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

On   XXXX   XXXX   @  XXXX , I went to the Santander Bank located at   XXXX   XXXX   XXXX   XXXX   XXXX  , Massachusetts. I went to the drive up window to DEPOSIT my Federal tax refund check to my checking account. About 2 minutes went by and the teller stated she could not cash my check since the check had my name and my wife name on it, I replied "I DONT WANT TO CASH IT< I WANT TO DEPOSIT IT". She stepped away and the manager came to the window and she also stated "WE CAN NOT CASH THE CHECK WITH OUT MY WIFE". I replied I DONT WANT TO CASH IT I WANT TO DEPOSIT IT. She said it did not matter she had to be present or have her name on the account. At this point I was very frustrated and asked for the check back and told her I have done these transactions before with no issues, Also what if my wife was disable and I could not get her to show up just to show ID or what ever she was looking for, Or I would just use the ATM? I got no answer from her so I asked for her business card and told her Im going to contact her upper management about this matter. I drove away and contacted Santander Bank and waited on hold for 45 minutes before hanging up the call since I could not wait any longer. I looked up there policy on depositing checks and it states as long as the check is endorsed it will be deposited with a hold on the funds until the check clears, Which I am fully aware of that policy, But to drag my wife to the bank to DEPOSIT a check  ? I could have deposited the check at the ATM or with the mobile App, But went to the window and got nothing but bad service which the bank promised in there adds and other media sites along with there mailers I receive once a week. The bank needs to look into this matter as I will not hesitate closing my account and taking my business else were, were tellers and bank managers are better educated on there policy in servicing customers. This matter has stoped me from using this bank for services pending the out come of this matter.
Product: Credit reporting or other personal consumer reports

Dear Experian : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly?

1. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this.

30 days should be enough time to get back with me. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I WAS CHARGED FOR TRANSACTIONS THAT I DID NOT MAKE OR AUTHORIZE AT ALL. THIS WAS ALL DONE THROUGH MY XXXX XXXX   ACCOUNT. I REACHED OUT TO THEM BACK WHEN THIS HAPPEN AND THEY DID NOTHING FOR ME. SO WHEN I RECENTLY CONTACTED THEM AGAIN WITH MY FRIEND THEY SAID THAT THE CHARGES WERE TOO OLD AND THEY COULDNT HELP ME. THIS MONEY WAS STOLEN FROM MY ACCOUNT AND THE CREDIT CARD REP TALKED TO ME SO RUDE AND MEAN TELLING ME IM TOO OLD TO REMEMBER AND I DID MAKE THIS CHARGE AND JUST BEING NASTY TO ME. IM XXXX AND THIS IS SO UPSETTING TO ME. PLEASE HELP ME. I WILL LIST ALL THE CHARGES THAT WERE MADE ON MY ACCOUNT. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PLEASE HELP ME GET MY MONEY BACK
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had a XXXX XXXX  credit card. I have never made a late payment on any of my accounts. I called XXXX XXXX or went into the store not sure, on XX/XX/22 paid off this credit card XXXX and closed the account and there is activity on this account that is on my credit report that I am not making payments. This has decreased my score over 61 points. I have disputed this information with all three credit beaures and not heard a response. It has been on going since XXXX. 
XXXX statemnt due XX/XX/22 was XXXX. Then for some reason the balance went up XXXX and I paid that off. I have worked so hard on mainitnng a great credit score to buy a home plus I am in nursing school and may need loans.
Product: Checking or savings account

I have had Navy Federal for some years now. I have not given permission for them to pay charges that I dont have money for and they have done it quite a lot and charge me fees that I cant afford.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of Accounts below has violated my federal consumer rights to privacy and confidentiality under 15 USC 1681 PERSONAL INFORMATION ADDRESS : XXXX XXXX XXXX, XXXX XXXX, NY XXXX *THIS IS A POST OFFICE - NEVER LIVED HERE PLEASE REMOVE DEROGATORY ACCOUNT INFORMATION XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX *PAYMENT HAS NEVER BEEN LATE XXXX XXXX XXXX Account number # XXXX *PAYMENT HAS NEVER BEEN LATE XXXX XXXXXXXX - PLEASE REMOVE Account number # XXXXXXXX XXXX XXXX Account number # XXXX PLEASE REMOVE XXXX FINANCIAL FCU Account number # XXXX PLEASE REMOVE XXXX XXXX XXXXXXXX XXXXXXXX Account number # XXXX PLEASE REMOVE LENDING XXXX XXXX. 
Account number # XXXX PLEASE REMOVE INQUIRIES XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IL XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604A, Section 2< States a consumer reporting agency can not furnish an account without my written consent and instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section, States no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I have no connection to the listed creditor, and this inquiry is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

XXXX Is violating my rights I submitted a dispute XX/XX/2021 the return receipt states they received it on XX/XX/2021, today XX/XX/2021 they still have not started the dispute which is a violation of the FCRA & FDCPA Then on XX/XX/2021 XXXX sent a letter with a form requesting me to do their investigation for them which is not my job in which is not required by the law.
Product: Debt collection

On XX/XX/year> I pulled my credit report from XXXX and XXXX and seen a collection notice from RADIUS GLOBAL SOLUTIONS LLC in regards to business with XXXX XXXX in the amount of {$1200.00} and have not given this company consent to disclose my location information. This is a direct violation of 15 USC 1692b Acquisition of location information. This company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed. Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ; NO CONSENT FROM CONSUMER OR NOTIFICATION ALERTING THE CONSUMER OF transfer of ownership.
Product: Prepaid card

I purchased a Netspend Prepaid debit card and had been using it to get paid by my employers by direct deposit for multiple years with no problems until starting 2 months ago when I started getting spammed with emails from Netspend to upgrade my prepaid spending account to their new " All Access '' account and upon doing so, I would get my direct deposits 2 days earlier than with the standard Netspend Prepaid debit account and after a month and a half of being pressured and my pre-upgraded accounts direct deposits being delayed, I went ahead and upgraded my account to their new " All Access '' prepaid account. 

At that time, Netspend then changed my card number, routing and account numbers and deactivated my " Old account '' resulting in complete chaos with my work, paying bills, payments that were already authorized, everything started going downhill at that time and after a week of talking to probably over 20 different representatives, bounced direct deposits and bill pays I was assured everything was good to go.

One of the stipulations to upgrading my account to their " All Access '' account was that I had to have a direct deposit within 10 days of upgrading to obtain my " All Access Benifits '' and so I complied and had XXXX of my jobs direct deposit my last XXXX weeks paychecks totaling {$2500.00} into my new " All Access '' Netspend Prepaid account, this was on XX/XX/2023. 

Upon trying to pay my bills using the {$2500.00} that I was pressured into depositing, my account was locked, access to and usage of my prepaid balance are being denied to me unless i send a photo copy of my " state ID '' to someone over the phone in XXXX. 

I have verified EVERYTHING about my identity to Netspend including, my social security number which I really didn't feel comfortable doing, I have received mail from Netspend to my current address, addressed to me, i have activated their new account, confirmed my identity MANY TIMES and now i'm being told that there is NOTHING I can do, that they'll keep my money and keep my account locked unless I provide them with even MORE personal and very sensitive data. 

As you can see here, the FTC has already ruled that these practices are illegal : XXXX XXXX XXXX And as you can see here by the XXXX pages of XXXX  complaints in just Texas, they're still doing this to thousands of people : https : XXXX Netspend is a PREPAID card service that manipulates consumers into depositing funds onto the cards and then denies the consumers access to their funds and accusing consumers of fraud to justify it.
Product: Credit reporting or other personal consumer reports

I disputed an account on XX/XX/XXXX. The dispute was denied XX/XX/XXXX and remains on my credit report. I redisputed the account XX/XX/XXXX and the dispute was denied less than XXXX later. There's no way plausible that a proper investigation was conducted in less than XXXX.
Product: Checking or savings account

My account was closed due to suspected fraud. I told them i had nothing to do with it that someone must have stolen my bank information. They refused to believe it and after paying {$290.00} to get my account balanced and in good standing, they are still reporting that the account is unpaid and delinquent. I have the receipt that i did in fact pay the {$290.00} on XX/XX/2016 at XXXX XXXX  est.
Product: Credit reporting or other personal consumer reports

XXXX Is the complaint number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Subject : ** FCRA Complaint Regarding Dispute Resolution Exceeding 30 Days To Whom It May Concern, I am writing to formally file a complaint under the Fair Credit Reporting Act ( FCRA ) regarding a dispute resolution process that has exceeded the XXXX timeframe mandated by law. Below are the details of my complaint : XXXX. XXXX XXXX XXXX XXXX - Social Security Number : XXXX - Contact Information : XXXX XXXX XXXX. **Credit Reporting Agency ( CRA ) Involved :, Equifax , Experian, TransUnion ] - Date Dispute Filed : XXXX - Method of Dispute Submission : Online - Description of dispute : validation XXXX. **Violation of FCRA : ** - According to the FCRA XXXX credit reporting agencies are required to complete investigations of disputes within 30 days of receiving the dispute ( 45 days if the dispute is based on additional information provided after the initial dispute ). 
- As of today, [ more than 30 days ] have passed since I submitted my dispute, and I have not received a resolution or any communication regarding the status of my dispute.

4. **Impact on Me : ** - The delay in resolving this dispute has caused [ describe the harm youve experienced,, denial of credit, higher interest rates, emotional distress.

5. **Request for Action : ** - I request that the CFPB investigate this matter and ensure that the credit reporting agency complies with the FCRAs requirements. 
- I also request that the inaccurate information be corrected or removed from my credit report immediately. 
- Please provide me with written confirmation of the resolution of this matter. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX-2018 I submitted a complaint and this has been removed from my credit profile and consumer credit reporting agencies. This is not my account. But USAA has shared my info again with another credit collection agency and I am being called repeatedly. I told the man calling me I could prove I am not on this loan and do not call me anymore he stated that this would not do me any good. I WANT THIS TO STOP! USAA NEEDS TO REMOVE ME PERMANENTLY AND NOT SHARE MY INFO AGAIN I DO NOT WANT THEM TO HAVE MY INFO!
Product: Credit reporting

There is an address in my personal information that I did not live at XXXX XXXX XXXX XXXX, ri XXXX
Product: Debt collection

I have updated information on complaint # XXXX UNITED REVENUE CORPORATION used my identity and fraudulently opened this account and reported these derogatory accounts to all credit reporting agencies. They've violated my rights pursuant to FDCPA section 807 by false and misleading reporting. I've also been violated of my rights pursuant to 15 USC 1692D ( 4 ) just for parking the debt on my credit report trying to get me to pay it. I do not have any contract with my signature on it with this company. I've never done any business with URC nor have I ever given them any of my information, so this is also a violation of my rights pursuant to 15 USC 1681A ( Q ) ( 3 ). I also never gave this company consent to report this alleged owed debt to my credit report, so this is another violation of my rights as a consumer pursuant to 15 USC 1692c ( b ). This alleged owed debt is furnished on my consumer report in a positive amount. It is impossible to pay on a positive balance. This is false and misleading and a violation of 15 USC 1692e ( 2 ) ( A ). Because this debt does not belong to me, nor am I obligated to pay it pursuant to 18 USC 8, I demand that this company cease and desist all communication and fraudulent activity reporting ASAP. This complaint will be forwarded to the Attorney General, FTC, XXXX, and CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

School loan transferred from XXXX to XXXX during government reconstruction of school loans and compete in XX/XX/21. XXXX there was only XXXX on credit report. Recently after applying for a house. This school loan from XXXX appeared in my credit report along with XXXX for the exact same amount. There should only be one school loan active and in my credit report. There should not be any duplicates. Ive tried several times with the credit reporting agency to correct it with no luck.
Product: Prepaid card

My complaint is against Bank of America XXXX XXXX XXXX card. My account was compromised and unauthorized charges were on my statement. It took BofA one year to get this issue resolved after I sent in multiple documents showing that I did not authorize the activity on my account. B of A closed the card and sent me a new debit card however when I tried to activate the card to was unable to as they sent me an incorrect card. In the meantime my claim was awarded and placed back on my account. I received my new card about a week later and by the time I activated it I the money on my account was already gone. Now I was super frustrated. I called the claims department back and let them know there were multiple new unauthorized charges and I was confused as to how it happened when I just received the card in the mail that day. I then filed a new claim and sent in another police report and a report from the ftc stating I was a victim of identity theft plus other supporting documents. With this new claim after waiting XXXX to verify the reciept of my documents they told me they did receive them. I let a week go back to check the status of my claim and they next claim representative informed me there were no documents in my claim. I was confused and asked them why one of their colleagues had told me the other day they received my documents. After looking into my claim I was informed that they were attached to someone elses claim. I have also received numerous documents via email with someone with a similar name. At this point my claim was immediately denied because of their error. I was beyond frustrated and I asked to have it reconsidered. Now in this time frame XXXX had placed a block on my card due to an identity verification. I just barley got this lifted on XX/XX/year> and Bank of America will not release the funds that were placed on my card before their contract was up, and because in their system it has not updated stating that the block has been lifted, and since I just reopened my claim this is going to be an issue. XXXX has informed me that Bank of America will have to contact them to confirm that it has been lifted however Bank of America is refusing to do so.
Product: Student loan

Up until Covid happened in XXXX, my loans were in good standing and paid on time every month through the Florida Dept of Education. I was temporally laid off from my job because we closed for 7 weeks. Under the federal law, ALL student loan payments were put on hold, this includes 0 % interest. At the time I'm writing this complaint, payments aren't due to be resumed until XX/XX/2021. I have recently gotten letters from Allied Interstate demanding payment on my student loans. Today I got a hefty envelope from them stating if I don't repay my loan, in full, they will start to garnish my wages!!! How is this legal??? How are they allowed to harass people about their student loans when there is a law in place the no payments are due!! This needs to be addressed!! Up until XXXX, when the Act took place, I paid my loan every month on time! PLEASE HELP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit freeze, a fraud alert, credit locked, and social security number frozen. i keep getting alerts that i have new accounts. How can that happen? It's always XXXX  XXXX XXXX. I have talk to them over 5 times over the last 3 months about me not applying for this card. They say they will take care of it, but once again XXXX  XXXX XXXX approved a card with a {$12000.00} credit limit. I have also talked to all XXXX credit reporting agencies. Nothing seems to get done. This is starting to effect my health. I am at my wits end. PLEASE HELP!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam XXXXXXXX XXXX acct # XXXX I filed a dispute with all three credit bureau, XXXX XXXX XXXX and Experian on XX/XX/XXXX, all three bureau said the debt was verified by the original creditor. However, I sent a certified letter on XX/XX/XXXX with a return receipt asking the original creditor XXXXXXXX XXXX to investigate the account listed above. I did not receive a response. I have attached a copy of letter I sent to XXXX XXXX, copy of my credit report from all three bureaus showing the inaccuracies which is circled on all credit three reports and copy of the return receipt. How can this account be verified when each credit bureau is reporting this account differently? 
Thanks for your time and consideration in this matter.
Product: Mortgage

My name is XXXX XXXX. Along with my ex-husband XXXX XXXX, we purchased our home in XXXX NJ in XXXX. Unbeknownst to me, my husband took out a second mortgage line of credit for {$75000.00} in XXXX. When we got divorced, the property was awarded to me through the divorce court. As part of the agreement, XXXX XXXX was to continue making the mortgage payments on the property. Since all mortgage bills were sent to his apartment after he moved out, I was not aware of the existence of this second mortgage. I was recently served with legal papers by the holder of this mortgage, Specialized Loan Servicing,  stating that the loan was 15 months delinquent and that the amount past due was {$9800.00}. I immediately began trying to contact Specialized Loan Servicing to discuss the matter, but their agents refused to discuss with me, claiming that I was not the borrower on the loan. I tried again and again, I asked for a supervisor, but could make no progress. I dont see how it is possible that SLS can try and initiate foreclosure proceedings against me, the rightful owner of the home, without even giving me the opportunity to work to resolve the matter. I am not able to repay the full past due amount in one large sum, but would like to work something out. I am the legal owner of the home, and this is a second mortgage. The first mortgage is current and we have no issues and I feel it would be much easier for Specialized Loan Servicing to attempt to work this out with me or to transfer the loan into my name. As it stands now they will receive nothingthey are in 2nd position and my ex-husband is not the rightful owner of the home so I dont see how they would have any legal grounds to foreclose, especially since I am trying to resolve the matter with them. I am contacting your agency to see if you can investigate the actions of SLS and assist in getting this logjam broken and getting the lender to recognize that even though my name is not on this loan, I was the rightful owner at the time of origination, I occupy the home and I am the rightful owner now and I have a court order that proves it. If I was not part of the equation for SLS, why would they serve legal paperwork to me?