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

My husband is XXXX XXXXXXXX XXXX and we have XXXX protections for our auto loan XXXX Santander Consumer USA. Part of these protections include being able to surrender the vehicle without penalty, which is what we are trying to do. We requested the paperwork to start this process XXXX separate times already. The first month we started the process and received the documents, we found some troubling verbiage within the first paragraph that states that by signing, I voluntarily and knowingly waive any and all of my rights and protections under the XXXX as it relates to the Vehicle, the XXXX and my account-this sentence was copy and pasted from the document. 

We then met with a XXXX on the military base that we live on on XX/XX/2024, and they informed us that under Title XXXX subsection XXXX of the SCRA that I can waive my rights if I would like to but do not have to. This document is not giving us a choice in the matter and is saying that we have to by signing it. This is in clear violation of and a manipulation of rights under this XXXX. 

We then tried contacting Santander multiple times about this with XXXX success. It wasn't until the XXXX  day window lapsed that someone from the XXXX department named XXXX contacted me to collect a debt. I asked him about this verbiage and if we could remove it and he said no, but that I would still be protected. This is not what the document says. I had to then redo the surrender process and again. Before XXXX and I got off the phone, he told me that the number he called from is his cell and that I could call any time if I had any other concerns ( XXXX ). I took up this offer and called a total of 5 times over the span of XXXX weeks and left voicemails. He is apparently very busy as it has been XXXX weeks and I still haven't heard from him to help resolve this matter. I have also sent several emails and called and have not received an answer on this. I tried calling again today and finally got in touch with someone from the XXXX department. I voiced my concern yet again and asked that they remove this verbiage. the operator put me on hold and spoke with someone from management and they said they could not remove this verbiage but assured me I was protected. Again, I repeated that this is not what it says on the document. The operator said again that they could not remove this. I then asked if they could put in writing that I am still protected like she said I would be, and she said that she could not. However, it still remains that I am not protected by signing this document, but it was verbally assured to me that I would be. This is a frustrating conundrum that needs to be handled from a higher authority than what I can muster it seems. 

Additionally, Santander was sued XXXX separate times int he span of XXXX years for violating XXXX rights and it appears they are trying to be sly about taking advantage of service members a yet gain. I am beyond frustrated and just want to surrender my vehicle without surrendering all my SCRA rights as the document states I would have to do by signing. Some sort of legal action needs to be taken against them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Equifax sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. 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 update and correct my accounts right away. 

XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of a natural disaster Hurricane Ian in Florida, my home was torn down and we were forced to vacate and live out of a hotel almost for months. The creditors were advised of happened and the situation about my home. They have been working with me up until recently. I advised once my insurance claim is taken care of since I have had to pay everything out of pocket everything will be paid. No problem. But all the creditors have reported my accounts as charge offs and not as Natural Disasters as that would not affect me like they have it reporting and I have disputed over and over, with the creditors and agencies, I have sent all the required documents in the mail as stated. They confirmed receipt of everything including the court information related to the Hurricane. I am asking that they fix my reports so that the charge off and reflect them to show as Natural Disaster since they have the code due to delinquent of Natural Disaster where it won't affect me. This has been an ongoing situation, since they started reporting me back in XXXX  while I was living out of a hotel. And spending hours a day dealing with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  ( All Banks - non specific ), Inquiry date : XX/XX/2019 - This inquiry does not belong to me
Product: Mortgage

Since the purchase of my house throughout the tears I have been switched mortgagers several times. My newest one is Nationstar, recently through filing an insurance claim due to a hailstorm I found out that the previous insurance company I had always been insured with had been dropped because it had not been paid. Money for them was set on escrow and so they should have been paid. Bc of the drop I was assigned another company which is completely expensive. 
My claim is geared towards Nationstar for not paying XXXX XXXX XXXX and therefore getting me dropped from their service. The money was there. I will not accept this change due to the irresponsibility of a company that should be taking care of me! But of course, is very punctual when it comes to requests of getting paid.
Product: Credit card or prepaid card

to date in 2019 two {$33.00} late fees with interest {$190.00} in interest they are demanding my next payment include the interest when began the billing cycle with no balance {$260.00} stolen by Citibank
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX AND EXPERIAN ARE FALSELY REPORTING THIS AUTO LOAN AS OPEN, THIS ACCOUNT PAID IN FULL/SETTLEMENT, CLOSED AND TRANSFER TO XXXX. 

UPDATE OR DELETE FROM ALL REPORTS OR BE SUED SEE ATTACHED LAW SUIT.
Product: Credit card or prepaid card

On XX/XX/2021, I purchased a XXXX {$4200.00} flight ticket with the intention to utilize the XXXX Chase XXXX offer of {$0.00} plan fees and no interest on travel purchases. The offer ended XX/XX/2021. Thankfully, XXXX transaction posted to my account by XXXX XXXX but I was unable to apply the offer and create a plan which was odd since its a travel purchase. I immediately contacted Chase customer service and was told some purchases are not eligible for the offer even though I could apply the offer to other travel transactions. I was upset. I didn't fully understand it but I thanked them and hung up. 

On XX/XX/XXXX, I noticed I was able to apply the My Chase Plan to the XXXX transaction which completely confused and upset me since the offer had passed since and would mean paying the fees for the plan. I called customer service again and this time their explanation was different after speaking with a supervisor. They can not determine where to put certain transactions until the billing cycle closes. I thanked the supervisor and sent a secure message via the Chase Banking app to the customer service that same morning, explaining I will be reporting them to CFPB since they provided misleading information and nowhere was it mentioned in the offer online or via email about waiting for your statement cycle to close to determine the eligibility for the My Chase Plan. 
I have family members that purchased tickets and got the XXXX Chase XXXX as soon as it posted to their account. Why offer a promotion knowing the statement cycle has to close before it can be applied? 

On XX/XX/XXXX, I received a voicemail from an employee at the Chase XXXX XXXX saying she'll be reviewing my case. On the XXXX, she confirmed ( in summary ) the transactions NEED to be posted but DO NOT NEED to reflect on your statement before it's applied. This didn't resolve my issue because, I want the offer I was denied! 
I called back to explain again since my issue wasn't resolved. This took most of my morning. The agent apologized and said she'll do a thorough investigation and get back to me asap. 
On the XXXX of XXXX, I called to get an update, no response. I left a message indicating I will be applying the My chase plan since my statement balance was due. 
I finally received a voicemail XX/XX/XXXX with a no resolution resolution. Basically, apologized for the misunderstanding and provided some confirmation that when the statement cycle closes that finalizes the charges that they can not determine where to put certain charges until the statement closes? So, if I bought my ticket XX/XX/2021 this would have been the same issue, missing out on an offer. It makes no sense! This is XXXX! if this information was stipulated in the offer, I would have avoided buying the ticket and saved my money. Now XXXX expected to pay fees Chase should waive!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Equifax Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : US DEPT ED XXXX Balance : {$1800.00} Date OpenedXX/XX/XXXX/2018 US DEPT ED XXXX Balance : {$2300.00} Date Opened : XXXX/XXXX/2018
Product: Credit reporting or other personal consumer reports

Despite my previous attempts and your assurances, the fraudulent items have not yet been removed from my credit report. This continued presence of unauthorized charges is deeply concerning and detrimental to my financial well-being. 

I urge you to take immediate action to rectify this matter by promptly removing the fraudulent items from my credit file. These inaccuracies not only damage my credit history but also pose a significant risk to my financial stability and reputation. 

Furthermore, I request transparency regarding the progress of your investigation into these fraudulent entries and the measures being taken to prevent similar incidents in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$21000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 XXXXXXXX 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, TX XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance XXXX {$1100.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$21000.00}.
Product: Credit reporting or other personal consumer reports

My account with creditors was never late! I have had exceptional payment history witH XX/XX/XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XX/XX/XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am reaching out urgently to address critical issue involving fraudulent personal information and unauthorized inquiries linked to my identity. Upon a careful examination, I've discovered certain accounts and transactions falsely linked to me, without my authorization. This situation has caused me considerable distress and raised significant concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the XXXX XXXX Account several times stating that the account is reporting inaccurate information. Each time, TransUnion has responded as account information verified. When the collection account was placed on my credit report, the information was inaccurate and never correct. The wrong balance was always reported wrong but TransUnion refused to remove the account as well as never attempted to correct the information. This is a direct violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX XXXX  I wrote " Transunion credit bureau '' a dispute letter stating that I had incorrect information on my credit report. The account on my credit report is in the amount of {$5000.00}. In the dispute letter I sent Transunion I explained that the amount is incorrect and that there were 2 parties on this debt, I explained that I was not completely responsible for the debt and that I wanted it removed from credit report. Enclosed in the letter, I sent a copy of the judgement from the court in the amount of {$940.00} and my drivers license. On XX/XX/XXXX, Transunion responded with a letter saying the account was verified and that this was staying on my report. This confused me because I enclosed in the letter a copy of the court judgement that had the actual amount, this is the law. So once again on XX/XX/2022, I sent another dispute letter to Transunion stating the same thing as the first letter I sent out wanting the account removed from my credit report and again weeks later Transunion responded again saying that the account was verified and not being removed from my credit report. I don't understand how they couldn't remove the account when its the wrong amount and I sent proof of a court judgement in saying the amount. Its just upsetting and I feel like Transunion is ignoring the information I'm enclosing in my letters. If someone could help me out it would be greatly appreciated. Thank you.
Product: Credit reporting or other personal consumer reports

am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XX/XX/year> - {$950.00} INQUIRIES : XXXX XXXX XXXXXX/XX/year>
Product: Payday loan

Received an online payday loan from XXXX XXXX in 2008. Loan was paid back but lender kept debiting my account, causing hundreds in fees for overdrafts and my bank closing the account. For several years I 've received threatening calls from their various debt collection agencies, mainly out of XXXX, NY. The original {$300.00} loan that was paid in 2008, ended up as a {$1000.00} collection account on my credit report. After disputing this ( again ) and speaking to the current debt collector, they agreed to remove it ( again ). After the loan was paid off, the state of Missouri declared they were illegal and void, as they had no license for business in the state. Missouri is the state I lived in when I took out the loan. Every time a different debt collector contacts me, the balance changes along with the supposed date of the loan, that way they can avoid the statute of limitation. This seems to be the only company that has avoided your wrath but is as bad as they come. Hidden fees in the hundreds of dollars, threats of jail, calling neighbors, employers and in my case distant relatives several times a day and disclosing every detail about this supposed debt and claiming I was wanted. They were supposedly searching for me yet knew all of my contact information. I was an XXXX to take out the loan then, but I was waiting for my military XXXX to be approved and I have many kids. By changing the details of the loan, they keep listing it on my credit report and use yet another shady collection agency to try to take my money long after the time barring took effect.
Product: Credit card or prepaid card

XX/XX/XXXX  a request to close my Avant Credit Card account was sent to XXXX and I received a follow up email XX/XX/ with instructions to confirm the request, the request was confirmed same day, Avant confirmed the account closure. XX/XX/2023 Ive received a new invoice with additional interest applied and my online account does not reflect the account being closed.
Product: Checking or savings account

I received a text message from Suncoast FCU asking if I authorized two charges on my debit card. 
I selected no. 
Suncoast texted me again and stated the card has been blocked and I can dispute the charges. 
Suncoast did not automatically send me a new card and blocked my card without asking, even though it is still in my possession. 
They are now wanting me to wait two weeks for a new card or pay {$25.00} for an expedited card when there were unauthorized charges, and I did not ask for it to be blocked. 
Suncoast additionally stated in a general inbox message " any charge that is pending is considered authorized. '' So I am locked out of my account for two weeks, lost time due to Suncoast not automatically sending a new card knowing I needed one and am out the funds that were not authorized to be charged to my card because Suncoast considers " all pending charges are authorized. '' Suncoast is holding my money hostage and is asking for payment due to unauthorized fraud or I will not be given access to my account while allowing random merchants to steal funds out of my account and not disputing it on my behalf.
Product: Money transfer, virtual currency, or money service

am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving user vulnerable to scams
Product: Credit reporting or other personal consumer reports

Im filing this report today because I was the victim of identity theft. An individual, entity, company or corporation has opened accounts without my knowledge. They enriched themselves on my credit without my knowledge, consent or authority. The following accounts are tied to the identity theft and are in such fraudulent. I need the following account ( s ) removed or blocked from my credit report. Im aware that filing a false identity theft report opens me up to possible criminal & civil penalties. I understand under the penalty of perjury Im liable for such statements. This statement is my factual understating of the events : Inaccurate Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I opened a complaint earlier with the CFPB because Equifax would not remove an inquiry on my report that was a result of identity theft/fraud. The latest dispute I have with Equifax that did not resolve the issue via their website is " Confirmation number : XXXX '' The Inquiry in question is listed as : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX This is coming from XXXX XXXX, which has sent information to Equifax twice to remove the inquiry they processed in my name due to identity theft/fraud. 
XXXX XXXX can be contacted at XXXX or fax : XXXX Note the email address of XXXX, which corresponds to the inquiry labeled XXXX XXXX XXXX. 

Below is the response from Equifax from the prior CFPB complaint. 

Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : NON REPORTING DISPUTES Inquiry : XXXX XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Inquiry : XXXX XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. IN REFERENCE TO YOUR QUESTION REGARDING INQUIRIES : INQUIRIES ARE A MATTER OF FACT AND ARE NOT ROUTINELY REMOVED FROM THE CREDIT FILE. THEY ARE A TRACKING RECORD AND A REQUIREMENT OF THE FAIR CREDIT REPORTING ACT. THEY MUST REMAIN ON THE FILE FOR TWO YEARS FOR EMPLOYMENT PURPOSES AND ONE YEAR FOR OTHER PURPOSES. HOWEVER, IT IS OUR POLICY TO RETAIN ALL INQUIRIES FOR TWO YEARS. INQUIRIES ARE ALSO FOR THE CONSUMERS BENEFIT, AS YOU HAVE A RIGHT TO KNOW WHAT FIRMS HAVE ACCESSED YOUR CREDIT FILE.