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

I attempted to contact the Legal Department of Santander and the CEO XXXX XXXX, CFO and sent in several legal documents including this Notice Requesting Documentary Evidence for XXXX XXXX XXXX that was repossessed in XXXX of XXXX without my knowledge and I have made payments and there was only a small balance left to pay the vehicle.The vehicle was taken by a third party company that I did not have any knowledge of contracting with this towing company. Towing truck company violated my rights of subrogation along with Santander the finance company. I am requesting the Accounting Records Public and Private in accordance to Generally Accepted Accounting Principles ( GAAP ). Do not send me any form of billing statements as 15 USC 44 clearly specifies Documentary Evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. Im sure that you are clearly aware of the evidence I am requesting in writing. I am allowing no more than 3 calendar days for your response.
Product: Credit reporting or other personal consumer reports

I hereby swear that this is my personal statement that the inquiries listed are fraudulent and NOT originated by me and need to be deleted from my consumer reports pursuant to 15 USC 1681c-2. Also, please update my personal information to reflect accurate information only, pursuant to 15 USC 1681e ( b ). : XXXX XXXX : DELETE Former Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE Former Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Gum Circle. DELETE Employer : XXXX of XXXX. : XXXX XXXX : DELETE Former Name : XXXX XXXX XXXX, H. DELETE Former Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. DELETE Employer : XXXX XXXX and XXXX, Account XXXX. DELETE INQUIRIES : XXXX XX/XX/XXXX, Bank XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, Factual Data XX/XX/XXXX. ADD EMPLOYER : XXXX XXXX XXXX. ADD NAME : XXXX XXXX XXXX. 
PLEASE SEE ATTACHED IDENTITY THEFT REPORT.
Product: Mortgage

My mortgage was transferred to MrCooper 3 weeks ago ( XX/XX/year> ) and I have already begun to receive marketing communications from them that I did not consent to receive. The web portal for managing the account includes various advertisements for unwanted services. I did not elect MrCooper to be my mortgage service, and I do not want them to offer me *any* services. I am concerned that in the time since my mortgage transfer, they may have *already* provided my information to third parties.

Users of MrCooper should be aware that they need to contact support directly to turn off some of the unwanted ads on the website ( they say they can not turn them all off ), and need to update their privacy preferences immediately.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 61XXXX ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting ITEMS as unconfirmed information without producing proof within the legal time range. 

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 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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$260.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Long time care credit member, paid in time no issues. Suddenly I was charged interest going back to initial time of purchase. 
I was down to {$1500.00} & was going to pay off then next month statement doubled due to back interest. I did NOT know that would happen. 
Never was told. I called and rep stated they would adjust and send new statement out. Next month still no change, I have called numerous times and sent letters even and no help by rep to help with acct so I can leave in good standing, no response by my letters. Its almost 30 % interest, I cant even get my bill down for no one helps, this company is the worst ever. I cant even pay off with another card due to they dont allow it which makes sense for them for they are making a killing off of not being able to let members do so. I want to keep my credit in good standing but no one helps. What can I do, Im so lost and no assistance anywhere with this company.
Product: Money transfer, virtual currency, or money service

# XXXX closed # XXXX closed by myself Here are the tracking # 's from both " XXXX to Bank of America '' and `` from Bank of America to my XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX 

Since XXXX XXXX XXXX there has been a discrepancy between the amount I receive and the amount my husband receives on our XXXX, yet we are both supposed to get the same amount from XXXX. Both our XXXX XXXX show the amount is the same for both of us, therefore, the problem lies with the Bank of America and needs to be corrected. 

As you can see from my documentation, this has been happening from the beginning of XX/XX/2022 up to current day. Our checks are deposited on the same day. The column showing XXXX is what I receive and the column showing XXXX is what my husband receives and the final column is the difference between our deposits. These numbers should be the same!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
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 card

This is a complaint against the department prevensin fraud credit card Costco, the reason for this is the lack of respect towards me and discrimination, for no reason have blocked my credit card and to check if I am the owner of the card. I have been asked a number of papers that have no problem in supply and in fact send by fax, and have called multiple times to see if it was reviewed your request, and just tell me XXXX we have not received anything yet. that brazenly tell me in my face liar. In view only tease me saying that you have not RECEIVED nothing and that in such case they how many days it takes not to receive and review them, reason that makes me go to this department to provide a complain to expedite this as pc they are a serious department. This is disrespectful because I met the card payments and have paid more in one month and I do not even want to increase the credit limit I have with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. 

I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/2021 Account status : Open Status updated : XX/XX/2021 Account type : Credit Card Payment status : Current Balance : {$7900.00} Balance updated : XX/XX/2021 Credit limit : {$9000.00} Usage : 87 % Monthly payment : {$100.00} Highest balance : {$9600.00} Terms : Revolving Responsibility : Authorized User
Product: Credit card or prepaid card

My complaint is against Capital One 's failure to resolve my account dispute in a fair and timely manner. 
I was clearly a victim of fraud that is potentially costing me over {$22000.00} This was an inheritance scam. A " friend '' had allegedly inherited some {$20.00} XXXX dollars. The amount was deposited into an account in the XXXX XXXXXXXX XXXX. I have a confirmation letter and will be happy to produce it on request. The money could not be released to her without the payment of attorney fees and bank fees. She did not have money for the fees so offered me a substantial part of the inheritance for helping her get the necessary money. The plan was that her " Banker '' friend would send money to me by making payments on my Capital One account. I would then send the funds to her by means of electronic money transfers or purchasing and mailing very desirable good that could be sold at a high profit, such as cell phones. 
Several such account payments were made to my account throughout the late summer and fall of XX/XX/XXXX but within a few days of them being credited to my account, Capital One would return the payments as " unauthorized '' and debit my account for any money spent before the payment was returned. At no point did Capital One issue any warning or express any concern over what I thought was a legitimate deal. I actually called and inquired about the returned payments in hopes of clearing up any problems that were experienced. I was told by Capital One that I should talk to the bank that was sending the money. Within days I received a letter from Capital One, dated XX/XX/XXXX that said my account had bee closed and that I owed a balance of {$21000.00}. The bill had included {$7500.00} for purchases after the first third-party payment was made to my account, {$1000.00} added after Capital One had increased my credit without my request or even consent and {$14000.00} for the returned payments. 
Capital One had been approving payments from my account virtually 3 times my credit limit! I called Capital One about the account. They had sent me nothing but a statement. I contacted my attorney and he immediately indicated that this was a common scam or fraud and that I should not be held accountable. I notified Capital One by e-mail and explained the general nature of the fraud and asked them to investigate. This was on or about mid XX/XX/XXXX. I had heard nothing from Capital One for two months, not eve a response to my attorneys letter. I phoned Capital One on XX/XX/XXXX and inquired about the progress of the investigation. I spoke to a lady in the Fraud department who told me that nobody wanted to touch it. After some minutes I was told that the investigation would be conduction by one of their most experienced investigators and it was hoped it would be concluded that night. It is XX/XX/XXXX and I still have not heard form Capital One. That is over 60 days since my phone discussion and about 6 months since I asked for an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

*USING EOSCAR IS NOT A COMPLETE AND ACCURATE FORM OF VERIFICATION. DO NOT USE!!!

XXXX XXXX UNVERIFIED ACCOUNT
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report, I found that LVNV FUNDING obtain my information under false pretense and used it to cause actual damages to my credibility. To optain and use someone information without their consent is " IDENTITY THEFT ''. I am asking LVNV FUNDING to provide me a copy of a contract that I XXXX XXXX give them permissible purpose to obtain and used my information.
Product: Debt collection

XXXX  is reporting a debt in collections by the bureau since 2010. 
I did not owe this amount as it was billed for work I did not agree too. 
I have explained this to XXXX  XXXX XXXX and XXXX  and XXXX   is the only reporting agency that wont remove this item from my file. 
It was never an authorized charge. 
It should be removed from my credit report.
Product: Credit card

I first communicated with Citi Bank N.A. on XX/XX/XXXX when I was denied for the XXXX XXXX XXXX Account. I call and they said that they'll call back and they have yet to respond. I mailed XXXX letter already to the XXXX XXXX XXXXXXXX but haven't gotten an answer. As the original cardholder and holder in due course, I exercised my right to initiate a consumer credit transactions with Citi Bank N.A. to open a credit account. According to federal law ( 15 USC Section 1602 ), a " credit card '' includes any device used to obtain credit, which I have granted your corporation. I am well aware of my rights as a consumer, and credit is a right granted by me, the creditor ( 15 USC Section 1602 ( f ) ). They denied my application, my right to extend credit, and discriminated against me. Additionally, reporting to consumer reporting agencies is voluntary, and I did not receive proper information to opt out. Additionally, I have not received any benefits from the use of my credit. The denial of my right to extend credit has caused me severe financial, discrimination, emotional, and mental distress. Also, I was deprived from my disclosure rights not to allow my personal information to be shared with the public and with 3rd party credit reporting agencies. The only credit bureau that exist is the CFPB. There are no federal laws that empower a credit score, missing credit bureau information, age of account, or the bank to deny me my right to extend credit ( 15 USC Section 1691 ). Discrimination against an applicant in a credit transaction is unlawful ( 15 USC Section 1691 ). Lastly, by federal law 12 USC 83, Loans by bank on its own stock : ( a ) General prohibition : No national bank shall make any loan or discount on the security of the shares of its own capital stock. XXXX XXXX clearly states it is illegal for a bank to loan me someone else and their money. So how can they deny my application when they are not putting up anything and I am the one putting everything up and paying the finance fees?
Product: Credit reporting or other personal consumer reports

I received an alert from a consumer reporting agency that a new account was added to my consumer credit report, reported XX/XX/XXXXXXXX XXXX XXXX  from NCB Management Services. A subsequent alert was sent on XX/XX/XXXX that a delinquency account was added as well from NCB Management Services. The alert on XX/XX/XXXX shows NCB Management Services as the original creditor with an open balance of {$4400.00} that was opened XX/XX/XXXX ( XXXX XXXX XXXX ) ago. The alert on XX/XX/XXXX shows, Other collection agencies with an amount delinquent amount of {$4400.00} from a creditor NCB Management Services. I have never had nor opened an account with NCB Management Services, who claims to be the original creditor of an alleged account.
Product: Credit card or prepaid card

I purchased an item via XXXX and paid through XXXX which is linked and paid via my American Express card. I received an item that was fake - counterfeit. I opened a dispute with American Express. Simultaneously I alerted XXXX that the item was counterfeit. XXXX sent me a prepaid label to send the item back and assured I would be issued a refund. American Express assured I would be issued a refund also when I sent the item back. I sent the item, confirmed it was received back and was told a refund would be issued XX/XX/18. Two days later, I was told by XXXX they can not issue a refund because American Express is handling the issue. I have spent countless hours trying to followup with American Express including their Executive Relations area and continue to be told the case is on hold, they haven't heard back from XXXX -- which is false as I confirmed XXXX followed up with them. I have sent them proof the item has been returned back, and they are still not issuing the refund of {$510.00}. It has now been well over 6 weeks with no resolution.
Product: Checking or savings account

I paid {$1000.00} via Zelle to a puppy scam. I did not know it was a scam as I was in constant contact with the seller who assured me that they were ligit. After paying {$1400.00} for puppy, XXXX XXXX XXXX XXXX XXXX XXXX Nanny, I never received the puppy. 
I did file a complaint with XXXX XXXX ( my bank ), but they are not able to reimburse me as they said it was a fair trade. 
I am hurt, because not only am I out of a puppy, but i am out of {$1400.00}. I did contact the XXXX XXXX XXXX and they did publish XXXX XXXX XXXX reached out to me and did a story. This was published in the city where the " so called '' scammers listed their address. 
I have email addresses/phone numbers, etc if needed. I want these people prosecuted to the fullest extent of the law. Stealing is a CRIME! 

XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Experian credit report and found inquiries that are not mine. Inquiries are attached with required documents.
Product: Debt collection

Credit Bureau : XXXX XXXX : Jomax RecoveryThis is a collection that was opened in my name on XXXX/XXXX/2015 that was not authorized by me. I do not find it to be legal to open an account using my social security number to collect a debt. Furthermore this debt should not exist AT ALL. This appears to be a bond that was purchased in the event a bill was not able to be paid. If that were to occur, the bond would cover the bill. The original company appears to be XXXX XXXX XXXX XXXX which is showing on my XXXX credit report. I do not believe the debt collection is valid if the original creditor is attempting to collect on the same debt. Just because Jomax Recovery may have purchased my information does not give them the right to open an account in my name which is now reflecting on my credit report. I need LEGAL proof that they are representing the debt in which they are attempting to collect. Even still, it is also not legal for XXXX companies to collect on the same debt at the same time.
Product: Debt collection

Santander USA has violated Public Law as coded in 15 USC 1692 et al and not given consent to contact me, distribute my personal information or misrepresent themselves as a creditor. This will serve as " NOTICE TO ENFORCE UNITED STATES LAW/FEDERAL LAW '' and demand for removal from my credit report. In addition to this, Identity theft has also been committed by Santander. This company attempted to sell my personal property without my consent, to another 3rd party, which also constitutes " identity theft '' and possible mail fraud.
Product: Debt collection

IVE BEEN A VICTIM OF IDENTITY THEFT, SOMEONE USED MY INFORMATION TO OPEN FRAUDULENT CREDTI CARDS AND UTILITY BILLS THESE ACCOUNTS ARE LISTED BELOW 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 card

As of XX/XX/2024, from what I see, my {$49.00} XXXX posted & CLEARED payment to my Milestone MasterCard- has still NOT been CREDITED towards the available credit limit by Concora Credit & they must be forced to SHOW & PROVE - if they did ALLEGEDLY credit that payment around XX/XX/XXXX XXXX Moreover, it is NONSENSICAL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for Concora Credit & ANY & ALL OTHER of these DELIBERATELY DISCRIMINATING- BRAINWASHED Credit Card companies to WITHHOLD my Checking ACCT payments for up to 14 days. Therefore, I really & truly do now feel convinced that some XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX must have actually TOLD, manipulated, PAID OFF & or coerced these Credit Card Companies to UNLAWFULLY WITHHOLD MY already CLEARED PAYMENTS -- in a UNCONSTITUTIONAL attempt to further HINDER, HARASS, " XXXX '', SABOTAGE & DISCRIMINATE, etc, I -- - ( due to my " leftist litigiousness & abilities to FILE LAWSUITS & APPEALS against UNLAWFUL GOVT- & POLICE ACTORS.