23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

As a loyal customer of Santander Bank, I am not happy that I had to hear from another Bank that Santander had a privacy breach. As a customer I would expect Santander to notify its customers, but instead I need to hear the news from another Bank that received a privacy breach letter from Santander. The letter another Bank received discussed the following : On XXXX XXXX, 2016 Santander Bank sent an image cash letter file to the FRB and the file did not have a correct alignment of the data to the image records and as a result, it is possible that check images from the file were viewed by third parties or unintended recipients of the check images. Being a resident of the state of Massachusetts where privacy is taken extremely serious and being a customer of Santander, you would think the Bank would notify its customers that such event occurred or let them know the event occurred and their information is safe whether an image of their check or information was viewed by a third party or not. 
I have been highly unsatisfied with Santander 's customer service recently and this just puts the icing on the cake in terms of me taking my deposits elsewhere. I do not see how this Bank could keep me as a customer at this point. Recently, they decided to take away my XXXX checking account with no reason on why the product was being cancelled even after I asked to be contacted. They even went to the level of being unfair and deceptive in terms of only offering {$150.00} to new customers of their simply right checking product which is what they are putting me into after closing their extra20 product and told me that existing customers do not qualify. So they are forcing me into a product I do n't want and not offering me a bonus because I am not a new customer. None of this makes sense. You would think that they would offer existing customers something after forcing them all out of a product. You would even think they would grandfather customers into the product to not lose them or get to the point where a complaint has to be filed because the Bank is becoming unfair and deceptive to its customers. 
If Santander wants to win my business back they should be notifying their customers about this breach and always honoring their customer requests to keep them in products they are discontinuing. The Bank should be fair to its customers and not try to deceive them as well. If they can not do this they are just turning into a XXXX XXXX and will wind up in the news in a negative light for being unfair and deceptive. I am sure I will not be the only customer to complain or approach the news stations on this topic. 
I hope the CFPB and regulatory agencies can assist in this matter and force Santander to clean up its act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On all 3 credit bureaus. I have disputed numerous addresses. There are still more that do not belong to me. Also numerous social security numbers. Closed paid of accounts still on reports. XXXX, Experian XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Obtained Transunion Credit Report. Noted incorrect address, phone numbers that were no longer in use by me, and incorrect birth date. Also questioned XXXX bank credit card I dd n't recognize. XXXX XXXX called me and told me name of card they had issued so I assume call was initiated by Transunion. The information was correct. Incorrect address and phone numbers were removed from report BUT they still have my incorrect date of birth. I sent them by certified mail a copy of my birth certificate and my driver 's license and they still have inorrect birth year of XXXX. My birthdate is XXXX XXXX, XXXX. 
Please have them correct my birth date on their report. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file my taxes XX/XX/2020, after some days I got a letter from the IRS saying that my taxes has been previously filed, when I had not, immediately I realize that my identity had been stolen, then I when ahead and checked my credit discovering a number of account that I have knowledge of. 
I'd like you to help me resolve this issue, Thank you.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capitol Ones failure to deposit my direct deposit from my employer at any other incoming deposits. Capital One has cited technical issues which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. this situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

An account with XXXX was opened online in my name by a family member. XXXX XXXX  collection agency originally had the account. I previously obtained a police report and XXXX XXXX Fraud Department sent an affidavit, which I had notarized and sent back in along with any other supporting documentation that they asked for. After doing this, the collection was removed from my credit report ( XXXX  and XXXX  ), which as of XX/XX/19 has been re-reported with another collection agency ( Enhanced Recovery Company ). I don't understand why the credit bureaus keep allowing this to happen after proof has been sent in verifying my complaint.
Product: Credit reporting or other personal consumer reports

I have not open no account with this company and they have not give no money or no product but they keep calling me and now on my credit report I have not done bussiness with them at all and my name is XXXX XXXX they have the wrong name on this as well this is the name of the company XXXX XXXX Account owner Individual Account Date reported XX/XX/2024 Account status Unpaid Creditor Classification Financial Original amount owed {$2400.00} Original creditor XXXX XXXX  XXXX XXXX Date assigned XX/XX/2024 Agency XXXX XXXX Status date XX/XX/2024 Delinquency Date of last payment Balance owed {$2700.00} Comments Consumer Disputes This Account Information Consumer Disputes Reinvestigation In Progress Balance date XX/XX/2024
Product: Debt collection

I paid a bill to the creditor, XXXX on XXXX XXXX 2015 for the full amount of XXXX. 2-3 weeks later tri state adjustments called my wife, not me, on her cell phone asking for payment of this same debt. I called tri state back to advise that payment was made but the representative said collection would continue because i could not give him the check number at that moment ... .while I was driving. A few days later I called to advise the agency that check XXXX was sent and cashed by the creditor. I also advised that I called the creditor to confirm that there was no money owed to XXXX at which time I was told that there was no open balance showing at that time. Now I find that tri state adjustments has put the collection action on my credit report despite the fact that payment was made in full before any collection action was started by them. I again called the creditor to verify that there was no balance owed, which they confirmed. They also stated that they would advise Tri state that payment was made in full but they continue to verify the amount as due and payable. They obviously made no effort to verify the correct information withe XXXX or simply are looking to have me pay them to remove this inaccurate information from my credit report aka extortion.
Product: Mortgage

We learned on XX/XX/XXXX Shellpoint Mortgage Servicing filed foreclosure XX/XX/XXXX without waiting for payment from XXXX XXXX XXXX XXXX XXXX that was credited in error from XXXX - XXXX for our payments during XXXX, {$52000.00}. Shellpoint is not giving us credit for {$3300.00} payments from XX/XX/XXXX - XX/XX/XXXX, XXXX and XX/XX/XXXX {$54000.00} even though we sent two-sided copies of the cancelled checks, and they returned payments from XXXX - XX/XX/XXXX, XXXX and XX/XX/XXXX and XXXX - XX/XX/XXXX and are saying we have not paid for XXXX years. They said we must pay over $ XXXX. They did not notify us of the escrow increases in XXXX and XXXX and are not cashing our checks sent to make up the differences and current escrow payments of {$5100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern the credit bureau is reporting my balance on my account in correct. Most of the accounts have been sold to a collection company. In return the collection company is charging more fees. This is not right. So I want the credit bureau to furnish me the exact date the account was open and the last day payment was made. For instance XXXX has my charge of amount as {$35000.00} and then they have balance amount {$25000.00} so I want to know what happened to the payment insurance, Loan insurance And the Auto Receipt. Each month I have continue to lose anywhere between thirty or forty points and the credit bureau cant tell me why. I started with a XXXX score I was very excited I thought I was on my way to a 700 score but all of sudden my score began to crumble. However I know the credit bureau is not in business to help the consumer. Thier only job is to make money of the consumer.
Product: Money transfer, virtual currency, or money service

Ally Bank has not transferred the money from a CD to another bank despite meeting their every request. Every time I comply with their request they require an additional information. I have spent hours with them on the phone. It appears to me that this may be a failed bank that doesn't have money to wire out. I've talked to three different people over eight days and each time I'm told a different story. I offered to drive to Missouri from XXXX, Ohio where the bank is located but the bank people I spoke with say there is no physical place to present myself. The Ally Bank website says they wire money out money the same day after verification. The people at the bank always create a new roadblock. I faxed my driver 's license to them and received a verification from my fax system but they said they can't locate the fax. Then they told me it takes them 24 hours to receive a fax. The next day, after 90 minutes on the phone with the bank people they told me I have to know the phone number the fax was sent from. My fax is attached to my office phones and its a roll over system so I don't know the fax number. Then they told me my signature doesn't match my driver 's license signature so I had to sign the form again like the signature on my license and send it on their " secure '' email system. XXXX ( employee # XXXX ) ALLY floor supervisor, said he doesn't know who regulates his bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking at my credit report and checking my loan balances i noticed that all of my student loans through Navient have a 0 % repayment. I have been paying on them for a little over a year now and the loan balances have gone up and not down! How is this even possible?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX ; XXXXXXXX XXXX XXXX account # XXXX ; XXXX XXXX XXXX XXXX account # XXXX ; XXXX account # XXXX ; XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX account # 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 section 2 states A consumer reporting agency can not furnish an account without my written instruction.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial losses, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} US DEPT ED XXXX Balance Owed XXXX {$0.00} U S DEPT ED XXXX Balance Owed XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies. 

1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is XXXX ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action Heres the list of the questionable items : XXXX XXXX XXXX - Account XXXX I don't recall having late payments on this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending numerous letters to the Credit Bureaus for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Equifax was XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, Equifax seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Equifax investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Equifax to remove the disputed items with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT THE CREDIT BUREAUS REMOVE THE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX
Product: Debt collection

disputed with the company twice the failed to investigate the stalled the process to investigate with original creditors on the validation of debt letter i sent to creditors the creditors also failed to validate said debt i owe. i disputed a third time with supporting documents on the validation letter sent the creditors are still reporting false debt on my credit profile
Product: Vehicle loan or lease

I requested for a Validation letter never received! They are trying to collect on a account they sold to another company without my permission
Product: Debt collection

I say a collection from XXXX XXXX XXXX on XX/XX/23 in the amount of XXXX dollars. I have have not received anything anything in the mail not even a phone call to verify if this debt was mine. Furthermore, the debt was on my credit report from another company and was removed because this debt could not be verified.
Product: Debt collection

The Judge Dismissed The Case Twice In XXXX and XXXX ... The Debt Collectors Harassed Me At My Employment And Credit Bureaus, Preventing Me From Applying For Apartments
Product: Credit card or prepaid card

I received a credit card from Avant issued by XXXX with a credit limit of {$1500.00}. I paid the entire balance of {$440.00} for the month of XX/XX/ in XX/XX/. I received a letter dated XX/XX/ informing me that my credit limit has been reduced from {$1500.00} to {$300.00}, so I paid the balance due of {$120.00} and closed the account. This company sent me an offer letter for a credit card with a {$1500.00} limit, but when I pay the entire monthly balance they want to reduce my credit limit. They're using the excuse that I have adverse credit issues on my credit report, but they knew this when they initially offered me the credit card. How can my credit issues make me worthy of {$1500.00} one month, but the same credit issue makes me only worthy of {$300.00} the next month. This is some shady dealing and I think someone needs to investigate this company 's business dealing. I think they were wishing that I couldn't pay the entire balance each month and then reduce my limit, so I would have excess charges that they could collect interest on, but I would no be able to use the card due to the limit reduction.
Product: Bank account or service

The reason for this complaint is due to an overdraft that Regions bank did to my account. Let me explain : I had a positive balance in my account and they charged me XXXX dollars overdraft fee for XXXX transactions a total of {$180.00} ; I went to the branch and they told me that the " future purchases '' did the overdraft on my account, I 'm attaching a copy of pending transactions for you to review. This is a small business account and they put me under stress, given that I needed that money for some bills I needed to pay. ( electricity, internet etc. ) which are very important for me because I need them to run my business. 
I truly will appreciate if you help me with this situation. 

sincerely, XXXX XXXX.
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 Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact XXXX customer service would not help and take care of the negative inquiries reporting on my credit report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX  XX/XX/XXXX
Product: Debt collection

CFPB is full of complaints about USAA. On information and beleif, USAA entered into a settlement agreement for previous bad deeds involving their interaction and conduct with their customers. I have previously attempted to get this matter resoved with USAA. I recently was contacted by the USAA CEO Office who indicated they would contact me within two days, that was some weeks ago, and to date I have heard nothing back. I have attached four XXXX 's from USAA, Cancelling Debt. The issue of a XXXX to the IRS achnowledges USAA has abandoned all claim to the alleged debt. I previously disputed the debt and provided USAA verifiable evidence that the debt was based on fraud and not my obligation. I provided USAA all the law enforcement reports associated with the fraud that I had obtained. USAA ignored all the evidence and continued to pursue collections. In every case, on each of the four credit cards, USAA overcharged me for late fees etc. 
USAA was caught by CFPB and was required to issue refunds. However, USAA continues to attempt collections on an Abandoned Debt wherein they issued [ 4 ] XXXX 's to me and provided the same to the IRS. After USAA issued the XXXX 's, they continued to report PAST DUE amounts associated with each credit card. As of XX/XX/2019, USAA continues to report Past Due amounts on the four credit cards and is attempting to collect.
Product: Credit reporting

Filing a complaint against equifax regarding a credit card account from regions which does not belong to me. Regions states the account does not belong to me and should not show on my credit history because I am just an authorized user for which I have never even authorized to begin with. I have request this removal at least 4 or more times through exqifax and they continue to nelegect it. I had no issues with XXXX or XXXX on this removal. I will also attach a document provided by XXXX manager showing that the account is closed and I was only listed as and authorized user and should not appear on my credit history report. Also attached are my credit history reports from all 3 bureaus. Please this is on going issue for 2 or more years I would really appreciate if this was removed indefinitely from my credit history.
Product: Student loan

My payments are still going to interest and everytime I reach out to FedLoan Servicing nothing gets resolved. This is the worst, most dishonest and disappointing student loan servicer I have ever had.