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

I closed a personal checking account held at what is now Santander Bank on XX/XX/XXXX. The bank has it closed as of XX/XX/XXXX. Regardless they still send me Statements, which show a XXXX balance. I tried on a number of occasions to correct this problem, get them to acknowledge that the account is closed and to stop getting the statement, both at the branch and with the Company headquarters. 

The latest attempt was on XX/XX/XXXX, where XXXX XXXX XXXX provided me with a letter on Santander letterhead, stating that I do 'not hold any open consumer deposit at Santander Bank NA '. He advised that I would not get any additional mailing from the company after XX/XX/XXXX. 

XXXX XXXX is a Santander Personal Banker at XXXX XXXX XXXX XXXX, XXXX NY XXXX Branch ( XXXX ) XXXX. 

Recently I received a 'Statement Period XX/XX/XXXX-XX/XX/XXXX Santander Value Checking statement '. It shows a XXXX dollar balance and below that in the section 'Important Notice ' it states 'We may begin charging an Inactivity Fee '. 

Kindly assist me in getting this account shut down and ensuring that Santander stops mailing statements to me. 

Thank you for your assistance.
Product: Debt collection

Received phone call today at XXXXXXXX XXXX. I have a dispute active with this agency for all three bureaus and they still contacted me. I understand this is a serious issue please help. The debt in question isn't Mine in the first place, hence the dispute
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed I had fraudulent accounts on my report.
Product: Credit card

Citi bank with out my authorization enrolled my account in XXXX credit card protection program. Once I realized this I terminated the program and requested a refund for the total amount charged to my account based on the 2015 settlement Citi was ordered to pay. Citi bank only refunded me for XXXX month. I have filed a claim with the better business bureau and have heard nothing from Citi and still have not been refunded for the monthly charges that Citi charged to my account.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX, XXXX # XXXX, Account Name : XXXX XXXX  XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX 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 repo
rting agency can not furnish a account without my written instructions.
Product: Vehicle loan or lease

This company American Credit Acceptance is a scam. I had no idea i would be paying a double finance amount of XXXX the car loan ends up being XXXX for a 2015 XXXX. Also, they made me put down XXXX $ which is against the law leaving me with an extremely high interest rate knowing that I could not afford that according to my income that I provided to the company. This was not properly investigated.
Product: Credit card or prepaid card

XX/XX/XXXX I requested a new balance transfer with a new credit card. I requested a certain amount and received an email confirmation. XX/XX/2020 I went online and discovered a second balance transfer was submitted for exactly the amount that would max out the credit line. when I spoke to hsbc bank, they claimed 1, it was a bank error. then they claimed it was my error. then they claimed it was fraud. The original balance transfer had all my bank info that they could tell me and then the unauthorized charge was blank with no information. Six reps could not assist me. This is clearly internal fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX account # 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 a account without my written instructions
Product: Mortgage

sent in final payment to Mr Cooper mortgage company. I had about XXXX dollars still to pay on my loan. I sent in XXXX which was my normal amount and figured they would refund the extra money. The check cleared on XX/XX/XXXX. I finally contacted them on XXXX XXXX after nearly 4 days of trying to get through. At that time explain to them what I was after l told d OK they would br back in touch. I waited for a week then called back and the lady I spoke to told me to send in a disagreement form to an email address. I sent the form and all the information that I had and that was requested. I received a letter from them dated XX/XX/2022 telling mt they would be back to me in 15 days with the information. 15 days goes by with no calls or letters. I call the number they offered me to use and explained the issue again and she told me she would check on it and call me back. Never happened so I tried again and got the same lip from them. 
My loan waws sold to this company with 1 payment left on it, the first company was XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I was affected by the data breach impacting Equifax consumers between XXXX and XXXX XXXX. I have been unable to get confirmation from Equifax directly, as their call centers and data centers are understandably under heavy strain ( unable to get through on phone, and impact assessment page gives no answer ). 

However, since the breach was reported, I have been receiving a disproportionate number of calls to my personal phone -- multiple per day, sometimes per hour. It 's as close to correlation as I can get, for the moment. I 've already placed a 90 day fraud alert with all three agencies, so this report is just following through with the formality.
Product: Credit reporting or other personal consumer reports

None of my loans ( including my closed loans ) from XXXX are being reported to TransUnion. They are showing up on XXXX and XXXX, but not TransUnion. I reached out to TU and they are not receiving any information from XXXX. I have sent XXXX XXXX separate inquiries, with the first on XX/XX/year>. 

XX/XX/year> ( from me ) : " Hi. I see that my loans have been reported to both XXXX and XXXX. However I noticed that they did not appear on my TransUnion report. I contacted TransUnion and they said that they do not receive any information from you. Can you please get in touch with them and resolve this? I need my loans to also be reported with TransUnion '' On XX/XX/year> ( from XXXX ) : " Dear, Thank you for contacting XXXX. 
Regarding your request ( XXXX ), XXXX has submitted a request for a credit review. We do apologize for any inconvenience this may have caused and we appreciate your patience. 
If you have any other questions or concerns, please contact us at the number listed below.

Sincerely, Customer Advocacy Team '' Note that they did not include a phone number. 

On XX/XX/year> ( from me ) : I just recieved a message notifying me that XXXX has submitted a credit request. What does this mean exactly? Will my loans be reported to TransUnion now? 

I did not hear from XXXX. 

I then submitted a Complaint on XX/XX/year> " Can I please get a response on my Credit Reporting issue? You guys sent an extremely vague message and I have reached back out for clarification, but have heard radio silence for 10 days. '' No response. 

I submitted another issue request on XX/XX/year> " Can I please get an update on my student loan reporting to TransUnion? They are on both XXXX and XXXX but not TransUnion. I contacted TransUnion and they mentioned that they have not received any information from XXXX. I submitted a request a month ago and received a very vague inbox back saying a credit request has been put in. Can I get an update on the request? Will the loans now start showing up on my TransUnion report? '' No response. 

I received a reply to my second issue request ( from XX/XX/year> ) a few days ago ( around XX/XX/year>, don't have exact date ) : " Thank you for contacting XXXX, Dear, Thank you for contacting XXXX. Please accept our sincere apologies. We regret that you had a less than satisfactory experience during your interaction with us. We value your feedback, as we understand how important it is to offer exceptional service. 
Regarding your request ( s ), XXXX has submitted a request to expedite the recent credit review request. We do apologize for any inconvenience this may have caused and we appreciate your patience. XXXX will reach out to you in a separate correspondence once completed. 
If you have any other questions or concerns, please contact us at the number listed below. 
Sincerely, Customer Advocacy Team '' I have not received anything back. I am extremely frustrated at how incompetent XXXX is and the fact that this shouldnt be an issue in the first place.
Product: Credit reporting or other personal consumer reports

I've raised disputes regarding a particular account with TransUnion multiple times over the past 2 1/2 months. However, after each purported " investigation, '' the outcome consistently asserts the accuracy of the reported information. It is imperative to emphasize that TransUnion bears the responsibility of exclusively reporting precise and truthful information. Attached to this formal complaint are supporting documents for verification. It is truly unreasonable for me, as a consumer, to invest my time in rectifying errors made by one company through the intervention of another. So, I do want to thank CFPB for their time and dedication to holding companys like TransUnion accountable for their actions.
Product: Credit reporting

XXXX incorrect information. 
Previous balance of {$410.00} was the original purchase in XX/XX/2016, I was never late since the interest was 0 % for 1 year or 19.5 % if not paid in full. Original purchase was paid in full back in XX/XX/2016, no more additional purchases were done, and will never do!!! 
Payment : # XXXX Monthly???? I did pay monthly as shown on the attached XXXX statement .... 
Thank you in advance for your great support!!! CFPB
Product: Credit reporting

Transunion is reporting my XXXX XXXX XXXX Account ( XXXX ) 30 days late for cars purchased in XXXX ( XXXX XXXX ) and in XXXX ( XXXX XXXX ). 
In XXXX, the XXXX XXXX was paid in full by the credit union and the payment was not late. 
In XXXX, the XXXX XXXX was paid within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX amount {$570.00} XXXX XXXX OPEN XXXX XXXX {$850.00} these accounts had to be opened fraudulently in my name. I never had either of these accounts opened.. I'm requesting that they be removed these fraudulent accounts from my credit report. Reporting to XXXX and transunion
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report from XXXX Experian & XXXX I noticed a account that I have no knowledge of I filed a police report with my police station I filed a FTC report and a letter validating my complaint I also submitted proper identification The credit bureaus failed to do a proper investigation and they continue to validate the account
Product: Credit card or prepaid card

Notice and Demand for Payment Notice to Agent is notice to principle. Notice to principle is notice to agent. This Notice and Demand for Payment is to recoup the exact value of the illegally collected debt in the amount of {$4900.00}, interest rate is set at 24.99 %, as of the date of this notice currently on the Social Security # XXXX personal credit reports. A Notice of XXXX will be placed against the property of the corporations and persons involved with the illegal collection of this debt. 30 days from receipt of this notice will be allowed for cure. Prior settlement offers are null and void. 

It is accepted that Creditor, by not validating the alleged debt, are the illegal collectors of this debt and that their assets and the assets of the employees, owners and partners of these corporations are severally, individually and personally liable for this amount in this Notice and Demand for Payment. Though validation of the debt was attempted through mail, no validation occurred and the debt is now being collected illegally. 

This injury and harm to the person will be offset in the exact amount illegally collected as compensatory damages. To get a Satisfaction of XXXX and dismissal of current and future court actions, simply mark the credit reports of the Client person as paid in full and on time. 

Revelation 9:11 ( KJV ) 11 And they had a king over them, which is the angel of the bottomless pit, whose name in the Hebrew tongue is Abaddon, but in the Greek tongue hath his name Apollyon.

Psalm 23:4 ( KJV ) 4 Yea, though I walk through the valley of the shadow of death, I will fear no evil : for thou art with me ; thy rod and thy staff they comfort me. 

By : XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Pocollect XXXX, TX XXXX Subject : Cease and Desist Unauthorized and Unverified Debt Collection Activities Dear Pocollect, I am writing to formally request that you immediately cease all collection activities related to an alleged debt you claim I owe. It has come to my attention that your company has reported this debt to my credit report without providing me the legally mandated opportunity to verify or dispute the debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Your actions violate my rights under the FDCPA, which explicitly requires that a consumer be given notice of their rights to dispute a debt within 30 days of being contacted. Additionally, I have discovered that your company is not registered with the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) to engage in debt collection activities in the state of Texas. As such, your actions appear to violate Texas Finance Code 392.101, which mandates that third-party debt collectors be properly bonded and registered to collect in this state. 

Given these issues, I demand the following : Immediate cessation of all collection activities, including but not limited to communication with me, reporting to credit bureaus, or taking any legal or extralegal actions. 
Removal of all references to this alleged debt from my credit reports with all major credit bureaus ( XXXX, XXXX, and XXXX ). 
Written confirmation that no further attempts to collect this alleged debt will be made unless proper verification is provided in compliance with both federal and Texas law. 
Failure to comply with this request will leave me no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Texas Office of the Attorney General, and other appropriate regulatory bodies. Additionally, I reserve the right to pursue legal remedies for violations of my rights under applicable laws, which may include seeking damages, legal fees, and other costs. 

This letter serves as your formal notice. Please direct all correspondence regarding this matter to me in writing at the address listed above. Any further attempts to contact me by phone, email, or other means will be considered harassment and a violation of the FDCPA. 

Thank you for your immediate attention to this matter. 

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

I've sent disputes to Experian, XXXX and XXXX. Their not holding up to the law with the 30day demand to comply. I sent in disputes neither is responding to me, and getting back with me with my results of their investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Fraudulent Account Opened in My Name Dear Sir/Madam, I am writing to formally lodge a complaint regarding a fraudulent account that was opened in my name with CONN APPLIANCES INC XXXX The details of the account are as follows : Account Type : Secured Loan Date Opened : XX/XX/XXXX Account Status : Current ( as of XX/XX/XXXX ) Balance : {$2500.00} Payment Status : Current I did not authorize the opening of this account, and I believe it was opened fraudulently. I have attached a copy of my credit report showing the account details for your reference. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this fraudulent account be removed from my credit report. Specifically, I am invoking the provisions under Section 605B of the FCRA, which allows for the blocking of information resulting from identity theft. 
Please find attached the necessary documentation to support my claim, including a copy of my identity theft report and any other relevant information. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

It's appears that Nelnet is reporting 29 accounts student loan on my credit report which complete the monitor after 3 years of discharge with {$0.00} balance. I contacted Nelnet about this matter and stills no response. I planned to resume a legal aide lawyer in this matter if it's not resolved or removed.
Product: Checking or savings account

XXXX XX/XX/2023 This Complain is related to my last complain XXXX. XXXX, please after I discovered the shortage in my deposit and gradually gets low!!! I decided to save the rest deposit and transfer it to my niece account in XXXX ( attached ), as I mentioned in my last complain the rest after the fraud was {$380000.00}. 
I made the wire transfer attached amount {$360000.00} on XXXX XX/XX/2023 so the rest after this transfer supposed to be {$20.00}, XXXX in addition to the original shortage {$230000.00} but also the fraud was continuing and my deposit now as you see attached {$80.00}, so the shortage amount now become {$250000.00}, attached screen shot for my balance now please deal my complain as priority and I request urgent investigation.
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Bankruptcy XXXX XXXXdischarged XXXX # XXXX, Bankruptcy : Discharged XXXX Equifax : # XXXX , XXXX XXXX bankruptcy discharged XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

On XX/XX/XXXX, I reported an error on my TransUnion credit report ( only  ) which added an unknown name to my report. All other information from the unknown individual was merged with my transunion report which dropped my score and forced my report to lock after reporting the error. I filed error reports both orally to TransUnion on two phone calls, two weeks apart from one another, and one report digitally through XXXX. The error report filed through XXXX is still open and states that the report estimated close date is XX/XX/XXXX. Because the date had passed and the other two phone calls yielded no results, I called XXXX a third time - this time requesting a supervisor. The supervisor informed me that the case had closed on the XX/XX/XXXX and that all 3rd parties reporting the case were wrong ( XXXX  ), and that TransUnion does not inform consumers when cases have been closed and/or what the conclusions were. I was able to get the supervisor to acknowledge that the name added to my report was still on the report erroneously and that it would now be removed 3-5 days from that call ( on XX/XX/XXXX ). However, my credit score is now lower than before and I have been harmed by this issue caused by TransUnion. The supervisor refused to admit that harm had been done to my credit file and that the score I was seeing was correct, only stating that 3rd parties use different methods of calculation which could be why it is now lower. My credit has not changed in the last three months that this dispute been open, and the other two bureaus have my unchanged score from before this had begun. I am being punished for a mistake that TransUnion made on my credit file, I have been unable to use my credit to open new accounts or apply for necessities such as a new phone payment, and I am now coming out of this still unsettled dispute with lower credit. I have no option but to accept that a merge of my credit file with someone 's credit file has lowered my score, even though all other elements of their credit has been removed from my report.
Product: Credit reporting or other personal consumer reports

I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Debt collection

XX/XX/18 I have two Money request one is {$15.00} and the other is {$35.00} from paypal. But I dont have PayPal it was sent to my email and I was charged for those 2 payments from PayPal I see that the email that i got charged from is from another country Im not sure how they did all this they went in to my email and they requested money from their other account to my account I also got a notification saying unusual log in but I didnt think much of it at the moment tell I checked my email yesterday at night and I was to late to contact you guys I just want my {$50.00} dollars back