23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I applied and received a car loan from Santander Consumer USA XX/XX/XXXX. XX/XX/XXXX I was having trouble making payments due to child support problems and reached out to Santander for help and guidance. They led me to believe that payments could be deferred and added to the end of the loan. What I did not realize was that I was modified into a simple interest loan with a balloon payment at maturity. Still to this day I have actually not been explained this product by Santander. Someone who used to work for them described what happened to me from looking at my statements. I had every reason to believe that when asking for help, Santander would have worked in my best interest, instead of using my hardship for their gain. I feel I have been deceived and have no recourse to get out of this loan. I want to make sure this does not happen to another as well as have some resolution as to how they have the ability to restructure a loan without me signing new documents or fully understanding what I was agreeing to.
Product: Debt collection

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Product: Debt or credit management

My rights were violated by both XXXX and Jefferson Capital Systems LLC. I have reached out via mail and email multiple times explaining the violations under The Privacy Act of 1974. I never gave any consent to share my information with a third party. This is also a violation under 15 usc 1681 ( b ). I have also received an email from Jefferson Capital Systems LLC which states that they will remove the false report and close the account, however they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over two months ago, I submitted an investigation request to Trans Union. They were supposed to respond within 30 days, but they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some accounts were brought to my attention when I got my credit ran to see if I pre-qualified for an auto loan ; The accounts are from these companies XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and US BKPT CT CA XXXX. None of these accounts belongs to me and I am not affiliated to any of these companies in any way. I did not allow anyone else to open these accounts in my name and I did not benefit anything from these accounts nor did I contribute to any payments made ; I do not have any written/verbal contract with any of these companies and I never gave them permission to access my credit information. I have filed already filed a police report regarding these accounts.
Product: Credit card or prepaid card

On XX/XX/19, I wanted to pay off my credit card balance. I logged into my account and paid off my full account balance of {$630.00} that was due on XX/XX/XXXX. Despite paying my balance down to, XXXX  I got a bill stating I owed {$3.00} intrest. How does one accrue interest on a XXXX  balance on a card that's closed? 

Furthermore, Macy 's has been reporting this {$3.00} balance as late on my credit and now it's reported as charged of as bad debt. I've called Customer Service several times to try and resolve this issue, but I've been unsuccessful. My last call was yesterday ( XX/XX/19 ) and the customer Service representative offered to waive the {$3.00} balance, but not to update the wrong information they reported to my credit file. My request to speak with a supervisor was denied. I was told no supervisor was available and the representative said she had to disconnect the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this as a formal complaint against Experian for not investigating and removing the errors and inaccuracies from my credit report. Experian has violated my privacy and my rights under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), credit reporting agencies required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Under the FCRA, unverified accounts must be removed unless they are able to provide me a copy of verifiable proof which they have yet to do after multiple requests. Please see my attached disputes previously sent to Experian and help me get these resolved. I am not familiar with the majority of these companies and I have yet to see any proof that these accounts belong to me or that I owe these companies anything. They are also in clear violation of Metro 2 compliance as I have pointed out in my dispute letters but they haven't responded or shown me any proof. Please help me get these negative accounts removed from my report.
Product: Mortgage

In XXXX XXXX I was informed that my loan was two months behind, I informed the caller that I was unemployed for a year in a half at that time, but I just got hired parttime and that I would be able to start making payments, she gave me an option of modification, I informed her that I would try to get needed paperwork to her for this, but I wanted to continue to make payments as I could. I received information for modification, I tried to get needed paperwork, due to work schedule it was hard, I was working consisitantly XX/XX/XXXX and I asked that they continue to draft my account for monthly morgage and when I could make additional payments to catch up I would. Wells fargo stoped withdrawing my morgage and I was informed when I called to check on my morgage that it was in forclosure and that a date for sale was not determined. Wellsfargo has had this loan since XX/XX/XXXX with me and the rate is 8 % on a {$40000.00} loan and I still owe that amount. I pay {$430.00} monthly, I have tried several times to get my intrest rate changed or refinance and they refuse and I have 30 years at this rate on this loan. Yes I have struggled with this loan due to my job lost, but this home is worth XXXX and Wellsfargo is sending people to take pictures of my home saying " this home is for sale '' I have the stress of being underemployment and Wells fargo trying to take my home to sell it. I have tried to set double payments and was told no, you have to pay {$2800.00} or do a ballon payment that wll be due in six months. Please help me I want to get away from Wellsfargo that are trying to steal my home for nothing. The intrest alone I have paid this loan off. I have depleted all of my retirement trying to pay this mortage monthly and I miss a couple of payments and they put me in forclosure. Please help me, I am so stressed with this problem. I have called everyday this week trying to set payments and they will not allow me. they are trying to make it look like I am very far behind and I am not they stoped taking my payments.
Product: Checking or savings account

Bank of America fraudulently charge me {$12.00} / month for 3 years without notifying me in any statements because my minimum savings dropped below their threshold after I paid my taxes from their account. I spoke to multiple people across customer service, retention, fraud, and in person and not one person was able to support. Its taking advantage of consumers because theyve notified me of other accounts but failed to share this and refused to issue a refund once requested. My balance got too low so I owe THEM money? BOA is not friendly towards consumer bankers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my FTC Identity Theft Report and a letter requesting the block of my information multiple times since XX/XX/2020. 

I have uploaded them, uploaded them to disputes and faxed and I mailed a copy on XX/XX/XXXX. 

To date the request to block the following accounts have been completely ignored when other bureaus have corrected and blocked per XXXX FCRA : Collection Account professional XXXX associates {$980.00} XXXX bank charge off XXXX {$2500.00} Synchrony Amazon Card chargeoff
Product: Mortgage

I was behind on my mortgage payments asked for a modification before any decisions were made they sold my loan to a different mortgage company
Product: Vehicle loan or lease

I have a complaint that was closed with the response from the company being that my credit information will be updated with the main credit bureaus within XXXX  days. See complaint # XXXX. It has been XXXX  days and my credit still reflects incorrect information. My credit report with XXXX credit bureau shows closed charged off repossession with no updated payment information and the other shows the wrong company name, open with the wrong payment and debt information as well. It only shows open because I tried disputing the information listed and only received a change of open status. This is hindering my ability to rent and my secret clearance for my fed job. They have not made good on their resolution and I have called XXXX time in the last XXXX weeks and have not received any confirmation from managers that this would be rectified. I was told the report credit on the XXXX of each month and still no changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello cfpb, the following list of dates and corresponding company names are fraudulent inquiries on my credit report that I did not authorize the companies to pull my credit and should be removed from my credit report. 

XXXX. XX/XX/XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XX/XX/XXXX - XXXXXXXX XXXX XXXXXXXX XXXX. XX/XX/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. XX/XX/XXXX - XXXX XXXX. XX/XX/XXXX- XXXX XXXX XXXX. XX/XX/XXXX- XXXX XXXX XXXX. XX/XX/XXXX - XXXX XXXX. XX/XX/XXXX - XXXX XXXX. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX. XX/XX/XXXX- XXXX XXXX XXXX. XX/XX/XXXX- XXXX XXXX XXXX. XX/XX/XXXX - XXXX XXXX. XX/XX/XXXX- XXXX XXXX XXXX. XX/XX/XXXX - XXXX XXXX XXXX. XX/XX/XXXX - XXXX - XXXX XXXX XXXX. XX/XX/XXXX - XXXX  XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX  XXXX. XX/XX/XXXX - XXXX FCU XXXX. XX/XX/XXXX - XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX - XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Thank you in advance, Respectfully, XXXX XXXX
Product: Student loan

My students loans were in default and a garnishment order was issued to an employer I worked for sporadically, so at the time of the order, I was an as needed employee, and my employer sent communication stating that they would garnish as they were able based on my pay. Several months later, My loan is in rehabilitation, and no longer in the office of Windham Professionals, INC. 
XXXX XXXX XXXX XXXX, NH XXXX XXXX I receive a paycheck yesterday XXXX/XXXX/2016 and there is a garnishment included. My employer is unable to remove the garnishment because they have no order to stop the garnishment. I then contacted Wyndham, and was told that my account was removed from them, and they could no longer speak to me about it. I asked if they would please send an order to stop the garnishment and they again reiterated that they could not address anything regarding the account with me. They said the account changed hands almost 9 months ago, and it was no longer theirs. I reiterated that my employer will have to continue to send garnishment payments to them until they receive this order. I was then told to contact XXXX, but when I did that I was told they never had issued a garnishment order. 

Basically, Wyndham needs to revoke the garnishment because they no longer handle the account, but they are refusing to work with me. We have worked to bring the loan out of default, and it is no longer in a status which would allow for garnishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters and complaints to experian XXXX  and XXXX  about the inaccuracy of the information on my credit report it has been more than 60 days since XX/XX/2021 and they haven't responded to any of my letters ether they are straight up ignoring my letters or taking advantage of me or both. I clearly stated that all three have failed to look into these items and investigate them or responded within a reasonable time of 30 days since it has been well over 30 days its been 60 days! I would like these items removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting XXXX  XXXX Account Number : XXXX Delete from my credit report. 


2. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1692e - False or misleading representations XXXX Account Number : XXXX Update to Open/Never late 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 


5. there is some inaccurate information reporting XXXX Account Number : XXXX Delete from my credit report. 


6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to have this account corrected multiple times even previously filing a complaint with the CFPB. This account was set to be removed from my credit report as of this year as it had been reporting past due payments since XX/XX/2015. This past month the payment history was updated to remove those past due payments to allow the account to remain on my credit report for more than 7 years. This is an unfair abusive and deceptive act. I am done dealing with XXXX XXXX and their continued practices and I am ready to file legal action against them. This account went into default over 7 years ago and needs to be removed from my credit report. Additionally, the last payment received on the account is not accurate as it was not the last voluntary payment made. The last payment on this account made by me was in 2015.
Product: Credit card

I am filing yet another complaint because you failed to give me my money back for charges that I did not do. I have filed a criminal complaint and once I go back to court I will get a written statement from them stating that this was not me!
Product: Mortgage

I purchased a home in XXXX XXXX for {$150000.00} with a loan amount of {$120000.00}. This made my original LTV 85 %. I am current on all payments and have never had a payment over 30 days past due. My principal balance fell below 78 % of the original purchase price in XX/XX/XXXX ( see attached statement from Flagstar Bank from XXXX showing principal balance of {$110000.00} which is 77.9 % of the original purchase price ). 

It has been over 12 months since my loan balance fell below 78 % of the original purchase price and Flagstar has not only failed to automatically drop my PMI payment, they have actively refused to do so. I have called three times requesting PMI be removed, and each time the representative has refused.
Product: Credit card

I used my Discover It credit card to use XXXX service. One of the service was getting XXXX ( XXXX ) XXXX ( XXXX XXXX complementry ). Since, I did n't use the service. I initiated dispute ( s ) on XXXX/XXXX/2015 along with another XXXX disputes for the same merchant. This particular dispute was never responded by the merchant and after 45 days my dispute was closed by Discover and I had {$170.00} posted on my account. On XXXX/XXXX/15, Discover updated my account one more time and reversed the credit of {$170.00}. 
The receipt submitted by the merchant does n't show that I received all the XXXX XXXX. I have made every attempt to explain this to Discover customer service supervisors but they said they need a proof of service. If I never received the service how can I give them a proof? I asked them to get a proof from merchant, if merchant can explain that I have received a full service. Of course, merchant has no proof since I never received the full service. Merchant only sent them a copy that shows that I paid {$170.00}, which is required to pay before to get future service. You have to go XXXX ( XXXX ) different times with minimum of one week gap to get a one XXXX at a time. 
I have n't used the full service of this XXXX program and I all want is the portion of my money back. I should n't be paying for something that I have never used. 
Most importantly, how can Discover reopen my closed claim and charge me back after 3 months and 9 days. They say, it takes 30 days to get to decision of disputed transaction but in this case we are talking about 99 days. 
Is this a fair practice for a customer?
Product: Credit card

I was shopping using the TARGET app and had a screen that said " save 5 % instantly, instore and online. '' Find the right credit for you, Credit, debit or reloadable. There is a XXXX footnote after the 5 % which says restrictions apply see Target.com/XXXX  for details. 

I filled out the online application and got a XXXX digit code texted to me, but no instructions for what to do with it and no notification that I was accepted. I called their XXXX number and they said there is no instant account because they have to do identity verification. It will be days and I will be notified in the mail. 

I went and looked through the footnote details mentioned above and it does say that it takes days to approve. 

SO why are they saying INSTANT? I was going to make a large purchase and thought it would be a good time to start getting the 5 %. Since I have never been turned down for credit, and have been given instant credit from other companies, I thought instant meant right away, not in days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is at least XXXX point off on my XXXX XXXX. The other XXXX reporting companies have me at XXXX and XXXX company does nothing to fix this even though their misinformation is ruining my life. This company cares about no one but profits. The only thing they do update on a daily basis is the amount of emails and app notifications about signing up for a monthly credit reporting with XXXX. This looks like a pay to play scheme. I am truly fed up with this company ruining my life. I would be a great day when they fix their injustice and reply to me something that its not a copy paste message. Now I cant even get free credit report because experian runs it and they want {$25.00}. This is disgusting.
Product: Debt collection

I was told by XXXX I was not under contract with them when I decided to change carriers to XXXX They tried to charge me an early termination fee, which is now in debt collection, but it is based on inaccurate information they provided.
Product: Credit card

I received a mailed notice from Wells Fargo stating that they would close my small business credit card account if I didn't provide my most recently filed tax forms. I've had this credit card for many years. I've never had to provide anything like this for any of my credit cards. I called customer service and they couldn't provide anymore info then what was listed on the notice. I went into a branch and spoke with a small business banker and they didn't understand the request either. The banker also called support and they said the same thing that I needed to fax them my most recent tax return. I work freelance which is listed in the name of my account so my tax forms are under my ssn. Also, I'm married and file jointly with my husband. Neither of us are comfortable giving the bank our full tax return. I've had my small business checking and savings accounts for as long as the credit card. And I've been with Wells Fargo for decades. This is just a ridiculous request and even more ridiculous that no one at Wells Fargo can tell me what the problem actually is. I hope CFPB can help clear this up.