableUnemploymentProgramForbearancePlan.Foroverayear,Iwastoldtheyweremissingdocuments,thatIhadalreadysent;deniedaloanmodification,evenafteraHUDcounselorwhoreviewedmyfinancialsstated,Idoqualify.Then,Iappealedthedenial;theyresearchedandaskedmetoreapply3moretimesandstillnoloanmodificationwasoffered,(NotuntilXX/XX/XXXX,whileinforeclosure).Thesecompaniesarenotonthesamepage.Theyviolatedfederaldualtrackinglaw.
OnXX/XX/XXXX,whilestillintheprocessofreapplyingforaloanmodification,XXXXXXXX,XXXXPlaintiffscounselfiledaComplaintforforeclosureonbehalfofXXXXXXXXXXXXXXXXXXXX,asTrusteeFortheRegisteredHoldersofXXXXXXXXXXXXXXXXXXXXXXXX
AfewdaysbeforeIwasservedtheComplaint,theXXXXXXXXSettlementfrozeallforeclosuresbecauseOcwendidnotcomplywiththeirstandards,howeverPlaintiffcounselwentforwardwithfilingtheforeclosure.

Irecently,appliedforaloanmodificationwithnewservices,PHHMortgages,whileinasettlementnegotiationwithPlaintiffscounsel.PHHMortgagesdeniedmyapplicationinXX/XX/XXXX.IappealedinXX/XX/XXXXandrecentlywassentaletterstatingthattheycannotoffermealoanmodification.
IamscheduledtodefendmyselfandpreventthePlaintifffromtakingmyhomeintheMotionforSummaryJudgementHearingonXX/XX/XXXX.
IaskthattheCFPBlookintothesecompanieswhoatinvolvedindeceptivebehaviorandmisconductandfrivolousfilingsanddramaticallyaffectingmanyhomeownersacrossthecountry.
Mahalo,XXXXXXXX
Product: Debt collection

A company by the name of XXXX XXXX XXXX was recently added onto my XXXX credit report, by their collection agency Genesis Credit Management, as a new collection account three years after they were included in my Chapter XXXX  Bankruptcy back in 2016. This same company started harassing me a few months after the filing of my bankruptcy, which I let my attorney know. He insisted that he'd contact them to stop harassment, so I know for a fact that this company is aware they were added into my bankruptcy, which also shows in my bankruptcy schedules. This has also dropped my credit score, so I'm now having to prove to XXXX these same facts. What they've done is illegal, and upon doing research on this company, I learned that they have a history of this devious behavior, and would like to file a complaint. I also plan on seeking legal counsel to sue for damages.
Product: Student loan

Lost job loan went into default as I was securing stable employment. I requested loan consolidation during that process was immediately garnished by providing updated contact information. Consolidation was completed on XXXX/XXXX/2016 closing account with XXXX XXXX XXXX. However my employer did not receive release for garnishment until XXXX/XXXX/2016 therefore additional {$430.00} was garnished and sent to XXXX XXXX XXXX which subtracted an {$84.00} amount after account their account was closed Then sent {$340.00} to XXXX which I was told during various communications that payment would take care of XXXX payments. In this on going fiasco, and attempting due diligence to ensure my loan servicing agency receives this payment. Today was informed I 'm still responsible for my new monthly payment following their receipt of the of the {$340.00}. I am perplexed with the operation for these agencies, lack of consistent accountability of funds paid to date and miscommunications, misinformation of the agencies policy, release of information of personal accounting. If this were a financial institution providing a customer oriented service I would not do business with these entities. My request is accountable and consistent information across all agencies involved as it appears these agencies are profiteering off this federally program.
Product: Mortgage

I have started COVID-19 Forbearance Payment Deferral program with Wells Fargo since XX/XX/XXXX. At the end of my last 3 months forbearance period ( End in XX/XX/XXXX ), I called early on XX/XX/XXXX because Wells Fargo have sent communications to discuss next steps and options. I called in early to discuss options with a representative and was told that at the end of 3 months, I will resume my original mortgage payments and all payments will be deferred as part of CARES Act. In error, the agent canceled my forbearance early stating that I am ready to resume making payments. I called Wells Fargo multiple times in XXXX and XXXX to get that fixed and luckily they were able to put be back on for the remaining 2 months which ends in XX/XX/XXXX. As of XX/XX/XXXX, my mortgage is backed by XXXX XXXX and it states that I am eligible to extend up to 18 months if I was on it as of XX/XX/XXXX which I am since XX/XX/XXXX of last year. As I am still affected by Covid, Wells Fargo did not reply timely and I have called and spoke to the forbearance department since beginning of XXXX. They have escalated the issue and no reply back on resolution. They only tell me I am ineligible and did not state any reasons. The calls are recorded and please review since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX violations : not mine : see attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX XXXX family XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX, XXXX Address ID # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX TX, XXXX Address ID XXXX XXXX XXXX XXXX wrong names : XXXX XXXX XXXX XXXX ID # XXXX XXXX XXXX
Product: Vehicle loan or lease

We purchased our vehicle XX/XX/XXXX. We called to find out who our finance company was multiple times but the dealership stated the company would send us a payment coupon book and to wait until they did. When we finally got notified of who to pay which was world omni finance they told us we owed two months in payments when we had only owned the vehicle for 1 month. We made our payments work to not be 30 days late but always had to pay at the last minute and carry a balance due to this accounting error. In XX/XX/XXXX we were affected by hurricane Irma. We asked for assistance during our time of need as we could not return to our home and did not have power pr basic necessities. They refused stating they would not provide assistance because our account was less than 6 months old even though a major catastrophe had just occurred. We tried our best to keep up payments which put us almost 3 months behind in XX/XX/XXXX. In XX/XX/XXXX we sacrificed XXXX  for our family to get caught up on payments for the vehicle. They have not been good to deal with or understanding. Being late with no assistance caused a major hit to our credit which put us back financially again.