23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Complaint ID XXXX ( XXXX ) is and has been open since XX/XX/XXXX. They must honor all my requests in that matter. 

These are what the abbreviations stand for : TU = TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX The following has been and still does report inaccurately. This is in clear and direct violation of my rights. 

XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DID NOT REPORT Original Creditor Reports CHARGE OFF DATE of XX/XX/XXXX ( TU and XXXX XXXX XXXX to update " charge off '' to " collection '' in order to allow them to continue violating my rights as a consumer, since it benefits them to have consumers with lower credit scores in order to profit from services from predatory lenders ; XXXX failed to locate my credit file even though information on my profile is inaccurately reporting ) Balance : TU : {$640.00} ; XXXX XXXX {$640.00} ; XXXX  : DID NOT REPORT Original Creditor Reports {$640.00} Estimated month and year that this item will be removed : TU : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : DID NOT REPORT Original Creditor Reports it was CHARGED OFF. According to 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 ), the definition of " charge-off '' is : " A charge-off simply means a creditor has given up on collecting an unpaid balance and it's written off the debt as a loss. '' So many inaccuracies in just this one entry.
Product: Debt collection

The debt was paid to XXXX XXXX XXXX and should not be listed on my credit report.
Product: Payday loan, title loan, or personal loan

My balance has been paid in full and was again mistakenly reported as delinquent. I would like them to fix the issue and remove the delinquency as it is affecting my credit.
Product: Credit card or prepaid card

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The account BANK OF AMERICA opened last XX/XX/2011 is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit card

My Credit Report shows a XXXX XXXXXXXX XXXX XXXX that was issued on XX/XX/XXXX that is not mine. The account is up to date on payments and has never had a late payment, but is simply not my account. I have never had a XXXX XXXX XXXX XXXX. I called XXXX  ( XXXX ) who shows on the report to have issued the card, and they have no record of me having that card. They did tell me that they no longer issue XXXX XXXX XXXX XXXX and that they are now issued by XXXX. I called XXXX  ( XXXX ) and had a long conversation with XXXX who told me that XXXX has no record of issuing me a XXXX XXXXXXXX XXXX XXXX. I filed a dispute with Transunion on XX/XX/XXXX, dispute XXXX, about the card information on my Credit Report and they said the information was verified and closed the dispute. I filed a second dispute on XX/XX/XXXX, dispute XXXX, and they closed that dispute stating it had already been resolved.
Product: Credit reporting

Hello, There were XXXX credit card accounts that I recently opened in the last few months which are reporting to the other XXXX credit bureaus but not to Equifax. I 've reached out to XXXX creditors to confirm that my new account information was sent and also received notification that they were reporting monthly to Equifax but again the accounts are not showing as of today. I also reached out to Equifax on numerous occasions requesting an update or to see if their system was reflecting the new accounts and only to be told there is nothing showing yet. I talked to someone in their Executive Customer Escalations Unit to request a full review of my file to see what is preventing the accounts from showing. However, Equifax is responding that the creditors should contact their Business Relations Customer Service unit which is not possible since they are sending statement information and monthly account updates. This is hindering my credit worthiness and preventing credit decisions since majority of merchants use Equifax in my area. 

The accounts that are reported to Equifax but they will not update on my profile are : XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2020 I entered into the three month forbearance agreement with Santander Bank for my mortgage for the XXXX, XXXX and XXXX mortgage payments On XX/XX/2020 I called the loss prevention # - XXXX and spoke to representative XXXX. I was informed that I could move those payments to the end of the 30 year period, making the mortgage 30 years and three months. 

I was informed by representative XXXX that the paperwork would be filed and I would be notified within 30 days. 

I was also informed by representative XXXX that this would IN NO WAY WHATSOEVER affect my credit ratings or scores. That as long as I resumed payments in XXXX there would be no adverse information sent to the credit bureaus. 

I called again the last week of XXXX as I had not received any information. I was informed that they have the record of the filing and that I would be getting it soon and again that IN NO WAY WHATSOEVER would my credit be affected. As of today, XX/XX/2020 I have received no written communication from Santander. 

As instructed, I paid my XXXX payment ahead of time and even noted on the check that it was for the XXXX payment. 

I have followed all directions. I have fulfilled all required actions. 

Despite that, Santander reported to all three credit reporting agencies that I am 60 days past due. 

My credit score has dropped from Exceptional to Fair ( XXXX ) despite 30 years of excellent credit standing and the fact that this is a serious mistake by Santander due to carelessness and negligence. 

I have never been late or missed a payment on this mortgage. 

This has devastating consequences- my credit cards will be canceled, I wont be able to get a car loan, my job prospects will decrease, the cost of my insurance will go up and my personal reputation destroyed. 

I called the same number again XX/XX/2020 and was informed by the representative that there was nothing he could do and that I was pretty much out of luck but that I could email to this address ( XXXX ) and they would look into it. I asked how long it would take and he had no answer. He also told me it was no big deal that I havent received any correspondence regarding the movement of the three payments and I would get it sometime but keep paying monthly payments. And if they reported it again to the credit bureaus thats just too bad for me. I asked to speak to a supervisor and he said no none was available but maybe someone would call me back sometime. I believe this is a false statement and a way to get a customer off the line. 

I called again two days later and was given another email address - XXXX. Despite setting up for a " received '' and " read '' return email request i got nothing back. I believe that these are either fraudulent or unmonitored email addresses and that Santander has no intention of looking into this or fixing their mistake to the peril of my financial standing. 

They have also since sent me a letter demanding the three payment plus interest.
Product: Debt or credit management

I was checking my credit score and Tempo is on there stating I owe {$500.00} to a company I have never done business with
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by XXXX  XXXX. In this case, the company has violated 15 U.S. Code 1692f, which prohibits XXXX  XXXX from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX - XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$230.00} XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX
Product: Consumer Loan

I made a payment arrangement with my loan company. There was a tow truck driver sent to repo the vehicle after that was done. I made the arranged payment and gave him the conformation. He said ok pulled his truck away from my vehicle and allowed my husband to proceed to leave with the vehicle. He then stayed in my driveway and when I went out to check he yelled that my payment was no good. When I tried to show him the confirmation he put his hand in my face and said " I am done with you '' he then ran to his truck while yelling " I am having your husband arrested for grand theft auto ''. He proceeded to contact the XXXX County Sheriff 's Department. While he walked got in his truck I contacted the finance company to confirm the payment was received. The Sheriff 's Deputy arrived and advised me that the driver had called to report that my husband endangered him by " driving the vehicle off the forks of his truck '' and claimed that there was a domestic disturbance occurring. All of which was false. After explaining the situation to the officer with the loan company, Credit Acceptance, on the phone. I was advised that they could not force me to surrender my vehicle without a court order and the driver was removed from the area.
Product: Credit reporting or other personal consumer reports

The information reflected in my credit reports is currently marred by inaccuracies that have had a detrimental impact on my ability to secure new credit. As I submit credit applications to potential lenders, the discrepancies present in the reported data have led to confusion and contradictions, ultimately misrepresenting my creditworthiness. 

Given the gravity of these inaccuracies and their adverse effects on my financial reputation, I am formally requesting the correction of these errors and the subsequent removal of the incorrect items from my credit reports. It is imperative that my credit file accurately reflects my financial standing and history to ensure fair and informed assessments by creditors.
Product: Vehicle loan or lease

I have noticed many issues with Flagship Credit Acceptance. I may have been violated by false credit reporting, non reporting, taking payments after they reported me charged off to a credit bureau. Delayed repossession, obtaining an address that was not changed with the post office. Non written notifications ever. No payment book. Limiter access to their online system. No response to where my payments went. My car was repossessed XXXX in XXXX. I only was here a month and still at my residence in XXXX FL no changes. No mail no nothing. They never answered my emails when asking for assistance or refinancing. I have had medical issues and trauma during this term.
Product: Vehicle loan or lease

I went to work abroad and when I came back my apartment was going through renovation which was due to a building flood. The situation which my car plays a role is me making a payment before i left and when i came back i parked my car on the street which it was picked up for as a repo. I called in and they said I didn't make a payment and it was three months behind. I had no knowledge of this nor that they pick the vehicle up without explaining this to me. I then kept calling to find out what the status was to get out. Which a month prior to this my car was impounded for tickets I had no awareness of due to the dmv not giving me the correct info. I called dmv and they couldnt locate where the tickets came from they only had phone number for me to call. I called then and they companies didnt have a record of my tickets. So Iong story short... I had to pay over XXXX for 2 years of registration due and tickets they couldnt find. Leading to me not being able to make the payment to get my car out of storage from repo. These systems has caused me havoc anxiety and trauma. If I know about the extensions I could take with car I would never be in this mess.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to fix mxy credit report with the credit bureaus but they don't do the properly investigation about my case. They don't want to eliminate accounts that I already paid, inquieries that I didn't authorized, and others.
Product: Credit card or prepaid card

On XX/XX/XXXX I received an alert from XXXX  regarding past due credit card XXXX  bank XXXX visa CredyCard. Last time I used card was XXXX. I paid off balance in XX/XX/XXXX some how a {$2.00} dollar interest rate fee was incurred and continue to add up. No call no email and from XXXX to XXXX incurred {$30.00} of which I paid. This practice by hidden interest rates was not disclosed to me and currently shows negative points on my credit report.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-XXXX ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

In the attached document is the certified letter sent to SERVE American Express per the address given in the " closed my account '' email I received on XX/XX/XXXX ( also in the attached document ). This letter was sent on XX/XX/XXXX and signed for on XXXX XXXX XXXXXXXX is the tracking number from USPS ) The information provided will describe that Serve has closed my account for what a merchant said was fraudulent activity. This is totally inaccurate and I have been unable to have access to my {$2500.00} that they have been holding since XX/XX/XXXX. 

About my 4th follow-up with SERVE, I again followed up at XXXX, on XX/XX/XXXX, at XXXXXXXX XXXX  since I had not heard anything from the company since they received my letter. I was on the phone for 45 minutes and spoke with XXXX and then a supervisor named XXXX. Both of them entered an email to be sent to the review team. XXXX let me know someone would be getting back with me on the XXXX or XXXX of XXXX. XXXX specifically entered the details that are attached. He could not see details nor see that a certified letter was entered into my record. 

There is still no response from SERVE on the XXXX so I phoned again, the XXXX number and immediately asked for a supervisor. XXXX, said there is nothing she can do accept wait. I can no longer wait for the {$2500.00} that is mine that I have no access to get or see. Thankfully, XXXX ( mentioned in the attached ) was able to confirm there is still {$2500.00} in the account, although that was over a week ago. 

I would be most appreciative for some help with this matter. Thank you.
Product: Checking or savings account

Between the time of the fraud/scam ( XX/XX/year> ) up to the current date, I have called and spoken to M & T Bank requesting documentation for the reasons they granted me for a provisional credit of {$500.00} to my account and then, was reversed on XX/XX/year>. I approached XXXX of the bank employees to assist me in obtaining this information. 
M & T Bank sent to the mentioned employee, an email, to this effect.

I am being told that, " the transaction ( s ) in question were processed correctly and no error has occurred. Therefore, we are denying your claim. '' I asked for a copy of this email, to which I was told, internal company emails are not allowed to be forwarded or copied. I therefore, reminded the bank employee, that then, the bank owes me this document of which I have requested, already numerous times. 
I have not, to date, received it. 

Cordially yours, XXXX XXXX
Product: Mortgage

I recently made a home purchase in XXXX. My title company paid my taxes to XXXX XXXX. Newrez decided to pay my taxes twice in XXXX of XXXX ( XXXX and XX/XX/XXXX ). I was refunded XXXX of the tax refunds ( XX/XX/XXXX ) to my escrow account, but have not been refunded the second refund. XXXX XXXX has confirmed that XXXX XXXX has paid my taxes, but Newrez has not refunded the {$3000.00} that was deducted from my account on XX/XX/XXXX. My case number indicates that this was worked on in XXXX, but in reality, I started calling Newrez about this problem in XXXX.
Product: Credit card or prepaid card

The following information pertains to my current JC Pennys credit card I have which is now managed by Synchrony Bank. 
Effective XX/XX/XXXX Synchrony bank begin charging separate interest rates on what they are stating eligible promotional charges that expire. The problem is that I have never purchased ( charged ) any items under a promotional purchases and all credit billing statements reflected the same findings Currently a new rate has shown on my statement which means they are charging 3 separate interest rates for what they state are promotional purchases expiring. 

I have called the only CSR billing contact number listed on the billing statement ( XXXX ) ) three different times to ask why I was being charged 2 separate interest rates ( both = a total of 54.98 % total interest charged monthly ). Not one of the 3 CSR reps was able to state the same reasoning why I was being charged these 2 different  interest rates. 
Effective XX/XX/XXXX they will begin to charge a third interest rate for what they are again calling " eligible promotional charges that expire This will make the total monthly interest charge 83.22 %. 

First call I made on dated XX/XX/XXXX referencing JC Penny billing stmt dtd XX/XX/XXXX ( attached ) : the CSR stated the extra interest rate was due to promotional purchases that had expired. When I informed him that I had not purchased any promotional items and all my previous billing statements reflects that fact that I had not purchased any promotional items, he just stated that well you not paying very much interest so why was I so worried. He would not allow me to speak with his supervisor stating there was not supervisor available on shift to speak with. 

I called back on same date XX/XX/XXXX : I spoke with a different CSR, but asked the same question as above. This CSR person stated that she did not see 2 different interest rates on her screen, she only seen one total interest rate fee charged. I stated yes, they have lumped both interest rate charges as 1 for billing purposes. I asked again please help me understand why I am being charged two separated interests rates on my billing statement for XX/XX/XXXX, as I had not made any purchases under a promotional offers and I see 2seperate interest rates charged with different dollar amounts listed under each interest rate. She again stated I do not see 2 separate interest rate charges, I only see 1 charge. I asked again to speak with her supervisor and was told a supervisor was not available to speak with that day. 

XX/XX/XXXX : I called JC Penny billing contact # again. I spoke with a CSR rep asking the same question as above. This CSR rep stated that they raised the interest rates and any new purchases made after the date of the interest rate date change were then applied to the new rate. I asked why they did not apply the new interest rate to the total amount owed as I am now paying two separate interest rates. She stated well that would not be fair to the consumer as the consumer would then be charged a higher rate of interest on purchases made after the rate change date.
Product: Credit reporting or other personal consumer reports

I have been victim of identity theft and I found fraudulent inquires in my credit report.Please remove that inquires XXXX XXXXXXXX XX/XX/year> XXXX  XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a collection account ( XXXX XXXX ) on my credit file with XXXX and Equifax telling them that this collection account was dismissed in court. They have stated that the account is " closed ''. The problem is that the account should not have been reported to begin with. 

The reason it was dismissed is because the plaintiff knew they had no evidence that the account belongs to me. I am trying to secure a new car lease and am unable because of this problem. 

I have asked them to verify, then validate ( they said the account was validated ) when I pressed them for methods of validation. There was either no answer or the same " verified '' comment on correspondence.
Product: Credit reporting or other personal consumer reports

I recently mailed in letter dispute for the company XXXX and I receive an email that they do not receive dispute through mail an refuse to look into my investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( 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 redres for these violations.