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

I recently submitted a credit application to XXXX, XXXX of XXXX, and they forwarded my application to Santander. 

I was told that I was only approved for $ XXXX instead of the full amount needed, which was around $ XXXX. 

I am aware of the rights that Santander has violated, which are : XXXX. Unauthorized use of my credit card XXXX. Their fiduciary duties to me after receiving my financial asset XXXX. XXXX XXXX XXXX - a creditor shall not refuse to XXXX an individual account to credit were the applicants under any prohibited basis, or the fact that the applicant has a good faith exercise any right under the consumer credit protection act XXXX. XXXX XXXX XXXX scope of prohibition- it is unlawful to discriminate me with respect to any aspect of a credit transaction XXXX. Equal credit opportunity XXXX XXXX XXXX - any creditor who fails to comply with any requirement imposed under the subchapter shall be liable to the agreed applicant for any actual damages XXXX. XXXX XXXX XXXX - criminal liability for willful unknowing violation I made a credit application in good faith, so credit must be issued. I gave both XXXX and Santander, my financial asset and they are not performing their fiduciary duty to me. I received no benefit from this transaction. And it actually caused damages to my credit and mental health, as I really needed this car. 


I spoke to many different representatives at Santander, including a supervisor who refused to help me because they were an indirect lender. 


I know I cant be denied an extension of my own credit, which is why I know they have to approve me for the full amount of credit that was requested. Not just a part of it because my application was APPROVED. It shouldnt be approved with conditions. They didnt even ask me for my bank statements or tax returns, they just looked at my credit. And I advised that thats discrimination and unlawful pursuant to the laws stated above. 

I am also well aware of the federal reserve act section XXXX, and how instruments are used in the federal reserve banks/US treasury XXXX This alone constitutes why XXXX cant be denied credit, because I know my negotiable instrument is to be matched for face value. 


If Santander continues to be non compliant with the uniform commercial codes as well as code of federal regulations, I will hold them civilly liable for the damages caused herein.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential I
mpact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I reached out to Vice and Huffman in Virginia to inquire about a credit account that I was not aware of previously. However, the director of the credit collection agency, XXXX XXXX, along with a lady who answered the call, was not cooperative and rude when I requested more details about the account. Once transferred, He ( XXXX XXXX ) did not engage in a proper discussion, which made it impossible for me to confirm the accuracy of the reported balance. 

During our conversation, XXXX XXXX kept mentioning that he was recording the call and kept interrupting me when I tried to clarify certain information. As a result, I found it challenging to fully understand the situation, resulting in a XXXX XXXX making threating commenting to retaliate against further actions of dispute. 

I will not stand for mistreatment while trying to access accurate information about my credit report. XXXX XXXXXXXX XXXX neglect and dismissive behaviour has made it hard for me to get important details. XXXX XXXX heavily implied that he will retaliate against me if I made any complaints. 

The intent of the call was to gain more knowledge on the account and mentioned that it needs to be removed because of error and false reporting of the details across reporting agencies and the closing of the original account and the open line of credit to this date which is also false.

After further research, this falls under the Tile 604 and 609 of the FCRA.
Product: Credit card or prepaid card

On XXXX I accidentally paid {$4500.00} in my Citi Double Cash Mastercard via the Citi app. This was my error as I inadvertently put in an extra zero, I meant to pay {$450.00}. 

On XXXX I noticed the error and contacted Citi customer service to advise of the error and ask for a XXXX refund. The Citi representative advised that they would process my refund and I should receive the money in my back account in 3-5 business days. 

XXXX Citi bank lowered my credit limit by {$4500.00}. 

XXXX I called Citi and the representative advised I would have my money in my account on Friday. 

XXXX I called again and for the FIRST time Citi advised that I actually did not have a refund in process but that they had to approve the refund. I was obviously upset and was transferred to a manager. The manager apologized for the error and indicated the associates were wrong and they would be re-educated. He provided me with a {$180.00} credit for inconvenience and said he make sure I get a call about the approval decision by XXXX  XX/XX/26. 

XXXX I called Citi and asked about the status of my approval and they indicated it was denied because an {$4000.00} refund would extend my credit limit. I spoke with a manager and advised I was an attorney and I was initially told that that I would receive the refund and was not advised about the review. Furthermore, I thought it was a questionable practice that they lowered my credit limit by the exact amount of my payment after I advised the payment was in error. The manager said the credit limit decrease was merely a coincidence. However I informed her that I had this card for 5 years and have never had a credit limit decreased and the timing was questionable especially since that was the amount of my overpayment which they were aware.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C. 1681 section 602 A states that I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Prepaid card

On XXXX XXXX there was a system upgrade and since that day, my funds have been depleted. There are multiple items that have been debited from my account numerous times after calling the merchant and getting the authorization codes I was told they could only release ONE. When I checked my account this morning, my money was once again GONE! 

There is also a dispute that I filed on XXXX XXXX for {$62.00} that has not been resolved. Customer service is HORRIBLE and I am MORE than fed up!
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my gratitude for your prompt action in deleting certain fraudulent accounts from my credit report. However, I am also writing with deep frustration and disappointment regarding the unresolved issues that persist on my credit report, which continue to have a negative impact on my financial life. 
However, my frustration arises from the fact that despite the removal of some fraudulent accounts, several others remain on my credit report, despite my repeated attempts to dispute them. These remaining fraudulent accounts continue to damage my creditworthiness and hinder my financial opportunities. It is disheartening to see that these discrepancies persist, even after providing clear evidence of their fraudulent nature. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX As a responsible consumer, I have diligently reported all unauthorized activities and provided all necessary documentation to support my claims.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I noticed a withdrawal from my personal checking account in the amount of {$1100.00} from PayPal. I contacted PayPal and told them I did not authorize this transaction and they told me they would look into it. After they looked into this transaction they contacted me and stated that I had authorized the transaction and they would not be crediting me back the amount. I called PayPal back and stated I did not authorize this transaction and the person the money was sent to I did not know and also the person lived over XXXX miles away from but because it was a 'friend to friend ' transaction PayPal will not cover the fraud. PayPal also stated that it was done from the same IP address as other transactions were done but I stated if someone hacked my email, phone or computer then of course it would be from the same IP address. I then ask PayPal weather the access to my account was accessed through a password or from my finger tip and they stated it was from a password but I do not use a password I use a fingerprint. At this point they are stating there is nothing else they can do. I did not authorize this transaction and it is for quite a bit of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts : XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX  I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I want these accounts removed from my credit report immediately otherwise future action will take place. 

Sincerely, XXXX XXXX
Product: Debt collection

In contravention of the FCRA, XXXX began falsely reporting my account as delinquent to Equifax in XX/XX/2019 despite the account being paid off more than 2 years ago. The account 's current status is paid and should be reflected as such. It is not a current collection and it is not current late as being reported. 

XXXX is intentionally falsely reporting the current status in collection/charge off and as a current delinquency as of XX/XX/2019 so that it adversely affected my credit as a new charge off to drop my score. It is a deceitful and illegal response on the part of XXXX. Equifax can not seem to timely investigate and correct discrepancies that conflict with what the creditor has been reporting for years and when it diverges from what is updated ( i.e. if it's reported PAID in FULL/SETTLED 2 YEARS AGO, how can it be can currently IN COLLECTIONS and NEW DEGROGATORY INFO OF LATE AS OF XXXX OF THIS YEAR? )
Product: Vehicle loan or lease

I financed a vehicle through credit acceptance, which was repossessed within three months of purchase date of XX/XX/XXXX. The vehicle broke down in which the maintenance price was thousands of dollars. I requested a solution of hardship to pause the loan until i was able to afford the cost of repair and continue with payments which was rejected. The only offer was to continue to pay monthly expense or forfeit the vehicle. Unfortunately I still ended up losing the vehicle to repossession. The vehicle was auctioned off by Credit acceptance for over XXXX which was more than likely over or not far from the vehicles value. They insist that i pay them afterwards with outstanding balances if i fail to meet a short termed 3 month payoff offer of {$2400.00} which still out of my budget. They sold me the vehicle with a 25.99 % interest rate boosting the total of the vehicle to {$37000.00} for a used XXXX XXXX XXXX with over XXXX miles. There is definitely unfair dealing going on with these numbers.
Product: Mortgage

On XXXX/XXXX/2015 an application for loan modification was submitted to Wells Fargo for the Making Home Affordable Program. On XXXX/XXXX/2015 my attorneys office called for an update from Wells Fargo. They stated that they already had denied the application at that time, however the representative stated that he could see that it was denied for an invalid reason and so he was going to reset the review. The representative indicated that he could see that they were going to need a letter of explanation for the paystubs. This Letter was provided to the lender the next day. On XXXX/XXXX/2015 a call to the lender was made to see if any further documents were required. At that time a second representative stated that they could not advise us regarding the status of the application because the assigned representative was unavailable and because she could n't understand the notes. Another call was placed to the lender on XXXX/XXXX/2015 and the same information was provided. No update could be given and they could n't see if everything that was needed was submitted. When a manager was request, I was advised that the manager for the representative handling the file was not there and had not been there for the last 5 days. It looked like they had everything but the representative was unsure why the file had not been submitted to underwriting. Since the submission of the documents on XXXX/XXXX/2015 not XXXX letter has been sent stating any missing documentation was being requested. At this point it appears Wells Fargo has not followed the time guidelines prescribed by Regulation X. XXXX XXXX wants to save his home and would like a speedy conclusion for a proper Making Home Affordable Review.
Product: Credit card or prepaid card

I have a 700+ credit score with 0 % debt ratio and made each payment on time but the bank is denying me for a card. They give people with lower scores then me credit who make less money and have more debt. I feel the bank is discriminating against me because Im XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus on XX/XX/XXXX, requesting the removal of unauthorized inquiries I saw on my Credit Report, with complete proof of my Identity. Upon reviewing my updates, incorrect information were reported to my personal credit file. The Experian, XXXX, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act section 605b, and continued to report unverified information without providing any proof required by law. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX  XX/XX/XXXX BXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

I want my money back, you guys owe me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had moved from XXXX to XXXX and I never received the Bill.

I already had talked to the customer service and they promised to remove from collection Sequia Financial Services Acct # XXXX
Product: Student loan

I am in the PSLF program. I have worked for a qualifying employer for over 20 years. I received a letter saying that my employers are approved, but that I have 0 payments counting toward the 120 payments. The letter states that this is updated using the new waiver guidelines. Also, the alert screen upon log in for the Fedloan website says that if you received a letter after XXXX, ( mine was dated XX/XX/XXXX ) the loan count is correct and updated- which is simply not true.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, Im here today corresponding to you guys on the situation at hand. 

I was robbed about 7 years ago they snatch my purse with all my sensitive information inside. Until the day the criminal has yet to be caught. 

Please help me these arent my accounts I have no knowledge or no connection of the said accounts. They even got an eviction in my name in North Dakota
Product: Credit reporting or other personal consumer reports

Creditor Name : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Experian XXXX Description of Inaccuracy : Past due amounts shows an inaccuracy XXXX XXXX XXXX is reporting a balance {$2600.00}, but Experian is reporting a {$0.00} balance Also Times XX/XX/year> Days Late payment counter shows inaccuracy I have reviewed my credit report and found this information to be inaccurate based on my records. I am requesting a thorough investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Consumer Loan

I took a loan from word Finance. I made several payment and could not continue paying it off. They filed a law suit against me to garnish my pay check. They have my address, they sent the paper at my work address. They served me while I am at work and it is against the company policy I have been placed on probation at work. I called the head office of Word Finance to talk to them. Spoke to XXXX she said will send me a paper to come with a payment and never send the paper and since I did not receive it I went to court. That is when I saw a lady saying I am here to file a garnishment to have their money back. She did not have any clue about the conversation I had with home office and no communication at all between their representative. The judge heard both of us and she could not answer any question. The judge told her to really be careful before they served someone paperwork. They judge did not like the idea they served me while I was at work. He told me I am leaving in XXXX county they will transfer my case to XXXX county. They charge the debt off my credit report as a bad debt and they want to garnish my check.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX ( XXXX XXXX, PST ) At all relevant times starting XX/XX/XXXX Complainant has been a good standing consumer with XXXX XXXX XXXXl hereinafter the " respondent '', a service provider within the meaning of 12 U.S.C. 5481 ( 26 ), headquartered at XXXX, Minnesota. Complainant has a current checking account and at the time of opening the new account in XX/XX/XXXX Complainant was offered a reserve line of credit totaling {$2500.00} ( XXXX XXXX XXXX XXXX XXXX ). Complainant 's reserve line of credit of {$2500.00} has been in GOOD STANDING since around XX/XX/XXXX prior to which minimum monthly payments due on the reserve line since on or around XX/XX/XXXX were completed in a TIMELY manner each month and every time on or by the due date specified by respondent. At no time was Complainant 's reserve line of credit delinquent or otherwise in default. On or around XX/XX/XXXX Complainant filed a good faith complaint with the respondent 's FRAUD unit against " XXXX , XXXX '', a collection agency affiliated with XXXX XXXX who conducted an unauthorized deceptive financial transaction in Complainant 's checking account. At the end of the Fraud investigation, respondent refunded the deceptively deducted amount of around {$180.00} into Complainant 's checking account. However, on XX/XX/XXXX the respondent 'XXXX XXXX XXXX XXXX ' in turn engaged in an unconscionable tactic and unfair, deceptive, and abusive act or practice under Federal law in connection with the reserve line of credit offered to Complainant and unlawfully closed complainant 's GOOD STANDING reserve line of credit of {$2500.00} ( a consumer financial product or service ) in the course of violating [ Oregon Revised Statutes ] ORS 646.607 ( 1 ) [ Unlawful business, trade practices ] and which may not be limited to the cited statute. ORS 646.607 ( 1 ) provides that " [ a ] person engages in an unlawful trade practice if in the course of the persons business, vocation or occupation the person [ e ] mploys any unconscionable tactic in connection with ... collecting or enforcing an obligation ; ... ''
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau To whom it may concern, I am writing to file a formal complaint against EQUIFAX regarding inaccuracies in credit reporting and improper debt collection practices related to my account, which I believe violate the Fair Debt Collection Practices Act ( FDCPA ), U.S. Code 1692. XXXX XXXX XXXX has been reporting inaccurate information to my Social Security number under the account XXXX. Specifically charging unauthorized fees that are not stipulated in the original debt agreement. This practice not only misrepresents my debt obligations but also reflects negatively on my credit history. Furthermore, I have received numerous calls from a law firm claiming to represent XXXX XXXX XXXX, offering various debt settlement amounts and terms that are inconsistent with what is listed on my credit report. These discrepancies have caused confusion and have raised concerns about the legitimacy and legality of their collection efforts. They are unlawfully requesting a one-day settlement making continuous calls. I am formally requesting that XXXX XXXX XXXX, and any third parties acting on their behalf, cease these unauthorized practices and delete the inaccurate information reported to the credit bureaus. Additionally, I ask that the collection agency provide clear and accurate information about the debt amount and terms, in compliance with FDCPA regulations, as they have not responded directly to any of my requests. Please confirm receipt of this letter and outline the steps your office will take to resolve these issues. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX