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

Santander bank keeps reporting to the credit bureau that I am late with my monthly payment. I reported Santander bank to the credit bureau two different times. Santander fixed it both times, but I never was made whole because the points I received after fixing their mistake were far less than what was taken from me. Santander bank recently reported a third time that I am late with my payment. My credit score in the past was in the XXXX range and I worked very hard to get my score above XXXX only to have Santander bank report falsely that I have been late three separate times. XX/XX/XXXX is the first time they falsely reported that I was late and my score dropped XXXX points. XX/XX/XXXX is the second time they falsely reported that I was late and my score dropped XXXX points. XX/XX/XXXX is their latest mistake and they falsely reported that I was late and my score dropped XXXX points. Please make them stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts on my credit profile is being reported and my credit was stolen and used I need these accounts deleted from my credit profile.
Product: Bank account or service

I am not at all satisfied with a response from the bank that says I can expect to hear from them in 60 additional days. They have violated every regulation that pertains to my situation. What the law requires of the bank is 10 days or to give a provisional credit, which they did, however 10 days after that they stole my direct deposit from my employer. Having my money and did n't make good on checks presented whist in possession of my money. The law is clear and I will attach the correspondence I 've had with the bank. How can you allow them XXXX days. Should I hire an attorney? My open case number is.XXXX
Product: Mortgage

Shellpoint Mortgage Company has not given a full refund as stated in an email received on XX/XX/2020 at XXXX. Shellpoint Mortgage Company has withdrawn the following insurance premium disbursements from my escrow account : XXXX {$490.00} XXXX {$450.00} XXXX. {$67.00} On XXXX, Shellpoint Mortgage Company has decided to return {$490.00} to my escrow  account on the day for Escrow Analysis. This amount is less than the {$490.00} insurance premium disbursement that was withdrawn on XXXX. On XXXX Escrow Balance was {$670.00}. On XXXX Escrow Balance is {$1100.00}. Shellpoint Mortgage Company has not returned the additional amounts of {$67.00} and {$450.00}. My actual escrow balance should be {$1600.00}. Shellpoint Mortgage Company has instead stated that after Escrow Analysis a shortage of {$1200.00} and an increase of mortgage payment to {$880.00}. Shellpoint Mortgage Company has intentionally not refunded all the insurance premium disbursements and is stealing funds from my escrow account. In addition, Shellpoint Mortgage Company is making false claims about a shortage being  present when the fact is that my escrow account has a surplus and the mortgage payments should have decreased. This is against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX XXXX is in violation of the following : Authority : 12 U.S.C. 5512, 5514 ( b ), 5532 ; 15 U.S.C. 1692l ( d ), 1692o, 7004.

Source : 85 FR 76887, XXXX XXXX XXXX, unless otherwise noted. 

1006.18 False, deceptive, or misleading representations or means.

( b ) False, deceptive, or misleading representations.

( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt. 

Allowing XXXX XXXX XXXX to false report incorrect data on my consumer report.
Product: Credit card

Barclays Bank on the XXXX XXXX Credit Card offered XXXX bonus points if I spend {$500.00} in EACH MONTH. XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX. 
However they claim I did not meet the qualifications because I did not spend enough money until my statement was closed ( XX/XX/XXXX ). 
The bank would have given me the points if I had spent at least {$500.00} in EACH STATEMENT however that 's not what they have advertised. 
They have advertised EACH MONTH. 

EACH MONTH is not equal EACH STATEMENT.
Product: Credit card or prepaid card

I have a credit card to care credit for my medical expenses I have never missed a payment and they lowered my credit limit when I wasn't even maxed out on the credit line and now I can't afford my medical procedure. 
This credit card is through Synchrony Bank XXXX
Product: Mortgage

I closed on my house/mortgage on XX/XX/XXXX, and have been making full payments every month on time every since. I put over 20 % down payment on the home, and have signed paperwork indicating I did not want an escrow account ; that I will pay my own taxes and insurance completely separate from the bank. The main reason why I put so much down was to avoid PMI and the escrow account. 

Per the mortgage company, Pennymac, an " escrow analysis '' was done on my account in XXXX XXXX XXXX ( almost 2 years after the purchase ) without my knowledge nor authorization ; at which time they added well over {$1400.00} per month to my payment by adding an escrow account ( again without my authorization nor knowledge ). When I called the company to discuss this situation on XX/XX/XXXX, they refused to remove the escrow account because they claim my account is delinquent : I have only been paying the principal and interest and not the added escrow funds ( per my original loan paperwork signed XX/XX/XXXX as I did not and do not need nor want an escrow account ). 

Furthermore, the added escrow account is more than twice what my property taxes actually are. My property taxes come to a total of {$7700.00} per year or {$640.00} per month. Yet they have added approx. {$1400.00} per month to my bill. This is completely unacceptable ; and is one of the main reasons why I did not want an escrow account in the first place.

Apparently, I also had a negative escrow balance ( which I paid on XX/XX/XXXX as soon as I became aware of this ) because the mortgage company took it upon themselves to pay my county taxes last year... again without my knowledge nor authorization as I never received this bill. Had I received the tax bill, it would've been paid. As soon as I was made aware they paid the bill, I paid the mortgage company back, so I do not owe them anything extra. However they still refuse to remove the escrow account from my account and are threatening to report this " delinquency '' to the credit bureaus and even go so far as to foreclose on my home should I not pay into the escrow account. Again, I have never missed a payment : every month, the mortgage is paid on time and in full.

FYI : I also have been paying my homeowners insurance directly with the insurance company and can provide proof of these payments if required.
Product: Credit reporting or other personal consumer reports

My credit has been ran by several auto companies without my permission. According to FCRA section XXXX it is illegal to report information on my credit report, without my permission. I have submitted an identity theft report. I want this sent to the following companies : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX Ally financial, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the XXXX XXXX XXXX  or https : XXXX to file a report Per FCRA XXXX XXXX Credit Reporting XXXX XXXX XXXX to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have contacted your department about the fraudulent accounts that are being reported on my credit. I believe this started in XXXX XXXX time period. I discovered it around XXXX when I had to dispute items the first time, and now it is happening again on my credit report. I have had identity theft Report filed with a DC # XXXX around XX/XX/XXXX due to a break in of my property. Also, I have not supplied proof under doctrine of estoppel by silence. XXXXXXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX. I Presume that no proof of the alleged debt, nor therefore exists under my identity.
Product: Credit card

On or around XXXX XXXX, a fitness company called " XXXX XXXX " located in California started charging the credit card issued to me by TRUIST Bank. The charges of {$3.00} each started on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Upon contacting Truist Bank, the Customer representatives that I did talk to were all telling me that these fraudulent charges were going to be investigated within 60 to 90days. 
However, at certain times, my card was given credits for some of these charges except for the following dates : XXXX {$3.00} ; XXXX {$3.00} ; XXXX {$3.00} ; XXXX {$3.00} ; XXXX {$3.00} ; XXXX {$3.00}. All of these outstanding charges totaled {$27.00}. 
When this situation was noticed on my bank statements, I contacted the bank and was told that it was going to take between 60 to 90 days for the investigation to be concluded. 
On XX/XX/XXXX, despite disputing these charges, Truist Bank went ahead to initiate late charges on the disputed amount, and I reached out to the bank again but was informed that this issue will be resolved as soon as the investigation is concluded. 
Upon realizing that the bank was tilting towards spoiling my good credit I decided to pay off this outstanding {$27.00}, and I was further asked not to bother about the late fees as the bank will take care of it when the investigation is completed, and that never happened until today. 
The bank started charging late fees on a non-existing balance since XXXX {$27.00} ; XXXX {$40.00} ; XXXX {$40.00} ; XXXX {$40.00} ; XXXX {$40.00} ; XXXX {$40.00} ; XXXX {$40.00} All these late fees charges totaled the reported balance of {$300.00} that was reported against me as being delinquent. I attached a copy of a written document ( letter ) that was never responded to by the bank.
Product: Other financial service

MMI -- Money Management Incorporated has refused to meet with me. It is advertised that they have face to face meeting which that is my choice. 

I made an appointment for XXXX XXXX of this year. A day before the appointment I was told that the counselor would n't be able to meet with me and that they want to reschedule. I was a little upset because I really need to get with someone to help me. I told them to cancel the meeting altogether. 

After that I looked around and realized there are no other reputable debt relief services in my city so I called them back to schedule another appointment. This was for another Thursday ( the XXXX ) and the day before, they called and said they needed to reschedule with the person I was supposed to meet with face to face. They would call me back with another date and time to meet face to face with me. 

Now they are telling me that there are no more face to face meetings only phone counseling. I do not want to deal with my financial future OVER THE PHONE. 

I am very upset with this company and they do not seem willing to help unless it fits in with their schedule. They advertise that they have face to face meetings with clients. I asked them why they did n't have any more face to face meetings and she only said that she can give me a telephone appointment. She would never really say why I could n't have one.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act my rights have been violated. Allowing a late payment reporting on XX/XX/22 and XX/XX/22 by XXXX XXXX XXXX  and XXXX XXXX XXXX  and a late payment reporting on XX/XX/22 and XX/XX/22 by XXXX  XXXX. Under 15 U.S. Code 1681 Section 602 states, there is a need to insure that consumer reporting agencies exercise a respect for the consumers right to privacy. 15 U.S. Code 1681 Section 604a Section 2 also states, any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

My wife and I filed bankruptcy and the court took half of our income tax return. We received a check for XXXX and deposited it at the BANK of AMERICA atm machine. It was a out of state check that said trustee on it. When the deposit was complete to our surprise it said a hold was placed, without telling us. We contacted the bank and were given no reason why and was told there was nothing they could do. The hold was for two weeks. We have been with this sorry bank for over ten years, never bounced a check nor done anything to deserve this ridiculous and excessive wait time. I want to file a formal complaint ...
Product: Checking or savings account

Open check account. With the promise of XXXX dollars would be added to my account. 
After my first direct deposit was made and it was over 500 dollars. 
The amount deposited was well above the 500. 
The deal said the coupon would be automatically applied. 
Guess what. It was not. 
Second direct deposit made. Again over well over the 500 dollar requirement. 
Went to bank XX/XX/2019. After over an hour wait. Met with XXXX XXXX. Branch manager & 1st Vice President. His number is XXXX. They reviewed snapshots of my application on line. But could not figure why we did not receive a coupon. 
But they would look into it. 
Well was told we should know something by Wednesday. Wednesday  has come and gone. Was not contacted. As he said he would. Talked on Thursday  XX/XX/2019. It was like they have not done any thing. Today XXXX XXXX. He called and said : they have not done any thing. 

It was shown on their snap shots. We have done every thing right and met all qualifications. Therefore it is a simple matter of and over ride and deposit the funds in our account. There is no reason to with hold funds. Unless it is a scam. 

Still waiting on matter to be resolved.
Product: Credit reporting or other personal consumer reports

I was forced to file a dispute through CFPB against TransUnion on XX/XX/year> becasue their system would not allow me to do so. Apparently, your influence got them to help. They took the collection account off my credit file but did not restore my credit score to where it was at before the false information was filed. I was waiting and hoping they would. Yesterday I received an alert from XXXX XXXX, a 3rd party credit monitoring agency, that an open revolving account had been opened on my credit file. XXXX XXXX asked me was it mine and advised me to dispute it if it wasn't. I logged onto TransUnion and found the open revolving account with a lot of negative information about the false collection account. There was no dispute tab on the account so it can't be disputed. I did see that they had raised my score to XXXX. 

It seems that they deleted the collection account but then the next day did an end run around that and just open the revolving account which states that I opened the account with XXXX  XXXX, the ones who originally filed the false collection account in the first place. This is unacceptable on so many levels. It is sad that little people like me who just fight hard to maintain good credit have to go through stuff like this. XXXX should be held accountable for doing everything they can in order to hurt and damage folks like me. I hope and pray that CFPB will help me to get this straightened out.
Product: Vehicle loan or lease

I purchased a vehicle from US Auto Sales in XXXX, my vehicle was repossessed today by claimant Westlake Portfolio. I have no knowledge of this company. I requested information from them stating they were the owners with none provided. I need help please
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out multiple debt validation letters to XXXX, XXXX, or Bull City. I have sent out multiple letters to Bull City with no response. XXXX responded saying that they could not find my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX Payment never late successful iconSubmitted XXXX XXXX Not mine or No knowledge of account successful icon
Product: Money transfer, virtual currency, or money service

I'm filing a complaint against cash app ( Block Inc ) due to inadequate customer service and unfair practices which violates the consumer financial protection act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

My personal information was stolen in XXXX of XXXX XXXXhat included my drivers license, social security card, and birth certificate which I filed a police report in regards to. In connection with these stolen documents a series of fraudulent accounts were opened including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I subsequently updated my original police report to include this information. The accounts listed are all fraudlent and need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, This letter is intended to request the XXXX XXXX XXXX to remove a negative mark that was annotated on my credit report. In XX/XX/2016, my XXXX XXXX car lease ( account # *** ) expired and my account was closed ( return date and last payment : XX/XX/2016 ). Payment was provided to XXXX in person at their dealership at the time of the ownership closeout. XXXX however did not update their records and continued charging a property tax under my name for another full year on a car that I didnt own. XXXX submitted their bill to collections and now my score has lost over XXXX points. 
The issue was resolved with XXXX as they received proof from the XXXX that showed the XXXX XXXX has not been registered in my possession for over two years. I am attaching the same proof the XXXX provided to show the car was not in my possession at the time of the annual property tax requirement. I am asking the credit bureau to remove the negative mark given the circumstances and proof furnished in this letter ( and attachment ). 
Supporting Document Enclosed : - XXXX Proof of registration cancellation.
Product: Credit reporting or other personal consumer reports

This account does not belong to me and I have had zero help from the credit bureaus or company to get this removed. I've been disputing this account all year. The account is from XXXX XXXX XXXX XXXX XXXXXXXX ) and I have yet to receive any validation from this company or the original company. I want this account removed from my credit report immediately.
Product: Checking or savings account

On XX/XX/year>, I had XXXX withdrawals on my account all for {$450.00} from paypal. There were a few other fraudulent transactions around that time too. I filed a dispute and the bank found that it was authorized when it was not. I then contacted XXXX  and they were equally unhelpful. This morning I spent XXXX minutes on the phone and got run in circles saying that there was nothing to be done. I called later and was told the dispute team would call me because I wanted to explain that it makes no sense that I would withdraw exactly {$450.00} seemingly all at once, and how it would not be authorized considering the XXXX other fraudulent charges on my account in that time frame. They never called me back. I'm out over {$1300.00} and they're doing nothing to rectify it.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern at the CFPB, I am submitting this formal complaint regarding an egregious violation of my privacy rights involving XXXX XXXX and the Department of Government Efficiency ( DOGE ). I have reason to believe that my private financial data, including my student loan records, was accessed without my consenta direct violation of my consumer rights and federal privacy laws. 

As a result of this unauthorized access, I demand the immediate removal of my student loans from my credit report and a full investigation into this matter. The exploitation of my personal information by XXXX and the Department of Government Efficiency is unacceptable and has caused significant financial harm, stress, and unfair reporting on my credit profile. 

I am formally requesting that the CFPB : - Immediately remove my student loans from all credit reporting agencies ( Experian, XXXX, and XXXX ) as a corrective action for this privacy breach. 
- Conduct a full investigation into how XXXX XXXX and the Department of Government Efficiency ( DOGE ) gained access to my private financial records.

- Hold all responsible parties accountable for any violations of federal privacy and financial protection laws. 

Provide written confirmation within 30 days verifying the removal of my loans from my credit report and the status of the investigation. 

If this matter is not addressed promptly, I will have no choice but to pursue further legal action and escalate my complaint to other regulatory agencies. The CFPB has a duty to protect consumers from unauthorized data breaches, and I expect swift action to resolve this serious issue. 

I demand immediate confirmation that my student loans have been removed from my credit report. 

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

I've contacted XXXX XXXX XXXX  XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Please correct my account XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2021, I opened a checking account with Chase Bank. I made an initial deposit and enrolled in automatic deposits with my employer. I used a promo code to get a {$200.00} bonus for opening the account. Today ( XX/XX/2021 ), I found out the bank closed my account and I received a check with less money than what I think I had in my account. I did not receive the bonus either. The bank refuses to tell me why they closed my account and they told me they do not ever want to do business with me, however they have not closed my XXXX credit cards that I have had with them for 10 years. I believe this is unfair and I at least deserve to know why they have made this decision. I have an excellent XXXX XXXX, XXXX debts and have never been involved in any financial issues with any banks. I am afraid of what this means and I don't know what should I do to prevent something similar to happen again.