23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

This is my second complaint, regarding this issue. A consumer Ligation attorney has advised me create this paper trail between myself and the Santander USA. The response letter you sent shows you wholly responsible for not reporting my account accurately to the Credit Bureaus. If you do not fix this issue, My next step will be litigation. 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Florida XXXX The Complaint Department. Consumer Financial Protection Department I opened a Car Loan account with Santander Consumer USA in XX/XX/XXXX. I have made ontime payments since then, see documents attached. I notice on XX/XX/XXXX that Santander had completely taken off the account from my XXXX Credit Report, i have spent the last 3 weeks trying to resolve this issue with Santander. This has impacted my credit score. I need this Santander to report this account to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX  XXXX  XXXXBalance $ XXXXDate Opened : XX/XX/2013 XXXX  XXXX  XXXXBalance $ 4,265.00-Date Opened : XX/XX/2013
Product: Credit reporting, credit repair services, or other personal consumer reports

In touch credit union damaged my credit report by adding eternal insurance that I was not aware of till I seen it on my credit report they raised my payments from {$950.00} to {$1200.00} with out notifying me first about the adjustment they claim they sent the letter to XXXX XXXX XXXX XXXX but my address starts with XXXX this is an error on thier part and because of that error in witch they refuse to fix and reverse the charge of {$7500.00} off for them purchasing the external insurance in witch by the way I had insurance on the loan the whole time through XXXX  they refuse to remove the {$7500.00} for that insurance with made my payments go up and make me struggle to get it and their change happened during the pandemic I had in touch credit union on the phone with my insurance company to prove to them I had insurance the whole time after detting off the phone with XXXX in touch still refused to change my credit and reverse the charge I made several calls to them even challenged the information through the credit reports still they refuse stating all what they say is true
Product: Checking or savings account

To whom it may concern, The bank has been using horrible accounting practices in an effort to extract overdraft fees from our accounts for awhile. I have complained many times about these same issues through your agency and to the bank many times. This is a game that Chase is playing intentionally to extract fees from people. Lets start with a transaction at jewel on XX/XX/2021 where chase charged two overdraft fees for the same transaction. 

The we move to their next practice which is to back date a transaction which is what they did with a automatic withdrawal XXXX which that backdated to the XX/XX/2021 when the actual withdrawal to give the impression that the transaction occurred during the low funds period. This is a practice the employ often, that being changing the dates of original transactions for the purpose of extracting fees. This action resulted in XXXX dollars in fees being charged that they were not entitled to, Chase has also employed another tactic that's completely insane and refuses to stop. 

This practice is one where they literally change times of bank operation procedure in and effort to extract more fees. Here 's how it goes I live in the Central standard time zone, when I opened my accounts they were based on the central standard time zone. Without warning they changed my hours of service to a time based on the eastern standard time zone. Which I was charged overdraft fees because it went from XXXX being next day to XXXX. After arguing with the bank about this we simply started basing on the eastern standard time zone even though I can't access my bank on that time period. 

When they realized they couldn't extract any more fees that way they then moved the time zone to an hour earlier than the eastern standard time zone somewhere out in the Atlantic Ocean. When we complained about this they would only replace the money some of the time and then other times they would stated they changed for us before and can't do it again. Chase is using clearly illegal tactics to steal money from peoples accounts. Please assist me with these problems, thank you very much. Any further documentation can be provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance {$650.00} XXXX XXXX  XXXX Balance {$590.00} XXXX XXXX XXXX XXXXXXXX Balance {$110.00} XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX  Balance : XXXX
Product: Credit card

I got an email from XXXX ( my bank ) notifying me that there was a hard inquiry on my account from Capital One because someone ( who is not me ) applied for a Capital One credit card. I contacted the XXXX and XXXX and Capital One. I was not able to get ahold of XXXX. Capital One said that they marked the activity as fraud and that it would be taken off my account within the next 60 to 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 
1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 
9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), XXXX OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 
13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 
14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 
15. Provide verification from the stated creditor that you are authorized to act for them. 
16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been informed that there is negative information reported by CHEXSYSTEM in the file you maintain under my Social Security number. Upon reviewing a copy of my consumer report, I see an entry listing XXXX XXXX  XXXX such as my account was charged off {$300.00} in XX/XX/XXXX ( ACCOUNT ABUSE ) I challenge the accuracy, compliance and reportability of this listing. 

I submit my first complaint to CHEXSYSTEM on XX/XX/XXXX via chexsystem online portal and they fail to provide any validation for the above account that belongs to me. I submit a second complain via USPS on XX/XX/XXXX and chexsystems failed to respond until now XX/XX/XXXX. 

I was denied two ( 2 XXXX times for a bank account in the past 6 months due for CHEXSYSTEM reporting false and inaccurate information to financial institutions. 

I have attached a POLICE REPORT and notarized FTC Identity Theft Victim 's Complaint and Affidavit. 

Failure to respond satisfactorily within 15 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the information in my file. These items are inaccurate because it reports a balance due, even though I do not owe a balance on this report due to me having a 1099C. As you know, when a 1099C is furnished, a XXXX balance is to be reported. I am requesting that the items be DELETED to correct the information. Enclosed are copies of an IRS form 1099-C received from XXXX, which states that the balance was forgiven, supporting my position. I have called and disputed several times via certified mail and get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts reporting inaccurately. I have disputed and reach out to all several times and they say the same thing over and over. Please reinvestigate these matters and delete the disputed items as soon as possible. The accounts referenced are : XXXX XXXX  XXXX XXXX XXXX  XXXX
Product: Checking or savings account

have been using PayPal to receive payments for my online business and also paid some of my staff using same platform.

all was fine until i get notified that my account has been permanently limited.

I immediately contacted the executive office and was told that one of the accounts I used to make payments to and they linked to me had a limitation hence why i was also banned I feel this was not fair on my part as I can not have control over how other people use their PayPal accounts I just really want my account back. 
I have a XXXX family friend who is now a client who is buying bulk clothing from me, shes been placing a lot of orders. Ive been withdrawing her payments, but they dont let me so I think I triggered the PayPal system by trying multiple times.

I cant log into my email as of now, Ill try in an hour.

Website is www.lavaracollection.com Its currently on pause until I bring my new stock, I made PayPal aware I am waiting to order new stock from XXXX. 
XXXXXXXX XXXX XXXX  which is how I mainly find new clients.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries, and I've asked them to be removed, but the bureaus did not do anything. Please remove the credit inquiries because they are inaccurate and not mine. Thank you. 
These were not authorized. 

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
Product: Student loan

I have private loans and government loans with my private loans they help me out and getting a lower payment rate so I am able to pay them which I have been on top of them since I started with Navien it they have never been able to work with me in regards to my repayment after I let them know how many student loans I have had I 've offered to pay but at a lower cost just because the interest rate and the amount I owe has been so difficult for me financially with family and they are not able to help me in any certain way every time you call they see if there are no options and that 's the only thing we can do I always offered to pay just a lower rate just so I 'm able to pay something versus pay nothing and they adamantly say no.
Product: Credit card or prepaid card

1. On XX/XX/XXXX Barclay card charged my credit card an annual fee of {$89.00} 2. Shortly thereafter I called to close the account, and was told that I would receive the annual fee as a refund, but this never happened. 
3. On XX/XX/XXXX XXXX XXXX at XXXX XXXX refunded a room deposit for a reservation I canceled due to CoronaVirus for the amount of {$790.00}, which they refunded to this same closed Barclay credit card account. 
4. Since then I have sent countless emails and made countless attempts to contact them to get these amount refunded to me, however, I can not get through and they do not return my emails. While typing this email to you, I am currently on hold with their automated system, and the timer is showing one hour and ten minutes. 
5. Since they have refused to return my emails and since there is no way for me to contact them, I need help to get both the {$89.00} annual fee and the credit balance of {$790.00} returned to me. 
Needless to say, I am shocked at such behavior with by a major bank, particularly as it relates to XXXX XXXX such as myself who are already suffering enough due to the current environment. They should really be ashamed of themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance what the fair credit reporting act XXXX Account wow services has violated my rights15 u.s.c 1681 section 602 A States I have the rights to privacy 15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting can not fumish a Account without my written instructions n accordance what the fair credit reporting act XXXX Account XXXX has violated my rights 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 : its also says a consumer reporting agency Can not furmish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my credit report. I am a natural person and a living individual, entitled to rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681. It has come to my attention that XXXX, XXXX and Equifax are governed by this statute, has violated my rights multiple times. 
The account in question is : XXXX XXXX XXXX Account # XXXX This account is not mine, and the creditor has failed to verify it as belonging to me. I sent a letter requesting validation of this debt on XX/XX/year>. To date, XXXX XXXX  has not provided a response or the original contract with my original signature. This lack of response is a clear violation of my rights under the FCRA. 
According to 15 U.S.C. 1681, I have the right to privacy. I did not provide XXXX, Equifax, and XXXX with written permission to furnish this account, and therefore, they have no right to report it. Furthermore, XXXX, Equifax, and XXXX are falsely reporting a charge-off associated with this account, which is entirely inaccurate. The information provided by XXXX. Equifax, and XXXX is both false and misleading. 
By reporting this false information, XXXX Equifax, and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Additionally, XXXXXXXX XXXX  , as the data furnisher, has also violated my rights under 15 U.S.C. 1681s-2 ( A ) ( 1 ), which prohibits furnishing information if they know or have reasonable cause to believe the information is inaccurate. 
I demand that the erroneous information be removed from my credit report immediately, as required by law. Please provide written confirmation that these items have been deleted or, if you decide to verify them, provide the name, address, and telephone number of the party that verified the information. 
Thank you for your prompt attention to this matter.
Product: Credit reporting

I dont know where this XXXX bill is coming from I have never had XXXX.
Product: Debt collection

In XXXX CDI Affiliated Services submitted to XXXX XXXX XXXX  a collection account for XXXX XXXX XXXXXXXX XXXX the amount of {$5700.00} for legal fees, bogus charges and rent ( that was paid ). I went to CDI 's website In XX/XX/year> and filed a dispute and provided documentation ( court orders and rent receipts from XXXX XXXX XXXX ) showing I did not owe this and demanding they remove it from collections and remove from XXXX and XXXX. I got no response at all from CDI. In XXXX XXXX XXXX XXXX I disputed on CDI 'S website and filed disputes with XXXX and XXXX. No response from CDI again. XXXX XXXX XXXXXXXX. Dispute resulted in no change finding in favor of CDI. I called CDI the beginning of XXXX XXXX as I still had no response from them. Asked them why they had not responded to my disputes, they said they would look into it. A couple weeks later I was notified that they were not removing the collection or reports and for me to pay what I owed or it would continue ruining my credit and legal action would be taken to collect. I called and asked if they verified the court orders dismissing the case and ordering The XXXX XXXX to cover their own legal fees and expenses and my rent receipts and the told me I owed it, pay it, or else. I have spent the last year disputing this with no success. No one has properly investigated nor provided any proof of investigations. I have provided valid proof I do not owe this and they refuse to remove it.
Product: Credit reporting or other personal consumer reports

Hello I recently look to my credit report and i am a victim of identity theft, i found on my credit report the fraudulent account, that i want to dispute. The fraudulent account ruined all my credit score. 
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

This is a business credit card. It should not be reporting to my personal credit report. I have requested they stop reporting business debt onto my personal credit, which is impacting my scores and hurting my chances to obtain other financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every last time I try and contact Experian to allow a company to do a credit check while I have a credit freeze I am unable to remove the restriction. 
The company has a completely feckless phone number that led me in endless loops no less than XXXX times. 
They say I must do by mail or website but I have no idea what account Id I have. I am not okay with a company that weilds so much power that I have to put a freeze on because they ruined and abused their power before. But then when I want access, they have made it so hard that I am giving up. 
This is exactly why these companies should not be allowed to exist. They control everything and serve no one but their self.
Product: Debt collection

Received letter from First National Collection Bureau Inc I sent letter as i do not owe them anything. They claim to have purchase third party debt from XXXX.
Product: Debt collection

XXXX XXXX has called almost every day for several months stating I owe them XXXX that they bought from XXXX  XXXX. XXXX XXXX charged it off, I claimed it as additional income on my tax return per the law. I have never signed any agreement with them asking for their financial help. They tried to take me to court back on XX/XX/2017 but the attorney they hired asked the court for a voluntary dismissal. They still harass me on the phone even though I tell them I don't owe them as they have no written agreement with me as a client. This has hurt my credit rating and is against my 13th amendment under involuntary servitude.
Product: Mortgage

On XX/XX/2021 Wells Fargo charged my credit card {$560.00} to do an appraisal on my home which was not supposed to be done unless I was approved. I was told by the representative at the bank XXXX that I would receive a refund if they could not do my loan. 
To date I have not reveived a loan or a refund. 

I have asked at least 5 different times for a copy of the appraisal which they refuse to send to me. 

I am requesting a full refund of the money they took to do an appraisal without doing the loan.
Product: Mortgage

Last month, I submitted a complaint under case number XXXX. I had been dealing with Ditech for 6 months to get my escrow account updated with the correct tax amounts. They stated that the issue had been resolved and I got a new mortgage amount. This " resolution '' lasted one month. I just received a statement that my mortgage and tax amounts have gone back up. This incorrectly adds {$200.00} to my payment.
Product: Credit reporting or other personal consumer reports

I noticed an inquiry from your company that I don't recognize. Please send me all info you have and the reasoning for this credit pull
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check this account ( A ). It is unacceptable to list tthis account as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the this erroneous information on my credit report : XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I called XXXX and XXXX  about inquiries on my credit report that I did not make. They informed me to call the companies and speak with them to see if an account was opened and to ask them to remove the inquiry. Speaking with the companies they informed me that nothing was purchased but the only way I could get these inquiries I DID NOT MAKE removed was if this report was made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX