23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I first contacted SANTANDER CONSUMER USA on XX/XX/XXXX regarding the insurance check I received from my insurance company, XXXX XXXX. The check is intended to repair my vehicle, which sustained hail damage during a recent storm in Colorado. 

Per their instructions, I mailed the check to the provided address, which I confirmed online, on XX/XX/XXXX. Upon calling them on XX/XX/XXXX, they confirmed receipt of the check. I requested Santander to endorse and return the check to me ; however, they informed me of a policy requiring checks over {$5000.00} to be sent directly to the repair shop. The representative advised me to email them at XXXX with my car 's VIN as the subject and include the repair shop details. I complied with these instructions, noted down during the call, and emailed them on XX/XX/XXXX, copying the repair shop and requesting the repair shop to provide Santander with any further needed information ; I also provided my phone number for direct contact. 

Despite this, they neither sent the check nor contacted me or the repair shop until I reached out on XX/XX/XXXX and XXXX. After an hour on hold, they claimed the check was not visible in their system. I insisted it was received, as confirmed by other representatives. Following another 30-minute hold, they acknowledged possession of the check but required verbal confirmation from the repair shop. I contacted the repair shop, and they called and confirmed the repair on my car, and it is ready for pick up. 

Even after the repair shop confirmed, Santander failed to send the check, requiring additional follow-up. Despite numerous calls from the repair shop and enduring hour-long waits, Santander continued to claim they were waiting for information from the repair shop, showing a lack of transparency. Additionally, I sent around 5-6 emails to Santander informing them that I had reached the maximum coverage from my insurance company for my rental and that I am now paying for the rental out of my own pocket. 
At this point, I'm uncertain about how to proceed to secure their endorsement on the check. Since Thursday, I've been covering the rental car expenses myself. The process they've outlined is ambiguous, we've submitted everything they require, yet their communication is non-existent. Continuously calling and waiting is not feasible for me. Just today, I missed a crucial meeting to stay on the line, and after an hour and twenty minutes, they picked up only to disconnect abruptly. When I called back and endured another hour 's wait, I requested to speak with their manager ( ID : XXXX ) and implored her to expedite the matter, as I need rental coverage while they sort out their procedures that began on XX/XX/XXXX.
Product: Credit card

XXXX Consumer Affairs : Hoping you can assist in resolving a booking issue. 
I booked a room through the XXXX web site at XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX for XXXX XXXX. Confirmation number XXXX received a confirmation email from ( I thought ) XXXX with the details. Plans changed and I cancelled the reservation shortly afterwards. 
After not seeing a credit for {$1100.00} on my credit card I called XXXX at which time I was told the reservation was non-refundable and made through XXXX. As there was no indication of any third party on any XXXX site or email I received I was quite surprised. 
XXXX personnel informed me I had to deal with XXXX to discuss a refund. ( Shame on me for not seeing, understanding the non-refundable small print. ) I have since contacted XXXX on the number provided by XXXX ( XXXX ). They do not have a listing of any booking. I also contacted my credit card company who gave me another number ( XXXX ) to contact but recordings on that number only give choices to book hotels. Another number ( XXXX ) appears on an email ( assumed was from XXXX ) but this number appears to be associated with XXXX. 
As I feel I have been grossly misled by the XXXX web site and XXXX personnel have not provided me with a contact with whomever I can/should speak with I'm hoping you can best advise whom to get in contact with to discuss a refund or perhaps a credit for the above charge. 
Latest status : XXXX unable to assist as booking was via a third party. 
Chase has replied that can not assist per their policy with XXXX. 
Also put in a complaint with XXXX ( Case Number Reference : # XXXX ... .Thank you for contacting Customer XXXX XXXX A service XXXX has been assigned and will follow up with you as quickly as possible, pending research to your inquiry. ) and no one has followed up with me.
Product: Credit reporting or other personal consumer reports

I was viewing my Experian Report and discovered hard inquiries that I did not authorize. Some of them also appeared on XXXX, and XXXX. Experian would not allow me to dispute them, and to make matters worst : I saw a due date on these hard inquiries. Meaning, they have the authority to continue pulling your credit as many times as they choose until their expiration date is complete, and continuing to bring your credit score down without your knowledge.

This is horrifying.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

It is my understanding that the CFPB has prohibited XXXX  from servicing or managing any student loan portfolio due to their deceptive practices in payment reporting and collections, based on publicly available information. Attached is an email from XXXX  concerning the forbearance of a loan they managed for me in XXXX 2019. The data provided to credit reporting agencies does not align with the timeline of forbearance as I understand it. XXXX  previously claimed that they " never would have sent an email that only requires a \ [ one word ] reply to establish forbearance. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

New issue Requesting from Innovis to provide what verification from XXXX  documentation that complies with the laws under the FCRA. You continuously have stated you verified this debt but have failed to provide what documentation was provided. I am requesting that verification to be provided to me otherwise please delete promptly this information off of my consumer record immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, 1 ) XXXX XXXX, ACCOUNT # XXXX, 2 ) XXXX XXXX XXXX  XXXX ACCOUNT XXXX XXXX, 3 ) XXXX XXXXXXXX # XXXX, XXXX XXXXXXXX # XXXX, 4 ) XXXX # XXXX ... .HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 ( A ), STATES, I HAVE A RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 ( A ), ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Mortgage

I have a mortgage loan with Fifth Third Bank. I have had this loan for several years. Initially inhad XXXX properties and XXXX loans with Fifth Third Bank but due to their sloppy recordkeeping, I had a four year battle with them over escrow payments for each of the XXXX accounts which they misappled or put into the wrong account. They never once took the time to straighten out the accounting of these accounts. The statements they sent were difficult to read and understand. After additional negotiation and what was an attempt to resolve the issue, they sent me XXXX " revised '' loan agreements. XXXX they left on original terms ( XXXX XXXX property ) and the other ( XXXX XXXX property ) they attached an additional {$15000.00} to the debt without any accounting verification or an appraisal of the property. They then renigged on their agreement of the XXXX property and said I would have to reapply for a new loan. When I objected they took the property through foreclosure. They stated that I owed over {$8000.00} on the loan when the actual amount was substantially less than that. 
The XXXX XXXX property agreement payments, due to the increase in debt of {$15000.00}, went forward. In the XX/XX/2014 they threatened foreclosure again stating that exaggerated payments were due on the account. It took weeks to try to work it out with the final result being that their original claim of unpaid funds was NOT correct. They never gave a comlete accounting of why there were differences in the payments shown and due. They also charged me attorney fees for the foreclosure even though therecwas issues with their accounting. 
Now once again they have not correctly accounted for payments. However, they threaten to foreclose on the property even though there isca dispute as to what is owed. This bank does not provide very good records andvit takes time to descipher what they have or have not posted. I have to go back to the various banks and see if all the checks were cashed, etc. They give me two weeks to try to verify all psyments and in this case I know they have not correctly posted all payments. However they are determined to take this property just as they did previously with the XXXX property without correct or complete accounting of the payments. I could not attach all documents but will be sending them by separate mail. Sorry but there are too mant documents to send forward. My current account number XXXX XXXX. 
Unfortunately I dont have a specific bank contact at Fifth Third Bank, XXXX. XXXX XXXX, XXXX, OH. XXXX. The attorney handling the account for the bank on each of these occasions is XXXX, XXXX, XXXX & XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, WV. XXXX, ( XXXX ) XXXX. 
All I am trying to do is correct their accounting. I do not thinkmitvis fair that they can constantly threaten to forclose when their accounting is INCORRECT!!!!! Your assistance would be greatly appreciated.
Product: Mortgage

A late payment was reported by my mortgage company as in error back in XX/XX/2022 call multiple times to the creditor to update no results
Product: Credit card or prepaid card

I want a credit limit increase I deserve it and eveyirne I call them their system without checking my credit declined me for XXXX reasons when I make my payments on time and I want a contactless card and they dont give me one
Product: Checking or savings account

Today is XX/XX/XXXX On XX/XX/XXXX I paid from my US Bank checking account {$170.00}, statement attached. Last week I added all my month XXXXXXXX XXXX XXXX. payment & I overpaid XXXX {$170.00} from the beginning XX/XX/XXXX. 
I filed XXXX XXXX complaint against the AGENT, XXXX XXXX XXXX of Granite XXXX XXXX  and XXXX then both removed my XX/XX/XXXX {$170.00} first month car insurance payment thus STEALING {$170.00} from me, proof attached. 
INSURANCE FRAUD AND THEFT. I want my money {$170.00} from XX/XX/XXXX. My US Bank account I closed last year XXXX.
Product: Debt collection

I regularly check my credit report and on XX/XX/XXXX, I noticed that XXXX XXXX XXXX ( XXXX, Tx ) had placed a derogative account on my XXXX credit report. Please note I have never received a phone call or any mail correspondence in reference to this alleged debt. I have never held a contract with XXXX XXXX XXXX, so I sent XXXX XXXX XXXX a certified letter on XX/XX/XXXX, disputing the debt and asking for verification of this alleged debt and they replied with no documentation proving that I had a contract with their company owing them XXXX. I also sent another certified letter on XX/XX/XXXX but have yet to her back from them. Please note they have reported to XXXX credit Bureau since XX/XX/XXXX that this debt is mine, but have failed to comply with the FDCP and FCR by contacting me and allowing me to dispute the debt as well as after receiving a certified letter from me indicating that I am disputing this alleged debt updating my XXXX Credit report with a note of dispute by consumer. I have sent two certified letters to this company asking for proof of contract with their company bearing my signature but that have not complied. I is my hope that your able to get in contact with XXXX XXXX XXXX and have them remove this erroneous Debt from my XXXX  credit report.
Product: Debt collection

I have been getting calls to work threatening me to be sent to court and also on my personal phone I have already contacted advance America to find out who they sold my account to and that company ca n't find me on file there # is XXXX and it is called first financial but the company that I am paying is called also attorney XXXX XXXX in Georgia their # is XXXX I just need help in verifying if it is a legitimate company and I am paying off a debt please help me
Product: Credit reporting or other personal consumer reports

I contacted Experian/XXXX / XXXX by certified mail two time one by priority mail and one by certified mail and still nothing was done. I sent in all documents that provided my identity the accounts that I listed are XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX these are the fraudulent accounts that I have asked to be removed I have not given anyone written consent to report fraudulent inaccurate unverified accounts on my credit report I am asking for your support and help in this situation and please delete
Product: Debt collection

I have been called repeated by a debt collection agency for a debt that is not mine. I received the first call on XXXX XXXX, 2017. They have called me a total of nine times to date. 

Today ( XXXX XXXX, 2017 ) I called them back. I asked the person who answered the call what his name was and the name of the company he worked for. He told me he was XXXX XXXX and his company was Allied Interstate LLC. When I told him that I had received several calls from this number, he said that he looked my number up on his computer but denied that any calls had been made. 

Later that same day, I got another phone call from Allied Interstate LLC trying to collect a debt. This time, they left a message on my voicemail and I have the recording to prove it. Here 's the best part of all : the person calling identified himself as XXXX XXXX, the same man who I had talked to earlier that day and denied any calls had been made to me! I even recognized his voice! Again, this call was made by Allied Interstate to me on XXXX XXXX, 2017, at XXXX XXXX. The message they left is as follows : " Hello, this important message is for XXXX XXXX. My name is XXXX XXXX and I 'm calling from Allied Interstate LLC, a collection agency that is attempting to collect a debt, and any information we obtain will be used for that purpose. Please return my call today at XXXX. Once again, my number is XXXX. Thank you. '' There is no XXXX XXXX ( spelling? ) at this number, nor do I know this person. Allied Interstate LLC claims that they are not calling me, but this is not true.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/year>2024 Re : Social Security Number XXXX To Whom It May Concern : I am writing to challenge the reporting and compliance of my credit report. 

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, 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 of. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report.

These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Product: Credit card or prepaid card

I received two emails from Bank of America, one trying to verify my email address and one notifying me that a credit card application has been received ( I do not have a BoA account ). I spend almost 2 hours talking to 6 different departments and not one single department could help me. I should not have an account with BoA and no one could confirm nor deny that I have an account with them. I had this same instance with XXXX XXXX a year ago and it was solved with a 20-minute phone call. BoA kept giving me different numbers to call and after waiting for 20 minutes each time that department said they couldn't help me.
Product: Debt collection

Please none of the option for " Which best describes your problem '' related to me.

Which best describes your problem? Making a false statement or verbal contract in exchange for full payment.

On XX/XX/XXXX I noticed my loan writer noticed a item was reported to my credit report on XX/XX/XXXX. It was from a company called Professional Bureau of Collection on Maryland Inc on behalf of XXXX XXXX XXXX XXXX. I was informed that I owed a company called XXXX. So I called XXXX of XXXX   and was informed that I indeed owe the money. So early morning on XX/XX/XXXX I called this company Professional of Maryland to see what was going on. They informed me that I owed {$310.00} informed them that I confirmed it with XXXX that I did owe the money and that's why I was calling to settle the debt now over the phone. I inform the customer service rep that i was currently in escrow and that this collection on my credit has blind sided me. I informed her I have spend the last 18 months cleaning up credit to get this house and now on XX/XX/XXXX without making any attempts to contact me what so ever I'm hit with a collection. I explained to her that I had no problem paying right now but I must have assurance this item in question would be " REMOVED '' not paid in full. She informed me that only her manager could approve that and I informed her that I will hold for her manager. A Mrs. XXXX XXXX came to the phone and informed me that if i paid this {$310.00} today they will have this item removed from my report on XX/XX/XXXX once they update the report over to the credit bureaus. Only after being told times that they would update the bureaus on XX/XX/XXXX did provide Professional of Maryland my debt card and paid the {$310.00}. Now it has been 74 days and 5 ordered credit reports later and this item continues to show on my credit report. Every time I call Mrs. XXXX  I am told the same thing. " they have already updated XXXX to have this item removed '' So after running my report onXX/XX/XXXX for the 5th time in 74 day I still see this item on my credit report as paid in full and not removed as Professional of Maryland have been telling me since XX/XX/XXXX. I called XXXX and spoke with the fraud department only to be told that Professional of Maryland has only reported my account as " paid in full ''. They have never asked XXXX to have this item removed from my credit report. Professional of Maryland enter into a verbal recorded contract with when they stated they will have this item removed once paid in full. Now they continue to blame XXXX  for not updating my report. I have HOURS on hold with Professional of Maryland trying to resolve this and i am getting nowhere. They have already cost me a higher finance rate and per hardship and stress. I need Professional of Collection of Maryland to honor our verbal contract and have this item removed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an account reporting late on my report due to a court hearing not being set. The hearing happened and it was in my favor. I was never late. I do not owe any money. I submitted the payment log and the order to the credit agencies and they claim to have investigated but the only thing that was done is the balance was changed to XXXX. The late payments remained.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Report is locked without my permission.
Product: Debt or credit management

Bright money app continuously keeps taking money out of my account for their stash feature on the app. I have told them countless times to stop taking money out of my account. My stash has been XXXX  for months and its still pulling money out of my account. At this point Im not sure what to do to get them to stop.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency . I am request the reinsertion of corrected information on my credit report, following a recent dispute under 15 USC 1681i ( a ) ( 5 ) B, 15 USC 1681i ( a ) 6 ( B ) 3, and 15 UCS 1681i ( a ) 1 consumer protection law, e.g., the Fair Credit Reporting Act ( FCRA ) in the U.S. ]. On XX/XX/XXXX, I disputed an item listed on my credit report with TransUnion, which was related to a charge-off from XXXX XXXX XXXX XXXX account number starting with XXXX balances of {$26000.00}. A charge-off is considered income according to the IRS. Income is forbidden to be on a consumer credit report according to congress 15 USC 1681 2AI no transaction or experiences are allowed to be on a credit consumer report. I never received a 1099c form from the creditor. These accounts have resulted in fraudulent charge-off/write-off appearing on my consumer FICO credit report. 
A false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number starting with XXXX a student loan account opened at XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX under the account number starting with XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX account number starting with XXXX accounts needs to be deleted immediately for fraud reporting to my credit report and being reported to the IRS. After reviewing my dispute, TransUnion confirmed that the information was inaccurate or unverifiable, and it was subsequently removed from my credit report. 
However, I have reason to believe that the disputed information has been improperly reinserted onto my credit report without proper verification and notice, as required under Section 611 of the FCRA. As per the law, any information that is reinserted must be fully verified, and I have not received the proper documentation from TransUnion indicating that the information was properly reverified.

Given this, I request the removal of the reinserted item, in accordance with my rights under 15 USC 1681i ( a ) ( 5 ) B, 15 USC 1681i ( a ) 6 ( B ) 3, and 15 UCS 1681i ( a ) 1. Please provide me with the appropriate documentation that proves the accuracy of the reinserted information.

Attached you will find all the needed documents so you can not say you can't verify me as that is the lie you always use when complaints are filed with you. Also I wont you to stop blocking me from seeing my credit report online from your website so I can't see what you are reporting. That is illegal for you to stop me from seeing my report, but adding fraudulent accounts to my consumer report.