23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I received a promotional balance offer from Barclays in XX/XX/XXXX, 0 % promotional APR through at least XX/XX/XXXX with a 3 % fee where the transaction must post to my account by XX/XX/XXXX ( copy attached ). I called in to their call center and processed a balance transfer under this program on XX/XX/XXXX. I just noticed on my recent statement that they are charging me 19.99 % where it should be 0 % through XX/XX/XXXX ( copies attached ). Please note they also charged me the 3 % on the {$11000.00} for the promotional fee. When I called their call center, on XX/XX/XXXX, and told her I had the offer letter in hand and read it to her and I told her she could also refer to the call center recordings, they told me that the offer had expired. I again told them that the offer was good until XX/XX/XXXX and I processed this on XX/XX/XXXX and they even charged me the promotional balance 3 % fee. The call rep then put me on hold multiple times for no reason, without notice, in the middle of me talking to her and finally I was cut off when they just forwarded me to a payment option.
Product: Vehicle loan or lease

I voluntarily turned my car over on XX/XX/XXXX after several requests for assistance that were denied. Santander Consumer USA holds the title to the car ( XXXX XXXX XXXX ). I have informed them 3 times via phone that I turned the car in to XXXX XXXX in XXXX, TX. The most recent call was made sometime in XX/XX/XXXX. At that time, the discussion with the company 's representation revealed that their records had not been accurately updated and was inconsistent with the details that I had provided during previous conversations. 

Santander Consumer USA continues to call me ( it is now XX/XX/XXXX ) and leave messages despite my efforts. I view this as harassment. I had done everything within my power to abide by the contract with Santander, was denied assistance in the form of contract renegotiation, and when I was no longer able to maintain the debt, I relinquished the vehicle and informed the company of the vehicles location at the time I turned the keys over to the dealership. 

Through some research I found that the company had agreed to a {$550.00} XXXX settlement - " Santander Consumer USA, one of the largest subprime auto lenders, agreed to a {$550.00} XXXX settlement 'with nearly three dozen states to settle charges of predatory auto lending to low-income and subprime borrowers, ' the Wall Street Journal reported. ... 'The settlement includes {$65.00} XXXX of restitution for consumers.May XXXX, XXXX '' Santander knowingly exposed borrowers to unnecessary risk and placed them into loans with a high probability of default, said Illinois attorney general XXXX XXXX , who led the coalition, the Financial Times reported. 

I hope that this information is helpful to anyone who may presently be dealing with Santander Consumer USA and that more people will be alerted to the company 's indifference to the best interest of their consumers.
Product: Debt collection

Van Ru Credit Corporation along with XXXX is attempting to garnish my wages beginning XX/XX/XXXX, for an old student loan. The original debt owner has already written this debt off and recovered from any lost funds. I have already been punished by having a derogatory account on my credit report for many, many years and now Van Ru Credit Corporation and XXXX have purchased this old debt and intend to make money off of it for a second time ( or perhaps more because that 's how these creditors operate, buying and selling these multiple times ) and negatively impact my livelihood. This is unscrupulous and in complete violation of the Fair Debt Collection Practices Act because the statute of limitations for this debt has run out. This loan occurred in Indiana and the statute of limitations for debts in Indiana varies from 6 years at the minimum to 10 years at the maximum. This debt occurred no later than XX/XX/XXXX, which is XXXX years ago. I am asking the CFPB to intervene on my behalf and aggressively halt all procedures by Van Ru Credit Corporation and XXXX to obtain any further monies from this expired debt.
Product: Checking or savings account

XXXX complaint filed already. No response from Key Bank. How long does this take. Just close my acct and send me my money!! CFPB has not done anything to help me!!
Product: Credit reporting or other personal consumer reports

I have disputed the information being reported pursuant to the Privacy Act and these XXXX companies are violating my rights. This is my last attempt to resolve before I seek litigations. Your company is misusing my information for unjust enrichment and I will seek actual and punitive damages if these items are not removed from my permanent credit file immediately. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX AND their affiliates are in violation of the privacy act of 1977 in addition to the FDCP, this is the final opportunity to cure. Proper validation of the alleged debt requires all IRS documents filed bearing my XXXX/Name from a certified third party accountant. If you do not provide documentary evidence for the alleged debt/sin you are required to block and remove the account.
Product: Checking or savings account

I had an unauthorized hotel charge a month in advance of the stay in the amount of {$1000.00} which placed my Navy Federal account into the negative, the hotel has cancelled the reservation and release the funds on there in but NFCU will not make my account positive until XX/XX/XXXX or XXXX per XXXX a supervisor today ; which has placed me in a financial hardship while traveling out of town. 

I applied for over draft protection for a second account before XXXX XXXX and a debit card associated with the account the rep assured me she was moving forward with placing overdraft on this secondary account effective after the holiday I received the debit card but find out today the overdraft protection was never set up on this second checking account, this could have eased my financial burden due to the unauthorized {$1000.00} charge and the primary accounts negative status, but to no avail. 

Audible has apprised me they have sent back additional monies to my Navy Federal account which NF indicates it is still not showing which amounts to over {$200.00}.

I have an accident claim which has paid and will post {$350.00} to my account this money could give me relief but it will fall into the negative account NF has been unwilling to resolve in a timely manner. 

In as much as I have submitted documentation to Navy Federal Credit Union showing the XXXX XXXX was cancelled and spoken with a supervisor NFCU refused to take additional mske my account positive my deposit of {$350.00} came into my account which would have assisted me while out of town but now my money is gone devoured by the black hole of a negative unauthorized account that NFCU refuses to resolve. 

I never removed the oops off of my second checking account in XXXX the supervisor today did not try to help me submit the application for it again although her colleague failed to do so last month ; she stated I could not apply because my account was in the negative well ego has it this way? Navy Federal its double jeopardy. I have been with them since XXXX and are very disappointed.
Product: Credit reporting or other personal consumer reports

A lot of FALSE DEROGATORY DEFAMATION XXXX still there after more than a year! The Criminals at EQUIFAX are CRIMINALS! They are DELIBERATELY VIOLATING THE LAW! AGAIN AND AGAIN AND AGAIN! INTENTIONALLY VIOLATING THE LAW! SHOCKING! They know- THEY KNOW- that the Laws say they they are supposed to remove false derogatory items within 1 month of that being reported- they know about those Laws- the Criminals at EQUIFAX have been deciding to deliberately violate those Laws! 


Outrageous! Terrible! Horrible! ABUSIVE!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to verify an account that is showing a repossession that is not correct. The account, XXXX XXXX XXXX, is showing it was repossessed in XXXX XXXX. I sent Experian proof, the title to the card, showing that the car was paid off and I held the title. They repeatedly claim their information is correct despite the proof that was sent. They are violating the FCRA and I would like to have the account removed from my report. XXXX and XXXX has accepted my proof and removed the account but Experian refuses to acknowledge anything I send them regarding this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I have found that your company is reporting inaccurate and incomplete information. I have already communicated with you several times via mail but it seems that nothing has been done on your end. I am exercising my right as a consumer and I demand that you immediately delete and remove this information from my credit report as you are hindering me in finding a stable job to provide for the needs of my family. 

-- FOR XXXX & EQUIFAX -- XXXX XXXX I found that XXXX persists in reporting these accounts as late when it comes to payments. It is definitely an indication of inaccurate reporting. Here are the accounts I am referring to : NEBR SOC SRV XXXX NEBR SOC SRV XXXX NEBR SOC SRV XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very frustrated at this time, my concern was not properly handled by Equifax, I've been writing letter for months and now did not get a clear explanation as to why they keep on saying the accounts were verified.Please carefully look at my name, social security number and date of birth. Do not confuse my credit file with people of similar name, address, or SSN. Verify all identifying information.. All claims true or not must be proven to be currently and fully TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP of my responsibility and or compliant to any and all applicable laws and requisite standards. The accounts XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX payment history were incorrect, false and error in reporting. Charge off with balance? is that even possible? Remove this thing from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX / XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX Balance : {$860.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1900.00} XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Charged off- XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3500.00} Charged off- XXXX XXXX XXXX **** Date Opened : XX/XX/XXXX Balance Owed : {$4800.00} Charged off- XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$2400.00} Charged off- XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5400.00} Charged XXXX XXXX  XXXX  XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6800.00} Charged off- XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance XXXX : {$790.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} XXXX
Product: Checking or savings account

When I opened my checking account the bank promoted {$300.00} if I have {$1500.00} direct deposit through XXXX  days After I had more than {$4000.00} direct deposit through XXXX  days the bank didnt pay me the {$300.00} and closed my account with no reason
Product: Credit reporting or other personal consumer reports

I received a letter from your company that you requesting the supporting documents and information for my dispute. Please see enclosed documents and information to resolve and investigate account in my file. 
AMER CR ACPT XXXX Balance : {$0.00}
Product: Debt collection

I am being billed for a bogus ambulance trip or service that I never had. It is from an ambulance company called  XXXX   XXXX , which gave a service date of  XX/XX/2016    on a statement I received from them dated  XX/XX/2016   , to which I replied on  XX/XX/2016    telling them it was an error and to stop billing me. They just ignored my letter and billed me again. Recently, I got a statement from a collection agency called Grant Mercantile Agency attempting to collect on this debt and threatening to report the debt to the credit bureaus. I have never used an ambulance and this billing is a mistake or an attempt to harass/intimidate.
Product: Credit reporting or other personal consumer reports

I looked at my credit report back on XX/XX/year> and noticed somethings are incomplete and not accurate. And according to the Fair Credit Reporting Act whenever a Consumer reporting agency prepares a consumer report it shall follow reasonable procedures assure maximum possible accuracy of the information concerning the individual at whom the report relates. These accounts, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXXXXXX 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 are not complete and accurate. 
And one more thing according to 15 USC 1681s-2 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 the beginning of 2018 I went to get dental work done at XXXX XXXX XXXX XXXX XXXXXXXX Tennessee. I was under the impression that my insurance covered it all. Then about a year later it a balance of {$600.00} shows up on my credit. Ive called the XXXXXXXX XXXX XXXX  in XXXX Tennessee and I was told that I could not dispute nor negotiate a lower price to pay.
Product: Checking or savings account

On XX/XX/2021 I initiated a transfer from my checking account at Chase Bank. I pulled {$990.00} from my checking account at XXXX XXXX. XXXX XXXX  only allows transfers INTO their accounts, so I could not initiate a transfer from XXXX XXXX  to Chase Bank. 

Today, ( XX/XX/2021 ) I went online to view my checking account ending in XXXX at Chase Bank. I noticed that the {$990.00}. had been deposited to my Chase account, however, farther up on the page, there was a note that said that my " transfer '' was being held, because Chase Bank states : " We need more time to collect the money from the paying bank so your deposited funds aren't available yet ''. 

I checked with XXXX XXXX. I was told that there is nothing they can do, since the transaction was initiated from Chase Bank. According to XXXX, the money has been transferred to Chase and is no longer available at XXXX. 

I called customer service at Chase Bank. I explained my problem, and was told I would need to be transferred to the " fraud department ''. After holding on the line for nearly one hour, the clerk told me that when I initiated the transaction, the fine print stated that Chase had permission to hold the money for as long as they desired. She told me that a department that could help me doesn't exist, and that i would just have to wait until XX/XX/2021. She was rude, condescending, and did not treat me with respect. She seemed to delight in the power that she had to tell me I had no access to my own money. 

Since I initiated the transaction at Chase Bank to take money out of my own account, solely in my name, at XXXX XXXX, it does not make sense to me that they would need 5 days to collect the money. I asked the clerk where my money was, if it was not at Chase and not at XXXX. She told me that it was in transit. I do not understand how it can take that long to transfer MY OWN MONEY from one of MY OWN bank accounts to another bank, with an account solely in my name. 

Since there is " no department '' that can help me, I am writing to the CFPB. I am a XXXX year old female, and I am on social security XXXX. My monthly income is {$2200.00} per month. Had I known that nearly half of my money would be held by Chase Bank for 5 days, I would have simply drove the half hour to XXXX to get my money and deposit it at Chase. I thought that internet ACH transfers were faster than the " old fashioned way '' of actually having to travel in my car to both banks. Obviously I was wrong. Now my rent is overdue, and I will not be able to pay the full amount until Chase Bank is done " investigating my transfer ''. 

All I want is my own money to be placed in my own bank account at Chase Bank, immediately. It is not fair to hold onto nearly half of my money so that Chase Bank can invest my money for 5 additional days. I realize that by the time Chase sees this complaint, it will probably be too late, but I want them to be aware of the ramifications of their actions, and I am going ahead with this complaint. I also want other consumers to know that their money may be held for as long as Chase deems necessary, in an arbitrary hold of their money.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX have two accounts showing two different amounts on my credit report. I wrote to Transunion, XXXX and XXXX  to have these accounts removed. I wrote to XXXX XXXX XXXX. 

I disputed both accounts, I disputed owing the debt, I have sent three letters to each credit bureau, and I have asked each company to provide proof of the contract I signed to show this debt and the amount of the debt belonged to me.

This is my final attempt to have the Credit bureau show proof the debt belongs to me. They have had a total of 120 days to show proof the debt is valid. This is my final attempt before taking all three credit bureaus to State Court for false reporting.