23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Disclosed on my consumer report are my credit utilization percentage. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; By disclosing my credit utilization percentage, you are disclosing financial information connected to my banking transactions. 

I have also disclosed the definition per15 USC 6809 ( 4 ) ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or. 

So if non personal information are results from transactions, what are late payments and credit utilization I am also noting that I do not consent e oscar verification or any means of automated verification as part of any investigation process Please remove all accounts from my consumer reports that are not metro 2 compliance.
Product: Vehicle loan or lease

I received Santander FPB Complaint No. : XXXX response from Santander and appreciate Santanders admittance of its predatory lending practices. 

First Santander openly and knowingly is admitting the use of Simple interest method, a predatory practice, which calculates the amount of interest owed first on a daily basis as described in the response. This was not explained to me and I cant honestly say that I understand it now after you have attempted to explain it. This tactic is predatory and unfair. You took advantage of me by offering a product that was confusing and has caused the payments on this loan to extend far beyond the 6 years agreed upon which was XXXX then due to extension to XX/XX/XXXX. It is now XXXX 1 year beyond the agreed upon date and if I continue paying this as agreed it will extend into another year until XXXX 2 years beyond. This tactic is deceptive and has prevented this loan from being satisfied. 

Additionally, knowingly understanding my lack of bargaining power Santander offered terms that would likely prevent on time payments. Santander also has the habit of mailing bills that do not accurately request proper payments. Instead Santanders bills deceitfully state inflating monthly payment amounts causing fear of not being able to pay which in many cases caused a sense of helplessness which detoured payments. For example, on a recent bill dated XXXX the AMOUNT OWED per the bill for XXXX is {$5300.00}, when the actual amount owed for the month is {$430.00}. Knowing that it is impossible to pay {$5300.00} one could potentially refrain from attempting to make a payment due to the inability to pay the amount owed as stated on the bill. Santanders practice of misstating the actual amount is another indication of predatory lending practices. 

Additionally, Santander charged me for GAP insurance as a part of financing of this loan. In XXXX the Bureau of Consumer Financial Protection determined Santander violated the Consumer Financial Protection Act of XXXX when it added GAP insurance to loans without properly describing its benefits. Santander was sued over 9 million for this practice and this is another citation of its unfair, unethical and abusive lending practices. 

Finally, my contract with Santander was for 6 years with extension request for up to 6 months total. To date this 6 .5year loan is far beyond 8 years and before the loan is paid off if this can happen it will have approached 9 years. Therefore a 6 year loan totaling {$17000.00} will have accrues interest and additional charges for over 29,000 which is 2.5 times the principle balance of the original loan agreement. This is abusive and unacceptable. As you already know Santander is facing a class action lawsuit for charging improper fees and for improper telephone tactics which again clearly highlights my victimization by Santander. 

I am requesting a refund in the amount of {$10000.00} which include excessive fees and interest incurred and Santanders repeated 32attempt to take advantage of this subprime borrower.
Product: Credit card or prepaid card

XX/XX/2020, and XX/XX/2020, and XX/XX/2020 letters were sent USPS and via Fax No. XXXX and calls and messages were left at XXXX. 
No one has responded in writing as requested or returned my telephone calls. The letters addressed a compromise in the services offered to me by Chase and a statement regarding my ability to pay that requires a written response for legal purposes. There has been no form of response to these specific letters -- XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020. I have been mislead to believe that someone was going to contact me shortly. However, no response in writing or any other form.
Product: Debt collection

XXXX and XXXX are listing a credit collection account ( Bull City - Acct # XXXX ) that does not belong to me. I have previously filed an investigation with XXXX and XXXX explaining to them that this collection account does not belong to me. XXXX and XXXX sent me a response and said that they verified it does belong to me and I would need to contact Bull City directly if I disagreed with their decision. So I wrote Bull City a letter and told them they were listing a collection account that does not belong to me. I asked Bull City to either validate this alleged collection debt or delete it from my credit reports. I sent the letter over 30 days ago and I have not received any response from Bull City. Since Bull City can not validate this alleged debt, I would like for them to delete this collection account from my XXXX and XXXX credit reports.
Product: Student loan

On XX/XX/2019 I made a payment to my son 's student loan. I gave the loan number to the representative to apply the amount to the loan. The following week I checked and the payment was sent to Treasury and not applied to the loan. On XX/XX/2019 I made another payment to one of my son 's loans and this payment was not applied to the loan even though I got an confirmation number. My son requested forms for autopay and they sent the incorrect forms. Apparently there is one for private and federal loans. My son put me down with Navient that I can talk to them and when I did they refused to assist me with sending the requested forms to me. I wanted to make payments from my account directly to Navient knowing that it would reduce the interest rate. They are trying anything to delay this process instead of assisting a person. I, as the mother, have spoken to different representatives of Navient and they all have different answers and none of them really knows anything or they would be able to process payments made to loans when loan numbers are given. It is very frustrating to deal with them and it shouldn't be that way. But anything to delay payments made to loans in order to get as much interest as possible. This applies to Federal and private loans. They are both processed incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items that are reporting negative on my credit report in which I have done the following : 1 ) .XXXX  - showing negative reporting in the amount of {$3200.00} - spoke with their recovery department and was advised that this item was zero in their system and had no idea why the credit bureaus were reporting it 2 ) .XXXX XXXX XXXX- {$2700.00} spoke with their collections and was advised this item is no longer in collections and was removed 3 ) .Ally Financial - {$37000.00} - spoke with their recovery department and was advised this item is not in their system. 
4 ) .XXXX  XXXX - {$1900.00} - spoke with them and they advised me that I do not any accounts that are in a delinquent status no did I have a account in a delinquent status. 
5 ) .XXXX XXXX XXXX XXXX {$3200.00} - this is same XXXX XXXX XXXX for {$2700.00} thats is reporting negative on my credit in which it should be removed! 
The item above are ruining my credit and my chances of trying to buy me a home.
Product: Checking or savings account

My car payment is due on XX/XX/XXXX. On the morning of XX/XX/XXXX I noticed a low balance that would not cover the car payment. I submitted a cashiers check to my bank BMO harris for more than enough funds to cover the car payment. The check was accepted and the amount posted to my account. On the morning of XX/XX/XXXX it showed that my payment went through and was processed by my Bank BMO Harris. The next day on XX/XX/XXXX BMO sent me an email stating that my car payment had been returned for insufficient funds. This has caused significant harm and now will have fees due to missing car payment. This level of incompetence should not be tolerated and BMO Harris should not be allowed to handle the publics money. Please help
Product: Mortgage

My wife and I were looking to refinance our loan and chose to work with a local mortgage broker. We were given the choice on which company our loan would be sold to and decided to look at Chase because our other accounts are there. I called and spoke to a representative about the Chase Mortgage Cash Back program and asked several times if we would qualify if our loan originated with a mortgage broker and was then sold to Chase. I was assured that everything would be fine and we would be eligible. We went ahead with the refinance and our loan was sold to Chase. When I tried to sign up for the Chase Mortgage Cash Back program, I was not able to. After talking to several different representatives, I was told that we do not qualify for the program and there is nothing else that I can do about it even if I was misinformed and mislead. Since we chose to use Chase at a higher rate with the understanding that the program would reduce the cost, we will now have to pay over {$4000.00} over the life of the loan without this resolution.
Product: Credit card or prepaid card

I had unauthorized charges on my account. I called Citi Bank 's customer service to report the charges as fraud and to dispute them. Citi Bank issued a new card upon my request. The merchant ( XXXX ) then charged me a " non-return '' fee for not return the items that were purchased fraudulently. When I called Citi Bank about this new fraudulent unauthorized charge, I was told that the original charges do not appear on my account ; they began a new dispute and I was issued a credit. Citi Bank reversed the credit 3 months later after the merchant response. Upon calling Citi Bank again I was told that my case was never sent to the fraud department and remained as a merchant dispute. I was told I was transferred to fraud/security. They advised I send a reply letter. I received an email on XX/XX/XXXX notifying me of a letter dated XX/XX/XXXX ( it took 3 days to notify me ). Citi Bank stated the charges were valid and were closing the dispute and that if I wished to continue Id need a credit slip which I dont have because the charges are fraudulent. Upon calling, I was told that my case was never transferred to the fraud/security department.
Product: Credit card or prepaid card

I was charged over {$200.00} on XX/XX/2023. My bill was {$26.00} and I noticed a few months later they had charged me {$220.00}. I have called Chime and disputed. I have showed them the receipt and they have denied my claim
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card at the end of XX/XX/XXXX and was denied stating that I did not have a credit report nor a credit score. In late XX/XX/XXXX I attempted to get my free credit reports using the annualcreditreport.com web site. I was not able to get my credit report online at the time. In XX/XX/XXXX I received a post card with no date and no company information. It was open for anyone to read. It was also addressed to XXXX XXXX XXXX. I am XXXX not XXXX. The post card stated that I needed to provide documents. 

About XX/XX/XXXX I sent in a copy of their post card requesting the documents. I included a copy of my driver 's license, a copy of my Social Security card, a recent utility bill, and a copy of my birth certificate. 

I received a response to my credit report request with information about a credit report dispute. It was one page front and back. It seems to state that it was a credit report. No credit report was included. As far as I knew the credit reporting companies require a credit report number to be included with a dispute. I still do not have a credit report and therefor I have no way to dispute something in my credit report.
Product: Credit card or prepaid card

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against American Express for their failure to properly address a fraudulent transaction on my account. On XX/XX/2023, I paid {$900.00} for a video game account through XXXX ( https : XXXX ), a third-party merchant platform, which was later determined to have been hacked and recovered by the original owner. Despite receiving confirmation from XXXX that I would receive a refund in such an event, the merchant has since refused to provide any assistance or refund. I have attempted to work with American Express to resolve this matter, but their dispute team has proven to be incompetent and unresponsive. Despite numerous attempts to escalate the matter and speak with supervisors, American Express has failed to adequately investigate or properly resolve my case. It is clear from the evidence I have presented that I was scammed and deserve a refund, yet American Express continues to protect the fraudulent merchant. American Express 's failure to protect its customers from fraudulent merchants like XXXX is unacceptable. By allowing bad actors to take advantage of their customers, American Express is failing in its duty to provide a secure and trustworthy platform for financial transactions. I am deeply disappointed in American Express 's handling of this matter and believe that they must take immediate action to rectify the situation. I am requesting that the Consumer Financial Protection Bureau investigate this matter and hold American Express accountable for their actions. I also request that the CFPB take steps to ensure that American Express and other financial institutions take more proactive measures to prevent fraudulent transactions from occurring in the future. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

moving a deleted debt to a un-claim violation not requested false claim by Equifax Reported a FTC violation e federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy and ... Inaccurate information like that could affect your ability to get credit, insurance, or even a job. ... nationwide credit reporting companies Equifax reported as disaster which is false information XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and am FOR THE 3rd TIME disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Item # Reason for Deletion XXXX State Error. Not Reported by XXXX. Vacated/Dismissed. w/o Prejudice. 


According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

I am also requesting a full explanation of why this reinvestigation/Equifax has violated the Fair Credit Report, in that this investigation has taken WELL OVER 30 days. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report,  which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Product: Mortgage

There is no way you can speak to someone when you call OCWEN. Their offices are overseas in XXXX and you can not understand them. My payment has to be in by the XXXX of each month. I mail the check each month now because they could not get the electronic payment done right either. They, this month XXXX 2015, want to charge me a fee of {$40.00} for their inability to process my paper check. When a check is received by mail, and of course with the US mail so messed up who can say when they will receive your payment.. I mailed my payment on the XXXX of XXXX they received and posted it on the XXXX, the check was to be deposited on the XXXX.AS IT WAS DATED so when it went through my bank 2 days early my SS check was not in yet and OCWEN charged me {$40.00} b/c their people do not know what they are doing!! and it was returned for non sufficient funds by my bank. I used to pay online and then they wanted to charge a {$10.00} fee for that as well. When you are on a set income it is hard to survive in this dog eat dog world. I have never missed a payment or been late with anything UNTIL OCWEN. Someone needs to go in and close their doors or maybe bring them back to the XXXX to be serviced.
Product: Money transfer, virtual currency, or money service

my PayPal got limited. I had around XXXX $ balance. they told me through email I will be able to transfer them after 180 days. after a few months they transfer my money to PayPal without my notice because of " damages to PayPal acceptable user policy '' when I never did a thing
Product: Checking or savings account

Concerned about : Check XXXX for {$130.00} / Authorized ; Date XX/XX/19 notifying me the check was not paid. Date : Called Bluebird American Express Customer Service. Amount of time on the call : 1 hour and 23 Minuets. 

When I called about why the already preauthorized check was not honored or the amount not paid I was not able to get an answer as to why it wasnt honored. When checks are written with Bluebird they must be preauthorized through Bluebird and a confirmation code written on the check. I did all the things required. 
After talking to the initial agent, I then got transferred to 3 others people and even the customer service supervisor ( listed below ) The initial agent said she couldnt even view the transaction but put me on hold to talk with someone in The Tech Department. She then came back on the line to tell me she had them to return the money to my account. I never told her to do so. My statement to her was that Im concerned about the {$20.00} fee-my utility would charge me for a returned item. I the asked to speak with her supervisor. 
Her Supervisor said the same things about not being able to see the transaction nor the email I received. She then put me on hold and the next thing g I know someone from The Tech Department answered the line. I inquired as to why I was transferred to her. She said she did not know and said it was a Cold Transfer. 
After telling the agent my concerns, he put me on hold to speak with someone. He the came back to tell me several time that all he could see was that the {$130.00} had been placed back into my account on request of the customer-which t told him that I never asked her to do so. He then put me on hold for over 15minutes. The next thing I hear was an agent from the Fraud Department. I refused to again all of her the previously shared information. 
This company has operated with impunity with customers Accor t. The seem to conspire to transfer you from department to department when they cant answer hard questions. 
People /departments spoken with, including the regular agent I first spoke to. 
XXXX ( female ) -Customer Service Agents Supervisor Tech Agent-XXXX  XXXX-Fraud Department
Product: Credit reporting, credit repair services, or other personal consumer reports

was checking my credit report, there are so many negative information. I told you, these information do not belong to me. Im sure that someone have my personal information.
Product: Debt collection

In early XXXX of 2015 Credit Collection Services began reporting to the XXXX Credit Bureau that I owed them {$130.00} for their Customer XXXX XXXX. In the beginning of XXXX 2015 my balance with XXXX was at {$0.00}. 
On XXXX XXXX, 2015 I faxed a dispute letter to CCS asking them to remove the unverifiable/inaccurate information that was being reported to XXXX. I never received any correspondence form CCS in regards to the debt they were trying to collect. I have yet to speak to a CCS representative or anyone affiliated with them. I have never accepted not acknowledged any debt with or through them. 

After my first dispute letter CCS updated the information which is being reported to XXXX as " Paid Collection '' which is inaccurate and untrue because they have never received any payment or form of communication from me besides dispute letters. I would like to ask for proof of payment from me to their company as well as for them to verify this debt.
Product: Credit reporting or other personal consumer reports

My husband is the sole borrower for the loan with XXXX  XXXX  used to purchase our home ( I did not have a credit score at the time of purchase so was unable to be on the loan ). He was looking to refinance the loan to include the windows we purchased. 

The mortgage specialist at XXXX XXXX told my husband that he would need to do a " soft inquiry '' on my husband 's credit report to look at the potential to refinance. He also asked about possibly including me on the loan. I was unaware that this was all in progress when I received a call to " verify my information '' by stating my birthdate and social. I verified my information and was told that I was free to exit the call. 

At no point was I made aware of the need for me to be on the loan and I definitely did not agree to any application, or credit searches. I just thought I was verifying my info as a member of the household ( as I was included in the mortgage with the previous loan without actually borrowing or needing to have credit ). 

The next day I got a notification from XXXX XXXX that my score had dropped by XXXX XXXX. So the " soft inquiry '' that my husband had consented to had become a hard inquiry on MY account that I was not aware was happening. 

We reached out to the company and have been repeatedly told that while they " understand where we are coming from '' that they had not done anything wrong by not disclosing the reason for the " verification of information '' and not getting my consent to add me to a loan application. 

I was told my husband could consent for me, which is not the case given the XXXX XXXX XXXX. I feel that the way they obtained my social for the search without disclosing the intended purpose was an Unfair and Deceptive Act or Practice that took advantage of me as a consumer.