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

I have been a customer of Santander Bank for over 15 years. On XX/XX/XXXX, I attempted to use my debit card to pay for a {$6.00} parking fee and my card was declined, yet I knew I have about {$200.00} in my checking account. Same day when I got home, I called and learned that {$220.00} had be deducted from my checking account, which I had not made or authorized. On XX/XX/XXXX, I followed up with Santander 's Fraud Department to inquire about the unauthorized deduction from my account. I was told that I had authorized an electronic external transfer via online banking in the amount of {$220.00} to a XXXX XXXX on XX/XX/XXXX. I told the Fraud Dept. Rep, that I absolutely did not authorized any electronic transfers to XXXX XXXX, because I do not do online banking with Santander at all, and I certainly did not know or authorize a XXXX XXXX, to do an external transfer withdrawal from my account. I was told by the Fraud Dept. that on XX/XX/XXXX that someone changed my phone via online banking to XXXX on my account, and it absolutely was not me. I told them that I never authorized or changed my number via online banking account, because again, I do not do online banking with Santander Bank. I attempted to resolve this matter four times and three times via the claims process on or around the following dates XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, once in person at my local Santander Bank Branch on XXXX XXXX XXXX XXXX, MA XXXX on XX/XX/XXXX and all attempts denied the return of my {$220.00}, which was an unauthorized withdrawal from my Santander Bank checking account.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX
Product: Credit card

I went to make a purchase and it came up declined. Called number on card and it comes up saying account is closed. I was never informed anything about account being closed. Account is not past due. Since they closed my account this will hurt my credit score.
Product: Mortgage

Tiaa bank made an error when reporting my credit as they transferred my mortgage to XXXX bank. 
As a result of TIAA 's reporting error my credit score dropped XXXX to XXXX points in all credit repositories. 
I tried to resolve this on the phone and TIAA 's representative said that TIAA bank no longer has a mortgage department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get incorrect fixed on my credit report. Sent letters 2 months ago to the credit bureaus, all 3 and have not heard a thing.

They all have numerous addresses for me. 

The only addresses it should mention are XXXX XXXX XXXX XXXX Wisconsin, XXXX and XXXX XXXX XXXX XXXX XXXX, wi XXXX ALL OTHER addresses need to be taken off. Some of these addresses I do not know where they found them. 

The only name they should have on my credit file, is XXXX XXXX XXXX. NO diversions from this name. Only this name. 

None of the phone no 's are correct. Phone no. need to come off. 

My employer- they do not have any correct employers. I don't know some of these places they list. They need to come off. I can not believe all the incorrect information they have.

I only have the one social security no, only one. Only the correct one should be listed. 
XXXX
Product: Credit reporting or other personal consumer reports

I have been disputing inaccuracies on my credit reports caused by XXXX XXXX fraudulent and defamatory reporting of delinquencies on accounts ending in XXXX and XXXX. Between XX/XX/year>, and XX/XX/year>, I sent multiple certified letters requesting debt validation as required under federal law, yet XXXX XXXX failed to respond, instead claiming they were not collecting a debt while continuing to report delinquencies. I spoke with XXXX, Employee ID # XXXX, who admitted that higher-level executives at XXXX XXXX explicitly stated they would not address or correct these issues. Despite this, XXXX, XXXX, and TransUnion allowed the fraudulent delinquencies to remain on my reports, neglecting their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable investigations and ensure accurate reporting. Furthermore, these credit reporting agencies unlawfully sold my personal information to third parties without my consent, compounding the harm to my creditworthiness, financial stability, and reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX You are in violation of The Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX, XXXX NC has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose. 

Remove these late payments update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Signed up for credit card deal promising a Bonus night award when you booked for XXXX nights in the XXXX XXXX program. No sooner had I received the card has the offer been pulled starting XXXX XXXX. This is blatant false advertising as nowhere did it state the program would be ending.
Product: Checking or savings account

{$5000.00} were fraudulently taken from my Citibank checking account and a claim was filed with the Fraud department at Citibank. When the claim was filed I was told by the Citibank representative that it would take 45 days to do the investigation and my account would be locked which would not allow me to access any funds or process any transactions. I was told that deposits could still be made to the account, however when I tried to deposit money at the atm it did not allow me and I got a message saying the account was locked. 

At the time of filing the claim, the representative also suggested that a new debit card be issued and cancel the old debit card, the representative stated that once I received the new debit card I could also update my online password. I have not been able to update my password as the account is blocked for investigation. 

After less than 30 days since my claim, I received a letter stating that the investigation of the dispute had been completed and that Citibank was denying my claim because they determined that I authorized the transaction. 

As you can imagine I was livid and upset beyond measure, not to say the state of panic I was in losing {$5000.00} from my account. I called the dispute department at Citibank at the number on the letter which stated You are entitled by law to obtain copies of the information used in our investigation. I requested the details of the investigation and the representative could not find any details noted in the account. They did not have anything to support their investigation or reason for drying my claim. 

For the appeal, I faxed a set of evidence to support my claim, it included a police report for the identity fraud and cybersecurity fraud. Again Citibank has denied my claim stating they maintain their position to deny my claim. It has now been over two months fighting this with Citibank and my account is still blocked and I have not gotten my money back. I have spent countless hours on the phone calling customer support, the fraud department, the disputes department, I have gone into the Branch to speak to the manager to see if they can help. The manager has been compassionate and has guided us but cant do anything they keep directing us to a phone to call customer support. 

At this point I need the account to be unblocked so I can move my money to a different bank but no one can figure out how to unblock the account, this is so frustrating. They are holding all my funds now for no apparent reason!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint regard XXXX XXXX and my credit score went from the mid XXXX 's to the lower XXXX 's my credit report dropped XXXX points for two or three credit inquiries instead XXXX points each.
Product: Vehicle loan or lease

On XX/XX/2024, my vehicle was repossessed by your company due to a returned payment. While I understand the circumstances that led to this action, I am deeply disappointed by the lack of communication and empathy displayed throughout the process.

The experience was not only distressing but also poorly managed. I was not adequately informed about the repossession procedure beforehand, and the manner in which it was carried out was both unprofessional and disorganized. As a loyal customer of your company, I expected a higher level of service and transparency in such a situation.

I have been calling since XX/XX/2024 to figure out the amount I owe and have been given conflicting information. I received a letter in the mail stating what I have to pay in order to reinstate my loan and am being told a much higher amount over the phone. I still have no clear explanation as to what I owe and the amount is growing day by day, this is predatory. Every time I have gone to pay my monthly payment on the app I have had no past due notices. The representative told me that the app doesnt show returned payments- this is predatory and is only setting up customers for failure.

Furthermore, the lack of assistance in resolving the issue and the unresponsiveness of the customer service team have only added to my frustration. I believe that the handling of this matter reflects poorly on your company and undermines the trust and loyalty that customers like myself have placed in your brand.

I am reaching out to you in the hope that you can address these concerns promptly and ensure that measures are taken to prevent similar incidents in the future. Improving communication, providing clearer guidelines for repossession procedures, and enhancing customer support are essential steps that can help enhance the overall customer experience and maintain your company 's reputation.

I would appreciate the opportunity to discuss this matter further and explore potential solutions to prevent such occurrences in the future. Your attention to this issue is crucial in retaining the trust and satisfaction of your customers.

If I dont not hear anything back about this situation, I will have no choice but to file a class action lawsuit as Im sure I am not the only customer experiencing a situation like this.

Thank you for your time and consideration. I look forward to hearing from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered I have fraudulent credit inquiries for companies I never gave permission to pull my credit reports. On all 3 of my credit reports it shows on XX/XX/XXXX that XXXX XXXX pulled my credit without my permission, XXXX XXXX XXXX XXXX pull my credit without my permission on XX/XX/XXXX, and some company called " XXXX XXXX XXXX '' on XX/XX/XXXX. I demanded and requested these items be removed from my XXXX, XXXX, and Experian credit reports and none have been updated after being told they would in a short time frame.
Product: Mortgage

I am a customer with Navy Federal Credit Union. My fianc and I applied for a home loan in XXXX of 2022. I got an email showing where our application was moving ahead and we were assigned a Home Loan Advisor. We were required to show proof of income etc. Time went on we reached out to our loan advisor who then stated we were denied for being a less than ten points away from having the combined credit score of XXXX. This hard pull affected our credit score tremendously. Our credit scores dropped XXXX points. The score decrease would have been worth it if we were approved like the documentation we were received conveyed. Being assigned a Home Loan Advisor is misleading. You would think you are approved without having an approval letter in hand. I have all the emails that were sent pertaining to our loan application. This has been the worst experience of our life. We have struggled immensely to get our credit scores back to where they were before this hard credit pull.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing regarding my Trident AM, LLC. account opened on XXXX. XXXX, 2020. Original creditor XXXX XXXX XXXX  XXXX. 

Trident has been double reporting the account, not only is the original creditor reporting the account as a charge-off but this collection company is also reporting it as a negative account. 

I am planning to file for arbitration to resolve this matter. I have health problems, XXXX, XXXX  and other XXXX XXXX, not getting a mortgage, paying higher rates on loans, not getting funds has caused me sleep deprivation and affects my psychological state and mental health. 

Im open to hearing about you and resolving this issue in a good way. If this matter continues to take much more of my time, let this be your 30-day notice that I am going to file Arbitration unless Trident AM , LLC , deletes the account from all 3 reports.

Im open to discussion, and I like to resolve this issue in a good way.
Product: Debt collection

I closed my count with no amount owed at the end of a billing cycle with XXXX. I owned my device. They placed my account in collections and have continually harassed me to pay a debt I already paid.
Product: Mortgage

To whom it may concern, We need further help in regards to this ongoing issue. During XXXX year 2022 my husband lost his job due to the whole company having to close, he was out of a job for several months, lead up to us asking Mr.Cooper for help around late XX/XX/2022, they informed us that we can qualify for the CARES act at the time, and we could PAUSE our payments up to 12 months. We immediately signed up, due to being first time home buyers and very scared of the XXXX foreclosure word. 
They said over the phone we would have several options available to us when we decided it was the right time to reinstate our paymeyments. We " Paused '' our payments for roughly XXXX months, the first time I called to reinstate payments they stated I could make the lump sum payment of the balance or they could modify my loan. I asked what happened to my other options, Particularly the option of taking my mortgage balance and adding it back to the end of the loan. That option was verbally spoken to us when we intially enrolled in the CARES act. 
The answer given was that the CARES act has ended via the VA, and I no longer qualify for that option. I then said " I wasnt notified that the program was coming to an end in anyway '' I felt trapt We had several phone conversations about this issue, I was brought into this agreement with options to included adding my balance on the the end of my mortgage and now those options were no longer " Available '' to me and not one person called/email/written notice that the options they gave were coming to an end. 
So now the options were to PAY the $ XXXX upfront or modify our loan .... we felt forced to enter into a forbearance plan, and modify our VA loan to almost triple what we were initally paying our mortgage payment is now almost {$3500.00} a month! 

WE were going to XXXX it up and really cut our family expensive and just try to pull through until I did some digging. 
XXXXUnder that CARES act was it not unlawful for MR.COOPER to ask us to repay the lump sum of $ XXXX back because we our using the XXXX  XXXX? 
- I also have since the intial complaint filed by my husband complaint # XXXX, that this is an issue that isnt effecting only us as MR. Cooper customers . It has made news headlines! 
As of XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXX are in the foreclosure process because of this issue and nearly XXXX more are delinquent. 
Fortunately we are not in those specific numbers but this issue has caused my family FINANCIAL HARDSHIP and turmoil as well as EMOTIONAL hardship as well. 

WE only want it fixed, we want that intial option back : the option to add whatever we accrued during the CARES act pause added back onto the end of our mortgage loan.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
Some items on report are not even mine I have asked time and time again to prove its mine to no available. My brothers name is similar and they kept adding stuff to my credit without verifying debt.
Product: Mortgage

Freedom Mortgage is the lender. The County I live in increased the property taxes. Freedom Mortgage Increased my mortgage payment by {$1000.00} to offset the increase in property taxes. 

On XX/XX/XXXX Freedom Mortgage paid half of the XXXX taxes {$4900.00} : Reference Receipt # XXXX On XX/XX/XXXX I, the homeowner paid the remaining balance of {$4900.00}. After which, I contacted Freedom Mortgage to inform them I will pay all homeowner taxes directly to the state, whereby relieving Freedom mortgage the responsibility to collect escrow. I sent the same information to them and they denied my request stating taxes were still owed. They simply failed to review the documentation and contact the state and county to verify the taxes were paid. They were to ignorant to just review the receipts. Customer service says is escrows problem to fix. Escrow says its customer service problem. No one wants to take ownership. It is my right as the customer to stop having my lender pay my taxes. 
Equity in my home is double the amount of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am providing an update to complaint number XXXX I filed against Equifax on XX/XX/XXXX. I filed complaint XXXX demanding a block on the items that came from identity theft on XX/XX/XXXX, and Equifax refused to block the items. It has now been 29 days, well past the 15 days given under 15 U.S.C. 1681i ( 7 ) to produce the descriptions of the procedures used to determine the accuracy and completeness of the information on my credit file.

I have not received a full file disclosure in accordance with 15 USC 1681g or a description of the procedures used in accordance with 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ). Equifax is negligent and is continuing to violate my Federally protected rights by committing aggravated identity theft and racketeering activity for reporting these items to my credit file without my permissible purpose. 

XXXX. Inquiry : XXXX XXXX, XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX. XXXX - XXXX XXXX. XXXXXXXX XXXX - XXXX XXXX Mail # : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Threw the fair credit reporting act I am allowed bi law to dispute and validate the debt before any negative actions is taken against me and my credit report I have tried for the past to years showing proof that they did not contact me because I was not located at the address they mailed the letters to. You are unlawfully trying to collect a debt that you forfeited bi not awarding me the opportunity to validate the debt. I have awarded the attorney general of New York State of the violation since it is also past the statue of limitation of the debt. This will be forwarded to them and your tactics.
Product: Credit card or prepaid card

Ive reached out to Bank of America at their only available email address XXXX and they direct me to Please call our customer service number at XXXX XXXX XXXX XXXX XXXX but when you call, after being left on hold, a recorded message plays saying, due to the high number of calls we cant take your call right now. Good bye. And hangs up on me. I have contacted XXXX as well and received no response whatsoever. Two payments have been posted already to which I have no access since I never received a XXXX bank of america debit card.
Product: Credit reporting or other personal consumer reports

I made a payment to my account, on the day it was due, and this company still reported me as past due. I called them several times and they claim the payment was returned but the funds came out of my account. I made an additional payment since they claim they never received the initial one. This is reporting past due and I need them to remove the 30 day late on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit inquiry on my that I did not authorize XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$23.00} XXXX XXXX Balance : - XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX  Balance : {$410.00} XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX