23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed the following CFPB complaint with the three credit bureaus on XX/XX/XXXX : " I had an account with Santander ( Acct. XXXX ). In XXXX I had an accident and was out of work. I contacted Santander and an associate advised that I could have two deferments on the payments. I took those and the began paying again two months later.

When I pulled my report recently, I noticed a string of 30 day delinquencies starting in XXXX of XXXX and running through XXXX of that year. 
I contacted Santander and found that apparently the associate I spoke to had only applied ONE of the deferments that was granted to me. 
The payments I was making after that point were simply keeping the account from going 60 days past due. 

This is an error on the part of Santander ... NOT on my part. I have disputed this with your bureau and it remains on my file. 

Perhaps Santander correcting it on their system is not enough to update it on your system. Regardless is is hurting my score through no fault of my own. '' Continued : Santander then removed the delinquency from XX/XX/XXXX through XX/XX/XXXX and then PUT THE SAME DELINQUENCY from XX/XX/XXXX through XXXX of XXXX. This is a willful violation of my rights under the FCRA. 

I have provided a copy of my file as it appeared in XXXX of XXXX. It clearly shows the delinquency ( that was in error ) in XXXX. I have circled the delinquency. I have followed this with copies of my XXXX XXXX showing the delinquency in XXXX ( also from XXXX XXXX. NOTE IT SHOWS NO DELINQUENCY IN XXXX. 

I then provided a copy of my XXXX  file from this month showing the delinquency gone in XXXX but now added to XXXX where it never existed before. 

THIS IS HURTING MY CREDIT SCORE. This willful violation of federal law is punishable by punitive damages in a court of law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to remove this on my report a few times .Every time they did not send me info or give what the results were on investigation. When asked for details, I only received a bill for an amount. Please see attached letter sent certified this time .The last ones were not. As follows got nothing back but a copy of an old statement with a XXXX letterhead. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXXXXXX PORTFOLIO RECOV ASSOC XXXXXXXX XXXX XXXX XXXX, VA XXXX XX/XX/2023 To whom it mr concern, My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX in about of {$1300.00} .This is not my debt once again I demand you show me as follows : XXXX. Application of credit, I need to see what you are trying to collect! 
XXXX A copy of XXXX monthly statements with all charges, payments, credits, etc.from the time it was it {$0.00} until said amount? 
XXXX. What is your authority to collect this amount as I have never done business with you before. If you claim to own any debt you claim I owe, give me the full purchase agreement so I can see if I really owe this dept? 
Do not call me, or anyone else about this only. &. ONLY COMMUNICATE IN WRITING! 
If you can not show cause, remove this from my credit report or face my right to comply to the letter of the law .I believe you know what that is as well as I do .I would hope to hear from you within 10 days or expect it!
Product: Mortgage

I made a {$300000.00} electronic payment XXXX XXXX, which was confirmed by outgoing bank ( XXXX XXXX XXXX ). Bank with mortgage XXXX Citizen 's one ) lost payment, after finding it XXXX, they are not posting to correct date to account for lost interest. Every time I call they give my run around claiming it is posted correctly to the XXXX date. However there is no such documentation. Even when I check online. Most recently they reversed my $ XXXX payment and applied to XXXX making my principle increase. I have called multiple times and get told something. There is no one from finance dept that costumer service can turn to. On multiple time I was told I would receive call but did not. In summary, I a made a $ XXXX down payment to my principle balance to reduce interest, but this has not happened. 6 weeks of interest still charged and not credited.
Product: Checking or savings account

I signed up for the {$400.00} Wells Fargo Everyday Checking offer on XX/XX/2019. I've received an email indicating I was eligible for the bonus offer and that within 45 days of meeting requirements I would receive the bonus. I met the bonus requirements of three months of consecutive deposits at the end of XX/XX/2019. Wells Fargo not only did not deposit the bonus within the 45 days, they are now trying to deny me the bonus. I've now spent half an hour of my time talking to them over the phone with no resolution. Not only were my recorded calls unhelpful, I was bounced around to different departments with no end in sight. It seems like Wells Fargo will do anything to get you to open an account, but never follow through with their bonus offers. Last agent indicated I opened an account, but the bonus tag was never applied. That is absolutely fraudulent of Wells Fargo and I can provide the recorded call stating such. 

Case number : XXXX
Product: Debt collection

last week from XXXX to XXXX I got many unresponsive calls from this number. I always wait for the caller because a live person I will talk to, and they never did. I was told if you do not know the number to do that. I always hang up then block the number, they called me 5 times and did the same thing, no-one talks, I blocked every call. 

This week XXXX I was paper notified they were trying to collect a debt of {$750.00}. I told them I did not owe, never had any notification I owed it because XXXX XXXX does not have a payment plan, they made me pay up front before any work. I went into to get a XXXX XXXXe, they said they had to pull a XXXX XXXX to make the XXXXl work right. I did not agree and as far as when they did pull it, it was very secure, and she worked hard to get it out. They said I had to wait for the XXXX XXXX XXXX  completely before they could do the XXXX, I called them several times to notify them the XXXX XXXX XXXX. XXXX months later I got in. They did all the work and told me I would pay them this amount in full when the XXXX got in. They did call and I went it. The woman at the desk showed me the amount I had to pay up front and I asked what if it does not fit? She said, I would leave there today with it fitting perfect. I asked for the total, and it was what I paid and went back, and they made it work perfect like they said and they were already paid and I thanked them. 
I can not remember how long it was but I got a bill for this {$750.00} amount and I told the woman they made me pay the total bill up front before I even seen the XXXXXXXX. She said to me ok, I will check into it. That was the last time I heard from them. 
I had a XXXX done XXXX  months later, never was told anything, and paid up front for that. So this is someone else 's bill because there is no get the work done before they get paid. I called XXXX XXXX XXXX and they asked for the reference number I gave it to them. Then she wanted me to give them personal information that I am not to give them, she hung up on me. I called them back later and they did the same thing again. This is XXXX without out cause.
Product: Credit reporting or other personal consumer reports

I was working out at XXXX XXXX XXXXXX/XX/year> my purse and phone was stolen from the locker containing my identification, credit cards, social security card of myself and both of my sons, my car keys, and {$48.00} in cash. At the time I made a police report with XXXX XXXX report XXXX XXXX. Since then I have received notification of change of address that I did not make and the following accounts are fraudulently opened accounts. XXXX {$4700.00} act # XXXX, XXXX {$3200.00} act # XXXX, XXXX {$4200.00} act # XXXX, XXXX  XXXX {$3700.00} act # XXXXXXXX XXXX XXXXXXXX {$1000.00} act # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} act # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$96.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$690.00} XXXX # XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX {$3100.00} act # XXXX. Banks opened fraud are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened the account in XX/XX/XXXX with a promotion attached to it that stated if you made 2 bill pay  payments that US Bank would give you XXXX. I completed the bill payments the same day the account was opened. The customer service department blind transfers you to the branch when you call for help. The branch says they have to check with the back office and they will call you back. The first time I was called back a week later and told the funds would be there in 1 week. I called again when I did n't have the funds and was told I would be called back and I have not been called back. I feel that I was tricked into opening an account and have not received the funds that I was promised.
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( 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 regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate, redress for the violations.
Product: Checking or savings account

XX/XX/XXXX - wire transfer requested by me from retirement fund to place {$13000.00} in my bank account XX/XX/XXXX - bank says they sent email to request information, but I never received said email XX/XX/XXXX - discovered account had been suspended by bank. I contacted the bank to inquire about suspension and was told to submit documentation : ID, secondary ID, proof of address, as well as an explanation of the funds that were deposited into my account. I expressed my concern about sending personal information over email and the bank said that was the only way to get the issue taken care of. 
XX/XX/XXXX - I submitted the documentation requested by the bank. 
XX/XX/XXXX - I called the bank for a status update and was told they couldn't open PDF files, so I needed to resubmit ALL the documentation requested above as JPEG files. 
XX/XX/XXXX - while calling for another status update I was informed I needed to submit more documentation : front and back of driver 's license, as well as a photo including the front of my ID and my face. With hesitation I did as they asked and submitted said additional documentation. 
XX/XX/XXXX - Sent email to bank requesting status update XXXX the bank did not respond ). 
XX/XX/XXXX - Spent 1 hour 15 minutes on the phone with the bank inquiring about status of my account. 
XX/XX/XXXX - Spent 47 minutes on phone with bank just to be told, " just wait for a response or a request for more information. '' XX/XX/XXXX - As of this date I have not heard from this bank via email or phone, my account is still suspended, and I'm unable to pay bills, buy groceries, etc.
Product: Debt collection

I have made several attempts to get your help with this fraudulent loan made by XXXX XXXX, loan number XXXX. In my last complaints your office keep closing my cases and your summary of my complaint issue on prior complaints are incorrect. I would like to submit another complaint and have my prior complaint amended with this submission. XXXX. I've submitted the Uniform Affidavit and I've had no further response.

I also would like a Confirmed Sll disclaimer and need explanation of how it could be resource that could help me resolve this injustice of 10 years we have endured. I am in receipt of a letter from XXXX XXXX XXXX, Senator office, stating that XXXX XXXX in her XXXX XXXX office has been asked to assist me. I would like our home released from this fraudulent loan and the loan given to it's rightful owner. XXXX XXXX. We did not take part in this loan nor did we receive anything from it. It was done illegally and without us having any knowledge of it. XXXX XXXX did spend 4 years in prison, of a 8 year sentence. When I receive correspondence from your office it has his name as the complainter which in fact it is I XXXX XXXX. It may be because the loan is in his name, please respond to me,
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX  The information listed below, that is currently listed on my credit report is a result of that XXXX XXXX. The inquiry was not authorized XXXX Date of Account : XX/XX/year> Please remove it from my credit report. XXXX XXXX XXXX Account Number : XXXX .Validate the late payments. I have never been late on this account. XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. XXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!! 
RE : XXXX BLOCK REQUEST To whom it XXXX XXXXcern, I am writing to advise that I am a victim of XXXX The information listed below, that is currently listed on my credit report is a result of that XXXX  XXXX. The inquiry was not authorized XXXX Date of Account : XX/XX/year> Please remove it from my credit report. XXXX XXXX XXXX Account Number : XXXX .Validate the late payments. I have never been late on this account. XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. XXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXhas violated my rights.

15USC1681 section602 ( a ) states i have the right yo privacy.

15 USC section 604 ( a ) states a consumer reporting agency can not furnish an account without my written consent or instructions.

15USC 1681 ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction which antedates the report by more than 7 years 15 USC1681 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I received my credit report from XXXX and Experian and noticed a charged-off account by XXXX account number XXXX I don't recognize this lender or account please remove the account immediately. by the provisions of the Fair Credit Reporting Act. I demand that the accounts and inquiries be removed. I understand under 15 USC sec 1681i ( a ) you must complete a reinvestigation with notice of this dispute. i also understand under 15 USC sec 1681c2 ( a ) a crediting reporting agency shall and must block and remove any information from my credit report that's considered fraud or identity theft. Reporting information with knowledge of error is against my rights. 15 USC 1681s-2 ( a ) 1B. This account was proven in XXXX XXXX XXXX that this account doesn't belong to me please remove this account
Product: Student loan

This company over the years have destroyed my credit on purpose, if i get a defrement they report to the credit bural i have been late for 120 plus days or more. and thats not true as i am on a deferment plan. they lied to the credit agency. how can you put late payments on me when i have a deferment. they been harming me for years, they fixed it before on both loans and now have it down again as late payments many of them. stop this and take those late payments off
Product: Credit reporting or other personal consumer reports

Capital One 360 Checking account has denied me the right to be added onto my spouses checking account as a joint holder. It has been two months when she sent an " Invitation Application '' to Capital One Bank. They have refused to verify me by my cell phone number and carrier for the last six years, my email address, my date of birth, and now my citizenship. Every time we are told to call back to confirm, we get another excuse from them that they can't ID me. I am an authorizer user on my wife 's Capital One Savor account. They have sent me a text to my cell phone number, and they are questioning my citizenship. I am retired from the XXXX XXXX, born in XXXX, OH, and have had a past Capital One credit account with this bank in my own name besides my wife 's. I was also denied by this bank because of a default in their system as an excuse. I get excuses from every single customer service reps I speak too along with inadequate help from all the managers I asked to speak with regarding this problem with Capital One Bank. I have even emailed their headquarters in XXXX, VA with no response at all
Product: Checking or savings account

I had over drawn my account by XXXX dollars in XX/XX/XXXX so I didnt no they closed the account in XXXX of of XXXX so XXXX of XXXX my tax check for XXXX dollars went to capital one and they didnt return it to the irs they took the overdraft and then three checks third party checks I cashed in XX/XX/XXXX they withheld only the amount of two of those checks then they said the irs told them to take XXXX and XXXX I was told the irs wanted that money returned to them so they closed the savings and they kept the checking account open with the amount of two of those third party checks total XXXX and I was only givin XXXX dollars XXXX XXXX so I called the irs and found out they never told capital one to with hold any money from my tax return they sent transcripts of my tax account capital one has not sent any funds to the irs at all I have left emails and phone messages for a year now to capital one and no one has called or emailed me back about my money I went to the bank on XXXX XXXX asking were is the money they took saying the irs has it I have proof that the irs never asked capital one to hold money or send any money and as of now they wont tell me were my money is the amount capital one took from my tax check is XXXX dollars XXXX is unaccounted for and XXXX is setting in a checking account and I get a statement from capital one with a balance and 14 cent interest
Product: Vehicle loan or lease

I have never been able to access my online account through GM Financial, preventing me from being able to pay my bill or sign up for autopay online. This has resulted in two delays in paying my auto loan on time, as I am unable to sign up for autopay without a form that GM Financial says they've mailed to me, but I have yet to receive. 

I have spoken with customer service 6 times regarding this issue, on XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX and twice on XXXX. The first call, on XX/XX/XXXX, was preceded by over an hour of hold time, and the calls on XX/XX/XXXX and XXXX were disconnected by the agent. 

The technical issue is that I have registered an account in their system, but that registration broke in some way that both prevents me from accessing the account, returning a " Page not found '' error on login, as well as preventing me from trying again to register an account, returning an error that the email is already in use. This persists through password resets and occurs on multiple browsers and devices, including their mobile app, which has consistently returned a " System down for maintenance '' error when I try to log in. 

This is an IT issue on their side that has persisted ever since I bought the car. The only reason I financed with GM Financial in the first place is that XXXX XXXXXXXX claimed I " wouldn't get the tax credit '' if I didn't finance through them. Now, despite GM Financial 's marketing claims that " The GM Financial Mobile app gives you anytime access to pay your bill, contact us or schedule service '', I have been unable to use either the app or the website for four months. I shouldn't have to refinance my car to pay my bill online in XXXX.