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

XXXX XXXX XXXX XXXX XXXX is reporting an inaccurate late payment on my account. This is a violation of 15USC1666 ( B ) Correction of Billing errors. I've talked to them multiple times about this issue and they advised me to dispute the issue with the consumer reporting agencies. After multiple failed dispute attempts, it remains on my consumer report.
Product: Checking or savings account

Back in XXXX, my mortgage bounced because of improper information that was relayed by the customer service team when I escalated that they told me that they reviewed the call and that they were correct and that there was nothing that was going to be done further. In the call itself, they literally said that the money would go through for my mortgage payment given that there was a deposit however because the deposit didn't clear they were incorrect and they put a hold on it. Because of that they went ahead and refunded some fees, but they never said that that was going to be the only courtesy that I would receive for their mistake for an an entire year. Now that I'm actually having issues where my payroll is not coming through properly and there's been a few issues for the past couple of months my account has been back-and-forth to positive and negative and I had escalated this back on the XXXX and which I was told it would be XXXX8 hours before someone can review whether or not I would receive {$500.00} in fees because I never got a call back my account continuously overdrew, and it added even more to the fees and now I'm at risk of not only having my mortgage bounce like last time but now my car insurance canceling. I find it ironic that I also continuously get hung up on by their escalations team and never got a call.
Product: Credit reporting or other personal consumer reports

SANTANDER IS A FRAUD ACCOUNT THAT DO NOT BELONG TO ME AND THE CREDIT COMPANYS ARE REPORTING THIS ACCOUNT ON MY FILE SANTANDER ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX {$2700.00} XXXX XXXX {$3900.00} JEFFERSON CAPITAL SY {$1300.00}
Product: Debt collection

XX/XX/23 I received a call from TransWorld ( XXXX ) wanting to know why I had not responded to letter sent out in XXXX and XXXX of this year regarding a debt of {$16000.00}. 

I replied that I had not received any. She checked her records and apparently the information was not sent to me but to my Renter. I immediately asked for a digital copy of ALL the information sent to the third party. The Rep said a supervisor would call me tomorrow. 

I also said I had written proof that their client XXXX XXXX XXXX had agreed to a settlement from the insurance company and that they had been paid. I also explained to the rep that the insurance company said if XXXX XXXX XXXX feels they are owed more the need to resubmit. 

XX/XX/23 I did not receive any contact from the company so I emailed them with the same information. 

XX/XX/23 Called and spoke with XXXX and retold my story she said she would transfer me to a supervisor. I was disconnected during the transfer. 

XX/XX/23 Called back and with XXXX who said she would transfer me to her supervisor, XXXX, but again I was disconnected. 

XX/XX/23 Called back and spoke with XXXX XXXX who said she would transfer me to her supervisor but the number just rang with no voice mail option.
Product: Mortgage

I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which PNC MORTGAGE is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I never received any response from them and they did not update the credit report as disputed. 

PNC MORTGAGE is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.
Product: Credit card or prepaid card

I closed my account on XX/XX/2023. I called XX/XX/XXXX to check on my {$200.00} refund. I previously filed a complaint about this experience and completed a written request twice for the {$200.00} refund to be processed quicker than 10 weeks. On XX/XX/XXXX, a response was filed for my complaint that stated a check has already been processed ( which conflicts with information from the customer service agent when I called as he stated no checks were mailed yet as it takes 10 weeks ). I have received 2 statements following my account closure and still no check. My address has been verified and the check has not been sent to me. I would like a new {$200.00} check mailed to me immediately with proof via a tracking number or shipping confirmation that it has been sent. I am well passed 10 weeks from the time of my account closure. Calling has not provided any information as they can not access the department who sends checks. Filing complaints is the only way I have been able to receive ANY response with helpful information. All I want is for my refund to be sent immediately and I will be completely done dealing with this company. Please refund the {$200.00} and provide proof in the response to the complaint.
Product: Mortgage

On XX/XX/2022, I received a predatory loan modification from Shellpoint that should have been a XXXX XXXX XXXX modification subject to people affected by Covid -19.

I emailed Shellpoint escalations, loss mitigation, my dedicated account representatives, and the XXXX on XX/XX/2022, XX/XX/2022, and XX/XX/2022 that I want my XXXX XXXX modification to go forward and to remove # XXXX, the attachments, and fix the capitalized interest. As of the date of this complaint, Shellpoint has not responded. 

Shellpoint refused to correct Ditech 's error in overcharging me for escrow. In Texas, the servicer can not estimate, they must use the previous year 's expenses. When I should have had a credit, Ditech deceptively showed a short. Shellpoint refused to correct it stating that they took what Ditech gave them. Then, instead of accurately counting my payments, Shellpoint held funds in suspense and claimed I missed payments. Plus, charged property inspection fees that are not allowed under my note. 

In the modification agreement, Shellpoint includes " Additional '' items in number XXXX. These do not allow me to sell the property or transfer the modification to an heir. Interest should not be charged on the modification because I was affected by XXXX. 

Shellpoint, not only charges interest, but also overcharges. All the fees that are supposed to be waived, Shellpoint includes them in the " Additional items. 

The XXXX language allows them to void the entire modification by giving the the right to demand the escrow short during the months that I was affected by Covid.

The escrow language also double counts because the escrow account says there is a current short, which is part of the new modification amount, but the escrow short is also added to the back of the loan in. 

Shellpoint also wants me to sign an errors and omission statement while they are creating errors and omitted a second page of the disclosure pages. 

Shellpoint wants me to sign a Texas loan note with the incorrect amount that I owe with the capitalized interest including Shellpoint 's legal fees. 

Shellpoint included incorrect court records where the note is located and incorrect property descriptions. 

Shellpoint includes no oral agreements, which I do not know if that includes email.
Product: Payday loan, title loan, personal loan, or advance loan

They threatened to have me arrested yet never provided me with information regarding a court date, payment choices nor have they attempted to contact me prior to sending a threatening email.
Product: Checking or savings account

I was XXXX XXXX XXXX  and XXXX XXXX Frost Bank by XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I proceeded to write a withdrawal slip for XXXX and the words XXXX XXXX directly under the amount where I knew the teller would look. I then proceeded to quickly ask for an update to provide a red flag that I was not OK on top of the note I sent. I could see the teller in the glass window as the XXXX became more XXXX  and nervous where I buzzed her again to get a status and acted irritated with the waiting even though it only been just a minute or two that had passed, and I was asking for a large amount of money as more assistance to the situation for her. She was chatting with her coworker, scanned my withdrawal slip, and sent the money back with my drivers license. That was my only hope for help that day and due to her negligence. I am now out that {$2500.00}. I then contacted Frost Bank, where I sat with a bank manager face to face, XXXX XXXX at the. XXXX location. He was extremely empathetic, but then proceeded to follow up by advising in a phone call that frost bank did not feel that they were liable and they would not be paying me back out the money that have been taken from me. I did express my sorrow and sadness that they would not understand more of the sadness of the situation being a single mom and only did business with them due to my deceased parents accounts and their love and trust for them. The resolution I am seeking is the XXXX back due to the negligence of the teller as they would not provide me any video to watch as they suggested they did and made their decision on. Please help me.
Product: Credit reporting or other personal consumer reports

I looked at my credit report earlier this year and noticed 7 accounts that are reporting inconsistent information/inaccurate across all 3 credit bureaus XXXX XXXX equifax.i asked the company 's to investigate, and I keep getting the accounts updated with inaccurate information.they are reporting charge off accounts repeatedly and it is manipulating the statue of limitations.the following accounts are violating my federally protected rights and I'm requesting {$1000.00} per violation I've counted XXXX and violations from all of the inconsistent reporting.please pay me or delete the accounts.ive been battling stage XXXX XXXX since XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX repossessed my XXXX with no notice in writing or by phone.while I XXXX XXXX XXXX and they left me with no transportation.because of there predatory lending practices I Became homeless and not able to get back and fourth to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or go to the grocery store.please help me protect my consumer rights against the following company'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 XXXXXXXX have all inaccurate/incomplete information reporting inconsistent information across all 3 credit reports XXXX XXXX equifax.please help me I need to buy a car to get myblife back in order and I'm not able with 2 repossessed cars on my credit report.
Product: Checking or savings account

On XX/XX/22, I signed up for a bank account with Albert. I clicked through my friend 's referral link, stating we would both earn {$150.00} after : -Receiving a qualifying Direct Deposit of {$200.00} or more every 30 days for 90 consecutive days.

-Spending at least {$100.00} or more on the debit card every 30 days for 90 consecutive days The attached " AlbertXXXX XXXX  shows the requirements for receiving the bonus. 
The attached " AlbertXXXX XXXX XXXXXXXX '' shows the terms & conditions, governing qualifying debit card spend and direct deposits. 
The attached " Albert_XXXXXXXX '', '' AlbertXXXXXXXX '' shows that I've met these requirements within the terms & conditions. 


I reached out on XX/XX/22 about not receiving the bonus, and received a canned response, shown in " AlbertXXXXXXXX XXXX', '' Albert_XXXX  '', '' AlbertXXXX  '' Despite all of this I'm receiving an apathy toward researching the matter. I'm hoping by filing this complaint, that the issue can be taken seriously, and that my friend and I can receive our bonuses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am an actual proud customer of SchoolsFirst Federal Credit Union and even have a car loan with them that I purchased XXXX week of XXXX of this XXXX. I disputed several times as I was contacted by the bank and saw that I had a personal loan in the amount of $ XXXX on my account that I did not authorize to open. For months, I have been in contact with XXXX and tried stating the truth to them that my boyfriend and now ex opened the account with no income and put my information down to obtain the loan. He has also let me know he does not plan on paying back the loan as I tried to ask him to pay on it so it does not affect my credit. I have disputed this with all 3 of my credit bureaus in XXXX and XX/XX/2022 and even submitted a payment to the bank on XX/XX/XXXX when I was surprisingly contacted by them for late payment. I have also presented to both the bank and all 3 credit bureaus fraud and attempts by my ex to include a restraining order I have had on him since XXXX of this year to stop all communication. XXXX has instructed me to dispute with the credit bureaus as well as file fraud charges. Currently, there is also an open criminal case of domestic violence against him as well as he continues to harass me. I have also re-submitted the disputes stating litigation and fraud for this loan. I have had thousands of dollars stolen from me by this man and this loan is still active. He is now stalking, harassing and even threatening me to pay him {$8000.00}. I have never had an issue with my bank and have always maintained a great relationship with them. I have also had several accounts that were opened illegally by XXXX XXXX to include a pet wellness account that I had ( after several months ) finally get canceled once I shown the restraining order and attempted accounts opened in my name for him to receive loan money. He should have never received funding from the bank with no income and most importantly using mines. Attempts to speak to him verbally to pay or I stated legal action would be taken there was no response but violence.
Product: Credit card or prepaid card

HOW MANY TIMES DO I HAVE TO TELL YOU?!?!? THEY WOULD NOT ALLOW ME TO RETURN THE MERCHANDISE!!!! BECAUSE THEY CLOSED MY ACCOUNT!!!! I'VE SHOWED YOU THIS DOCUMENTATION NUMEROUS TIMES!!! DO NOT TELL ME MY DOCUMENTATION WAS NOT SUFFICIENT ENOUGH TO SUPPORT MY CLAIM. YOU JUST DON'T WANT TO ADMIT YOU MESSED UP BECAUSE YOU DON'T WANT TO COUGH UP THE FUNDS TO PAY ME BACK YOURSELVES!!!! TOO MUCH TIME HAS PASSED TO REOPEN THE DISPUTE?? THAT'S BECAUSE YOU XXXX  XXXX  COULDN'T READ!!! OR PRETENDED LIKE YOU COULDN'T ANYWAY. YOU EVEN WENT IN FAVOR OF THE MERCHANT BASED ON A RESPONSE THAT DIDN'T EVEN HAVE ANYTHING TO DO WITH WHY I WAS DISPUTING THE CHARGES!!! THEREFORE YOU NEED TO COVER THE COST OF THE MONEY I LOST DUE TO YOUR NEGLIGENCE!!! I DIDN'T RESPOND IN TIME?!?!? I DID RESPOND, AND I PROVIDED MY CALL HISTORY TO PROVE IT. IF YOU REALLY LISTENED TO THE PHONE CALL YOU WOULD KNOW THAT WAS ME RESPONDING TO THE DISPUTE, AND THE AGENT TOLD ME TO WRITE A LETTER AND SEND IT TO YOU BY XX/XX/XXXX, WHICH I DID!!! I SHOWED PROOF OF THAT AS WELL!!! YOU LISTENED TO THE PHONE CALL FROM XX/XX/XXXX AND IT MET YOUR SERVICING STANDARDS?!?!? THAT'S FUNNY, CAUSE THAT JUST PROVES THAT YOU ACKNOWLEDGE HOW YOU TREAT YOUR CUSTOMERS LIKE XXXX  AND THOSE ARE YOUR SERVICING STANDARDS!!! BUT I DOUBT YOU LISTENED TO ANYTHING, BECAUSE IF YOU REALLY DID, YOU WOULD'VE SAID YOU LISTENED TO THE PHONE CALLS ON XX/XX/XXXX, NOT PHONE CALL. I SAID I CALLED TWICE THAT DAY, AS EVEN MY CALL LOGS I PROVIDED IN MY INITIAL COMPLAINT WITH THE CFPB SHOW. YOU ALSO NEVER SAID ANYTHING IN RESPONSE ABOUT THE PHONE CALL THAT TOOK PLACE ON XX/XX/XXXX, WHICH PROVES YOU DID HEAR FROM ME BEFORE XX/XX/XXXX, AND THAT THE AGENT TOLD ME I HAD UNTIL XX/XX/XXXX TO WRITE A LETTER AND SEND IT TO THE DISPUTES DEPARTMENT. YOU STATE ALL PHONE CALLS ARE MONITORED AND RECORDED, BUT APPARENTLY YOU ONLY USE THEM TO YOUR OWN ADVANTAGE. WHEN IT COMES TO THE CUSTOMER HAVING PROOF OF SOMETHING, YOU DON'T WANT TO PROVIDE THE PHONE RECORDS!!! I DEMAND FOR YOU TO LISTEN TO THE PHONE CALL FROM XX/XX/XXXX AND PROVIDE IT TO ME AND THE CFPB. BECAUSE NO MATTER WHAT XXXX STORY OR COMMENT YOU MAKE ABOUT IT, THE CONVERSATION WILL PROVE THAT I RESPONDED IN TIME IN ACCORDANCE WITH WHAT THE AGENT STATED TO ME. AND IF YOU REFUSE TO PROVIDE IT, THAT IN ITSELF PROVES YOU'RE NOTHING BUT NO GOOD LIARS WHO JUST REFUSE TO TAKE RESPONSIBILITY FOR YOUR ACTIONS. YOUR RESPONSE TO MY CFPB COMPLAINT SHOWS YOU PURPOSELY DISREGARDED EVERYTHING I SAID BECAUSE YOU DON'T WANT TO ADMIT YOU MISHANDLED MY COMPLAINT BECAUSE THAT WOULD MEAN YOU'D HAVE TO CREDIT MY ACCOUNT FROM YOUR OWN POCKETS. AND IF YOU DO NOT PROVIDE THE PHONE CALL AND CREDIT MY ACCOUNT APPROPRIATELY, I WILL SUE YOU IN COURT FOR THE FUNDS...
Product: Money transfer, virtual currency, or money service

Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution 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 card

Due to an error Citi Advantage did not award me XXXXXXXX XXXX XXXX XXXX on multiple hotel bookings which I booked a hotel through XXXX. I received a letter from Citi Bank notifying me that I will get those missing miles credited 8-10 weeks, it has been way over 8-10 weeks and no answer or updates from Citi Bank. I contacted Citibank requesting an expanation but no one answered me, however I did receive a letter dated XXXX but with information that is irrelevant to my concern.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Vehicle loan or lease

On or about XX/XX/year> I requested proof of sale and any information regarding my balance. I received no response as of date. After not receiving response, I submitted information to the CFPB XX/XX/year> in hopes of getting the information requested and some type of resolution. Received response on XX/XX/year> regarding this alleged account and close of my complaint. The document sent regarding this closed account is not from Santander Consumer USA but from Chrysler Capital which has nothing to do with the matter at hand.
Product: Credit reporting or other personal consumer reports

I was on XXXX just looking at vehicles. I saw a pre approval message. It said get a pre approval from Capital One. I filled out the form and before I hit submit I read the conditions. It specifically said by submitting you agree to have your information shared with XXXX and other third parties. I decided I didnt want my information shared and didnt not check any boxes or hit submit. I decided to x out of the page. Shortly after I get a text message from XXXX XXXX XXXX and after that a phone call. When they called I said I didnt agree to be contacted. I made a choice to not click agree or hit submit how did you get my information? XXXX said Capital One shared it with them. I again said I didnt not consent and chose not to submit the application. The man stated Capital One One mustve saved my information. I then called Capital One and explained the situation, the representative asked for a reference number. I said I dont have one as I didnt not submit the application. They asked for my social but refused to give it to them. After being transferred I was told no one could help me that I had to call back. 

I did not click agree or hit submit but Capital one not only saved my information they shared it without my consent. This is scary! Please do something. I know better now but I honestly thought by not clicking agree and by not hitting submit that my information was safe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX took over my mortgage as of XX/XX/XXXX. I received my first statement in XX/XX/XXXX. I noticed it had a caption regarding bankruptcy. I called and they stated it was because I had a bankruptcy associated with my social security number. But that I am in good standings with them. I started a re-finance thru another company and when it came time to view my payment history, they stated there was none on my credit bureau since XXXX XXXX was paid in full. I called XXXX back XX/XX/XXXX and they stated that my home was discharged in bankruptcy and by law they could not report to credit bureau. I told them no, my bankruptcy was discharged in XXXX and I assumed the mortgage in XXXX. I was advised to upload the documents and I was not allowed to speak to the bankruptcy department until I did. XX/XX/XXXX I uploaded all requested documents to their website. XX/XX/XXXX Spoke with XXXX XXXX @ XXXX he stated no changes. XX/XX/XXXX spoke with XXXX and requested a supervisor. XX/XX/XXXX Spoke with supervisor XXXX XXXX and she stated she would escalate the review, it would be taken care of 14 business days versus the 30 days. XX/XX/XXXX Spoke with XXXX XXXX she stated no way to expedite. XX/XX/XXXX spoke with XXXX XXXX and again got no where so I asked for a supervisor again. I was transferred to XXXX XXXX he stated should have an answer by Friday XX/XX/XXXX. Called XX/XX/XXXX spoke with XXXX XXXX with no updates. XX/XX/XXXX Spoke with customer service rep and requested a supervisor, they stated all of them were busy and they would call me by end of business day. XX/XX/XXXX No call from supervisor, called and XXXX XXXX answered ; I again requested a supervisor. I was transferred to XXXX XXXX She stated their bankruptcy department agreed with my documentation and that advocacy department now has the file for the credit updates. It is now XX/XX/XXXX after the 30 day review with nothing updated or corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, 2023 my first name was changed by someone without my knowledge on my Equifax credit report and now I'm starting to receive lots of credit card offers in the mail under this name. 

Also XX/XX/2023 someone lifted my credit freeze and fraud-alert on my Equifax report Also XX/XX/2023 someone again lifted my credit freeze and fraud-alert on my Equifax report. 

I'm the victim of Identity theft. Equifax allowed someone to change my first name and also allowed them to lift my security freeze and fraud alert.