23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It is a national pandemic. Everyone is infoming us consumers that we can deferr payments but yet when I do it, Santander reported me late XX/XX/XXXX. 

How can this be allowed with a pandemic going on. I am on unemployment and out of work. Santander knows this, they are the ones that said do not worry we are not reporting late payments during the pandemic. 

Now I am going back and fourth with the Credit Bureaus telling them its a pandemic and they are reporting me late and my account is paid up as agreed. This is too much, I have a family to take care of and need to move during this pandemic to downsize. I can not do that because I have this late payment reporting during this national pandemic. I need some help someone has to help me. I have been writing and calling the credit bureaus and they are not helping me at all. If you look at my credit report you will see that I have never been late in XXXX. This does not make since i pay my bills take this error off. it is a pandemic and they shoul not be doing this tome!!
Product: Credit card or prepaid card

I used CareCredit/Synchrony Bank to pay for XXXX  work. This was the last of a series of " purchases ''. The " purchase '' originated on XX/XX/XXXX, the terms were 0 % interest for 18 months, due XX/XX/XXXX. This account was on automatic payment. For the last 12 months, I was paying {$300.00} per month a method I had in place to make sure I never missed a payment. 
In the first week of XX/XX/XXXX, I XXXX XXXX, as well as the rest of my XXXX. We were all very fortunate with recovery. 
On XX/XX/XXXX, I realized that I missed the promotional expiration date of XX/XX/XXXX. I immediately called for a balance and made the payoff balance that day. I explained to customer service the situation with my health and the health of my family and asked for an extension of the promotion in order to waive the huge 26.99 % fee that was assessed. I explained my focus was only on our health and I knew they were getting the payments and didn't have the mindset for anything else. 
CareCredit/Synchrony Bank did not offer me a thing, they continued to charge me interest. I realize they are heartless and business is business and every man is for himself during this pandemic that has affected the entire world and economy. The biggest issue outstanding after countless correspondences and telephone calls is the explanation of the deferred interest charges of {$1800.00} on a balance of {$4100.00} on XX/XX/XXXX when the original charge was only {$3600.00}. The charges continued to accrue at the rate of 26.99 % on that pattern. I paid all the charges once I realized they were not addressing the question and explaining how the calculations were figured while they continued to charge my account. The latest claim is they are referring my concerns to corporate. They continue to deflect and not address their math equation.
Product: Debt collection

I believe the company has been paid for a debt they are currently garnishing me for as well as failed to take the company they transferred it from into account. I believe they are attempting to receive more money than they are entitled to and failed to inform the court of such. The other company-XXXX  and XXXX are continuing to check their records for any wrong doing on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 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 XXXXXX/XX/XXXX
Product: Checking or savings account

- On XX/XX/XXXX I opened a Citi XXXX XXXX account with Citi Bank - XXXX XX/XX/XXXX I received the ATM/debit card in the mail and was able to add funds to savings account ( the ATM card number and PIN were needed to verify the account before I was able to add money into the account from my personal checking account at XXXX  XXXX XXXX  XXXX XXXX ] XXXX - On XX/XX/XXXX I moved {$5000.00} into the Citi XXXX  XXXX account from my personal checking account at XXXX Bank and received confirmation that this fund transfer was in process - On XX/XX/XXXX I checked my Citi mobile app to verify that the transfer had gone through and my entire Citi XXXX  XXXX account had disappeared and was inaccessible to me. The {$5000.00} had been successfully transferred OUT of my personal checking account at XXXX Bank but the Citi XXXX account was completely gone - On XX/XX/XXXX I phoned multiple Citi Bank departments and was able to get no answers about why my account had been closed, where my money had went, or when I would get my money back - On XX/XX/XXXX I opened a case with the Citi Bank executive office - On XX/XX/XXXX I spoke the Citi Officer of the Bank handling my savings account case and was told no additional information but that my account was being closed. She did not tell me when it would be closed and could not tell me when I would receive my {$5000.00}. She just said I had to wait 30 days and then I would need to contact the Citi XXXX department to confirm the account closure process and that IF my money could be returned, it would be returned in the form of a check to my mailing address on file. 
- I absolutely NEVER violated the terms of my account for the account to be closed in the first place. I do not care about keeping the account open ( after this horrific experience I never want to work with Citi Bank again ) but I am very concerned I am not going to receive the {$5000.00} that I had transferred into the Citi savings account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$14000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I do not recognize the negative accounts appearing on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my report, I am seeing several inquiries that I did not authorize and am unaware of. I have reached out to the companys directly, who told me to call a three bureaus ( which I did ) and have been going in a big circle with trying to get theses unauthorized inquiries off.
Product: Checking or savings account

Hello my name is XXXX XXXX XXXX, I have an account with Navy Federal Credit Union. Every month I deposit a check for the same amount of {$1200.00} from the same company into my account. It is usually released in about 2 business days. I called the credit union this morning and found out that it would not be released until XX/XX/22. I am in danger of being EVICTED from my home!!!!!!! I don't understand why I can't have these funds released. I was told that these funds are being held for " my protection '' but I am going to be homeless!!!!! That is NOT protecting me. I have deposited checks for much larger amounts and they did not have an additional 5 day hold put on them. I feel like I'm being targeted! I have not had any deposit I make into my account be returned. I begged the representative on the phone to please give me access to my funds, because I was in danger of being evicted and she had NO empathy. I understand that I am NOT valued as a customer and will start looking for other banking options as I'm sitting while I'm living in my car next week waiting for the my funds to be released.
Product: Credit card

My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.
Product: Credit reporting or other personal consumer reports

I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Product: Credit card

Card got behind the company closed the account and its marked charge off and they sent me a XXXX for my taxes.
Product: Credit reporting

I hired a company to address this issue but has not been able to rectify the issues. I sold my home in XXXX 2015. XXXX was paid in full and has sent me the documentation. The title company has confirmed with me the balance was paid in full. The bureau is stating it was legally paid for less than the amount owed. Each month it is reporting delinquency and my credit score goes down every month.
Product: Debt collection

I noticed on my latest credit report, a new credit line was created for National Credit Systems dated for XXXX of 2019. I never received any information regarding this debt, no phone calls, no emails, no postal mail. Upon finding out about the debt through my credit report. I called National Credit Systems, they claim my debt is from an apartment I stayed at over two years ago that I left at the end of my lease with no issue. That apartment is now under new management. The new management is what shows up as the company that reported the debt but they claim not to. The new management has no records of me even staying there and said they can't help me with the investigation. They gave me the number to previous management but they will not answer my calls or emails and I believe they are no longer in business. National Credit Systems will not give me full detail of this debt, they lied and said they'd send it to me but it's now been 3 weeks and I still haven't received any email or postage. I sent a formal letter to them and they have received the letter but have not responded. I want this fraudulent debt eliminated from my credit report, if they can't provide me details of the debt I'm not liable. I have never missed a payment in my life, all my legitimate debts are kept current every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my reports there is a closed account with huge amount of missed payments. BANK OF AMERICA XXXX Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BANK OF AMERICA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Mortgage

In XX/XX/2018 I had water damage to my home XXXX one year ago ). Chase holds the mortgage. The insurance company has paid out to repair the damage, but Chase refuses to release funds. I've now paid for much of my contractor, flooring, countertops, etc and Chase refuses to release funds. I'm approximately {$40000.00} out of pocket while Chase holds approximately {$150000.00} of my insurance money in escrow. 

I've uploaded every document they've asked for, many of the documents multiple times. Sometimes, like on XX/XX/XXXX, I was told a check was coming for {$75000.00}. Then an hour later someone called from Chase and said they needed one more thing XXXX a signed contractor agreement because they couldn't read the signature ). I instantly uploaded what they asked for. Today, I called them and the first person said they would be paying as they had everything they needed, but we got disconnected when I wanted to ask about timing. I called back, waited on hold, and the new person told me they needed that same document but now with two signatures. 

This same process has happened again and again, where they say money is coming XXXX and it doesn't ) and I call back and they say they need one more thing. On more than one occasion, they haven't accepted a document and I resend the exact same document which then they accept. 

I've asked at least 5 times to talk to a manager or have a supervisor call me, which they always say the manger is too busy or I'll get a call back in 24 hours, but I never get the call. I believe Chase is intentionally holding my money as long as possible and this has nothing to do with the repair process.
Product: Debt collection

I have never received any mail, email or anything about this debt and then in the past day, they reported this to my credit report. I had never received any notice.
Product: Debt collection

Please see attached ( also company and debt collector are reporting the same alleged debt at the same time which is a violation )
Product: Checking or savings account

I need to dispute 3 transaction for " merchandise not received ''. I tried to open this dispute trough the call center, but the wait time is crazy long and the hours of operations are really limited.

Transaction 1 : XX/XX/2XXXX XXXX  XXXX {$740.00} It was a XXXX XXXX speaker, must be delivered on XX/XX/XXXX Transaction 2 : XX/XX/20XXXX XXXX XXXX {$740.00} It was a XXXX XXXX speaker, must be delivered on XX/XX/XXXX Transaction 3 : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$850.00} It was a XXXX headphones, XXXX be delivered on XX/XX/XXXX All of these purchases were made on the store, but they don't have the warehouse at the same place so they will send the items by XXXX. They never sent the items, also they never provided any tracking or shipment information. I tried to contact them several times by email and phone but they never respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Consumer financial protection bureau. I called TransUnion on Saturday to tell them. To open my credit report in Monday XX/XX/2022. She then said ok. She put me on a brief hold and said. I am Opening up Your credit file Today. I said No. I want it to come on Monday XX/XX/XXXX. Then last Until the XXXX and close on that Date. She said No I am Opening your cr dir file Today. And I will close it On the XXXX. I was disappointed. She didn't do what I asked Her To do. As a Result. Three Creditors. Access My account and Ran a credit check. Now these People were Not Authorized to use My credit file. She deliberately set my file up to be Used this way. I did not want the file to be Open until today. It has been used Three times all ready and The One Company I wanted it For. He's Never gotten a chance to Use it Yet. She Opened my credit for fraudulent use of My files and I don't know who thes creditors Are?. I asked her not to Open it and She went ahead and Unfrozen my Account. Without My Permission. Pleas look into this matter and cite these people for this matter. She was wrong to do this to me. I Never asked her to Open my file that Early. She went ahead and done So anyway.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts I do not recognize are continued here. 
XXXX XXXX XXXX XXXX : {$4700.00} XXXX XXXX XXXX XXXX XXXX : {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters directly to the companies reporting the inaccurate information on my credit profile on XX/XX/21
Product: Credit card or prepaid card

In XX/XX/XXXX, I was gifted a Bank of America Prepaid Card ( {$100.00} ), but I never agreed to the terms set in their Cardholder Agreement. I would like a check for this full amount, since I will not accept the terms in said agreement. 

In Section 1. GENERAL INFORMATION, it states : " By accepting and using the card, you agree to be bound by this agreement. '' I never activated, signed, or used this specific card ; therefore, I am not bound by any terms in said agreement. 

I contacted Bank of America in XX/XX/XXXX, but they refused to compensate me, claiming the funds on the card hard expired. Instead, they issued me a new card with an available balance of {$0.00}. 

But by the language in their own agreement, I am not bound the terms, including specifically their unreasonably short horizon for card expiration and seizure of funds. Therefore I am seeking recompense for the original {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX  card opened on XX/XX/XXXX. which was closed around XX/XX/XXXX i believe the date was. To make a long story short XXXX had agreed to remove this card completely off my credit file. It is still showing on my closed accounts. I had called them early XXXX and a few other times in XXXX about this & they said on the phone each time it would be taken care of. I am currently looking at my credit report and still see it there. Which is why I am coming to you guys. I just want them to honor what they said and remove this from file. I have an attached screen shot of the account. Again all I am looking for is for XXXX to honor what they said they were going to do and remove this closed account from my file. Thank you
Product: Credit card or prepaid card

I made a request for a copy of my online application filled out online to get this credit card XX/XX/2018. 
I did not receive it. 
May I have a copy of my online application filled out online to get this credit card?
Product: Checking or savings account

On XXXX XXXX there was unauthorized transactions that was done on my account through online banking, XXXX from my credit card, XXXX from my checking account, an an XXXX XXXX XXXX XXXX  charge for XXXX. The XXXX. Was credited back along with the XXXX XXXX XXXX XXXX Charge but Wells Fargo refused to credit back the {$5200.00} charges although they knew it was fraudulent, they are saying I am responsible because my license was use, I have included a police report & the identity theft report as well to show this was fraudulent. I have had numerous phone calls along with branch appearances with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts I have filed many disputes and have called many times trying to get this fraudulent account and six fraudulent inquiries removed. And I have had nothing done. I also have the police report number. 

Accounts & inquires 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 Last reported XX/XX/XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos )
Product: Credit reporting or other personal consumer reports

Inaccurate information is contained on my Transunion, XXXX and XXXX credit reports. I have started a dispute with all companies and the inaccurate information has not been removed. The inaccurate information includes name, address, phone numbers and collection accounts.
Product: Checking or savings account

Apparently I received a XXXX file stating money charged to my account for some reason that I never authorized or ordered. Obviously a scam or plot to steal or forge my name and information usually I complain To FTC... I still receive these unusual emails... it appears they use XXXX as a cover up ... here 's the text copy : XXXX You sent a payment of {$390.00} USD to XX/XX/2022 XXXX XXXX XXXX. 
XXXX XXXX : XXXX Hello, You've received an invoice. This charge will appear on your bank statement as payment to XXXX " XXXX XXXX XXXX. 
Transaction Merchant : XXXX XXXX XXXX : XXXX Drder Status : Confirmed Summary of this Invoice : Sent to : XXXX XXXX XXXX. 
Invoice No : XXXX Amount : {$390.00} Date : XX/XX/2022 Invoice XXXX Please keep this receipt number for future reference. You'l need it if you contact customer service at XXXX. 
You have XXXX hours from the date of the transaction to open a dispute. 
For assistance Call XXXX ( XXXX ) XXXX XXXX Please do not reply to this email. 
This mailbox is not monitored and you will not receive a response. For Call XXXX ( XXXX ) XXXX XXXX
Product: Mortgage

I am filing a complaint against SLS Loan Services. They are making up numbers about my escrow account and refusing to take XXXX off my principle balance on my 73rd month of my Hamp loan modification. ( XXXX of 2019 ). I am willing to pay the XXXX shortage amount and the new monthly payment of XXXX I get no co-operation and they are trying to get me to go into forclosure. I am currently ahead on my house payments. ( paid thru XXXX ) SLS requires a minimum cushion of XXXX which I paid on XX/XX/2019. They are making up numbers and trying to confuse me on purpose. I have contacted them and the XXXX  many times without response.