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

On XX/XX/XXXX I took out a car loan with Santander USA for a XXXX XXXX XXXX when I had a previous job, however by XX/XX/XXXX I reached out to Santander to tell them at the time I lost my job and needed assistance. Santander arranged deferral which kept extending the dates on my loan which they claimed was a good practice on top of which I found later they were still billing me late charges to the loan which kept being accumulated from the date of the initial late as such Santander end up charging me over {$5000.00} in extra fees not agreed to in my initial loan agreement. 
This predatory behavior continued culminating at its peak at XX/XX/XXXX, when while I was in talks with Santander they repo my car illegally, while I had made a payment through their system of the balance owed. It took me 3 weeks to get my car back and on top of that they tacked on over {$1500.00} in additional fees. Santander through the life of my loan continued to act unethically, going against out initial agreements and adding 30 day lates to my credit even though I would call them and they would have agreements with me on file. 
On XX/XX/XXXX after getting notification from the Florida attorney general and calling their office, I was navigated to the website : https : //santandermultistateagsettlement.com/Home where I have come to now realized how Santander has taken advantage of me and so many others across the country and I need my situation to be resolved. I contacted Santander in XXXX to notify them of the issues first letting them know it was almost 3 years since I had needed any sort of help and I was timely if they could do a goodwill and help me resolve the issues ... however I was given no helped. 3 weeks after this I decided to now take the the legal route as alluded to by the Florida Attorney General 's office. Its been over a month and nothing has been resolved. Hence I am taking my issue first to the CFPB to get a resolution with Santander before I escalate this matter any further.
Product: Prepaid card

I was provided two gift cards from XXXX as a way of getting cashback from purchases I made in the past. Unfortunately, the gift cards do not work on any purchases I attempt to make online. I double and triple checked that all the fields were inputted correctly, but the purchases still can not be made. 

I attempted to contact American Express about this issue, but the customer service number provided did not have any information on the issue and there was no capability to speak to a live person about this. 

Further, upon researching the issue, it appears to be an ongoing problem with American Express, and the only recourse appears to be contacting the CFPB. 

Attached as evidence is the two gift cards and a screenshot of a XXXX order that could not be placed with the {$14.00} gift card. Please note that the print out of the {$14.00} gift card shows a balance of {$13.00} as XXXX attempted to charge {$.00} to the card during my screenshotted order attempt. 

Thank You.
Product: Checking or savings account

I filed a compliant - XXXX because Optum Bank refused to start a billing dispute. 

I have been working with XXXX XXXX via email. XXXX advised me that a billing dispute was opened on XX/XX/XXXX, and on XX/XX/XXXX. 

I received a letter via Optum Bank asking me to call. I called on XX/XX/XXXX and spoke with XXXX from the billing dispute/fraud department. XXXX advised me that no billing dispute was opened and that XXXX lied to me.
Product: Debt collection

Sears wrote to me and said my credit card could be closed due to non-use. I used the card for small purchase of {$1.00} for website domain, {$9.00} for an event and {$14.00} for XXXX XXXX vitamins. These charges were authentic and have been paid for. However, recurring monthly charges of {$14.00} were showing up for web hosting that I did not order through XXXX. I disputed the charges online and Sears says they credited the account once for {$14.00}, agreeing to my dispute. I was transferred to place a block on the recurring charge. I spoke to XXXX. I asked for a new card with new # 's and exp. date, but was turned down on XXXX. I was to be emailed a new status of my account with the credits applied and recurring charges to be blocked. My account would then actually have a credit. However, I am now receiving around 25 phone calls since XXXX that I need to call them back. I have actually received more calls than this, but this is just since I wrote the " cease and desist '' order. This was after I faxed a notice on XXXX to them to stop harassing me and not to call the house. I received confirmation that fax went through. I then followed up with a letter to Citibank to block the account and shut it down. Instead of replying to that letter directly, Citibank sends me a letter on XXXX asking if I'm having financial difficulty and threatens to ruin my credit with an amount due of {$36.00}. On XXXX it is now over {$75.00} sent by email. On XXXX I get a notice from credit karma that my credit rating has changed - it has dropped 180 points because Sears has reported the disputed charges as late payments. Now I am having a problem logging into the Sears card account to check the account status. I can see why the Sears company is in danger of going out of business forever!
Product: Credit reporting or other personal consumer reports

Unauthorize inquires from XXXX  XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX  XXXX XXXXXX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, I've sent dispute letter to the credit bureau.
Product: Debt collection

Nes systems keep calling about a debt for my son that does not use my number. They call several times a day and each time I tell them to remove my number. They still call with local numbers and local business 's that are fake.
Product: Credit card

On the month of XXXX of XXXX, I received an alert on my phone that my card was being utilized at a Best Buy. I immediately called the bank and stated that it was an unauthorized transaction. They informed me they will dispute the charge and later stated there were multiple charges in my account that I had no knowledge of. They cancelled the card and allegedly issued a new card which I never received. There were more purchases made with that card to which I disputed again and requested to immediately cancel the account. They instructed me that the mailing address they had wasnt the one I was providing the with. I asked which address is the one they had they refused to provide me with an address. They advised me that they will update the address again in the system and issued a new card. I called today XX/XX/XXXX to inquire on the status of the dispute to only be told that there were more purchases made with a card. I advised them that is impossible cause I havent received any cards in the mail yet. Once again they said they had a different address that where I reside. I requested for the 3rd time to cancel the account and dispute all these charges since XX/XX/XXXX. They have not been able to close this account and still accruing charges. I need to dispute all these charges and close the account immediately. All these transactions are not authorized by me and they failed to close the account to prevent any further transactions. I need to have a resolution on this matter closed any contact with this terrible company and have those charges reversed.
Product: Debt collection

I contacted 'Perfection Collection ' via phone XXXX on Tues. XXXX XX/XX/2019 to make them aware of a law suit pending with XXXX  XXXX XXXX XXXX XXXX ( I believe them to be one of the same owners ). I also explained that XXXX XXXX XXXX XXXX was in breach of the contract ( XXXX did NOT call police ) and Perfection Collection stated that I would still have to pay them ( because they supposely bought the debt from XXXX ). 

I asked Perfection Collection to forward me a copy of contract that states I still pay when XXXX is in BREACH of their contractual agreement. As of to date Perfection Collection has this BOGUS debt reporting on my credit reports and to think this company was trying to practice " perfection '' These 2 companies ( XXXX XXXX XXXX, XXXX and Perfection Collection ) are working together ( BOTH are located in XXXX, UT ) and scamming people out of money. I also have found that XXXX XXXX XXXX has had many businesses that have been shut down ( all indications are there and they are NOT good )
Product: Bank account or service

Us bank keep charging me hidden fees, my account comes with XXXX free atm transactions a month and they charge me for XXXX transactions and i only recieve XXXX free atm transactions. So they charge me {$7.00} of atm trasactions and that gave them a reason to charge {$27.00} for extended overdraft fee but it dont stop there now they will continue to charge {$27.00} for every 8 days. I barley get XXXX dollars of SS XXXX income and i have XXXX kids and this is not right for a bank to take advantage of people like this. please take care of this issue. then if you over draft your account it will be charge XXXX dollars for each overdraft and XXXX dollars for every eight days while your account is in the negitive. they stold XXXX dollars from me last month and they keep stealing from their customers.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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
Product: Money transfer, virtual currency, or money service

My issue is with CHIME / XXXX XXXX IN XXXX OF XXXX I deposited {$1000.00} FROM MY XXXX XXXX XXXX TO MY CHIME. 

CHIME KEPT MY {$1000.00} and CLOSED MY ACCOUNT!!! 

The first refund check they sent me was drawn on XXXX XXXXXXXX XXXX THERE IS NO XXXX XXXX XXXXXXXX WITHIN 100 MILES OF XXXX NM!!! XXXX WOULD NOT CASH IT CHECK N GO WOULD NOT CASH IT SO IT EXPIRED!!! 

The SECOND ONE WAS LOST. 

Now FOR THE 3rd ONE I HAVE SENT THEM A PICTURE OF ME HOLDING MY DRIVERS LICENSE THAT I TOOK MYSELF AS WELL AS JUST MY DRIVERS LICENSE ALONE OVER 5 TIMES NOW ALL ARE VERY CLEAR!!! 

I HAVE DONE EVERYTHING THEY ASKED AND THEY KEEP LYING TO ME SAYING I SHOULD GET IT NO LATER THEN XX/XX/XXXX THEN THEY SAID XX/XX/XXXX IT IS NOW XX/XX/XXXX AND I STILL DO NOT HAVE MY {$1000.00} FROM CHIME!!! 

THEY KEEP GIVING ME THE SAME AUTO BOT RESPONSES!!!! 

I HAVE BEEN WAITING FOR 2 YEARS NOW FOR MY {$1000.00} REFUND!!! IT IS THEFT!!!! 

I WANT MY MONEY I NEED IT NOW!!! 

I no longer have access to the email I opened the account with and I have explained this many times and provided a good one I use now. They keep saying how sorry they are and the check is in the mail!!!! I STILL DO NOT HAVE MY {$1000.00} I HAVE SENT PICTURES OF ME HOLDING MY DRIVERS LICENSE MANY TIMES SELFIES I TOOK!!! I DID EVERYTHING THEY ASKED MANY TIMES NOW YET THEY JUST GIVE ME AUTOBOT RESPONSES I CAN NOT GET THROUGH ON THE PHONE NOW TO SPEAK WITH ANOTHER MANAGER TWO YEARS IS WAY TOO LONG!! 

Its THEFT THERE IS NO FRAUD ITS MY MONEY MY ACCOUNTS I HAVE PROVEN THAT SO THERE WAS NO REASON FOR ANY OF THIS I JUST WANT MY MONEY IT SHOULD NEVER BE THIS HARD OR TAKE THIS LONG TO GET MY MONEY BACK!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, N .M. XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX {$1000.00} FROM XX/XX/XXXX WHEN CHIME KEPT MY MONEY AND CLOSED MY ACCOUNT I OWE CHIME NOTHING!!! 

TWO YEARS NOW!!!
Product: Credit reporting

I have only lived in XXXX there is a third address listed that is NOT mine Please take off my report
Product: Mortgage

I just received a letter from XXXX XXXX XXXX, XXXX that Nationstar Mortgage has asked them to foreclose on my house, XXXX XXXX, XXXX, VA XXXX. The date of foreclosure was not provided. Mean while I will respond to their letter and dispute their claim as Nationstar have not lived up to their expectation to modify my loan as required by HAMP Loan Modification Program. Attached is their letter received today, XXXX XXXX, 2016.
Product: Mortgage

Please see attached documents : (  1 )  FACTS - CFPB  XXXX  (  2 )   Form  HUD-1 - Wells Fargo Bogus Demand Letter -   USAA Insurance f or Military Forensic accounting.xps  ( 3 )    XXXX   XXXX    Recorder 2015.xps M y story and my forensic accounting, from "  XXXX  independent professional sources, '' remain the same.      Wells Fargo  replies continue to present erroneous and changing information (  1 ) to backfill accounting errors, ( 2 ) to hide dual tracking, ( 3 ) to hide securitization of real property, ( 4 ) to defraud the Federal government and its tax paying citizens.      Moreover, I have learned that  Wells Fargo Bank  wrote a  20-year ac cumulation period Annuity Application at their   XXXX   XXXX  ,  XXXX , CA  XXXX  store, based upon a " telephone interview '' of my Mother in "   XXXX   XXXX  . '' The overwhelmingly egregious  fact is that my Mother  reached her mortality on   XXXX   XXXX   XXXX  , "  four years prio r. '' Even if my  Mother had  been alive in   XXXX   XXXX  , a  20-Year perio d would have placed her at " age  XXXX  '' before annuity income from her otherwise liquid savings account. This action violates every  Senior Suitability and Compliance Law o f record.     Our family, that has ban ked at Wells Fargo since Year   XXXX , has been targeted by  Wells Fargo in its " 8 is  Great '' schemes. There must be some  Federal restitution to the victims of Federal Bank schemes to restore our hard earn ed estate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards. For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I am requesting that you verify permissible purpose was provided for each account and inquiry. The credit bureaus had 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.
Product: Bank account or service

On XXXX XXXX, 2016 I went into PNC Bank. I spoke with the teller and informed her that I was going make a deposit of {$210.00} in form of a check and she stated that {$100.00} would be instantly cleared into my checking account. I had XXXX transactions on this date withdrawn from my account and this was confirmed with the teller. The tellers name was XXXX XXXX. XXXX XXXX confirmed and assured me that it would not exceed over my check amount. I explained to her that I am a XXXX Business Owner and could not afford any NSF charges. She assured me that I would not. Later on that day I used bill pay for {$170.00}. I had {$110.00} in my acct already in which had cleared on that day. On XXXX XXXX, 2016, I went back to the bank and spoke with XXXX XXXX. I ask her for my balance. She stated that I was in the negative and had insufficient funds. I explained everything to her and ask if I could get those charges refunded and pay the cash to make sure that everything would be covered. She stated that I needed to speak with the business manager. I was uspet and demanded an explanation. So I then made a deposit over {$600.00} through form of a check. I was told that I had accrued over XXXX over draft charges overnight. I then ask for the business manager and told her to give me my check back. She stated that she could n't. The whole time on this date I never left the bank. I requested to speak to someone higher than and she referred me to customer service. She stated that I needed to call someone else. This is a business account and my livelihood. I called XXXX different people and everyone said that it 's nothing we can do. I spoke with a XXXX XXXX and she refused to give me any NSF 's charges. I went back into the bank the next day after seeing another NSF charge. I was then told that I was in the program that paid any and all NSF charges even if the funds was n't available. PNC stated that they were authorized to approve any amount that was to come through. The Manager stated that in return they would just charge NSF charges. I never signed any paperwork or anything authorizing PNC Bank to authorize charges if the money was not there and agreeing to NSF 's. At the time I had over {$2000.00} of cash in my pocket to cover all checks. Had I been told each time that my transactions would result in NSF charges or I was enrolled into a program, none of this would of happened. There was a lack of communication on the banks part. The next day the Branch Manager stated that she submitted emails to a higher chain of command to her and reported that she had not heard anything back. Still this day I have n't back from PNC. This is unacceptable behavior and I feel as if PNC is a ripe off. I am a business owner and have rights. I was treated unfairly and was not informed of any program and additional NSF charges. I am a very dissatisfied Business customer. I will definitely be filing another claim with PNC Bank Overdraft Settlement and have discussed these actions with my Attorney. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion Here are the accounts that needs investigation : XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$61000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Balance : {$4900.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$28000.00}
Product: Consumer Loan

On XXXX/XXXX/16 I called Lending Club, XXXX XXXX XXXX, XXXX XXXX, CA. @ XXXX CST ( XXXX ) XXXX Pacific Time. I wanted to pay off in FULL my XXXX loans. The XXXX loans {$5000.00} AND {$5200.00} Loan # XXXX AND loan # XXXX. I had all required documents, a check book to give them permission to pay the loan. I was told by a employee XXXX that I could not do that payoff until Monday! This was Thursday. I was also given the balances as of Monday XXXX/XXXX/16. The first loan # XXXX has a 25.80 % interest rate with a 29.72 APR. The second loan # XXXX has a 19.99 % interest rate with a 23.77 APR. So i asked why? The explanation was that they could not do that TODAY. I said what about Friday? I was told they could only do this on Monday! WHAT I explained to the employees that I was aware of the terms and conditions of the loans, stating NO PENALTY for early pay offs. I asked to speak with a supervisor This supervisor told me the same thing beiing very rude and short with me. I asked what my daily interst rate was until Monday. She refused to answer. I wanted to get her full name or employee number. ALL she said was XXXX. I asked again for her last name and she said that was a privacy matter. She did not fully identify herself to me. I went through the entire situation again and no results! At 25.80 % for four days that is {$51.00}. At 19.99 % for four days that is {$42.00} That is a lot of Money. If they do it to me Im very sure they do it to others.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to remove this suspicious information. 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. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/2021, CitiCard told me that my credit limit would decrease XXXX  XXXX dollars effective that same day. This is against the law that they need to give 45 days notice of a major change. I now have late fees for my utilities and it affected my credit score to have a large decrease. I had paid my bill ontime each month with the exception of a bill due XX/XX/2021. I had been out of town and could not log into my account and did not have the credit card. This is hardly a reason to all of a sudden drop the credit limit without warning. I am unable to log in online at all currently even though I just paid the past due balance plus some. It was not even a week late. I had to request a new card so I am unable to log in at all to get the messages from their secure message center.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally dispute an inaccurate address and misspelling of my name listed in your records related to my account with XXXX, XXXX, and Equifax, According to the information provided, there is an incorrect address associated with my name, and I believe this is an error that requires immediate correction. 

The inaccurate address in question is : Incorrect Address : [ XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ] However, my correct and accurate address is : Correct Address : [ XXXX XXXX XXXX XXXX, Texas XXXXXXXX XXXX XXXXXXXX ] Under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws, I am entitled to request that all inaccurate information be corrected. Please investigate this matter and update your records to reflect the correct address as provided above. 

I would appreciate it if you could provide written confirmation once the necessary corrections have been made. If additional documentation or information is required, please let me know promptly so that I can assist you in resolving this issue as soon as possible. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of this dispute. 

Sincerely, XXXX XXXX