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

A ) Around XX/XX/XXXX, I opened a Santander checking account # XXXX in response to a Santander Bank promotion that if a customer opens a checking account, sets up a direct deposit and makes two bill payments ; the bank pays the customer {$20.00} each month. I complied with the requirements set forth by the bank until they ended their promotional offer in XX/XX/XXXX. 
B ) On or before XX/XX/XXXX I did two things : 1 ) requested Santander by email to close my checking account, and 2 ) since they could not close the account with an email I called their toll free line XXXX to request that my checking account be closed. 
C ) On my end, I cancelled my direct deposit, paid off any outstanding balances if I owed any ; and considered my checking accounts closed. I also knew that if the account was still open, I would have seen bank charges for non-activity. When I stopped receiving monthly statements and all bank communications it was a clear indication that my Santander account was closed. 
D ) From XX/XX/XXXX to XX/XX/XXXX, Santander led me to believe that my accounts were closed. Up until a week and a half ago I started receiving harassing robo calls and letters from Santander collecting {$170.00} in fees. I asked myself why am I getting these fees now if the account was supposedly closed in XX/XX/XXXX? 
E ) After investigating the matter, I found out that my other bank had incorrectly requested a wire from Santander and since there was no funds on it, the initial {$35.00} non sufficient fee snowballed into {$170.00}. I would gladly pay the amount if I erred on my end, but since Santander did not do what I had requested two years ago why am I responsible for these fees? 
F ) Santander knowingly kept the account open to extort fees. How many of their customers have requested their accounts closed but kept the accounts open so Santander bank can charge these fees?

G ) The harassment that I have been receiving daily from Santander Bank 's collection practices such as robo calls, letters and postcards to remind me I owe Santander {$170.00} and the fees are just accumulating. 
H ) I tried to contact Santander but they make it difficult for the consumer to communicate with a medium like an email that provides an audit trail of the discussion.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of XXXX, we purchased a XXXX at a XXXX XXXX XXXX. We spoke with a representative of XXXX XXXX about financing options. The representative told us that we could finance the purchase of the bed at a 0 % interest rate for 12 months. That sounded appealing to us, we asked about what the monthly payment would be and how that would work. The representative said they could take care of everything with the bank that provides the financing and we signed that day to purchase the bed with the 0 % APR financing with Synchrony Bank. What the XXXX XXXX representative did not mention was that if for any reason the full amount of the loan wasn't paid off within 12 months we would be charged at a 30 % interest rate on the full original borrowed amount of the loan. In our case, the purchase amount was about {$4800.00}. So about {$1400.00} worth of interest if we missed paying it back by XXXX XXXX by that 12-month mark. This was not clear at all at the time of purchase and since the financing was being handled by XXXX XXXX we didn't really have the chance to look at the financing details ourselves at the time of purchase. After a couple months of noticing that nothing had been charged to our checking account I took matters into my own hands to ensure we were paying for our bed purchase. No bill pay had been set up despite us giving our checking account info to XXXX XXXX to set up the financing as they promised too. Since it wasn't carried out we were behind in our financing pay back schedule and when XXXX of XXXX came and we had hit our 12 month mark we were charged the full amount of that {$1400.00} in interest and now every month we began to be charged 30 % APR. It was completely deceptive and grossly negligent to lead a well meaning paying customer into a 30 % backdated interest charge for such a large borrowing amount. I also just saw that they have since raised up their interest rates even higher and am confident that the business model centers around hoping that customers will not make that payment in time. Through their partnership with XXXX XXXX they have representatives that are able to assist in getting the loan that either do not understand the loan that they are providing to people or are intentionally not mentioning the extremely high risk to missing that 12-month deadline. Further, since XXXX XXXXXXXX XXXX representative insisted on handling the financing XXXX XXXX and Sychrony further alienated me from seeing the loan 's fine print and had a completely unqualified person offering the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 ITEMS 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 : 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  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXXXXXX XXXX XXXX XXXXXX/XX/2023 ; XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute into XXXX, Transunion and XXXX disputing the XXXX XXXX XXXX  XXXX They are show several late payments on the account and a repo for this vehicle. This car is paid off and in my possession. They have still yet to send me the title to my car. The credit bureaus are not doing a very good job of keeping consumers credit protected and making sure everything is accurate. They are on the side of the credit provider. Very shameful. 
Account Number : XXXX
Product: Debt collection

XXXX  XXXX XXXX and their Debt Collection agency Nelson & Kennard have been TERRORIZING ME. They are attempted to collect on an alleged debt and reporting it to my Credit Report, yet they can not provide proof that the account belongs to me at all. Simply providing me with statements is not proof. This debt doesn't even belong to me, they have no proof, no records, nothing, yet they continue to report inaccurate information about me, record my calls without my permission, contacting third parties about my debt without my permission ( Friends ) threatening me with all kinds of nasty things. They will not relent.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report I have found that several companies have violated my rights as a federally protected consumer. Companies in violation : XXXX XXXX Acct # XXXXXXXX XXXXAcct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX  XXXX- Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  XXXX Acct XXXX XXXX Acct # - XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX- Acct # XXXX Acct # XXXX In accordance with the fair credit reporting act, under 15 U.S.C 1681s-602 it states I have the right to privacy and these creditors have violated my rights. 15 U.S.C s-604 ( a ) s-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Privacy Act of 1974 states that no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

Even after my information as a consumer was provided to a 3rd party without my authorization or consent, the reporting agencies have inaccurately reported information to my consumer report. This is a direct violation of 15 U.S.C 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. I have attached additional documents that show these companies unlawfully provided my personal, nonpublic information to 3rd parties WITHOUT my consent, as well as discrepancies ( highlighted items ) in my consumer reports which are the following : Inconsistent Derogatory Remarks of alleged late payments
Product: Debt collection

I advise the representative that my account was discharged in bankruptcy back in XXXX and the balance shouldve never been assigned to them. XXXX XXXX  was discharged in my BK. The balance was from XXXX. I disputed the information on 3 bureaus, they refused to remove the information. I advised again this balance was included in my bankruptcy. The representative dismissed my request for them to contact my attorney.
Product: Credit reporting or other personal consumer reports

I have numerous incorrect addresses, names an employers on my credit report. I have submitted disputes online and have attempted to call them but I can not get a human being on the phone to talk to me. All of these addresses and names are incorrect and need to be removed immediately. It is absolutely ridiculous that no one will answer the phone and the automated system leads me to dead ends EVERY time I try to call. I'm so frustrated. I'm very concerned about the safety of my personal info. 

REMOVE ALL OF THESE XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have sent certified letters on XX/XX/2018, XX/XX/2018, and XX/XX/2018 to LVNV Funding LLC asking them to provide me with data to prove that this is my account. I have no knowledge of this account and have tried expressing that to LVNV Funding LLC, but they continue to call me about 15 times a day. I have asked them to provide signed documentation that proves I have contractual obligation to this account and even asked them for a copy of their State License and number and they did not provide this. Per the Fair Debt Collection Practices Act they are to provide me with this data to prove that this is my account and they have failed to do so, they must remove this account. LVNV Funding LLC bears the Burden Of Proof and the information they continue to send me does not provide evidence of the claims they have made against me. This is not my account, please delete this account. Thank You
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the repeated and unsuccessful attempts to correct late open accounts on my credit report. Despite my persistent efforts and the passage of time, these inaccuracies remain unresolved and continue to negatively impact my creditworthiness. I first initiated disputes regarding these late open accounts. Since then, I have consistently reported these inaccuracies to your agency and provided the necessary documentation to support my claims, such as proof of timely payments. Despite multiple disputes and my repeated efforts, these late open accounts have not been corrected. The continued presence of this inaccuracy on my credit report has had detrimental effects on my credit score, financial stability, and overall well-being. I kindly request the following actions be taken promptly : A thorough and comprehensive review of my credit report to verify the accuracy of the late open accounts in question. Kindly help me correct the accounts immediately : XXXX XXXX XXXX : {$6500.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

XXXX XXXX XXXX : {$1100.00} - My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX XXXX XXXX : {$2600.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

XXXX XXXX XXXX : {$2600.00} - Please check the XXXX XXXX and XXXX information on this account and adjust accordingly. 

XXXX XXXX XXXX : {$6200.00} - You are reporting different information from other bureaus. XXXX FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX : {$2300.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

XXXX XXXX XXXX : {$6300.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report.
Product: Debt collection

This is a recent hit to my credit report. I believe this to be fraud because I have never heard of the collection group or the original creditor.
Product: Checking or savings account

Unfamilliar transactions has occured so my bank decided to close y account. My paycheck was deposited on XX/XX/XXXX and i was told from my bank that they will reject it and send it back to my employer but a banker told me it went through even though my account is already close. Now i dont even have access to my own money that i worked for. Also the banker that i spoke to told me that she cant give me a timeframe of how long it takes to review my account before they release my money. I am very upset because im late on my rent because i cant access my own money.I cant even see whats going on with my account because I dont have no access to my usbank mobile app and all.
Product: Debt collection

In XX/XX/2017, I was living in a student apartment complex, XXXX XXXX. In XXXX and XXXX, of XXXX, management was aware that maintenance was in my apartment three times without giving my roommates and I notice. It was in our contract, that every time maintenance was to be in our apartment, we would be notified. No one was home during these maintenance appointments. However, during one of the three visits, {$1500.00} was stolen out of my room. It also was never replaced. I thought about police report, threatened to sue management, and spoke to the property manager three times. During the last conversation, the property Manager let me know that my roommates and I, due to the inconvenience, would not have to pay the cleaning fee after we move out. Six months to a year after XX/XX/2017, I got a notification that I was being sent to collections for a cleaning fee that I never paid. The cleaning fee that has been sent to IQ Data International Inc., is a fraud account on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2016 the following collection agency flagged my account : MERCANTILE ADJMNT BUR XXXX XXXX XXXX XXXX They claimed that there was a bill past due- but I had already attempted to close my account with XXXX XXXX over the phone multiple times.
Product: Checking or savings account

Bank of America denied my claim for fraudulent use in the amount of XXXX after being a platinum customer with them for over 23 years. The first time I lost my debit card and someone used it to withdraw thousands of dollars - Bank of America failed to send me any security alerts. After making the claim - BOA ran surveillance videos of who was using my card at the atm and determined it was a male with a baseball cap - ( by the way I am a female ). Even after running the videos and seeing it was not me .. they still denied my claim stating they do not have enough information to be liable.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report Dear Experian, I am writing to dispute several unauthorized hard inquiries listed on my credit report, which I believe to be inaccuracies, in violation of the Fair Credit Reporting Act ( FCRA ), specifically under Section 611 ( 15 U.S.C. 1681i ). Upon reviewing my credit report, I noticed multiple hard inquiries that I did not authorize nor are they associated with any accounts on my credit report. These inquiries are inaccurately affecting my credit score, and I request an investigation into these items with the expectation that they will be removed from my report. 

Below are the details of the unauthorized hard inquiries : XXXX XXXX XXXX  XXXX -Dated XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XXXX XXXX Bank Credit Cards - Dated XX/XX/XXXX XXXX XXXX - Personal Loan Companies - Dated XX/XX/XXXX XXXX XXXX XXXX XXXX - Credit Unions - Dated XX/XX/XXXX XXXX XXXX XXXX- All Banks - Dated XX/XX/XXXX I affirm that I did not authorize these inquiries and have no knowledge of them. As mandated by the FCRA, I request that you conduct an investigation within 30 days of receipt of this letter to verify these inquiries. If these inquiries can not be verified as authorized by me, they should be removed immediately from my credit report as per the FCRA requirements. 

Please inform me of the outcome of your investigation because this is of utmost importance. 

I appreciate your immediate attention to this matter. Should you need any further information from me, please do not hesitate to contact me at XXXX. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

XXXX  XXXX Gap insurance is taking their time to pay off the rest of my loan
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recover is continuously reporting an account that was closed by the original creditor XXXX XXXX as an open account that was closed by the original creditor in 2013. I have disputed this several times every year and all they do is say it was verified without sending me documentation that this account is mine. This is NOT my account and I am tired of being called everyday continuously by them as they leave messages with my friends and family.I had to block several numbers as they change their number or call me from different numbers in different time zones thus violating the Fair Debt Collection Practices Act ( FDCPA ) I do not have a contract with them and this account was closed 5 years ago according to my credit file last year. yet they refuse to remove this account from my credit file and the Credit Bureaus are accepting whatever they say every time I dispute this. Account is closed! yet the keep harassing me over XXXX do they realize they could be fined over XXXX for contacting me constantly and falsely reporting an account on my credit file?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 American First Finance has accessed my credit report. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a flagrant violation of my rights.
Product: Credit reporting or other personal consumer reports

Subject account ; U.S. Bank XXXX XXXX XXXX XXXX XXXX account ending in XXXXFor several months the company has been reporting a balance of {$1900.00} dollars. 
Current Balance is {$0.00} Available balance is {$2000.00} I dispute this account several time with XXXX unsuccessful.
Product: Credit card or prepaid card

I am writing now in wish to receive your help. At the present time I am working on examining my credit, paying down my balances, and pursuing greater credit worthiness. You play a vital part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX, XXXX  and XXXX  ) on XX/XX/2017 and I am submitting this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency Equifax and identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. Equifax sent a letter stating this block was an error. It was not. Equifax has violated my consumer rights. According to 15 U.S. Code 1681i Equifax is supposed to delete the disputed items during a full and complete investigation. Equifax violated this federal law. Equifax is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Equifax to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against Equifax for willfully and knowingly violating my consumer rights if this is not rectified within XXXX days.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block.Ink. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.