23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX I called Santander, the bank who was handling my personal loan, to inform them I was paying the account off, and sending a {$20000.00} check via XXXX the following day, XXXX. On that date, I mailed the check to the address stated on my monthly statement. A tracking number was given to us by the XXXX and it was followed, showing that the check arrived at that address on XXXX. On XXXX I called Santander back, wanting to make sure the account was closed, since the check sent was above and beyond what was owed. After talking with a representative, who seemed to give me a run around, telling me the check never arrived. I then asked to speak to a supervisor and asked her name. She responded XXXX. I told the situation and gave her the tracking number and she confirmed that yes, the check had arrived on the XXXX of XXXX, as the tracking number indicated. She told me not to worry, that the account would be processed within XXXX days, and that in fact the last payment, which was an autodraw, was reversed back to us, and that she also stopped any further autodraws from my bank. That was a lie. She also said we could call back the following Monday or Tuesday, to confirm account had been closed. I waited until XXXX to call back, giving them plenty of time to close the account. It was not. I had to talk to another supervisor by the name of XXXX, telling me she was from a XXXX XXXX  branch. She had no clue about this issue, to where I had to again give her all the information, ie ; tracking number, check number and amount, and so forth. She couldn't find anything. However, she said she would check on call me back on XXXX. I am waiting
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for 6 weeks until XXXX while I was in a XXXX  whoever got my wallet from my pocket XXXX XXXX XXXX XXXX XXXX XXXX XXXX maxed out the 3 credit card which were in my wallet to the sum of XXXX I made each credit card company aware of my situation all reversed the charge for good except I My GM Rewards card I email and mailed all documentation from the hospital stating I was in a XXXX when the charges occurred
Product: Checking or savings account

On XX/XX/XXXX, two charges were made on my debit card to XXXX XXXX 's. The totals were {$240.00} and {$79.00}. I did not make these charges and immediately reported them to Chase. They reversed the charges on XX/XX/XXXX. On XX/XX/XXXX, Chase charged me again for these charges. They told me that they had reviewed my complaint and determined that there were no fraudulent charges made. I told them that I did not order these items and also never received these items. I live in XXXX. Chase told me that the items were delivered to someplace in Massachusetts. They said that since XXXX XXXX 's knew my billing address, I had to pay for these items. I have never bought anything from XXXX XXXX 's and have no idea how they would have my billing address, but I never ordered these items. I want my money refunded. The total amount is {$320.00}. I would also like Chase to provide me with the shipping address so I can contact the police in that city and have them open up a crime investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX  ( Original Creditor : XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Bank account or service

As a customer of TD Bank, my checking account was debited by TD Bank for {$2500.00} in overdraft fees from XXXX XXXX, 2015 - XXXX XXXX, 2015. Please see attachment. 
I believe my bank has inappropriately applied overdraft fees on my account in excessive amounts. Can you please investigate this matter and any prior period? 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates is incorrectly reporting the date of a debt they have purchased. They are listing the date current as of the time they purchased it which is incorrect. The date should reflect the date in which the original account was closed. I have attempted to contest this with them and they continue to incorrectly report the debt. I believe this affects my credit score as this debt has been paid/charged off in the past.
Product: Consumer Loan

Titlemax used predatory and evasive techniques when procuring a loan from them. I was in a desperate situation, as I was unemployed and my California Unemployment had not kicked in yet. 6 months ago, I made attempts to return the vehicle to them and they refused to take it back to satisfy the loan. I had no luck selling the vehicle without the title as people are not comfortable with that scenario ( Can you blame them? ). I stopped making payments, as all payments were going towards interest and not principle. Titlemax refuses to collect the vehicle in an effort to continue to collect interest on the account!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX should not be reporting to Equifax and XXXXXXXX a collection/chargeoff in the amount of {$3400.00} on THE XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) On XXXX I provided the apartment manager a formal written notice, signed by a notary, that I would be vacating the premises and terminating my lease that was ending on XXXX. This notice was provided within the ( 60 ) day time period outlined in my lease. I have attached a copy of the written notice which was notarized for reference. This account is not in collections, there is no outstanding debt owed. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted The XXXX Apartments, as well as the bureaus to remove this however, I have not been successful.
Product: Debt collection

On XX/XX/XXXX, spring oak capital try to collect a debt thats not owe by me ) XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$1700.00}
Product: Checking or savings account

On XX/XX/XXXX, i was notified by XXXX XXXX of a suspicious charge that i did not make. I then checked my online banking with USAA and saw that there was a charge of {$2200.00} made at XXXX XXXX which i did not make. I immediately called USAA to report the unauthorized charge and they cancelled my card and opened an investigation. I subsequently found out upon returning to my car that my vehicle was broken into and my XXXX XXXX Credit card and my USAA Debit card was removed from my wallet. USAA temporarily refunded the amount of the charge back into my Checking account. 

On XX/XX/XXXX i received a letter from USAA informing me that the charge at XXXX XXXX was a legitimate charge and they would be recovering the {$2200.00}. After learning of this I called USAA and requested they re-open this case and i also advised them that i was the victim of a burglary as well as understanding that nobody knows my PIN #, so the fraudulent transaction at XXXX XXXX should of never went through in the first place. I am also in possession of my California Drivers License which was not taken with the XXXX cards so I dont understand how someone could make such a large purchase without presenting an ID or verifying my PIN number. 

On XX/XX/XXXX : I received another letter from USAA advising me that they have still determined I am responsible for the fraudulent use of the Debit card and will not refund my money. It should be noted that XXXX XXXX determined the charges made on that card fraudulent. Any help you can give me with this would be very much appreciated if i can provide you with any additional documents or information i would be happy to do so. 
Thank you very much XXXX XXXX
Product: Debt collection

This is a new complaint. I have requested a WET INK signature validation for this debt on XX/XX/17 via CFPB. I received a copy of a statement for an account that has yet to be verified by the WET INK signature requested. According to Tennessee state license verification, Portfolio Recovery Associates is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from all credit bureaus. The collection amount reported is {$370.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXXXXXX Balance : {$0.00} DEPT OF EDXXXX  XXXX Balance : - ( XXXX XXXX ) DEPT OF EDXXXX XXXXXXXX Balance : - ( XXXX XXXX ) DEPT OF ED/XXXX XXXX Balance : - ( XXXX XXXX ) DEPT OF ED/XXXX XXXXXXXX Balance : -
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error
Product: Checking or savings account

Last month we went into Alaska XXXX XXXX XXXX for the first time ( of many to come ) to try to open up a checking account. However, ChexSystems kept coming up with a " zero score '' for me. So they were unable to open the account or tell me why I couldn't so I contacted the agency and they told me that they couldn't tell me why I was unable to open an account but that they would send a report in the mail telling me. So weeks pass... I finally get a report in the mail telling me possible reasons why. Nothing concrete. We figured, okay, whatever, we just moved here so maybe after solid employment in this area for a couple of months we'll be able to open the account. So we eventually go back to Alaska XXXX XXXX XXXX two other times. The second time we eventually ask for the branch manager who goes on to help us call ChexSystems and have them disclose why they wouldn't give us a reason why we got the " zero score '' so we couldn't open the account. They responded with multiple " we don't provide that information, the bank does '' So the manager said " we don't even have that information it's from your company so how are we supposed to tell that to the customer '' Round and round we go. ChexSystems has been the worst government agency we have ever had to deal with. What a shitshow. One of the executives of the bank eventually reached out to ChexSystems directly and they wouldn't give any information again, telling them to have us call them again with a customer relation number on our report. Called again, they again said that they don't have or share information.
Product: Credit card or prepaid card

Legal Entity : Citibank , N.A . 
Product : XXXX XXXX XXXX Card Description of Issue : On XX/XX/2021 I instructed Citibank to close my XXXX XXXX XXXX XXXX via phone. I directed all payments to be paid in full ensuring account closure on the date of the phone call. This resulted in a final payout of XXXX on the date of closure ( XX/XX/2021 ). Following account closure, Citibank charged interest to my account of XXXX for the month of XX/XX/2021, then an additional late fee of XXXX on XX/XX/2021. These late fees were paid upon realization of said fees on XX/XX/2021. Citibank staff did not inform me of these interest charges or fees at the time of closure. 
Desired remedy : 1. Citibank , N.A . to return all interest and fees charged following account closure. 
2. Citibank , N.A . to ensure no negative reports occur on my report to the credit rating agencies and confirm when those reports have successfully been expunged.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act all of the companies listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USCODES1681 section 602 A - States I have the right to privacy 15USCODES1681 section 602 A section 2 - It also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15UBC1681B ( C ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries, expect as provided in sections 15 USC 168g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record inquiries in connection with credit or insurance transaction that is not initiated by a consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15UBC1681B ( C ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries, expect as provided in sections 15 USC 168g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record inquiries in connection with credit or insurance transaction that is not initiated by a consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15UBC1681B ( C ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries, expect as provided in sections 15 USC 168g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record inquiries in connection with credit or insurance transaction that is not initiated by a consumer. 

unauthorized inquiry : XXXX date of inquiry XX/XX/XXXX
Product: Mortgage

In XXXX of 2015 I requested a payoff quote from Seterus. I received the payoff quote on XXXX XXXX, 2015. Per the instructions of the payoff quote I called the main XXXX customer service number on XXXX XXXX, 2015 to verify the final payoff amount. I spoke to one of the company 's customer service representatives. The representative advised me that because of the payoff amount was so little that I could make the payment over the phone. I questioned the representative about the accuracy of this because the payoff quote letter advised that I had to overnight the payment or wire the payment from the bank. The representative advised that he would need to check with a supervisor to verify. He came back to the phone and advised that it would be acceptable. He then advised that he would need to do two checks over the phone and charged me {$10.00} to complete this transaction. 

On Tuesday XXXX XXXX, 2015 I called Seterus to inquire as why my account was not showing that the loan was paid off. I was informed that the way I made the payment was incorrect. I explained that I was just following the instructions I was given. The rep assured me that she would request to have my payments applied correctly to my account. She also explained that this would take approximately two to three weeks. 

On XXXX XXXX, 2015 my account showed that I did not owe a payment until XXXX XXXX, 2015. I called Seterus again and was told that the payment processing department was backed up in processing my request. The rep advised that he would send in another request and that it would take another two to three weeks for this to go through. 

On XXXX XXXX, I called and asked to speak to a Supervisor. I spoke with a Supervisor and she advised that she would call me back in a couple of days. I called her on XXXX XXXX and she advised that she did not have an answer for me at this time. On Monday XXXX XXXX, 2015 I called yet again. This time I was told the reason my payoff was not processed was because my insurance payment came out of my escrow account, and that I needed to request another payoff. I reluctantly agreed to request one. I was told that the payoff quote would arrive in the mail this week. I never did receive my payoff quote, but instead I received a late notice advising me that my XXXX payment was now late and that I was being charged a late fee. 

At this point I am convinced that Seterus does not want their customers to pay off their mortgages. I have gotten nothing but the run around whenever I call to get this straightened out. I called Seterus again today, and was advised that my request to have my payment applied to my payoff was still being processed and that it would take at least thirty days. We are quickly approaching sixty days since I have paid my mortgage off, and Seterus will not give me credit for that. 
Seterus is now asking for an additional {$840.00} to pay this loan off. They are asking for property taxes to be paid to them. Why would I pay them additional property taxes when I am paying the loan off before the property taxes are due? They just continue to hold my money hostage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to agent is notice to principal, notice to principal is notice to agent I have been deceived and misled about the use of my credit they have misinformed me and after checking the fictitious contract they created I have spotted and seen that it states very clearly that the security originally is more as the car has been paid in full the moment I gave them access to my credit to my credit 15 usc 1602 ( I ) credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I gave them my credit card and it entered me into a consumer credit transaction and that created a finance charge in pursuant to 15 usc 1605 ( a ) Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction.

In Pursuant to 15 USC 1681a ( 2 ) ( B ) Anything with my credit card which defined in TILA is my SSN should be excluded from my consumer report.

In Pursuant to 15 usc 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include. ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Furthermore they used misleading means to attempt to collect an alleged debt, In pursuant to to 15 usc 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the XXXX, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 

This is hurting my lively hood and I cant apply for anything. This has affected my mental space and stressed me beyond measures that it has caused my mental health to get to it's lowest point. I am demanding that the account with Safco, XXXX XXXX and XXXX XXXX  be deleted from my consumer report XXXX XXXX, Beneficiary ALL RIGHTS RESERVED
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I took out a loan with 605 lending which is owned by fsst management services for XXXX dollars ..This loan is an illegal loan in the state of Illinois per the Illinois payday loan act which states a loan company must be licensed in the state of Illinois which this company is not therefore making this loan illegal ..Per Illinois state law a loan company can charge a maximum of 99 percent interest annually and this loan company charges 720 annual interest therefore making this an illegal unenforceable loan per the Illinois payday loan act ..to date I have paid XXXX Dollars which is the principal on the loan ..would like this loan to be settled for the XXXX already paid and no further contact with company ..
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Citibank closed my business bank account without notice or reason : Call made XX/XX/2022 at XXXX 1. My funds were sent to incorrect address eventhough branch manager corrected address in my presence. 

2. new check was never sent and when I called citibank refused to provide tracking number. 

3. Agents did not want to even discuss my account and when I asked for supervisor agent pretended the line had gone dead but I could her her breathing. At this point agent transferred me to a supervisor. 

4. spoke to supervisor XXXX XXXX ID XXXX on XX/XX/2022 at XXXX. She stated that they AGAIN sent check to wrong address. She also stated she did not have a tracking number and it could be months to get check. 

Resolution requested : 1. I want my funds of {$16000.00} refunded 2. I want my funds sent overnight 3. I want an additional {$12000.00} for damages caused for funds not been returned and payments missed by my business in addition to damage caused on my credit reports caused directly by check not being sent correctly. I am happy to outline caused damages. 

Here are the numbers you can reach me at : XXXX. Office : XXXX XXXX. XXXX XXXX XXXX. Additional Office XXXX XXXX. Additional Office - XXXX Ext XXXX XXXX. Additional Number XXXX Ext XXXX XXXX. Additional Number - XXXX