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

Santander bank in XXXX Pa closed my checking account and Ive not received the balance of {$700.00} owed to me. They claimed it was because of fraudulent activity which I never committed. Ive been attempting calls to their branch in XXXX and to date Ive not received my hard earned money. Its been a few months and Im suffering from bills being on hold to be paid. Im a registered nurse and I need to get to work and my funds needed for fuel etc.
Product: Debt collection

I was contacted by XXXXXXXX XXXX XXXX XXXXXXXX XXXX via mail over a year after moving out claiming we owed money for damages ( {$3300.00} ). The damage price seemed very high, and the long duration between us moving out and them contacting us seemed suspicious. It's worth noting that there was no formal move out inspection done with the apartment complex on our move out date. We asked why we were just now hearing about these damages, and looked into the Indiana law ( Indiana Code 32-31-3-14 ) which states they needed to contact us about outstanding damage costs within 45 days of moving out. In an email correspondence, they stated that they checked with their corporate offices, and claimed they sent us our first notice on XX/XX/XXXX. Our move out date was XX/XX/XXXX, which would be within the 45-day window. They also claimed that was our " second '' notice. The notice I received was sent the week of XX/XX/XXXX. Their reasoning behind the second notice was that they were in the process of sending a second round of statements as a courtesy to prevent sending past due balances to collections, and that the account was previously not sent to collections due to XXXX restrictions. We asked for the details they received from their corporate offices around the first notice since we never received anything in the mail. We were told we could request that information if we let it go to collections and chose to dispute it. We chose to let it go to collections, since we did not believe the first notice was actually sent. Fast forward to this year, and we were contacted by a debt collecting company ( I.Q. Data International , inc ). The notice was sent XX/XX/XXXX. In that letter, they claimed that if we wrote to them asking for proof of the debt, they had to stop collection until that information was provided. I sent them a letter within the 30 day dispute time window, which requested numerous things, but the most important thing being proof that a notice was sent within 45 days, so I could validate the debt on my end. I received a response from the collection agency. In their response, they failed to provide proof around the first notice. I called them once I received the letter on XX/XX/XXXX, explaining that their response to my request still did not provide the proof that I was contacted within 45 days. I was told that they had no obligation to provide that proof to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a bankruptcy on my credit profile. I have asked for verification of the bankruptcy, and it did indeed come back verified. This is a problem because Experian is stating they spoke with the court and the court verified the bankruptcy. I have done my due diligence and contacted the court on my credit profile. They not only could not verify the bankruptcy as mine, they also stated they not VERIFY with the credit bureaus. XXXX has removed the bankruptcy because of this. I am asking Experian and XXXX how they are verifying the bankruptcy. They are stating with the court. This is not true. Meaning, the bankruptcy is unverifiable. I am asking for immediate deletion of the bankruptcy on my credit profile. This is defamation of character as the bankruptcy is being reported in error. If Experian and XXXX are using XXXX to verify, that is not a fair investigation. I have the right to a fair investigation. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for XXXX XXXX  XXXX asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. XXXX XXXX  XXXX XXXX {$780.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$75.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$360.00} XXXX  XXXX {$270.00} XXXX   XXXX {$250.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX {$43.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I recently discovered that Alley Bank had listed me as a co-signer for a vehicle without my knowledge or consent. I have never authorized, nor signed any documentation that would make me a co-signer for any vehicle, especially without my explicit consent. This unauthorized action has had severe negative repercussions on my personal and business finances. At the time when I supposedly became a co-signer for the vehicle in question, I was experiencing significant financial hardship with my personal vehicle, which was coincidentally tied to the same account. This situation has caused immense distress, particularly as it directly contradicts my intention to limit personal liability by conducting business as a limited partner with XXXX XXXX XXXX  Furthermore, it has come to my attention that this unauthorized co-signing has adversely impacted my credit report, which has hindered my ability to conduct business with my personal assets. This erroneous listing has had a detrimental effect on my financial standing and has caused unnecessary complications. In light of these circumstances, I have sought legal counsel and have retained the services of attorney XXXX XXXX to address this matter. I am hereby requesting that Alley Bank rectify this issue immediately, revoke any unauthorized agreements, and ensure that I am not subjected to any further contractual obligations or harassment in relation to this unauthorized co-signing.
Product: Student loan

Sallie Mae sold my student loans to XXXX. When this happened my Sallie Mae loans were transferred to XXXX, so I then sent payments to XXXX. However, on ALL of my credit reports XXXX companies are reporting on the loans and on late payments. So rather than having XXXX late payment for a student loan, I show XXXX for every late payment I have ever had. This DOUBLES the number of late payments on my credit reports which is completely inaccurate. I do not think it 's fair that Sallie Mae and XXXX can both put marks on your credit from the exact same loan. I want this fixed. There should only be XXXX company capable of reporting on the student loans. Allowing XXXX companies to report to the bureaus on the exact same loans makes for inaccurate reporting and greatly impacts my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is showing a late payment for XX/XX/2017 30-59 days. It was not late in XX/XX/ 2017. I contacted XXXX and they told me they couldn't find a late payment. I asked the lady to fix the incorrect information and she told me that she would get someone to type the letter up and send it off to get the late payment removed.
Product: Checking or savings account

I applied to and received a loan from the SBA which approved and deposit into my Chime account. Chime froze my account and refused to release the money. Its is requiring that I submit a number of documents such as my business tax filings and XXXX to verify information that was already considered in my SBA loan. As a result of this illegal activity I have not been able to gain use of the loan while incurring interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute an erroneous loan account through Equifax, XXXX, and XXXX. All three credit bureaus have closed my dispute with no resolution and the incorrect information remains on my account. I paid off a loan in XX/XX/2023 in the amount of {$680.00}, the loan company ( XXXX ) insists they sent the documentation that the loan was paid off on XX/XX/2023. XXXX is showing the loan as paid off, but the three credit bureaus are not reflecting the accurate information. This may be an issue with XXXX as well. I would like this account completely removed from my credit report as this has been a terrible issue that is still impacting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX  has reported a rental/leasing balance to both XXXX and XXXX they claim to have originated in XXXX. I have contacted both XXXX and Equifax multiple times to dispute this due to the fact that I did not have any such leasing activity in XXXX. Both XXXX and Equifax continued to report back that the debt was valid. I eventually contacted XXXX XXXXXXXX XXXX XXXX to demand back-up records for the balance. They responded and provided me with an invoice from XXXX of XXXX. They falsely represented to the reporting agencies that the debt originated in XXXX. I once again contacted both XXXX and Equifax in XX/XX/XXXX to dispute the charge and provided the invoice proving that the debt in fact originated in XXXX and is well past the statute of limitations to be included on my credit record. Each of them once again represented that the debt is valid and no action was taken.
Product: Checking or savings account

Around XX/XX/XXXX i was in XXXX and noticed my bank cards were dead. Chase never contacted me to let me know about some potential fraudulent activity through XXXX and simply froze my bank accounts. They promised they would send me XXXX cheques so i can transfer my funds to another bank. They never mailed anything, not even a letter to explain why they closed my accounts. Then took all the money i had at Chase which totaled about {$400000.00}. Today my lawyer and I finally after many calls managed to reach their legal department and when we mentioned this call is being recorded and my lawyer mentioning he has sued other banks in the past, XXXX hung up on us. 

They make sure to never give their full name and direct phone numbers because they are afraid for their lives i suppose treating their clients of over 10 years like garbage. 

THEY also told me over the phone that in the fine print it says they can close any account for any reason they feel is justified. BUT the fine print does not says they will also STEAL YOUR MONEY.
Product: Credit reporting or other personal consumer reports

I was in the process of checking my credit report and noticed XXXX accounts under my name that I had no knowledge of I believe I am a victim of identity theft because I did not authorize these accounts to be opened and did not even know it existed now it is impacting my credit beacuse someone fraudulently opened these accounts under my name without me knowing. The accounts in question are : XXXX XXXX XX/XX/XXXX, XXXX ACCT # XXXX {$2700.00} XXXX XXXX XX/XX/2020 ACCT # XXXX {$1800.00} XXXXXXXX XXXX XXXXXX/XX/2020 ACCT # XXXX {$260.00} I have filed an FTC report for all three accounts that were fraudulently opened under my name and have attached it to this report as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I will seek legal action against all major credit bureaus, I am fully aware of my laws as a consumer and I will enforce these laws to the fullest possible extent. The fair credit reporting act states that information shall not be reported without my given consent. It also states that information in my report shall not be given to any employer without my given consent and both of these rights have been violated. 

The accounts in reference are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX These accounts are not my accounts, they have been illegally reported on my credit report and also to an employer on my behalf without my consent. 

These accounts should be deleted immediately or legal action will be taken, I should be notified in writing of the outcome of this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX is reporting a current mortgage account, paid on time, as included in a chapter XXXX. This is NOT correct. We pay this mortgage on time every month as indicated on the supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Experian report it's show I was late with XXXX XXXX on XX/XX/21. I did not have service with them. This inaccurate information affected my credit score. Please delete this account from my credit report.
Product: Student loan

Dear CFPB ; I am a Federal Student Loan borrower with FedLoan Servicing. I have contacted FedLoan and disputed specific ineligible payments most recently on XX/XX/XXXX and XX/XX/XXXX in addition to other years and they ; FedLoan Servicing are unable to provide clear answers. I am asking you the CFPB to contact FedLoan Servicing and get FedLoan to fix the ones that should have been fixed. My records show that I should have qualified for the Public Student Loan Forgiveness program XX/XX/XXXX. However, I currently have only XXXX qualifying payments identified through their tracker, with XXXX that need to be manually reviewed dating back to XXXX, and over 20 that are stated as ineligible for qualification. If the XXXX that need manual review could be reviewed it's possible that I would have my 120 qualifying payments now. With the change with providers I believe there was error with tracking of my records.
Product: Debt collection

Allied Interstate debt collectors has called my residence XXXX times since XXXX XXXX, 2015. At times, the calls are only minutes apart. Normally it is a machine, leaving a message : This communication is from Allied Interstate LLC, a collection agency that is attempting to collect a debt. Any information we obtain will be used for that purpose. " On the rare occasion that it is a person, they were told the debt does not belong to anyone at our number, please stop calling ( to no avail ).
Product: Credit card

I just received and activated a Barclaycard Arrival Plus credit card. I was drawn to the card because of their offer of XXXX Bonus Miles if I spend {$3000.00} within 90 days. You can see this offer on their website : barclaycardus.com. Now I find out that there is no Bonus Mile offer at all. In fact, the card does not offer miles, period. I discussed this with their Relationship Manager, XXXX, on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding XXXX XXXX. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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Product: Credit reporting or other personal consumer reports

I just recently looked over my XXXX XXXX account and I noticed that I have a fraudulent account listed there. I will be attaching an FTC report containing the said account XXXX XXXX  XXXX to be blocked FCRA 605B in 4 days. 
Thank you very much XXXX XXXX XXXX
Product: Checking or savings account

Purchased tape in hair extensions on XX/XX/XXXX, ahead of the XXXX XXXX holiday sale. Purchased through XXXX from XXXX XXXX XXXX and did not bother setting up an account on the merchants website. 

At the end of the purchase I was given a confirmation number along with a message indicating that I would receive a text when my hair was ready for PICKUP within 3-5 business days. After submitting the order I realized that I had not received a confirmation email which caused me to screenshot the confirmation number from my browser. After 5 business days I never received a text message. The phone number on XXXX was unanswered, and I filed a claim with my bank since I had not received the merchandise or heard from this company regarding my purchase. 

On XX/XX/XXXX the merchant owner text my phone asking me why did I dispute the transaction, and whether I received a text message on XXXX that my order was ready for pick up and I informed that I had not. She then indicated that she would fight it with her bank, but it remains that I spent the money and still didn't received my item. She also did not extend invitation or attempt to provide me with the hair on XX/XX/XXXX when she text me. 

I contacted the bank to clarify that they understood this order was not a shipment, but a pickup order. I also verified that the dispute did not say that the product was damaged because I had never received it and the merchant indicated her bank stated I disputed for damaged goods. The bank notated this in my file, clarified that my dispute indicated that I did not receive the product, and indicated I would receive a provisional credit in 10 business days. 

After 10 business days I contacted the bank who indicated that my claim was not under reg-e because of its amount and I would not receive a provisional credit. I also attempted to verify that they knew this was a pick up order, and was not to be shipped and that I never received confirmation to pick up the product and the company physically has the item. The bank indicated they would update my file and when I inquired why it wasnt listed the first time since I'd already called to explain this the call was constantly disconnected. At this time I have heard nothing from the bank and had to make other arrangements for my hair in the meantime. I no longer need this hair, and after the confrontation with the merchants owner I no longer feel safe to pick it up. I want the bank to provide a provisional credit since I am now out of money and never received the product. 

The bank refused to connect me with a supervisor thus dropping the call multiple times. The bank also told two different answers regarding the provisional credit, and I had to inform the multiple times that this was a pick up order. One representative indicated that they have to verify for fraud and make sure I did not receive it and I confirmed that this was a pick up order for the 3rd time and they again said they would notate that on my file. The hair was {$290.00} from XXXX XXXX XXXX.
Product: Mortgage

I refinanced my mortgage with Chase. My old mortgage was also with Chase. They were suppose to mail me the entire refund from my escrow account. Instead they only mailed me a check for {$15.00}. They should of sent {$790.00}. I called the loan officer, And went to see him several times. He said he never saw this happen before, And he would call me back. He never calls me back. I also called another person at chase. She said I should have received the total escrow balance of {$790.00}. She never called me back. This has been going on for over 6 weeks. No one at chase will give me any answers.
Product: Mortgage

On XX/XX/2022 got the notification of the HAF department that I was approved for mortgage assistance for past due payments and an additional 6 months of forward payments. The approval letter has been sent to my mortgage company which is FBC Mortgage. My loan number is XXXX. The amount past due that was sent out to the mortgage company is {$10000.00}. This amount was sent out to FBC Mortgage in XX/XX/2022 and they still have not posted it on my account. I have been calling FBC Mortgage every week since XXXX and they always give me the same answer : they dont have it. I called the HAF department and they show the mortgage company has cashed their check. I dont understand how this could be possible. Its very unfair for them to be holding a check for more than 30 days now and having my loan to accrue more money in interests.
Product: Credit reporting

The accounts XXXX and XXXX are in violation of the FCRA as they are knowingly inaccurate under XXXX ( a ). XXXX XXXX XXXX has not done a thorough investigation as to the validity of these accounts and they have already lost in court over XXXX of them. I have retained an attorney and will be commencing litigation with them over these accounts if a thorough investigation is not completed and documentation provided as to ownership and original contract information for both of these accounts. 

The Credit Reporting Agencies will not provide the information afforded in my rights under the FCRA 609 ( a ) ( 1 ) and now XXXX XXXX XXXX is gaming the system to punish me for beating them in the courts.
Product: Credit card or prepaid card

On or around XX/XX/2010. I got a credit card for a friend in my name. At the time that I requested the card the American Express representative and I agreed on the phone that the credit limit for the person that I requested to be on the card was to be {$300.00}. The individual in question made around {$1300.00} in charges which was over their limit and I was forced to pay the {$1000.00} difference because the company violated proper procedure by not recording all conversations as required possibly by law so there was no way for me to get a {$1000.00} refund because through the company 's negligence I had no way to prove what was agreed to between American Express and myself. I want a {$1000.00} as settlement in anyway that they seem fit. I should not suffer for the negligence of the American Express Co in not recording all conversations as required! The lesson to be learned is that to never get a credit card in someone's name with a credit limit because if the customer goes over that limit u will be liable for the difference. I could have had as much as {$10000.00} liability!