23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Request for getting a Bonus Offer on XXXX Account. 

I am writing to address an issue regarding the bonus offer associated with my application for a XXXX  account at Santander Bank. On XX/XX/XXXX, I successfully had an application approved for a new XXXX Santander XXXX Checking account ( account ending in XXXX ). Adhering meticulously to the bonus offer requirements outlined by Santander Bank, including fulfillment the condition of having direct deposits totaling {$5000.00} or more ( I received a total of XXXX from payroll and IRS ), I eagerly anticipated the promised bonus offer of {$400.00}. However, despite my adherence to these stipulations, the bonus offer was not disbursed to me by XX/XX/XXXX. In an attempt to resolve this matter, I contacted the Santander Bank customer support service. I was informed that I was deemed ineligible due to the circumstances surrounding the addition of my name to another XXXX  account which was opened prior my individual account where I would expect the bonus. I confirmed that on XX/XX/XXXX I made a visit to the branch to add my name to my XXXX  account because XXXX of the checks she was trying to deposit had my name on it and she was advised to add my name to the account so that no problems would appear when clearing the check. I then explained that this addition is not interfering with the promotional offer including the condition that Offer is not available if any account owner is a current XXXX customer of Santander or had Santander Checking account in the last 12 months prior to account opening. So I met this condition because I did not have an account at the time I opened the individual. The addition of my name to account ending XXXX happened on XX/XX/XXXX weeks after I opened my account with promotional offer. The fact that I added my name to the account that already existed, doesnt make me a customer of Santander any time earlier than I opened my individual account ( ending in XXXX ) on XX/XX/XXXX. Despite my earnest efforts, subsequent attempts to speak to customer representatives yielded no resolution, as I was unable to meet with a higher representative who could address my concerns. In light of the aforementioned circumstances, I kindly request a thorough review of my eligibility for the bonus offer associated with my XXXX account. Attached for your reference are the bonus offer requirements as outlined on the Santander Bank XXXX. Attached my XXXX statement for account ending XXXX XXXX period XXXX and XXXX period XXXX that shows only her name on the first statement and proves that I wasnt a Santander customer before XX/XX/XXXX and the day my name was added to account that existed earlier happened on XX/XX/XXXX. I trust that this matter will be addressed promptly and with due consideration. Your understanding and assistance in resolving this issue would be greatly appreciated. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number 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. 15 U.S. Code 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 15 U.S. Code 1681b Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX  XXXX Balance : {$440.00} XXXX XXXX Balance : {$6800.00} XXXX  XXXX Balance : {$30.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$30.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$30.00}
Product: Credit reporting

This is AGAIN, a blanket complaint of all XXXX bureaus! 
Some information that I requested to be removed or corrected has been done. However, the responses regarding the INQUIRIES that I asked to be removed - what a JOKE! 
I did NOT AUTHORIZE OR ALLOW the creditors listed within those inquiries, to pull my credit! PERIOD - therefore, those are FRAUDULENT AND UNAUTHORIZED!! 

So, why am I being told that I NEED TO CONTACT EACH CREDITOR to have them remove the inquiry? WHO IS IN CHARGE OF MY FINANCIAL CREDIT REPORT? You, the credit bureau ( crook ), are collecting my financial data, so therefore, it is YOUR JOB to remove, add or correct MY INFORMATION. Period, end of discussion! 

Now, this is my last request, REMOVE ALL INQUIRIES ON MY CREDIT REPORT BETWEEN THE TIMEFRAME OF XX/XX/XXXX TO XX/XX/XXXX. I am going to seek an attorney, if all inquiries are not deleted, and a new report with scores, is not sent within 15 business days from today. 

CFPB, do YOUR job and assist me with this, as this has been going on since XX/XX/XXXX. 
I await your responses... 
I NEVER AUTHORIZED OR ALLOWED ANY OF THOSE CREDITORS TO RUN MY CREDIT, AND I WILL NOT DO YOUR JOB FOR YOU. YOU WORK FOR ME, THE CONSUMER, AND THEREFORE YOU ARE LIABLE FOR THE ACCURATE INFORMATION ON MY REPORT. GET IT DONE, GET IT RIGHT. I AM TIRED OF SENDING THESE COMPLAINTS!!
Product: Mortgage

I had a modification and I signed in XX/XX/XXXX. I had made a complaint before that they were reporting me late and they had put a note on my mortgage. When I spoke with them on a recorded line, In XX/XX/XXXX, the lady said it would in no way effect my report. I called the mortgage company. Nationstar Mortgage dba Mr. Cooper and they listened to the tapes and confirmed she said this and they would put it in dispute with the credit reporting department and they refused to remove it. I made a complaint to you, CFPB and it was removed finally. 
Now they have put the note back on the credit report and they have not reported my mortgage as paid on time for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I feel like they are doing this to harm my credit. 

When I first started the modification they said I couldn't get it because I wasn't behind on my bills. But they did offer to do a refinance for me. They wouldn't even transfer me to the modification department. I finally got through to them and they said I wasn't a candidate. I had to call Hud department and they helped. Even during this process they kept saying they didn't get my paperwork and would deny me. XXXX from Hud had to send in the paperwork for them to acknowledge it. Finally I got it and I haven't been late. I was never late I was just in " imminent danger '' of going into foreclosure an that is how I got the mortgage. 

I am asking the remove the negative comment and they start reporting all my payments every month in the past and continuing in the future. I know they report but they are doing this as a punishment. It does effect my score because it would help my credit if they reported it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, after I review my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple addresses that did not belong to me, So, On XX/XX/XXXX, I submitted documents to the Credit Bureaus requesting to update my address and remove all other addresses that did not belong to me, unfortunately, after 45 days I review my updated credit report and noticed that EXPERIAN did not remove the inaccurate addresses, so I am now, taking the extra step, because I really need these addresses off of my credit report.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 



My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX California XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 



Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 



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

I am writing to formally request the deletion of all negative accounts reported on my credit score at Equifax. I believe these entries have been made in violation of my rights under the Fair Credit Reporting Act, particularly 15 USC 1681 ( o ), which addresses civil liability for negligent noncompliance.

As a consumer, I understand my rights to a fair and accurate credit report. If these negative entries have been reported inaccurately or without the necessary due diligence, I request your assistance in addressing this matter which is affecting my Credit Score and all personal Financial activities previously have with my Mortgage Bank ( XXXXXXXX XXXX XXXX  ) and Home Equity Credit line I having use with XXXX XXXX  XXXX. I made this dispute through them but it was unsuccess and this item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

Please find attached below the pertinent details regarding my accounts : Full Name : XXXX XXXX XXXX XXXX Social Security Number : ( XXXX ) Date of Birth : XX/XX/XXXX Addresses : XXXX XXXX XXXX Place Pembroke XXXX XXXX Fl XXXX Zip XXXX Specific Accounts in Dispute : After tried several ways to get out of that tramp and paid different Law firms that also took my money and not success. Finally I called them directly with the intention to return the DEED to XXXX and they told me at that that that it could manage if the same appear as totally Paid ( Original Balance of US {$38000.00} - Account Opened : XX/XX/XXXX ) and I paid it off : XX/XX/XXXX. I did it as explained before but at the end they reported to the Credit Business Bureau as ( FORFEIT OF DEED IN LIEU OF FORECLOSURE FIXED RATE ) I appreciate your attention to this matter and look forward to a prompt resolution. If you require any additional information or documentation, please do not hesitate to contact me. 

Thank you for your assistance. 
XXXX XXXX XXXX XXXX : XXXX
Product: Student loan

I took a XXXX loan originally with Sallie Mae in 1996 for XXXX. The loans were XXXX XXXX  and Sallie Mae was assigned to service the loan. After my 6 mo deferment ended, I was contacted by a representative who advised me that I had several loans and she recommended that she " make things easier '', by offering 1 payment. I agreed without knowing what she was referring to was a loan consolidation that locked me into an 8 % interest rate and precluded me from moving my loans to another servicer that offered a better rate. I started receiving regular calls from the loan servicer recommending deferment, and frankly, it was an easy option without regard for the compounding of interest or the consequences. They would call before the deferment period would end and offer the option. It was like clockwork on their part. Sallie Mae was purchased by Navient and subsequently, my loans were assumed by another servicer. At this time, I was watching my yearly statements increase the balance on my loans. I had inquired about getting a lower rate, moving the loans, or payment options. Again, I was told " it wasn't an option, because I consolidated my loans. It was suggested that I deffer for 6mo and " see what my situation is at that time. '' This cycle of calling to deffer was like clockwork and I began to see my balance increase. I called Navient in a panic and the only option was deferment or payoff. I started and stopped payments so many times from the increasing payments. When Navient took over, I started making my student loan payments online, and Navient would take up to 3-4 days to post payments after they were made and charge huge late fees. This happened over and over. I called to change the payment due date and it was recommended I defer my payments. This became a game of " cat and mouse. '' Just recently, I have been making 440+ payments for the last 6 years, never missing, or late fees. When COVID forbearance when into effect, my loans were put into forbearance without intrest accrual or so we thought. We later found out that Navient had put my loans into automatic forebarrance without knowing and interest had accrued, my 6yr consecutive payment history was earased, and I was assessed late fees. When I contacted Navient and questioned WHY I wasn't eligible for forbearance, I was told that although I did in fact have Dept of Education loans they weren't the administrator of the loans back in 1996, Sallie Mae was, therefore I did not qualify. This was after the fact, despite calling Navient and being told Stafford Loans WERE eligible. Throughout the years I inquired about - Public Service Forgiveness ( teacher and non-profit ), I was told that I was not able to participate, refinance from 8 % told I was not eligible, I believe bogus late fees were added and payment history was misappropriated through the years and not in my favor. My initial loan was XXXX and I will have paid over 100K + by the time this company keeps me trapped and broke. Navient now would like to offer me a 3.99 % rate to all of a sudden have the option to re-finance with them. I feel they are trying to swindle me once again.
Product: Checking or savings account

So I had a Truist account that has now been closed due to a check transaction not made by me and have called Truist over multiple time in regards to this transaction and now i currently cant open up any account due to this mistake made by them Im currently in a rough spot not knowing how Im going to get my paychecks for future dates to come
Product: Credit reporting or other personal consumer reports

The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # 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 an 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please have these accounts corrected : XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

I recently checked my credit report through XXXX XXXX and noticed a Derogatory mark on XXXX. Also my credit scores dropped XXXX points. 

The collection agency is I C System ( {$160.00} balance ) and Original creditor is XXXX XXXX XXXX ( Opened XXXX XXXX, 2017 ) I have never opened any account with any of the companies owned by XXXX XXXX, such as XXXX XXXX or XXXX. 

This is obviously a case of identity theft or gross negligence on the part of I C Systems, who have erroneously misidentified me as the holder of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a credit monitoring alert from XXXXXXXX XXXX that, there were inquires made on my credit report. Upon checking my credit report, there were 3 credit card related inquires made. I called the banks that were involved to have those cards/accounts disabled. The credit bureau informed me that a formal complain is needed to have those queries removed from my credit report. 

These were the inquires made : XXXX XXXX XXXXXXXX XXXX Experian XXXX XXXX XXXX  - Experian XXXX XXXX XXXX  XXXX XXXX
Product: Mortgage

I have been a customer of Wells Fargo Mortgage for 13 years. I have had an adjustable mortgage since 2006. I noticed this week that my payments of XXXX every two weeks was not properly being calculated correctly for interest and principal. I just noticed that I haven't received and documentation on this matter, since I was on a debit transaction from Wells Fargo from my bank account. every two weeks. My complaint is that when I checked my credit payment history I had paid down only a small amount of principal. If I paid XXXX monthly which is XXXX monthly I only saw XXXX in principal drop. That meant I paid XXXX a month in interest. When I spoke to the corporate office they explained, I should have told them to put the additional money towards principal. Which I didn't know to do. From what I understand, The amount to pay every two weeks was {$1800.00} I sent XXXX for 13 years and 2 months a year was three payments. All of these payments were not correctly applied to the loan. I feel this loan was dishonest and not communicated to me correctly, Thank you, I would have refinanced if I knew of there actions.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I submitted a bank transfer of XXXX USD to be transferred to someones personal account in XXXX XXXX and converted to XXXXXXXX XXXX via Remitly. The expected date they provided was XX/XX/year>. Money was not transfered as of XX/XX/XXXX, so I reached out to Remitly support. They did not provide why it was delayed nor a new estimate. Only that someone would call me in 3 days. On XX/XX/XXXX, they called again. They still could not provide why it was delayed nor a new estimate. Only that they would call again in 3 days.
Product: Credit reporting

Received notice from IRS of a tax notice. Upon making payment, XXXX/XXXX/2010, there was a tax lien file. Unable to get an explanation from IRS and Experian as to why tax lien was filed on same day as payment.
Product: Student loan

I am one of the many who had to opt into an income based repayment plan. After much research and after finally being in a decent situation where i could afford the monthly payments i began it. I was told by the rep that if i paid XXXX a month i would start to see a reduction in my overall balance. It turns out that wasnt the case and instead of my total balance being deducted even by a dollar after each payment my debt only kept increasing. I then decided maybe if i paid more ( XXXX ) it would be enough to tackle the 6.125 % interest rate they have on both loans. As of now my debt is increasing and remains somewhere in XXXX even though i only make XXXX before taxes yearly. I think they purposely do this so i can pay them out the 16 years that are needed for loan forgiveness. Please help, even if there is no foul play with my account, at least for self educational purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a home and I noticed multiple occurrences of incorrect information on my credit report. My report shows incorrect name variations and other identifying information.
Product: Checking or savings account

On XXXX/XXXX/25, as XXXX of XXXX XXXX  I set up an XXXX account, provided death certificate and letters testametary and instructed that funds in his frozen account be transferred to the XXXX account. The bank failed to transmit the documents to their XXXX department. I went to the bank again provided the documents again and nothing has happened. I called the XXXX department 4 days ago and was told someone would contact me in 24 to 48 hours. No one has called. No one seems to be able or willing to help. Its been 18 days since I requested the transfer.