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

I Have been a customer with Santander Bank since XXXX, on XX/XX/XXXX, I received a letter that they closed my account, so I went to the bank. The manager there explained that he would not know the reason why they terminated the relationship, only the back office would know. I have 4 accounts, 2 private, 1 regular checking and one savings. On XX/XX/XXXX the manager explained that since the accounts were closed I should be getting the funds within 7 to 14 business days. The 2 private accounts have a total of {$160000.00} the other accounts total about {$3900.00}. I called the 1800 a few times to no avail. I visited different branches of the bank over 4 times to no avail either. 
one of the managers at one of the branches claimed that santander had mailed two checks ( no amounts were disclosed ) but were returned because it was the wrong address. ( I lived in the same address since XXXX, How do I continue to receive letters from santander at the same address they claimed they sent the checks? ) On XX/XX/XXXX I called and spoke with one of the managers of another branch, who suggested for me to write a letter to their corporate office explaining to them that it has been 30 days and I still haven't received the funds. I refused to write a letter is just going to be a waste of time!! 
I really need help getting my money back. It's been 33 days and nothing has been done. 
Please help me recoup my money. Thank You.
Product: Student loan

XXXX XXXX banker pressured me into transferring my Federal student loans to their private student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was called back in XXXX about a debt that I supposedly own by central portfolio control. The caller left a message but did n't state what the debt was, who I owed the debt too, and then failed to send a letter of verification of said debt after 5 days of first initial contact. Central portfolio control then called Monday XXXX XXXX and still did not tell me they were a debt collector or the debt they were trying to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX : # XXXX has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written 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 other 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, credit repair services, or other personal consumer reports

There is an account on my credit report that is aged past 7 years and is still reporting. After 7 years any collections and chargeoffs are supposed to be removed from this report. I have sent nunerous disputes requesting the validation of this account and it says the last time it has been reviewed was in 2018, the credut bureaus lied about their investigation. I want this account removed from XXXX, Experian and XXXX it is aged past 7 years and past 6 years for the statute of debt in the state of Tennessee. It is not supposed to be reporting.
Product: Debt collection

i received a call on XXXX/XXXX/XXXX from a guy by the name of XXXX XXXX stating he was from Nationwide Intermediary Services. he was looking for my ex wife. I told him I did n't have any way of contacting her, he stated she took a loan out on XXXX of XXXX said my name and SS # was also on it and that I was responsible for the debt. I told him that I knew nothing about this and I was not responsible for this debt. XXXX states that I was responsible for it since my name was on it. I once more told him I did n't sign for any loan and I would n't be held responsible for something I did n't do. then he goes to telling me it was in the amount of {$3900.00}, and that with all the charges on it ended up being {$6200.00}. but if I paid it on that day or before XXXX XXXX it would not go against my credit score. then he said I could give him a credit card number are he preferred a debit card that I could pay it off for only {$1500.00} by that afternoon. I told him this is a SCAM! he states no its not they will garnish your wages and revoke your drivers license if this is n't paid. I told him send me an email let me look at it. he then sends me an email and called me back again asking if I was ready to send the payment? I told him I would send a money order or a cashiers check to him.. he states o we cant accept that only credit card or preferred debit card. I pretty much told him to XXXX off. after checking with XXXX of NY they stating this is a scam. also read online other have also been scammed by these people. the number used to call me was ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, California XXXX XXXX XXXX XX/XX/XXXX To : XXXX, XXXX, XXXX Subject : Final Request for Verification and Documentation of Account name : WESTLAKE FINANCIAL SERVICES, Account # : XXXX This Dispute serves as my final attempt to resolve this matter, of the original high credit balance amount owed {$20000.00}, before pursuing legal action. I am writing to formally request the following DOCUMENTS related to my account : XXXX Verification and proof of the bill of sale for the auction price of the vehicle that was repossessed. 

XXXX A detailed statement showing proof of total actual amount of payments made by me from the opening date of the account in XX/XX/XXXX through the present date, XX/XX/XXXX. 

XXXX Proof of the GAP insurance payment amount you received. 


*Please send all requested documentation by mail to the address provided above within 30 days of receipt of this letter. If you fail to provide proof of the requested documentations to me within this timeframe, I will have no choice but to seek legal action and demand that this account be deleted and removed from my credit report. 

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

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Avant has charged off an account opened around 2014, a loan amount of {$6800.00} plus interest accrued until charge off date, which is not known to me. The account may be reported to credit bureaus which is not confirmed as of yet, do not have copy of credit report available at this time. I've requested Avant remove account from credit reporting several times, if reported, past CFPB complaints filed in re, Avant remains evasive about matter as they have not addressed issue in their replies. Their last reply seems to suggest I make payments, payment information provided including number to call, in which case, no payment ( s ) will be made as the funds were never received from loan. I applied for loan, did not receive funds, as explained in prior CFPB complaints. Avant further replied by supposedly opening a fraud investigation, even after account charged off and considering the fact I did apply for loan.. Avant seems to imply fraud is involved, claims to have emailed me information about fraud claim, no such email received to date. Any fraud claim is irrelevant at this point in time, it appears the account is now too old to be reported to credit bureaus, if in fact reported, which is unclear at this time. Avant simply needs to remove account from credit reporting, if in fact reported.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I bought a XXXX XXXX XXXX in XXXX of XXXX. I made payments through XXXX of XXXX when my now ex-wife left with the car. The divorce was final in XXXX of XXXX. She was awarded the car in the divorce. She gave the car back to me in XXXX of XXXX and the insurance company ended up totaling it because it had been stolen and recovered when my ex-wife gave it back to me. The loan while it did have non-payment for the months between XX/XX/XXXX and XXXX of XXXX, it was completely paid off including all interest, as the documentation that XXXX XXXX  themselves sent to me. The paperwork does not say anything about charge off. It says credits were given for missed payments and interest with the monies received.
Product: Debt collection

I ordered an internet service through XXXX XXXX XXXX and the service was disconnected after one month due to incomplete installation ( cable was cut by HOA, XXXX XXXX XXXX did n't bury the cable in front of my house ). 
I paid their service fee and returned equipment to Texas office and I do n't owe anything for them. 

When I call XXXX XXXX XXXX and try to resolve this payment issue, they transfer to different dept which is not relevant to this issue and try to waste my effort.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired XXXX XXXX XXXX as my attorney to represent me in this case in court, they got a settlement agreement for me which I signed and paid off already. I have the proof of the Judge dismissing this case as closed but my credit report still reflects the case as open, which s negatively influencing me. 
I need someone to help me with this I have attached the signed settlement, Order of dismissal, and Notice of completion.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX RE : XXXX XXXX XXXX and IRS cancellation of debt 1099C Heritage Acceptance is reporting income to consumer 's report. The IRS has accepted this as reported income and 1099C cancellation of debt by Heritage Acceptance account number # XXXX was received from IRS. Heritage Acceptance is inaccurate reporting income a certificate of indebtedness to my consumer report. I also revoke or rescind any security interest that I previously willfully given to Heritage Acceptance. I also rescind any written, non written, verbal or/ and, nonverbal signature to share, transfer, sell or assign to non affiliated or CRAs my personal identifying information. I also revoke or rescind my signature on all written agreements. I have attached my personal identifying information such driver 's license and utilities bill. XXXX XXXX XXXX XXXX # last XXXX digits # XXXX XXXX XXXX XXXX XXXX KY XXXX I am not a XXXX  party or credit.
Product: Debt collection

it appears there is a respa violation re pmi mo kickback scheme of 40 % plus alleged late fees being allegedly paid when upon default the pmi reinsurer paid XXXX when the servicer instructed me to default which caused a XXXX XXXX and additional emotional duress they have alleged XXXX is in a escrow account yet i am paying my property taxes directly to the assessor and there would not be any pmi mo or pmi mo late fee ... allegedly every mo the date is XX/XX/XXXX amt XXXX and XXXX ... total XXXX after 12 years.. 

XXXX would have paid XXXX upon default and the servicer instructed me to default XX/XX/XXXX which caused a XXXX XXXX and emotional duress thereafter since they allege they are paying the pmi mo this would indicate the respa violation is renewed so the statute has not expired. 


it looks like they want to be compensated that XXXX amount if the judge should grant them a foreclosure which i am fighting and disputing since they forged all the docs see attached all their docs are forged and they have never verified their docs are legit ... which they aren't everything fabricated by XXXX XXXX and XXXX XXXX XXXX  XXXX a person that alleged to be XXXX was actually a XXXX XXXX  employee named XXXX XXXX ... passing himself off as XXXX the file shows who he is with and then after mediation he made a request for payment of fees ... i was forced to sign out under duress ... see attached file
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX  XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX
Product: Credit card or prepaid card

I used XXXX loan number XXXX for a purchase made in XXXX of 2021. I never signed up for a credit card via XXXX. This is affecting my credit and the process of me purchasing a house. I am not in agreement of the decision made. Please contact XXXX. If this issue is not resolved I will be contacting the XXXX XXXX XXXX and reporting XXXX. I have never had an issue with XXXX until now and I dont believe I should be held responsible for items already payed for using XXXX as well as being responsible for a card I did not authorize.
Product: Credit reporting

I filed for Bankruptcy XX/XX/XXXX. I was discharged under Chapter XXXX XX/XX/XXXX. The bankruptcy trustee did not pay real estate taxes on property within the estate and these have wrongly been placed on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX by emailing XXXX and by phone XXXX to identify the issue Im having with making a payment through their website. It does not let me connect my bank account sometimes and then sometimes it connects then disconnects after. On XX/XX/2021 I was finally able to connect the account so I made two payments {$100.00} and {$51.00}. I received a notification on today my credit report that I was two months behind which is incorrect. I have been emailing and calling with no return response and now my credit is ruin. This needs to be fixed immediately, I have always paid my account on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My card was lost I reported it but Comenity bank refuse to investigate and keep charging me every month {$41.00} in late fees and {$12.00} interest. Thank
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX {$320.00} Open balance XXXX XXXX XXXX  Original creditor has violated my rights. 

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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I requested a refund from XXXX  for flights cancelled by XXXX  which I had purchased with points and $ s on my Chase Sapphire card. 
On XX/XX/XXXX I got an email from XXXX  indicating my refund was complete. 
On XX/XX/XXXX I got an email from Chase Travel indicating my flights had been cancelled and indicating the points and $ s to be refunded. I received the points back the next day but as of today I have not received the credit on my card for the $ s. 
I have sent messages to Chase on XX/XX/XXXX, XXXX and XXXX asking when I will receive my refund but the only response I get is " Thank you for your inquiry. Let us know if we can be of assistance ''. 
It has now been three weeks since Chase received my refund from XXXX  but they have not credited the money to my credit card nor can they indicate when they will do so. There should be a limit on how long I must wait.
Product: Debt collection

Constant calls every day 2 or 3 times a day
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Master Card has not updated the credit bureau with my new balance.

The still show {$10000.00} and my actual balance is {$53.00} and those purchases was made today. My statement balance was {$0.00}. I contacted them several times via email. This was their final response on XX/XX/2023. 
" I'm sorry about this. We temporarily stopped reporting account updates to credit bureaus while we updated our technology because we didn't ' want inaccurate information going out. I'm sorry for any inconvenience and your frustration. The credit bureaus will begin to receive and report updated account information during the month of XXXX. 
We recognize that you've recently made a payment, your payment should reflect in your credit bureau report within 30 days of the payment date. 
We apologize for any inconvenience and appreciate your patience. '' XXXXXXXX XXXX XXXX the same thing, credit bureau not updated with new balance. They have {$6100.00} on my credit report when my statement reflects {$1500.00}. 
I contacted them also via email, was assured the credit bureau would be updated by XX/XX/2023. 
I have screen prints of conversations of both lenders.
Product: Debt collection

Year XXXX it was said that I purchased a vehicle of the lot of XXXX XXXX XXXX XXXX this company let someone come on and put a car in my name using all false information. I dont have a contact a vin number no information to even report it stolen to get this situation handled Ive called multiple times no one can assist me only telling me I have to pay this debit that I didnt create. A XXXX XXXX
Product: Credit reporting or other personal consumer reports

Self Financial/Lead Bank has failed to properly investigate a dispute I sent last month, my dispute was closed out with a general response but did not notify credit reporting agencies of dispute nor did they check the inconsistencies across all three credit reporting agencies that was spoke of in the dispute, According to the FCRA, Self should have did a proper investigation of dispute to check for any computation errors and or review credit reporting for the consumer account, Self failed to do any of these things and the credit reporting is still inconsistent. I am demanding this CC account be removed and {$1000.00} in damages for willful non compliance of the FCRA that ultimately damages my consumer report. Im looking to hear from you soon.
Product: Credit reporting or other personal consumer reports

Complaint for CFPB Subject : Complaint Against Equifax for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> XXXX I have previously disputed the accuracy of this charge off account with Equifax and provided evidence that the information is inaccurate. However, Equifax has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax refusal to comply with this law is a clear violation of my consumer rights.

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Equifax upholds its obligations under the law.

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

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT OF ED/XXXX, USDOE/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX
Product: Credit card

There are credit cards opened under my name, and I believe its fraud. 
1. XXXX XXXX XXXX ( XXXX ) - Opened XXXX2023 ; Limit : {$1000.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX, Phone # : XXXX 2. XXXX XXXX XXXX XXXX XXXX ) - Opened XX/XX/XXXX ; Limit : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, Phone # : XXXX And there are inquiries as well : 1. XXXX XXXX - XX/XX/XXXX 2. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX Incorrect personal information as well : 1. Name : XXXX XXXX - should be XXXX XXXX 2. Address : XXXX XXXX XXXX XXXX XXXX NY XXXX ; should be XXXX XXXX XXXX, XXXX, CA XXXX Please find attached police report with XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reason : I don't recognize this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reason : I don't recognize this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reason : I don't recognize this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reason : I don't recognize this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reason : I don't recognize this account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file.