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

Santander of Puerto Rico dint handle properly the moratorium that i was inform, on loan # XXXX Never honored. instead they did collections calls at XXXX XXXX  demanding balance to be paid, informing that they going to inspect the property. 
We went and put account up to date, never in 9 years were late till the pandemic We dint know what to do .. This loan is a 7 % high interest. Is killing our savings, Recently we went to refinance loan and was denied because late remarks 30 60 days late with this bank. 
Santander of Puerto Rico was sold to First Bank of Puerto Rico therefore we end with two late reports from same loan account. Credit cards CUT ME OFF to a {$500.00} limit, reason that my score went down 100 points. My savings are in this bank and is more than this note. DO we deserve this? We are corner to keep paying this high interest loan with no bank want to do business with us because these facts,. ( late mortgage payments 30 and 60 days from 2 diff banks and a XXXX score )
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach. I am requesting that the following fraudulent accounts and inquiries be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The payment for XX/XX/2020 was sent in through the mail. The payment was sent to XXXXXXXX XXXX in the amount of {$1500.00}. I sent it out on XX/XX/2020 and XXXXXXXX XXXX received it before the due date. They admitted that it took 3 days for them to process the payment. They put a late payment on my credit. I have verification following through the mail. 
It's not right that I have a late payment when My payment was not late.
Product: Student loan

XXXX has the worst customer service and would not help me resolve my issues with them. 

They are currently asking me to pay $ XXXXmonth towards my student loans which I can not afford. I tried speaking with them about other options in XXXX XXXX. They suggested the income-base program and also mentioned the public service loan forgiveness program as well to drop down the interest and make 120 monthly payment and the rest it would be forgiven. 

I faxed in the necessary paperwork to them to apply for the programs. A month later ( XXXXXXXX XXXX ) the update was that I can pay a certain amount first to get caught up to not be past due and then start the programs they had to offer. I told them I could n't afford to pay the amount they were asking for because of the situation I was in. They told me that they could n't help me with lowering that payment. 

Months past and still no update if they could work with me. Then finally Hurricane Harvey hits my home and I lost everything. I called them to see if they could do anything and the only thing they could do was not charge a monthly payment on my account. I asked them did they have a solution about lowering the monthly payments and the rep said that they would call me and let me know what the supervisor can do. 

I have yet heard from the XXXX and they are destroying my credit. I am trying to get back on my feet due to Hurricane Harvey destroying my home and personal belongings.

The Hurricane took away my belongings and home and XXXX is hurting my credit to get approved on replacing damaged clothes, house, furniture, so now Im stuck and do n't know what to do.
Product: Payday loan

I am not sure what happened. I think my ex-husband applied and received a payday loan in my name in 2010 when we were at the end of our marriage so he could move. He handled all of the bills. This company has continued to call my job since 2010 and I have asked them several times to not call my job. I have also asked them how can I resolve this issue. I have asked if I can file fraud documents to prove this, I was told if I shut up then it can be explained. I calmly asked and was still rudely told to shut up and it would be explained. XXXX XXXX ( Supervisor of Verification from Mid-Atlantic Debt Collection ) XXXX told me to shut up numerous times until I finally hung up on him and blocked the number.
Product: Credit card

milestone bank deactivated my bank app for over 1month and would not open it when I asked their manager and agent why they lied that I have attorney representative which they can not tell me the name or office of the attorney even the reason the attorney is tied to my account and until I say I do not have an attorney before the allow me use bank app. I can not pay my bill via the app or see what is happening in my account unless I call and the explain verbally or pay through an agent of the milestone. 
They wrote a letter to me that the had reversed a claim I filled but it does not reflect In my account balance and they would not allow me access to see the reversal on the account. 
Twice I filled for dispute with merchants I had transaction with they cancelled my card without my request or consent to be shipped in 2weeks time.
Product: Debt collection

Midland funding is the collector the amount they say owe is XXXX it shows it was open XX/XX/XXXX and its a debt from XXXX XXXX that was open on XX/XX/XXXX for a balance of XXXX and also Im a man I dont shop at XXXX XXXX Ive never been there to open the account but it was also open fraudulently I did not open this account or any account associated with this account nor do I have any knowledge of this Ive disputed this contacted the collector to tell them it isnt me who open this account and did not authorize this account or any account associated with this collector they are violating the fair credit reporting act by leaving these fraudulent accounts on my credit report I didnt authorize and trying to get money out of me for a fraudulent account Ive reported and disputed as fraud i would like this removed from my credit report unless they can find the original copy of the agreement with my signature I know they dont have because this isnt my account I wasnt even using my credit in XXXX I just recently started to build credit in XXXX so there is no possibility that I open this account because XXXX just establishing credit so it could not have been me it wasnt me and I just want these account removed from my report unless these companies can prove without a doubt that I open these accounts and Im sure they can not provide those things there are no payments made to these accounts so whoever open these accounts had no intentions on paying because it wasnt link to them it only affected me
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is allowing creditors to report false information on people credit reports. XXXX  has done the same investigation and these accounts were removed from my credit report however Equifax is reporting a false delinquency date to continue to report false information. I have two accounts in my report past the legal time frame. One for 10 years the other 7. I also have an account that has been paid that they want remove.
Product: Credit reporting or other personal consumer reports

I am writing to address a persistent issue regarding inaccuracies on my credit report.

Despite multiple attempts to rectify these inaccuracies by sending dispute letters in accordance with the law, the negative items remain unchanged. This situation is deeply concerning and has significant implications for my financial standing.

I want to reiterate my rights under the Fair Credit Reporting Act, which mandates that credit reporting agencies promptly investigate disputed items and correct any inaccuracies found. It is frustrating to see that despite my compliance with the FCRA, the inaccuracies on my credit report persist.

I urge you to conduct a thorough review of my dispute letters and take immediate action to rectify the errors on my credit report. Your prompt attention to this matter is crucial in ensuring that my rights under the FCRA are upheld and that the integrity of my credit report is restored.

Please provide me with an update on the status of the investigation and the actions taken to address the inaccuracies. I appreciate your cooperation in resolving this matter promptly and look forward to a swift resolution. 

Thank you for your attention to this important issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Derogatory credit reporting was submitted by AssetCare, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amounts of {$990.00} and {$640.00}. I have never had an account with AssetCare. Despite my father requesting information from them, these accounts have never been substantiated. Out of network charges are never approved and I am fully insured and covered under XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report that | believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 


Pursuant 15 USC 1681i A6B3 I disputed XXXX, ACCOUNT, complaint # XXXX, on XX/XX/XXXX for inaccuracy. 

Experian completed the investigation on XX/XX/XXXX. Beyond the 30 days as required by FCRA Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. 

These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 

Continually reporting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. 

I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Checking or savings account

Money was deposited into my account within minutes but I still got charged with overdraft fees. I identified XXXX instances in which this happened while going through my statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please provide bank statements for the months of XX/XX/2021 and XX/XX/2021 showing legal verification of ending balance to reflect the amount owed. 
please provide verification of all credits applied to reflect ending balance owed. 
Note : my account was closed by XXXX XXXX XXXXXXXX XX/XX/2021 and if my account was closed do to balance owed the XXXX to XXXX bank statements would reflect a balance owed since bank statements are official verification of all funds in the account. Final bank account statements to determine account balance are legal verification provided by the bank giving legal verification on balances and all transactions and are legal verification for money owed, credits and all other transactions regarding your account please provide Verification for Account Abuse statement reported. 
Note : it was reported by XXXX XXXX XXXXXXXX that Account Abuse existed with my account. 
Please provide all verification that you used to reach your decision regarding my complaint.
Product: Checking or savings account

In the long ago, I had a checking account with Wells Fargo in XXXX XXXX Until I learned that it was charging me fees for writing too few checks, I thought things were fine. 

I heard CFPB director Rohit Chopra on XXXX this morning talking about fees, known and unknown, and thought you would find this relevant. When I talked, or tried to talk, with Wells Fargo about this practice I was told that this was the way the bank did business. 

I cancelled my account.
Product: Student loan

On XX/XX/2024 I received XXXX phone calls from Navient during work hours regarding my account. The supervisor states they are required by federal regulations to " reach out '' if a borrower is behind on payments.Repeatedly dialing someone's private number is not " reaching out '' but instead constitutes harassment and violates federal debt practices. 
A debt collector is prohibited from harassing a borrower, and causing his means of employment to be jeopardized by the repeated calls. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my credit report, I noticed several inquiries that should be removed. The FCRA states that the only permissible purpose for pulling someone's credit report is ; a firm offer of credit, insurance, a court order or employment. I submitted my dispute letter to Transunion on XX/XX/XXXX and due to the pandemic I have allowed substantial time for them to review my request. Transunion has not resolved my issue which is negatively affecting my ability to purchase a home or obtaining new credit. 
The following inquiries are not attached to any open accounts and must be removed immediately XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Email sent XX/XX/XXXX : " Dear Healthcare Finance Direct Team, I am writing to you as a customer who financed treatment through XXXX XXXX XXXX via your services. This correspondence is in light of the recent shutdown of XXXX XXXX XXXX and its direct impact on the service agreement we entered into. 

Account Information : XXXX XXXX XXXX  Contact : XXXXXXXX XXXX XXXX I want to bring to your attention the cessation of essential services that were promised as part of my treatment plan with XXXX XXXX XXXX These services include customer support, access to the XXXX XXXX XXXX app, aligner replacements, final retainers, lifetime smile guarantee, access to a registered email care dentist locally and more, which are no longer available due to the company 's shutdown. 

Under these circumstances, it appears that the terms of our agreement have been fundamentally altered, as the services for which I am making payments are no longer being provided. This raises serious concerns about the continuation of payments under these changed conditions. 

I hereby request an immediate review of my account and suspension of future payments until a fair resolution is reached. It is crucial to reassess our financial obligations considering the current inability of XXXX XXXX XXXX to fulfill its contractual promises. 

This situation not only affects me but also impacts numerous other customers in similar circumstances. We believe that a collective review of this situation is necessary to address the concerns of all affected customers fairly and equitably. 

I look forward to your prompt response and resolution to this matter. Please do not hesitate to contact me should you require further information or clarification. 

Thank you for your attention to this urgent issue. 
Sincerely, XXXX '' Secondarily, I made XXXX payments of {$110.00} each in XXXX and XXXX of XXXX ( {$220.00} total ) that were paid and my HFD account shows that I did not pay them. On XX/XX/XXXX, I sent proof to XXXX that my bank account shows the payments made to XXXX and they claim they're " working on it '' in their response on XX/XX/XXXX but I've still not seen or heard any update on why my balance is incorrect. In all the letters they've mailed me, they are misrepresenting the balance owed AND threatening to send me to collections. Their collection calls also warn they'll be sending me to collections which will hurt my credit which is unlawful. 

Regardless, they voided their contract and can't honor the lifetime guarantee and XXXX isn't a lender. The contract states that they're a payment processor for XXXX XXXX so collections on this account is unlawful. These accounts and contracts should be dissolved.
Product: Debt collection

On XX/XX/XXXX I file a complaint wit FCC against att abusive charges of international call of XXXX. XXXX responded saying my bill will be reduced from {$1300.00} to {$42.00}. XXXX send me a bill in XXXX XXXX for XXXX due in XXXX XXXX and another one in XX/XX/XXXX for {$290.00} I contacted XXXX and after resolving with costumer service I paid the XXXX with the promise to receive XXXX credit back as soon as my account get cleared. In XX/XX/XXXX XXXX reported me account to a collection agency and this collection agency reported to my credit report. The collection agency never contacted me prior to report it on my credit report. Also they had NO RIGHTS to report it on my credit report at ALL. I file another Complaint with FCC regarding att practices and FCC is on the case. I would like to FTC to get in the case and assist me in this matter. I would like to have this collection agency show prof that I won that money and also prof they attempted to collect a debt and I refuse in order for them to report my account to the Bureaus. I am also seeking for damages from XXXX and this collection agency for the damages on my credit report I am in the process to acquire a house and this collection damaged my possibilities severely. I want XXXX and Franklin Collections Services to respond for the damages they are causing me. Thank you XXXX XXXX XXXX FRANKLIN COLLECTION SVCS UNPAID ( UNPAID ). 
XXXX XXXX, XXXX Alert Date XXXX/XXXX/XXXX Source XXXX Company FRANKLIN COLLECTION SVCS Payment Status UNPAID ( UNPAID ) Status Date XXXX/XXXX/XXXX Balance {$290.00} Balance Date XXXX Address XXXX XXXX XXXX XXXX, MS XXXX
Product: Credit reporting or other personal consumer reports

I am writing to urgently address the fraudulent accounts that have been reported on my credit file. I am a victim of identity theft, and these negative accounts are the result of criminal activities conducted without my knowledge or consent. It is essential that these inaccuracies be rectified immediately to prevent further harm to my credit standing. The fraudulent accounts in question were opened by someone close to me, who stole my personal information and used it to open accounts in my name. After becoming aware of these unauthorized activities, I contacted the respective banks, who have acknowledged the situation and agreed to remove the fraudulent accounts from their records. To support my claim, I have submitted the necessary Identity Theft Report with the Federal Trade Commission ( FTC ), and I have attached a copy of this report for your reference. The banks have confirmed the identity theft and are aware that the accounts were opened without my authorization. 

XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft since XXXX  I have proof that my identity have been compromised it not fair to me that I got to suffer from someone else wrong choices I have no knowledge of the accounts that's reporting to my credit report they have been open with my information fraudulently the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent supporting documents stating that my identity where compromised and the accounts we open without my consent or knowledge using my information Under federal law 15.USC 1681A SECTION 2B STATES THAT I HAVE THE RIGHT TO DELETE ANYTHING OFF MY CUSUMER REPORT THAT HAVE BEEN OPEN USING MY INFORMATION WITHOUT MY CONSENT.
Product: Debt collection

I got an email that Credence Resource Management reported a collections debt from XXXX for {$1600.00}. I do not have any services with XXXX. I had the same company do this before in XX/XX/XXXX where i proved their fraudulant charges. Now I am going through the same thing as of XX/XX/XXXX. I do not have an XXXX account of any sort.
Product: Bank account or service

In XXXX 2016, Citibank advertised a promotion that if you open a new consumer checking account in either the XXXX or Citibank account package by XXXX/XXXX/16, make a qualifying deposit of {$15000.00} or more within 30 days of account opening and also maintain a minimum balance of {$15000.00} for 30 consecutive days, you would receive a cash bonus of {$400.00}. It is now XXXX XXXX, 2016 and no credit has been made to my checking account. Here are the inquiries I made : XXXX/XXXX/2016 : I have contacted them and opened an investigation on XXXX/XXXX/2016 and received a documented response on XXXX/XXXX/2016 that the account has met the requirements ( qualifying transaction ) as of XXXX/XXXX/2016. I was told that I would receive the credit within 90 days of the qualifying transaction. 
XXXX/XXXX/2016 : When I did not see the cash bonus in my account XXXX/XXXX/2016 ( 90 days after the qualifying transaction ), I contacted Citibank again via online chat on XXXX/XXXX/2016, filed and investigation on XXXX/XXXX/2016. No response. 
XXXX/XXXX/2016 : I contacted the dispute unit on XXXX/XXXX/2016 giving the same response as of XXXX/XXXX/2016 and still no credit on the account. Instead I was told that it would be another investigation XXXX after XXXX/XXXX/2016 response letter. 
These responses and promotion seems very suspicious to me and appears to be deceptive marketing/sales and business practices. There 's no valid reason further investigation if I 've already met the requirements according the fine print in the promotion document and the investigation.
Product: Mortgage

I have paid my mortgage using 2 separate checks from 2 separate bank accounts for years without issue. Round Point mortgage starting servicing my account a few months ago. The refuse to apply my payments. They have my loan listed as past due. They are charging late fees. The due date is the XXXX of each month. The full payment has been in their hands by the XXXX of each month but they refuse to apply it. I've spend more than 1 hour on the phone trying to fix the issue.