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

I have checked my bank account and found that there is check payment deducted from my account but that check is not issued by my and also check number and check was not have my name and details but it has wrong bank account and routing number but still paid from my account as bank was negligently issued payment to someone else from my account on wrong check. I was astonished to see that it was paid from my account as it was my check, even the information does not match on check with my bank information. Bank is totally negligent and fails to fulfill its duty of care to a customer, resulting my financial loss. 

How a bank can not look into details when making payments, and negligent with our funds. 

A wrong check not issued by me posted into my account in Chase Bank, and paid on XX/XX/year> and money was deducted from my account. 

I reported to Chase bank on XX/XX/year> when i looked into my account and they sai that they will fi this. But issue is that now i feel unsafe that any person can cash a chek from my account. Chase bank system is not reliable now and regulatory authority should take action on this even i receive my money bank so other customers will be safe.
Product: Vehicle loan or lease

I contacted Santander Consumer USA about my car loan on XX/XX/2018 to discuss a payment plan. I was denied. I explained that I was experiencing a loss of income and wanted to modify the loan. The Agent met with a supervisor and flat out denied to offer any assistance stating " there is nothing we can do '' I explained I could set up a payment for the next week but needed to look at the dates first. The agent went on to say the car was assigned and good luck. When we bought the car I was forced to purchase GAP insurance which I was told that the bank requires it. This extra monthly amount put the monthly loan higher than what I can afford. The Interest rate is excessive and I am paying XXXX per month for a car that is worth XXXX ( Owe XXXX ) thus upside down. I have been paying this loan for 3 years '' struggling '' with the payment. Santander refuses to help me and/or modify as I know is possible upon hardship circumstances which I am in. XXXX XXXX, the dealer I bought the car from spoke to me about 3 months ago and offered the same model car but a XXXX   for XXXX per month which made me believe that something is wrong. I have tried to work with the bank and am willing to continue but I am not able to continue at this current rate or without assistance. Additionally, the bank is calling almost 10 times per day which is excessive and no correspondence has ever been sent. I believe that this loan is symptomatic of excessive interest, and the fact I was forced to buy GAP really is consumer preying. I am asking for help as this situation is causing credit issues and financially burdening and stressful but Santander seems that they will not help. I know notes can be modified for good cause yet they refuse. I am also upset that I was forced to add GAP by the bank because of the extra monthly expense. Can I please get some help with this matter?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I inform all three credit bureaus ( XXXX, Experian, and XXXX XXXX XXXX incorrect inquiries that were put on my credit report without my authorization. The agency never looked into the investigation and kept the inquiries on my credit file without my authorization, Nor do I have accounts with the inquiries in question. All of the inquiries that were made in XXXX are in accurate. I am working very hard on my credit to improve it and I have tried my best not to have any inquiries on my credit report that werent already there before XX/XX/2022. I did not authorize those inquiries in the month of XX/XX/2022 at all and It is a violation of my rights as a consumer to report inaccurate information. The agency did not take the time to investigate this matter and I am requesting validation with my signed signature that I authorize this information to be reporting on my credit file.
Product: Debt or credit management

during the time frame in between XX/XX/XXXX and XX/XX/XXXX, i singed up for credit repair with Lexington law to repair my credit. they received payment and failed to do what was stated in my first initial sign up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

Fraudulent unauthorized withdrawal from my XXXX SC Bank of America checking account. this withdrawal accord in a Bank of America Branch located in XXXX XXXX address is XXXX XXXX  XXXX SE XXXX. The withdrawal amount was {$500.00}. 

I live in XXXX SC XXXX my phone number is XXXX and my email address is XXXX XXXX
Product: Mortgage

New Rez, LLC put windstorm insurance on my house. I already had windstorm insurance. It appeared on my account on their website. However, they did not have my homeowners insurance on my account. I submitted the homeowners insurance. For some reason, they removed the windstorm insurance. Then charged me for the insurance they put on it. They still are not paying my homeowners insurance. They are charging me for windstorm insurance. It's absolutely absurd.
Product: Debt collection

I paid the cancellation fee to terminate my membership shortly after signing up. 
I never once used their gym. They informed me that i would no longer be charged. I'm now seeing they charged me for a whole year. When i called to resolve the problem they told me they don't know what went wrong and refuse to take the collection off.
Product: Credit card or prepaid card

My minor daughter is receiving solicitations from Discover, and I did not grant permission to do so. She is only XXXX years old. She does not have a credit card from Discover and this website does not give me an option for filing this complaint without selecting " Card Holder ''. She does not have, nor has, a Discover card.
Product: Checking or savings account

A check from XXXX XXXX XXXX XXXX was made out to XXXX XXXX XXXX of XXXX, XXXX  Re : XXXX XXXX XXXX for a vehicle purchase. XXXX XXXX XXXX, who resides in XXXX, Texas was able to deposit a check for {$30000.00} into his account at a Chase Bank in XXXX XXXX, Florida. The check was not addressed to XXXX XXXX and he is not a employee of XXXX XXXX XXXX. Chase told me that they have a XXXX week clearing policy, so I am baffled how he was able to cash a check that he is not authorized to negotiate. Chase has not been able to provide a clear explanation as to how this happened. I have talked with the dealership on the check and they have confirmed that they don't have a banking relationship with Chase nor do they have any knowledge of XXXX XXXX. 

Chase refuses to give me any information, when clearly a grave mistake in policy and verification has occurred on their part. I spoke with the XXXX XXXX department of Chase to XXXX and he instructed to me to have law enforcement to call and they could get more information. He went on to say he couldn't find the check and or an account with XXXX XXXX XXXX. This has absolutely devastated me financially. I couldn't get a mortgage for my first home, my credit is ruined and I have to pay thousands of dollars for a debt that is not mine for a car I do not have.
Product: Credit reporting, credit repair services, or other personal consumer reports

disputed incorrect information with Transunion TWICE regarding account XXXX issued by XXXXXXXX XXXX I have supplied documents to support facts, Trans union needs to STOP parroting e-oscr and investigate and properly update said account they are in violation of the FCRA again ... ... .....
Product: Debt collection

I received a letter dated XX/XX/XXXX on XX/XX/XXXX from XXXX XXXX XXXX , XXXX that stated " On XX/XX/XXXX, your XXXX XXXX XXXX XXXX account was sold to XXXX XXXX XXXX, which is now the sole owner of this debt. XXXX XXXX XXXX , XXXX ( " MCM '' ), a debt collection company, will be collecting on and servicing your account on behalf of XXXX XXXX XXXX. Your current balance is {$1900.00}. '' I received a phone call from XXXX XXXX XXXX , XXXX on XX/XX/XXXX. 
I received 5 phone calls from XXXX XXXX XXXX , XXXX on XX/XX/XXXX. 
I received 14 phone calls from XXXX XXXX XXXX , XXXX on XX/XX/XXXX. 
I received 15 phone calls from XXXX XXXX XXXX , XXXX on XX/XX/XXXX. 
I received numerous phone calls from XXXX XXXX XXXX , XXXX between XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/XXXX I was told that I now owed {$3000.00} and I if did n't pay it they would send the cops to my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute many collection accounts that were inaccurate and or falsely reported on my three credit reports with very minimal results until I submitted complaints with the CFPB and got results from both the credit bureaus and the actual collection companies. But, Equifax still has an account listed as open and with balance in collection! I had disputes listed with Equifax and even get email correspondence stating results are posted ( for only a few more days now ) and yet I can not even log into the website with my personal info and unique Confirmation Numbers!? I keep getting the same error message of : We are unable to Process your request ... .. 
My results from using CFPB even had the collection agency replying saying they have sent corrected and updated info TWO TIMES to the credit bureau and yet still listed at Equifax? I would like to know ( view ) why Equifax has not fixed this, but unable to even re-dispute ( send more documentation ) anything without access to their website?! I have contacted their customer service only to be told I must contact them directly? I thought I WAS contacting them? Do I need to show up in person for a meeting? This is ridiculous! 
Needless to say, during this long process I have been denied for leasing on living arrangements due to all this wrong information and the needed points were not gained/showing to grant me loans/application approvals. 
I have attached my documentation and screen shots of Equifax error message, correspondences and account numbers.
Product: Credit reporting or other personal consumer reports

Hello, THis company has reported me to the credit bureaus as being 120 days past due for just {$40.00}. 

First, All my loans are in forbearance and 2nd I did not even know I owed {$40.00} for this loan. This is ridiculous and unfair and dropped by credit score by XXXX points. 

I am a teacher and am asking for loan forgiveness for XXXX and This loan was also paid off and forgiven. 

Also, when I log onto the website to even see my debt there is no information where to send a payment as there is no " collection '' agency listed. 

these are unfair and deceptive practices under the FCRA and Also Fair Debt Collection practices act. 

I would like to have this collection removed from my credit report IMMEDIATELY. THIS LOAN WAS PAID IN FULL {$1200.00} and these {$40.00} are fradulent and uncessary fees and has nothing to do with the LOAN ITSELF!!!!!!
Product: Credit reporting or other personal consumer reports

The account in question is inaccurately listed as a charge-off, even though it has been paid in full and carries no outstanding balance. I kindly request the complete removal of this erroneous entry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several request for debt validation to the Simons  Agency who are reporting negatively on my credit report and they have failed to provide any proof of my debt. They have continuously updated the info with the credit bureaus on my report but failing to provide me verification.
Product: Credit reporting or other personal consumer reports

I Must express my deep dissatisfaction with the continued negligence displayed by your company in addressing the inaccuracies present on my personal credit profile. Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on on deaf ears. it is important for you to understand that by law your required to take immediate action upon receipt of such request. Your persistent refusal to comply with the legal mandate forces me to escalating the matter and pursue legal action against your organization. Rest, assured, I awfully prepared to take all necessary steps to rectify this situation and uphold my rights as a consumer. I urge you to take this matter seriously and promptly address the issues at hand. I have submit dispute documents regarding Negative, incorrect, and outdated information. I Value my credit integrity greatly and fully intend to exercise my rights under the FCRA to the furthest extent. I expect a prompt and satisfactory response from you at your earliest convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone broke into my car stole my persona information & now using it as me and trying to open accounts in my name. These items on this report was not authorized or completed by me.
Product: Credit card or prepaid card

I have a AMEX card that came with a points bonus for spending so much money within a time frame. However after two months without getting my bonus points I am fed up.I have called and spoke to reps online to no avail ... I keep getting the same answer that they are having technical issues, which is XXXX. I completed my end of the contract but they are not honoring there part of the contract, this is a classic breach of contract. My most recent contact came today ( XXXX/XXXX/XXXX ). I completed my end of the contract in XXXX and I should have gotten the bonus at the end of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with Fair Credit Reporting Act XXXX 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 : it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

States Recovery is continuing to charge interest on a debt that was charged off by XXXX XXXX. To this date, I have paid {$1000.00} on a {$3600.00} debt and still owes according to them as of XXXX 2016, {$3200.00}. When I asked for a statement, I was told they do not send any statements and are not required to. States Recovery claims, XXXX XXXX ( Original Creditor ) are the ones who has this information but when I contacted XXXX XXXX, I was told the debt was sold to States Recovery. States Recovery claims collection efforts were instructions from XXXX XXXX and they did not buy the debt. These are deceptive practices, States Recovery are unable to provide me with any kind of information regarding a debt. They are not suppose to impose interest charges on a debt especially if they are unable to provide statements. I have tried to settle this debt but they refused to work with me. They continued to harass me at work, call different branches to find the exact branch I work, even after I told them to stop calling me at work and I have given them my cell phone number.
Product: Checking or savings account

Submitted a fraud case to Simple Bank ( bank ) and XXXX ( where charges occurred ) XX/XX/XXXX. XXXX asks me for details from Simple XX/XX/XXXX. XXXX denies fraud because the amount was consistent with my spending pattern on XXXX. This is completely false. I rarely used XXXX mostly for transactions less than {$25.00}. The charges I disputed were over {$3000.00}. In XX/XX/XXXX Simple decides one of two Charges for me in favor, one not in favor. Surprising because the issues were the same for each claim. As a result a provisional credit became a credit and one was taken back and the charge Stood. I asked for copies of the determination and evidence reviews in XX/XX/XXXX. This was and still has never been provided after a years worth of requests. They keep making excuses and Ive asked for management intervention which never happened. It is still outstanding as of the date of this request over one year now. 

I was contacted by a bill Collector for XXXX in XX/XX/XXXX. I never received any kind off notice from XXXX that there was an amount due. I did not respond to the collector and asked for information from Simple to determine why I was in collection and to address XXXX. Never received. Since then a new collector was assigned and a notice from XXXX was also sent about the balance. I asked XXXX for their information regarding the process of the fraud and resulting actions. They have refused to provide any information u til I speak to their Collections department. I will not contact their Collections Department without appropriate information. 

The last time I asked for the information from Simple was yesterday XX/XX/XXXX and I got some generic response that had nothing to do with anything. 

Please note I also contacted BBVA USA who I thought was the parent company of Simple. Twice I was told they have no responsibility for Simple Bank. 

Recently it was announced that Simple was sold to another bank. After that it was announced That BBVA USA was taking over the Simple accounts as the parent organization. I just received tax information for the Simple accounts done by BBVA USA which appears contrary to their denial of any relationship. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/TRANSUNION/XXXX  reports inaccurate and false information here are the following : XXXX XXXX  XXXX  XXXX ACCOUNTS : LAST REPORTED XXXX XXXX AMOUNT OF {$720.00} XXXX AMOUNT OF {$2600.00} XXXX  XXXX/XXXX  XXXX  XX/XX/XXXX ACCOUNT # XXXX U.S DEPT OF EDU ACCOUNT # XXXX XXXX {$2100.00} XXXX {$4200.00} XXXX XXXX  ACCOUNT # XXXX
Product: Money transfer, virtual currency, or money service

I bank with Chase and I often use the XXXX app to send money. Ive made some small mistakes in sending money to a wrong number. I tried to to recover my money back with zero luck. Chase can not undo any XXXX transaction. There are multiple occasions where my Chase/XXXX  lags or times out and when i close the app and reopen it thinking im starting from the beginning, im horrified to find out a transaction was made. Im a small business owner and i use XXXX to send money back and forth from payroll to loans. My looses after many years is at a minimum XXXX XXXX.
Product: Credit card or prepaid card

Fraudulent charges in my Union Bank credit account : Sequence of events : XX/XX/2021 : Email regarding fraud alert, I reply indicating that these transactions were not performed by me or someone authorized to use my card. 

XX/XX/2021 : Email regarding fraud alert, I reply indicating that these transactions were not performed by me or someone authorized to use my card. 

XX/XX/2021 : Email regarding fraud alert, I reply indicating that these transactions were not performed by me or someone authorized to use my card. 

XX/XX/2021 : Letter from Union Bank Fraud Department ( attached ) resolving part of the fraudulent transactions ( only {$60.00} ), but still pending several for the amount of {$70.00} XX/XX/2021 : Called and left voice message to Fraud department at XXXX PDT and XXXX PDT XX/XX/2021 : Called and left voice message to Fraud department at XXXX PDT XX/XX/2021 : Called to customer service to close the account as I am not getting any response from the Fraud department regarding the rest of the fraudulent transactions and I do not wish to have any further fraudulent actions. 

XX/XX/2021 : Called and left voice message to Fraud department ( main line and the designated analyst, XXXX ). 

XX/XX/2021 : Confirmation letter that the credit account is closed. 

XX/XX/2021 : Called customer services, at XXXX PDT, XXXX # XXXX attended my call, and help me, and informed me that she sent to dispute the pending transactions, informed that I am not responsible for any late fees or any charges until these are investigated. 

XX/XX/2021 : Called customer services at XXXX PST, XXXX attended my called and she resubmitted/reworked my petition. 

XX/XX/XXXX and then XX/XX/2021 : Received a letter each of these dates from collections department related to the fraudulent chargers. 

XX/XX/2021 : Called customer service at XXXX PST, attended # XXXX, she indicated that they missed to mark a box on my file regarding the fraudulent transactions, she apologized and marked the box and indicated that a fraud analyst would follow up. I mentioned about the letters received from collections. 

XX/XX/2021 : Called customer service at XXXX PST, XXXX informed me that I have a case # XXXX XXXX XXXX XXXX, with fraud analyst XXXX and should hear from her soon. 

XX/XX/2021 : Mailed to Union Bank collections and fraud departments same letter dated XX/XX/2021 ( attached ), requesting their attention to this matter, via certified mail. 

Dated XX/XX/2021 : Received exact same letter from Union Bank Fraud Department ( attached ) resolving part of the fraudulent transactions, but still pending several for the amount of {$70.00}, the letter is exactly the same as the one dated XX/XX/2021, just different date on the top, it does not indicate any new revision to the pending fraudulent charges. 

XX/XX/2021 : Contacted XXXX for support. 

XX/XX/2021 : Received information from XXXX and I started preparing the material to submit to consumerfinance.gov/complain, per their guidance. Email attached. 

XX/XX/2021 : Called fraud line at XXXX PST and left a message to the two fraud analysts : XXXX and XXXX, indicating this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX was paid completely and the company stated that they would remove it from my credit report. This has been disputed by TransUnion, XXXX, and XXXX  and they have not removed it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX ( Act # : XXXX ) has violated my rights. 

15 USC 1681 SECTION 602 states I have the right to privacy.

15 USC 1681 SECTION 604 A SECTION 2, also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.