23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was trying to sell my home to the current renter. He went to Union Bank in XXXX XXXX and submitted a loan application. The loan officers name was XXXX. I am writing this for him as I strongly feel the Bank practiced poor business ethics regarding his need to borrow money in order to purchase a home. I strongly feel this whole case needs to be investigated. I at some point tried to help by contacting supervisors and then a director in XXXX, XXXX, over the loan department. His response was very poor at that.. and at one point a supervisor, XXXX called me to tell me the loan had been approved and 2 weeks or more went by with only promises to my renter they would have docs soon and call him back. Well they never did. He was forced to move out because of their poor business practice. Kept telling him for at least a month the loan docs were coming. They told him everything was approved.. told me too ... They did try to charge him {$500.00} for filling out a loan application. Charged him for loan appraisals too. 

PLease investigate this whole file.. Union Bank Has disgracefully performed!! 
This man had a shot at buying a home for his family and Union Bank Shattered that dream.. did not act in good faith.. drug out the process causing him to loose his opportunity. I feel they lied about what they were doing on more than one occasion thus becoming a very unreputable lending Bank. Practicing poor business ethics at best.
Product: Checking or savings account

On XX/XX/23 XXXX Bank of America associate deceived my elderly mother into withdrawing {$10000.00} of her savings account to open up a long-term CD, promising a {$4000.00} return on investment
Product: Vehicle loan or lease

this is the never ending saga with santander consumer usa ' i now want a full copy of the recorded hone calls they say they have from previous complaints the laws says that if im recorded i have a right to have copies i am formally requesting them i am going thru the cfpb because dealing with santander has been nothing but and outright nightmare thats why they settled a car loan class action lawsuit
Product: Payday loan, title loan, or personal loan

National started calling me at work, although I was promptly communicating with the company about unexpected financial problems. I told the company NOT to call me at work. The company apologized and stated it would not happen again. Today, it called me again at my place of employment. This is NOT acceptable. 
The first instance occurred on XXXX XX/XX/2022. 
The second instance occurred today, XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act XXXX the following accounts have violated my rights. 

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 or other personal consumer reports

I am writing to formally and urgently request the immediate removal of all accounts associated with my bankruptcy proceedings. Account name : XXXX XXXX XXXX Account Date : XX/XX/XXXX Account name : XXXX, XXXX. Account Date : XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account Date : XX/XX/XXXX Account name : XXXX Account XXXX : XX/XX/XXXX As per the stringent regulations and procedures governing bankruptcy, it is absolutely imperative that all accounts implicated in my bankruptcy undergo immediate and comprehensive expungement from all pertinent databases and records. Failure to rectify and update these closed accounts under my bankruptcy status is not only a breach of legal protocol but also warrants serious legal repercussions, for which I shall not hesitate to pursue necessary legal action. This directive is not merely a procedural formality ; rather, it represents a critical juncture in facilitating my financial recovery and ensuring a fair and just resolution to my financial obligations. The expeditious removal of these accounts is not only in accordance with the legal framework governing bankruptcy proceedings but also serves as a fundamental step towards restoring my financial stability and confidence. By swiftly eradicating any remnants of these accounts, we demonstrate our commitment to upholding the integrity of the bankruptcy process and honoring the principles of equity and fairness. Moreover, the prompt deletion of these accounts serves to preempt any potential complications or discrepancies that may arise in the future. It significantly streamlines the process of assessing my current financial standing and alleviates any unnecessary burdens or impediments hindering my efforts to regain financial independence. In light of the gravity of this matter, I implore all relevant parties to act swiftly and decisively in executing the requisite steps to remove all accounts associated with my bankruptcy proceedings. Your cooperation in this regard is not only mandated by law but is also indispensable in facilitating my journey towards financial rehabilitation and empowerment. I kindly request acknowledgment of receipt of this letter and request regular updates on the progress of the account removal process. Thank you for your immediate attention to this urgent matter.
Product: Mortgage

My home mortgage was transferred from XXXX XXXX ( XXXX ) to ShellpoinXXXX on XX/XX/XXXX. In XX/XX/XXXX I received a delinquent notice from my local property tax office. I called them and no payment had been made by Shellpoint ( my mortgage package includes escrow and payment of insurance and property taxes ). Shellpoint claimed to have sent the payment but had paid {$1900.00} instead of my usual approx. {$1300.00} per quarter in property tax. I finally realize the problem might be confusion about my lot number. The local tax assessor confirmed that I was right. my lot number is XXXX and shellpoint had paid the taxes for property on lot XXXX. And the amount they paid ( {$1900.00} ) was the amount due for that other property too. Then I looked on line and found a statement of my account details that listed my property lot number as XXXX, which is NOT CORRECT. Because the payment had been made in my name, the local tax assessor was willing to transfer the money from my neighbor 's account to my account and hold a credit for me in the amount overpaid by shellpoint. Now, my main concern is to get the lot number corrected as it was not my mistake. They claim that their third party tax researchers would need to look into it. On XX/XX/XXXX they told me that they'd have an answer within 48 to 72 hours. A week later, I still hadn't heard from them. When I called back to ask what they had found out, they still had no answer but I discover that they had paid an additional {$5000.00} (!!!! ) apparently this time for a county tax lien against a delinquent sewer bill. ( I pay my sewer bill every month and am currently up to date on that account as well as all other bills related to this home. ) So now I realize my escrow account has been drained to negative ( - {$3000.00} ) and it's been used two separate times to pay bills that are not mine! Meanwhile I still can't get any answer from Shellpoint and they consistently fail to call me back by the times that they  promise to get me an answer. They have told me that it will take about 6 to 8 weeks for them to get the money they paid back from the county. And they have said that, during that time, they will not use their own funds to replenish my escrow account. Escrow analysis isn't until XXXX this year so they claim this negative escrow balance will have no effect on my payments. I am not satisfied with that as I'm not confident that this won't end up becoming a bigger problem if we don't fix it now. Certainly, if I took {$7000.00} of their money and spent it without their authorization, I doubt they'd be willing to wait 6 to 8 weeks for me to make it right. They refuse to let me speak to anyone at the company 's legal department or anyone with the authority to make any real decisions. I am stuck dealing with customer service agents and their supervisors but they, of course, just do their usual scripted run-around. ( note : the supervisor who has consistently not kept his promises to get back to me is named XXXX. he is also the one who claims that it is reasonable to make me wait to get my account rectified until they can retrieve their errant payment from the local county. )
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was closed in XXXX of XXXX. 
When I bought the car in XXXX of XXXX the wells Fargo Bank lied about making the first payment. 

It was a nightmare making payments Now they are reopening the account to Further damage my credit. Posting late Payments on a closed account that is older than six years. 

On my credit report this account is closed.
Product: Credit reporting or other personal consumer reports

FCRA Section 605 ( 15 U.S.C 1681c-2 ) addresses identity theft and requires consumer reporting agencies to block the reporting of information identified as resulting from an alleged identity theft within four business days of receiving proof of identity, an identity theft report and a consumer statement. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX Balance {$14000.00}
Product: Debt collection

I have no idea who ENHANCED RECOVERY COMPANY is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. ENHANCED RECOVERY COMPANY is indicating that an account with the account number XXXX was opened with their company in XX/XX/2019. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. Enhanced Recovery did not provide any information regarding this account when I requested information from the. via certified mail XXXX XXXX XXXX XXXX XXXX. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized ENHANCED RECOVERY COMPANY as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ ENHANCED RECOVERY COMPANY } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to ENHANCED RECOVERY COMPANY, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 


Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Mortgage

My payments are made on the XXXX of each month by XXXX XXXX  arriving within 3 days yet every month Shellpoint sends me an e-mail around the XXXX stating my payment was not received. How is this possible? I have sent numerous letters to them including copies of my bank statement but they never respond back. They are the worst. They want to be paid thru " their '' on line system which I do not trust so I will continue to use my bank. Also, they keep stating I am a payment behind due to this months payment not being received? What is going on.
Product: Vehicle loan or lease

Lender is stating that my account was 30 days late XX/XX/2016, and added another month and stated account closed XX/XX/2016, when the loan was closed and paid in final XX/XX/2016. 
I've had numerous issues with Santander and will be formally filing a complaint with Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

I received a late payment on my auto loan ending in XXXX on my XXXX XXXXXXXX  account for XX/XX/2024 but this auto loan was refinanced and paid off and closed in XXXXso how will be late in same month it was paid off ( see attachments ) and its on all XXXX credit bureaus. The account is from XXXX XXXX  it was an auto loan for XXXX account ending in XXXX I owed XXXX they refinanced the loan which now ends in XXXX and I signed documents in XXXX. So how is it they marked me late for a loan that was refinanced in the same month Ill send both attachments to prove it. Also its listed as an Unsecured personal loan on Experian which is incorrect it needs to be listed as an auto loan because thats what it is.
Product: Credit reporting or other personal consumer reports

__________RESOLUTION________ In accordance with these federal protections, I hereby demand the following actions : Shape 1. Immediate Credit Freeze Block all access to my credit report and related files. No party shall access, view, evaluate, or retrieve my credit data without my express written consent.

Shape 2. Security Block / Identity Theft Block If any fraudulent accounts or activity has been reported under my identity, apply a full security block under FCRA 605B to permanently remove such items.

Shape 3. Opt-Out of Data Sharing I opt out of all prescreened credit offers and any use of my data for marketing, resale, data aggregation, analytics, or third-party access under FCRA and GLBA rules .

Shape 4. Block Secondary Data Access Restrict access to my information from secondary consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks _____I would like to place a security freeze and Block on my credit file effective today.____
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, I am a victim of identity theft. I previously submitted my identity theft report and complaint with Experian, XXXX and XXXX over 30 days ago. According to the Fair Credit Reporting Act, these items must be removed from my credit report. 
XXXX Complaint ID : XXXX XXXX XXXX Complaint ID : XXXX - XXXX Experian Complaint ID : XXXX - XXXX This is very upsetting and I need this fraudulent information removed from my credit report within 4 business days. 


FRAUDULENT ACCOUNT : Account Name : XXXX Account Number : XXXX, Account Name : XXXXXXXX XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX,
Product: Mortgage

On XXXX I applied for a refinance with BBVA employee XXXX XXXX. 

I was told I was approved and the next week they scheduled an appraisal of my home and charged my credit card {$550.00} for the Appraisal and another {$32.00} for the credit check. 

For the past 4 months I have continued to be told that I was approved for the loan and that they were behind with processing loans because new home loans were being done so people would not become homeless. 

In XXXX XXXX told me not to make my loan payment to the current mortgage company, because the refinance would be done. It was a good thing that I did not listen to him and made my payment, so that I would not XXXX  up my credit, because it is now almost XXXX and the loan has not been completed. 

I am out {$580.00} for an appraisal and a credit check and BBVA has failed to provide me with a loan that they had promised me. 

I was notified by my insurance company that BBVA has now listed themselves as the Mortgage holder on insurance, which has now caused an issue for me with my current mortgage company. 

XXXX stated that this was being done because the loan was going to be closing soon, but this was done on XXXX and I can not get response when the loan is going to close and it is now XXXX. 

I have emails of all the above conversations with XXXX
Product: Debt collection

I have sent several disputes to resolve issue. The car was a repo the company never sent a bill of sale nor notified me when the car was sold.XXXX  XXXX charged interest for the remaining of the loan after the car was sold which is illegal.
Product: Credit reporting or other personal consumer reports

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. 
clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time. 

Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!
Product: Checking or savings account

XXXX Capital One was selling members info which lead to me being a victim of people stealing money from my account. Capital One required that I open a new account. I made them aware I was to receive my stimulus in the account they were closing. They reassured me that the funds would be deposited into the new account upon arrival. To this day Capital One has not given me my {$7000.00} stimulus. Capital One denies ever receiving these funds. A letter from IRS proves that Capital One did receive the funds and they were accepted not rejected as XXXX lied in her letter to me. 
XXXX Capital One was in a class action law suit for selling their members information. Capital One did not notify me of the class action law suit. They refuse to make any corrections in either situation. I want my {$7000.00} and the rightful amount of restitution owned to me per the class action law suit
Product: Credit reporting or other personal consumer reports

On vacation in Texas. I went to start a hot spot service with XXXX XXXX. Could not get credit report because locked. I went back to the rv and over several days all were unlocked, verified and re verified. Started calling each of the 3 services. Equifax said freeze was off but there was another issue. They stated my identity needed verification with copy of driver 's license and a copy of social security card or XXXX or XXXX or copy of pay stubs with social security listed. I am retired and pension is electronic. I don't carry copy of XXXX or XXXX ( with tax file ) or social security card ( in bank lock box ). After 6 hours on the phone, 1 hour holding for a supervisor today, absolutely no support or work around. Consumers should not be held XXXX and should be able to be paid for wasted time.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have 23 accounts reporting late payments. All the accounts are under US DEPARTMENT OF EDU Acct Numbers XXXX, XXXX and Department of EduXXXX XXXX. 
Under 15 USC 1681b Permissible Purposes of a consumer report ( a ) General - Subject to subsection ( a ) any consumer reporting agency may furnish under the following circumstances and no other ( 2 ) In accordance with written instructions of the consumer to whom it relates.

Did I give written instructions to furnish this on my report? Furthermore, The Fair Reporting Act 15 USC 1681 ( 2 ) ( a ) ( 1 ) .Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions -Except as provides in paragraph ( 3 ) the term " consumer report '' does not include ( A ) subject to 1681s-3 of this title any- ( i ) report containing information solely as to the transactions or experiences between consumer and the person making the report. See the above late payments from my consumer report. No late should appear on my report.This is a violation attempting to report alleged late payments. Failure to respond according to the law will result in legal actions for harm caused.