23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

When I opened my savings and checking accounts, I specifically requested Santander Bank to not allow overdrafts in my accounts ; i.e. decline transactions that would result in an overdraft, if I did not have enough money in my accounts ( I am attaching a letter sent to me by Santander Bank that proves my request ). I requested this because I not always pay too much attention to how much money I have in my accounts. Selecting this option gave me peace of mind since I knew that if I wanted to pay for something but I didnt have enough money, Santander Bank would just decline the transaction and I would know I was running low on my balance. 

Beginning on XX/XX/XXXXsome payments using my savings account were not only not declined, but a ridiculous number of overdraft fees were charged to my account. I didnt notice anything because I didnt receive any text message or email alerting me of the situation. In addition, I changed my address and I received the first forwarded overdraft notice by the beginning of XX/XX/. However, by that time my mother ( another Santander Bank client ) and I had already contacted several times the bank trying to settle this issue.

Not only Santander Bank did not decline the transactions ( none of them were recurring payments, therefore, they should have been declined due to lack of funds in my account ) but also it began to record ( on XX/XX/2019 and on ) some doubtful transactions, none of which I was aware of. For instance, the same amount charged twice the same day ( charging me two overdrafts fees! ) and then, the following day recording something as ACH RETURNED ITEM twice, which resulted in me being charged two overdrafts fees AGAIN! 

We ( my mother and I ) have called XXXX times Santander Bank ( from XX/XX/ to XX/XX/2019; we have dates, names, hours of calls, etc. ) and we have been told every time that a supervisor is going to call us back, but no one has done so. At the middle of XXXX, we noticed that not only Santander Bank did not resolve my issue, but they actually closed my account and sent it to collections. 

To summarize, there are five ( 5 ) overdraft fees that should have not been charged to me ( 35*5= {$170.00} ). In addition, my credit report might have been affected negatively because of this issue. I exhausted every possibility to resolve this issue directly with Santander Bank and I have no other option, but to make a formal complaint against the bank. Santander Bank is not only charging me fees that it is not authorized to charge, but it is blindingly ignoring any and all of my attempts to resolve this issue. I request Santander Bank to write off those five ( 5 ) overdraft fees and to correct any bad report submitted to consumer credit reporting agencies, in case the bank had made a bad report against me.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 put a freeze on my credit with Transunion about a month ago. Everytime I try to access my account the website says my information is invalid no matter how many times I reset my pw. I have called numerous times and they claim the problem is on my end and refuse to validate my account and unfreeze my credit.
Product: Credit card

About a week ago, I went to XXXX with my wife. When we got home from XXXX, I took a nap and woke up to multiple notifications about my credit card getting charged from XXXX XXXX, XXXX, XXXX  totaling to around {$2000.00}. I called my bank and reported it as fraud and my card was stolen. U.S bank did give me my money back but a few days later they took back their provisional credit and said I was liable for the charges. I know that I didnt make these charges and need help from you guys badly. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  did a hard inquiry on me. I did not apply for any credit from them. I dont shop there. I tried to call them and get it resolved with no response and it's still on my credit report.
Product: Vehicle loan or lease

I have had my truck loan through Capital One for 3 years now. I have been repeatedly told by Capital One that I had a 10 day grace period beyond the 30 days. Capital one has repeatedly reported my payment late even though I pay within my grace period. I am trying to get a home loan and this is stopping me from getting it. I have XXXX XXXX helping me with this. Granted they have helped with moving a payment or 2 to the end of my loan, but that doesn't fix the problem.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than XXXX business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! 

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S.Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!
Product: Checking or savings account

I had my account set up to prevent overdraftstransactions were not supposed to process without sufficient funds. Despite this, Citizens Bank allowed a $ XXXX charge to go through on my checking account, leaving it negative. I have three accounts and use them for specific purposes, transferring money as needed. I disputed this charge with the claims department, and after XXXX months, I received a letter stating I would receive a {$740.00} credit as a permanent resolution. This was to be deposited to my account ending in XXXX on XX/XX/year>. 

When I checked, the account from the original dispute was closed, and instead of the credit being issued, the recovery department charged {$720.00} to another account to " offset '' the negative balance on the disputed account. This new charge left my second account negative, even though it had nothing to do with the original issue. Now I have two negative accounts, despite having overdraft prevention in place, and I am missing the promised credit. 

Attempts to resolve this have been met with extreme difficulty. I spent nearly 4 hours being transferred between departments, repeatedly hung up on, and waiting to speak with a supervisor. When I finally reached one, they offered no explanation for why the credit was never issued as stated in their letter. They claimed the recovery department had been awarded the credit instead, but this is contradicting their written communication. Further, the recovery department took additional funds from an unrelated account, leaving me in a worse financial position.

Now I am facing huge losses with late fees and overdraft charges piling up. The bank 's negligence, lack of communication between departments, and contradictory actions have caused severe financial and emotional stress, affecting my ability to pay bills and damaging my credit score. Citizens Banks handling of this situation is unacceptable and demonstrates gross incompetence and deceptive practices.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for their failure to conduct a timely and reasonable investigation into inaccuracies on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I mailed a dispute letter to TransUnion via XXXX certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX XXXX ) disputing the inaccurate and derogatory information on my credit report, including a bankruptcy record. This bankruptcy is reporting with discrepancies, as it only lists an inaccurate court name, a reference number, and a filing date. According to the FCRA, any item reported on my credit report must be 100 % accurate and verifiable. 
Despite my compliance with the dispute process, TransUnion did not respond to my dispute letter within the allowable timeframe. Their failure to respond and investigate the inaccuracies constitutes a direct violation of my consumer rights under the FCRA. This negligence has negatively impacted my creditworthiness and financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter in reference to incorrect personal information in my credit profile that has never been associated with me, yet they still are reporting this information. I attached my driver 's license as proof. 


This is the only personal information that should be on my report. 
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX It is unlawful to report information on a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not took care of the problem I have an account with XXXX XXXX thats in good standing and they still refuse to put it on I am about to sue there pants off
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theft all of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$610.00} ; XXXX XXXX Balance : {$2100.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$860.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$6200.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX assert my rights under the FDCPA and FCRA. My privacy, protected by 15 U.S.C. 1681 ( a ) ( 4 ), has been violated without my authorization as required by 15 U.S.C. 1681b ( 2 ). My credit card, as defined in 15 U.S.C. 1602, was used without consent & no benefit. Under 15 U.S.C. 1681s, your organization must act. Equifax, XXXX, and XXXX have failed to maintain accurate data per 15 U.S.C. 1681i ( b ). Due to erroneous information and the transaction being no benefit to the consumer, I filed an identity theft report. As per 15 U.S.C. 1681c-2 ( e ), these inaccuracies must be removed within XXXX days. Unauthorized use of my credit card, violating 15 U.S.C. 1602, provides me no benefit under 15 U.S.C. 1681s. This letter urgently requests the removal of these accounts from my credit report : XXXX XXXX {$1300.00} XX/XX/XXXX XXXX  XXXX {$8100.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, My credit score dipped 22 points with all three bureaus. This is confusing because it shows this is due to a {$660.00} decrease in my credit balance with XXXX XXXX. My credit score is suppose to go up with a balance increase. Issue two is that it's indicating that XXXX XXXX removed some type of remark??? I have not seen any remark on my report dating back to two months ago when I was notified a remark was added. This goes into my last most critical concern, why did XXXX XXXX immediately remove this remark simultaneously after I paid {$700.00}. on my credit card balance. That's seems to be retaliatory. 
I need a firm understanding of the bureaus impact and XXXX XXXX sudden behavior.
Product: Debt collection

I had and still suffer from XXXX and XXXX XXXX of XXXX  which led the the hospital. Now 2 years XXXX I have a bunch of debt from these Medical bills 11 to be exact one in the amount of almost XXXX and another in the amount of almost XXXX. I have insurance and being XXXX XXXX XXXX at the time from my own doing and the hospitals I have no recollection of me singing anything, any procedures, doctors, absolutely none of that. Ive contacted the collection agency asking for the info to validate my debt and they refuse I know I must have rights when it comes to this I need a break down of these bills or them to be expunged Im trying to piece my life back together and its nearly impossible with these over my head
Product: Credit card or prepaid card

I recently discovered that I was potentially eligible for protections under the Servicemembers ' Civil Relief Act ( SCRA ) and attempted to submit documentation to that effect to the Pentagon Federal Credit Union ( PFCU ). The person to whom I spoke was not aware of the program and did not know the procedure and stated that he would submit the documentation ( my Status Report pursuant to Servicemembers Civil Relief Act ). However, their specialist, who does not appear to understand the concept of XXXX XXXX, stated that this was unacceptable as I do not have an actual end date associated my activation. I attempted to explain that I was and have been for the last 11 years, an XXXX XXXX XXXX XXXX that has never left service. <P/>She then stated that my only remedy was that I needed a letter certifying that I was on XXXX XXXX. The letter is attainable, although I have previously requested this numerous time and I feel this is becoming onerous as I have tried to do this process before with similar results where the process just drags on even though it is required by law. <P/>The documentation, which is provided and signed, by the Department of Defense - XXXX XXXX XXXX is a government document created and accessed through : XXXX XXXX XXXX. It is the most current database of DoD personnel and is used throughout the industry. I feel that as PFCU is a military-oriented credit union with numerous DoD personnel as members understands this process and it just attempting to make it more onerous for members to receive the benefits to which they are due. I appreciate any assistance with this matter. <P/>Thank you for your time.
Product: Credit reporting or other personal consumer reports

Transunion still has this fraudulent account XXXX XXXX XXXX ACCOUNT NUMBER - XXXX I have no knowledge of this account I sent in my police reports by.. they also sent you a letter with the wrong address I demand them to delete this account as XXXX and XXXX has XXXX this account they are not following the laws
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my documentation in regards to identity theft multiple times. No matter how many representatives tell me over the phone that the documents are valid and accurate, the items are still on my report. I have been mailing in and uploading documents since XX/XX/ to no avail. The reps are mean, rude, short, and just not helpful at all. Ive requested to speak to a supervisor over and over for the past 2 months. I have yet to speak to one. The reps place me on hold, come back to the phone, and say a supervisor will call me back. I have yet to receive a call back since XXXX after requesting a call back at least 6 times since then. Today is XX/XX/XXXX. These items have ruined my reputation. I had no idea these things were on my report until I was denied from an apartment complex. I have been in and out of hotels, and sleeping in my car in between. I dont know what to do anymore. Someone please help me.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
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

There is a misspelled last name showing up on my Experian credit report.. My correct last name is XXXX not ( XXXX ) I NEVER us this last name for anything and would like for it to be remove from my Experian Report.
Product: Debt collection

I did received a payday loan from them and I stop paying because of loss of employment, I called and notified XXXX but I do n't think I owe {$570.00} when I was paying on the loan when I connected them I was told it has been placed in collection and to call Plaza Services, I just was verification I owe {$570.00}.
Product: Checking or savings account

I HAVE ALWAYS TRIED TO CALL WELLS FARGO AND WORK WITH THEM WHEN IT COMES TO FEES AND OVERDRAFTS. WE ARE IN A PANDEMIC AND CONSUMERS ARE TRYING TO GET BACK ON THEIR FEET ETC ETC. HAVING OVERDRAFT PROTECTION CAN BE HELPFUL SOMETIMES, BUT A CONSUMER LIKE ME TRIES TO BE MINDFUL ABOUT HOW I USE IT ESPECIALLY BECAUSE THE FEES DO ADD UP AND WELLS FARGO IS NOT VERY FORGIVING WITH THAT. AGAIN BEING THAT WE ARE IN A PANDEMIC, IT COMES IN HANDY AND I DO NOT MIND PAYING IF I DID USE IT AND IT IS REPORTED CORRECTLY. RECENTLY THOUGH I TRAVELED OUT OF THE COUNTRY AND PRIOR, I CONTACTED WELLS FARGO BY GOING INTO ONE OF THEIR LOCATIONS IN XXXX TEXAS TO INQUIRE ABOUT PURCHASES EUROS, I WAS TOLD I HAD TO DO IT A WEEK IN ADVANCE BEFORE TRAVELLING WHICH I DID NOT KNOW, I THEN CONTACTED CUSTOMER SERVICE TO INFORM THEM I WAS TRAVELING AND TO NOTED MY ACCOUNT BECAUSE I WILL BE USING MY CARD, SHE INFORMED ME I CAN USE MY CARD BUT DID NOT INFORM ME OF THE FEES I WILL BE CHARGED. WHILE OVERSEAS I STARTED NOTICING MULTIPLE INTERNATIONAL FEES BOTH CARD TRANSACTIONS AND ATM TRANSACTIONS. WHEN I RETURNED I CONTACTED WELLS FARGO AND NOTIFIED THEM OF WHAT I WAS TOLD AND ALL THEY SAID WAS THEY WOULD LOOK INTO IT AND NEVER GOT BACK TO ME AND STILL CHARGED ME WITH FEES. WELLS FARGO ALSO CHARGED ME SEVERAL OVERDRAFT FEES 3 FOR MULTIPLE TRANSACTIONS THAT WWAS NEVER POSTED FOR A XXXX XXXX THAT WAS NEVER SENT. I ALSO CAME BACK TO MY CARD BEING USED FRAUDULENT MADE A COMPLIANT AND MY MONEY NOT REFUNDED. I HAVE DIRECT DEPOSITS FROM SEVERAL JOBS COMING TO MY ACCOUNT ABOUT EVERY WEEK, BUT I REFUSE TO PAY UNNECESSARY AND UNFAIR FEES. EVERY TIME I CALL TO DISPUTE FEES THEY ASK ME TO TUEN OFF THE OVERDRAFT PROTECTION, MEANWHILE, THEY COULD BE REASONABLE AND MINDFUL OF THE FEES THEY CHARGE CONSUMERS. WEREN'T THEY RECENTLY IN THE MEDIA FOR FRAUDULENT PRATICES? ALL AM ASKING FOR IS FOR UNDERSTANDING DURING THESE DIFFICULT TIMES AND FOR THEM TO WORK WITH ME, I USUALLY DON'T MIND PAYING THESE FEES BUT THIS TIME IT IS OUT OF HAND, ESPECIALLY SINCE I FEEL I SHOULD HAVE BEEN INFORMED OF THE INTERNATIONAL FEES AND THAT I TRAVELED WHICH INTURNED CUASD ME TO BE SHORT ON FUNDS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent my complaint Equifax about blocking or removing all the information that is erroneous and fraudulent. They failed to organize a proper investigation to confirm and validate the items and unauthorized inquiries since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance : {$9900.00} XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$620.00} XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX FXXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX, Account name : XXXX-XXXXXXXXXXXXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.