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

I previously contacted Santander, XXXX XXXX XXXX XXXX XXXX disputing the error on my credit file that was posted without my consent. I strongly believe that the companies associated with this account have committed a major crime and should be rep-remanded for it and I am not happy about it. I have been tremendously affected by the credit breach each of the companies listed above is in dealing with placing errors on my credit report without my consent and no one of these companies contacted me. Please show me any phone calls you have tried to contact me before and after the credit breach. Ive stated facts in my previous dispute letter only to receive a response that my dispute to remove this fradulent error was declined. I dont appreciate unprofessionalism on any levels. I am unaware of the accounts listed below and have never open any accounts to deal with such a company called Santander XXXX XXXX XXXX XXXX. I am unaware of the accounts and I demand that it is removed immediately. If this error isnt removed by XXXX/XXXX/XXXX, I will be taken legal actions on this account and any companies involved. I have contacted my lawyer and looking to move forward on this case. I have sent you a previous good will letter for a response but you decline my dispute and now I am forced to take legal actions. 

Santander XXXX XXXX XXXX
Product: Debt collection

I received a letter demanding payment for an electrical bill for an old address during a date that I did not live at that address. The amount is for XXXX. They did not send me any evidence of this bill in the past, which was dated at XX/XX/2016. False claim. This was not on my credit report either. Seems completely fictitious if valid. If valid, it is not my debt.
Product: Checking or savings account

Capital one bank switched to a 3rd party for their bill pay, without notifying customers properly. Due to this, my property tax went to the WRONG address. They are unwilling to put this money back into my checking account so I can pay my PROPERTY TAX. I am a XXXX living on a fixed income. I do NOT have disposable income to pay this bill again. I've also incurred late fees. bill was originally paid on XX/XX/16 which is more than enough time for this to arrive on time. On XXXX, I received a Letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana , stating that they received my payment in error. They deposited it, but realized the mistake. They contacted Capital One who took the money back, BUT they have not refunded MY MONEY to me, I have a copy of the letter I received from XXXX XXXX XXXX XXXX, along with the attachment they sent. I've spoken to 15 different people at capital one, both on phone and at a location. XXXX called me from Capital One telling me I am NOT the only one this has happened to. when they transitioned to the 3rd party for bill pay, these errors occurred with others as well. This is a BANK ERROR! I need to pay my property tax now. I am sick and tired of dealing with this. I'd like this resolved without going to an attorney or the media, but that may NOT be possible. Can you help me resolve this issue? I have the name of every person I spoke to. I also sent them copies of what I received from XXXX XXXX XXXX XXXX numerous times, to the email address they gave me ( XXXX ) both via email and at the branch I went to. This is causing a hardship to me, as well as much stress and XXXX I have lived in the same house for 20 years and would NEVER send my Property tax payment that I always pay to a XXXX, Texas address to another state. One dept. doesn't know what another is doing, or I am being blatantly lied to by all these people. they claim to NOT be able to see the attachments I sent which I also brought to the bank and they made copies at the location as well. I am so frustrated it is beyond words now. I am XXXX and stressed to the max and do NOT know what to do. I need help!
Product: Debt collection

I keep getting calls from different numbers claiming to be HSBC or Household representative bank and they are trying to collect a debt from a credit card they claim I " may have had '' prior to bankruptcy. I told them my bankruptcy was settled and paid and there were no outstanding debts, they insist I owe this and the bankruptcy only paid interest and not the principal. They keep saying the woman XXXX XXXX is my contact. She keeps claiming cops are coming to my place of work to arrest me, they've even called my husband. the most recent number is XXXX and they will NOT mail me anything that I ask for,
Product: Credit reporting, credit repair services, or other personal consumer reports

All students loans accounts were consolidated as one, and still to this date is showing multiple accounts ( 16 accounts ) as open delinquent with no balance on them. I reached out ( called ) Experian to confirm why those accounts would still showed all like that and they told me to send mail evidence. Last month ( XXXX ) I send a letter to XXXX XXXX directly to inform the discrepancies and they just send a letter confirming there were no pending balance, but have not done anything else.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello, Im having issues with my GM FINANCIAL account, its the only thing with holding me from a mortgage loan, I was having issues with my bank account in XX/XX/XXXX and XX/XX/XXXX, my debit card had been on a breach I had no access to my account I couldnt even use the ATM, that is why there was a 30 day late payment as far as XX/XX/XXXX I was over paying prior and when i saw my statement it said XXXX is due at the time but you still have to make a monthly payment so I was confused. I have typed a letter to the company explaining my situations Im just hoping to get this cleared up
Product: Money transfer, virtual currency, or money service

I finally received favorable appeal decision from Texas Workforce Commission and a $ XXXX direct deposit back payment was issued from XXXXXXXX XXXX  on XX/XX/XXXX. 

Axos Bank has refused to release those funds, ignores the fact that XXXX affirms the transfer is complete on their end. 

This action by Axos bank; taking my $ $ hostage, should be grounds for drastic action and accountability!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXXXXXX XXXX XXXX and upstanding citizen. My wife and I wanted to bring about positive change to our environment. Set a good example for our children. We wanted to be a part of change and ensure economically we would see some benefit down the road. We purchased an electric vehicle that has now been lemon-ed and purchased solar panels whom we believed to be a reputable company due to their relationship with many large organizations like XXXX. 

Goodleap  formerly Loan Pal was the lender for XXXX XXXX formerly XXXX XXXX XXXX. 
This lender is a predatory lender by definition, as they were continuing to provide loans and funding for services that were under investigation by a company that was being reported to them consistently. They continued to lend at higher rates than the market average and continued to allow XXXX XXXX staff to manipulate data to push these loans through. They performed no safety or secondary accountability measures that would be expected for a loan of this size. 

When the Attorney General of XXXX  stated for consumers to stop paying, they then reported our account to our credit agencies even after disputing the account, my excellent credit history has now been significantly damaged. 
I am now ineligible for certain career options I was attempting to inquire on. 

My system is still not functioning as detailed when contracted. Our system is considered a fire hazard as it was built inside the home without the required fire wall and equipment necessary to ensure the home is protected from damage. 
There is damage to our roof. The batteries are no longer producing as expected. 
XXXX XXXX XXXX XXXX has declared bankruptcy, therefore their warranty is now non-existent, which per the contract is supposed to go to Goodleap, and yet they are continuing to state they are not responsible for getting our home safe and will not settle the debt with us, so we can use our own funds to ensure our home and family 's safety. 

Meanwhile, XXXX has a role in this as well, as their equipment is faulty and they have done very little in ensuring this is addressed appropriately. 

We are stuck with a loan for equipment that is not safe, has brought damage to our home, and has not saved us any money on our energy consumption or costs. 

It was only after stopping payments as advised by XXXX  Attorney General, that they finally sent someone out to look at our system. However, we then agreed to pay in hopes of getting our system fixed or a settlement as even XXXX whom they sent out already stated it was not up to fire code, and could not fix the issue we were having. 
They still submitted notice of non-payment even after we paid to the XXXX credit bureaus.
Product: Mortgage

I applied for a cash out loan with Quicken/Rocket mortgage I was quoted a 3.25 % interest rate with 75 % LTV and my current XXXX score at a 1 % charge. I locked in the rate and moved forward. My appraisal came in low and rather than reaching out to discuss options with me they sent a new loan estimate with almost 3 % being charged for the same rates everyone else is charging 1 % for. I received other quotes and locked in with another company for same rate and less than a point charge. I have a 2 part complaint 1 ) when I escalated my XXXX deposit to be returned due to non communication i was told when I emailed and asked for my loan to be withdrawn because of the issue and no communication it was my fault I did not ask for options and that it was my job to reach out to them and discuss options when i received the loan estimate..EXCUSE ME this is the lenders job they should be discussing any changes with clients before making them period and reaching out within a 24-48 period to discuss options - they dropped the ball and want to put it back on me, the consumer - I want my XXXX refunded they did a terrible job at communicating. part 2 of complaint I feel the excessive charge in rate should fall under predatory lending practices they should not be able to charge that much more for the same rate available any where else for so much cheaper. In fact I locked in same rate with higher LTV at 80 % and same XXXX  score. 
i emailed XX/XX/XXXX after waiting at least a week if not 2 weeks to hear from them, escalated deposit issue on XX/XX/XXXX and received return call today XX/XX/XXXX XXXX
Product: Debt collection

In XXXX of 2015 I finalized my divorce which included child support to begin in XXXX of 2015. I began to pay as ordered but the office of the attorney general in Texas did not accrue my payments. The matter was settled at a meeting at the child support office and an order was issued to correct the matter. However the Child support office refused to acknowledge their mistake and has left the problem notation on my credit records. This record has no basis and it should be removed.
Product: Checking or savings account

I opened a Bank of the West checking account online because the Company offered a {$150.00} bonus for any new checking account customer. The online banner never mentioned a code that needed to be entered with the application. Once I clicked on the link, it took my information and told me I had successfully opened a new checking account. 
The account was opened in XX/XX/2018. 
I initiated direct deposits from my employer to my new BofW checking account. I also completed the ten ( 10 ) qualifying debit purchases before XX/XX/2018, as required by the online marketing materials. I also called the Bank before XX/XX/2018 to ensure that I had met all the requirements. I was assured multiple times that I had met my end of the bargain. I was told to sit tight and wait for my {$150.00} bonus to get processed. 
I called the Bank in late XX/XX/2018. 
I was told that my {$150.00} bonus would likely be paid on or around XX/XX/2018. 
Once that date passed, I continued to call and they explained that they were undergoing delays with this marketing campaign. 
In XX/XX/2018, I was told that my {$150.00} bonus would likely be paid by XX/XX/2018. That day passed, and they told me that any further inquiries would need to be handled directly by the XXXX XXXX, CA branch. 
I have never been to the XXXX XXXX, CA branch. I live two ( 2 ) cities over and apparently was assigned to this branch, though I had opened my account online. Had I been given the option, I would have selected a branch closer to my work, where I do most of my banking. 
In midXX/XX/XXXX, I was told that XXXX at XXXX XXXX said that my online application never included a promotional code and as such I was not eligible for my {$150.00} bonus. She told me that only the Bank of the West XXXX XXXX XXXX XXXX could waive that requirement. 
I called the XXXX XXXX XXXX and I spoke with someone at Bank of the West who indicated that the XXXX XXXX XXXX did not want to speak with me. They sent me back to XXXX XXXX, CA and stated that the branch had to decide whether or not to waive the online promotional code violation. 
It's now almost XX/XX/2018 and I keep getting the runaround. 
I last spoke with XXXX at the XXXX XXXX, CA branch and she told me that because I had complained, she could no longer address my concern. 
What is a U.S. consumer to do when a bank like " Bank of the West '' doesn't honor it's own marketing materials for opening a new online checking account? 
Please advise.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and concern regarding the presence of late open accounts on my credit report. Despite my initial dispute and the provision of supporting documentation, these late open accounts persist, negatively affecting my creditworthiness. At that time, I provided all the necessary documentation to demonstrate that these late payments were not valid or were the result of extenuating circumstances. However, despite my efforts, these late open accounts continue to be inaccurately reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and up-to-date credit report. The presence of these late open accounts not only violates the FCRA but also undermines my ability to access credit, secure loans, and make sound financial decisions. I kindly request that your agency conducts a thorough and comprehensive reinvestigation into these late open accounts, reviewing the documentation I have previously provided and any new information that may be relevant. Please help me remove this accounts immediately : DP OF EDUC XXXX : {$19000.00} ; DP OF EDUC XXXX : {$17000.00} ; DP OF EDUC XXXX : {$14000.00} ; DP OF EDUC XXXX : {$11000.00} ; DP OF EDUC XXXX : {$4100.00} ; DP OF EDUC XXXX : {$13000.00} ; DP OF EDUC XXXX : {$4200.00} ; DP OF EDUC XXXX : {$4000.00} ; DP OF EDUC XXXX : {$3800.00} ; XXXX XXXX Balance : {$320.00}.
Product: Credit reporting or other personal consumer reports

I

n accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these accounts : 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Money transfer, virtual currency, or money service

When I make my XXXX  XXXX XXXX XXXXXXXX  Utility Payment through XXXX Western Union Authorized Payment Recipient my payment registers one-cent short which entitles XXXX  XXXX XXXX XXXX to log me in their records as paying late. This not only affect my payment with XXXX but with the Credit Bureaus. The answer I receive from Western Union is that there is nothing they can do to correct the problem. The answer I receive from XXXX is to pay more so that I will have a standing CREDIT BALANCE to cover the Monthly one-cent not being accepted at correctly at their Authorized payment recipient Western Union please this has happened on various occasions the latest two being XX/XX/2021 and today XX/XX/2021. The clerk @ the XXXX Western Union pay station was nice enough to provide SCREEN-SHOTS to various that the correct amount were being entered into Western Union System but not on the actual payment Invoice Receipts given to me. I can be reached at ( XXXX XXXX XXXX cell or ( XXXX XXXX XXXX landline. Im giving You authorization to leave messages at either or both numbers listed above. Your attention to this matter will be graciously appreciated. At this very moment I have been holding after being placed on hold by the West Union XXXX XXXX for over 91-minutes I would like BOTH Western Union and XXXX XXXX XXXX XXXX  to receive any documentations you forward to Western Union
Product: Credit reporting or other personal consumer reports

I downloaded a credit monitoring app. To my surprise I seen accounts that did not belong to me. This included credit cards as well as a loan. This included XXXX XXXX XX/XX/XXXXXXXX,XX/XX/XXXX midland credit managem andXX/XX/XXXX I have no knowledge of these accounts. Ive been contacted my dept collectors. I have tried to explain that I know nothing of these accounts however I continue to be contacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$350.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Please delete these accounts ASAP. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports : XXXX XX/XX/2022 and XXXX XXXX XX/XX/2022.
Product: Credit card or prepaid card

See complaint XXXX. As stated in the complaint, check was allegedly sent. But I've see this claim before and that's the reason for the multiple complaints. Don't understand why this would get closed with out verifiable information that the company has followed through. Is the cfpb paid off by these big financial institutions to not actually investigate these wrong doings? Why have the cfpb if they are going to do anything and hold these institutions accountable. 
Complaint is opened so we can confirm the business does what they say. They didn't before. Actions speak louder than claims.
Product: Credit card or prepaid card

Care Credit ( Issued by Syncrony Bank ) did not inform me that when I signed up to use it that it was a promotional interest charge for a set period of time. The time had past, and they hit me with a significant interest charge on a small amount. The other problem, is as the " Credit Card '' is paid down, it gets reported as, " my credit limit was decreased '' which is harming my credit, and now that the interest has hit, I am now " over my limit '' and being charged over limit fees. I do not understand why it is being reported as such, i have never missed a payment with them, always paid on time.The initial credit line should never have changed, and if it was designed that way, it should be a simple interest loan and also reported as such, with this new interest charge, I definitely should not be charged any over the limit fees, or be reported as such. This blatant robery and greed. When I tried to reach out to them, they were rude and did not try to help at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/2022 I sent a letter for the inaccurate accounts on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate these items gives me a reason to immediately repair or delete the items from my credit report, they should be promptly corrected. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The information, therefore, needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be corrected immediately : XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX student loans were transferred to Nelnet in XXXX. Total is near XXXX and my fresh start save application was approved prior to the transfer. 
Nelnet made up a loan I do not have for XXXX and growing on my credit report XXXX per month. 
I do not have A loan in that amount. Nelnet and XXXX did not do their due diligence as required by law. Screenshots from my account on both the lender and servicers portal .They report XXXX originally XXXX and now owing XXXX with interest accruing for 240 months. My loans are are not consolidated. 
I lost a car loan in XXXX due to this and was denied credit specifically due to my monthly obligation and utilization. Approved 15 days before. This went on and ruined it. I want it fixed. I expect compensation either voluntarily or in small claims court