23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Sir/Madam, We are senior citizens owning a home with a mortgage from Santander Bank. We are paying our mortgage installment from our checking account we had with them. We authorized them to take money on XXXX of every month and they are doing so for past 10 or more years.

Of late Santander Bank is using dubious methods to CHEAT ITS CUSTOMERS. For example they charged us XXXX as late fees in paying our XXXX installment. as you know XXXX of XXXX is a Bank holiday and they took out money on XXXX XXXX and it seems it is our fault for the Bank not taking the money out! 
ONE MORE SURPRISE AND DUBIOUS THING. THEY SEND OUR OUR MONTHLY MORTGAGE STATEMENT EVERY MONTH. MY XXXX MORTGAGE IS NOT SHOWING ANY OF THIS DUBIOUS LATE PAYMENT PENALTY. WE COULD ONLY SEE IT WHEN WE WENT TO OUR MORTGAGE HISTORY IN THEIR WEBSITE. 

we want to know and we are requesting Consumer Finance Protection Bureau to launch an inquiry about ... how many more customers are cheated in this way. If they really cheat make them pay a big penalty. 

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX E-mail : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX Subject : Dispute of Unauthorized Hard Inquiries on Credit Report To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. These inquiries are listed below on XXXX, XXXX, and Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recognize these inquiries, and I believe they are the result of identity theft. I did not authorize anyone to inquire into my credit on these dates. These inquiries are suspicious and potentially fraudulent, as I have not applied for credit with these institutions or authorized any transactions with them. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unauthorized information on my credit report. These unauthorized inquiries could adversely affect my credit score and financial standing. 
I request that you investigate these inquiries promptly and remove them from my credit report as they are unauthorized and potentially fraudulent. Please provide me with a written explanation of your investigation results and any actions taken. 
Enclosed are copies of my identification documents and any other relevant information to support my dispute. Please contact me at the above phone number or email address to confirm receipt of this dispute letter and provide updates on your investigation. 
Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2024 the attached was submitted. I supplied information that the ACH payroll did not go into the authorized account, Chase Bank reinstated the denied claim # XXXX and refused to give provisional credit according to Regulation E, also known as Reg E, which is part of the Electronic Fund Transfer Act ( EFTA ). 

My original emessage to Chase Bank was the following : " Hello I am suppose to be getting a message or call in regards to missing ACH payroll to the account ending in XXXX. I have attached a ledger and notice from XXXX XXXX the recipient that shows the funds did not arrive in the assigned account and that the account was closed. I also attached pictures showing that the ACH payment was still being processed after closing the XXXX XXXX account on XX/XX/2024. I was informed that any ACH directed to a closed account would automatically be returned by Chase representative, However, the XXXX ACH payment did not and I asked for a provisional credit while this is resolved as it is creating a hardship. '' I also attached the documents being attached to this complaint It was later found out that the funds went into another unauthorized account, I immediately supplied Chase Bank with this information. As the account was unauthorized. I asked Chase Bank to send over what authorization it had to send the funds to that account. Chase has yet to date sent that information. 

XXXX Operating Rules : govern ACH transactions and require that payments be credited to the account specified in the ACH entry. Redirecting funds without proper authorization would violate these rules.

Chase Bank did not have authorization to send the ACH into a separate bank account and since the account that was authorized to accept this ACH was closed the funds should have been properly returned. The claim should not have been denied and a provisional credit should have been released within the 10days which would have been the XXXX regards of the reinstatement and the extra 3-5 business days to reinvestigate the claim.
Product: Credit reporting

The credit companies are reporting I have a Bankruptcy and Tax liens reported by different courts. The courts DO NOT report Bankruptcy or Tax Liens. This information is being reported incorrectly. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Debt collection

I C System account opened XXXX reported XXXX in the amount of {$1000.00}. 

I have never heard of this company. 
I believe these people are scammers. 
I have never signed a contract with these people. 

This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon viewing my credit report I found an inaccurate late payment from XXXX XXXX on XX/XX/XXXX that was reported on XXXX  XX/XX/XXXX. This late payment was never on my credit report all these years until XX/XX/XXXX. How can this late payment be accurate when in XXXX XXXX XXXX XXXX XXXX I had good payment history. XXXX   XXXX and Transunion is reporting this account inaccurate.
Product: Checking or savings account

On XX/XX/XXXX, while out of the country, I got a message that my Chime card was suspended. This was horrible timing, as it's the only card I typically take out of the country with me. When I called, I was told that it was likely a mistake and would be rectified once I sent over documentation. They were asking for the source of some transfers I'd sent over. I sent that documentation in and was then asked for proof of business ownership. Then transaction history on business sales account. Then invoice and sales summaries of my business sales account. I have sent in everything that they've asked for ( even though much of it should be confidential ) and am still getting told that my account can not be closed and the $ XXXX in the account can not be released to me. 

This is extremely problematic for multiple reasons- I can not see or access my account info at all while the account is in 'suspended ' status. Therefore, I don't know what's actually in or happening with the account. Also, the increasingly outlandish requests paired with the inability to speak to an actual person on the phone instead of via email-or have a singular account representative is scary. I don't know who I am talking to or dealing with at any given moment. One would think that if an account got to suspended status, they would assign a singular point of contact to create trust throughout the process. 

I have been with Chime for over 5 years and used to rave about how great they were but I have never experienced such disregard with any banking institution and am concerned about the validity of what Chime represents. We are now 20-days into an arbitrary suspension and nothing has been done on their end to re-allow access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Atty General of Tex XXXX XXXX XXXX continues reporting inaccurate information. fails to follow their own protocols. reports closed accts as open, reports past due balances on closed and paid account. etc ... 
I paid child support for 15 months iut of pocket to the custodial parent at XXXX $ month and filed a notorized copy of affadavit of support to atty gen office who failed to follow up on my case. This led to years of mis reporting and 150 yo 180 month lates on XXXX  and Equifax that are not true. My case is now clised for over 6 months and Equifax gets an updare from the Tex atty grn office that I have balance if {$4500.00} and 150 days late. This is on a paid, closed acct with zero balance! 
I have sent lengthy e mails, called by phone numerous times through the years, and my case never gets corrected. 
Fraudulent reporting by the state if Texas continues to harm my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX performed hard inquiries on my consumer 's report without my consent.
Product: Debt collection

A debt with XXXX XXXX from 2013 was discharged in Bankruptcy case XXXX.
A new debt collector ( Credit Management ) has reopened and re-added the account to my credit report and is trying to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act USBK XXXX XXXXXXXX XXXX XXXXXXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfers

On XXXX XXXX 2015 I paid {$1000.00} for trading company XXXX On XXXX XXXX 2015 I ordered withdrawal all my deposit, but they cancelled my request. On XXXX XXXX I ordered second withdrawal and this request was approved. They promise people money transfer XXXX7 days, but I did not received my money back. I contacted them on XXXX XXXX and they said that this transaction was approved on XXXX XXXX and was paid. I should received the money any day. Unfortunately, I did not received my money back. 
Today is XXXX month as they promised my money back and I think that they cheating me. In this case I was in Chase bank and asked for help. The banker called to an specialist but the person said that they rejected my claim because I do n't have any demanded proof. Such proof must be letter only, copy of email, no screen shot copy. 
So, from this next case I did not received any confirmation, any explanation from Chase bank. 

This is next proof that they discriminate me. Online transactions always where are and I believe will be mostly based on online documentation and such documents must be respect as proof. 

The XXXX is part of XXXX XXXX, which confused me in bank statement, because payment for XXXX is listed as XXXX XXXX, but I have conflict also with XXXX which also stole my money, however, this case will be in my next complaint.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against Experian regarding a recent unauthorized hard inquiry listed on my credit report. The inquiry was made by XXXX XXXX XXXX on XX/XX/year>, without my consent or knowledge. 

As a responsible consumer, I recently opened a personal bank account with XXXX XXXX XXXXXXXX. However, I was not informed, nor did I authorize XXXX XXXX XXXX to conduct a hard inquiry on my credit report. I understand that a hard inquiry can have a negative impact on my credit score, and I take great care to ensure that my credit profile remains accurate and free from unauthorized inquiries. 

I have attached a copy of my credit report highlighting the unauthorized hard inquiry for your reference. 

I request that the unauthorized hard inquiry made by XXXX XXXX XXXXXXXX be promptly removed from my credit report. This inquiry is unjustified and has the potential to harm my creditworthiness, which I have worked diligently to maintain. 

Furthermore, I urge Experian to thoroughly investigate this matter and take appropriate action to rectify the unauthorized inquiry. I expect a timely response regarding the resolution of this issue. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will assist me in resolving this dispute and ensuring the accuracy of my credit report.
Product: Mortgage

Wells Fargo has a lawsuit against them for changing interest rates and possibly overcharging mortgages. I called Wells Fargo, and they don't know what I'm talking about. I also have a credit card with them. I want to see if I am entitled to any of the money in the lawsuit.
Product: Credit card or prepaid card

On or aroun d   XXXX   XXXX   ,201  7,  I contacted the Customer Service Department for Citi Simplicity Card at   XXXX   to resolve an issue pertaining to a balance that was exceedingly high and a minimum amount due that was unusual and different from the minimum amount I had been paying for the past 3 years I have been a customer. According to the website, the minimum amount due was {$8700.00} and it stated that it was past due when I already made a payment prior to the  XX/XX/XXXX   wh ich is the usual due date for such account.I was given the runaround and was hung up on several times. I informed them that I would file a consumer report on them and only after I told them so did they inform me that I had to make the payment of {$170.00} to satisfy the minimum amount due for   XX/XX/XXXX  and  XX/XX/XXXX  ;  they also informed me that they would notate my account as current and not past due. However, since  XX/XX/XXXX  , the y have been calling me from  XXXX  to inform me about my past due account for the month of  XX/XX/XXXX   wh en I was told that the {$170.00} payment I made on  XX/XX/XXXX  would cover  XX/XX/XXXX  and  XX/XX/XXXX . Every day since  XX/XX/XXXX , they would keep harassing me at all hours of the day about my account that they kept saying was past due when it was agreed upon that it was current. I called them on  XX/XX/XXXX  and the Customer Service Department gave me the runaround and told me again that it was past due for  XX/XX/XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report from TransUnion shows I owe XXXX XXXX {$950.00} dollars from an account opened on XX/XX/2022, reported by XXXX XXXX XXXX. This information is a result of identify theft as I have never opened an account with XXXX XXXX TransUnion XXXX not properly investigate this dispute that I filed with them on XX/XX/2022. I received the results of the report today and could not contact anyone to properly inform them that this information is incorrect.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my most recent credit report and notice that I have been a victim of identify theft. There are hard inquiries in my name that I did not authorize. I ask that these items be removed and corrected from my credit report within 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous complaints with the 3 credit bureau 's about my XXXX XXXX credit card issued by XXXX XXXX. XXXX XXXX is reporting to them every month that I am over the credit limit. It appears to me that XXXX XXXX is selectively ( profiling ) minorities by indicating that I am over the limit to all three credit bureaus. They are selecting what to report instead of reporting accurate account information to the bureaus. 

I have never went over the credit limit on this account. I have made numerous attempts to resolve the issue with XXXX XXXX by requesting a status update letter. However, the letter does not indicate the credit limit. 

I do believe that they are not practicing in good faith as it relates to addressing concerns of minority Americans. I believe they are targeting minorities by reporting inaccurate information to the credit bureaus every month. 

I called XXXX XXXX and asked them would they tell me the day that my credit card was over the limit or even when I owed {$5000.00} on the credit card, both supervisors that I spoke with told me that I was never over the credit limit.
Product: Checking or savings account

I have not received my money in to my bank account which is capital one and have been left with {$30.00} in my account to try to survive more than 3+ days and they are saying we will not get our money till Tuesday minimum
Product: Credit reporting, credit repair services, or other personal consumer reports

I apply for a position online with a company and they recieved a criminal background record without my consent, The information on my record is 14 years old and Im poceeding to have it seal along with another charge that is 7 years old this information is denying me from becoming employed and I am exsperiencing XXXX, and Im trying to better my life.
Product: Mortgage

Tried to get a modificationdid not know I had to always use a housing agency to assist with paper work requested by US BankLoan Officer for US Bank called XXXX a week requesting documentation and asked me sereval times is home occupied so that US Bank could put house up for sheriff Sale. 
After contacting CFPB US Bank postponed XXXX date XX/XX/XXXX/2015rescheduled for XX/XX/XXXX2015I requested a appeal for XX/XX/XXXX complaint XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. I don't know who XXXX XXXX XXXX XXXX is. I have never signed any agreement or contract with them. 

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 an account without my written instructions They have violated my HIPPA rights as well! This is financial discrimination and XXXX inequities. They have violated my Equal Credit Opportunity Act- This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act.
Product: Debt collection

The is a debt collection company by the name of XXXX XXXX XXXX XXXX who parked multiple alleged debts on my consumer report without ever contacting or notifying me. I, XXXX XXXX, do not know where this debt came from. This company is damaging my reputation a violation of 15 USC 1692d ( 1 ). The debt collector is outside of compliance with the FDCPA. I did not receive any form of communication regarding this alleged debt, and I was not given the opportunity to dispute this alleged debt. I was not given any disclosures regarding this debt. They have violated my rights because I am aware that this company is not licensed to collect in Florida or Tennessee. This is deceptive and abusive behavior. This company is violating privacy rights and is potentially committing fraud per 18 USC 1001 for reporting unvalidated debt.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to formally dispute inaccuracies in my personal information and request corrections and updates to my credit report pursuant to Section 611 of the Fair Credit Reporting Act ( FCRA ). After reviewing my report dated XX/XX/year>, I identified the following discrepancies : ________________________________________ Incorrect Information to Be Removed : 1. Incorrect Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Debt collection

My Mother stopped service with XXXX XXXX XXXX because of horrible support. She switched carriers. But XXXX XXXX XXXX turned account over to collection. And even turned another account in my name to same collection. 

I mailed Credence Resource Management on XX/XX/2020. And disputed the debt. And I requested on statement that all collection activity be halted for at least thirty calendar days. The certified letter was received on XX/XX/2020. 

However, Credence sent me letter post dated XX/XX/2020. In violation of Fair Credit Collectors Practices Act.