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

I had my vehicle loan on auto pay for several years with Santander Consumer USA. I would get an email every month for the bill and the last email was XX/XX/XXXX. I never both opening the emails as I know it was on auto pay. Then XX/XX/XXXX I received an email. I thought it was odd since it should've now been paid off - the entire loan. So I called them and they said auto pay doesn't work when the amount is not the same, yet in the emails ( XXXX, XXXX and XXXX 's emails ) it didn't say they could not debit/charge me for the last payment. I promptly made the last payment of {$250.00} the same day XX/XX/24. I have credit monitoring alerts on due to several companies being breached and was alerted of a negative alert that brought my score down like XXXX points! I called Santander immediately, and they said they never reported it and to call XXXX. I called them and they said they only get this information from Santander and that they don't place this type of information on their own, which of course made sense but I was following the directions of the Santander representative. Now I have a negative event on my impeccable credit report due to lack of clarity in emails and process for autopay. They never called me or emailed me saying I was late nor are they helping me to remove this negative event considering I paid as soon as the next email came in. There was also no email in XXXX. If I was so delinquent, why wouldn't they email every month or even every week.
Product: Checking or savings account

I had a vacation paid for and booked well before the pandemic started. The US travel restrictions went into place 2 days before our trip on XX/XX/2020 as well as the XXXX XXXX closing its boarders. Our trip was obviously cancelled and I received an email from Bookit.com to contact your bank for a refund. I contacted Wells Fargo for a chargeback and to get my money back immediately. They returned my money at first then removed the funds from my account again, claimed they sent me a single letter to sign ( which if I received I would have signed to keep my money ). I then contacted them again after seeing the funds magically gone and they re-sent the letter which I immediately signed and returned. They then sent a notice saying my claim was closed and I am out of the money for the vacation we never went on. I have tried over and over and talked to several managers with no luck. This is crazy to me because I did absolutely nothing wrong, they are just being greedy and very unprofessional. I would greatly appreciate any help with this matter. It is a lot of money to me. 

Thank you for your time
Product: Debt collection

I wrote to KS Counselors requesting validation of an alleged debt under 15 USC 1692, after learning that theyre reporting such to the credit bureaus. I sent the request certified mail, return receipt requested ( see letters, receipts attached ). They received my initial request and failed to respond in a timely manner. I sent them notice stating that their failure to respond was a violation of federal law and they had a duty to cease reporting of alleged debt. Theyve received said notice and still continue reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is in violation of the fair credit reporting act they removed an account that didnt get verified than put it back on my credit report they are in violation reporting both of these XXXX XXXX accounts on my credit report after they were removed and if these items arent removed i can sue for XXXX $ per account. i ask that you the cfpb help me get these accounts removed because they are in violation of the fair credit reporting act I have provided documents below
Product: Consumer Loan

I co signed on a loan that was a refinance of an existing loan of mine.  The (now retired) employee that swore to me that this was a necessary thing to do to keep the loan from going into default lured me into a deceptive loan. I have dealt with this company in the past on small loans but they assured me that taking out t his larger loan to consolidate bills was a necessity. These people make you think you are a friend and they are looking out for your best interests.  They said I needed to put this loan in my friends name (who had debts  being paid off from the loan also) because "the friend" had a job and if he lost his job the loan insurance would make the payments.  The terms and conditions they gave us were NOT what we had been promised. After having us sign the forms I realized interest rates were changed and was told it was a binding contract and nothing I could do.  The terms were for 5 years near the end of the 4th year financial problems were incurred and they said they would modify the loan. No papers were offered, no terms given they just said it would lower the payment. We were left to assume the terms were the same.  What I later found out (from logging into my information online, which I was not told was possible) I saw the loan was extended for 12 more years.  The friend got into some legal trouble last year and because of that had to move.  I called the local office and explained to them the situation and asked if they could give me any  help.  The manager told me that  he couldnt do anything and that I needed to pay or go to court.  I have paid this loan for over 9 years approximately and for the amount borrowed I have paid the original amount borrowed and much more. They take out all interest first and nothing goes toward principal. 7500 (approx) was borrowed and by the end of the estimated 11 more years they tacked on the loan close to 50k will be paid! That is more than my home cost!!! They now cant find the primary lender and are harassing me non stop. I tried to work with them in the beginning and they refused. I spent 20 years being XXXX raising a son alone and repaired my credit only for these blood suckers to ruin me over their deceptive practices.  I have no issue paying for something I borrowed but this is not only robbery but it is unethical. It seems nobody is out there monitoring these companies.  This is why they split XXXX to take the mortgage and OneMain to personal loans. Easier to steal more money from lenders who try but cant get conventional bank loans. Our protection is nowhere to be found from our government who should be monitoring these companies. I can see why they can't keep employees there long. Anyone with any conscience would not work for a company like this.
Product: Credit reporting or other personal consumer reports

Bank of America continues to provide FALSE inaccurate information on my credit report. I do nor owe money on my BOA Credit card. I paid my credit card completely off. I am credited with {$12.00}. 

Bank of America states I owe over {$3000.00} on my credit card FALSE/Inaccurate reporting. I paid over {$8000.00} in 2 months on my credit card. 

BANK OF AMERICA NEEDS TO BE INVESTIGATED BY THE US FEDERAL GOVERNMENT.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a shipment through the chase bank, to which they said it would arrive in 5 business days I gave an account number to which I was going to arrive, unfortunately I made a mistake in a number, you pervaded me and I went on XX/XX/XXXX, the employee He bluntly told me that it was likely that I would lose it, but if I insisted on my part, he went to try to cancel the shipment and told me to wait for a call from them, I have gone to four banks and called but they tell me that it is possible I lost it and the employees only answered that when it was communicated to the XXXX XXXX  XXXX XXXX XXXX and the money did not arrive there either
Product: Student loan

I applied for the SAVE Income Drive Repayment plan on XXXX. The student aid government site indicates my application was processed the same day and it says the next step is for my loan servicer to decide which payment plan I qualify for and process the application. It has been > 3 months. Each time I call, I cant get through to EdFinancial ( my loan servicer ). When I XXXX this issue, I found many others with EdFinancial loans complaining of the same issue. All while my teacher colleagues with other loan servicers have had their applications processed in 1-2 weeks and are paying little to no interest.
Product: Checking or savings account

I previously had a fraudulent credit account with Wells Fargo, but I successfully removed it. On XX/XX/year>, I became a member of Wells Fargo for the first time, opening a checking account and completing all the requirements for the {$300.00} bonus offer. The bonus offer code is XXXX. 

I believe I didnt receive the bonus automatically because your system may have flagged the fraudulent account that was previously opened in my name. However, that account has already been removed. 

During the first month, I contacted your phone support multiple times, but each time, they refused to assist me. As a result, I made an appointment at your branch located at XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX, on XX/XX/year>. During this visit, your employee filed a dispute regarding my bonus offer and promised to follow up with me within 10 working days. Unfortunately, I never received a response. 

Although the 90-day period for receiving the bonus has now passed, it is not my fault. I made numerous attempts to resolve this issue through various channels, and I kindly ask you to take this into consideration when reviewing my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX  is reporting me late and that the account is still open with the balance increasing each month. I have submitted my proof that the Id Theft was filed with the XXXX County Sheriff 's Office and needs to be Deleted Immediately from my credit report. 
XXXX XXXX PARTIAL ACCOUNT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have to hard pulls from Citibank NA automotive on XX/XX/XXXX and XX/XX/XXXX I have not applied for anything the address and phone number showing are XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I was diagnosed with a XXXX XXXX XXXX which caused me to miss work and lose pay. XXXX and XX/XX/2020 I missed payments because of this however I certainly had covid before it was announced. I have reached out to the ceo of credit acceptance multiple times. I have disputed these late payments multiple times to get this resolved. No responses.
Product: Credit reporting or other personal consumer reports

Experian 3rd Party and dealership was not supposed to run credit. XXXX XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got alot of different Medical debt that keeps showing up on my report under new postings despite some if it is 5-7 years old Also got a bank reporting and its been 12-15 years since i've had an account with them XXXX XXXX XXXX Last reported : XX/XX/2018 {$1600.00} Needs Attention COMMONWEALTH FINANCE Last reported : XX/XX/2018 {$1000.00} Needs Attention XXXX XXXX   XXXX XXXX Last reported : XX/XX/2018 {$1000.00} Needs Attention COMMONWEALTH FINANCE Last reported : XX/XX/2018 {$710.00} Needs Attention XXXX XXXX Last reported : XX/XX/2018 {$340.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/2018 These are just to bring a few.
Product: Money transfer, virtual currency, or money service

On or around XXXX XXXX, 2021, I fell victim to a multi-layered scam operation ran by the XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to these fraudulent investment companies.
Product: Credit card or prepaid card

I have a card with indigo genesis the card was charged back in XXXX however they said it would be returned to me but has yet to be returned meanwhile Im still responsible for the bill and my interest Ive talked with several different people and no one can help they keep say within 10 business days I will receive my refund but I never do here it is about to be XXXX and nothing has been refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2015 my father suffered a debilitating illness and was in my care.He passed Away the care of myself ; which required me to leave my residence and move in to my grandmothers residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts withXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX I request the immediateBLOCKof all identified information stated in my CFPB and FTC report. FCRA605B ( 15 USC. 1681c-2 ) a.BLOCK, states that " except as otherwise provided in this section, a consumer reporting agency shallblockthe reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alledged identity theft, not later than 4 business days after the date of receipt by such agency of- 1.proof of consumer identity ( see attachment ) 2.copy of identity report ( see attachment ) 3. identification of such information by consumer ( stated in CFPB & FTC report attached ) 4. A statement by the consumer ( stated in CFPB & FTC report attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit profile while building it, I recognized a number of unrecognized inquires soft and hard. These unauthorized a few absolutely fraudulent are Impeding me from boosting my credit or even qualify for a bicycle.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( 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: Checking or savings account

Bank of America closed my checking account on XX/XX/2021 for no good reason after 10 years of business relationship. As soon as I found out, I called the bank and ask to send my account balance check {$520.00} to my mailing address in XXXX XXXX. I waited almost one month not receiving the check, so I called the bank today ( XXXX XXXX ). The bank customer service told me the check was sent to my home address in XXXX instead so I have not received the check. She also told me I have to wait for 120 days to get another check. Due to pandemic I dont live at my home for almost 2 years and I can not get the check and I need the money badly since Im a retired senior. Can you help me to get my check {$520.00} from Bank of America ASAP?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I visited the XXXX XXXX XXXX website and applied for credit. When I submit the application, XXXX XXXX said that I was denied by them but PRE APPROVED with XXXX XXXX  and sent me directly to complete the application. I complete the application and XXXX denied me. As a result of the misinformation and misleading lie that XXXX gave me about being preapproved, I ended up with two inquiries on my credit report and denied for both lines of credit. I would have never applied to XXXX had they not lied and said I was preapproved and since my credit was ran giving me the preapproval already, I did not think my credit would be ran again. I tried to find contact information for either company and could not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm very concerned about my background screen I'm going for a big opportunity a better future for me an my children I'm not the same person I was iv senc moved to XXXX and have started a new life iv left XXXX Michigan to better my self nor to be judged on my past imma hard working man iv giving my life to XXXX for the XXXX time I'm being the man the brother the father the son that my family needs and I feel this report isn't given me the opportunity to grow and build the stable career that I need it's not far for a man who given his all to change and helping the youth I help everyone I come across along the way XXXX is good and I intend to continue to encourage and motivate I have XXXX XXXX XXXX XXXX XXXX who needs me all I'm asking for is a chance to be developed into a better leader of many Time brings change and I'm not the same person I was and thanks for the opportunity to speak on my behalf it really means a lot have an a blessed day
Product: Checking or savings account

Wouldnt let me deposit check some purchases wont go through and also they take money from my account
Product: Credit reporting or other personal consumer reports

On my driver 's history report pulled up by my insurance, it is listed that I had a traffic light or sign violation on XX/XX/2022, which is impossible since I was not living in the country at the time. I have tried calling LexisNexis multiple times but their automated answering system does not allow me to leave a message, only routes me to complain online.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX before submitting the lease application to XXXX XXXX XXXX I noticed a significant decrease in my credit score, appeared to be caused by " XXXX XXXX XXXX XXXX and " XXXX XXXX XXXX XXXX making initial inquiries of my credit on XX/XX/2023 Although I was approved by the above refenced lenders, I have not proceeded with the lease because the credit reporting bureaus keep sending fraud alerts about inquiries from these same companies! 

Complaint : The companies appear to running credit checks on me without my consent. 

Applicable Questions : 1. How do they run credit checks before I submitted the application? 
2. How do they continue to run credit checks on me after the application was approved? 
XXXX. How do I stop it?
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the account listed below & they told me I've never missed a payment, yet XXXX, Equifax and XXXX refuses to fix the account from being listed late. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX, Equifax and XXXX 's job for them to shield my credit & prove my identity. PLEASE CORRECT THIS RIGHT AWAY!!! 
XXXX XXXX XXXX XXXX Date opened : XX/XX/2021 Balance : {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account opening inquiries listed on my TeleCheck Consumer report are fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX, XX/XX/2018 and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTE : I am a CFPB employee. 

i applied for a loan with my XXXX XXXX, XXXX on XXXX XXXX, 2020. My credit was run with Experian, with an excellent credit score.  I was denied because i have a fraud alert on my credit report with no phone number. 

I had previously run into this problem and corrected it. Forgive me, i do not remember how. I recently applied and received an auto loan from XXXX XXXX. 

So it appears to be Experian only. I was given a phone number by XXXX. It had no options relevant to my situation, and it hung up on me. I tried to go on Experian 's website. The log in I had failed. When i requested my username, it said it sent to an email address that was NOT mine. 

I tried another phone number. No options for me. No representative available. I can not find an option anywhere that allows me to add a phone number to my fraud alert. 

It seems a simple thing. Add a phone number to my fraud alert. it must only be wtih Experian since I recently received a loan. 

Please help. thank you very much.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I signed up with XXXX  XXXX  and set my payments for the monthly XXXX on XXXX. On XX/XX/2021 I was notified that my credit score had dropped by 138 points!!!! This is a tragedy because after investigating, the payment was never taken and it should have been. Nothing changed on my end, the card on file is the same! The company does not have a phone number and I have no where to turn as I am attempting to purchase my first house. I need my points back and my payment history updated as this was NOT my mistake and ALL of XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX, XXXX, and Transunion have multiple names reporting on my credit report that are inaccurate. I have requested these names be removed and they are still reporting. Also, they have inaccurate addresses in which I provided statements about already.
Product: Debt collection

I received a bill from a LVNV Funding LLC ( XXXX XXXX XXXXXXXX ) for a bill they say I owe. All my bills and loans are always payed in a timely manner. They say I owe an amount of {$1300.00}. I never received a bill from the company. The only information was this bill from this funding company. When I checked with XXXX this loan is listed as not being paid from LVNV. I never received a bill from XXXX XXXX  XXXX XXXX  When I called XXXX bank they had no information at all to verify this loan, and the same with XXXXl. They are ruining my credit with with a debt that does not belong to me
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries and strongly doubt their authenticity. I urge you to conduct a detailed examination and promptly remove them from my credit history. I have provided supporting documentation for your review.