23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I applied XXXX times online to Santander Bank for a checking account. 
The first I applied on XX/XX/2017, and received an email on XX/XX/XXXX telling me that I was declined for an account. 
" We were unable to verify your identity or other personal information at this time. '' I could not find out the problem, but was told I could re-apply. 

I did so on XX/XX/2017, and was declined on XX/XX/2017 by email stating the exact same sentence as the reason. 

I tried a 3rd time on XX/XX/2017, and never even received an email from them. 
I called in on XX/XX/XXXX and was told I was declined. 

I have never received a letter from them, letting me know what credit agency they are using for information. 
This is a violation of the FCRA - Fair_Credit_Reporting_Act. 
If they wo n't tell me which credit reporting agency they use, I can not find out what erroneous or lacking information is being or not being provided.
Product: Student loan

I have been trying to apply for loan forgiveness programs since XX/XX/XXXX that I uploaded my first application. Uploaded second application in XX/XX/XXXX. On XX/XX/XXXX, I received a denial. I immediately uploaded the missing signature on XX/XX/XXXX and my paperwork was not reviewed but denied on XX/XX/XXXX. The October deadline is soon approaching. FedLoan has sold my loans to XXXX. I received documentation that XXXX should be servicing my loans by XX/XX/XXXX. They will not be servicing my loans until XX/XX/XXXX. I have tried calling FEDLOAN to see and get direction on what I am doing wrong, request a call back, they call me back and then transfer me to leave me on hold again sitting in que. It is IMPOSSIBLE to get someone to help me. 
I have been a XXXX for XXXX years, and have gone back to school several times during my career. How is it possible that I am going to be the only tenure XXXX that does not get assistance with loan forgiveness.
Product: Credit card or prepaid card

I was charged at a XXXX card XXXX dollars from an ATM on my credit card, i filed it as fraudulent as i did not approve this transaction. I had my card taken during the night and returned later, when i checked my statement and saw the charged I called the dept and reported it. After the did there due diligence i got a call later saying my dispute was denied as they had video proof and picture evidence it was me. I asked for it saying no chance and they said they would send it to me. over a month later I still did not get this " evidence '' so when i called they ended up sending it to me and when I received it, while my card and ID were in the PDF sent to me were mine, the signature was not mine ( could go through prior transactions and prove that quite easily ) and the photo evidence they had that it was me the man in the picture was clearly not me. anyone with a set of eyes can look at the photo and see there is no resemblance of the man in the picture and my self. The cc fraud department said they couldnt make out of the picture if it were me or not and they arent signature experts so they couldnt figure that out either. I have told there are no other options left so now I am here. the photos are encrypted so we will have to reachout to them ( Citi bank mastercard for XXXX XXXX to have them send the pictures )
Product: Checking or savings account

I attempted to use my Chase debit card XX/XX/2020 and it declined. I called in and was transferred to a representative who told me that my account has been closed after a review but the reason it was closed would not be disclosed. I asked how to get my $ XXXX and the rep told me I could go to the branch to get it. I showed up at my local branch 30 minutes before close on XXXX and was told my funds are restricted. They called in to their help center about the matter and were told it would be an hour wait. The in branch representative was not willing to help me because they were closing and wouldn't have enough time. I called back on my own just now and the rep I spoke with this time told me my funds would be released only vis check at some point within a ten business day window. I need my money to feed my children. I can't wait ten days for that.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts from my credit file. These accounts were fraudulently added as a result of identity theft caused by a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be permanently removed from my credit report. 
Fraudulent Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX  - XXXX - XX/XX/XXXX - {$900.00} XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2000.00} XXXX - XXXX - XX/XX/XXXX - {$28.00XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$310.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$310.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2100.00}
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Experian has engaged in practices that violate the Fair Credit Reporting Act ( FCRA ). Specifically, I have encountered the following issues with Experian : Improper investigation of disputes I submitted regarding inaccurate or unverifiable information on my credit report. Marking items as verified without providing proper evidence of verification. 
Despite my efforts to resolve these issues directly with Experian, they have failed to properly address my concerns. Their actions have caused harm to my credit profile and negatively impacted my financial well-being. I filed a dispute on XX/XX/year> regarding collections on my account. Experian failed to investigate properly and marked the items as verified without providing proof. These practices have resulted in incorrect information remaining on my credit report, causing my credit score to remain lower than it should be. This has made it difficult for me to access credit, secure loans, or obtain favorable financial terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian/XXXX  refuse to remove XXXX  and XXXX  XXXX XXXX inquiry from my credit remove
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts has found its way on to my credit file. However, these accounts are fraudulently placed and needs to be removed immediately. Most of them are in ligation and therefore needs to be removed immediately. 

1 ) XXXX XXXX XXXX  2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX  5 ) XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i pulled my equifax credit report, and they have 3 collection accounts in my file, with absolutely, no creditor contact information, how do they get away with screwing the consumer like this. either i owe nobody, or i owe everybody, cant tell by looking at my report. i wrote them asking to remove these 3 accounts, # XXXX, # XXXX, and # XXXX to date they have refused, can anyone please help me
Product: Vehicle loan or lease

Payment made XX/XX/XXXX for {$1200.00}. System said no payment due until XX/XX/XXXX. Payment system automatically took another payment on XX/XX/XXXX for {$1200.00}. Phone call placed to USBANK to correct this, and I was offered a return check that would arrive in 2 weeks or that the additional payment be applied toward principal. I opted for the XX/XX/XXXX payment be applied toward principal on phone call on XX/XX/XXXX... I still see no reflection of this in the ledger as of today although an agent confirmed over the phone that it was done again properly today XX/XX/XXXX. 

I want all applicable interest returned to my account as a credit. I am being overcharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed 2 disputes to Experian, XXXX XXXX XXXX. As well as upload to XXXX. I have not received any results only a letter from the bureaus stating that the dispute did not come from me. This is not true my disputes are coming from me.
Product: Credit reporting or other personal consumer reports

I cantacted CKS PRIME INVESTMENT XX/XX/year>, in regards to a collection account reported to the credit reporting agencies. The collection account balance is paid in full, but the account is showing active on my credit reports. 

I called CKS Prime Investment and requested that the collection account information be removed from the credit reporting agencies due to the account has a XXXX balance. 

I was advised by the suppervisor that CKS Prime Investment will not or they do not removed negative information from consumers credit reports even if the account balance is paid in full and have a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, National Credit Adjusters ( NCA ) added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold to multiple companies. I am not responsible for this account. I have attempted to dispute this information numerous times with all credit bureaus in an attempt to receive correspondence from the debtor with more information. The debtors creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA, National Credit Adjusters ( NCA ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

Account : lvnv funding llc To Whom It May Concern : This letter is in reference to your response in regards to { account number XXXX } that is currently being reported to XXXX, XXXX, and XXXX. While I appreciate your response, unfortunately, you still have not complied with the FCBA. You have only forwarded a portion of the documentation requested and required by the FCBA. It is my understanding that The Fair Credit Billing Act requires creditors to bill correctly, that each statement is sent to the correct address, that you do not ignore change of address requests, that you facilitate disputed charges in a manner as prescribed by law, and also that you provide lawfully requested information concerning my account upon request in a timely manner. Thus, I submitted a formal request for information, which was perfectly within my rights to do, and yet, you have failed to send that information. You have only provided some of the information requested which leaves a lot of gaps and holes in what I need to know. The little bit of information you sent has only led to more questions for me. Therefore, you are still required to send me : The contract/agreement I signed legally binding me to this alleged debt The information you used for fraud prevention and to verify my identity as the responsible person qualified to establish this account The steps you took to verify my eligibility to establish this account ( ie, employment verification, residence verification, etc. ) Verification of accurate billing ( ie, every single itemized statement, payment, credit, interest added, disputed charges, etc. ) from the time this alleged account was first established A notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period you claim I was a customer You have only 15 more days to provide this information request and comply with the law. Otherwise, you are required, per the FCRA, to delete the negative marks you have reported to any consumer reporting agencies about me. Failure to do so will force me to seek legal remedies, including punitive damages, for continuing to report an unverifiable account which proves your willful non-compliance and negligence. Once again, your prompt attention to this matter would be greatly appreciated. Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the above-referenced Midland Credit Management accounts reported on my credit reports. Despite submitting multiple disputes over the past several months, Midland Credit Management has failed to provide validation of these debts within the legally mandated 30-day timeframe under the Fair Credit Reporting Act ( FCRA ). Additionally, the reporting contains multiple errors and inconsistencies, making these accounts eligible for immediate deletion. 

Errors Identified Duplicate Reporting Entries The accounts have been reported under different numbers with similar details, which appear to be duplicate entries : Account Numbers : XXXX, XXXX Error : Duplicate entries misrepresent my credit status and inaccurately inflate my debt. 
Violation : FCRA 607 ( b ) Failure to ensure maximum possible accuracy.

Illogical Reporting Dates The Start Dates for these accounts are listed as XX/XX/year>, which is a future date and factually impossible. 
Error : Reporting a future date is misleading and inaccurate.

Violation : FCRA 607 ( b ) Inaccurate and misleading reporting. 
Inconsistent Account Statuses The accounts are reported inconsistently : XXXX reports the accounts as Closed with a Collection/Chargeoff status. 
XXXX reports them as Open with a Collection/Chargeoff status. 
Error : Conflicting account statuses across bureaus indicate inaccurate reporting. 
Violation : FCRA 607 ( b ) Failure to ensure accurate and consistent reporting. 
Conflicting Balances and High Balances The balances reported are inconsistent : Account 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 Inconsistent balances and high balances are misleading and inaccurate. 
Violation : FCRA 607 ( b ) Failure to ensure accurate balance reporting.

Failure to Validate the Debt Despite multiple disputes over several months, Midland Credit Management has not provided any documentation validating these debts.

Violation : FCRA 611 ( a ) ( 1 ) ( A ) Requires validation of disputed information within 30 days.

Specific FCRA Violations Failure to Investigate and Verify Disputed Information Violation : FCRA 611 ( a ) ( 1 ) ( A ) Midland Credit Management must investigate and verify disputed information within 30 days. They have failed to do so. 
Failure to Delete Unverified Information Violation : FCRA 611 ( a ) ( 5 ) ( A ) If the information can not be verified within 30 days, the account must be deleted. These accounts remain on my report despite no validation.

Failure to Ensure Maximum Possible Accuracy Violation : FCRA 607 ( b ) The errors in dates, account statuses, and balances violate the requirement to ensure accurate reporting. 
Misleading and Duplicate Reporting Violation : FCRA 623 ( a ) ( 1 ) Reporting duplicate accounts and conflicting information constitutes misleading reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries have appeared on my credit report by these creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/2021, I sent out my dispute letter to you and its been over 7 months now, and I havent received any response from you yet. As per my understanding, under section 611A, you are legally obliged to respond to my dispute letter within 30 days. However, up to this day, I received nothing from you which is ridiculous. This is in fact a clear violation and negligence on your part. Just so you know, I am keeping records of everything and should you continue to ignore my disputes, I am going to seek litigation for all the troubles youve caused me. I am trying to have these errors corrected for my family, but you seem to be not interested in helping me get this done. My information was impacted by the data breach and may have gotten into the hands of the wrong person and it's your obligation to fix all these errors.
Product: Credit card or prepaid card

This is an addendum to complaint I filed under email : XXXX. 
Complaint number : XXXX. 
To summarize here that complaint. Cashapp has stated they have mailed me my card twice to no avail. I have not received a card. Their standardized response is Since its been more than 14 days since you ordered your Cash Card on [ insert date ] [ insert time ] XXXX ( Central Standard Time ) , it was likely lost in the mail. You can get a new card by tapping below : They have told me this twice and yet again telling me to request the card for a third time. I am refusing and requested a card be expedited to me. Attachments will show a manager removed me and said he could mail my card out expedited but never responded after that email until today. After filing this complaint the manager came back via email and stated that they have reimbursed me the fee of {$5.00} for the specialized card which is not true. The ( other ) complaint which is this one being generated ( an addendum ) to the original XXXX. Is I sent a family member {$5.00}. It never made it to their account. Cashapp said its because they needed to create a new account however this person still has their original account access and card. Cashapp told me to request an official reimbursement I did so ( please see attachment ). They have yet to reimburse the {$5.00} I sent to a family member as well. I requested they the manager cease communication with me via email as he was unable to mail me out my redesigned ( {$5.00} card ) expeditiously without me having to wait another 14 days which would total 42 days with no promise of actually receiving my card. Also because they have bee n unable to reimburse me the {$5.00} I sent to a family member. Important exchanges ( screenshots ) are attached. Which includes the original complaint filed under email : XXXX. This is imperative as not having access to my funds has caused me to fall behind/short on important bills such as my rent and feeding my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Timeline : * On approximately XX/XX/2020, I received a letter from XXXX XXXX XXXX ( " XXXX '' ) dated XX/XX/2020 informing me that the servicing of my mortgage had been transferred from XXXX to XXXX effective XX/XX/2020. The letter stated that my unpaid principle balance was for {$12000.00}. ( copy enclosed ) * I promptly sent a check for the amount of {$12000.00} to the address indicated for payments. 
* Check was returned * A statement, dated XX/XX/2020 was sent to me with the final payoff figures totaling {$12000.00}. I, again, promptly sent in another check with the amount indicated to pay off the loan. ( copy enclosed XXXX In a letter dated XX/XX/2020 I received a letter congratulating me on paying off my letter in full with a payoff date of XX/XX/2020. ( copy enclosed ) * On XX/XX/2020, my credit card company informed me that my credit score had suffered due to a " delinquent status '' as reported by XXXX coincidentally on the same date as my payoff date or XX/XX/2020. My credit rating dropped from XXXX down XXXX points to XXXX. 

*I promptly called XXXX the same date and talked with several representatives ( the one I started with was " XXXX '' ). I was informed that XXXX did not report to the credit bureaus and, in fact, were prohibited by law under the Real Estate Settlement Procedures Act " RESPA '' - the first I had heard of this Act. I was able to convince them that they did indeed do the reporting and was told the only way to " fix '' the mistake was to file a dispute. I promptly did and also filed a dispute with all credit bureaus, The initial delinquent status was removed but my credit rating did not recover to XXXX. 
XXXX XXXX XX/XX/2020, XXXX again reported me as delinquent ... ... I immediately called XXXX and they were as dumbfounded as me ... perhaps more XXXX than founded ... ..I was told that they would immediately start working on it and that I would not have to file a dispute as they recognized that they had a reporting issue .... 
*Today is XX/XX/2020 - I just completed yet another call with Arvest and spoke with " XXXX XXXX who informed me yet again that there was no way they had reported it.. After encouraging her to read my file she put me on hold for several minutes and then informed that the person who was working on it " was away from his desk ''. 
*To summarize - Arvest is continuing to report me as delinquent on every scheduled payment even though 1 ) the loan was completely paid off on XX/XX/2020 as even they acknowledge by letter, 2 ) I STILL have not received my lien release ( they informed me it as in process ), 3 ) My credit rating has suffered severely dropping from the highest percentile to " average '' through no fault of mine, and 4 ) They are PROHIBITED BY LAW to report anything to credit bureaus within the first 60 days of transfer. 
I NEED HELP AS THEY ARE TO INCOMPETENT TO FIX THEIR OWN MISTAKES.
Product: Credit card or prepaid card

I continue to not get returned phone calls, after they have called me on my home line, which I rarely use. 
I have given them my cell number more times than I can count. 

Soon they will tell the CFPB that they contacted me, or sent me a letter, and you all will believe it, because you have on the 3 previous attempts. 

The CFPB seems to be a worthless agency as far as getting anything actually accomplished. 

They are obviously discriminating against me because of my age. The XXXX XXXX XXXX  has the same product. They qualified me in 10 minutes, and got my card to me in 2 days.
Product: Credit card or prepaid card

My auto payment did not go through again for  XXXX   2017 . I reported this in  XXXX  with case number  XXXX  and it has happened again. The company assessed me a late payment of {$37.00} hours after the payment was due but it was n't paid because they did n't do the auto payment. I called and no one will remove the late charge again. T he first operator hung up on me after I was on hold for 11 minutes and then I called again spending a total of thirty minutes on the phone. They claim they were training after the last incident but clearly that did not ha ppen.
Product: Mortgage

I filed a Chapter XXXX in XXXX XXXX. The bankruptcy attorney told me that before my petition could be filed, I had to surrender collateral. I owned a property in another state. I surrendered the property and my petition was filed and confirmed. During the course of the bankruptcy period, XXXX XXXX XXXX sold my loan to Selene Finance in XXXX. I thought since I surrendered the collateral that released me from all rights, title and interest in the property in XXXX, which meant that I should have been removed from the title and deed of the property. That was not the case and now Selene is foreclosing on the property. They have promised that the foreclosure would not appear on my credit and that my name would be removed from the title and deed. This process should have taken place in XXXX and not now. I am requesting that they stop the foreclosure and do a quit claim deed or deed in lieu of foreclosure. If not that, how much would it be for a possible settlement to get a release?