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

Santander has completely dropped the ball!! I called in XX/XX/XXXX and escalated a concern, regarding a gap refund. My refund from XXXX was sent to them in error, at the time of my trade in. I wasnt aware/informed until this current week. I spoke with XXXX, who advised she will escalate to the XXXX XXXX She also mentioned call by friday if I hadnt heard back anything. I provided the check number : XXXX issue date : XX/XX/XXXX amount : {$420.00} cashed by Santander : XX/XX/XXXX. I was advised on my follow up today XX/XX/XXXX to contact XXXX, they would be issuing a prepaid debit card! I asked what to provide to XXXX, to which a supervisor confirmed, provide Santander account number! XXXX was unable to find me. I conferenced in Santander on a 3rd callback! To which an associate advised, its no longer their responsibility, to issue funds. Upon speaking to a supervisor, after an excessive hold. He advised I was misinformed, the check wasnt cashed, XXXX  would be reissuing the check. He never apologized for my experience, lack of consideration for my time, or the excessive hold times. He placed me on a few holds after advising hed have some sort of reference or confirmation the communications were sent to XXXX. When I asked for that, he denied saying that. He stated to expect to receive it in 30-45 business days! Im tired of all the back and forth, and inefficiencies in their communication. This refund needs to be expeditiously processed!!! The calls regarding this escalation from XXXX need to be reviewed for feedback!!! This company has completely failed in their service!!
Product: Student loan

I made a payment to XXXX on XX/XX/XXXX in the amount of {$12000.00} which paid off 5 out of the 8 loans I had. The active loans left were transferred over to EdFinancial. I requested a refund on the voluntary payment I made in XX/XX/XXXX as I qualified for a refund due to XXXX. I requested the refund from XXXX on XX/XX/XXXX as I was told by my current servicer ( EdfFinancial ) that since that payment was made prior to my loans being transferred that XXXX would handle the loan. I confirmed the request was in and received notice dated XX/XX/XXXX that the loan refund was in process and it would take 2 months to receive it ( I have attached the notice for reference ). It got close to the 2 month mark and XXXX eventually told me there was no loan refund request in their system. I was told I had to speak with my current servicer to get the refund/ I went through a circle the week of XX/XX/XXXX because I kept calling EdFinancial who told me they couldn't refund it and then call FedLoans for them to say they can request the refund. I ultimately was able to get a refund request put into EdFinancial. I previously submitted a CFPB complaint about the inaccuracies and discrepancies with refund timelines on XX/XX/XXXX where XXXX then responded on XX/XX/XXXX ( after I found out that my loan request was nowhere in their system ). They said they transferred my " paid in full '' accounts to EdFinancial and that they have the refund request I previously made. I spoke with EdFinancial on XX/XX/XXXX and they only had the request I remade on XX/XX/XXXX in their system. Essentially I waited 2 months assuming XXXX was processing my refund to only be told that nothing was done and have to start from square one with XXXX. It seems as though both providers can me inaccurate information and it has resulted in a larger delay in receiving my refund. This is unacceptable as now EdFinancial refuses to give a timeline on when to expect my refund and some of the representative who had said it will take a minimum of 150 days from the day I requested the refund from them and not when I requested it from XXXX  which I was told would transfer.
Product: Checking or savings account

Citi Bank notified me in XX/XX/year> that my accounts would be closed. I was not given a reason. I was customer for over 30 years. I never did anything wrong. my accounts were always in good standing. 

My checking account, my home equity line of credit, my credit card were all closed for absolutely no reason. 

My son 's account, we have similar names and same address was also closed with no reason given. 

I've suffered XXXX months of aggravation and hardship changing over banks and changing close to XXXXXXXX XXXX XXXX. A couple of XXXX XXXX changes resulted in late payments to utility company 's. I pride myself on never being late with a payment! XXXX has been paid monthly in full for over 49 years!!! My FICO score is XXXX!!! 

my wife 's credit card at XXXX which is run by Citi was just closed yesterday. 

Citi Bank personnel were rude, unhelpful and arrogant.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B necessitates the removal of inaccurate accounts from my credit report. Can you review the documents? Some listed accounts have wrong amounts and dates.
Product: Mortgage

I was approved for a grant through the Federal HAF program. My principal balance is only {$14000.00}. 
Midland Mortgage sent a message to Texas HAF that they required a payment of {$14000.00} to bring my loan current. HAF sent the payment amount of {$14000.00} that Midland Mortgage received on XX/XX/2023. Midland Mortgage refused to post the payment to my loan for 23 days. I made several calls and complaints to Midland Mortgage during those 23 days and repeatedly asked to speak to a manager but was never able to. Midland Mortgage finally posted the payment on XXXX, but are now saying that I still owe over {$9000.00} for my principal balance and that my loan is past due for 2 months!!!! Midland Mortgage has been charging me erroneous {$20.00} fees when they are not supposed to be charging ANY fees while my loan is under HAF review. Midland Mortgage needs to adjust my loan by waiving all late fees, erroneous " other fees '' and reapply the entire payment to my principal balance. The whole point of HAF is to help homeowners bring their loan current and help with 3 future payments until the homeowner is able to get back on their feet. Midland Mortgage has caused me and my family severe stress since I applied for the program back in XXXX. I just want my loan balance zeroed out and I will pay my own taxes and insurance at the end of the year. I want my lien released.
Product: Mortgage

After spending almost a year in an attempt to request short sale of my only rental property from WF Bank, I gave up and requested a Deed In Lieu of Foreclosure. WF finally approved the DIL after 8 frustrating months. In their approval paperwork, they stated that the property needed to be vacated by XXXX XXXX, 2015. I received this paperwork on XXXX XXXX, 2015. Since this is rental property, I am required under law to give my tenants 30 days to vacate. This is compounded by the fact that my tenants are XXXX and XXXX. XXXX XXXX was a XXXX, so I could not serve my tenants with a vacate notice until the following XXXX, XXXX XXXX, as I live out of state. I served my tenants with a notice to vacate by XXXX XXXX, and advised WF Bank as well as their law firm of the lawful date change. Today, XXXX XXXX, I was advised by WF via telephone that my DIL dispo was changed from approved to denied, because of the vacate date change. They expect me to break the law and force XXXX XXXX people into the street? I am not callous and I wo n't break the law. I do n't understand WF 's tactics.
Product: Debt collection

On XX/XX/XXXX, I sent XXXX XXXX a certified letter, requesting validation of a debt they say I owe ( {$320.00} ). The said letter was received on the XX/XX/XXXX. In  that letter, I asked that the debt be validated within 30 days ; however, I never got a response from XXXX XXXX. As stated in such letter, if the information could n't not be validated within the 30 day time frame, it should be removed from all three bureau 's. Because they failed to respond to my request within the timeframe, that is a direct violation of my FCRA RIGHTS. I am asking for resolution by way of removing this account from all three reporting agencies. 

Thanks kindly,
Product: Vehicle loan or lease

I, XXXX XXXX XXXX entered into a consumer credit transaction with Schools First Federal Credit Union for the purpose of obtaining property on credit on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defined the finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but Schools First Federal Credit Union made me purchase it separately. Schools First Federal Credit Union also failed to provide my with the proper rescission forms.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022 Experian Credit Bureau dropped my score by XXXX points from XXXX ( XXXX ) separate collection notations but ALL XXXX from same collection company for the same original creditor XXXX XXXX . All XXXX items {$75.00}, {$330.00}, {$190.00} could not be mine because I was not present in Colorado at XXXX on alleged service dates! I've requested the XXXX items from the same company be removed deleted immediately but Experian Credit Bureau refused! Last year the same collection items were listed, I disputed & they were proven inaccurate & DELETED. Now, XXXX later and the same XXXX items from the same collection company are listed AGAIN! The collection company refused to remove or verify the debt. Experian refused to verify and delete the false claimed debt! Please help?! I thought it was over last year but now it's back. I don't know what to do?! Also, isn't medical debt under {$300.00} or {$500.00} NOT allowed to be listed on credit report by law?? Even if it is allowed, it's not me or my debt & was already removed last year but now listed AGAIN. Please help me know what to do?!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian was notified the my XXXX XXXX XXXX account was paid in full last month. I also sent them documentation the the loan was paid in full and there should be a {$0.00} balance. They still have not resolved or updated my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

If the validated debt was accurate it wouldve been accurately reporting across all 3 credit bureaus. This is ground for removal they violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


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Product: Vehicle loan or lease

Since the beginning I was getting a high interest rate ( over 18 % ), when the seller show me the monthly payment it was calculated over a 21 % instead of the 18 %, I complained about it and they were supposed to adjust it, after some papers done I was unable to get the money for the down payment and the insurance was really high and I call them to cancel the deal, but they refused and told me I should give them the down payment or it will create a bad record on my credit history, by the way I never got the car, I tried to contact them to pay a fee to cancel the deal but they refused again.
Product: Credit card

Someone used my old debit card that had been previously canceled to order from XXXX, and the transaction went through my new VISA card. I called Wells Fargo to report the claim, and they contacted XXXX and did not find anything, which they denied my claim. I even contacted XXXX, and they found out that someone else did purchase items with their account and used my credit card with my name on it.. The items were ordered on XX/XX/year>. The total purchase was {$190.00}.
Product: Debt collection

I had a mortgage with Chase for my property for over 12 years ... ... Chase sold the mortgage to XXXX XXXX XXXX. I keep seeing a reoccurring charge for the amount of {$7400.00} ... .labeled as Corporate Advance. I have tried numerous times with verbal communication with XXXX to explain this charge ... ..I have sent them 2 written requests for information regarding this charge. I have requested in writing for time sheets, explanation of charges, the name of the law firm along with the attorney who handled the case. I have gotten nothing and nowhere when I have requested info on this charge ... ..and have been ignored.
Product: Prepaid card

Company would not let me use my government issued ID from the VA to unlock my account they said that they had a fraudulent charge on my account so they locked it which I did not have a fraudulent charge and they will not let me open my account they will not let me transfer it they will not let me close it to touch my money I have already lost my house and my vehicle because of this and I still can't touch my money I have an appointment for the DMV to be able to get a state issued ID but that's not till XXXX I need my money
Product: Mortgage

Wells Fargo has tried to swindle me! I put in an order to change my monthly loan payments from my Wells Fargo checking account to my XXXX checking account. They charged both accounts for the same payment on the same day! Fortunately, the old account was empty, because I am in the process of closing it. So, they withdrew the payment from XXXX account and charged me an NSF fee for the other. They admittedly had every intention of keeping the money from both accounts! In addition, they told me that in case the first order did not go through, I should order another payment, which I foolishly did, but on the federal credit union account, not the old WF checking account. I am waiting to see if they attempt yet a third payment. This is clearly a scheme to steal money from their customers by way of fees and duplicate payments.
Product: Credit card

My XXXX year old mother passed away recently, after having had an at & t/universal/citi credit card since 1990. Concerned with eliminating any chance of fraud, I called the XXXX number and canceled the card. In the process of canceling the card, I noticed that there were XXXX available reward points on the card with a value of approximately {$250.00}, so I asked if I could collect them, if the card was canceled. The answer was yes, cancel the card, and log in to the website to redeem the points. However, once the card was canceled, I could no longer log in. So I called back, only to be disconnected twice, after explaining the problem, being asked if there was a will and being left on hold several minutes. The third time I called, I was told that when you die, you forfeit your points. This is not a significant amount of money to us, but I believe it is real money, used as an enticement to gain business, and should not default back to the bank. When this policy is amplified on a national basis, it becomes a very significant amount to the bank. 
In addition, in the initial call, I was told we would receive a final bill, which I indicated we would pay. The final bill never came. Instead, we receved a letter from a Delaware collection agency regarding my mother 's unpaid bill. This part is just bad policy on the part of the bank, but the required forfeiting of the rewards points I would consider to be outright fraud or theft, very similar to the charging of fees on gift cards until they devour themselves, which I believe has since been outlawed.
Product: Credit reporting or other personal consumer reports

Equifax, im sending you great progress that XXXX COMPLETED TODAY, They Knew what I was going through I lost my job during the XXXX crisis how could anyone pay for anything without a job.they seen that I settled the XXXX XXXX XXXX  account on XX/XX/year> and they didn't want to interfere with me not obtaining a mortgage What I seen from XXXX that there are still good people in this world. XXXX ROCKS!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The item i need deleted are listed in th credit report. I am a victim of identity theft and did not make the charge. I have contancted the Creditor and tried to have these item removed time after time. Because of this negitive item i havent been able to get approved for a home nor a car considering i am a single father who needs transperation to make sure my child has everything she needs. Please delete these item as soon as possible.
Product: Money transfer, virtual currency, or money service

Commencing on or before XX/XX/year>, I fell victim to two multilayered scam operations to run by XXXX XXXX done clone which involved me making deposits fora total amount of XXXX XXXX  from my discover Bank account to fraudulent investment firm ( XXXX ). I will attach the whole scenario from my file.
Product: Student loan

Student loan under DPT ED/OSLA - account open. Balance {$3400.00}, highest balance {$2700.00}. Date of last payment : XX/XX/XXXX. Opened XX/XX/XXXX. Last reported XX/XX/XXXX. I have never taken out a student loan and this is false information.
Product: Debt collection

for several months we are getting calls from Harris and Harris several times a week. We did call back XXXX, the debt belonged to someone else who does not live or has ever lived at that phone number. we informed them and asked them to stop -to no avail
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) (
i ) ( 3 ).
Product: Mortgage

I changed insurance companies in XXXX. I went XXXX per year to XXXX. Shellpoint Mortage will not change my payment. I have contacted them 8 times. The say they are going to take care of it. In addition they said the paid my insurance but XXXX has no record. I am behind XXXX payments. I have offered to pay XXXX payment. But I am having trouble making the payment because I am making the house insurance payment because they were going to cancel. Please help me
Product: Debt collection

Flagship calls me every day up to five times a day every time I am late on payment. Even, after I advise them I can not make the payment until a specific date ( the day I get paid ). Last week they contacted me at work.