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

I am writing to you as a loyal and longstanding client of Santander since XX/XX/year>. I have strived to maintain an excellent payment history, always ensuring that my mortgage payments were made on time without any issues. It has been a privilege to be a part of the Santander family, and I highly value the professional and reliable service you have provided. I am writing to bring to your attention an unfortunate incident that occurred in XXXX, which has resulted in a late payment on my account XXXX. This occurrence was entirely unintended and stems from a billing error with my credit card merchant. Despite my diligent efforts to prevent any issues, the error led to a delay in processing my payment for the month of XXXX and XX/XX/year>. I fully understand and acknowledge that timely payments are crucial, not only to maintain a positive credit history but also to honor the terms of our agreement. The recent late payment has had a negative impact on my XXXX XXXX, and I am genuinely concerned about its implications for my financial well-being. Given my history of prompt payments and my commitment to rectifying this situation, I kindly request that Santander consider granting a goodwill adjustment. This adjustment would involve the removal of the late payment notation from my credit report. I understand that Santander has the discretion to make such adjustments in cases where clients have demonstrated a history of responsible payment behavior, and I sincerely hope that my past record with your institution will be taken into consideration. I assure you that I have taken corrective measures to ensure that such a situation does not occur in the future. I have reviewed and updated my payment methods to prevent any recurrence of billing errors. My commitment to maintaining an impeccable payment record with your company remains steadfast. I kindly request that you review my account history and, if possible, grant this goodwill adjustment. Doing so would greatly assist in alleviating the adverse effects of this late payment on my credit report and financial stability. I appreciate your attention to this matter and your dedication to customer satisfaction. Thank you for your time and understanding. I look forward to your positive response.
Product: Credit reporting or other personal consumer reports

Request for Removal of " XXXX XXXX XXXX '' Account Under 15 U.S.C. 1681s-1 FCRA 605B ( 15 U.S.C. 1681c-2 ) In accordance with 15 U.S.C. 1681s-1, I XXXX XXXX XXXX requesting the immediate removal or blocking of the " XXXX XXXX XXXX / OFFICE OF THE ATTY GEN '' Account # ( XXXX ) from my XXXX, XXXX, and Equifax credit reports. Under federal law, consumer reporting agencies are obligated to report overdue child support obligations only if the following conditions are met : The information is : ( A ) Submitted by a state or local child support enforcement agency ; or ( B ) Verified by a local, state, or federal government agency. 

The overdue child support must not predate the report by more than 7 years. 
The " XXXX XXXX XXXX / OFFICE OF THE ATTY GEN '' account on my credit reports does not meet these criteria, and I, therefore, demand its removal or blockage in compliance with the law. Please confirm that this account has been removed from all three credit bureausXXXX, XXXX, and Equifaxwithin the legally prescribed time frame.
Product: Checking or savings account

Company terminated my services XX/XX/2022 says I have to wait 60 days for my funds being held in the amount of {$13000.00} and I have not received my funds as of today XX/XX/2022 I feel as if someone has stolen my money & no one at my loacal branch has help me with account beside saying they are going to close my account, When I walk in branch I also feel as discrimination. XXXX XXXX XXXX XXXX.
Product: Checking or savings account

I live in XXXX and have a checking and savings account with Alliant Credit Union located in XXXX 

Even though XXXX  is a XXXX XXXX, Alliant has allowed a collection agency in XXXX to levy my bank account. I have been advised that they should not have allowed this per XXXX XXXXXXXX ( a ). 

I would greatly appreciate assistance with this issue. 

Thank you!
Product: Credit card or prepaid card

I have a Chase Sapphire Preferred Credit Card. This month of XX/XX/XXXX, I was charged {$100.00} for interest and on the XX/XX/XXXX I owe {$150.00} for my minimun payment. This is unreasonable. These charges are too high and they keep increasing every month with no notice.
Product: Credit reporting, credit repair services, 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 these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$480.00}, XXXX XXXX Balance : {$300000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway Company or Organization : XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered XXXX Total fraudulent amount : {$3500.00} Company or Organization : XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered XXXX Total fraudulent amount : XXXX Company or Organization : XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered XXXX Total fraudulent amount : {$440.00} Company or Organization : XXXX XXXX XXXX Date fraud began XXXX XX/XX/XXXX XXXX that I discovered it : XX/XX/XXXX Total fraudulent amount : {$540.00} Company or Organization : XXXX XXXX XXXX Date fraud began XXXX XX/XX/XXXX XXXX that I discovered it : XX/XX/XXXX Total fraudulent amount : {$1500.00} Company or Organization : XXXX XXXX XXXX  Date fraud began XXXX XX/XX/XXXX XXXX that I discovered XXXX Total fraudulent amount : {$1100.00} To further support my claim, I have attached documentation including : the police report from the identity theft complaint, also my Driver license to verify identity Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 

SINCERELY XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I registered a complaint but it is not listed. 

XXXX is the complaint ID
Product: Vehicle loan or lease

The loan was paid off by XXXX on XXXX XXXX to Wells Fargo..I then, went to the dealership ( XXXX XXXX to cancel the maintenance and Gap Insurance, that was covered with XXXX XXXX Claim XXXX XXXX and the Maintenance Claim # XXXX, both paid to XXXX XXXX XXXX in XXXX, Fl XXXX XXXX issued a refund check only in the amount of {$810.00} for the maintenance, and informed me that, the Gap was held by Wells Fargo. I've called Wells Fargo on several occassions requesting my Gap refund and they telling me that they have a right to withhold my refund for a 120 days, and that shouldn't be, when the loan have been paid in full.. I have sold several vehicles or, for some other reasons I had to cancel Gap, the maxium days I had to wait, was a total of 4 to 6 weeks for my return..A couple came early.. First off XXXX XXXX have refunded me all my money instead of forwarding the Gap to Wells Fargo ..They are rudely when speaking to them, especially when you don't owe them anything, and I want money..Listed above are the companies involved.. WellsFargo XXXX. Last 4 on account # XXXX XXXX XXXX. XXXX XXXX XXXX ( Again my name is XXXX XXXX and this is for a XXXX  XXXX XXXX ending in XXXX..Please resolve this matter with Wells Fargo, because the representative told me there was noboby that I can make a complaint to about their unprofessional services..Thank You and have A great Day
Product: Debt collection

I received notice of the debt from my credit report and when I contacted the agency, I was told they could not provide me with am itemized statement of the debt or proof of me signing a HIPAA form allowing my information to be transferred to them - a third party company.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX  XXXX Account Number : XXXX, and so on.
Product: Debt collection

After a detailed inspection of my recent credit report, I noticed multiple accounts that appear to be incorrect and were added without my authorization.
Product: Money transfer, virtual currency, or money service

I am filing a complaint Against CashApp ( Block , Inc ) due to inadequate customer service an unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Payday loan, title loan, personal loan, or advance loan

Over the phone conversation and agreement, turns out to be higher Apr interest rate and payback is XXXX than loan amount, if knowing I had to payback XXXX just to get a loan for XXXX, I would have never bothered, felt scammed. The company is Birch Lending
Product: Credit reporting or other personal consumer reports

The following companies said I applied for credit and I have not and its ( fraud. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Ive called citizens bank hundreds of times for the fraudulent transactions on my account and no response nor has the charges been removed.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXXXXXX XX/XX/year>XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint due to no response from the creditors after previous request for investigation and validation. This issue is stressing me out, adding to the pressure that this pandemic is already has in me. The following accounts I am listing here XXXX XXXX XXXX, NC FINANCIAL XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX
Product: Checking or savings account

I was a member of the Wells Fargo bank in XXXX ms about 8 months ago and todays date is XX/XX/XXXX at XXXX I think it was around this time when I first got the memo from them Ill enclose my case number later on in this reference anyway I had both a checking and a savings account at Wells Fargo in XXXX ms its located on the XXXXXXXX XXXX XXXX XXXX XXXX  Ive never received any funds in either accounts that wasnt from social security and this money was for my children I have two disabled children a legal from the XXXX had been taken out on me however they was able to take my kids money out of one of these accounts I had switched the funds from ny checking account yo my savings account that morning bc they was hitting me with all those overdraft fees so thru say the reason the XXXX was able to garnish those funds was bc they werent protected funds once I moved them from my checking to my savings account and the balance hadn't changed one social security sent them thus is my banking establishment that knew I was getting funds in those accounts for my children from social security no other money nothing for myself I had an order on me from XXXX not my children so I contacted them then I contacted the department of revenue then I filed a claim through XXXX XXXX and then they set me up with ghe XXXX  by way of the XXXX I didnt understand much going forward however they said the case had been closed and I should file in small claims court and Wells Fargo has closed my account I just found. that out XX/XX/XXXX Im giving you the case number Case Number : XXXX now if you need anything else after that please contact me via email thank you in advance XXXX XXXX
Product: Credit reporting 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 : SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 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.
Product: Credit reporting or other personal consumer reports

I will not accept your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. I have previously submitted all necessary documents. Who granted you the authority to determine what constitutes a material fact? You are not a judge, a jury, or in any position to make such judgments. You have absolutely no right. 

The Federal Trade Commission ( FTC ) clearly states that when you receive an FTC identity theft report filed with a law enforcement agency, your obligation is to comply with the law. 


XXXX XXXX XXXX, XXXX - XXXX XXXX  XXXX and XXXX XXXXXXXX XXXX  XXXX. 

This is your final opportunity to handle my identity theft request properly, or I will pursue legal action in a courtroom where you will be held accountable for the damage caused to my reputation, credit, and emotional well-being due to this matter. Your negligence regarding material facts will be glaringly evident, and you will be required to compensate me for your recklessness.
Product: Credit reporting or other personal consumer reports

XXXX/Opploans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX This complaint is regarding account # XXXX with XXXX/Opploans, which claims that I owe {$3700.00}, and account has been closed and charged off on XXXX. The company reported inaccuracies of the unknown condition in my credit file. Please terminate collection efforts on the debt and request the credit bureaus delete the tradeline for those inaccuracies per 15 USC 1681 ( a ). 
This is also formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from this company or any company that they represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if they can not validate the debt, they must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that they submit, they are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against the company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). They are also in violation of the Privacy Act of 1974. Per FCRA, I am Federally a consumer and I am OPTING OUT of all authorizations, I the consumer have given them written, unwritten, verbal, nonverbal according to 15 USC 6802. My request is that the credit reporting bureaus remove from my credit file immediately. 
Please Note : This notice is an attempt to correct the records, and any information received from them will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.