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

Good Day, I am having an issue with a bank that involves an auto loan with Santander Consumer USA. I submitted a complaint with The Attorney Generals office and XXXX  in regards to this company. Billing me for my auto loan in which the bills were paid by the cut off date of the XXXX of each month. However, what the company say I was billed for was not applied to my account. Which prompted me to initiate a complaint as mentioned. I was billed for late fee which in fact I was not late. Some of the late fees were waived and or credited however there have been payments that were made and not credited to my auto loan. I asked for an extension for the payment for the month of XXXX. I was told that I could not be assisted because I filed a complaint with The attorney Generals office, not for no other reason explained from the XXXX office of this company per the representative on XXXX the XXXX XXXX. I was told that I needed to fax in a letter stating I am no longer in litigation which I am not but I needed to accept their terms to be assisted with The extension. I need to know where exactly should this new complaint be filed. 

Respectfully, XXXX XXXX XXXX XXXX as of today I was told I could not get an extension due to not paying XXXX consecutive payments. My. Account was current when I requested the extension back in XXXX for XXXX. I was told I needed to fax in a letter stating that I was no longer in litigation to get assistance. I have not received any responses via email after repeated request nor via postal mail. 

It appears that I was discriminated against because I filed a complaint about wrong doings and faulty practices of Santander Consumer USA. 

My issues with my auto loan The loan was established in XX/XX/XXXX for a XXXX XXXX XXXX for {$27000.00}. My loan balance is still {$25000.00} with monthly payments of {$710.00} with 1 or 2 payments deferred. I believe that I am a victim of abusive loan terms on borrowers, including high-interest rates, high fees, A targeted vulnerable individual with poor credit, low income when the loan was established Discriminatory / PREDATORY lending practices were used. I have paid over {$15000.00} on car payments thus far. My balance does not reflect hardly any of those monies. Its a issue at this point.
Product: Credit reporting or other personal consumer reports

THIS IS A NEW COMPLAINT WITH NEW INFORMATION. 

An official validation letter was mailed to the address listed on your website on XX/XX/XXXX, and shown to be delivered on XX/XX/XXXX, to the " Front Desk/Reception/Mail Room ''. Even after filing a CFPB complaint, the company failed to validate this debt properly. The company 's response does not come close to the validation requested in the same letter attached to this complaint nor by what the CFPB considers validation. Merely citing a social security number and providing the balance amount, which I provided in my previous complaint, is not validation. This account shows a last activity date of XX/XX/XXXX, for TransUnion and XX/XX/XXXX, for XXXX. The account was either changed, updated, or opened/closed in XX/XX/XXXX, or it wasn't -- the same for XX/XX/XXXX. There can't be two dates for the same account. The FCRA states that all reported accounts need to be verifiable and timely. If these dates hold true, which I assume they are, this constitutes that this account is NOT timely and may have violated the FCRA. Your failure to provide proper validation may have also violated the FDCPA. As a consumer, I am entitled to a credit file that is 100 % accurate, timely, and verifiable, which this account is not.
Product: Credit card

In XX/XX/XXXX, my Apple Credit Card was stolen. I found out and reported it to the credit card company in time. The credit card company replaced my card and temporarily cancelled the charge. In XX/XX/XXXX, the credit card company asked me to pay the stolen charge. I contacted the credit card company again and they temporarily cancelled the charge again. I gave the customer service staff the information they requested and provided evidence to prove that the charge was stolen. But the credit card company sent me the bill again. Even if I submitted the evidence, I couldn't solve the stolen charge.
Product: Debt collection

An account from Jefferson Capital Systems for {$590.00} called XXXX  XXXX was added to my credit report that is not mine and I would like it to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX I wrote to Equifax these addresses be deleted from my credit report. To date, I have not received a reply or any acknowledgment that this has been done. In my previous request, I ask that my 100 % accurate information be reported on my credit and request a reply within a reasonable amount of time.
Product: Credit card

I noticed a claim on my credit card for XXXX dollars on XXXX. I immediately disputed and closed the account. I have never in my life made a purchase for that amount on a credit card EVER. I was told apple resolved this in my favor only to find out 5 months later I was being told I was responsible. I again chatted with an XXXX and explained i was never provided any documents on this decision and they said they would reopen it. I had local police investigate this. I belive my XXXX  who is a XXXX XXXX  has something to do with the incident. I have full custody and this day in question she met me at police station to get the the kids. My son had my phone and i forgot to get it back before they left. I did get it back later that night but no idea any issues had occurred. it was a couple weeks later when I noticed the XXXX charge. Apple refuses to talk to me. Take any of my information. I am so upset as I do right in life and served as a police officer for many years. This is fraud agaist me and i was told by the local police that they have an update and I will be calling in the morning. So this reminds me to look at my account. NOTHING. Nothing from apple to provide findings just a big hefty charge that is being charged intrest. Please help me as I am SICK over this. I was a loyal customer to them and paid the card off off each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have been reporting a old child support account since XX/XX/XXXX. I disputed it in XXXX and was told that it was deleted because it had been more than seven years since it first became delinquent. I received a copy of my credit report yesterday and the account wasnt on the credit report I got. Now its back on there and I had to dispute it once again because they claim that the first date of delinquency is now XX/XX/XXXXof this year. I have a copy of payment history which is from the creditors showing whats being reported is a lie. I dont understand how a negative account can show on my credit report for ten years. They dont report child support in a way to help your credit and thats what I told the guy. Equifax in my opinion re-aged that account in a way to make money off of me. I can prove that account isnt showing on this report I got yesterday and they admitted that the first date it was reported wasXX/XX/XXXX. I feel like Im being treated very poorly by the company and not to mention the breaches that keep happening. Please help me hold them accountable and I have no problem sending you the documents I have to prove that division of child support wasnt on there
Product: Debt collection

I have made numerous complaints to CFFB over the last years which have fallen on deaf ears. I STILL don't know what to do or write to convince you to do SOMETHING to help not only me but others who may be affected by this " mortgage company ''. My complaint started with Ocwen Mortgage service, now it has been sold, given to PHH "  mortgage service ''. They are still trying to foreclose on my condo. At last on XXXX of this year this went to court and a judge who had other things to do was tired of dealing with this so nothing actually happened but she through the case out without having jury. Ocwen had added numerous fake charges to my mortgage, which initially had a balance of approx. {$43000.00}. Now I have been loaded with additional fees totaling over {$130000.00}. While this was going on in court it was settled for {$90000.00}. I have my condo for sale at {$150000.00}. Now, PHH has taken over and claim I owe over {$130000.00}. If I sell my condo at the asking price I will only have approx. {$20000.00} left over. I will need at least 30 % for a down payment in order to get another loan. Ocwen/PHH has utterly ruined my credit. Please refer to my other complaints to bring yourself up to date. I NEED HELP yesterday, last year, the year before - you get the idea. I was about XXXX years old when this started. I am now XXXXyrs. old. I don't want to live like this for the rest of my life. PLEASE HELP. I believe they are extorting money from me in order to foreclose on me.
Product: Credit reporting or other personal consumer reports

Experian, I am writing to express my deep concern and frustration regarding an incorrect charge that has been erroneously attributed to me by XXXX XXXX. Despite my repeated attempts to rectify this situation, I have been met with nothing but stall letters from your organization. 

Let me be clear : the charge in question is not mine, and I am in no way responsible for it. It is unacceptable that this false information continues to appear on my credit report, potentially damaging my credit score and hindering my ability to secure credit in the future. 

As a consumer, I have the right to an accurate credit report, and it is your responsibility as a credit reporting agency to ensure that the information you provide is correct and up-to-date. By allowing this incorrect charge to persist on my report, you are failing in your duty to maintain accurate records and are causing me undue stress and inconvenience. 

Moreover, I believe that your handling of this matter is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically : 1. Section 611 ( a ) ( 1 ) ( A ) - Reinvestigations of Disputed Information : If a consumer notifies a credit reporting agency ( CRA ) that they dispute the accuracy or completeness of any item of information contained in their file, the CRA must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file within 30 days.

2. Section 611 ( a ) ( 5 ) ( A ) - Treatment of Inaccurate or Unverifiable Information : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the CRA shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

By failing to properly investigate my dispute and remove the incorrect charge from my credit report, you are in direct violation of these FCRA provisions. 

I demand that you take immediate action to investigate this matter thoroughly and remove the erroneous charge from my credit report. Furthermore, I insist that you provide me with written confirmation once this issue has been resolved. 

I remind you that under the FCRA, you are obligated to conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. Failure to do so can result in legal consequences. 

I urge you to prioritize this matter and address it promptly. I have been patient thus far, but I will not hesitate to escalate this issue to the appropriate authorities, including the Federal Trade Commission ( FTC ), if necessary. 

Thank you for your attention to this pressing matter. I look forward to your swift response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I was a victim of the Equifax hack in 2017. Because of this, Equifax has allowed my name, DOB, and SSN to be accessed by unauthorized personnel, which may lead to identity theft, fraud, and a disruption of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off XX/XX/XXXX, XXXX told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 

According to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting % 100 Accurate. According to the FRCA 15 USC 1681 everything has to be % 100 Accurate. I have the credit report showing the inaccuracies. 

COLLECTION- XXXX XXXX XXXX ACCOUNT TYPE- COLLECTION COLLECTION- XXXX XXXX XXXX ACCOUNT TYPE- COLLECTION PERSONAL LOANS- XXXX XXXX  XXXX ACCOUNT TYPE- UNSECURED
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and Equifax credit reporting agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at XXXX XXXX  in XX/XX/XXXX, XXXX in XX/XX/XXXX, XXXX XXXX in XX/XX/XXXX, XXXX XXXX in XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the US Federal Trado Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

On XX/XX/XXXX, I called XXXX customer support to understand why my in-app payments were not going through. I was then told my Wells Fargo XXXX account was closed on XX/XX/XXXX without any warning, resulting in a loss of over XXXX rewards points in my XXXX account and a severe drop to my credit score. When I called XXXX customer services on XX/XX/XXXX to learn more, none of the agents had any information about why my account had been closed. I was transferred 4 times before an agent told me that a letter would be arriving with more information and that is the most she could do. When the letter arrived on XX/XX/XXXX, it contained little-to-no information about why my account had been closed beyond 'suspicious payment or account activity, or money that we could not collect. ' So, I called the number in the letter for more information. After being transferred XXXX times once again, nobody was able to provide any information about why my account is closed, stating that 'there 's nothing in the notes about the closure. ' The last agent informed that the fraud department is handling my account and the she could email them to get in contact with me since they do not have phone to call. Two weeks later on XX/XX/XXXX, I had not received any calls so I called the number in the letter again. After having to explain my situation again, I was transferred to card services, who quickly ( and incorrectly ) transferred me to business card services, who then transferred me to another support line. The agent I spoke to was finally able to tell me that my account had been closed due to " 6 returns in 6 months. '' I contested that all but one month 's payment had gone through, and that my account balances would reflect that. She escalated me to her supervisor, who explained the same thing to me. I asked for a contact with more information, and she transferred me to a customer advocacy representative who listened to my situation and escalated my account to by reviewed by the " Executive Office. '' I am now waiting to hear back from that office about reinvestigating my account. I have been told by many agents that my account can not be reopened, and I have to submit disputes to the credit bureaus to hopefully recover my credit score. I did everything to pay this card on time and use appropriately in alignment with guidance XXXX and Wells Fargo, and have been unreasonably punished and robbed of benefits and credit.
Product: Mortgage

I had a loan modification done in 2018 and the mortgage company charged me excessively for homeowners insurance ( XXXX ) when I already had homeowners insurance. I just discovered this error and have tried to get it corrected with XXXX for the last XXXX months
Product: Money transfer, virtual currency, or money service

Good afternoon! 

I am writing to submit a complaint regarding the permanent limitation that has been placed on my PayPal account. I believe that this limitation was placed by mistake and would like to appeal this decision. 

Firstly, I would like to emphasize that I have not violated any PayPal policies. I have always used my PayPal account in accordance with the terms and conditions set forth by your platform. Therefore, I find it unfair and unjustified that my account has been permanently limited. 

Secondly, I kindly request that PayPal re-investigate my case to rectify any possible errors that may have led to this limitation. I am confident that a thorough review of my account activity will show that I have not engaged in any activities that violate PayPal policies. 

Lastly, I would like to request that my account be restored if possible. As a regular PayPal user, I depend on this platform for many of my financial transactions. A permanent limitation of my account will not only inconvenience me but will also restrict my ability to carry out my financial obligations. 

I am hopeful that PayPal will take my request seriously and that my account will be restored promptly. If you need any further information from me, please do not hesitate to contact me at XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

We have held a Capital One 360 Savings account since 2016. As interest rates rose significantly between XXXX- Capital One created a phantom savings account called " XXXX XXXX '' without advising current savings account holders that they are missing out on much higher interest rates for their existing " XXXX Savings '' accounts. Through those years, our XXXX account held up to {$500000.00} at the low frozen interest rate of 0.3 % where we could have received much higher rates had we been made aware of the XXXX XXXX account. As soon as we discovered this lawsuit, we immediately called Capital One and asked to be converted to the XXXX XXXX account. This was an unfair business practice and no doubt saved Capital One and their shareholders billions of dollars at the expense of unassuming consumers. We want to be part of the class action lawsuit and get the interest payments that we deserved under the performance XXXX account since it's inception.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The XXXX and TRANSUNION credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$29000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts name : XXXX XXXX XXXX XXXX  # XXXX Account name XXXX  # XXXX Account name XXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME XXXX XXXX # XXXX violated my rights 15 U.S.C 1681 section 602 A States I have 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 followinc items of information XXXX other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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 or other personal consumer reports

Hello, hope all is well. 

Please review my complaints. 
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 15 USC 1681 I told the Transunion to reinvestigate these accounts : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However , they stated everything was complete and accurate. But how is that possible if the open date, date of the last activity, high balances, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 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. Im looking to buy a home in the next few months, and this is really putting a halt to my progress. Please help. Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account numbers XXXX, and 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 a account without my written instructions