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

I had a car financed through SANTANDER CONSUMER USA. The car was was totaled, date of loss is XX/XX/2023. My insurance company, XXXX, completed the settlement on XXXX XXXX. XXXX paid Santander their payoff amount electronically on XX/XX/2023. The settlement amount was more than the payoff amount. I have already received my portion of the settlement electronically. I am still owed a balance from the extended warranty, which will be released from SANTANDER. I have been calling for the last XXXX days, multiple representatives said the payment wasnt received. They keep harassing me for a payment. I told them that they were already paid. The last rep relayed information that THE BANK DOESNT HAVE A ROUTING NUMBER, therefore, a check may have been sent. I think that is bogus. How does a bank not have a routing number in 2023?!?!? I have always paid my note electronically. XXXX paid them electronically. XXXX paid me immediately. Santander is giving me the runaround and I need help resolving this matter please. Thanks in advance.
Product: Credit reporting or other personal consumer reports

There is incorrect information on my credit report. My XXXX and TransUnion credit report is reporting a collection/charge off on my report from XXXX XXXX  XXXX which is indeed not my collection. It does not report on XXXX at all and would like this collection removed. It is not accurate.It is not linked to any address on my credit report. I disputed this with XXXX and TransUnion plenty of times with no resolution. 
And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information rolating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Citibank has offered a {$300.00} bonus for opening a new customer checking account. I accepted Citibanks offer and opened checking account ending in XXXX ( Citibanks letter signed by XXXX XXXX, Citibank Director of Client Care is attached ), made a required opening deposit and made preparations to fulfill banks requirements for the bonus. Imagine my astonishment and disappointment to find that Citibank Bank has decided to close in 30 days thus precluding me from receiving promised {$300.00} bonus. 

The bank has made a binding promise to credit a {$300.00} bonus upon opening of checking account and making arrangements to deposit {$15000.00} or more in new to Citibank funds into your new checking account or new or existing Citibank Savings Plus account ( a copy of the banks binding promise is attached ). I accepted banks offer by opening a required account and provided for a required opening deposit. Acceptance of banks offer represents an unilateral contract for breach of which law provides a remedy. I completed banks requirements necessary to qualify for the opening bonus but I was unable to receive the {$300.00} bonus because Citibank breached the contract by terminating my account without paying the promised bonus. Citibanks action of closing my account is a breach of contract and law affords remedy or a legal cause of action when a binding agreement ( or bargained-for exchange of consideration ) is not honored. While Citibank has a right to close account on its own accord at any time, the account closure does not excuse Citibank from paying {$300.00} bonus due under the contract.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I have had good relationship with TCF bank when I lived in XXXX, XXXX  I moved XXXX  in XXXX and TCF bank  merged to Huntington Bank. 
I have had IRA CD matured in XX/XX/XXXX. I asked minimum distribution requirements ( RMD ) {$1200.00} many times Huntington bank and notified the new address in XXXX and XXXX. 
They have not sent me MDR yet. I notified XXXX who worked XXXX XXXX Huntington bank, '' I want to close my IRA cd on mature date and transfer to XXXX XXXX broker account in XX/XX/XXXX and get the bonus {$400.00} til XXXX XXXX '' but it seemed to be very difficult because bank asked so many documents. XXXX XXXX of XXXX XXXX couldn't transfer my IRA after matured date. I notified bank not renew CD and Bank send me CD and I will send to XXXX. Huntington Bank asked me to close " send notarized letter to close CD '' and I sent it after they received my mail. asked me " Send copy of ID '' and sent it then asked " notarized ID ''. Why they didn't give me instructions to close the CD after due date. After this, manager corette asked me to fill up the form to close.

They kept asking forms one mail after mail. I lost the chance to get bous {$400.00} because they are holding my CD. 
I heard I don't pay MDR, IRS charge me the penalty, 50 % of {$1200.00} so I requested Huntington Bank. 
They refused it so I complained to attorney general office Illinois. 
The answer was I didn't provide the documents. They didn't see Huntington bank didn't pay MDR for last year and didn't provide instructions how to close for matured CD and kept asking one received then another one. Bank didn't send my IRA CD yet and MDR with penalty. I lost the chance to get Bonus {$400.00} because it passed due date. I want receive my IRA CD, Bonus {$400.00} and penalty of MDR {$600.00}.

I want to report Hunting bank is doing malpractice. 

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

I can not withdraw my funds from skrill and customer service was not of assistance.
Product: Checking or savings account

It is usually not in my favor when I try to open an account with the XXXX banks Ive started banking with. XXXX wont let me bank with them unless a debt caused by fraud amounting {$8000.00} is settled by me. XXXX XXXX XXXXXXXX says that they and I will never bank again. Ive recently opened a CitiBank account, but they told be in just 3 days after a successful account opening that they and XXXX XXXXXXXX XXXX were adverse to the account opening. I believe Im a victim of a fraud and id theft.
Product: Credit card or prepaid card

On XX/XX/2022 I deposited {$500.00} in cash at XXXX. I had to use a Chime Bank Card in order to pay bills online because I lost my chase debit card and was waiting to receive it. 
After depositing the money, after attempting to use it I found out Chime froze my account for unexplained reasons. I contacted them, I have about 8 hrs of call time to them. They asked me to submit my ID and a letter from my bank. I did all of this and they still have not unlocked my account, or even returned my emails. I've been trying for OVER a week to get my money back with no results. I have spoke to at least 8 supervisors, my complaints have allegedly been escalated with NO response from anyone. There is no specific reason why the account is frozen. If the account was frozen, then they should have never accepted the deposit. I submitted all required documents, they said allow 24-48 hours. That was over a week ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Pulled a recent credit report and noticed a lot of fraudulent authorized accounts. I will be listing all of these accounts, below along with date it said it was open on the report. I NEED THESE FRAUDULENT ACCOUNTS OFF OF MY REPORT IMMEDIATELY! 

XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) - XX/XX/XXXXXXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit card or prepaid card

This is for the XXXX XXXX Credit card ending in XXXX. I should have been allowed to transfer or redeem the XXXX points that equates to at least {$590.00} in a statement credit. On XXXX XXXX, 2017, I received a statement showing the XXXX points were not available. I also can not access the points online.
Product: Credit reporting or other personal consumer reports

This is my follow up in regards of the ongoing issue and I am submitting my complain and I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an items left that need to be removed. Per FCRA section 605 you are required to remove the items. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please help me remove the following items : XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1100.00} XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX  XXXX Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$9700.00} XXXX XXXX Balance : {$390.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX **** Balance Owed : {$10000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$10000.00}.
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 XXXX  Account XXXX has violated my rights. Or a 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 or credit management

XXXX I contact the company by phone and email. They took funds out of my account after the agreement was to hold the payment until the next. They said they will refund money! I said okay until they said by XXXX  payment thats when I realized this is a scam company that called my phone and lied to me about being a debt consolidation company. Cdsfinancial Or XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Employers : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX ; XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX  | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX | XX/XX/XXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Product: Vehicle loan or lease

This vehicle loan is paid off. Im not sure why its still showing a balance. I have my paperwork and title.
Product: Checking or savings account

My late mother has two IRA accounts at Suntrust. I and my brother were named beneficiaries. He is deceased. I went to the XXXX branch of Suntrust with the information the attorney mailed to me regarding the accounts. They said their legal department told them the executor of the estate will need to produce at the branch a death certificate from my brother, then both my half and my brothers will need to go to the estate through Suntrust. My estate lawyer said I should be able to claim the IRAs 100 % by producing my brother 's death certificate myself. 

I have tried to reach Suntrust online and by their customer service number, but was unable. 

I need a direct contact at Suntrust to respond with the correct answer from their legal department. Email preferred.
Product: Debt collection

On XX/XX/XXXX I mailed Diversified Consulants in XXXX a certified Letter *copy attached* for debt validation, according to the USPS it was received in their offices on XX/XX/XXXX, I requested validation of a debt they are reporting on my credit report .After 33 days I have received nothing from this company.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Specifically, the information regarding a closed XXXX  account contains discrepancies that violate the FCRAs requirements for accurate reporting. 
The issues I have identified with this account include : The " Date Last Active '' is incorrect. 
The " Last Reported Date '' is incorrect. 
The above inaccuracies lead me to believe the information on my credit report is incomplete and/or outdated, which could misrepresent my creditworthiness. Pursuant to the FCRA, all data reported must be accurate and verifiable. 
I request the following actions : That you investigate the inaccuracies I have noted above. 
That the XXXX  account be permanently deleted from my credit reports due to the reporting errors.
Product: Debt collection

I have 3 Account on my credit and is not mine, Im call credit bureau and collection agency and they dont delete for about 2 years
Product: Debt collection

Heritage Acceptance XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX XXXX ( XXXX ) XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit card or prepaid card

In XX/XX/XXXX the following items were fraudulently charged to my credit card : XX/XX/XXXX - {$350.00} XX/XX/XXXX - {$330.00} on XX/XX/XXXX a credit for {$330.00} posted XX/XX/XXXX - {$110.00} XX/XX/XXXX - {$130.00} I pay this card per item and paid all but the fraudulent items after reporting them to the card company on XXXX/XXXX/XXXX. 

On my XXXX/XXXX/XXXX statement the fraudulent items were refunded but a late charge of {$39.00} and a purchase fc of {$28.00} showed and somehow the balance was {$84.00} over what I show due when I pay my statement per item. I contacted company and was told the fees would be reversed. 

On my XXXX/XXXX/XXXX statement they only reversed the late fee and not the finance charge. And despite paying per item the bill is now {$420.00} over what I show due. 

I take pride in paying my payments on time but am concerned about the impact due to this company not getting their billing done correctly.
Product: Credit reporting or other personal consumer reports

I have created a myEquifax online account to access my credit information and be able to freeze/unfreeze my credit. For over a month, I have been unable to log in to my account and have been met with errors and to contact Equifax to have this resolved. I first contacted Equifax on XX/XX/year> with the issue. They noted that the constomer service agents on the line could not resolve the issue but created a technical support ticket to escalate the issue ( XXXX XXXX XXXX ). After calling back multiple times through the months of XXXX and XXXX to check on the status of the ticket, I haven't received any advancement in the resolution of my issue.
Product: Mortgage

several issues. 
forced me into FHA after forcibly holding up a refi which finalyl closed after my purchase. 
due to teh holdup-my debt/income ratio forced me out of conventional and into FHA ( or I would have lost the new home purchase ) second issue-they are holding over $ XXXX TOO much out for escrow account. 
third-they have on at least XXXX occasions admitedly recieved my payment on time but still charged me a late fee until i called them on it. 
they stated clearly they got payment on time but didnt post the payment until after it was late..
Product: Vehicle loan or lease

1 I tried to return my car in XXXX but was told that the dealership wasn't accepting returns 2 When I could return the car, I was told that I needed an oil change or I would be charged {$700.00} The oil change was {$350.00} which is extremely high XX/XX/XXXX was when I returned the car. 
BMW should have paid for the oil change as part of the warranty but it had expired because I couldn't return the car. 
3 I was told that the tire rim damage was {$1100.00}, also a high number on XX/XX/XXXX. 
4 I sent a note to BMW Financial services on XXXX and they said they would give me a credit of {$450.00}. 
I noted that I was returning the car with XXXX fewer miles than the lease ( a value of XXXX to BMW ) They said I could get a credit only if I bought another BMW I noted that I had signed a contract on a specific car but BMW then couldn't deliver the car. 
5 BMW then sent me a bill on XX/XX/XXXX without the {$450.00} credit 6 I sent them a note and they sent back a new bill 7 BMW sent me a billon XXXX with the XXXX credit but the charges didn't add up. 
8 I sent them a note saying the bill was incorrect on XX/XX/XXXX 9 They then sent me a revised bill on XX/XX/XXXX increasing the tire damage by XXXX. 
10 I sent them a note that I was paying the corrected bill and would file a complaint with the CFPB. 
11 I still think I am being overcharged because BMW should have paid for the oil change.
Product: Payday loan, title loan, or personal loan

I was given a loan for {$110.00}, upon arrival to pay the loan, the amount loaned was changed to {$XXXX}.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the fair credit reporting act NCB Management Services account # XXXX, has violated my rights. 
This debt was included in a multistate settlement between XXXX consumer and several states attorneys lawsuit including Florida state which its where my debt was issue. I need this account removed asap from my credit reports on all XXXX bureaus as which its affecting me to get credit. 
I dont have any contract or written agreement with this debt collection company.