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

Our company XXXX XXXX XXXX has been banking with Chase bank for the last two years. We get paid for the service we provide by the treasure department that who we do business with and we deposit them in our Business checking account. We have been doing business for two years no issues in the past in regard to the deposit that we receive from treasure department. a few months ago we made a deposit for {$110000.00}. The account immediately got froze. We call the bank and we spoke to our account management representative to find out what was the issue. She stated that they were doing further verification to allow them a 5 business date. A few weeks after that we call again and they have closed our account I ask why they close our business account they told me that they want more information in regards of those deposit.I provide them with the statements from where we get paid. I provide them with the phone number from the institution that paid us which is the treasure department, I also offer them to get on a 3 way phone call, however they say that due to bank policy it was not allowed. a few weeks later we call again to follow up on the statement that they have requested via email. They said that the statement we provided they were not going to accept it. and they need to verify directly with the treasure department however that has not happened. Business has suffered multiple issues and regards to this matter. I have spoke to a representative at chase bank his name is XXXX XXXX, phone number is ( XXXX ) XXXX Ext XXXX. We also may complain to the XXXX, complain number is XXXX.
Product: Debt collection

I got a judgement placed against me in XXXX ( after the money order for the original debt had been received & cashed ). Anyhow, I thought after they rec'vd the money order they would just drop the case. They did not. They got the judgement because I did not show up to court. I hired a lawyer to help me with the case in XXXX. I thought the lawyer I hired took care of the case, only to find out recently that the Lawyer I hired had been disbarred. Now they are tacking on 10 years worth of interest & they have my social security number on display on the XXXX XXXX XXXX for the world to see. Its a debt collection Law Firm called XXXX, XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX )
Product: Student loan

I have 4 loans and 23 of the payments are not being counted because loan services did not calculate payments correctly. Mohela had discard payments from XXXX. I have made 120 payments as a public service employee.
Product: Credit reporting or other personal consumer reports

I initiated a complaint about the block pursuant to XXXX which states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. TransUnion has violated my consumer rights by denying my request. On XX/XX/2023 I submitted a CFPB identity theft complaint to Transunion stating the following : There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. Accounts are listed below : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. Transunion denied my request ( see attached letter )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  / XXXX listed on my other accounts this is a fraudulent account I dont think is even a legal agency I had ask them and mailed letters with identification to provide proof of this collections with no response I am not at all responsible for this collections and cant find this company anywhere I believe this was fraudulent submitted in my name and will ask EQUIFAX to remove this from my report immediately!
Product: Credit reporting or other personal consumer reports

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : INQUIRIES NAME AND DATE I HAVE NOT AUTHORIZED THESE AND HAVE NO KNOWLEDGE OF THESE INQUIRIES 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. XX/XX/XXXX
Product: Debt collection

This is still with regard to my previous request for the company to send validation of debt ( complaint XXXX  XXXX ). XXXX  mentioned that you are sending me a document but I still haven't received anything that looks like a validation of the debt and according to FDCPA, you must provide the validation letter when requested. Please send a copy when your response to this complaint so the CFPB would know of your compliance. Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : FILED FTC 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After a careful review of my credit report, I noticed the following mistakes, unknown accounts inwhich obviously occured at the time of my identity being compromised and relocation of cities. I'm demanding that the major credit reporting agencies provide me with physical documentation before reporting such acts. And as a general rule of law electronic Verification can not be accepted as proof. And as stated within the FCRA laws these accounts shall be blocked immediately. 

Accounts 1 ) XXXX XXXX {$3200.00} 2 ) XXXX XXXX {$1700.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX account number XXXX amount {$450.00} XXXX XXXX account number XXXX amount {$460.00} XXXX XXXX XXXX XXXX account number XXXX amount {$580.00} XXXX XXXX XXXX account number XXXX amount {$600.00} XXXX XXXX XXXX account number 1961 amounts {$1000.00} XXXX XXXX XXXX account number XXXX amount {$2100.00} XXXX XXXX XXXX account number XXXX amount {$23000.00} have violated my rights 15 u.s.c. 1681 section 602.a status i have the right to privacy.

15 u.s.c. 1681 section 602a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 u.s.c. 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any following items of information any other adverse item of information, other than records of convictions of crime 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. my information was exposed to a data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It have been way over 30 days and I have not received any investigation results.
Product: Payday loan, title loan, or personal loan

On XX/XX/2023 I applied for a {$300.00} loan was asked to sign contract did for the {$300.00} next thing i know i am getting one for {$500.00} and asked to sign it but did not ask for the {$500.00} TODAY XX/XX/2023 was asked to send over copy of bank statement and copy of paystubs then sent message to sign contract again that i had missed a signature line go in and now it is {$800.00} still only asked for the {$300.00} i was denied for the {$800.00} But did not want the {$800.00} I only applied for {$300.00}. When i called to speak to a manager and supposedly they were all in a meeting. When i try to go back into the documents it doesnt let me see any of it other than a denial letter and no loan number at all.
Product: Credit card or prepaid card

So I won my unemployment appeal XXXX XXXX and payments were being added all the way to XX/XX/XXXX. Well I seen I was missing over {$4000.00} I never retrieved and at first they kept saying call Oklahoma unemployment agency because supposedly they relinquished it and at first I had to wait to get out of fraud which was from XXXX XXXX all the way to now instead of agent disputing the issue she threw me in fraud the issues is on XX/XX/XXXX it was an reversal debit for {$1500.00} than another reversal debit on XX/XX/XXXX for {$750.00} than an provisional credit supposedly for {$2200.00} on XX/XX/XXXX than on XX/XX/XXXX an provisional debit for {$2200.00} and than on XX/XX/XXXX an cash credit client adjustment for {$2200.00} than account back in - {$15.00} I never received my funds that went out as an ach direct deposit to my personal bank account I have been calling in for seven months about returned funds never being added back to card and Oklahoma unemployment agency never got or took anything back they have left me voicemails saying my problem is within way2go conduent payment services in the escalation department someone also hired me for conduent around the same time over {$4000.00} came up stolen off my account I am a single mom and I won my funds fair and square and they just have taken them hangs up and say that my funds were taken for a provisional never given because I have been in fraud due to their agent for 274 days I dont know what to do but is also looking into legal action and yes I did dispute the error and stay persistent but the same girl XXXX XXXX that hired me is also the escalation agent and she gives false alias and have made multiple personal authorization on my account so no one else can help resolve errors
Product: Debt collection

Monterey Financial Services.- ( collection agency ) XX/XX/2021 before we went to Hawaii. This company XXXX  XXXX XXXX is a scam. They will hook you about the {$500.00} gift certificates that they will give if you attent the phone seminar then after that they ask you to be a member and ask you to pay {$1200.00}. They got the {$1200.00} on my checking account but the same day I told them to cancelled. Now Monterey financial is harassing me to pay {$4400.00} and said they will put that to my credit history.XXXX XXXX XXXX and Monterey Financial are business partners base in Hawaii. Check the XXXX  reviews .. a lot of people got scammed.Thank you!
Product: Mortgage

1. Lender has grossly mismanaged escrow account. Home was sold in a tax sale on XXXX occasions with most recent tax sale XXXX XXXX, XXXX whereas I had to pay the attorney fee of {$860.00} so that the lender could be permitted to pay the Maryland XXXX XXXX taxes which can not be paid until the attorney fee is paid which is why I paid the {$860.00}. 
2. Lender since XXXX, has failed to provide any yearly accounting for escrow account/disbursements nor has the lender provided monthly statements. 
3. Lender has failed to accurately provide XXXX statements reflecting correct interest paid during a particular year. 
4. Lender has failed to reflect accurate mortgage balances because I receive no monthly statements.
Product: Credit card or prepaid card

Capital One states regarding XXXX payment it is 45 days past due until today ; Ive made a payment XX/XX/XXXX for XXXX dollars also a payment on XX/XX/XXXX for XXXX dollars creditors give a grace period before reporting late payments to the credit bureaus capital one is pulling this tactic of putting a late payment on my credit score to intimidate and enforce larger payments ; I was told by capital one if I dont satisfy the minimum amount due every month late payments will continue to be reported to the credit bureaus every month
Product: Debt collection

I AM CONTINUING TO INFORM YOU THAT XXXX IS REPORTING INACCURATE FRAUD INFORMATION INTO MY CREDIT FILE. YET YOUR COMPANY CONTINUES TO REPORT MEDICAL BILLS THAT DO NOT BELONG TO ME. HOW HAVE YOU VERIFIED ANY OF THIS? WHOM HAVE YOU SPOKEN WITH? AND WHAT DOCUMENTS HAVE THEY SENT YOU PROVING THAT THESE ACCOUNTS ARE MINE? NOT ONLY THAT, MEDICAL INFORMATION BEING REVIEWED AND I HAVE NOT GIVEN PERMISSION TO IS A VIOLATION OF HIPPA. SO HOW IN THE XXXX ARE YOU VERIFYING ANY INFORMATION WITH XXXX AND THEY CANT VERIFY ME WITH ANYTHING? THEY HAVE NO CONTRACT BEARING MY SIGNATURE AND A PAPER WITH A BILL IS NOT LEGAL DOCUMENTATION. I WANT THESE ACCOUNTS REMOVED IMMEDIATELY OR I WILL BE FORCED TO PURSUE LEGAL ACTION AGAINST TRANSUNION AND XXXX. 

YOU ARE ALSO REORTING ANOTHER ACCOUNT WAYPOINT RESOURCE THAT DOES NOT BELONG TO ME ITS A RESULT OF IDENTITY THEFT PLEASE REMOVE.
Product: Vehicle loan or lease

I fill out an credit application with XXXX and the credit application got sent to Exeter. I need Exeter to send me a audit trail of my credit application, all documentary evidence with my name and social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to willfully and knowingly violate the law according to the FCRA. I have reached the point where I am seeking legal counsel to assist me because after countless request to have inaccurate and fraudulent information verified and if not removed, they continue to evade me and will not comply with my request for proof of these accounts. I have sent several request to provide proof sent proof that my personal information including social security number address and birthdate have appeared in numerous data breaches. All I have received are copies of my credit report. With the same inaccurate information. Im exhausted with sending letters and abiding by the law yet Transunion continues to violate my rights. I will continue to file complaints until you all make them remove these inaccuracies.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : 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 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 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: Consumer Loan

I have a problem with Santander bank on our credit reporting. We had an automobile with XXXX then Santander bought the Contract. We had problems with this bank and we complained about them. 
Now we are having a problem again. We had paid car payments for this vehicle. The bank had the payments, and a repossession order had been issued. We were not informed of a pending repossion if so, Santander would have known the payments were in their XXXX. 
When on or about XX/XX/XXXX the car was taken. We informed Santander the payments they had them. The car was then returned 20-30 minutes the same morning. 
Santander Bank said that it was their mistake the repossion fees would be waived and the repossion would not appear on our credit report. This was in XX/XX/XXXX. 
We have found out it 's on our credit report and will remain there until XX/XX/XXXX. I have been in contact with Santander Bank today XX/XX/XXXX. I was informed there was absolutely nothing they could do. We were given the runaround when we began to investigate them we were given 3-4 different number to call each one was the wrong number. 
We feel this mistake of credit reporting is unfair. We paid for this car and can not get another car loan because of this.
Product: Checking or savings account

Unauthorized transactions, I informed them the transactions were not me gave time and places to where I was and how it was not me. Did not try to help or reimburse me. Single mom I really needed that money.
Product: Credit reporting or other personal consumer reports

XXXX continues to illegally report a fraudulent XXXX XXXX account ( # XXXX  ) ** listed in my FTC Identity Theft Report ( # XXXX ). Despite XXXX prior disputes ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and XXXX obligations, XXXX refuses to delete this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$40.00} debt opened fraudulently in XXXX. 
- **Fraudulent Addresses** : XXXX XXXX XXXX XXXX XXXX XXXX ( used to open the account ). 

**Violations** : 1. **FCRA 605B** ( 15 U.S.C. 1681c-2 ) : Failure to block identity theft accounts per FTC report XXXX 
XXXX. **FCRA 611 ( a ) ( 7 ) ** : Refusal to disclose verification method/documents after disputes. 
XXXX. XXXX XXXX XXXX : Use of prohibited automated systems ( e-OSCAR ) instead of lawful investigations.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states that I have the right the privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan any purpose
Product: Student loan

Below are the dates and details of interactions with customer service representatives at Aidvantage From XXXX to XX/XX/XXXX. 

XX/XX/XXXX Called Aidvantage early that morning to request a refund of payments made from XX/XX/XXXX to XX/XX/XXXX. The customer service rep confirmed they submitted a request for refund on payments. They gave a time frame of 6 - 8 weeks to receive the refund and that the account balance would reflect once the refund was received. The process was easy but felt rushed to be off the phone. 

XXXX Called to check the status and confirm refund amount and time frame. The rep was very kind and thorough. This rep did not see that any refund request was submitted, and said that the previous rep never submitted anything. They apologized profusely and then told me the refund amount. They said they first had to submit a " refund amount approval '' that could take until XX/XX/XXXX. They went on to explain this was likely to happen even sooner and that in another 4 to 6 days, they would begin processing the refund, from there it would take another 6 - 8 weeks to receive any funds from the Treasury and the account balance would update in the next 30 days. This information was conflicting from the last rep but they didnt even submit my refund request so didnt question it. 

The weeks following XXXX up to XX/XX/XXXX I checked my account balance with Aidvantage and XXXX often ( at least one to three times a week ). There were no updates or movement on any of my accounts. 

XX/XX/XXXX Spoke with a very friendly rep that confirmed the amount was approved on XX/XX/XXXX and still processing, nothing was sent to the Treasury. They said my account wouldnt update until they heard from the Department of Education and that wait times were quite high. They gave a new time frame of XXXX - XXXX weeks. Again, some conflicting information and very frustrating. 

XX/XX/XXXX Checked in on the status by calling in. The rep seemed the most informative so far and was understanding of my frustrations. They that said my refund amount was approved in XXXX and the new timeline is 10 to 14 weeks. The also said my Aidvantage account balance would update before I would receive anything from the Treasury which they were waiting to hear back from. 

Most of the reps were helpful, kind and understanding but after the initial lie about submitting a refund request and then on-going conflicting information about the status of my request and the timelines, my confidence that any of this information is accurate or that a refund will be processed is completely broken. Im especially concerned that if the requested refund is not processed soon, that I could be responsible for paying interest on loans that I never even let accrue any interest, all because of Aidvantages mishandling and incompetence.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balanced : {$1200.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00}
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. Account XXXX XXXX  account number XXXX Account XXXX XXXX XXXX  credit account number XXXX I look in Transunion for credit report on XX/XX/year> and notice something are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximal possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( exb ). And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatments of inaccurate or unverifiable information. ( A ) in general after any reinvestigation under paragraph ( 1 ) of any information disputed