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

I originally had a car loan with Gateway Lending XXXX XXXX XXXX  XXXX which closed down in XX/XX/2020 for their shady practices and sold to Santander. Well I had Santander prior, and they are not much better. I had my XXXX XXXX for 6 years and it was a very bad loan. My original cost for the car was {$23000.00}. I still owe $ XXXX and they have repossessed the vehicle. I did not really believe I owed Santander since Gateway posted a balance of {$0.00} on my account and credit in XX/XX/2020. Since they repossessed my vehicle two weeks ago, I have tried to call them to get it back by payment of the past due and fees and either they hang up, tell me I can get it and then the finale was the last yelling guy saying I could not get it back and demanded $ XXXX in two weeks. They are horrible people like Gateway and I can only imagine what others are going thru especially during these times. I want Santander to stop their harassment and horrible tactics to humiliate and degrade consumers. They ( Santander ) do not understand what us consumers have dealt with Gateway Lending prior. They will arbitrable state you were late and put fees on your account even when you were not ( gateway did this ). Many other consumers have echoed these complaints with them. It was hard to take a stand with them because they would just ruin your credit. I tried to inform Santander of these practices and also alert them of the lost of income which occurred this year. They did not care, they just took the vehicle and based my incorrect history with Gateway as leverage to deny me to get my vehicle back. They should know better with all of the class action lawsuits against them and the company they purchased Gateway. I never had a chance with the horrible loan I received and the horrible people I had to endure to try and get my car back. I needed to pay {$3700.00} by XX/XX/2020 and they will not allow me to get my car back! Instead they want a single mother like myself to go into debt with a vehicle that I will not own because they are the company and we are the little consumer. Shame on you Santander! I will let everyone hear the recordings of how your employees spoke to me during this time, during a pandemic and how you denied me the basic human decency to get my car back with a bad loan and bad companies like yourself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a bankruptcy that has been reported on my credit profile by XXXX. I received a correspondence stating that I needed to dispute the bankruptcy reporting with the data furnisher, XXXX XXXX. I disputed the inaccuracy of the data furnished by XXXX XXXX stating that there was an error on their part and that my profile was mixed with someone else 's with a similar name ; they removed the bankruptcy reporting from my profile on XX/XX/XXXX. I then resubmitted a dispute to XXXX. XXXX  replied in XX/XX/XXXX stating that the reporting was verified with XXXX XXXX as being accurate. XXXX  is being dishonest. I have attached the correspondence from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account XXXX XXXX, has violated my rights. 

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 an account without my written instructions
Product: Credit reporting

I am contacting you because I am exhausted after several months of trying to deal with the credit bureaus on my own. Several unknown accounts appear on my credit as well as addresses, names and addresses. I filed a police report, filed a complaint with the FTC and I filled out a fraud affidavit and sent that information into the credit bureaus and it appears my case is being over looked or no one wants to help me. 
I have tried to contact Experian in this regard for the past 7 months and I have not received a response after sending them certified letters that contain my disputesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I do business with XXXX I have reported them multiple times about fraudulently going into my account I called American express and told them I did n't give them authorization to go into my account on XXXX I did n't get paid til the XXXX how did they authorize a charge that I did n't say was approved before I got paid they have not given no answer and wo n't refund my money because they stated I do business with the company.
Product: Checking or savings account

I am writing to bring to your attention a concerning matter regarding unauthorized transactions that have occurred on my lost debit card account. As an XXXX  Chase bank customer who recently underwent XXXX XXXXXXXX, I was unaware of these fraudulent activities until recently. 
Upon reviewing my account statement, I discovered several transactions that I did not authorize or recognize. It appears that my debit card was stolen, possibly through the use of a cloning device. Given my recent XXXX XXXXXXXX and resulting limited vision, I regrettably did not notice these unauthorized transactions until now. I deeply regret any delay in reporting these fraudulent activities when I went to report this, I was told that there is nothing I can do since it was pass 30 days after transaction that I noticed. So they opened up a case and closed it which out ever even sending a letter to my home or a phone call. 
May I include that all transactions were done outside my living State. 

Sincerely hope that you can assist me in rectifying this situation promptly When filed police report XXXX XXXX is also willing to help anyway possible XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested debt validation several times with no response from XXXX XXXX XXXX regarding an account that they bought from XXXX XXXX acct # XXXX. I do not have any knowledge of this account and I would like them to provide a written contract with my signature that proves that this debt is legal and binding.
Product: Student loan

While in college at a public university, and having scholarships, grants and small amounts of federal loans, my brother and sister died in a car accident, I moved home right after. I transferred and began taking my classes online, I took out some loans to cover this, My step-father and mother promised to help repay them. They just started a business and it was on its way to becoming profitable. My mom all the sudden and became very ill, she was the cosigner on my sallie mae debt ( about $ XXXX ). Sallie Mae harassed me after she died to pay the loans in full and I made full payments for a year or so, I was about a semester away from graduating with my XXXX but could not because of my mother 's death. Then my step-father fired me, took all of my mother 's estate ( I was unable to afford a lawyer at the time ) and kicked me out of his life, I was homeless for awhile and I managed to get a new job and pay as much as I could on my loans. Sallie mae is harassing me at my new work, and calling me all the time. Many times they are very rude and do n't offer me anything, one time they reduced my payment and said it would bring my account up-to-date and it has not. They lied to just get some money from me. I am struggling and every time I call - they are very rude. I wish I could change the situation and be able to pay. I am struggling.
Product: Debt collection

FINAL NOTICE This Letter Serves as my Cease and Desist Final Notice of Refusing To Pay Debt You Obtained My Personal Information Fraudulently, I don't know Who you are and I don't have ANY CONTRACT AGREEMENT with Everest Receivable Services Inc, Everest Receivable Services Inc Has Never Given Me Any Real Monetary Value, They Never Put Any Real Value into my Account, Not Monetary Value Authentic Transfer. They Fraudulently Create This Account For Gaining Money. 
I Didn't Receive The Forward Flow Agreement You Fail To Send Me The Chain Of Assignment Your in Violations Of : Willful Non Compliance 616 Fraudulent Misrepresentation 623 ( a ) ( l ) ( B ) Failure to Provide VERIFICATION 609 ( a ) ( l )
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I deposited {$1200.00} via bank transfer into Venmo as I have created an account with their peer to peer payment service for the first time. That payment cleared this morning and upon attempting to use their service I was unable to retrieve any money from the account. They notified me that it would be 8 to 10 business days before someone would get in touch with me from account services in order to fill me in and provide the help I need to utilize their service. They stated the account was frozen. I demanded to have my deposit refunded and to terminate my account with their service, that demand was met with an explanation that there is nothing this particular associate could do to help me and I would have to wait to be contacted. 

This is predatory in nature as I have nothing on my credit report or history pertaining to PayPal, Venmo or anything of the sort that would lead me to believe perhaps fraud taken place under my name that I was unaware of. I have a business which utilizes PayPal to conduct transactions. The more appropriate way to put it is that we used PayPal before we ran into so much trouble with them, there was large scale, in my sense, maybe {$1000.00} or {$2000.00} total within a 60 day period where A client whom I have a long-standing business relationship with and was paid for several years via traditional check for the service I provided that same client fell into financial hardship and decided to go on a tirade with several companies they did business with, me being one, and disputed every single payment they had ever made over the course of a 2 to 3 months. In an effort to retain money and keep their business afloat. PayPal refunded their money, after I sent them a 2 year history of payments issued to my company by that client, they still sided with the consumer. I can only presume that my dispute with PayPal through my business account is why Venmo would knowingly accept a deposit for {$1200.00} with the intention of keeping it. 

However I do believe that is far from the issue as a business account held by an LLC would protect me, the individual, if I chose to open a personal account under a subsidiary of Paypal in Venmo. Their practices are predatory and deceptive they allowed a deposit to come into their account knowing full well they had no intention of me being able to use it any issue they have with my business does not pertain to myself as an individual and after reading what I read online I could not believe how many people were taken advantage of in my opinion by Venmo. Someone please help me with these guys as they have way too much money for me to try to take to court.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate and unauthorized collection being reported on my credit report by Experian. I have previously requested that the debt collector reporting this account cease communication with me under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), which states that debt collectors must stop all forms of communication after a cease-and-desist request. Despite this, this debt collector is still reporting the account to the credit bureau, which constitutes a form of communication that directly impacts my credit score and financial standing. This reporting violates the Fair Credit Reporting Act ( FCRA ) because the information is inaccurate and continues to be reported even after my dispute.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Experian regarding their continued inaccurate reporting of my XXXXXXXX XXXX loan account # XXXX, despite my repeated attempts to resolve this issue through disputes and corrections provided both by myself and XXXX. Experian is violating several sections of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ) by failing to correct these inaccuracies. 

Specifically, Experian is in violation of : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681e ( b ) Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681c Consumer Financial Protection Act ( CFPA ) - 12 U.S.C. 5531 I have attached a copy of the original correspondence from XXXX, dated XX/XX/year>, which confirms the correct balance and payment status of the account, proving that Experians current reporting is inaccurate.
Product: Money transfer, virtual currency, or money service

I attempted to redeem some series I savings bonds at citizens bank. I am a account holder and I have redeemed savings bonds in the past, the most recent being XX/XX/2019. I was told that this service was no longer being offered. I was referred to the Treasury web site which clearly states that a person can redeem bonds at their local bank.

As I stated before, I was referred to the Treasury Direct website which states that you can redeem these bonds at your local bank. It also gives the procedure to send these bonds back to the Treasury dept which then deposits the redeemed bonds plus interest into a bank account which you have to have to receive your money. I have been an account holder with this bank for many years through its three iterations first as XXXX, XXXX and finally Citizens bank. I was never given notification of the change of policy and I feel that it is very unfair at the least to not give notice until you try to cash the bonds. As it happens, I was counting on the funds that day to purchase a car and I could not wait seven days or more for the bonds to be sent to the Treasury dept and then for the funds to be deposited into my account two business days later.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. 
The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX Balance Owed : {$4300.00} ; XXXX XXXX XXXXBalance Owed : {$0.00}.
Product: Credit card or prepaid card

XXXX  has been non-compliant with removing the unverified account CREDIT ACCEPTANCE CO which has been deleted by XXXX  and XXXX. XXXX   and XXXX have both completed their research and determined that CREDIT ACCEPTANCE CO was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

Unknown person opened a credit card in my name, and made a charge with XXXX XXXX for {$200.00} on XX/XX/2015. This was identity theft/fraud. 

The debt collection agency, Aldous and Associates, has said they need a fraud report in order to wipe the charge from my credit report.
Product: Debt collection

There is a collection account on my credit report that I have continuously disputed because it is completely inaccurate. I do not owe the amount reported, and the collection agencies can not provide any evidence to prove and/or verify the account. The account keeps being transferred from one agency to another, with no accountability, while severely damaging my credit ( and my ability to refinance my home ) and creating a financial hardship by reducing my income. 

In the last year, this account has changed from XXXX to XXXX to Automated Collections to the current holder, XXXX. I have sent letters by certified mail asking all of these agencies to verify this debt, and they have not. Automated Collection/XXXX is not only reporting this inaccurate account on all three of my credit reports, but they are also intercepting any federal payment to me. They have reduced my XXXX income and they also withheld my federal tax refund. As of Tuesday, XXXX XXXX, 2016, a staff member from Automated Collection, XXXX, stated that they have my case in dispute and they will respond in writing in a few weeks. This is unbelievable and completely unacceptable! I still have n't received a response to date. I retired from my job for health reasons and this is creating a serious financial hardship. This is not my account! 

Following my series of disputes to the credit bureaus, I finally received a letter from XXXX XXXX last XXXX stating that they could not verify the account ( please see attached ), and would return the account back to the original creditor and delete it from my credit files. To date, it is still on my report, which is the account transferred to and now reported by XXXX. The credit bureaus keep sending me responses that this account has been verified, although neither XXXX XXXX nor XXXX ( or any of the other collection agencies ) can verify it, and despite my sending them a copy of the attached letter confirming this fact. 

During the first week of XXXX, I contacted both Automated Collection Inc. and XXXX again, and received the usual runaround. On the morning of XXXX XXXX, XXXX, an XXXX staff member, informed me that XXXX sent an email on my behalf to Automated Collection Services on XXXX XXXX, 2016, asking them to release the intercepted Federal payments, including our income tax refund, and said they are waiting for a response from Automated Collection Services. I never receive any responses or updates, while my credit continues to suffer and my income continues to be unjustly taken from me! I urgently request your help and assistance, as I have written several letters and made several calls, to no avail.
Product: Credit reporting

I wish to make a formal complaint about a XXXX XXXX Public Entry on all XXXX credit bureaus. This Judgement described in these Public Record entries has been resolved and satisfied. Date of filing for this judgement was XXXX/XXXX/2011, Reference # XXXX, for XXXX XXXX XXXX XXXX XXXX. 
Despite this judgment being satisfied, it seems to present continual misinterpretation that this judgement is still outstanding and active with a balance. 
I feel this is unfair to my credit standing, and this is my only negative remark of my credit report and does not truly reflect my credit worthiness to date. 
I recently used the services of XXXX Law firm to review my credit worthiness and they seem to indicate that this public record was active with an outstanding balance when in fact the credit bureau reports I obtained personally and direct correspondence from the Law Firm representing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : Acct. XXXX, XXXX XXXX XXXX XXXX ), who handled this judgement, indicates that this judgement has been satisfied and case has been closed. I have also enclosed proof of closure in XXXX XXXX XXXX, XXXX XXXX XXXX. 
In light of this information, I feel all XXXX credit bureaus should delete these potentially negative records to avoid further confusion to potential creditors in the future.
Product: Credit card

I was billed for an automatic renewal from XXXX which was never authorized for {$140.00}. They have a supposed number to call XXXX which refers you to contact them via email at support.grammerly.com, which is a bogus email address. I have reached out to them and still no reversal of charges. I also reached out to Nordstrom where the fraudulent change was made and they changed my card and investigated. The result is they are rebelling my card of the charges and the customer service representative stated it is none of my business who they spoke with at XXXX, but was going to rebill my credit card with interest. These were not authorized charges, and I posted a cease and desit with a refund on their site, being over indunated with specials not wanted. This business needs to refund all charges and stop unwanted emails. Their services are false and don't do what they claim at all. 

The XXXX charges were also never authorized. i do buy XXXX at the station, however my car only hold {$50.00} worth of XXXX  and I have never authorized the additional {$5.00} they are charging. The Nordstrom customer service person stated not my business who she talked with.
Product: Credit reporting or other personal consumer reports

I repeatedly sent letters asking to settle to the debt in 4 payments and requesting to negotiate with the company since they initially ignored my 1st few verification notices.

Instead of negotiating with me and working to settle this debt, they've repeatedly re-sent me " Debt verification '' letters when I've attempted to communicate about settling the debt.
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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX Balance : {$25000.00} Consider this as a follow-up complaint to my previous complaint
Product: Checking or savings account

opened a checking account with chime XXXX and made 3 deposits totaling XXXX also on XXXX i made a reservation with XXXXl to rent a truck using the debit card information given to me in the chime app. when i went to pick up the truck i was told the transaction was denied due to an issue with my account. i go to open the chime app on my phone and i receive a message telling me the account is locked. i checked my email, text messages and phone for missed calls. nothing from chime informing me why the account was locked. i call and speak to 5 chime agents and 4 supervisors and what it get from 1 supervisor is that i need to submit my government issued id and ss card and a bill with name and current address to chime support. so i emailed information to XXXX. this same supervisor said she would escalate the matter. i call back and reach XXXX a supervisor who says he could not see the information i emailed to chime support. but later in the conversation he claims he can see the info submitted but i had to wait for a response from chime support. XXXX i call and speak with XXXX whos says he could not see information that i submitted the day before and that i have to wait for a response from the chime support team. with each member of the customer service team i informed them of the fact that i made deposits to the the account and i want my money returned to me. i told them to close the account and simply return my hard earned money. i have never had an experience like this before with a financial institution. the money i deposited to the account i want it back and the account closed. i almost used this company for direct deposit. im so glad i did not make that move..... i have proof of the deposits made to the account. I want the deposits returned and the account closed. thank you to whom ever will be investigating this matter. XXXX XXXX UPDATE : as of XX/XX/22 the support/ review department is requesting i resend identification information and proof of address again after submitting the information 5 times to the review/support department.