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

I placed an order online using my Asscociated Bank Master Card Debit Card for my checking account on XXXX XXXX 2021, Never received items and filed a dispute with the bank XX/XX/2021, Supplied copy of a letter from the XXXX XXXX XXXX in XXXX, Delaware showing that they found the company closed down, along with other complaints from people with the same problem, I also gave copies from XX/XX/XXXX of an email showing that they havent sent item yet, along with several pages of similar compalint from many people. Tried contacting the Company thru email since that as the only option on the website, and never received response, Associated Bank denied my dispute because they said the company shipped my items on XXXX, XXXX, 2021 with NO PROOF of shipping info, ( tracking number, shipping receipt ), Bank didnt bother to look at the 14 pages of Compelling information showing that the company was a scam, file a complaint and they refuse to revisit the complaint I filed with them, The bank has the worse customer service and the fraud investigation company does not have the customers best interest in mind, Would like the bank to investigate and look at the documents I gave them showing the items did not get shipped on date the scam company says it was
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.

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 XXXX 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 informationisinaccurate.
Product: Credit card or prepaid card

XX/XX/2013, {$9100.00}, This is a Chase Bank card that is an authorized user account that I have never used or had access to. I have requested numerous times to have my name/ss # removed from being linked to this card since I am only an Authorized User and not a primary card holder, I DID NOT apply for this card. This account is in default by the primary card holder and I have requested to be unlinked from the account so my credit is not tarnished by this primary card holder that is not paying the bill.
Product: Credit reporting or other personal consumer reports

I have XXXX account with XXXX. A XXXX credit and a XXXX cashback mastercard. On the credit, I had a {$3500.00} limit. On the master card I had a {$2000.00} limit. I owed on both cards approximately 75 % balance. On the month of XX/XX/year> I completely paid both cards in its entirety. Leaving me with a zero balance on both. XXXX bank decided to drastically reduce my credit limit on both cards to {$100.00} which is extreme. I understand the reduction in credit but that drastic is not fair. Especially when I have not been late or delinquent with their accounts. Ive since then reached out to XXXX and synchony expressing my frustration and concern with to remedy. Id really like my limits back to where they were and more if possible because Ive shown I can run up a bill and pay it off. Its not fair the way they drastically reduced my limit. It hurt my credit.
Product: Mortgage

I want the CFPB to protect me 1. I DO NOT OWE Select Portfolio Servicing {$260000.00} 2. I did not owe the XXXX XXXX the money I paid them. 
3. I did not owe XXXX the {$53000.00} balance for which they foreclosed on my property 4. They had no right to foreclose on my property for a XXXX bank loan I paid off in a mortgage on my house. 
5. There was no XXXX loan they took MY money to pay off XXXX. Now I 've paid back my credit money with interest paid someone else that did n't give it to me and it was still in the mortgage on my house I paid again. 

I have paid {$540000.00} cash to my first mortgage I have paid XXXX separately to the second mortgage I paid an extra {$45000.00} to a VA loan no one gave me. ( I paid off my buyers loan ) I paid the balance AND {$130000.00} to the XXXX loan before they foreclosed I have paid at least double taxes and insurance on XXXX properties. XXXX of which I did not own. 
I have paid off XXXX thirty year loans in 15 years. 

Amount borrowed XX/XX/XXXX someone gave me {$47000.00} for my duplex XX/XX/XXXX someone loaned me {$210000.00} for my house XX/XX/XXXX someone loaned me {$38000.00} I have paid {$850000.00} in cash, a duplex and a {$270000.00} payoff statement for my {$270000.00} house. 

{$540000.00} to XXXX for {$430000.00} {$100000.00} {$840000.00} to XXXX XXXX XXXX for {$740000.00} {$85000.00} {$580000.00} to XXXX for XXXX XXXX {$69000.00} to XXXX XXXX for XXXX {$48000.00} XXXX total paid. To house XXXX principal XXXX due XXXX owed XXXX paid. 
They owe me {$130000.00} on the first {$45000.00} on the second ( XXXX ) Or XXXX {$180000.00} for my duplex And the {$270000.00} we do n't owe XXXX {$49000.00} field adjustment = XXXX escrow disbursed since XX/XX/XXXX Or XXXX for XXXX properties since XX/XX/XXXX. 
{$32000.00} field adjustment = duplex balance? 
Or XXXX x XXXX + XXXX paid to XXXX Regardless count {$150000.00} paid to house. 
And {$130000.00} to duplex + XXXX overpaid to XXXX {$300000.00} + XXXX not owed XXXX paid to house pays XXXX 15 year loan. 
{$250000.00} - XXXX escrow they owe me {$170000.00} XXXX? 
They owe me another {$130000.00} for my duplex Escrow on duplex? They owe me another {$27000.00} less XXXX escrow disbursed at XXXX {$310000.00} XXXX do n't owe {$580000.00} is how much somebody owes me
Product: Debt collection

XXXX XXXX  XXXX  XXXX  is charging me {$430.00} for an appointment that was not mine and impossible for me to partake in.
Product: Checking or savings account

I opened a checking account online with Citibank, never used it and requested thru chat to close it when I was charged an inactivity fee. It took two separate attempts on chat to close the account, each month the account would be at {$0.00}, they charged the inactivity fee and then an NSF fee. It seemed that the account closed because it is no longer on my online banking when I sign in. 

I received an email on XX/XX/XXXX stating my account is overdrawn {$46.00}. I called to resolve the issue today XX/XX/XXXX, but no one will help me because I do not have the account number. I don't have access to the account number because it is no longer available online. I am told I can not be helped and the phone line goes dead when I ask to file a complaint. 

These charges are deceptive, false and now impossible to resolve. 

A company this large should have a better system to handle complaints. Using a foreign call center who disconnects the call is unacceptable. I made three attempts to resolve this today between XXXX and XXXX.
Product: Mortgage

I submitted all my information for a short sale on  XXXX   XXXX ,  2017. Every ti me we call in they say there is nothing new to report and it is still in the process of review. They are failing to abide by timeline guidelines for response and the initial processor will not give a point of contact on the file, so every time I get different information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 {$1400.00} Cleared The company has been paid with an agreed settlement Paid XXXX It should not show past due. We agreed on a settlement
Product: Bank account or service

I went to close my mothers IRA at a Wells Fargo branch. I have power of attorney. I even provided the original documents. Both the banker and the main office denied the document. They obviously did not bother to read it as Section B clearly states I have the right to close the account. Per their own admission, the account will simply sit in limbo no once could advise on what to do.
Product: Money transfer, virtual currency, or money service

Block , Inc due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

*THIRD REQUEST NOT DUPLICATE REQUEST* I have been disputing with Experian for quite a while. They do not investigate, and they send stall letters claiming they are which they are not. 
The following accounts are reporting as active payment history every month even though they know the accounts are over 180 days which is FALSELY against the state of limitations. 
XXXX XXXX XXXX  date closed XX/XX/XXXX claimed its sold but is showing the original creditor and the sold company. They are reporting a balance every month as if the payment is active history. XXXX {$420.00} XXXX XXXX- date closed XX/XX/XXXX claimed its sold but is showing the original creditor and the sold company. They are reporting an active balance every month since XX/XX/XXXX making the payment history report a balance every month over the 180 days. Balance is XXXX ________________________________________________________ XXXX XXXX failed to invite me to the live auction. Failed to send me the bill of sale reporting every month by Experian as an active payment history closed XX/XX/XXXX I have no problems suing Experian and that is my next step if this is not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander bank still is reporting negative items on me wrong info and it sold the car it shouldnt be on my credit reports all 3 credit agencies are reporting it shared info that I never gave to them the car was repoed voluntarily because of my illnesses. Iam on ssdi I reported this this should be off my credit report for false information and for sharing my info to companies to just mentally make it worse for me. Something has to be done we need to do something with the guy in the White House that are for the rich corporations going after the weak and vulnerable.. XX/XX/2015 its 5 years old and its bull that the buearus are sticking up for Santander Bank XXXX Its illegal but we know the rich can do illegal stuff and get away with it..
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I made a payment of over {$3000.00} to Santander Consumer USA after being fired from my place of employment in XXXX of XXXX following an incident in which I was hurt on company property. I found new employment in XX/XX/XXXX and was able to combine funds from my new employment to make a size-able payment to Santander to catch up on my car loan from the time I was unemployed. In XXXX of XXXX, I was laid off from my new job due to the Covid-19 pandemic and while I applied for unemployment, it took over 4 months for my application to be processed and I received a back payment in XXXX of XXXX. This was my first unemployment payment. In XXXX of XXXX, my XXXX XXXX XXXX was repossessed due to non-payment. I made all of my creditors aware of the fact that I had been laid off in XX/XX/XXXX, and all of them worked with me EXCEPT for Santander Consumer USA. I was waiting to receive my unemployment to try and catch up on everything that had fallen behind, including my car loan. They repossessed my vehicle prior to my unemployment ever being received. I tried talking to them via telephone and they would not work with me. Additionally, they have since written my debt off as bad debt but continue to report a past due balance on my account which is a violation under the FCRA. I have made disputes both with Santander and all 3 Credit reporting agencies, I entered these disputes on XX/XX/XXXX, it has now been nearly 60 days and I have yet to hear back from Santander or the CRAs regarding this matter. I requested the account be removed off my credit and have yet to receive a response. Additionally, it has recently come to my knowledge that there was a bill presented in XXXX : XXXX XXXX XXXX in which it states that there is a restriction of the repossession of vehicles for certain persons suffering financial hardship as a result of the Covid-19 pandemic until the expiration of the restrictions on business, yet my vehicle was repossessed before the mandatory quarantine was ever lifted. Please help me remove this account from all three of my credit reports as it not only caused me great suffering in XXXX of XXXX when it happened, but it is STILL impacting me today, as I am still unable to purchase a new vehicle due to the impact this has had on my credit and personal finances throughout the Covid-19 pandemic. 

Thank you.
Product: Credit reporting or other personal consumer reports

Despite my previous efforts to rectify this issue, it has come to my attention that the erroneous items have not been removed as required by law. Under section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated that any accounts opened due to identity theft must be promptly removed from my credit report upon receipt of an FTC fraud report.

These inaccuracies are causing significant distress and may adversely affect my financial well-being. It is imperative that you take immediate action to remove these fraudulent accounts from my credit report in accordance with FCRA guidelines.

I request that you provide confirmation of the removal of these fraudulent accounts once th
e necessary steps have been taken. Failure to comply with FCRA regulations may result in further action being taken to protect my rights under the law. The following items should be removed as soon as possible : 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 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: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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: Credit reporting, credit repair services, or other personal consumer reports

I have contacted capital one on several occasions regarding a loan that's on my credit report. I have advised several times that information was incorrectly listed on my credit report. I contacted Capital one in XX/XX/2021 asking for the payoff amount. I was told the amount and a check was sent. For 3 months after the check was sent it said that the card was paid off and it was reported that it was on time then XXXX through XXXX its showed late and in collections regarding XXXX so no one ever explained that XXXX was late on the account I was told the account was completely paid off in XXXX. This is really hurting my credit I advised capital one of this and they are not helping with the current situation.
Product: Credit reporting or other personal consumer reports

I contacted my mortgage company because I received a letter from them regarding a data breach. I wanted more information about it, but they refused to assist me. The name of the company is XXXX, and their website is XXXX XXXX XXXX. Due to this incident, I experienced identity theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I have already filed an FTC report. 

These inquiries are : 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 have inaccurate information on my credit file, that I been fighting to get off my report. I can't seem to get any help from the credit bureaus.
Product: Debt collection

I was in a car accident in which I was deemed to be NOT " at-fault. '' The case went through litigation and was handled and paid out from a lawyer. All involved parties were released and satisfied! Collection agency is reporting and re reporting debt after it is removed and deemed invalid. These debts are showing for the third time this year after being removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft XXXX XXXX XXXX XXXX Automobile Dealers,   Used XXXX XXXX Student Loans XXXX Auto Reseller XXXX XXXX Auto Financing Companies XXXX XXXX Auto Financing Companies XXXX XXXX XXXX XXXX All Banks - non specific XXXX/XXXX Department And Variety Stores - non specific XXXX  Personal Loan Companies XXXX  Personal Loan Companies XXXX Personal Loan Companies XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX Automobile Dealers, Used XXXX XXXX XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX Credit Unions XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/21, XXXX XXXX, I have sent disputes to this company XXXX times, and they are still holding inaccurate information on my reports. 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 1692C Without the prior consent if the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692g ( B ) Disputed debts If the consumer notifies the debt collector in writing within the XXXX period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the XXXX period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the XXXX period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 15 U.S. Code 1692b ( 2 ) not state that such consumer owes any debt. 

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. You sent me a copy of a bill you had no HIPPA RELEASE ATTACHED! I will use this in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORT ACT XXXX  ACCOUNT # XXXX, ACCOUTS # 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 SECTION 2.

IT ASLSO SAYS, STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A, ACOOUNT WITHOUT MY WHITTEN INSTRUCTIONS.

DELETE ACCOUNTS PLEASE!
Product: Credit reporting or other personal consumer reports

complaint for LightStream Bank inquiry Reported on XXXX XXXX I never apply for Lightstream Bank this is a Fraud, this is reporting on my XXXX report and it needs to be deleted off my report. already disputed with them but they still have it on my credit report. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX complaint About XXXX has accounts on the reported wrong on my credit report.because now these accounts do not belong to me now. they where included in a XXXXXXXX XXXX the accounts is 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 XXXXXX/XX/year> I have PREVIOSLY DISPUTED AND THEY DID NOT DO ANYTHING. ALL THESE CREDITORS WAS CHARGE OFF AND PASS TO A DEBT COLLECTTOR.I DID NOT GET ANY CONTRACT FROM ANY OF THEM AND ALSO I DO NOT OWE ANYBODY.I REQUEST THAT THEY DELETE ALL OF THESE ERRORS ON MY CREDIT REPORT. XXXX REPORT THESE ERRORS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX you guys have my old phone number is XXXX my new number is XXXX please update in your systems.
Product: Vehicle loan or lease

I am writing to file a formal complaint against American Credit Acceptance regarding an auto loan XXXX XXXX XXXX XXXX XXXX ACA XXXX XXXX XXXX XXXX ) that was initially co-signed by my ex-wife and myself. Despite my status as the primary borrower, I was kept in the dark regarding key decisions that have severely impacted my financial health and credit score. Here 's a summary of the situation : 1. During our divorce, my ex-wife left me the car, as I used it for my XXXX XXXX Upon receiving it, I realized the loan was upside down. 2. I took steps to resolve the debt by voluntarily surrendering the car for repossession. 3. Unbeknownst to me, American Credit Acceptance allowed my ex-wife to redeem the car. This decision reactivated my financial obligation without my consent or even notifying me. 4. I found out about the unauthorized transaction only when I was contacted by the lender about my ex-wife 's delinquency on payments. 5. Requests to be removed from the loan or gain access to relevant documents have been met with resistance or outright denial. The actions of American Credit Acceptance have put me in a compromising financial situation without my consent and without proper notification. Key Issues : - Lack of Communication : I was never informed of the decision to allow the redemption of the car by my ex-wife, thus reactivating a loan I had considered resolved. - Unauthorized Transaction : The car was in my possession and was voluntarily surrendered by me. American Credit Acceptance should not have allowed someone not in possession of the vehicle to redeem it. - Inadequate Resolution : My requests to remove myself from the loan or at least gain access to my account details have been ignored or lied about. These actions not only violate ethical norms but may also contravene financial laws and regulations. I am seeking immediate resolution of this matter, including removal from this loan and a correction of all associated credit reports. Sincerely, XXXX XXXX