23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

In XX/XX/XXXX I began making additional payments to my auto loan that were not applied correctly. After speaking with Santander they informed me that I should make two separate payments to avoid accounting problems, which I began doing in XX/XX/XXXX. On XX/XX/XXXX, I checked the account and realized that my payments were still being applied incorrectly. I spent an approximately an hour on the phone with one of Santanders ' representatives going through all payments and the way they should have been applied. At the conclusion of our call on XX/XX/XXXX, I was informed that {$1700.00} would be applied to the principal of my auto loan by XX/XX/XXXX. On XX/XX/XXXX I called back in to check the status of my account only to be told that the principal payment request was never submitted. I went through the same payment review process with a new Santander representative on XX/XX/XXXX and was told that a supervisor by the name of XXXX had submitted a request to have {$1700.00} applied to the principal of my auto loan. I was informed that the request should be completed by XX/XX/XXXX. On the morning of XX/XX/XXXX, I called in once again to check the status of the additional payments that were made on my account only to discover that the principal reduction request was only submitted for the amount of {$500.00}, and was still not applied to the account. At this point, I am a week into the process of trying to have money I 've already paid correctly applied to the principal of my auto loan and have yet to obtain any specifics as to when or if it will done. I have only been told that we are waiting on accounting to complete the request, which again, does not solve the issue because the principal reduction was only for the amount of {$500.00}, which means {$1200.00} still has not gone to the principal of my auto loan even though I 've already paid it. I have no idea how Santander operates internally, nor is that my concern, but from a consumers ' perspective the level of incompetence and the inconsistencies within Santanders ' standard operating procedures is appalling. More importantly, the blatant lies with respect to payment processing is unacceptable. At no point should any company be permitted to mishandle or misappropriate funds that have been received by consumers without penalty. The fact that Santanders ' representatives have all lied, speaks to the integrity of the organization as a whole. The corporate culture of an organization is clearly reflected by the caliber of individuals they permit to interact with consumers on their behalf. It has become my sole mission to ensure that no one else has to endure the level of mistreatment I 've been forced to tolerate. Furthermore, I will remain steadfast in my resolve to ensure that the as much of the general public is aware of Santanders ' deceptive practices as possible. Based upon my experience, it is apparent that Santander is only concerned with increasing their profitability without regard for the consumers upon which their organization has been built.
Product: Payday loan, title loan, or personal loan

I received a {$1800.00} payday loan from ACE Cash Express to help me pay rent one month. I was following the payment plan for 2-3 payments as scheduled. I worked in a tipped wage job and business slowed down and I struggled to pay my immediate bills and was not able to pay my scheduled payments for the payday loan. This continued for several months until ACE Cash Express sent my account to a collection agency. This agency, which claims they work for ACE Cash, has employed a locating service which I believe is using unfair and unethical practices to locate and intimidate me. They have called me up to 10 times in a row and left messages stating that I was being " served '' in accordance with some legal action but was not told who the debt was with nor the amount. These calls were also made to my family members, some to extended family members in other states. They were also called several times in a row and left messages as if it was my telephone number and the messages included the same legal action threats and that I was being served. I believe the company knew they were contacting someone other than myself and still left messages containing personal information as a way to slander me and have family members contact me. These calls were also placed with my personal friends with the same revealing messages and then they began calling the owners of the company I worked for. All of these people received phone calls back to back on several different days, to the point of harassment. They all received the same threatening and personal information about myself. ACE Cash has had a judgment against them for their debt collection practices back in XXXX and apparently they are continuing these practices today in XXXX.
Product: Credit card

Please open a new case for submission number XXXX. 
Bank of America 's representative, XXXX has made no attempt to contact me and will not return the three messages that I have left. 
A certified copy of the power of attorney form ( see attached ) allowing me to speak to Bank of America was sent by our attorney, yet bank of America refuses to talk to me to get this issue resolved. 
XXXX
Product: Checking or savings account

In XX/XX/16 there were a total of XXXX unauthorized transactions on my account. Two purchases totalling in {$570.00} and 5 atm withdrawals totalling in {$1100.00}. As I was away on a business trip, I called Citibank as soon as I return and made them aware of the unauthorized transactions they didn't process my claim separately I was returned the {$570.00} immediately however the {$1100.00} they refused to return to my account despite that fact that all these charges happen at the same time they chose to approve some and deny others, it's now been two months of me calling the bank providing police reports and speaking to agent however Citibank refuses to Simply look at their cameras at their own branches and see that I am not the one who made these purchases. Due to the ongoing pandemic I have been out of work for 2 months and now my account is in the negative because Citibank has taken away their temporary credit
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Payday loan, title loan, or personal loan

Loqbox is trying to charge me {$780.00} for a installment loan that I never set up. I don't even have a account under the email address that it is attached to. I only have one email address and I don't have anymore. Loqbox {$780.00} - XXXX XXXX and reported it on XXXX XXXX. Is says account condition open and installment loan. I never opened up this loan with this company and I want it removed from my credit report immediately. And I want this company to stop harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from identity XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. US DEP ED XXXX {$200000.00} XXXX XXXX {$8000.00} XXXX XXXX {$14000.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00}
Product: Credit reporting or other personal consumer reports

My identity was stolen last year. I filed a police report ( attached ) but fraudulent/unauthorized inquiries have still been showing up on my credit reports. The " credit bureaus '' Experian, XXXX, and XXXX have been reporting these fraudulent inquiries despite me reaching out and informed them these injuries are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accounts below has violated my friendly protected consumer rights to privacy and confidentiality under 15 USC 1681 right Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 A. States i have the rights to privacy 15 U.S.C 1681 A. Section 2 : it also States a consumer reporting agency can not establish an account without my written instructions
Product: Payday loan, title loan, personal loan, or advance loan

Ive been paying over $ XXXX since XX/XX/year>. I was less than 7 days late on a payment on my first payment and they repossessed the car. I paid to get it back and have paid monthly without fail and owe more than I originally borrowed. The car is useless now, Ive repaid close to {$4600.00} and borrowed only {$2300.00}. This loan needs to be closed. Payments were supposed to decrease month over month until completed and this has not occurred. Additionally the amount they reflect as owed is more than was financed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX charged account off and failed to provide proper documentation for tax purposes regarding the {$1300.00} that was charged off. They wrote debt off for tax purposes and business gains. They are also in violation of my consumer rights and FCRA reporting violations. I opened numerous investigations and neither XXXX it CRAs properly responded or investigated information. A Chargeoff shouldnt report a PAST DUE balance nor a monthly payment history of CO.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you regarding the outcome of a dispute I initiated concerning an account with XXXX XXXX XXXX XXXX, with a reported charge-off balance of {$580.00}. This account appeared on my credit report reported by [ XXXX, Experian, and XXXX ], and was subsequently disputed with XXXX, one of the major consumer reporting agencies. 

On XX/XX/ 2025, XXXX completed their investigation and deleted the XXXX XXXX XXXX XXXX charge-off account from my XXXX credit report, as it was determined to be unverifiable. I request that you also immediately delete this account from my credit report, as it has now been verified as inaccurate or unverifiable. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information on my credit report. Specifically, Section 1681i ( a ) of the FCRA mandates that when a consumer disputes an item on their credit report, the information must be verified or deleted within 30 days. In this case, as XXXX has already deleted the account, it is clear that the reported information was not verifiable, and your agency must follow suit and remove the account from my credit file. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) ensures that consumers are not subject to unfair practices, including reporting unverifiable or inaccurate debt on their credit files. I would like to remind you of your obligations under the FCRA and the FDCPA to ensure that the information reported is both accurate and verifiable. 

I hereby request that you review and remove the unverifiable charge-off account from my credit report within 30 days or less. If the account is not deleted within this period, I will be forced to consider further legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and taking legal action under the FCRA ( Section 1681n ), which entitles me to damages, attorneys fees, and costs should you continue to report inaccurate or unverifiable information.
Product: Credit card or prepaid card

Thank you for taking the time to read this. Upon review of my XXXX, XXXX and XXXX credit files I noted 5 payments that are reported as late. I have disputed the late payments already two times and I am sincerely hoping someone there can take a closer look at my file. The payments were, in fact, missed, but prior to me missing the payments, I called every month I was unable to pay and was unable to get through to your company ( XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/XXXXand XX/XX/2020 ). I was affected by COVID and tried to get a deferment and couldn't get through and therefore accounts ended up being late.

I am hoping you can make the necessary adjustment under the CARES Act. 

I no longer have possession of the card and can not provide the full account number. I am happy to verify another way if necessary. 

Last 4 of account number - XXXX Last 4 of SSN - XXXX
Product: Debt collection

Cooling and Winter, LLC., Whom are representing XXXX XXXX in this case, have executed a judgement against me that was issued in XX/XX/XXXX and began a garnishment of my wages XX/XX/XXXX with an alleged balance owed of {$4300.00}. Through investigation, I learned that the statute of limitations on executing a judgement in GA. is 7 yrs. but can be re-newed forever as long as the request is submitted and granted from the court. After unsuccessful attempts at getting much info or documentation from Cooling and Winter, I contacted XXXX XXXX and was told by guy handling this case that the balance was now {$6800.00} with an explanation of the nearly {$2500.00} difference that accrued in less than 2wks. from the balance that was given on forms sent to my employer to begin garnishment was due to interest and other fees and that a lump sum of {$4000.00} was the best offer available to settle the debt. After this, I searched the court records on-line and found that after the judgement that was issued in XX/XX/XXXX, the next and only other records the court has are the XX/XX/XXXX documents that started the garnishment process. I called immediately and spoke with a representative from the court who confirmed that the documents shown on-line were the only documents recorded. No record of Scire Facias or anything indicating that the judgement was re-newed. She even updated them, adding my middle initial because of high volume of cases that share my same name. A judgement has been illegally executed after the SOL expired, my wages are currently being garnished because of it and through my experience and investigation, have realized this is not uncommon practice for Cooling and Winter and I believe XXXX may have to answer for their role in this as well.
Product: Credit reporting or other personal consumer reports

I've sent multiple dispute letters to Experian regarding multiple inaccuracies on my consumer report. Despite providing evidence, Experian has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). As a consumer, I have rights under the Fair Credit Reporting Act ( FCRA ) to ensure that my credit report is fair, accurate, and fully substantiated. The inaccurate information is negatively affecting my credit score, and I request immediate action to correct the errors. 

Specifically, I would like to bring to your attention the following items on my credit report, which are inaccurate : 1. [ US DEPT ED ] XXXX 2. [ US DEPT ED ] XXXX XXXX. [ XXXX ] XXXX Under 15 U.S.C . 1681e ( b ), the credit reporting agency is required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Based on my review of the report, it is clear that this standard has not been met. 
Additionally, under 15 U.S.C. 1681i, I am requesting a reinvestigation of these inaccuracies. You are required to review and delete any information that is found to be inaccurate, incomplete, or unverifiable within 30 days. Please provide written confirmation of your findings once the investigation is complete. 

Failure to comply with the FCRA in this matter could result in serious consequences. Non-compliance, including failure to correct or remove inaccurate information, can result in legal liability under 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S.C. 1681o ( Civil Liability for Negligent Noncompliance ), which could subject your agency to lawsuits, financial penalties, and responsibility for damages incurred by the consumer, including punitive damages, court costs, and attorney fees.

Recently, I became aware of the lawsuit filed by the CFPB against Experian titled " CFPB Sues Experian for Sham Investigations of Credit Report Errors. '' According to the CFPB, Experian has failed to conduct proper investigations and has even reinserted errors on credit reports, which aligns with the issues I've been facing. Experian 's failure to comply with these laws has caused harm to my creditworthiness, limiting my access to credit, and housing opportunities. 

Please act promptly and ensure that these inaccuracies are resolved in compliance with the FCRA & the lawsuit that was filed against Experian. I expect to receive a response and resolution of these issues within the legally mandated time frame of 30 days. 

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

I have multiple times have set up a dispute for items on my credit report with Equifax and XXXX regarding fraud accounts and many inquiries on my cresit report. I have been a victim of identity theft since 2006. Recently I also learned my information was part of the Equifax breach. The following accounts need to be removed from my account and have not although I have provided a police transcribed report. 1.  XXXX XXXX {$2800.00}. 2. XXXX XXXX old account fir {$360.00} 3. On Equifax & XXXX XXXX XXXX XXXX for {$2800.00} 4. XXXX XXXX for {$520.00} there is also is XXXX inquiries that should be removed. My police report states XXXX XXXX as well as XXXX since the report only had these 2 items. Ever since the breach now the other 2 have appeared. Thet jave not pit the items in dispute nor does it state and its hard to get through tk them. I have requested multiple times to nlock these items from my report as XXXX has fixed the situation and removed the items in 24hrs with them having my police report.
Product: Credit reporting

NCS agreed to remove a debt listed on my credit report in XX/XX/2014 but when I recently reviewed my credit report NCS has once again started reporting the debt that is NOT mine. This will be my last attempt to placate the matter before involving the Federal Trade Commission and Attorney Generals Office. I will be forwarding all correspondence to my attorney for review. Please help.
Product: Credit reporting or other personal consumer reports

am filing a complaint against Equitax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts I marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

My Bank of America Visa credit card ending in XXXX was used to make purchases that I did not authorize. The purchases are with a merchant I have never interacted with and have no knowledge of. Two transactions were processed on XX/XX/XXXX, both with the description " XXXX XXXX XXXX XXXX. I do not know this merchant nor have I ever done business with them. I did not purchase any items from them. The first transaction was for {$3000.00} and the second transaction was for {$2400.00}, for a total of {$5400.00}. Both transactions occurred on XX/XX/XXXX. The merchant description is " ELECTRIC PARTS AND EQUIPMENT ''. I use this credit card strictly for purchasing gasoline, as is demonstrated in my transaction history. I did not use any electric or electrician services of this nature on or around the date of the incident. I am still in possession of the credit card, but I did not authorize these transactions. They are fraudulent transactions. I disputed these charges with Bank of America on XX/XX/XXXX and reported the transactions as fraud. Bank of America deactivated the credit card and issued me a new credit card to prevent further fraud. However, on XX/XX/XXXX they declined my claim and refused to reverse the charges. The transactions were coded as in person transactions in XXXX, IL which is where I live. Bank of America 's theory is that because they were coded as in person transactions in the same city I usually transact in, then that makes them legitimate charges. Sure there is some logic to that theory, but todays criminals are clever and there are many theoretical possibilities for how this could be accomplished without my authorization. One simple possibility being that a criminal could have used a smartphone application and swiped it against my wallet in my back pocket while in a crowded space. I called Bank of America to appeal the decision one day later on XX/XX/XXXX. They told me they would forward my appeal on to a senior fraud investigator, and that I should hear back within 45 days. It's been 45 days, I am out {$5400.00}, and I have not heard any updates. During this process I filed a police report regarding the fraudulent transactions with the XXXX XXXX XXXX Police Department in Illinois on XX/XX/XXXX. The report number is XXXX. I also reported these transactions as fraudulent to the Federal Trade Commission on XX/XX/XXXX. The complaint number is XXXX. I assert my claim that I did not authorize these transactions. I did not purchase any items from nor do I know the merchant described on the transactions. I strictly only use this credit card for small dollar amount gasoline purchases. Somehow, even with all of today 's modern fraud prevention technology, Bank of America did not protect me and instead let these highly abnormal transactions get through to my account. Furthermore, they continue to string me along without providing updates or resolving my claim. Ive been a customer of theirs for nearly 20 years and I expected better.