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

I have a mortgage loan # XXXX with Santander Bank in Puerto Rico. Firstbank purchased Santander Bank a few months ago and when they did, they messed up the reporting of the loan to the three credit bureaus and because of their mistake they caused significant damage to my credit scores, reducing them by 48 and 52 points. I have tried by all means to get the bank to correct their mistake, but even though they wrote to me saying they'd fix it, they never did it. They just don't understand how to change the status of an account that they already closed ( they closed the Santander mortgage account and opened a new one under the Firstbank name ). I've tried to explain it to them over and over again, but their staff lack the necessary knowledge to correct credit reporting errors. I am in the process of buying a new home in Florida and the mortgage bank pulled a new report this month, and because of the 52 point reduction in my score, they increased the interest rate on my loan. Firstbank has caused me irreparable damage through their actions. They also haven't complied with federal laws that regulate how banks must handle and fix credit report errors. They were supposed to fix their mistake no later than 30 days after being informed of it. I am pretty sure this mistake happened with most of Santander Mortgage customers who took advantage of Covid-19 forbearances, some of which as of this day have no idea their credit score has been affected negatively by Firstbank. I know about it because I pay a monthly fee to XXXX  for credit monitoring. But most XXXX XXXX  don't monitor their credit. The mistake in the reporting by Firstbank has to do with the fact that they reported incorrectly Covid-19 forebearances as " not more than two payments past due '' and/or " 30 days past due '' in the payment status. This is illegal because the CARES ACT explicitly says that if a loan was current when the forebearance agreement was finalized ( and mine was ), the creditor needed to continue to report the loan as being paid on time or being current during the forebearance period. I include copy of a letter from Firstbank where they acknowledge their error and let me know that it's been corrected ( it never was ). I also enclose a copy of my most recent credit reports from XXXX and XXXX that show payment status as " not more than two payments past due '' and " 30 days past due ''. This is the line that they need to correct to " Pays account as agreed ''. PLEASE SEE PAGE 26 of XXXX  CREDIT REPORT where the only red alert in the report is shown. In the XXXX  REPORT the account also shows incorrectly a payment status of 30 DAYS PAST DUE. PLEASE SEE PAGE 21 OF XXXX  CREDIT REPORT where the only red alert in the report is shown. I also include screen shots of the XXXX  page where the 48 and 52 points drops in my scores are shown.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit bureau a dispute letter on XX/XX/2020 and they didn't respond within the 30 days. I sent another letter on XX/XX/2020 asking them to delete the erroneous accounts since they failed to respond in a timely manner. I also sent a complaint through the CFPB and they responded that they have updated, not DELETED. I'm asking them to remove the accounts from my report before we have to take legal actions.
Product: Credit reporting

Tried to get my report and was unable to do so even though I tried through all three companies. Experian said they were " Unable to honor your request. '' XXXX told me I had already received it and XXXX said there was an error and that my report could not be pulled. I have essentially no credit history because I have never borrowed money but I need the report for a job application and have obtained one before for this purpose with no trouble. I am wondering if the issue is that there 's no history so there 's nothing to pull. Called a few numbers and got no help. Ca n't even request one to be mailed to me.
Product: Money transfer, virtual currency, or money service

I had a chase XXXX account and it was overdrafted about {$590.00}. I was going to fix this once I got paid from my job. My son wanted to open a bank account and my college account was not eligibile to create an account. So I opened a total checking account and was able to open my sons account as well. It was a coworkers birthday and I did not have the physical card but I did have it on XXXX XXXX. My coworkers sent me {$5.00} each. My dad tried to send me {$200.00} and was rejected. I called chase and they said try again - at this point my dad had sent the money to my coworker to send to me. It did not work again. My account was than blocked. I called chase they told me in order to get access to XXXX I would have to pay my overdraft account. I now have paid the overdraft account even though it is closed. I opened a new account and tried to enroll in XXXX  and it is telling me that I am not eligible for XXXX. I have spoken to chase and they are not able to do anything and refer me back to speaking to XXXX  itself. XXXX is unable to help me because they are unable to see any of my chase information. This has been very annoying being that I have used XXXX for many years and have never had this issue and the bank itself is unable to do anything to help but tell me account is blocked due to scam? There was no scam done on the account ever.
Product: Credit card or prepaid card

On two separate dates within the last 90 days, I was overcharged by the company XXXX XXXX XXXX on my Capital One Credit card for laundry machine services I used from that company. The first two overcharges occurred on XX/XX/XXXX. On XX/XX/XXXX I purchased and received services for {$15.00} but there were two extra charges of {$2.00} made to my credit card on the same day from machines which were " out of order '' and I did not receive services for. I contacted the company to request a refund but never got a response from them. On XX/XX/XXXX, I purchased and received services for {$18.00} but there were four extra charges of {$2.00} made to my credit card from machines which were " out of order '' and I did not receive services for. Once again, I contacted the company to request a refund but never got a response from them. 

The total amount of overcharges I received from the company XXXX XXXX XXXX on my Capital One credit card is {$15.00} and since the company has refused to refund my money, I am requesting that Capital One please remove the charges because I am being charged for services I did not receive.
Product: Debt collection

I received a notice on XX/XX/2020 from XXXX, a credit monitoring service, that a derogatory report appeared on my credit report and that my credit score had decreased. The company making the report appears as Southwest Credit Systems on my Experian credit report. The derogatory report appears as XXXX  XXXX XXXX on my XXXX XXXX report. I have not received written notice of any debt owed either to Southwest Credit Systems or XXXX XXXX XXXX. As such, I have never been given an opportunity to dispute said debt ; however, a derogatory remark appears on both my XXXX XXXX and my XXXX  credit reports. On XX/XX/2020, I disputed the derogatory report with XXXX. On XX/XX/2020, I attempted to dispute the derogatory report with XXXX XXXX, but XXXX XXXX website did not afford me the opportunity. Under the Fair Debts Collections Protection Act, I have the right to be informed in writing of any alleged debt owed and I have thirty days to dispute that debt. I have been denied both of these rights. Furthermore, I am not in arrears for any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed this debt. I called immediately and paid the debt off. i never received any phone calls, collection notices, or letters and I'm pretty sure that violates my 30 day right to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has violated my consumer protection rights given to me under federal law. 

As per 15 usc 1681b ( a ) : any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 1681b ( a ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates. 

I gave transunion written instruction on how my information could be used for accounts under XXXX, XXXX, and XXXX XXXX. They were instructed not to included my nonpublic personal information as defined under 15 usc 6801a. 

1016.3 ( q ) ( 2 ) ( i ) ( B ) : Account balance information, payment history, overdraft history, and credit or debit card purchase information ; This instruction was ignored hence triggering identity theft as define by law using my personal information without lawful authority and they do not have my consent.
Product: Debt collection

On XX/XX/XXXX, I recived a notice in the mail from an entity called Convergent Outsourcing , Inc . This notice recd from Convergent Outsourcing is dated XX/XX/XXXX, and indicates that it was mailed on behalf of XXXX, in which they refer to as their client. It also annotates what they claim to be a 'balance due ' of {$120.00}. This is in reference ( Im guessing ) to the only XXXX  account Ive had before, and closed/cancelled in XX/XX/XXXX. This notice also states : 'our client has advised us that they are willing to satisfy your account in full for 50 % of your total balance '. In addition, at the time the XXXX  account was closed/cancelled in XX/XX/XXXX, there was a balance of {$47.00} - which was paid in-full, and in conjunction with the account cancellation. The modem equipment was prompty returned via XXXX XXXX XXXX per instructions provided by XXXX. There were no other invoices or correspondence of any kind received directly from XXXX  after the account cancellation, balance payment, and return of equipment.
Product: Mortgage

HI, I had my mortgage with XXXX XXXX XXXX, it was sold to Nation Star.. 
in the past with XXXX XXXX XXXX website i had a lot of options, and information about my mortgage for example i was able to make extra payments and see in real time the Amortization calculator of my loan, as well when my Home Owners Insurance and Taxes were paid. 
Nation Star has a very poor Website, and a very poor customer service they are only available from XXXX to XXXX ET. 
I understand there is laws that allows mortgage companies to sell the mortgages, but the other mortgages institutions should offer AT Least the same tools and options to manage our most important asset which is our home. 

When i called customer service they told me that at the moment they do n't have that option in their website ... .. its 2015 Nation Star please hire some to build a decent website to server your customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to check my credit as I always do because Im in the middle of purchasing a home I am a first time home buyer. When I check my credit I found out that my credit score have been lowered by XXXX  points on all of the credit companies. I then reached out to the lender that I was working with and she explain to me how to handle it. I called the federal student loan company to tell what had happened he informed me that the federal student loan has a right to close my account and transfer it to someone else. I told him I understood that however the Fed student loan company did note it in my credit report. Neither did they note that when they closed my account that my account was in good standings and it was of no fault of me as the consumer that my federal student loan account was closed. Nor did I have anything to do with it, as a matter of fact I did not even know until I went to pay my monthly payment and it was rejected.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>XX/XX/XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

This was done in XXXX, I was trying to find somewhere to stay because I was supposed to join the military, being I couldnt leave it messed a lot of things up. I was joining the reserves so I was looking to stay in the college apartment, before I was supposed to leave I completed an application which I was never told if I was approved or denied. I didnt receive any calls, text nor email stating I was approved for this apartment. Moving forward, I never received the keys how do I have XXXX in collections for somewhere I never moved? Never was told I was approved. I tried to move in XXXX and completing applications I realize this apartment complex put an entire XXXX in collections on somewhere I didnt step foot in. I have emails stating I never stayed here with the apartment complex. This is like fraud to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX Account Name NATIONAL CREDIT ADJUST NATIONAL CREDIT ADJU Account Number XXXX Account Type Factoring company Credit Type Open Account Responsibility Individual Date Opened XXXX Date Closed Current Balance XXXX Past Due XXXX
Product: Checking or savings account

When I completed Vio Bank 's online application process for a " HIGH YIELD ONLINE SAVINGS '' account ( at XXXX XXXX XXXXwww.viobank.comXXXX  XXXX, I got the following message : Unfortunately, we can not process your application. 
For assistance, please contact us at XXXX. 

When I called that number and spoke to XXXX ( sp? ) and XXXX, they both said they could not provide a reason for my rejection. However, I told them I needed to know because it may be an issue that I could correct, such as a credit freeze ( which is on my account because of past attempts to steal my identity ). I know I do not have a credit freeze on XXXX, but am unsure about XXXX  or XXXX. I told XXXX that, under the Equal Credit Opportunity Act ( ECOA ), Vio Bank is required to tell me the specific reason [ my ] application was rejected. However, she adamantly refused to provide those reason ( s ) [ either orally or in writing ].
Product: Vehicle loan or lease

I sent Exeter Finance XXXX an instrument for full satisfaction of the claim and was accepted. Exeter continued to send me a presentment/bill for payment, an account of which was satisfied. They reposess the vehicle dishonoring the amended contract and now is a negative mark on my credit report
Product: Debt collection

This debt is/was not mine. I handled it some years back they deleted off my credit and it reappeared last year. This company really needs to stop harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I spoke to a rep by the name of XXXX. I told him that I was currently going through a financial hardship. I told him what can I do so that my account does not go into collections because I have good credit. He told me that I would need to make a payment of {$60.00} asap. I told them that I already made a payment of {$70.00} on XXXX XXXX which took care of what I was past due prevously. I told him that I could go in on the XXXX and pay {$70.00} so that it does n't show up late which I did. He also said he would remove the late charge {$38.00} so that it would lower my total balance of what I owed which total {$130.00}. XXXX told me my account was not late and I just check my credit report today and it says my payment is late which is is not and I am very upset.
Product: Credit card or prepaid card

On XX/XX/2020 I received an email from American Express offering a promotion. 

The promotion was that I could create a Plan whereby I could, for no fees or interest pay off charges of over {$100.00} over a nine-month period ( see attachment ). 

The " Plan '' could be set up online. This would apply to my American Express card XXXX XXXX XXXX. I had until XX/XX/2020 to do this. In fact I could set up 10 plans over this period of time if I so desired. 

On XX/XX/XXXX I set up a " Plan '' with two chargers for {$3100.00}. 

On XX/XX/XXXX, in order to take advantage of the XXXX benefit I purchased an air conditioner system for my home for a total price of {$5200.00} from XXXX XXXX XXXX XXXX. The next day I went online to enter this into a new Plan ''. I was unable to this because the purchase was classified as pending. I called customer service and after an hour on the phone I was told the only thing I could do was to call XXXX and ask them to release the charge. I did this and no one at XXXX knew what I was talking about. They told me that they submitted the charge and they were already paid for it from American Express ( see attachment ). 

Out of desperation I called the CEO of Amex hoping to be able to speak to someone in his office. The operator told me that the CEO doesnt speak to people and there was no one else who would talk to me. I was instructed to send an email which I did and which went unanswered. 

Later in the day I once again called customer service and after an hour speaking with several people I was once again told that I was out of luck. The system was completely automated and no one could override it. 

I now have to finance {$5200.00}. My choices are paying by installments at an APR of 15.24 % or creating a new Plan for a cost of {$420.00}. 

Amex lured me into this scam with an email. They are guilty of FRAUD. 

I believe that I should be able to create a new free Plan or receive a {$420.00} credit. 

American Express should be made to cease and desist this illegal scheme. 

I am asking for your help to rectify this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX
Product: Debt collection

Attempted to contact debt company through telephone number given to me by XXXX  XXXX XXXX to explain debt amount and validate its accuracy, no account found within their system linked to my social security number. Unable to give me any information to clear this debt from my credit to secure housing for my son and I.
Product: Money transfer, virtual currency, or money service

I am XXXX XXXX military member with the XXXX XXXX XXXX XXXX. I have a checking account with USAA. On XX/XX/XXXX mobile deposits were made into my account in the amount of {$6500.00}, {$6700.00}, and {$500.00} for a total of {$13000.00}. The deposits were made by a " XXXX XXXX '' XXXX XXXX XXXX, XXXX GA, and the check was from a XXXX XXXX XXXX XXXX Account. I do not know XXXX XXXX, how she got my bank account information, or how the deposits were made. On XX/XX/XXXX, several debit withdrawals were made in increments of {$1000.00}, {$1500.00}, and three ( 4 ) {$2000.00} withdrawals for a total of {$10000.00}. The withdrawals do not provide any information about who withdrew the money from the account. The deposits of {$13000.00} were also withdrawn. I spoke with USAA reported the incident, it was investigated, and was told that they could not help me because it was a " personal matter. '' I also spoke with a legal assistance attorney with the XXXX XXXX and was referred to this complaint system with the CFPB. Any help in the matter would be greatly appreciated.
Product: Credit card or prepaid card

I overpaid my Bank of America Visa in XXXX and they issued me a refund for {$84.00} in XX/XX/XXXX. I never cashed the check and called them on XXXX  asked them to void the check and apply it as a statement credit. During the first call, they told me it could take up to 10 business days. I called back on XX/XX/XXXX and it was not applied yet and they told me it would be done by XX/XX/XXXX. I called back on XXXX  and was initially told it could take up to two billing cycles. When I asked for a supervisor, they revised their story and I was told it could take up to 14 business days and to call back on XXXX 

There is no reason for this process to take so long when the check is drawn on their own account and simply needs to be applied back to my credit card. In the interim, they are continuing to charge me interest on my balance the longer it takes to issue the credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a collection on my credit report in the amount of  XXXX  dollars with  XXXX   XXXX . This dropped my score over  XXXX  points. It is making impossible for me to get new credit. Its unfair that Equifax is singling me out and not abiding by the New York Attorney General settlement. I was never notified of this collection. A  XXXX  dollar balance? Why would i not pay that. I refuse to pay a collection company money i do not owe. When i talk to my medical provider i do n't owe them a dime.  <P/>   Medical colle ctions  are notoriously inaccurate.  Information  is bought and sold numerous times. I 've also never been contacted by this company. How can you report something on my credit report that is not mine?  <P/> Finally, Equifax should be more consumer friendly. More understanding to how their false reporting affects consumers.  XXXX  dollars? Why would n't you just remove this instead of having to deal with a complaint or better yet a lawsuit where they will be paying me thousands of dollars.  <P/> Equifax should be investigated for their inaccurate reporting.