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

XX/XX/XXXX Santader Consumer USA changed the term of my loan without my knowledge or consent and did this based on the dealer submitting XXXX separate forged loan documents. 
XX/XX/XXXX I notified Santander of my assertion of dealer fraud and Santanders responsibility to me if I suspected dealer abuse and fraud. I informed Santander that I never signed the loan document nor did I agree to the purchase of the back end ancillary products added to the loan contract. I requested copies of these documents from both the dealer and Santander. The dealer has yet to provide the documents and Santander finally sent me a copy of the loan documents on XX/XX/XXXX. After reviewing them it is obvious that they were forged because I never signed them. 
I reminded Santander of the permanent injunction that Santander was violating and begged them to work with me. 
XX/XX/XXXX I removed the authorization for auto pay from the external accounts associated with my loan. I did this online and over the phone. Santander ignored this request and XXXX payments were taken from XXXX different accounts XXXX of which was my business account which forced it to close. 
From XX/XX/XXXX until XX/XX/XXXX I emailed, called and wrote Santander regarding the inability to make the payments and the loan was in default. 
XX/XX/XXXX Santander repossessed my car but the tow truck driver failed to provide me with the documents for a legal repossession. 
XX/XX/XXXX I received a call from someone claiming to be from the XXXXXXXX XXXX. This person told me that they sent out a copy of the loan document and the deficiency notice required by law. To date I have not received anything from Santander. 
It is my assertion that Santander bought this loan from the dealership with forged signatures, changed the term of the loan and withdrew money from XXXX checking accounts that were unauthorized and not legal. 
I also assert that Santander violated the class action permanent injunction dated XX/XX/XXXX were Santander must watch out for signs of dealer abuse and re evaluate all loans if they default within a certain time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late on my credit report from XX/XX/XXXX on a XXXX card when in fact that account was paid off in XX/XX/XXXX. I called company and they said that they are not reporting this because there is no late to report. However XXXX is reporting me late of XX/XX/XXXX on that account and I need this to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last night Equifax announced a major security breach. 

My account information, amongst millions of others, has been comprised and probably sold.
Product: Debt collection

Bill received via USPS, stating they represent my local government and I need to pay this bill of {$330.00} Municipal Services Bureau XXXX XXXX XXXXXXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX examined my credit report and found that a late payment dated XX/XX/2023 from XXXX XXXX XXXX XXXX. 

According to law Title 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) ; Rule of Construction, it states a " " consumer report '' does not contain information solely as to transactions or experiences between the consumer and the person making the report ; ''. A credit note or a late payment is considered a transaction ''.

Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please Remove this Credit note/transaction. It is illegal and it is affecting my credit worthiness. I never signed my WET SIGNATURE nor gave XXXX XXXX XXXX XXXX WRITTEN INSTRUCTION to report information to the credit bureaus.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Debt collection

HELLO MY NAME IS XXXX XXXX AND THIS IS MY SECOND ATTEMPT ON TRYING TO RESOLVE THIS MATTER WITH XXXX XXXX. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Product: Checking or savings account

I received a frost bank debit card and apparently someone had opened an account in that name with that financial institution
Product: Mortgage

I have a mortgage for an investment property with Shellpoint Mortgage Servicing. 
They forced me to escrow funds for r.e. taxes and insurance. The first installment of Illinois r.e. taxes in XXXX County was on XX/XX/2020. I called Shellpont numerous times, emailed and faxed my r.e.tax bill twice to no avail. 
My r.e taxes are delinquent and there are late fees there already. 

Please, help me resolve this situation.Here is the information for my lender : NewRez LLC dba Shellpoint Mortgage Servicing XXXX. XXXX   XXXX XXXX, SC XXXX Main Office NMLS ID # XXXX ( XXXX ) XXXX Loan # XXXX Thank you XXXX XXXX
Product: Mortgage

Regulation B violation Wells Fargo Private Bank was doing a jumbo home loan for my main home wanted to buy for my family. I signed a PA on XX/XX/2020 for {$5.00} XXXX loan. I had large deposits with them and they said it should be no problem. 
Almost 45 days after I got started the process I have not heard back rom them and presumed they had everything they needed. They told me they still needed several documents. I asked why they never asked me for them and they lied and said they did. I told them you sent me no emails, no missed call or voice messages. 

Now my closing date is in a few days and I am going to lose over {$1.00} XXXX deposit and won't be able to get a home. 

They say or we are sorry we did what we could!! Several other banks I sent my information to this week said they could all do this loan no problem for me!
Product: Credit reporting or other personal consumer reports

I have ask Experian and XXXX to fix thr report, but they keep sending me letters saying they are not sure its me connecting them. They are try to keep me on the credit wheel of doom forever. However XXXX has fix the Issue and change the report.
Product: Mortgage

XX/XX/year>, in my capacity as Executor to a relative 's will, I transferred funds to JP MORGAN CHASE to pay off a mortgage loan. The initiating bank, XXXX XXXX, confirmed the wire transfer went through successfully that same day. JP MORGAN CHASE continued to send monthly mortgage payment demands. I immediately followed up and provided them with the physical wire transfer receipt but the mortgage payment demands never end, I have contacted multiple people in their organization whose names I can provide and I have the dates of all the phone calls, FAXes, and emails sent into the great void at JP MORGAN CHASE which are all too voluminous to include here. 

Ultimately, XXXX weeks later JP MORGAN CHASE still can not locate the funds and have done nothing to resolve the issue despite countless conversations and sending resending and sending yet again of all of the required data!!! The demand letters keep coming. Meanwhile the application of the funds on the date sent is critical to settling my relatives estate and yet NOTHING from JP MORGAN CHASE!!!
Product: Debt collection

This company is violating the FDCPA, JPMorgan Chase Bank. I asked this company to show proof of this alleged debt. They sent me copies of an installment contract showing that they was assigned a contract by a creditor, when in fact they are debt collectors trying to collect on a debt that I do not owe them. This company has stolen my personal property ( vehicle ) Pursuant to 15 USC 1692e. -False or misleading representation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 4 ) The false representation or implication that nonpayment of any debt will result in arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is unlawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. According to 15 USC 1692f -Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. I Dispute any debt allegedly owed to this company. This company must stop all collection activities, I am revoking now. Do not attempt to sell my personal property ( The Vehicle ) This company has also violated the FCRA by reporting inaccurate information on my Consumer report to the Consumer Reporting Agencies. According to 15 USC 1692k The Law is very clear as to the Civil Liability and remedy available to me.
Product: Payday loan

i XXXX XXXX submitted all account to XXXX including XXXX for paynment to XXXX now this company call ltd financial services limited partnership have being calling my phone and now they have sent a letter to my house if i do not contact them a judgment will be force .this is the phone number XXXX ask for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the following unauthorized inquiries to be removed from my credit report for the last 3 months and the bureaus have not responded to any of my letters. Listed are the inquiries that was unauthorized and needs to be removed from my credit report. 
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
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, particularly in light of the CFPB lawsuit highlighting significant issues with the platform. Dispute using Zelle numerous times and reporting discrepancies, my financial institution and Zelle have to investigate my claims adequately. They informed me that recovering loss funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

After checking my credit reports I noticed that I had accounts whose ownership have never been verified reporting to all three major credit bureaus. I disputed the information, stating that I never received any documentation verifying that the owner of the account was resurgent. resurgent responded to all disputes stating that enough information was provided for the state of Florida, however, I live in the state of Nevada. On XX/XX/year> I contacted Resurgent directly to settle the issue with verifying the owner of the account. I stated to Resurgent that to my knowledge the owner of the account is XXXXXXXX XXXX XXXX and if they are the legal owners of the account to send me some kind of proof so that I would be able to verify the account because my credit reports reported that LVNV Funding is the original creditor. Resurgent stated that they conduct business under the name LVNV Funding as well and that they were unable to send the documents to prove ownership of the debt such as a purchase agreement or any other kind of documentation of ownership of this debt account. Resurgent told me that I could find the documentation that they sent me in the mail through the online portal listed under Documents. The document that I downloaded from Resurgent proved that the owner of the account in question is XXXXXXXX XXXX XXXX. I disputed the account directly with Resurgent and was provided with the Case NumbeXXXX : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve this account for THREE months, I then receive a notice that my file has been updated correctly and then 2 days later it is back to having a balance. I have sent NUMEROUS letters and fax to all 3 credit bureaus to get this problem corrected, I have spoken to several customer service representatives about this issues again today XX/XX/18 I called all 3 credit bureaus AGAIN about this problem and a XXXX for the ( XXXX   team ) at experian told me there is nothing she can do but keep filing a dispute. I have send them a letter regarding this account and now she is telling me they cant accept the letter because some of the letter has the account number encrypted. I'm very frustrated at getting this resolved and they are now in VIOLATION of FDCPA. my credit report should be updated immediately with CORRECT information!
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get this issues resolved since XXXX both credit bureaus ( XXXX and experian ) have refused to supply correct information such as original contract, original payment and dates regarding this collection account .I have sent supporting documents and they continue to allow an aged account to ruin my life. I have reached out to the original creditors with no response Per documents attached the account is from XXXX and was sold to a third party in XXXX. They re aged this account ever couple of years please see document below and resolve
Product: Money transfer, virtual currency, or money service

IRS economic relief payment scheduled direct deposit verified on irs.gov to direct deposit XX/XX/XXXX. No check was received nor any notice as to status or why it was not received. M & T is denying receiving it and they and I both verified on the IRS website that I was to receive a direct deposit of {$1200.00} on XX/XX/XXXX to my account. It is now XX/XX/XXXX. Nothing.
Product: Vehicle loan or lease

On XX/XX/, a repossession company came and repossessed my truck, did not realize that there was a 20 ft trailer connected until they tried to drive away. Backed the trailer up into the side of my portable storage shed and ripped the side open. In Michigan there is a breach of peace law pertaining to repossession that requires that a person by made whole for the damages. The loan company would only waive the repossession fees and not pay for the damages incurred by their contractor.
Product: Checking or savings account

I signed up for the square then after some days they deactivated my account they sent me an email in which they are holding the funds for 90 days now its been more than 180 days all the disputes are resolved and 90 % are won by me they just kept sending automated emails but not releasing my funds
Product: Money transfer, virtual currency, or money service

My phone wass hacked into the hackers had access to all my social media accounts along with access to my digital banking there was alot of fraudulent transactions done on my XXXX XXXX which is provided by XXXX XXXX i provided them witth the police report identity theft report and they denied my claim without any statement to why it is being denied i really need your help to get my money back i am also uploading all the supporting documents here as well.. I also provided a letter i got from health care company stating they had a cycber attack and the hackers were able to access mine along with other peoples informations who were on their computers
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal bank account at XXXX XXXX XXXX opened on XX/XX/XXXX account # XXXX with a balance of {$210.00}, a personal credit account opened at XXXX XXXX XXXX XX/XX/XXXX account # XXXX with a balance of {$490.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aformentioned fraudulent items. I do not recognize the aforementioned accounts, collections, as mentioned. The aforementioned accounts, collections or hard inquiries appearing on my consumer credit report maintained by you were not opened, 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I am attaching a Screen shot of a call Received this morning. 
They are spoofing the call to make it look like my wife is calling me.
Product: Student loan

I received my first student loan more than 30 years ago, and my last disbursement was on XX/XX/1991. I have been paying on them off and on since then. My loans have been consolidated multiple times, but the interest rate is still around 8 %. I do not think the data I downloaded is correct. Student Total All Loans Outstanding Principal : {$140000.00} Student Total All Loans Outstanding Interest : {$19000.00} Can someone please review it?
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report and they said they did and stated that everything was accurate. But when I did my own investigation, I noticed that there were still a lot of improper inaccuracies on my report even after the did their investigation. For example, XXXX XXXX Account # XXXX which is a Revolving account type. Has all kinds of inconsistencies where it is showing that it was opened with TransUnion on XX/XX/2015 XXXX on XX/XX/2015 and XXXX XX/XX/2015 I also could see that the last reported dates the last active and last payment dates were all inconsistent. 
In accordance with the fair credit reporting act XXXX Account # XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

My Name is XXXX XXXX ( aka XXXX XXXX ) and I applied for a mortgage through Bank of America with lender XXXX XXXX. On XX/XX/XXXX, he asked for my credit card to pay for the appraisal. However, on XX/XX/XXXX, at XXXX I texted XXXX and said that we want to put the appraisal on hold because we were not sure whether we are moving forward with the home loan because there was a possibility that my husband 's grandmother would need to move in with us due to COViD and we were going to put the home buying process on hold. A On or about XX/XX/XXXX, I saw that BofA charged my credit card {$840.00} ( the charge was made on XX/XX/XXXX ) for an appraisal. I called XXXX and asked for a refund. On XX/XX/XXXX, I received a credit on {$120.00} from BofA. I called XXXX again, he said that they probably did a drive by appraisal and that's why they may have refunded me some of the money, but he's not sure. He said he would look into it for me. 
After going back to XXXX several times, I received a 2nd credit on my card fro {$1.00} on XX/XX/XXXX, which seems like a very odd amount. 

I realized that XXXX was unable to get my refund so I called BofA directly. I was passed around and disconnected several times-no one knew who could help me. After 2 hours, someone was able to give me the process server 's name-XXXX XXXX. They reached out to XXXX on my behalf. I did not hear from XXXX so I reached out to her. XXXX then private messaged me and said the appraisal was completed and any further questions should go to XXXX. That was all she said. I asked when the appraisal was done, but she never responded to me. 
I reached out to XXXX again, he said that the executive director was very angry with him and told him they completed the appraisal and will not return my money. XXXX said the director blamed him for the mistake. XXXX said he got in " a lot of trouble ''. He told me he didn't know if the appraisal was done. 

I messaged XXXX again and asked her when the appraisal was done, why I never got a copy of the appraisal and why the refunded me {$1.00} but she doesn't respond. She diverts my emails to XXXX XXXX stating XXXX will answer my questions. 

I spoke with XXXX today. He said he cancelled my appraisal on XX/XX/XXXX and it seems the appraisal was ordered by BofA on XX/XX/XXXX. XXXX said BofA received the appraisal on XX/XX/XXXX. He said he cant help me any further. 

I never received a copy of the appraisal. BofA will not tell me why they refunded {$1.00} and they are not responding to my private messages either. 

I have filed a dispute with my credit card too. 

The loan # is : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Through out the duration of my loan I made two payments, one approximately on the XXXX and one on the XXXX. In XX/XX/XXXX I began receiving calls from Hyundai Capital America stating that they had not received any of my payments. I explained to them on serveral occasions that I submitted payments. I also requested they document our conversations. In XX/XX/XXXX I noticed they began reporting late payments which was inaccurate. I called them and advised them and still no resolution. I faxed proof of payments and still no resolution. I then reported a discrepancy with the credit bureaus and they declined responsibility after I submitted proof from my back. I called them to question the dispute and they stated they have a section called care team that dealt with the disputes but I was not able to speak to them regarding my dispute. They failed to assume responsibility and have impacted my credit after I have tried to contact them via fax and submitted the proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft WFDS Account Number : XXXX This is not mine. 

2. Identity Theft CHILD SUPPORT ENFORCEM Account Number : XXXX This is not mine. 

3. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

4. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine