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

I opened a Checking and Savings account with Santander bank in the beginning of XX/XX/2016. I ordered several books of checks through the bank for {$17.00} when I opened the account. About a week later I got materials from the bank associated with my new accounts in the mail : a welcome package, a debit card, and the books of checks. They misprinted my name on all of these documents by including my name 's suffix before, not after, my last name. For example, XXXX XXXX XXXX instead of XXXX XXXX XXXX . 

I could not use the checks I received because they did not legally have my name on them. I emailed Santander about the misprinted checks. After a few days of no answer I bought checks from a third party. A few days later they replied : " You may return a box of checks that you ordered through Santander Bank to any conveniently located branch. If all of the checks are unused, you will receive a full refund of the amount you paid towards the cost of the checks. '' I had already called Santander 's customer service department and talked with them a representative who fixed my name in their system and sent me a new debit card which had my correct name. So the only thing left to do was return the checks to my local branch which I did. I handed over the checks and talked with one of the employees about my {$17.00} refund who said that he would talk with the representative who opened my account and get me my refund. 

After a few weeks of not seeing a refund in my account I emailed the representative who opened my account, no response. I emailed again few months later and no response. I still have n't been reimbursed for my checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Please check this account because its not mine. I have no idea why it appeared in my credit report probably identity theft or error in reporting anyway check it please and remove. thanks
Product: Mortgage

For my residence of XXXX XXXX XXXX, XXXX, California XXXX I am completely current on my mortgage payments to date. however, my taxes and insurance escrow payments keep getting misapplied to forward paid mortgage payments thereby putting me about 1 year behind on my property taxes. the current mortgage, SPS financial, is doing this in order to adjust their portfolio and make it more attractive to investors. My concern is that there was will raise my mortgage payment in FY 2021. I need the cfpb 's help in resolving this issue to make sure that my monthly payments are applied appropriately to principal interest taxes and insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX  XXXX XXXX XXXX  : {$2000.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX XXXX  : {$6400.00} XXXXXXXX XXXX  XXXX XXXX : {$5500.00}
Product: Mortgage

I am blocked on line with rp Funding to make a payment. My chime bank does not give checks or online bill pay. I was approved for XXXX. A supervisor from rp FundinXXXX approved all fees to be waved while XXXX is making partial payments for me. I call to make payments I was told several times after calling 13 times to make {$110.00} payment they won't wave the fee of XXXX. I don't have XXXX and have no vehicle. I am a XXXX XXXX  and I am be I ng penalized because of it. They don't care that a supervisor XXXX XXXX has approved the over the payment fee be waived until XX/XX/2023 when I get off XXXX
Product: Credit reporting or other personal consumer reports

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. 

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 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.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and XXXX they havent done a investigation with any dispute Ive made in the past, Ive reached out many of times
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant 15 USC 1681b ( 2 ) - permissible purposes of a consumer report, I never gave any consumer reporting agency any written consent to report XXXX XXXX or XXXX XXXX on my consumer report. No consent is identity theft. Both XXXX and Equifax are in violation of my consumer rights according to the FCRA.
Product: Student loan

I have applied several times for the PSLF loan discharge program for my federal loans serviced by XXXX. My employer qualifies- and I have been making payment since 2004. The original denial was because I was not on an income sensitive repayment plan - however, with the recent Executive Order, I was instructed to transfer my loans to FedLoan Servicing. I transferred my loans from Navient to FedLoan - and now am being told that I have only made 4 qualifying payments and they are not counting the 204 payments that I have made to XXXX. The guidance issued after President Biden 's order was that borrowers needed to transfer their loans to FedLoan to be considered for the PSLF program. 

This is absolutely unacceptable - as is the fact that XXXX locked me in for 6 % interest for the life of my loan and I was told that they would not sell the loan to another financer. Yet another hurdle in dealing with the predatory practiced of student loan companies that service loans for individuals like myself that would not have been able to attend college without federal assistance. I borrowed {$45000.00} and by the time I finish payments- I will have paid back {$99000.00} in hindsight, I should never have accepted the federal aid. I have already paid back {$72000.00}. This is beyond predatory - and these loan forgiveness programs seem to allow the federal loan servicing companies to skirt around forgiving these loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my updated report from the first dispute on the validity of an account i sent, i see that the inaccuracy is still listed on my account. This account is violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that Equifax discloses to me all of the documents that they have recorded and retained in their file at the time of this request concerning the account that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that they have in their files that were used to verify them.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if they are unable to provide me with a copy of the verifiable proof that they have on file for the account listed within 30 days of receipt of this letter then they must remove these accounts from my credit report.

They said that they have reinvestigated the accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).
Product: Credit reporting

Transunion Credit Reporting Agency has received from XXXX XXXX XXXX XXXX on my XXXX XXXX XXXX was submitted paid-off XXXX of 2015, my account number for this Vehicle Loan, loan number XXXX .... XXXX XXXX XXXX XXXX has reported this Vehicle loan paid off for several months, but Transunion 's efforts of attempting to compromise and prejudice my CREDIT SCORE as an XXXX XXXX XXXX Consumer, Retiree, Author, Activist, Advocate, XXXX Veteran, " Fighter for Justice for XXXX XXXX ''! As an Federal Agency, would CFPB instruct Transunion in showing my loan number XXXX .... with XXXX XXXX XXXX XXXX as PAID-OFF. Also inform Transunion of my goal of making them pay for continuous Races and Discriminatory Practices against my XXXX credit file in Federal District court in XXXX , GA as soon as the VA release my Retroactive entitlements citing nearly a XXXX dollars. Lastly, Transunion if you want to play, let 's play, but at the end, liabilities will be resolve, {$10000000.00} for XXXX with my Credit Report, DO YOU GET IT! Again the balance of {$26000.00} auto loan with XXXX XXXX XXXX XXXX was PAID-OFF XXXX of XXXX 2015 and reported by XXXX XXXX XXXX XXXX as Transunion is very much aware. I spoke with XXXX, and XXXX with XXXX XXXX XXXX XXXX in their reporting department statement is that they 've reported this vehicle as XXXX being paid off in there XXXX 's transmission to the XXXX bureaus. TRANSUNION I 'M GOING TO SUE YOU XXXX. Stop with the RACISM! Leave my credit file along, I 'll show you folks, ( TRANSUNION ) in Federal court, I see what you XXXX folks are attempting, and notice I said attempting. CFPB, thanks for going after these crooks TRANSUNION. I WILL KEEP FIGHTING FOR JUSTICE FOR XXXX XXXX AS CONSUMERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed on my XXXX, Equifax and XXXX XXXX credit report are fraudulent, unauthorized and not my accounts : XXXX, {$14000.00}, XXXX XXXX  XXXX XXXX XXXX, {$5000.00}, XXXX XXXX   XXXX XXXX, {$30000.00}, XXXX, {$3400.00}, XXXX XXXX XXXX, {$500.00} and XXXX XXXX/XXXX XXXX   XXXX, {$1800.00}. I been receiving harassing and threatening telephone calls at XXXX XXXX and XXXX XXXX  of profane and abusive language from the listed creditors regarding a debt I dont owe the creditors for, because the accounts are fraudulent and not my accounts.
Product: Credit card

XXXX XXXX My name is XXXX XXXX owner of XXXX  and XXXX XXXX XXXX XXXX, XXXX Florida Im reporting Exquifax commercial Solutions XXXX XXXX XXXX, XXXX GA XXXX for inaccurate information Referring to Commercial credit card number XXXX, account inaccurate On Equifax complaint response dared XX/XX/2024, the disputed item, account number XXXX Not on my credit file, Equifax is inaccurate Exquifax claimed NON REPORTING DISPUTES Trade : XXXX XXXX XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. We hope this resolves your concerns, see attached Equifax response Equifax inaccurate information, on account number XXXX. 
As per Equifax Commercial account number XXXX, on my credit file as per email dated XX/XX/2024 See attached This is inaccuracy on my credit file affecting my company I hereby request Equifax to delete account number XXXX, immediately without delay and to send me detailed letter of account number XXXX, deleted from my Commercial credit file Please do not delay this is affecting my company Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CRA, XXXX XXXX and Transunion ... See attachments because This is driving me crazy. I've been wanting to have these items deleted ASAP so here -- I have included further information regarding the inaccuracies on these items and why exactly they should be rectified or alternatively removed from my credit report. I expect and demand that these errors be remedied at once, if you are not able to fulfill this then I ask that you furnish the full responses from the creditors as well as their full contact information like full legal name, accurate mailing address, as well as an accurate telephone number so I may address these issues directly with them.

Im little perplexed and shocked that these accounts below is still reporting falsely into my credit report which as dramatically affecting my credit score and my ability to finance a house for my family at this point. Especially during this pandemic of COVID19, Im finding it really hard to get any finance with these alleged delinquencies into my credit.

Honestly, there is no way that you conducted a reasonable investigation from my previous several disputes and challenged, because its still reporting incomplete, misleading, multiple inaccuracies and inconsistencies with reporting. Its my understanding after talking to your representatives and talking to a friend lawyer that once a CHARGE-OFF account is closed, it shouldnt report any more C/O status or 30/60/90+ days late on payment history. Cmon, how come there are different dates of last active, last payment, 1st dates of delinquencies, inconsistencies on my credit report if you get the information from the SAME FURNITURE. Therefore, these accounts are not in compliant with the consumer laws, and I demand an immediate deletions from my credit report. Please send me a new credit report showing the deletions. You are illegally causing this account to re-aged, which its adversely affecting my score. DELETE NOW!!! 

XXXX XXXX I paid off this account months ago, but you continue to report incomplete and erroneous information such as balance and payment status. 

****I PAID OFF THESE ACCOUNTS AND I WAS PROMISED BY THE CREDITORS THAT IT WOULDVE BEEN DELETED, AND IVE CALLED SEVERAL TIMES CONFIRMING THAT THEY WILL SUBMIT A NEW TICKET OR DISPUTE TO GET THEM DELETED, - PLUS ITS REPORTING MISLEADING AND INCOMPLETE INFO, AND THEREFORE ITS NOT VERIFIABLE AND NOT IN COMPLIANT! 

XXXX # XXXX - delete now!!! 
XXXX # XXXX XXXXXXX - delete now!!! 
XXXX # XXXX delete now!!! 
XXXX # XXXX XXXXXXX- delete now!!! 
XXXX XXXX XXXX # XXXX delete now!!!
Product: Vehicle loan or lease

Westlake has violated by invading privacy on alleged obligation XX/XX/22 left a letter for occupants not verifying abode, violated telephone consumer protection act, threatening and abusive tactics against consumer, calling XXXX or 4 times DAILY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not late on XX/XX/19. The information related to the late payment is incorrect. Please correct them on my history file otherwise remove it from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I used and referred to my co-worker. They said he needed a co-signer. Then, they said he was good. I never signed anything. XXXX XXXX  people, XXXX and XXXX, signed my paperwork for my Panels. They signed my name as co-signer. I only realized cause my co-worker had problems with Panels and XXXX XXXX didn't fix it. So he stopped paying. That's when I get a notification that it's on my report. Co-worker currently has lawyer going after them and loanpal aka Goodleap. The loan company is now calling and emailing me to pay balance. I told them what happened and they are still coming at me. I just got email offer to pay {$52000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

Furthermore, this company DID NOT AND CAN NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit card or prepaid card

A payment was made on XXXX XXXX by a friend they paid off the full balance XXXX the payment went through my credit was available. Capital One approved the amount. I started using my credit card. On XX/XX/XXXX the payment was return I called my bank and they stated the person called their bank and cancel the payment saying it was fraud. The person made the payment by themselves they shouldnt be able to call and says its fraud if they were the one that made the payment so now my balance is over its limit XXXX and other pending charges keep going out. I try contacting the person they not responding. I didnt call their bank I have a XXXX job. This person made the payment themselves with their own account. I dont have access to their account. They are closing my account but said I need to pay the balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy with Experian. They claimed to have verified it though XXXX XXXX. They will not tell me any more information on it. I asked them if they verified it though the courts directly and not a XXXX party. They said no. I then proceeded to ask them to delete this or verify it directly through the courts and they said they dont do that. There for it is illigal to keep this on my report and most be removed but they said that's not how it works. According the FCRA, this can not be verified by a XXXX party and must be directly from the courts. This needs to be removed. They did not conduct a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used LexingtonLaw for years and wasnt aware of what they was doing was wrong and only took more money out my pocket
Product: Credit reporting or other personal consumer reports

I am looking at my credit report and I see that Equifax is reporting a closed account with XXXX. I have never opened a charge card with XXXX. 

I order from XXXX  with my debit card or a 3rd party lease and I see they have orders from a XXXX card and addresses that are not mine. Equifax is also reporting the same addresses. 

Customer service told me to file a report with the FTC to have it removed. 

Also, Equifax says the account is charged off. If that's the case, XXXX was supposed to send me a 1099. I never received that. 

However, I have received debt collection calls about this and my family has as well recently and it's tied to an address that is not mine. That is harassment.
Product: Debt collection

I had XXXX  services by XXXX ( XXXX, VA ) on XX/XX/XXXX based on a Pre-Estimate approved by my XXXX   insurance XXXX, where it explains that per my plan, the insurance will pay {$550.00} and that my responsibility was {$290.00}, which I paid on the day of the services. However, there was an issue in regards to the XXXX office being an in-network provider, so XXXX put my account on collections with Capital Accounts, XXXX. XXXX XXXX, XXXX, TN XXXX, for {$720.00}. Eventually, after my many complaints with the Wisconsin and Virginia Health Commissions and the XXXX XXXX XXXX, my insurance company, XXXX, sent me a letter stating that it had made a mistake and that the XXXX provider was, indeed, and in-network provider. Furthermore, the insurance company confirmed that it release the payment to the XXXX office on XX/XX/XXXX and that XXXX said that they would remove my account from collections once they have received they payment, which they already did on XX/XX/XXXX. 
After my insurance 's clarification, I expected that my account would be removed from collections, but it has not since even today, XX/XX/XXXX, I received another collections bill.
Product: Checking or savings account

To whom it may concern the services XXXX provided included a posting of a hotel in XXXX, M.D. and when using XXXX maps to navigate my way to the hotel it did not exist anywhere in sight near the townhouse with the same address that was provided from XXXX 's website. 

So because it was XXXX XXXX XXXX XXXX and I happened to waste my last hope on XXXX 's website I had no choice but to stay in the hospital to get out of the cold so I can get some rest to think clearly. 

I am not from this area and will never again rely on XXXX to book any hotel for me again. 

My bank seems to love you. I sent proof I didn't stay in a hotel but a hospital and they chose to pay you all anyway. 

XXXX XXXX XXXX. Either this outright fraud or their is a security issue that is preventing the correct images of the hotel from being displayed at the time of reservation. Not to mention the charge happening and being disputed within an hour only to be blindsided with conflicting reservation dates. 

I have sent documents to the bank by mail and uploaded them online. 

I emailed XXXX with all the information in this claim and the case was ignored because there was no verbal response. Now it has to be re-opened! 

I called the bank and the hotel too many times with little impact to resolve this issue. When ample documentation is presented and my request for documentation is ignored it's clear who has the power to rectify this issue. 

Consequently, Chase is siding with XXXX I guess being unemployed means you don't have a right to keep a bank account open!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send in several letters and filed complaints that seem to be ignored by the credit bureau. I REQUEST TO make justifiable corrections or removals of unverifiable or invalid allegations of account information so to meet federal reporting standards of completeness of the current reporting status, timeliness, truth, accuracy, and compliance else wise of every single one even each any and or of the aspects of alleged account information documentary to be proven mine so to further enhance your adequate and mandated compliance to proper and fair reporting for the following account : 1.XXXX Collect
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX through XXXX, I've tried as well as the company I hired XXXX XXXX XXXX XXXX to have car loanof XXXX XXXX XXXX removed off my transunion credit report.