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

On XX/XX/XXXX I attempted to deposit into my Santander account two checks that I received from my Home Insurance to cover storm damages to my house, so that I can have the house repaired. One check was for {$350.00}, and another was for {$8400.00}. Both checks were made out to myself and c/o XXXX my mortgage company. Both checks were endorsed in the same way by my mortgage company. The smaller check went through with no issues. After not seeing the {$8400.00} amount showing up on my account as a deposit after several days, I called Santander customer service to ask what the issue was. They claimed that due to the amount of the check, it was put on fraud hold. I went back to my bank in person on SaturdayXX/XX/XXXX, where they wanted me to fill out a fraud document, which I did, but they will still not tell me when they will deposit this money to my account and it is nowXX/XX/XXXX. They will not give me any information about when these funds will be available.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached copies of the - CAROLINA FINANCE , LLC   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , NC- XXXX  prior to the deletion that occurred in XX/XX/XXXX  per law. The original date of the first delinquency was  XX/XX/XXXX which has now been reentered illegally reflecting a date of 1 XX/XX/XXXX . Also, my credit score has taken a major hit as the account is reported as the first major delinquency as  XX/XX/XXXX  which was previously listed as  XX/XX/XXXX . I have attached a copy of the  XX/XX/XXXX  reported where it was aged off but it appears they are attempting to illegally re age the account to remain on the report.
Product: Credit reporting or other personal consumer reports

I called Transunion to follow on the inquires that I don't recognize, I've contact the company and there is no account connect/ open with them. I was told by the Transunion agent they can help but I would have to file a report CFPB and thats the only way to remove after my call with them. The inquires to be remove on my account are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to bring to your attention that I have sent multiple letters requesting this information, none of which were answered within the legally specified timeframe. This continued non-compliance is not only frustrating but also a violation of federal law. Your failure to respond appropriately within the specified period has left me with no choice but to seek resolution or remedy through alternative means to which I am legally entitled. This is a formal request under the FCRA, and I anticipate a response within XXXX weeks. Non-compliance with this request within the specified timeframe will be regarded as a violation of federal law, necessitating further action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse. 
I appreciate your prompt attention to this urgent matter and look forward to receiving a detailed method of verification for the disputed item ( XXXX ) at your earliest convenience. 

Thank you for your cooperation. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. The following information is incorrect XXXX XXXX Account Number : XXXX Please update all payment, All payment was made on time 6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

11. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent off on XX/XX/2022 I told the credit bureau to investigate every piece of information on the accounts listed below. Also, I have attached the letter sent out. 

According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurately. And according to the FRCA 15 USC 1681, everything has to be 100 % accurate. 
Account XXXX XXXX XXXX Account Number XXXX Account name XXXX XXXX XXXX account number XXXX Account name XXXX XXXX account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  discover # 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 602 A 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.
Product: Debt collection

I sent a letter to validate the debt to Systematic National on 3 occasions. One on  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX . I have not received any validation of the debt or response within timeframe. I spoke with a rep from Systematic today who stated he does not have any proof of the debt and to contact the original creditor which is   XXXX   XXXX   XXXX   XXXX  . I called   XXXX   XXXX    and was told that the debt is with the collection agency so I have to communicate with them for everything. I called the guy back and he stated again that even though they are the ones collecting the debt they do not have the validation of the account. This is illegal and should not be reporting to   XXXX   XXXX   or to the credit agency 's. This debt can not be validated as mine and they are not cooperating with my request for verification.
Product: Money transfer, virtual currency, or money service

A scammer is using zelle with the number XXXX ( XXXX ) XXXX as XXXX XXXX. The number responded saying it wasn't her but when I tried requesting my payment back through zelle, her information popped up. I wasn't able to access my zelle at the moment so I had XXXX XXXX them to the account $ XXXX! Her XXXX is @ XXXX. She also has another zelle account under " XXXX XXXX  '' which they requested a zelle transaction which shows it is from XXXX.
Product: Credit reporting

I have XXXX medical bills on XXXX and XXXX XXXX accounts all in collections that were ALL removed and now they are back on my report. I do n't owe XXXX anything and I have medicade so the medical bills should have been billed to medicade not me. Also XXXX and experian do not show all of my good accounts and refuse to add them. experian has refused to remove any of the medical bills they show. the only report that is correct is XXXX. They removed all of the fraudelent accounts from my idenity theft all of the medical bills and they show all of my good accounts. I am so aggervated with fighting with experian and XXXX to fix my reports. I want to buy a house and this is making it impossible. Can you please help me?
Product: Bank account or service

I wanted to see I can can get a credit increase on my credit card from chase bank so I asked and at first I really did not understand the girl but I started to listen really hard and I started to pick up what she was talking about. we went through the process and then I was declined and then she told me that after 180 days you can ask for a increase than I told her then why didnt you tell me before because I would of said no I have only had my card for 4 months and at XXXX after 3 months you can ask for a credit increase, but they didnt tell me until me until after the fact and they keep saying that I gave the approval for the go a head to run the credit, these people lie just to run your credit score and are very unprofessional, while talking to XXXX I had asked him to let me speak and he did and when I asked him a question he would not answer back or respond he would just stay silent then he would say why I am letting you talk, he was acting like a child.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX  XXXX Balance : {$4400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I attempted to contact Equifax via the following link to their website : https : //www.ai.equifax.com/? XXXX This website continously " times out '' and fails to load, thereby denying consumers access to correct their credit reports and dispute inaccuracies.
Product: Mortgage

After I was denied a loan modification I submitted a short sale. The offer was {$370000.00} see attached proof. The appraisal was {$400000.00} completed by Fay Servicing, see attached proof. Fay counter offer was {$500000.00}. We have been going back and forth and they are not helpful at all. They even are refusing to order a new appraisal, as this one is almost 6 months old. 

The number 1 complaint is this appraisal was done by Fay Servicing and it came in at XXXX. The counter offer of XXXX by fay servicing shows that they are not working in good faith and they are just looking to foreclose and own the property. I do not believe they are aware that in today 's market if they got XXXX after a foreclosure they would have spent 1+ years of maintenance, taxes, insurance and loan up keep, which would bring their total net amount much lower then they are getting on the short sale.
Product: Student loan

XXXX XXXX was assigned to service my XXXX XXXX in XX/XX/2017. Since that time, I have not received periodic statements from them. Today I checked the mailing address on my account and it is correct, and my account preferences that all statements should be mailed to me. There is no reason I should not have received statements via mail. 

This morning I received a prerecorded call from Heartland telling me to call them back. I never consented to receive prerecorded calls. I called them and was placed on a lengthy hold. During that time I checked my account online. It shows I am three months past due on my account. I NEVER received any statement for any of those charges. I tried to chat with XXXX XXXX on their website and submitted my complaint through their website as well. No response. 

I am concerned that Heartland has now incorrectly reported my account as past due to credit reporting agencies. Heartland needs to IMMEDIATELY correct any incorrect reporting. It also IMMEDIATELY needs to correct my account status and reverse all late charges. Periodic statements must be mailed to me going forward. An explanation letter from them, for my records, is also warranted.
Product: Payday loan

The lenders are informing me through the phone and via email incorrect information about the money I did n't receive. Payday loan and Ace express cash. They have my SSN but they do not have the correct information. They have my address which over 9 years ago. They keep threatening to sue me if I do n't pay it now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to XXXX, XXXX and Equifax stating I opened a XXXX XXXXXXXX card in 2017 and I never received it due to some one stealing my mail and using my card for fraudulent purchases. I ended up having to pay the cards balance off and closed the account but for some reason it still shows negative reports on all 3 credit bureaus. I would like that account taken off my credit reports due to it being used fraudulently
Product: Debt collection

Hello I have XXXX credit reporting agencies trying to collect on a said XXXX XXXX XXXX and they are misrepresenting the facts.
Product: Debt collection

In XX/XX/XXXX, Jefferson Capital sent me a letter stating that if I surrendered my car, they would remove the associated debt from my credit report. I followed their instructions, leaving the car and keys in the designated location. However, they did not retrieve the vehicle. 

By the end of XX/XX/XXXX, the city police department towed the car. I informed Jefferson Capital in XX/XX/XXXX, after being notified by the police. They then stated that I was responsible for paying the impound fees, despite the fact that I had surrendered the vehicle months earlier per our agreement. 

I have video evidence showing that I surrendered the car as instructed. However, every representative I spoke to has stated that they are unable to assist because the car was no longer in their possession. They had ample time to retrieve it but failed to do so. Now, the debt remains on my credit report in XXXX, which was not the original agreement. 

I request that Jefferson Capital honor the terms of the agreement by removing the debt from my credit report, as I complied with the surrender terms. Please investigate and resolve this matter I have the phone calls on recording I let them know it was recorded before it wont let me upload because its XXXX minutes.
Product: Debt collection

XXXX XXXX is damaging my credit due to XXXX I told them to get the car when I had my baby and then still decide to process the repo and is damaging me credit I asked it be remove. It is stopping me from getting a car
Product: Mortgage

I received a letter in XXXX of 2017 from the California State Controller informing me that I had an unclaimed balance of {$1600.00} in escrow funds from a mortgage that I paid off in XX/XX/2017 on a property in California. I contacted PHH mortgage and was eventually able to get them to send a check for this amount to me. I did not receive the check, and when I called was eventually told that it had been sent to the mortgaged property address, where I do not currently live. I had originally included my current address in my request. I have since contacted the company repeatedly and unsuccessfully by phone and email to try to get another check sent to me at my current address.
Product: Mortgage

In XXXX I called a loan originator at USAA to get pre-approved for a VA home mortgage loan. During that phone call I thoroughly explained that I had, at the time, worked for my current company for 1 year and 3 months. I also explained that I am paid an hourly rate on a guarantee of 70 hours a month, unless I work more, then I am paid for the hours I work ( which is on average around 85 hours a month ). Based on that information, the originator pre-approved us for a certain amount under the income of about XXXX pay hours a month ( my actual income ). We then used that pre-approval to find a house and sign a purchase contract. After signing the contract, we then moved forward in the purchase process by both moving forward with USAA in the loan process and having inspections done on the house ( totaling {$430.00} ). 

After submitting all the required documents to a loan processor, the loan went to underwriting, where it was denied. The processor tried several submissions, but each came back with the same denial. The reason behind the denial was that they could only use the guaranteed amount, since I had not been employed with my current company for at least 2 years. This is a basic VA mortgage loan rule. As a result we had to back out of the purchase contract and the house went back on the market and was then sold to another home buyer. 

I feel that since this is such a basic VA rule, the loan originator should have known it, and should have based the pre-approval the guaranteed amount, not my actual income. Had he done so, we would not have signed the purchase contract, and, more importantly, not have done the inspections on the house, which cost us {$430.00} out of pocket. Therefore, I believe that USAA is responsible for the loan denial and should reimburse us for the inspections fees, but they refuse to do so.
Product: Credit reporting

I have sent this information to Equifax too many times to count they are out of time I do n't want an investigation opened I want this account removed as the letter states it not far that I must wait and wait and wait why they do nothing but call and give them my info SS # and address to verify I have an account I am request a final time the that this account with santandr is removed from my credit report they are giving my information away in order verify an account that should be removed I had a inde independent arbitrator on the phone the last time we talked Equifax in not doing things right or legal
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE CLOSED MY CREDIT CARD IN XX/XX/XXXX AS STATED ON XXXX 'S STATEMENT. THEY HAVE CHANGED DATE ON MY CREDIT REPORT 3X BUT HAVE NOT REPORTED DATE THEY TOLD ME IN WRITING THEY COLSED IT. THERE WAS A BALANCE ON ACCOUNT AT THE TIME OF CLOSING. THWY THEN REPORTED A LATE " CREDIT CARD PAYMENT '' IN " XXXX ON A CLOSED ACCOUNT. 

IN XXXX OF XXXX I MADE A PAYMENT. 

ONCE CARD IS CLOSED THERE IS NO LONGER A " REVOLVING DEBT OWED '' AND NOT 2 MONTHS... 

THEY ARE KNOWINGLY REPORTING WRONG INFORMATION. THIS HURTING MY CREDIT AND SCORE. I HAVE DISPUTED WITH XXXX AND XXXX XXXX THWY ALL CLOSE DISPUTE AS RESOLVED AND UPDATED ... YWT ONLY UPDATES ARE CHANGING OF DATES WHICH STILL ARE NOT CORRECT. THEY HAVE NOT ADDRESSED ANY LATE PAYMENT ISSUES IVE DISPUTED. XXXX LATE PAYMENT IS STILL THERE. AS WELL AS A LATE PAYMENT ISSUES XXXX - XX/XX/XXXX WHERE I WAS INCARCERATED  ... SENT MY UNCLE IN TO A STORE IN XXXX AND XXXX OF XXXX WITH A NOTARIZED POWER OF ATTORNEY WITH CAPITAL ONE LISTED EXPRESSLY AS SOMETHING MY UNCLE WAS AUTHORIZED TO HANDLE FOR ME... THEY REFUSED HIM ANY INFO ABOUT MY ACCOUNT ... WOULD NOT TAKE MY PAYMRNT... THEY TURNED DOQN MY MONIES WITH LEGALIZED DOCUMENTATION AND A VALID ID ... .THEN THEY PUT ME DOWN AS BEING LATE. PLEASE CONSUMER CREDIT HELP ME HERE AS I FOLLOWED LEGALIZED WAY TO GET THEM PAID. AND THEY REFUSED TO TAKE MY PAYMENT. HOW AM I LATE IF YOU REFUSE MY PAYMENT. HOW IS THAT ... YOU REFUSE MY PAYMENT ... .LEGALLY NOT ABIDEBY DOCUMENTATION THE COURTS SAY IS VALID IF SIGNED AND NOTARIZED AND ID MATCHIND NAME IS PRESENTED ... .SO THEY BASICALLY TURNED DOWN A PAYMENT FROM ME... BUT I AM LATE ... HOW CAN THAT BE LEGAL OR EVEN FAIR. IVE HAD XXXX  FRIENDS DO THE SAME AND THEY WERE HELPED ... .ID HATE TO THINK SAY AND OR TELL PEOPLE THAT THIS WAS SOMETHING RACIST ... .HE WANTED TO MAKE A PAYMENT ... EVEN TOLD REPRESENTATIVE THAT HE DID NOT NEED INFO... HERE IS MY INFO... JUST MAKE PAYMENT... AGAIN REFUSED ... .BUT ... NOW ... I AM LATE. PLEASE HELP ME ....
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$5500.00} XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX  XXXX Balance Owed : {$650.00} XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXXXXXX Balance Owed : {$650.00}
Product: Student loan

I was in the automatic relief group of the XXXX  v XXXX settlement. Per the settlement agreement my loans were supposed to be discharged by XX/XX/2024 and all credit line of these accounts were supposed to be cleared. I have been calling weekly since the week of XX/XX/2024 because one of the above has happened and my XXXX XXXX were put into repayment. When I call the agents say they have no idea about any of my questions and that they need to transfer or deflect me to a more seasoned agent at which time they transfer me to another call center where a recording tells me to leave my phone number and an agent will get back to me within XXXX hours. Nobody ever calls me back, the agents refuse to let me speak with a supervisor and the agents claim they are not authorized to look into the reasons behind my account. I spend hours every week going in circles with a company that claims to have no knowledge of my loans even though they service them. What they are doing is illegal!