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

I applied for an online checking account with Santander on Thu   XXXX   XXXX   XXXX    . At the time, I gave my debit card information to make a {$25.00} opening deposit. The account was in " pending status ''. On Monday   XXXX   XXXX  , I noticed the {$25.00} debit card transaction come out of my other bank account, so I figured my account was approved and opened. I went back into the Santander online application service and my account still read " pending ''. Finally on Thursday   XXXX   XXXX   XXXX   I checked again and it was still in " pending status ''. I called them to see the story and I was informed they had some kind of a system issue with debit card processing and they needed to obtain my card number again. I explained the money already came out of my account, but they said they still needed the debit card number to find my account. I guess my name and TIN would n't be enough. I was told I 'd receive a welcome packet soon. On   XXXX   XXXX   XXXX     I received my debit card AND PIN number the same day, no welcome packet. I still did not have my account number at this point. On Tuesday   XXXX   XXXX   XXXX   I received my welcome packet that contained my account number. I activated online banking, and the {$25.00} deposit was still not in my account. I sent them email explaining the situation and complaint and received back a generic email telling me to call customer service. I called customer service, explained the situation, and was told they would forward the issue to that department for resolution. I logged back in today, Friday   XXXX   XXXX   XXXX   and my {$25.00} deposit is still not in my account! I 've contacted this bank several times for resolution and feel like t hey just do n't care to resolve this issue. They are obviously in violation of Reg. CC because I should have had an electronic deposit available to me no later than the next business day.
Product: Student loan

I have been struggling for years with Navient to lower my payments to something I can afford in regards to my private loan. I have managed to work with them after 4-5 years and using ALL of my forbearances to get in their what they call rate reduction program. At one point, they even XXXX up my payments during the program. Now my payments are going up. And they say it is to match what was on my promissory note. I went from paying XXXX  something, to XXXX and change, to now XXXX for the next 6 months and I am afraid I will not be eligible for their program. When I went to renew, I wasn't even allowed to use a forbearance because they made me use them all in the course of the 4-5 years I argued with them to lower my payments because I could not afford almost XXXX a month after I graduated and didn't have a job. I have also tried to get my father released as a co-signed as he is XXXX and does not work and the only income he has is his SSD. I have  countlessly explained this to Navient AND made on time payments using the rate reduction program and they said he can not be released but i have proven to make payments ALONE without his help and I don't want them coming after his SSD.
Product: Debt collection

I went to refinance my home. I told my loan XXXX about a judgment that I had made arrangements on. He said it had to be paid so, they paid it. I called today to see if I could get every document contained in this collection file. XXXX XXXX said, the only thing I could get was a statement that it had been paid in full. I asked her why and she couldn't give me an answer. XXXX, XXXX, and XXXX out of XXXX, Tn. is the law office that I refer to. how is it that they get to keep your information after you have concluded your business? I find this to be highly suspicious. I don't want them to have anything of mine. I don't want them to have even my social security number. How can a company collect on a debt that has been charged off anyway? companies come in and pay pennies on a dollar for debt and then charge interest on it. This in itself is a crock. I'm expressing nothing but contempt for this whole process. I'm going to figure this out and when I do it going to be XXXX to pay. I didn't know the American citizenry was being taken advantage of like this. No wonder she is in the trouble she is in. This is sheer criminal.I want ALL my documents since I'VE PAID
Product: Credit reporting

I have contacted Equifax multiple times to inform them that they are reporting someone else 's outdated Public Records information on my credit file. Transitions have not removed this information from my credit file to date. The XXXX/XXXX/2010. I need your assistance in getting this matter resolved and removed from my credit file.
Product: Student loan

The issue i am having is my loan was for XXXX for my daughters loan and now after Mr Biden started my payments back up the loan is now XXXX becuase of me going throw a divorce and navient said I could do forbearance and not get I trouble i have been paying minimum payment for q3 years now well here I am in trouble please help me XXXX
Product: Credit card or prepaid card

Capital One travel portal wasted 12 hours for a simple trip changes. Each phone call below had long waiting times : 1. Booked flight on Capital One travel portal 2. Made a change for one of flights. This caused reservation to be split on Capital One systems, but not updated on website, so from this point we don't see correct credits. 
3. Tried to book new flight with issues credit, and had to call customer service to do so. 
4. Checked XXXX website to select seats. Found out that reservation is XXXX instead of XXXX, making it impossible to pick seats next to my partner, with other restrictions. Capital One travel at no point said they are doing so. 
5. Called Capital One to fix this - this was the most frustrating part - Capital One kept blaming XXXX XXXX XXXX  and that it's really XXXX  and not XXXX reservation, and kept giving me roundabout answers. Was reassured that XXXX XXXX will fix this, but unknown when. 
6. Called XXXX XXXXXXXX to confirm, and yup, my reservation was XXXX and not XXXX. Now working with XXXX to fix this since 3 phone calls with Capital One didn't do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

1. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. The following account was a Charge-off. Balance should be XXXX 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.5. The following account was a Charge-off. 
6. Balance should be XXXX. 
XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 


The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours, XXXX XXXX
Product: Debt collection

I am writing to have a debt removed from my credit report as I believe the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts has been violated. I have emailed, called and wrote numerous letters without response or verification of this debt. Please remove this debt. 

The violations I have against Portfolio are as follows : 1 ) PRA did not validate before reporting to the credit bureaus, even though I have proof of receipt of a timely dispute, which I mailed within the 30-days as allowed by the FDCPA. Per federal law, a collection agency is not allowed to continue collection activity if a consumer disputes the account within 30 days. Collection activity includes reporting to the credit bureaus, as per the FTC opinion letter XXXX from XXXX. This violation falls under [ XXXX XXXX XXXX ] XXXX. 

2 ) PRA has failed to mark my Equifax credit report as disputed. This violation falls under [ XXXX XXXX XXXX ] XXXX XXXX XXXX ). 

3 ) PRA is misrepresenting the amount owed, and/or adding fees/interest outside the original contract. The debt validation that you have provided to carries an amount that is substantially higher than the amount that PRA is reporting. This violation falls under [ XXXX XXXX XXXX ] XXXX XXXX XXXX ). 

It is also my understanding that the CFPB is taking action against this firm for deceptive tactics to collect bad debts via the website listed : http : //www.consumerfinance.govXXXX I continue to get no response from this company please help. 
XXXX XXXX XXXX/XXXX/XX/XX/XXXX
Product: Debt collection

I just saw another debt collection on my account from Grimm collections. The original creditor is XXXX XXXX  XXXX XXXX and the date assigned is XX/XX/XXXX the classification is a medical health care. 
It all started on XX/XX/XXXX at XXXX XXXX XXXX. I lost my luggage containing my passport, my XXXX  documents, and my social security card. The police officer that took care of my case is XXXX XXXX and the case number is XXXX. 
Few months after that, until now, I have been receiving at least once a month either mails, or phone calls from debts collectors trying to retrieve debt that I do not have knowledge about. I successfully disputed at least 8 debt collection in the past months. from XXXX XXXX ( even though I wasn't a customer ) to XXXX  or medical institutions where I have not been. 
In XX/XX/XXXX I have not been to XXXX XXXX XXXXXXXX XXXX, and I think that If I had been there, before sending my account to collection, they would have sent me a mail at my address trying to retrieve the payment. I am up to date in all my payments and my credit report shows no debt and 100 % in payment history since the opening of my account. 
Added to that, I am already wearing glasses that I got prescribed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also use free resources at XXXX XXXX XXXX that offers free medical consultations to enrolled XXXX also, because. I have two medical insurances. The first one is XXXX ( XXXX XXXX XXXX ) that I use when I am in the US and the second one is XXXX ( XXXX XXXX XXXX ) that cover 100 % of my medical bill anywhere in the world where it is accepted expect in the US where I use XXXX. 
I do not have knowledge of this account and I do not recall being at this place. If anyone has been there claiming to be me, they are using stolen information because I leave in XXXX since XX/XX/XXXX and when I look up XXXX XXXX XXXX  all the locations are in XXXX. I will attach to this complaint my XXXX  ID card, my two medical insurances cards and a copy of a medical bill that was due yesterday on XX/XX/XXXX, that I just paid showing my insurance deductible that is locked at {$20.00} for any visit and {$100.00} for major treatments and surgeries. I do not know how I can end up owing {$230.00}. I am not responsible for any of this account and the debt collections agencies should double check their information before sending them. I have a credit freeze and a credit fraud alert in my account because of that. My credit score went from XXXX to XXXX and it's been going up and down every month. whenever I dispute an item and they fail to remove it and I contact attorney general office for more investigations and they end up removing it, another collection is added, and it's been like that for more than a year. If this is an old collection account, I want to notify that all the previous medical collections have been disputed and successfully removed, I also sent a letter asking that the debt collection agency mentions that if the debt was to be sold. Thank you.
Product: Credit card or prepaid card

I was charged a late fee on the same day my payment was due which is the XXXX of the mnth. I was trying to get the late fees removed from my account before I made the payment but got no help from customer service. I made my payment 5 days later. Their general card holder agreement states late fees are accessed if payment not records in a timely manner. They charged me late fees the SAME DAY MY PAYMENT WAS DUE! Not to mention they offered a statement credit for automatic payments when you first get your card but the system doesnt let you sign up for it and customer service is clueless so they get you again by not having to give any credits for auto pay setups. These banks just XXXX XXXXXXXX for fees is ridiculous!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these records XXXX XXXX XXXX XXXX XXXX XXXX. I'm confident the contested records are settled. 
XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX Balance XXXX XXXX
Product: Checking or savings account

Please know on XXXX XXXX XXXX XXXX XXXX XXXX XXXX I mailed letters stating Please be aware of account number -- -- -- -- -- -- -- -- -- -/ routing number -- -- -- -- -- --. The account made unauthorized IRS Economic Impact Payments deposits of {$1200.00} on XX/XX/XXXX ; {$600.00} on XX/XX/XXXX ; and {$1400.00} on XX/XX/XXXX. XXXX. The owner of the account did not have authorization or approval for the deposits. 
The IRS informed me that deposits were made at XXXX XXXX. Please be informed I have contact with XXXX XXXX XXXX XXXX express their bank as a pass-through intermediary. XXXXXXXX XXXX stated the bank has no access and very limited involvement with such transactions but mentioned Square, a separate company not affiliated with XXXX XXXX XXXX XXXX  stated that Cash App accounts are offered by Square. Please know of attempt to also contact Cash App with no success. I am making Square aware of the unauthorized deposit and requesting a refund of all deposits. 
Please know 2 months later no response has been made by Square/Cash App. Please reply regarding my stimulus checks issue.
Product: Credit card

I had XXXX charges for {$45.00} and {$22.00} appear on my XXXX credit card on XX/XX/year> that I believe were fraudulent. I didn't recognize the merchant ( XXXX XXXX XXXX ) and couldn't find any information about them online when looking up the merchant name. On my credit card statement, it said the merchant was located in New York and that I had paid via XXXX XXXX device. I was not in New York at the time, I had gone to visit my sister XXXX weeks earlier and had already been back in California for XXXX days by the time the charges showed up on my account. I filed disputes for both charges with XXXX on XX/XX/year> and provided all of the above information to the representative. He advised me to change my XXXX account password and processed the dispute claims for me. After the XXXX day review period on XX/XX/year>, both charge disputes were not accepted and the money was taken from my account. I reached out to XXXX again and asked for the reason why the claims were not accepted. The representative told me that there was no reason stated on the claim and it was not clear to her why the disputes were denied. She offered to reopen my disputes, which I accepted. After the XXXX day review period, XXXX of my disputes ( {$22.00} ) was accepted and the other was denied ( {$45.00} ) even though both transactions occurred at the same merchant and on the same day and time. I reached out to XXXX on XX/XX/year> asking why only XXXX had been accepted and the other was denied. Again, they were not able to provide me a reason for the denial. The representative reopened my dispute again for the charge that had not been refunded, and it is still undergoing review. I feel as though XXXX and XXXX XXXX have mishandled the review of my disputes.
Product: Credit card or prepaid card

I received a notification from experience a new card was opened from Best Buy. I never applied or opened any account with Best buy. This card was fraudulently opened in my name. Because I didnt open the card, I never made any transactions using the card. When I contacted Best Buy they wouldnt provide me any information as to when the card was opened or where or where it was sent. They said there would be an investigation However I have not heard anything from them. 

After filing a dispute on XXXX I learned Best Buy stated the account is accurate and the dispute was closed. 

Again I never opened this account this is fraud and identity theft please help.
Product: Money transfer, virtual currency, or money service

Cash App took my son 's money when he activated his card. This happened at XXXX XXXX on XX/XX/2020 when I was added to the call. Trying to calm him down, they got into my account and I had {$700.00} on there that I forgot was paid to me by my clients. I try not to use Cash App but that is what they had. They took my {$700.00} then went into 3 ( three ) accounts two at one bank and the other at another bank and tried to take out several dollars from. One account they tried to take XXXX in six different transactions, the 2nd account they tried to take {$250.00} and the 3rd account at a different bank they tried to get {$250.00}. I have notified my banks and filing fraud charges against Cash App. They have been texting me and calling me continuously but I am not answering their calls. I filed a report the the local police department here and I am filing a cw3 with the FBI Internet fraud. These people tried to take more than {$1500.00} from me and I am not sitting down likely with this. Cash App needs to investigate and see who is in their system scamming their clients. I have been told today of several people that this has happened too but no one knows what to do. It is time to STOP this and we are going to MAKE A CHANGE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from EXPERIAN. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

I attached a consumer report from XX/XX/2022 as evidence. 

I also attached my personal documents : ID, SSN and Proof of Address.
Product: Credit reporting or other personal consumer reports

This is not a mistake. I am genuinely terrified, frustrated and confused about how badly these accounts on my credit report has turned out. Do you have any idea how much stress this caused me? Knowing that these accounts were not to a hundred percent accurately reported in my credit, and nothing has been worked on because I am being ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute a fraudulent hard inquiry that recently appeared on my TransUnion credit report. I believe this inquiry to be fraudulent and request its immediate removal from my credit report. As a victim of identity theft, I am deeply concerned about the potential consequences that this fraudulent inquiry may have on my creditworthiness and financial stability. 

The details of the fraudulent hard inquiry are as follows : Creditor Name : XXXXXXXX XXXX  Type of Inquiry : Hard Inquiry Date of Inquiry : XX/XX/2023 I would like to provide substantial evidence to support my claim of fraudulence. Firstly, I have never had any prior relationship or interaction with XXXXXXXX XXXX  and I can assure you that I did not initiate any credit application or authorize any inquiry from this institution. This unauthorized inquiry is a clear violation of my rights as a consumer and places an unjustifiable burden on my financial standing. 

Moreover, I diligently monitor my credit report and transactions on a regular basis. However, due to the sophisticated nature of the fraudulent activities, I regrettably did not notice this fraudulent hard inquiry until recently. I believe the perpetrators strategically timed the inquiry to go unnoticed, thereby exploiting my trust and causing significant harm to my credit profile. 

I kindly request that you take immediate action to investigate this matter thoroughly and delete the fraudulent hard inquiry from my TransUnion credit report. The Fair Credit Reporting Act ( FCRA ) grants me the right to accurate and fair credit reporting, as well as the ability to dispute any incorrect or fraudulent information on my credit report. 

Section 611 of the FCRA stipulates that credit reporting agencies must conduct a reasonable investigation into any dispute raised by consumers and correct any inaccurate or incomplete information within 30 days of receiving such a dispute. I trust that the Consumer Financial Protection Bureau will uphold its commitment to protecting consumers and enforcing these legal rights. 

Enclosed with this letter are copies of my identification documents, including my driver 's license and Social Security card, to verify my identity and support my claim. 

I kindly request that you notify me in writing of the outcome of your investigation and provide a corrected credit report, free from any fraudulent information, within the statutory timeline. I also expect to receive documentation confirming the removal of the fraudulent hard inquiry from my credit report. 

Thank you for your prompt attention to this matter. I appreciate your assistance in resolving this fraudulent activity and restoring the accuracy and integrity of my credit report. Please do not hesitate to contact me if you require any further information or documentation. 

Sincerely, XXXX XXXX