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

My name is XXXX XXXX. I have an account at Santander Bank. Recently I have fallen on hard times due to the Covid crisis. I work as a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX Ma. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I make {$14.00} per hour. I try to work 60-80 hours a week to make ends meet. But recently many of our clients have passed away due to the virus so my hours have been cut severely. Unfortunately I still have the same bills. I knew I would over draw my account. However I thought that Santander would clear items that clear the same day in order of amount so that smaller items would clear first thus reducing the number of fees in a day. Instead they clear larger items first in order to maximize the number of over draft fees. For instance on XX/XX/XXXX they charged me 6 overdraft fees of {$35.00} each and then charged me an additional {$35.00} fee for a {$10.00} item that cleared on XX/XX/XXXX. In the period since XX/XX/2020 I have received ( 52 ) {$35.00} fees totaling {$1800.00} of which I have made ( 3 ) requests and received only a refund of 8 of those fees totaling {$280.00}. Therefore Santander has collected a total of {$1500.00} in overdraft fees in 3 months. I get direct deposit every 2 weeks into my account at Santander but the net amount of my paycheck averages {$1200.00} so each payday half of my check is used against my negative balance for fees therefore I can not catch up and more fees happen. All I have asked is for them to charge the fees fairly. Clear small dollar transactions first. If they did that I would have received only a third of the fees that they charged. Please assist I cant even pay for my health insurance that is due today and I am so scared. 
The name and address that my account number is under is : XXXX XXXX XXXX XXXX XXXX XXXX Ma. XXXX Acct number ends in XXXX
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 XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 XXXX has violated my rights. 
15 U.S.C. Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section2 : It also a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

I XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

I XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

I didn't authorize this inquiries on my report. 

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

On Thursday XX/XX//25 at XXXX PT I sent a domestic wire transfer to my brother at Washington Trust Bank . My bank ( XXXX ) processed the wire transfer at XXXX PT. The wire transfer was not posted to my brother 's account until Friday XX/XX/25 at XXXX PT. It should not have taken 36 hours for a domestic wire transfer to post to an account and I would like an investigation opened to find out why it took so long. I have sent wire transfers to the same bank and account number in the past few months, and they have always been processed within the same business day. It is my understanding that domestic wire transfers, if processed by the FED cut off time, should be posted to the receiving account the same day.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  credit report shows a charged off amount. It currently shows I owe {$290.00} to ComenityCB/XXXX. I've contacted XXXX, who states I have no balance. I was given to the collections that advised me my account was sent to another agency, but he couldn't tell me who. He transferred me to the number, they are no longer taking calls. He offered to take the payment to remove it from my report. However, would not allow me to mail a check, an would not email me or mail me a statement. Also told me he didn't have the capability to remove it from my credit report. I consolidated my debt with XXXX XXXX  and a check was issued to XXXX for the {$290.00}, with the information showing it was cashed. ( I'll attach a copy ) I've disputed this with XXXX  3 times. 
Can you please help? I really feel I was being taking for a ride. The recovery specialist 's name was XXXX XXXX. His phone is XXXX Ext XXXX. The agency he was transferring me to that doesn't accept calls XXXX, then he tried another one XXXX. XXXX XXXX
Product: Mortgage

In XX/XX/XXXX Suntrust Bank would not take my mortgage payments for my property do to a credit line that I owed that was unsecured .Suntrust said I would need to pay the credit line in full ( XXXX ) before they they would accept any payments form me. ( I was confused ) I asked Suntrust Bank who I needed to talk to .They said to contact XXXX XXXX ( Senior Asset Bank Dept.Manager ). I called in XX/XX/XXXX and he told me no payment would be accepted unless line of credit was paid in full. Since I could not afford to pay the line of credit in full I listed the property up for sale in XXXX XXXX line of credit was charged off in XXXX. ( I have documents ). I sold the property on XX/XX/XXXX XXXX and when I went to settlement Suntrust charged me {$3200.00} in late fees and interest of {$38000.00}. ( I have documents ) I completed/finalized the settlement. The next day XXXX XXXX I went to Suntrust/Truist location ( XXXX XXXX Md ) .I was told my contact person was XXXX XXXX XXXX.I reached out and discussed the situation and he said that Suntrust/Truist would give me a refund on my late fees. They did ( I have documents ). The next day I called again about the interest, XXXX XXXX said he could not help but sent me a screenshot of his computer screen ( I have that picture ). Something is not correct no refund on interest but late fees, yes. I would not have been in this situation if Suntrust/Truist would have excepted my payment or did any other actions, so they pulled the note from me. I carried the insurance the entire time. I was advised to contact CFPB ( Consumer Financial Protection Bureau ). I look forward to hearing from you.
Product: Credit card

Citibank refuses to apply XXXX benefits to my account. I am a covered borrowed according to XXXX guidelines, as I am an XXXX XXXX member of the armed forces. Application of XXXX was requested 3 times via email, each was accompanied by proof of XXXX XXXX status. Each email was addressed by Citibank via a letter that stated I was not a covered borrowed at the time the account was opened, which is an incorrect statement. Finally, I called the credit card issuer, and the only explanation I was provided was connection to a recorded line explaining again that I was not a covered borrower at the time the account was opened. I was and continue to assert that I am a covered borrowed under XXXX, both now and at the time of account opening, and Citibank refuses to recognize it.
Product: Vehicle loan or lease

GM Financial is claiming that I was late with making payments and have not had any late payments in the past 20 years. I did not receive any statements from GM Financial in 2018 but consistently made payments by logging into the mobile app. I later learned that GM Financial made a mistake on my account and did not send my statement to my address ( XXXX XXXX XXXX, XXXX XXXX NY XXXX ) but instead sent them to XXXX XXXX XXXX, XXXX XXXX NY XXXX ). Upon learning of this information I grew worried that my personal information was sent to someone I didn't know and they told me the statements were returned as unable to deliver. I then asked how come no one from GM Financial reached out to me to correct or why their internal controls did not discover the entry mistake as my address is correct on all the lease documents and they did not respond. Furthermore, unbeknownst to me, GM Financial 's web page was in beta throughout 2018 and would present an amount due of {$0.00} and without a due date. I still made my payments because I knew I had too and have made every single payment. However, there must have been some timing issues in receiving these payments as they are stating I was 30 days late from XX/XX/2018 - XX/XX/2018. GM Financial did not acknowledge that they had any fault and would like an investigation into why there internal controls did not identify that my address was not correct ( especially since they received return mail ) and why I was placed onto a beta web page without my consent. I would like the late payments removed from my account and an inquire be made with GM Financial. Thank you for you consideration in the matter.
Product: Mortgage

I AM TRYING TO GET wELLS fARGO TO DROP OR DECREASE MY MONTHLY MORTGAGE INSURANCE PAYMENTS. I WAS SENT XXXX LETTERS THAT GAVE ME THE RUNAROUND AND THEY WILL NOT RETURN MY CALLS. TO TOP IT OFF, A WEEK LATER I RECEIVED AN OVERNIGHT FROM A XXXX PARTY I COULD ONLY ASSUME WAS LED ON BY WELLS FARGO WITH REGARDS TO FHA MI REDUCTION. I CALLED THE COMPANY WHO WAS JUST A MORTGAGE BROKER HOUSE TRYING TO GET ME TO DO AN FHA STREAMLINE REFINANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called the mortgage lender of my choice. Acquired preapproval for a mortgage. 

In the process, the lender checked my credit report. 

The next day I received not less than 15 unsolicited calls from mortgage lenders letting me know that the credit bureau had informed them that I was in the market for a mortgage loan. I asked which one several times and was told Experian. 

I never asked for mortgage offers. I have already secured the lender of my choice. I find it ridiculous that Experian would sell my info as a lead to multiple lending agencies without my consent ... inclusive of my PII and cellphone number! This should be illegal.
Product: Mortgage

RoundPoint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX CA XXXX Short Sale Package was submitted to RoundPoint on XXXX/XXXX/XXXX. The offer price is $ XXXX. 

Finally on XXXX/XXXX/XXXX we were told that they were looking for a net of $ XXXX. The rep we spoke with sent a message to their negotiator, XXXX XXXX, to call us back by the end of the day to discuss. We were assured we would get a call by the end of the day. No one called us. In addition, the rep we spoke with did n't even know what XXXX was. 

On XXXX/XXXX/XXXX we sent an email to XXXX XXXX requesting a call back. No one called back or even responded to the email. 

On XXXX/XXXX/XXXX we called RoundPoint again. We were told that they had " approved the short sale with a net proceeds of XXXX ''. However, they are refusing to provide anything to support the net proceeds, nor will anyone in their company discuss this with us in any way whatsoever. 

1. RoundPoint is outright refusing to return any phone call whatsoever to the Authorized Third Party. 

2. RoundPoint is committing valuation fraud by overvaluing the property and not allowing a value dispute. 

3. RoundPoint is violating the ECOA guidelines by not providing a copy of the Appraisal/XXXX as requested. 


4. I 'm pretty sure they are also violating their servicing guidelines and Defrauding their Investor, considering that no one in the company knows what XXXX is, and they are committing valuation fraud, and everyone in the company is refusing to call us back or speak to us on this matter.
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A : States I have rights 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: Credit reporting, credit repair services, or other personal consumer reports

I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( XXXX ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX : XXXX... 
XXXX XXXX XXXX XXXX  : XXXX I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Mortgage

I have spent countless hours trying to get this case No : XXXX resolved and the negative information removed from my credit report. In XXXX, CitiFinancial agreed that they had made an error in reporting Account Number XXXX to the credit bureaus. This account was removed from my XXXX and XXXX credit bureaus, however, It is still showing up on my XXXX and is causing my credit score to be lowered because of negative information. I am in the process of purchasing a new home and need this matter resolved ASAP. Please help me " FINALLY and TOTALLY '' get this negative information removed from my credit report. 
Thanks!
Product: Credit reporting or other personal consumer reports

I previously submitted a CFPB complaint ( ID : XXXX ) regarding the inconsistent balance between the original creditor and your collection agency. I also provided proof suggesting potential fraud due to my compromised personal information. Your response stated that you have not yet received documentation from the original creditor and would review it once received. However, it is not my responsibility to have an unverified account listed on my credit report due to your company 's delays. 

Additionally, I have identified new reporting errors. Your company is reporting payment history for this collection account, which is not permitted under the law. As per the Fair Credit Reporting Act ( FCRA ), I am requesting that you immediately remove account XXXX from my credit report.
Product: Checking or savings account

I let wells fargo know about the fraudulent charges today. 

i initiated an investigation with them, ive tried getting in contact with XXXX as well through their support number but no luck. 

Multiple Fraudulent transactions on my debit card going ti XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against TransUnion, XXXX, and XXXX regarding the continued reporting of a collection account by XXXX XXXX XXXXXXXX, which is in violation of the applicable statute of limitations under Oklahoma law. 

The collection account in question, identified by the following details : - Creditor : XXXX XXXX XXXXXXXX - Reported Date : XX/XX/XXXX - Balance : {$980.00} - Highest Balance : {$530.00} - Date Opened : XX/XX/XXXX pertains to an alleged oral debt, for which no signed agreement or written contract exists. According to the statutes governing debt collection in Oklahoma, the statute of limitations for oral debts is three ( 3 ) years, as prescribed by Okla. Stat. tit. 12, 95 ( 2 ).

Given that the purported debt was incurred more than three years prior to the current date, it is no longer legally enforceable. Despite the expiration of the statutory period, the aforementioned credit reporting agencies continue to report this debt as an active collection item. Such reporting is inaccurate, misleading, and constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ) ( 4 ), which mandates the exclusion of outdated debts from consumer reports.
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea why its there. I routinely check my report, but this time, unexpected discrepancies appeared out of nowhere. I even refreshed my browser, thinking it might be a glitch, but the unauthorized inquiry remained. This situation is beyond frustrating, and I need this matter resolved immediately. Please review the documents I have submitted thoroughly so I can put this issue behind me once and for all.
Product: Debt collection

XX/XX/XXXX in the amount of XXXX. Which I never have XXXX XXXX XXXX. And the stated vehicle XXXX XXXX which I never own.
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a XXXX XXXXdentity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a XXXX XXXXXXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX Transunion To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On ( XX/XX/XXXX, I retrieved a copy of my credit report and discovered an inquiries that I have no knowledge of. 

Because I did not apply for credit with any of the creditors, I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an investigation into all creditors inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if any creditor is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. I have attached a copy of my credit report for you to validate. I have 65 inquires all together Thanks in advance for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX Balance {$3000.00} XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX Account number XXXX Balance XXXXXXXX XXXX XXXX {$24000.00} XXXX XXXX Balance {$130.00} 15 U.S.C 1681 section 602 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 account without my written instructions.

15 U.S.C 1681c ( a ) 5 ) Section States : no consumer agency may make any consumer report containing any of the following items of information any other adverse item of infromation, other than records 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 know or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its a lot inquiries on my credit report that shouldnt be on there also from a XXXX XXXX  that I didnt live in, these are not my bills