23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

You received my dispute regarding some transactions and late payments that you and SANTANDER furnished to my consumer report and when I disputed these exclusions using the FCRA I received a response from you XXXX, stating that the account was verified!!! Of course this puzzled me when I never asked you for verification I simply told you that I was aware of the laws you were breaking. for example, how can you validate a dispute regarding information that is excluded from the consumer report? The law says transactions are not apart of my consumer! So how can you validate a late payment? DO YOU STILL FALL UNDER THE FCRA LAWS? DO THEY KNOW YOU ARE WILFULLY VIOLATING THEY LAWS AND MY RIGHTS? OR DO YOU JUST NOT CARE? 

Further more lets take a look at 15 USC 1666b ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.

I am requesting all information pursuant Rule 1002 on 15 USC 1666b and the procedure that was used to authenticate accuracy ; What reasonable procedure that you have adopted designed to ensure that each periodic statement including information required by section 1637b was mailed or delivered to the consumer not later than 21 days before the payment due date.

The only way for you to validate a late payment is to ensure that 15 USC 1666b was done in compliance METRO2 compliance and FCRA compliance!! to the specifications of the law 15 USC 1666b! Further more this process must be certified by an agent that the information is accurate. Just because a creditor reports it to you don't forfeit your obligation to follow the law!

I am requesting the Certification of accuracy and the agent/s that were involved in the certification process, that certified that the information is complete and accurate.

Failure to provide this information clearly admits that proper steps and certification was not done in compliance with the law 15 USC 1666b, SANTANDER & XXXX have fraudulently verified an account without a reasonable procedure as required by law.
Product: Student loan

I called Navient to continue my rate reduction plan and they had me on the phone for almost an hour and most of it was on hold. They would n't include my pet food and other necessities. The supervisor I spoke with was very rude and he told me to call back again after I had already spent an hour on the phone. He was n't helpful in trying to accommodate our financial difficulty. Our payment is currently {$240.00} and he said we needed to start paying the full amount of {$430.00} which is about a {$200.00} increase that we have to unexpectedly pay. We wanted to continue the rate reduction for at least another year. The interest will also go up as will the payment. When we first took out the loan we did not know what we had gotten ourselves into. All the fine print and legal terms are not legible to a lame person who is not knowledgable with legal terminology. I believe this is how these corporations take advantage of people.
Product: Checking or savings account

While in the process of closing an existing savings account and requesting the balance be transferred into my 49 year old checking account on XXXX XX/XX/2022, a Bank of America associate inadvertently closed my checking account. I contacted BOA immediately to report the problem, and subsequently on three different occasions between XXXX XXXX XXXX XXXXo request my checking account be immediately reopened. Although I was promised by numerous BOA associates and a " floor supervisor '' the problem would be resolved, BOA went through a series of steps to reopen, then re-close my checking account, while subsequently taking the balance in my checking account, and reportedly mailing me a check for the balance ( I have not received ), and leaving the " now '' re-opened account with a {$0.00} balance. As a result I've been left without any access to my money, unable to make ATM withdrawals, or use bill pay to address outstanding bills. BOA was easily able to close my account against my instructions, but unable to reopen my account quickly at my express direction thus putting me in a very precarious financial position.
Product: Credit card or prepaid card

I checked my credit report and saw two late payments reported for XXXX and XX/XX/2019. I contacted capital one to let them know I needed the payment plan for a couple months as a transitioned to a new job after the death of my wife. I never received any correspondence via email or by mail so I assumed everything was copacetic. Now im in the process of purchasing a new home for my kids since their mother passed away due to XXXX and these late payments appeared.
Product: Credit card or prepaid card

Timeline : XX/XX/2022 : I opened a Discover Secured Credit Card with a {$200.00} deposit XX/XX/XXXX : Was told I did not meet tax requirements, and card would not be activated, and money would be returned. XX/XX/2022 : I called customer service, and was told that the reimbursement would take up to 60 days, and to call back then. I asked them to let me know when the time was near, as I would be changing addresses. End of XXXX : I had not heard from Discover, so I reached out ( knowing the date was approaching ). They then told me that a reimbursement check was sent to my former address. I asked them to cancel this check and send to my new address ( which I gave ), and was told shipment would take 10-14 business days. XXXX ( 2 weeks later ) : Without receiving check, I called again to customer service, who told me that the check was AGAIN sent to wrong address, as they did not update properly as promised in previous call. I then gave them my new address and received an email stating that the address was updated in system. Customer rep said that this check would be expedited, but to wait at least 7-10 business days. End of XXXX ( 2 wks later ) : Check didnt arrive. I called customer service, and they had no answers re : check, but said I was eligible to an ACH transfer, but that it would take 7-10 business days. I agreed to cancel the check and move forward. XXXX ( 12 days later ) : Neither the ACH deposit received or cancelled check ( that was promised to be in mail 3 weeks ago ) have not arrived. Called customer service, who escalated to a supervisor and said that they would escalate and expedite request, but to wait 7-10 business days. I was also promised for a call back for an update ( which I never received ). Today ( XX/XX/XXXX : 7 days later ) : Called Discover Card Customer Service, who assured me that ACH attempts have been made on two occasions. I then brought my bank on the line XXXX XXXXXXXX XXXX ) to discuss directly, and no transactions have been attempted. Meanwhile, the check ( now calncelled ) that was meant to be sent out a month ago has still not arrived. ( XX/XX/XXXX ) Customer service is now saying that I wont be receiving an ACH xfer, but a check instead, and that I need to wait for it to arrive, despite the previous promised checks never arriving. I am now waiting for another call back, and have been told that my case in under investigation, and that there is no promised timeline for an outcome. At this point, I dont trust that Discover is doing anything to rectify the situation, and may have to consider filing for loss/damages, as I have spent hours upon hours trying recover my money. As a payment-processing company whose job it is to oversee transactions, I find it extremely inappropriate ( and possibly fraudulent ) that they need over 5 months to return a deposit that they should not have qualified me for in the first place.
Product: Mortgage

I am qualified as the non-borrowing spouse on a HECM. My husband died XX/XX/XXXX. XX/XX/XXXX I submitted a letter of intent to remain in my house to PHH Mortgage. I have continued to call biweekly and sometimes twice a week to get a resolution on this request. Continually I am told, " It is in review ''. I have asked to speak to a supervisor and I am told " one is not available '' over and over again. 

On XX/XX/XXXX I received a letter from PHH Mortgage requesting documents. Many of the documents had already been submitted. All documents PHH has asked for have been submitted to them. 

Foreclosure notices began coming in the mail. Since I can not get a status update from PHH I panicked and I have applied for a payoff to avoid losing all the equity in my home. The last letter I received said my home will go into foreclosure XX/XX/XXXX. This does not give me enough time to properly get my home ready to show and sell. It takes several days to receive the payoff so by then I am really close to XX/XX/XXXX - 3 business days.

This has created so much undue stress on top of losing my husband. PHH 's unwillingness to help is unforgiveable. Making me wait 7 months is absurd.
Product: Checking or savings account

Subject : Formal Complaint Regarding Delayed Check Processing and Insufficient Funds Notification Dear SoFi Bank Customer Service, I am writing to express my extreme dissatisfaction with the recent service I received from SoFi Bank. On XX/XX/year>, I deposited a check of {$4000.00} through the SoFi app, which assured me that the funds would be available by XX/XX/year>. Relying on this information, I processed a rent payment of {$2200.00} to be deducted on the same day. 

To my dismay, on XX/XX/year>, I received an email from SoFi stating that the payment was returned due to insufficient funds. This unexpected turn of events not only caused embarrassment and inconvenience but also resulted in a {$35.00} return check fee imposed by the merchant for the failed transaction. 

When I reached out to SoFi customer service to address this issue, I was met with a disappointing response as they refused to take any accountability for the delayed processing of my check or the subsequent fee incurred. This lack of responsibility and failure to rectify the situation has left me feeling frustrated and let down by the service provided by SoFi Bank. 

I am requesting a thorough investigation into this matter and a refund of the {$35.00} return check fee that was unfairly charged to me due to SoFi 's oversight. I strongly urge SoFi Bank to improve its communication and customer service practices to prevent similar incidents from reoccurring in the future. 

I trust that SoFi Bank will take prompt action to address my concerns and provide a satisfactory resolution to this issue. I appreciate your attention to this matter and look forward to a swift and positive response.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Experian, The companies below have many inaccuracies on my Experian credit report - I have submitted variations of these before - you have not accurately investigated and resolved these. 

- XXXX XXXX XXXX XXXX - XXXX XXXX XXXX ( Twice ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached to this complaint are : - My drivers license - My social security card - My mailing address - My dispute letter You legally are not allowed to leave these inaccuracies on my credit report and do nothing about them. 

I am looking to have these credit accounts removed from my Experian credit report for many blatant inaccuracies they refuse to fix.
Product: Checking or savings account

I hired XX/XX/XXXX to move the contents of my townhouse I sold, to my new house on XX/XX/XXXX. The company collected {$100.00} deposit in cash from me on moving day since I had cancelled the original date of the move and had requested a refund. XXXX XXXX notified my bank back in XXXX to deduct the {$100.00} and so I had to put in 2 claims against the money being withdrawn. The charge is fraudulent and my bank hasn't asked me for my proof ( receipt ) that I paid the {$100.00} in cash on day of services. Capital One is only siding with the moving company and that is bad customer service being I am their customer not the moving company. Capital one needs to credit me back the {$100.00} that is scheduled to be removed from my account on XX/XX/27.
Product: Credit reporting or other personal consumer reports

Date : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX Dispute Team, Hi XXXX XXXX this is XXXX XXXX and my friend which is my XXXX XXXX XXXX XXXX from XXXX suggested I contact you regarding an Account Review Inquiries or disputed item on my credit report. I as a federally protected consumer would like the Account Review Inquiries to be removed and they are not authorized XXXX inquiry mentioned that I did a consumer request. I did not do any request for any services at XXXX XXXX credit monitoring services through XXXX My issue and a mistake is unauthorized inquiries on my report. 

I would list the Account XXXX Inquiries from XXXX XXXX are XXXX XXXX inquiries. 

The Account Review Inquiries are : 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  Account XXXX XXXX totaled. 
I also going to send you XXXX TransUnion credit reports so you can see them. They are highlighted in YELLOW coloring. I have reported this issue since XXXX of last year. 
FTC # XXXX XXXX XXXX File # XXXX Dates Issued XXXX XXXX XXXX XXXX XXXX Code XXXX along with Fair Credit Reporting Act ( FCRA ) I as the consumer I am requesting you to investigate this dispute and make necessary deletions in my credit file. The FCRA also requires XXXX XXXX to provide me a written notice of any action taken within XXXX business days after completing its investigation. 


This is XXXX XXXX XXXX signing off Sincerely, Clients name : XXXX XXXX XXXX XXXX : XXXX XXXX
Product: Debt collection

xperian, XXXX, and XXXX have been reporting on my personal SSN credit report a collection account from XXXX XXXX XXXX from a fraudulent transaction I disputed on my XXXX XXXX Credit Card. For over two years, XXXX XXXX XXXX had harassed me via phone calls calling to collect a debt that I did not create or owe. The reporting agencies and the creditor mentioned above have been put on notice multiple times via mail for violating my rights Fair Credit Reporting Act and other laws that govern every consumer in America. The past few years have been a nightmare with no successful credit applications being processed due to these collections negatively impacting my report. Reporting wrongful information on ones credit report is a violation of 15 USC 1666 where its states that a company has to conduct an investigation and remove the account in the event that the information is determined to be an error. The reporting agencies successfully removed the report from my report for one month and then successfully removed the collection from my report only to have it added on again. Aside from the the original creditor, XXXX XXXX XXXX, continuing to sell my information to 3rd parties reporting agencies, a violation under 15 USC 6802 Obligations with respect to disclosures of personal information, they also violated my rights by never having sent me a opt out form allowing me to opt out of any reporting of these accounts onto my credit report. For these reasons, I would like to file a complaint against these companies for their damages due to their unlawful acts and unfair practices. Their use of my information is not authorized and has been made known to them in several written notices of the course of the past year attempting to have the false information removed.
Product: Credit card or prepaid card

My Apple Card was digitally connected to my phone. The Apple Card was connected to my XXXX  XXXX XXXX account. When my XXXX  XXXX XXXX account was closed, I was not allowed to update my banking information to pay my Apple Card payments. I tried calling, chatting to a representative and they dismissed me. I contacted Apple about it and they charged off my card without addressing my issue. It is very frustrating and unfair since they are going to affect my credit. Please help me. I am willing to pay my balance for charges I made, not any penalties enforced by them, because they did not allow me to update my banking information. It was a failure on their part
Product: Checking or savings account

XX/XX/XXXX, XXXX Filed with Bank of America Claim XXXX XXXX Denied XX/XX/XXXX. 
The claim was reopened and denied. This time, an additional {$150.00} was included. So the total amount showing denied is a total of {$320.00}. I'm not sure why the additional funds were included. The response that I received is, " The charge was authorized by you or made by someone who has permission to use the card or account. '' I immediately alerted Bank of America of the fraud as it was occurring. There are no other authorized users on my account. I'm filing another CFPB claim because the amount has increased and the response to the initial research was unsatisfactory. 


Account charged {$160.00} On XX/XX/XXXX, my debit card number was compromised. As I was about to enter a store, I received an alert on my phone that a charge was denied because the zip code was incorrect. I immediately checked my account and noticed that there were other charges that I did not make that morning. I immediately called Bank of America and told them what was happening. As I was on the phone with the representative, we saw additional charges coming through. She was able to stop them at the time it happened. She reversed the other charges and opened a claim. In the next few days, a box was delivered to my home. I didn't order any of these items. I would get periodic messages from Bank of America saying that there was an update to my claims, and to view in the message center. There are no detailed messages in the message center, which is difficult to locate and access. I was checking my account today, XX/XX/XXXX, and noticed that my account was debited for {$160.00} and there was a claim attached to the debit. I clicked on the note and saw that the credit was reversed. The message center said that the claim was denied with no additional details. I call in and they said that the merchant was able to provide my name and address from my account and that the vitamins were delivered to me. They were, but I did not order them, nor have I opened the box or used them. Bank of America asked me if I contacted the merchant ( XXXX  ). I said, for what? I didn't order the vitamins and I have no dealings with this merchant. It's very obvious that someone was using my debit card and trying to make sure that they had the correct information to continue making purchases. They proceeded to ask me if someone in my house could have purchased it. No one in my home ordered the vitamins or knows anything about the company. The follow-up was for me to FAX a letter explaining what? The same information that I already gave them. I'm filing a complaint because the fraud was obvious and my account is either protected from fraud or it's not. If it's not, then they need to say this and they would need to implement additional safeguards to protect their clients
Product: Credit reporting or other personal consumer reports

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. account : XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX 15 U.S.C 1681 SECTION 602 A. State I have a right to privacy 15 U.S.C 1681 SECTION 602 A It also state 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 items 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

In accordance with the Fair Credit Reporting Act. The list of the accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Account Name : 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 Section XXXX A States I have the right to privacy. 
XXXX XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account with my written instrutions. 
XXXX XXXX XXXX ( a ) ( XXXX ) 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. 
XXXX U.S.C XXXX ( A ) ( XXXX ) 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

To Whom This May Concern TRANSUNION IS Reporting An Acct That Does Not Belong To Me The Information Is Affecting My Credit. I Disputed The Acct On My XXXX XXXX  File But It Is Still Showing Dispute center In partnership with TransUnion In partnership with TransUnion Current dispute File number : XXXX Estimated completion date : XXXX File number : XXXX Estimated completion date : XXXX Sent to TransUnion On Invalid Date In review On Invalid Date Completed Need to send TransUnion additional information?
Product: Debt collection

After reviewing my credit profile on XXXX i identified a discrepancy with account listed under XXXX XXXX and validation was requested as this was an account that i did not recognize. I reviewed my credit report again on XX/XX/ and the account continues to reflect on my credit report and i have not received any correspondence from creditor to validated this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/ there have been no updates and account is still reflecting on the report. I do not believe the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account and the from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct
Product: Debt collection

Amount : XXXX Actions Taken : Payment arrangements made between me and XXXX XXXX, who bought the debt from XXXX XXXX XXXX, who bought the loan from XXXX XXXX XXXX XXXX XXXX.
Product: Credit card

Credit card was issued to me by navy federal I have no knowledge of even having a credit card from navy federal