23daVinci/CFPB_Complaints huggingface dataset:
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. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

Santander Consumer USA is actively engaged in abusive debt collection practices and inaccurate credit reporting against me. I have sent Santander several letters directly to resolve this matter amicably. Attached below is my most recent cease-and-desist letter and challenge letter which they received as the tracking number via USPS certified mail confirms. I ask the CFPB to ensure Santander Consumer USA deletes this account from my credit reports as it is in violation of federal laws under the FCRA and FDCPA. My attached letter outlines all the issues and violations. It is illegal for Santander to continue communicating with credit reporting agencies after receiving my cease-and-desist letter which is in there possession as of XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/2002 XXXX XXXX XXXXXXXX Balance {$790.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XXXX. Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXXXXXX XXXX XXXX. Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


Account Name : XXXX XXXX XXXX  Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX. Account NumberXXXX : Please investigate if every piece of information is correct. If not, please remove it from my credit report I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the fact that I never gave any company authorization to contact me as the original creditor and executor, they did so frequently and abusively. Under the Fair Debt Collection Practices Act, 15 USC Section 1692, I was a victim of invasion of privacy.
Product: Debt collection

The above options do not apply to my situation, so I just picked XXXX. Actually, they never call me! Which is part of the problem. In short, I try and make payments and they repeatedly send it back unpaid. I have successfully made XXXX payments since XX/XX/XXXX. They have now reported delinquent payments on my credit and are trying to force me into deferment. Making payments online does n't work and paying by phone does n't work now. I was told I need to call every month or sign up for automatic payment. I refuse to do automatic payments because I believe they are inept to handle it. I 'm never allowed to speak to a supervisor and they will not take care of the delinquency on my credit unless I agree to defer. Is there anything I can do?
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XXXX XXXX and on XX/XX/2019, XXXX XXXX, XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Checking or savings account

My whole identity has been stolen by my mother and she been using it for a long time and now it's like I can't do nothing with my ssn or identity it's been so stressful for me to deal with
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and North Carolina Laws Dear BARCLAYS BANK DELAWARE, I am writing to address a serious concern regarding the unauthorized reporting of information to my credit report, as protected by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), North Carolina XXXX XXXX Protection Act, specifically Chapter XXXX of the North Carolina XXXX XXXX. It has come to my attention that BARCLAYS BANK DELAWARE has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, mandates that consumer consent is a necessary requirement for such reporting activities under Section 1681b ( a ) ( 2 ). Furthermore, North Carolina XXXX XXXX, particularly Chapter XXXX of the North Carolina XXXX Statutes, reinforces the requirement for consumer consent for credit reporting. This legislation aims to protect individuals from identity theft and unauthorized use of personal information. I assert with certainty that I have not provided consent for BARCLAYS BANK DELAWARE to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights and could potentially damage my creditworthiness, in clear defiance of federal and state laws. I demand that BARCLAYS BANK DELAWARE immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Chapter XXXX of the North Carolina XXXX Statutes. Failure to comply within the stipulated XXXX timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including North Carolina XXXX XXXX protection laws. Obtaining consent is not optional but a legal obligation under these specific sections of the FCRA and North Carolina state law. This is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. I expect immediate attention to this matter and urge BARCLAYS BANK DELAWARE to rectify these violations promptly, respecting my rights under federal and state laws.
Product: Mortgage

My loan was sold ( offloaded/onboarded ) within days of my first payment to GuaranteedRate. I have been given three different loan numbers over 5 months. For two months I had not received any mortgage information. In particular, I could not pay my mortgage because the old loan number from when I bought the house didn't work anymore and my new loan number was not active. There was no way to pay online, and no physical payment stub to send in. I called once a week for two months to find out how to pay my payment and no one could give me any answers. 

Eventually on XX/XX/XXXX I was given advice from XXXX XXXX and XXXX XXXX from GuaranteedRate ( See attached emails ) to make a one time payment of XXXX to XXXX ( XXXX  XXXX XXXX  ) to a new account number ( loan number 2 ). I did so, and received email confirmation as well as a debit from my bank account. I assumed it was taken care of and all would be well. 

On XX/XX/XXXX my new loan number ( loan number 3 ) was activated and eventually showed that while my XXXX, XXXX, and XXXX payments ( all sent via check or via rate.com dashboard ) were accounted for the XXXX payment sent via XXXX did now show up. I then began contacting them to alert them of the missing payments ( see attached emails ) and was never given an answer other than " contact our research department '' or just simply " we can't find that payment, sorry. '' I sent all of the pertinent information to the research department on XX/XX/XXXX and the problem still has not been rectified. 

In the meantime I've been getting mail from the company stating I am at risk of losing my house. I also received multiple bills from them demanding I pay up to {$7400.00} because the new loan had not received payment from the loan it BOUGHT OUT ( ie loan number one ). This was terrifying for me as a first time homeowner, and completely unprofessional of them blaming the consumer for their clerical errors. 

Finally today ( XX/XX/2021 ) I spent over an hour on the phone with customer service at Guaranteed Rate and all they could do for me is " put in a work order '' which " may be done by XX/XX/XXXX ''. Even if that's the case it shows I am delinquent on my XXXX payment, since my XXXX payment went to pay the one that they have lost. I'll also be due for an XXXX payment soon. 

I have talked to countless people on the phone and spent countless hours and I either hear " We don't have access to that page so there's nothing we can do about it '' or " Send this to research and they'll take care of it ''. None of this has helped, and no one seems to want to help my fix my problem. I sent a payment in good faith as I was instructed to do by a person at GuaranteedRate, trying to do the right thing and pay my mortgage, and all it has done is caused me grief and stress.
Product: Credit card

In fall of XXXX I accepted a XXXX interest balance transfer offer from Chase bank on XXXX XXXX credit card. There was also a PREPAYMENT FEE. 
There were multiple late billing statements and some never received. When I attempted to get resolution on this by contacting customer service in summer and early fall of XXXX, no apparent credit was given for at least XXXX late fees, even when billing statements were not received. 
Some billing statements continued to be missing thru fall and holiday season of XXXX, and when I finally became aware that billings had not been delivered, I attempted to payoff loan in XXXX XXXX, minus around {$180.00} in disputed interest charges. 
As I continued to dispute interest charges, I was told that no department or individuals existed in Chase Bank System to deal with this issue, other than regular customer service staff and supervisors. This past week however I was told that " escalation '' units and individuals did exist. 
Multiple contacts over this issue with customer service, also experienced rude, hostile supervisor representatives, who often seemed to give lectures on how I as the customer was fully responsible for additional charges and late fees ; even when billing statements were consistently absent or weeks late. 
Ironically, monthly offers for additional balance transfers consistently arrived in the mail. 
Ultimately, my credit rating has dropped over the past 6 months, many documentable hours have been spent in often hostile conversation with customer service reps., some late fees have been removed after at least two months of existence on billing statement, but no attempt has been made by Chase to deal with Disputed interest charges ; by adjudication or any process accept to lay full responsibility on me. 
Finally, the current billing statement seen online indicates around {$240.00} due, while yesterday I was assured by a customer service supervisor, that all " late fees '' have now been removed, and all that actually exists as due is around {$180.00} ; which is the amount of the originally disputed interest charge of 14 ( plus ) percent.
Product: Debt collection

Over a year ago I took out a payday loan from Speedy Cash, which was the start of an onslaught of predatory lending from several other payday loan lenders. I was in a Financial crisis because at the time my girlfriend was battling XXXX XXXX, and she has XXXX children that she was unable to take care if as well as herself. I was the only one that could so my work hours were drastically reduced and I was left with only the choice of payday loans that Left my finances paralyzed and in a state of paralysis. It didnt matter if I paid the balance down every paycheck because Speedy Cash would charge a finance fee that was the same amount as my bi-weekly payment. I was drowning and I could find no relief. Eventually I had to change banks because my bank had become so overdrawn I couldnt even afford to drive to work an hour away. I paid what I borrowed in excess and pleaded with Speedy Cash to accept that as payment in full but suffice to say my pleas were unheard and sent to collection. I have spoken with the debt collector Ad Astra they call me consistently and threaten me with police charges but I am no better financially than I was a year ago, I was furloughed from work since XXXX and XXXX am only now being allowed back to work. Luckily my girlfriend has made a full recovery but had to undergo major XXXX which will leave her XXXX for the remainder of her life. It has been a rough road and it is criminal that Lending has become so savage and predatory they are the ones that should be investigated but it seems that when one goes away another appears with the same deception and last resort deal with the XXXX.
Product: Debt collection

I keep getting phone calls all hour of the day and night from portfolio recovery. When I answer and say hello. No one is there. When you call the number back, It goes to no where. They keep calling from hundreds of different numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many inquiries that were checked in XX/XX/XXXX and XX/XX/XXXX and were not authorized by me if send letter to all the companies that checked the credit and no respond this is getting frustrating. I also called the credit bureaus and they explained to write letters which I did.
Product: Credit reporting

My brother 's mortgage has been on my Experian report for some time now, efforts to reach experian via phone end up with me hanging up in frustration because I can never get to a live person to find out what i need to send in to fix the issue. This has caused several attempts at applying for debt consolidation loans to be declined because of this inaccurate reporting.
Product: Vehicle loan or lease

When I first filed a complaint with Ally Financial a few months ago, I was told that there is a program for people who are 45 days past due. I do not qualify for an extension. The woman who represents Ally is rude and disrespectful and was almost making fun of me for having a hard time with income loss. She did manage to tell me about a program I could qualify for when I am 45 days past due ( in between being condescending about asking for an extension ). She did say that if I got another extension, I would never get the car paid off, which is none of her business. 
I have called Ally three tines today and been cut off twice and am now on hold ( again ) for 45 minutes trying to get help. I HAVE NOW BEEN HUNG UP ON FOR THE FOURTH TIME TODAY! this is absolutely a nightmare and UNACCEPTABLE. I AM NOW CALLING IN FOR THE FIFTH TIME TODAY. I got a threatening letter from Ally but have no way to talk to someone from Ally because I am hung up on every time I call in. I hope the CFPB takes this seriously as the woman who handles these complaints only wants to make fun of people who can't pay and be condescending
Product: Checking or savings account

XXXX I had discovered I had theft/violanted on my checking-saving accounts.The total amount was XXXXThe same day I notified Wells Fargo claims D.who documented claims.The claims D. advised me to close accounts.XXXX Went to wells fargo spoke to XXXX XXXX closed accounts.I said what about XXXX XXXX XXXX told it would be fine. XXXX fraud on my C.C. Called fraud dept. letters from Wells Fargo stating the transactions were from an online secure session by me or someone that had my authority.I have never used XXXX nor did i give authority.Since XXXX until XXXX have been denied. It amazes me that when i was back in the bank on XXXX i wanted my zell removed I was told that it couldnt be by XXXX and XXXX but they could secure XXXX I received a letter from XXXX denied again but As of current im enrolled. I did not request XXXXlThey want proof how am I suppose to provide proof when info was XXXX make money by not returning funds. XXXX is not secure as the world is finding out. I have contacted the FTC, CFPB, XXXX, Governor, FBI, and local Media.As of today WFB is still denying me my funds.
Product: Prepaid card

I requested copies of all my statements and disputes filed. None have been approved despite the fact I XXXX  documents to provide proof of my claim. It has been over XXXX in disputes and kone have been resolved. I had a problem with ide tity theft. I was unaware that my benefits had been paid as of XX/XX/2022. Maybe earlier than that. I did not receive my card until XX/XX/2022 and due to my XXXX I did not see what was happening. I am XXXX  XXXX and since finding out have learned my lesson. My XXXX XXXX we're either skinned or directly taken out of my account but direct express denied any accounts bring linked to mine. Social security has a different set of details that reflect the amounts bring paid out. However, more than {$250.00} we're being refuced on a monthly basis. Every time I have called I have been detoured and the XXXX  never gets resolved. I would like for direct express to recount every vebegit amount XXXX  and refund my disputed amounts. In XXXX, there was $ XXXX taken out of my account. I disputed and filed a police report. This dispute was too denied. This isn't the only financial institution that has been affected by the identity theft. As a whole, it has caused me great and significant hardship. I would appreciate it if this gets resolved promptly. XXXX has passed and I am close to fing a civil harassment lawsuit because if situations like this. In which I have been blamed for JEOPARDIZED for something I have konostt of. Because of every agency and my financial institutions not completing, I am now XXXX. And unable to pay my rent. I need my funds XXXX
Product: Mortgage

From : Midland Mortgage To : Affected Covid-19 Borrowers ( They are requesting that borrowers pay entire amount of the three delayed payments immediately after the forbearanceXXXX. Most borrowers will simply not have the available funds ) Midland Mortgage wrote : COVID-19 update for our customers For customers who may not be able to make their mortgage payments because of the coronavirus, we are offering a short-term mortgage assistance plan that delays mortgage payments for three months XXXX, XXXX and XXXX. 
How the plan works : You arent required to make regular monthly mortgage payments for three months. And for those three months, no late fees will be charged and delayed payments wont be reported to credit agencies as past due. 
At the end of the three months, all three delayed payments ( and any other past-due payments ) will be due. If you are not able to make the payments then, well evaluate you for additional mortgage assistance options. 
If you decide you dont want or need to delay your payments for three months, let us know on our website or reply to this email. 
Next steps : Well send you a letter outlining all of the details of this short-term mortgage assistance plan and the next steps to take. If you have any automatic payments scheduled for XXXX, you should go ahead and cancel those. 
Thank you for your patience while weve worked on ways to assist our customers during this crisis.