23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Santander is civilly and criminally liable for fraudulent activity. The consumer credit transaction included a finance charge and the finance charge includes insurance which protects the creditor against the obligors loss, and or property damage. Santander Consumer, USA did not include my insurance within the finance charge. Not only that, but they also took cash from me, which is unlawful due to the fact that a finance charge does not include cash. They then went on to report to the consumer reporting agencies that I owe this alleged debt. They responded to my cease and desist, but did not complete the demands placed upon them, which are listed in the " fair solution '' section below, as well as, in the cease & desist document, too. This has caused lots of distress, which resulted in a XXXX ( view the medical records below for more details ).
Product: Credit reporting or other personal consumer reports

I applied for the public service loan forgiveness program ( PSLF ). My loans were transferred from XXXX to XXXX. In XXXX of XXXX, XXXX informed my my application was complete and my loans have been forgiven under the PSLF program. The loan information was moved to XXXX but XXXX is still reporting to credit bureaus that I have a balance with their company. This is despite the fact that on XXXX 's website, they reflect I have a zero balance. I contacted the company on a prior complaint and they reported back that the ~ {$34000.00} balance is correct. I contacted the company via phone last week and the customer service agent confirmed my balance is {$0.00}. I asked the agent to have XXXX report to the credit bureaus. I received a letter on XX/XX/XXXX stating XXXX is correct in their reporting and will not change the information. This is despite the fact that my loans were moved from them in XX/XX/XXXX. 

Attached are documents from XXXX informing me in XXXX of XXXX that the loans were being transferred, a screenshot of my stated balance with their company pulled from their website, the letter I received this week, and then the forgiveness notification from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent.

-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. 

the accounts i am talking about are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i also attached my identity report from the ftc to this complaint
Product: Credit card or prepaid card

I have been using XXXX mastercard since my children were young to earn rewards for college. My son is now in college and I have been trying to get the funds transferred. The website says a total of {$2800.00} was transferred but only {$400.00} ever arrived in my son 's XXXX. I have been trying to contact XXXX for weeks. The phone number directs you to an online chat. The chat says you must schedule an appointment for a call back. I have scheduled several but never received a call back. Today, the chat says they are closed despite it being within the hours of operation listed in the same paragraph. I also submitted a request for help online and have received no response. I called XXXX mastercard and they redirected me to the XXXX phone number XXXX saying a person would answer. This number tells you to schedule a phone appointment online. I have no idea how to contact this company to resolve the issue of the {$2400.00} of missing college rewards. I appreciate any help you can provide.
Product: Mortgage

XX/XX/XXXX I received a call From US Bank letting me know my escrow payments went up {$60.00}. I said that's weird because my property taxes went down {$1000.00} last year and I received the second notice of the reduction today. After talking with Escrow Department they told me they couldn't reduce my payment until they pay my taxes in XXXX. I told them they should have received the notice, same as me. I was told I would get an adjustment some time after XXXX and any overpayments would be sent to me. XX/XX/XXXX I called to see where they were in the process. It was like starting from scratch. I told them I wanted to cancel my escrow account and pay my taxes & insurance myself. I was told it would cost me {$900.00} to cancel. I told them that was not in my mortgage contract. I went with escrow for convenience. This is less than convenient. I explained when I opted for escrow I was told I could cancel at any time, no charge! I told her I signed with another lender and US Bank bought the loan. I asked for adjustments until we figure that out. I called again XX/XX/XXXX. I called and asked to talk to a supervisor. I told the supervisor the issue with the {$900.00} and asked what it was for. She said it's for managing my account. I said no one is managing my account as my taxes were overpaid by {$570.00}. She asked me if anyone told me I could pay the {$900.00} out of my overpayments. I said that's my money. I don't want to pay you for anything. She agreed they overpaid my taxes. Now my balance is positive by {$1800.00}, if I get my tax overpayment back. One more escrow payment and I can pay my XXXX taxes a year early. I asked why nothing has been done to adjust my payments after 2 calls. She said she didn't know. Remember, I'm talking to a supervisor! She said her boss would call me at noon XX/XX/XXXX. No call came in. If you want to get ripped off have US Bank manage your money and then tell you they want {$900.00} for service they don't provide so you can manage it more accurately, without the hassle.
Product: Credit reporting, credit repair services, or other personal consumer reports

After my identity has been compromised, I reached out to the three major credit reporting agencies but still haven't found Resolution with the system. The three major credit bureaus are still reporting these unauthorized fraudulent accounts all without providing me with physical documentation as requested and required by the laws of the FCRA. My next course of action is to bring suit against these credit reporting agencies inwhom does no physical fact check but instead is relaying on an outdated system. I'm demanding that these accounts be blocked immediately. 

1 ] XXXX XXXX {$350.00} 2 ] XXXX XXXX {$680.00} 3 ] XXXX XXXX XXXX {$140.00} 4 ] XXXX XXXX XXXX {$30.00} 5 ] XXXX XXXX XXXX   {$680.00} 6 ] XXXX {$71.00} 7 ] Credit Factor CH-XXXX
Product: Money transfer, virtual currency, or money service

Due to currency issue, the fund USD XXXX can not be accepted in XXXX 's bank. 
I have requested to return the money with Wells Fargo Int'l wire transfer department several times, but they keep telling me it is proceed. The request was submit on XX/XX/28 I checked with Wells Fargo Bank in XXXX 's branch. They have already sent several messages to their branch in US but no response at all. Per Wells Fargo Bank in XXXX, they said they must receive a permission from their US branch in order to send the money back to US. Right now XXXX Wells Fargo is still waiting a response from Wells Fargo US branch. 
There is a lack of communication between their banks.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name : Account name XXXX XXXXXXXX XXXX Account number XXXX
Product: Money transfer, virtual currency, or money service

My personal checking and savings account was deducted for direct pay made out to me XXXX XXXX from something called XXXX XXXX XXXX XXXX I never received one payment other than the stubs from Bank of America Association Corporation private bank. Iam attaching the mailer Bank of America sent me stating if the direct payment from my account Im also wondering why I cant access my XXXX account attached to my BofA account thank u.
Product: Mortgage

BK XXXX discharged in XX/XX/2018. Wells Fargo is the 1st mortgage lender. Had loan for 13 years and NEVER had a late charge or missed a payment. Starting with XXXX of last year, have been trying to get the credit account updated to show payment history. After multiple phone calls and MANY different responses and excuses, Wells FRGO, as of today XX/XX/18, says they are not obligated to do so. They will start to report on XXXX. This is even though the discharge was XXXX of 2018 and/or per their comments didn't receive the BK closing until XXXX. They wont even go back to XXXX and report from there. They also won't report anything BEFORE the bk or during the bk ( from what I have read, they have the right not to report during a BK, even though I paid outside the plan and paid as agreed ). Without a mortgage rating, I might not be able to refinance OUT of this loan and must keep the high rate I have now. I am XXXX XXXX so can do a VA loan now!! for XXXX, it requires 2 years from discharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed an FTC complaint. Report # XXXX It's illegal to furnish income on a consumer report. A Charge-off, according to the IRS, is income and the company must file an 1099-C. 
PLEASE REMOVE ACCOUNTS BELOW DUE TO INACCURATE REPORTING Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXXXXXX XXXX- charge off Account Number- XXXX {$860.00} Date reported - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX CHARGE_OFF {$150.00} Date Reported-XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX CHARGE_OFF XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX CHARGE_OFF XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX Account XXXX {$520.00} Date XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Personal information XXXX XXXX XXXX XXXX XXXX XXXX Hard XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX 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 appreciate your assistance in REMOVING a portion of the data in my credit file that resulted from FRAUD, but I still have items that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report for a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 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: Student loan

I applied for an Income-driven repayment plan on studentaid.gov on XX/XX/29. According to studentaid.gov, it was already processed and accepted by my servicer ( Edfinancial ) which is not the case. I can find no indication of it anywhere on my Edfinancial account, and they still have me on my original repayment plan. It's been almost two months so I ended up applying again a couple of days ago, but with payments restarting soon I worry it won't be processed in time.
Product: Payday loan, title loan, personal loan, or advance loan

This is my second time reporting this issue regarding oportuns predatory loan practice. I took out a {$4600.00} loan from them over XXXX years ago, and Ive made payments totaling almost {$4000.00} but as of today, the balance on this loan is still {$4200.00}. I explained to the company that I was experiencing hardship a couple months ago, so they said they will temporarily reduce the interest rate, but they did not. As of today, the interest rate is still at over XXXX % but the maturity date of the loan was increased. I took out XXXX different loans with other companies around the same time and I can see great and reasonable progress with the principal payments being significantly reduced. This has not been the case with Oportun. Oportun preys on the financially vulnerable. I honestly do not understand how their loan process works. The fact that I still over {$4000.00} 2 years later is mind blowing. I can no longer afford to pay a dime on this loan. I need serious intervention. I did not agree to these vicious predatory terms or practices. This company needs to be seriously investigated. Their agents have called me in the middle of the night harassing me for payments.
Product: Credit reporting 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. 

XXXX XXXXL XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX 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.

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

In accordance with the Fair Credit Reporting Act XXXX  account # 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.
Product: Checking or savings account

On XXXX XXXX, XXXX, Citibank placed a block on my account due to a negative balance. In the evening on XXXX XXXX, XXXX, Citibank removed the block from my account. Earlier in the afternoon on XXXX XXXX, XXXX, XXXX attempted to process my mortgage payment but due to the block it did not go through. As a result, XXXX reported me to the credit reporting agencies as paying my mortgage 30 days late and my credit score decreased 168 points. I subsequently filed a CFPB complaint against XXXX, to which XXXX XXXX Executive Office responded that they would suppress their XXXX XXXX credit reporting IF Citibank will provide a letter confirming that the block was removed from my account on XXXX XXXX, XXXX. Citibank has confirmed via telephone that the block was removed on that date, but my request for documentation of the oral representation has been denied. This is a very simple matter that could be easily resolved if Citibank would issue the requested letter, at which point XXXX would suppress the XXXX XXXX credit reporting and my score would rebound. I would sincerely appreciate the assistance of the CFPB, as I am currently being ignored by Citibank.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized disclosures of my credit information and unauthorized credit checks conducted without my consent or authorization. These unauthorized activities have negatively impacted my creditworthiness and caused me significant distress. 
I have recently been notified that my credit information, including previous addresses, has been accessed by unauthorized individuals or entities. This information has been used to conduct credit checks without my knowledge or consent. I am deeply concerned about the potential for identity theft and the detrimental impact these unauthorized activities may have on my credit score and financial future. 
I request that the CFPB investigate this matter and take immediate action to remove all unauthorized credit information and inquiries from my credit reports. This includes, but is not limited to, the following : Removal of all unauthorized inquiries : I request the removal of any credit checks conducted without my consent from my credit reports. 
Removal of all unauthorized credit information : I request the removal of any unauthorized personal information, including previous addresses, late payments from my credit reports. 
Investigation of the source of the unauthorized disclosures : I request a thorough investigation to determine the source of the unauthorized disclosures and to hold any responsible parties accountable. 
Implementation of measures to prevent future occurrences : I request that the CFPB work with credit reporting agencies and other relevant entities to implement measures to prevent future unauthorized disclosures and credit checks. 
My request for the removal of unauthorized information is based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 6802. This law prohibits the reporting of inaccurate or incomplete information on credit reports. 
I am also available to provide any additional information that may be helpful to your investigation. 
Thank you for your time and attention to this matter. I urge you to take swift and decisive action to protect my financial privacy and creditworthiness.
Product: Debt collection

My husband XXXX and became XXXX, making me unable to make payments. I asked for XXXX protection as well as asked about the XXXX XXXX XXXX. I inquired about the XXXX credit protection in place, as part of a payment. The company refused to look into any provisions in place for a military members family. This debt collection company has now bought the debt and has not validated it nor looked into these protections on the original account. They continue to report a negative balance of {$490.00}, despite me disputing and the ability to provide documentation. This is a shame to military members who become XXXX serving their country and debt buyers as such are the bottom of the barrel.
Product: Credit reporting

Transunion is reporting a public record as a tax lien and not a tax judgement. I was told by New York that that it was a XXXX then a judgement. It is being incorrectly reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

( In accordance with the Fair Credit Reporting act the following companies have violated my rights. ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT # XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT # XXXX ) ( 15 U.S.C 1681 section 602 A. States I hape 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 )
Product: Money transfer, virtual currency, or money service

I am dealing with identity fraud, tax fraud and identity theft. There is a group of people I would need to be contacted immediately because of the seriousness of the case. My identity is being used all types of ways everywhere different states. Stolen debit cards, money laundering so far out of 5 accounts that I know of so far. XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, XXXX and navyfederal, XXXX XXXX XXXX and XXXX. I have statements as well. Im dealing with tax fraud as well as Ive requested transcripts back from XXXX-present and also student loan accounts through department of education. People are going to school in my name getting financial aid and loans and their are also properties in my name I am unaware of and there are businesses in my name
Product: Vehicle loan or lease

I purchased a vehicle from Pronto finance in XXXX, IL in XXXX of XXXX. I always paid my car payments on time for the full four years it was due, I made what should have been my last payment on XX/XX/XXXX only to be now told I owe fees from XXXX. I never heard about any fees getting accessed when I paid my car loan both in person and over the phone I asked why was I not told of these alleged fees until now and got no answers. They claim it was penalty fees for not having insurance to which I answered I have been asked about insurance every since I owed the car and always provided it and never received any response afterward also I stated since I have changed insurances several times since XXXX I have no idea who I was insured with at that time. If I owed fees for the years XXXX why wait until the car is paid off to tell me? The car is paid in full along with the interest, why should I pay for fees I never knew anything about? After not hearing anything about fees for four years they are now calling trying to get what is no more than extra money. I don't think it is a good business practice for a finance company to charge fees for years and not tell the consumer until the end. After having this issue with them I read their reviews and noticed others stating how they charged them fees and never told them about it.
Product: Mortgage

Freedom mortgage submitted a 12 month payment history to a Lender I was attempting to refinance which showed I 30 days late 5 times in the past XXXX  months. I have spoken to Freedom provided proof the XX/XX/2021 payment cleared my account and was not 30 days past due. I continue to be told it could be due to the bankruptcy.