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

On XX/XX/XXXX I purchased a toyota corolla from the dealership. Santander Consumer USA was the vessel I used to execute my purchase since it was my signature that created the loan that made me the Secured party creditor ie. ( Lender ) therefore I submitted to IRS And Santander 1099A for the first two months car was reported as paid as agreed then Santander in XX/XX/XXXX added to my balance which was {$20000.00} then increased it to {$21000.00} this is fraud when they are aware debt was settled therefore I have filed UCC1, UCC3, Lien against company for XXXX XXXX British pounds, I also sent them a default notice with an opportunity to cure this matter all I want is what I paid for by me signing that promissory note Santander Consumer USA was issued a monetized credit that was ten times the amount of the {$20000.00} I signed for then relending me my money I created to complete purchase is failure to disclose on their part according to truth and lending act as well as fraud. therefore I 'm requesting that his matter be properly reported to the Credit Bureaus plus send me my tittle as this debt was properly settled or I will start he collection process on lien filed against their company
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App XXXX 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 these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022, I have been contesting fraudulent information on my credit report. I've been waiting for an answer from you, but I haven't heard anything yet. The unverified accounts indicated below continue to report on my credit report in violation of federal law despite prior CFPB complaints. Despite my best efforts to resolve this issue directly with the creditor, the XXXX, XXXX, and Equifax credit bureaus continued to report unconfirmed information in violation of section 605b of the Fair Credit Reporting Act and were therefore found to be acting with willful negligence and in violation of federal laws. I want this information to be checked for appropriateness, accuracy, and completeness. Please give me a prompt answer describing the actions you will take to remedy this issue. I shall be forced to utilize my legal rights and take legal action if I don't hear back. 
EQUIFAX : XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  verified a charge off submitted by Chase Bank referencing data that was afforded to me XX/XX/2018. I sent Chase Bank a certified letter XX/XX/2018 requesting the documents with signatures verifying that Im the account owner of the named charge offs. To this date XX/XX/XXXX 18 Chase did not verify that the information on my file has been disputed as per the FCRA ( 30day ) requirement and still has not provided original contracts with MY Signature verifying that the accounts are mine. I have a son with the same name and have mixed file problems in the past.
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. 

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Checking or savings account

Please reference complaint XXXX. 
On XX/XX/year> I tried to withdraw funds. The bank declined the transfer and stated there was a security concern. I have since contacted the bank multiple times to verify identity, answered questions correctly, passwords, etc. Still denied. 
The bank told me that they would send an 'identity verification ' letter and they stated, in response to my previous CFPB complaint that they did so on XXXX XXXX. No letter received. 
They then told me that they sent one out on XXXX XXXX. Not received. They then said they sent one on XXXX XXXX. Not received. 
They will not verify my account and allow access to my funds and to close the account. 
I have since researched Marcus and found that there are dozens, if not hundreds of people having this same problem with Marcus and stating so through social media, XXXX, XXXX and other sources. I believe that Marcus is withholding people 's funds for financial benefit and lying when they say " the letter is on the way ''. This needs to be investigated. 
I will also contact the U.S. Attorney 's office in my district as well as the SEC, FDIC, and have filed a complaint with the Federal Reserve. 
Please do not close this complaint until there is verification that the issue has been resolved, as Marcus lied in their previous response to CFPB. 
Thanks.
Product: Debt collection

XX/XX/XXXX ' 2024 I was notified by my personal bank of a garnishment placed on my VA Benefits Account at XXXX XXXX. This came as a surprise to me because I haven't received any recent collections attempts and have an excellent score. After researching the debt that this company Robinson Hoover XXXX XXXX located in XXXX was trying to collect I found the account was originally a Medical Bill from more than 10yrs ago. The dead line for legal action in Oklahoma is for this debt is 5yrs. As it turns out this company also placed an illegal lien on my home. They are all Lawyers there, they know they are breaking the law.
Product: Checking or savings account

Deposited a government issued check from the Illinois Comptroller XXXX XXXX for {$600.00} on Saturday, XX/XX/XXXX. As of XX/XX/XXXX, there is still a hold on the check and no funds are made available. I have spent 3 hours on the phone with JPMorgan Chase bank asking for the hold to be removed due to it being a government issued check and they are still refusing.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED/XXXX is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX DEPT OF ED/NAVIENT is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account XXXX XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX  on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been living in XXXX XXXX since XX/XX/XXXX. I renewed my lease on XX/XX/XXXX. That means this account is NOT new. But in my transunion credit report, it shows that I have opened 3 accounts in the last 2 years when I opened only 2 accounts. XXXX account was opened in XX/XX/XXXX and it renewed on XX/XX/XXXX. But it shows that I opened a new account with XXXX in XX/XX/XXXX when I only renewed it. That info shouldnt be there.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> there was a fraudulent loan account opened at XXXX XXXX XXXX XXXX in my name. I contacted the bank and notified them of what had happened. They closed the account in question and issued me a new debit card. I personally sent the money for the loan back to the bank. I filled out the necessary documents of fraud and submitted a police report. 
This loan was added to my account information and is showing as a debt that I owe even though the money has been returned by me to them. 
My expectation was for this loan to be deleted from my history with the institution. I reported the activity to the three credit bureaus. Today is XX/XX/year> and the bank has not responded to my request for them to do the necessary things to correct my account. I have contacted them several times to get an update and Ive been told that things are in process. It does not seem reasonable to me that it should take this long for this to be corrected. I have even made a payment to this loan that has been satisfied in fear of my credit score being damaged. But I should not pay a loan that I do not owe. I have been trying to give the bank sufficient time to resolve this issue but this seems more than sufficient time. I was told that if I made payments they would be reimbursed. 
The bottom line is this should no longer be an issue.
Product: Credit reporting or other personal consumer reports

PNC BANK Account Number : XXXX added a derogatory mark on my credit report per XXXX, XXXX XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA PNC BANK Account Number : XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right. 
15USC 1681 section 602 states I have the right to privacy 15USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions. 
15 USC 166B : a creditor may not treat a payment in credit card account under an open in consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

First, We have yet to receive our XX/XX/XXXX Settlement from CFPB!!!!!!!!!! 
XXXX XXXX XXXX, XXXX  ... WHAT MORE CAN I SAY! 
This Mortgage Lender failed to accept my PAY-OFF MONEY! This Mortgage Lender 1st took Forced Placed Insurance in XX/XX/XXXX NEVER mailing notice of such ACTION! For 10 years my payments were diverted to FPI ...  EVEN after our XXXX   Agent talked on the Phone to XXXX XXXX, changed the necessary Policy requirements per XXXX XXXX, SENT us a FAX with the Detailed Policy Changes THAT we immediately adhered too yet XXXX XXXX continued their GREEDY pursuit and over the next seven ( 7 ) years deducted more than {$30000.00}!!!! We know this because we Subpoenaed XXXX XXXX 's Records for a Small Claims Case XX/XX/XXXX. We LOST  THE CASE BECAUSE THE STATUTE OF LIMITATIONS! This is ALL XXXX because my 1st XXXX  Complaint was way back XX/XX/XXXX. After 36 Complaints to XXXX, FTC, FCC ( Phone Harass ) CA 's Business Oversight and a multitude of Sen, Reps both State & Federal ... THIS PREDATORY LENDER WAS ABLE TO REMOVE THOUSANDS FROM THEIR HOMES AS WE WERE IN XX/XX/XXXX ... I HAD A CHECK FOR THE SALE OF FARM PROPERTY THAT WAS FAR IN EXCESS OF THE MORTGAGE PAY-OFF FIGURE!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to resolve things with XXXX but they continue to willingly and knowingly damage my livelihood and reputation with unlawful and fraudulent reporting on my consumer report. This is my last attempt to settle my issue with them before filing a civil suit in my local magistrate court against their registered agent XXXX XXXX or XXXX XXXX. All XXXX credit bureaus are not on the same page about a late payment that's on my consumer report and now i'm paying higher interest rates on my mortgage.
Product: Debt collection

I see on my credit report that I owe {$1600.00} but I have no knowledge of ever having any utilities in my name the amount owed is not my debt!
Product: Credit reporting

tax lien from XXXX county has wrong address and phone number. its impossible to verify the debt as valid. the phone number reporting on file is a phishing number and the address on file is invalid. had a proper investigation been excuted, the phone number on file for XXXX county courthouse and address would have presented a red flag to the credit bureau as it did with XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act... 
The following Accounts .... 

Time payment XXXX XXXX XXXX XXXX services XXXX XXXX credit card XXXX XXXX card services XXXX XXXX Have all violated my rights 15 u.s.c 1681 section 602 A ... .states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 .... it also states consumer reporting agency can't furnish information on an account without my written instruction.
Product: Credit reporting or other personal consumer reports

Account # XXXX To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of $ {$8800.00} This is a violation of the FCRA and is in violation of requisite XXXX Compliant reporting standards. 
According to the Fair credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate.
Product: Credit card or prepaid card

On XX/XX/2022, my husband and I drove over and hour and a half to meet a puppy we were interested in adopting. We fell in love and on XX/XX/XXXX we paid money to adopt 'XXXX  XXXX and asked the adopter if it was not too much trouble if she could keep XXXX with his litter mates for 4 additional weeks as we were in the process of moving, our daughter was moving XXXX hours away to college, we were also selling our house and moving to be closer to her so our entire lives were in chaos BUT we were committed to keeping XXXX and thought since he has his littermates on the premises as well as his mother that 4 weeks would not be a problem. The foster mother agreed, happily. XX/XX/XXXX ( approximately 11 days after we paid for XXXX ) my husband and I agreed that we were going to take some time 'off ' from one another and separate now that my daughter is no longer living with us. Of course bringing another dog into this situation is not ideal, so I let the foster mom know, as well as the head of the organization that we would not be taking XXXX at this time. Of course I felt horrible, I profusely apologized and also let the head of the organization know that I would make a sizeable donation to the organization to help with any fees that had occured for the caring of XXXX. I know if one set of shots that I know that he had been taken to. I was told at that time that I would not get any of the {$500.00} that I paid for XXXX. I let my credit card company know. The head of the organization texted me that she held onto the dog for 4 weeks, which was incorrect. She had the puppy in her care for approximately 11 days before I cancelled. I did not want to cancel, it was not the outcome that I had anticipated but I don't think keeping a deposit for something I never took possession of to begin with fair. The credit card / bank initially sided with me and credited me back my money but eventually deducted the money and gave to her.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have never been late with any cards since i was XXXX this 1 late payment dropped my credit score XXXX XXXX  and that isnt correct. My credit was XXXX and now reporting XXXX
Product: Credit reporting or other personal consumer reports

This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : Late Open XXXX XXXX {$1300.00} Date Open : XX/XX/year>
Product: Credit card

Capital One scammed me. Told me I could do a balance transfer at 0 % apr and now im being charge XXXX for no reason. They lied to me and now wont fix it. Also you customer service over the phone is rude and not helpful. over 3 hours on the phone and the agent didnt even understand how to help me.
Product: Checking or savings account

Have been Citibank credit card customer for many years. Very satisfactory relationship. Having sold my home in XX/XX/XXXX I had significant funds and decided it would be sensible to entrust some of the sale proceeds with Citibank. 
On/about XX/XX/XXXX funded new Citibank savings account on line with {$100000.00}. These funds were transferred from my XXXX XXXX  XXXX account. 
On/about XX/XX/XXXX added {$50000.00} to this Citibank savings account with funds transferred from my XXXX XXXX Checking account XXXX 
On XX/XX/XXXX received letter from Citibank saying they were unable to verify recent activity. At that time they placed new savings account in " restricted status ''. 
I received this letter on XX/XX/XXXX and immediately called. Citibank would give no reason for this restriction. During my 2 phone calls that day, Citibank told me they were reviewing the situation. 
On XX/XX/XXXX XXXX sent further letter advising they were terminating the savings account. This would be closed within 60 days from the date of that letter. 
I called several times to try to confirm what they were doing. 
At NO time has Citibank asked me for any additional information. 
Called Citibank on XX/XX/XXXX for update since the 60 day period was soon approaching. 
Was told by Citibank that a check for the entire balance in this savings account would be mailed USPS to my address of record on XX/XX/XXXX. 
When this check was not received by XX/XX/XXXX, I called Citibank to determine status. I was informed that ( 1 ) NO check had been sent and that ( 2 ) I was attempting to take funds NOT belonging to me and that Citibank would only send the funds to the actual account holder The Citibank employee called me a thief but not using that exact word. 
This Citibank employee then abruptly hung up the phone. 
After recovering somewhat from the shock at this news AND the employee rudeness, I called again this morning. 
At that time, I was informed that all access to my account was blocked from that Citibank employee. 
She suggested I go to a Citibank Branch and the closest branches are in the XXXX XXXX area ( some XXXX miles ) or XXXX XXXX ( XXXX XXXX XXXX ). This would be a real hardship. 
In summary, Citibank has determined that I am trying to steal money that I entrusted to them. They have NEVER contacted me via text or email concerning this. Their sole contact was in the 2 letters mentioned above. 
I am trying to get my money back.
Product: Consumer Loan

Westlake Financial is reporting to the credit buraeu that I am deliquent on my vehicle which I have not had since XXXX XXXX 2016. They refuse to help me in any way. They will not send ne copies of letters they have sent. They recieved a check from company i traded vehicle in at and failed to process check in a timely manner and are still reporting I am deliquent on account when I am not!
Product: Debt collection

CDR called my place of employment at the phone # listed above on XXXX/XXXX/2015. Told them not to call me at work. CDR called again on XXXX/XXXX/2015. On XXXX/XXXX/2015 they were told once again that they were not to call at my place of employment. They called again today XXXX/XXXX/2015 and when they were told that they were not to call at work, they hung up the phone without saying anything. I have phone records showing the incoming and outgoing phone calls. They have been told 3 times now not to call at work and they continue to call and are now hanging up when the phone is answered. I am attaching a copy of the phone record showing their calls and the return calls to them telling them not to call work and to send something in writing. Today 's call will not show because I answered it and they hung up on me. The other calls they left voicemail on my work phone.