23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

An account was open with Bank of America in XXXXXXXX I didnt have a social at the time I receive my social in XX/XX/XXXX thats when I first acquire a social XX/XX/XXXX once I got my social I open an account with XXXX XXXX XXXX to monitor my credit couple months later Bank of America is reporting that I have and credit card thats charging off late. I called them to dispute it. they didnt do anything. I did a dispute with XXXX as well nothing as well right now Im in the process of buying a house. I need this to be moved off my credit cause this is not mine And if this is not removed within two weeks, Im not gon na be able to close in my house.
Product: Credit reporting

XX/XX/XXXX I purchased a truck ( joint account ) from XXXX XXXX now XXXX. I purchased this vehicle for someone so it was never my primary truck. he never made good on it so the payments was always late. as far I can know, there has n't been any activity on this acct since XX/XX/XXXX. I 've ask both the CB and XXXX to provide me with a payment history so that we can correct and update the DOFD ( date of first delinquency ) to determine when the negative reporting would be removed. that date keeps changing, first it as XX/XX/XXXX, now its XX/XX/XXXX. XXXX reported that I made a payment on XX/XX/XXXX. I asked them to verify that payment, because they could n't they removed it but added other dates to assumed that I had activity on this account. XX/XX/XXXX they sold the acct to XXXX and they reported before I ever received mail of who they was. they are also reporting with the same info as XXXX as if this is a new account. im making a complaint to because I believe they are Re-aging my account to continue making negative reporting. as of today the DOFD ( date of first delinquency ) is XX/XX/XXXX which on the statement I provided to them is there maturity date. also they added a major delinquency date as of XX/XX/XXXX. not sure what that is but all this negative reporting has caused my report to look like I 've opened up a new acct and decreased my credit score again.. I would like for them to correct those dates and any points that have been removed be added back. I have worked hard to rebuild my credit In other areas and this has affected it again. I know that re-aging is illegal. the PDF file is the CB investigation and a statement from Santander of the late payments and the XX/XX/XXXX is there maturity date and not the DOFD ( date of first delinquency )
Product: Checking or savings account

On XX/XX/2023 I bought a Front bumper for my truck off XXXX and never received the delivery from XXXX somehow XXXX shows it was delivered and signed for by myself on XX/XX/2023 on XX/XX/XXXX i was not at my shop i have set proof of this to XXXX and they still said it shows i did so i filed with Chime have even sen tcamera footage of that day but still denined im out {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX You are required to do what I am requesting and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you.
Product: Debt collection

I keep getting false credit reports. This company has falsely said I owe them more than XXXX times. I disputed these claims and was absolved on every collection account.
Product: Credit reporting or other personal consumer reports

I am writing to follow up my dispute with certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.
Product: Bank account or service

SunTrust breached confidentiality laws and handed XXXX pages of my personal records to my to ex-husband. I have an open case with Suntrust. I received a letter today from Suntrust basically saying since the accounts were linked he had access to my personal information even without his name being on all the accounts.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XX/XX/2020 Capital One Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX VIA U.S.P.S. CERTIFIED MAIL/RETURN RECEIPT REQUESTED Re :  Request for auto loan relief due to COVID-19 ( coronavirus ) pandemic Account number : XXXX To Capital One Auto Finance, On XX/XX/2020, the World Health Organization designated COVID-19 as a pandemic. In a short period, in the US, over 6,223 cases and over 100 deaths have been reported. 
Many companies and schools have closed due to COVID-19 cases or exposures.

I have suffered a substantial loss of income related to COVID-19. Unfortunately, my loss of income will negatively affect my ability to timely pay my car payment in full. Please let me know if you will waive late fees and accept partial auto loan payments. 

I understand that your temporary acceptance does not waive your rights or remedies. Please know that I will not be able to make XX/XX/XXXX payment of {$570.00}, which includes late fees of {$140.00}. Please refrain from any negative credit reporting during this limited hardship period. It is my hope that I am able to supplement my income to get my payments current. In light of this, please do not proceed in any repossession actions due to any default. 

Thank you in advance for your attention to this matter. 


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

In accordance with the Fair Credit Report act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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.
Product: Mortgage

Hello, I would like to file a formal complaint against Celink, a reverse mortgage servicing company. This complaint is in reference to my XXXX loan that is serviced by Celink. 

The complaint is regarding servicing and business practices related to payment of my loan. I am an XXXX year old senior citizen, live alone, and my only income is social security. From XX/XX/2020 through XX/XX/2020, I was hospitalized in intensive care with life-threatening XXXXXXXX  and XXXX issues related to XXXX and XXXX. From XX/XX/2020 through XX/XX/2020, I was in a post-acute rehabilitation facility for recovery. I live alone, and was unable to pay most of my bills. My son assisted me. The only real problem creditor was Celink. 

During my hospitalization, Celink refused to communicate with my son regarding any aspect of my loan, because he allegedly was not listed on the account as a representative. However, he has spoken to people in the past from Celink. In addition, he has submitted paperwork to Celink for authorization. Because Celink said he was not authorized to speak on my behalf and Celink does not have an online portal, there was no way he could pay or discuss the loan status. In addition, I could not fill out my annual occupancy letter because it had to be filled out and signed by me. As a result of the pandemic and my health status, I was not in a position to complete the paperwork. Consequently, the language in Celink correspondence threatens loan default if payment and occupancy certificate are not completed. My son felt helpless and scared that my home would be foreclosed upon because of Celink 's intransigent attitude. 

Quite frankly, Celink is heartless. Although they have granted extensions on loan payback, generally they have not been helpful nor communicative in assisting me. In the past, I seem to get different answers to the same question. I have repeatedly requested online access so that my son could assist. There have been mail delivery issues in my community, so he wants online access to pay my bills, especially since I am not ambulatory and the mailbox is a distance away. 

I don't think it is right the way the way Celink has administered my HECM and I would like to request assistance from a regulatory agency to ensure I am not evicted onto the street. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF ED/XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

About a month ago, I filed a dispute with my credit card company Bank of America for charges from XXXX that I did not authorize or approve of. There were XXXX charges of {$500.00} each. My claim was denied and the letter I received stated it was denied because the merchant provided proof that I received the product or service that I paid for. There are XXXXwo issues with that. One, I never received any product or service from the merchant because again, I did not use my card with them and did not authorize the purchase. The second issue is that when I called my bank and asked them to see the proof, the representative who helped me said there was none. He said there was nothing that the merchant had sent in that showed that I received anything. They also couldn't even tell me which product ( I assume tickets since the merchant is XXXX ) it was that I supposedly received. I asked that the claim be reopened and escalated. They told me they would do so on Thursday. Not even XXXX hours later, on Saturday morning, I've already been told my claim was denied for the same reason. Once again, no proof of any product received. All I want is my {$1000.00} back. This is the first credit card claim I've ever had to and this process has been horrible. My credit card limit was also reduced significantly shortly after filing this dispute. It was my understanding that banks could not punish me in any way for filing a good faith dispute. Thanks in advance for your help.
Product: Prepaid card

My aXXXX XXXX have the Florida Empowerment Scholarship for Unique Abilities -- aka XXXX students. Step Up for Students, the scholarship administrator, teamed up with US Bank to assign us Focus cards to get reimbursements paid on. US Bank will charge all kinds of fees. There is no branch of US Bank in Florida. We did not ask for these cards -- they were opened without our permission. It is difficult to pack up and take XXXX children to ATMs and banks every time we need a reimbursement for an educational expense. XXXX XXXX, the Florida Marketing Manager for US Bank, bought his way onto the SUFS Board of Directors, and now we are being forced to use his bank 's cards. If I don't activate the card, then I can't get reimbursed for educational expenses I have already paid for. This seems really, really illegal and corrupt. Because you fined them last year, can you investigate our problems this year? Thank you!
Product: Credit card or prepaid card

A payment was collected for two months of service for the insurance of my appliances. Sears mastercard is claiming that they never received the payment. I showed them proof as they requested and now they are saying that is not enough. It shows the payment was taken out of my checking account twice, and I also spoke to representatives that told me that there was no problem with the account. Sears stated that for XXXX  2022 and XXXX  2022 the insurance hadn't been paid so on XXXX XXXX, XXXX I paid {$49.00} twice which shows in my statement from my checking account. I started receiving the statement that I was past due for those two months. I ended up owing XXXX  2022, and they wouldn't allow me to make the single payment because they were adding the past due amount, they claim I owe with the penalty amount. I sent proof twice of all my receipts and the first time they disregarded everything I mailed. The second letter stated they need proof where it shows the charge was showing in a matter of a bank statement. I sent that to them twice, and there still saying is not sufficient. There are nonstop phone calls to me from Sears and when I call into customer service, they don't want to hear anything.
Product: Mortgage

The information and narrative need to be more accurate. I want a legal, non-falsified debt validation that does not use the look-back method.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score with Equifax, drastically decreased ( over 100 points ) due to erroneous information on my credit report put on by equifax. Equifax has put the two following lines in my credit report that are negatively effecting my score ( below ). 
-You have too many delinquent or derogatory accounts -The total of your delinquent or derogatory account balances is too high I do not have any delinquent or derogatory accounts. I do not have any late payments either. I have disputed theses items twice with Equifax starting in XX/XX/2022. Each time they agree that I do not have any delinquent accounts promise to fix it in 30 days, but do not fix them or my credit report. 

I have attached the negative items written on my credit report from my login on the myequifax.com website, where I pull my report.
Product: Mortgage

Late XXXX 2016, I was inquiring with my lender - OCWEN how best to payoff the loan without any problems, since I was planning to do this by XXXX 2016. In addition, I inquired about the payoff amount ( {$38000.00} ). I mentioned by phone to my lender - OCWEN that I would be paying off the loan in XXXX 2016 and that I needed to hold off on paying that month, since it would throw-off the new lenders payoff calculations. My lender - OCWEN was aware that I was about to payoff the loan in full in XXXX 2016, but there was a delay with my new lender and I ended-up paying off the loan on XXXX XXXX, 2016. I did n't think it would be a problem on my credit, since I discussed this issue beforehand with my lenders support staff and they agreed by phone to that affect. I 've always been in good standing with my lender OCWEN, up to this point, where I was paying off the loan and they gave me wrong information in terms of my credit being compromised. My track record shows that I 've always paid on-time and that has never been a problem. I was planning to retire on XXXX XXXX, 2016 after 24 years of service to the military and I was refinancing this loan before getting out. My credit score before this issue was approx. XXXX. My score dropped XXXX points because of this error. As a retiree, this is a major issue and I addressed this issue to their Research Dept. with no success. BTW, there were recorded phone conversations about what we discussed. I hope you can have my lender retract this credit report error so as a retiree ... .I 'll have peace of mind.
Product: Checking or savings account

I saw a program " pave the wage '' advertised by moneylion bank in XX/XX/2019. I clicked the 'opt-in ' button on my phone and then it redirects me to a new page in my browser " XXXX XXXX XXXX ''. And I thought I'm all set but just not quite sure, thus I contacted the customer service and was told there is no way to tell whether I was enrolled successfully or not. So I just move forward and meet all the requirements posted there but unfortunately I haven't seen the open account bonus. Trying to contact the customer service couple of days ago, the response is they could not find my name on the list which means I'm not eligible for the bonus. It's kinda of a cheating, if they can not see my name on a 'list ', why they can not tell me the in the first place. Or it's just a glitch in their system. 

Attached documents show the details and terms of this program.
Product: Debt collection

I have disputed these charges and disputed these charges. they still will not take off the debt and most of the hospital bills are paid off in fact we are suing them for over payment.
Product: Credit reporting or other personal consumer reports

I am writing to address several concerning issues regarding the handling of my personal information as governed by various sections of the Fair Credit Reporting Act ( FCRA ) and related statutes.

Firstly, according to 15 USC 1681 section 602 ( a ) of the FCRA, it is imperative that consumer reporting agencies such as Equifax and XXXX conduct their operations with fairness, impartiality, and respect for consumers ' privacy rights. As a consumer, I am entitled to ensure that my private information remains secure, as reinforced by 15 USC 6801, which mandates financial institutions to uphold the privacy and confidentiality of customers ' nonpublic personal information.

Under 15 USC 1681 section 604 ( a ) ( 2 ), it is explicitly stated that consumer reporting agencies may only furnish consumer reports under circumstances outlined in written instructions from the consumer. I have not provided consent, neither written nor implied, for Equifax, or any furnisher of information to credit agencies to share my personal information.

Furthermore, according to 15 USC 6802 ( b ) ( c ), financial institutions are prohibited from disclosing nonpublic personal information to third parties without informing consumers of their right to opt out of such disclosure. I have not been properly informed of this right by the relevant financial institution.

Additionally, the reporting of adverse items of information, such as the account in question, without my consent violates 15 USC 1681C ( a ) ( 5 ), which restricts consumer reporting agencies from including such information in consumer reports.

Moreover, 15 U.S. Code 1681s2 ( a ) ( 1 ) prohibits the furnishing of inaccurate information to consumer reporting agencies, and Equifax and XXXX are failing to uphold reasonable procedures to prevent violations of the FCRA, as mandated by 15 U.S. Code 1681e.

Finally, under 12 CFR 1016.7, I am exercising my right to opt out of your reporting services effective immediately. 

In light of these violations and discrepancies, I expect immediate action to rectify the situation and ensure compliance with all relevant laws and regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit Bueuar is not holding up to regulations
Product: Credit reporting, credit repair services, or other personal consumer reports

The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Credit Bureuas failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the account XXXX XXXX
Product: Bank account or service

After moving money around between my various Suntrust accounts, I spent a lot of time trying to find the fee schedules for all my various accounts to make sure I did n't incur any service charges for low balances, etc.. I found there is no easy way to see the fee schedule for a specific account. There is a pdf online that shows the fees for the current products offered, but I have a bunch of older account types. I discovered that I had several {$15.00} charges on my money market account starting last XXXX because, while the current money market account being offered waives fees regardless of balance if an automatic checking transfer is in place, my older account did not. It 's hard for a consumer to avoid fees when Suntrust only publishes the fee schedules for the currently offered account types. I had to threaten to close all my accounts and move to another bank if those fees were n't refunded. A customer service rep refunded XXXX of the XXXX {$15.00} charges, but said that 's all they could do? I would like the other {$15.00} charge refunded as well. But, most of all, I would like Suntrust to simply make the fee schedule for each account type easily accessible so others do n't have to waste their time like I have. 

I see 2 possible solutions : 1 ) Make the fee schedule for each account easily accessible - even when those account types are no longer part of the current retail offering 2 ) Transition account types that are no longer offered automatically to new account types where the fee schedules are easily accessible. 

How is a customer supposed to know when their account type has become a legacy product and no longer important enough to offer an easily accessible fee schedule? 

BTW, how hard is it given the state of technology to give some sort of a warning to customers when they do something that is about to incur a fee ( with a link to the fee schedule for their specific account )? I get plenty of correspondence from Suntrust trying to sell me additional products and services. How about something I can actually use - like a notification that my balance has fallen below a certain level and I will be charged if nothing is done by a specific date.
Product: Vehicle loan or lease

I had an auto loan with Santander for my XXXX XXXX XXXX. I was involved in a car accident in late XXXX. I decided to purchase a new vehicle and the dealership that I was working with agreed to roll in the payment from the car that was totaled. As a result Santander was mailed a check for {$8700.00} on XX/XX/XXXX. My auto insurance advanced a payment of approx {$5400.00} to Santander as well because they were not aware that I had paid off the loan. This has resulted in an over payment. Santander posted the insurance payment before the payment from the dealership. They acknowledged the payment on their website on XX/XX/XXXX. I have contacted the company on 3 separate occasions to confirm that the payment that they acknowledged on XX/XX/XXXX is from the dealership. On every occasion they have said that they do not know where the check came from that they applied to the account. When communicating with this company today ( XX/XX/XXXX ) I was told that I would not receive my refund for over payment until approximately XX/XX/XXXX. When I asked what is causing the delay in receiving my funds they stated that there is a process and that is how long it will be. The will have had their funds for well over a month and there is still no clear indication of the dollar amount I will receive and really when it will be sent. I have reached out to them 2 times in writing and once by phone since this ordeal began. I am not getting answers or any information. I am not sure of what to do at this point.