23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I'm writing my complaint to SANTANDER CONSUMER USA about the fraudulent and inaccurate information on my credit record that are not genuinely consistent, demonstrated substantial, or recorded as completely evident and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/XXXX, XXXX FTC report number related with this protest is XXXX. I have perceived likely tricky and verifiably questionable dissent declared demands on my credit record that have no admissible or endorsement settled on by my person of decision. Within my federal and state consumer and/or civil rights, I am entitled to demand and/or compel you to remove/correct them as soon as possible. I'm submitting this complaint to check the guarantee that the specific things you are detailing are in consistence with FACTA Title 1 Segment. 151 that unambiguously obliges a depicted of the modus.
Product: Credit reporting

Transunion ONLY reported " serious delinquency '' : XXXX not paid for 120 days XXXX XXXX on XXXX credit card account which was paid on XXXX/XXXX/XXXX and CLOSED on XXXX/XXXX/XXXX. I requested correction ( filed complained on line XXXX XXXX XXXX, received letter on XXXX XXXX XXXX that investigation was completed and information on report was CONFIRMED ( NOT true because bank told me they can not verify information after 5 years! ) with XXXX bank - no change will be made. I was told to follow up with XXXX bank. 
I have been calling bank since XXXX XXXX, XXXX multiple times and told that Corporate Office will correct the information, i owed nothing etc., thus i never was notified by the bank about " delinquency ''. Today, XXXX XXXX, XXXX, XXXX bank told me that they can not verify record after 5 years. 
Please help to correct my credit report and my score which has been affected by this error and I am not able to refinance my home.
Product: Money transfer, virtual currency, or money service

I sent XXXX XXXX dollars from the XXXX to my mother 's account in XXXX on XX/XX/XXXX. XXXX deducted the money from my bank account, but the money didnt arrive in XXXX XXXX When I spoke to my mother in XXXX, she informed me that her XXXX XXXX XXXX  is like XXXX in XXXX ) no longer existed, as the account was about to be canceled. At that moment, I did a test and sent {$5.00} from my XXXX account to my mothers account, and I received the message : " This account is unable to receive any type of transaction. '' I informed XXXX about the issue. They opened a ticket and said they would contact their partners in XXXX to request the money back. They asked me to wait XXXX hours for a resolution. 

XXXX days later, I followed up, and they informed me that the XXXX partner hadnt responded yet and that they would follow up, asking me to wait another XXXX hours. 

XXXX more days passed, and I followed up again, and they told me the same thing : wait another XXXX hours. 

I kept following up every XXXX days until XX/XX/XXXX, the last time I contacted them. They told me by phone that since I had opened a dispute with my bank, they would not refund my money until I removed the dispute. 

I opened the dispute on XX/XX/XXXX because I needed help, as the company was not assisting me. 

Therefore, in the last contact on XX/XX/XXXX with XXXX, they told me they could no longer help me. 

I felt harmed, deceived, and disrespected. I was trying to resolve the issue in the best way possible, reaching out, sending all the necessary evidence. However, my money has not been returned.
Product: Bank account or service

I just logged into my Bank of America online banking profile for the first time in a long time ( I generally do not use them as much any more ) and found that they have begun charging a monthly maintenance fee on my Money Market Savings account of {$12.00} per month if my balance is below {$2500.00}. I have not had more than a few cents in this account for years and have never been charged this amount before, so now I 'm {$35.00} in the red after 3 months of charges. I do n't seem to have anything in my email or otherwise that notified me that this change was going to happen either.
Product: Credit reporting, credit repair services, or other personal consumer reports

TALX Corporation, a wholly owned subsidiary of Equifax Inc. has two separate reports : 1 ) Prove Employment to Verifiers ; and 2 ) Prove Income to Verifiers. This would lead a consumer to believe that one report will verify that you are actively working somewhere and another report will verify your income. There are very good reasons why I would allow someone to view an employment verification report for me and not an income verification report. However, I requested and viewed my employment verification report and all of my salary and income information is in there. Even down to the detail of each pay period and what my gross and take home pay was. This is misleading. If all of that income information is in the Employment Verification Report then the Employment Verification Report is both an Employment AND Income Verification Report. I would not agree to release my employment verification report if I knew that they also had all of my income information in there.
Product: Debt collection

I was contacted by XXXX XXXX from LTD Financial Services regarding a debt with XXXX XXXX Credit Card in the amount of {$440.00} and that they had contacted me in XXXX. When I requested the name of the young woman calling she informed me that she was not my representative but gave me her name which I immediately asked her to spell for me. As I asked her to repeat each detail, she was not happy. When I had all the information she had given me, I repeated that she said they had contacted me in XXXX and she hung up on me. I remember the call from XXXX and I refused to give her any bank or debit card information. I agreed that I could make a payment of {$10.00} - {$20.00} a month as I had become ill and had medical/medication payments which were my priority. She refused to accept payments of this amount and in the form of a check from my bank each month and told me they would contact me again after the first of the year to see if my situation had changed. It has not.
Product: Checking or savings account

On XX/XX/year>, two wire transfers were illegally setup and executed from two JP Morgan Chase clients : XXXX XXXX and XXXX XXXX. I do NOT know these clients nor I have ever spoke to them or heard of them. XXXX set up an illegal wire transfer from XXXX XXXX XXXXXXXX on XX/XX/year> and wired {$72000.00} from my checking account. XXXX set up an illegal wire for {$48000.00} from my XXXX XXXXXXXX XXXX savings account. I immediately canceled those two accounts and contacted XXXX XXXX XXXX on the fraudulent wires on the early morning of XX/XX/year>. 

I went to a local JP Morgan Chase office to inquire about these two illegal wires and they said I could not talk to the JP Morgan Chase fraud team about these two illegal wires. 

The wire transaction numbers are XXXX XXXX and XXXX XXXXXXXX according to my XXXX XXXX  XXXX statements. I NEVER initiated these wires nor did I authorize these wires on XX/XX/year>. The two illegal wires are JP Morgan clients and they are involved in fraud from my accounts. 

I would like JP Morgan Chase to return the money to my accounts from these two fraudsters. 

JP Morgan Chase was NOT helpful nor allow us any information on these two fraud incidents and I am out over XXXX XXXXXXXX.
Product: Credit card

I sent Macy 's XXXX letter an they are refusing to remove my account from all three major credit bureau after receive my payment
Product: Debt collection

I recently pulled my credit and noticed that medical data systems was reporting on my credit report. I have never been contacted by mail or phone regarding this account, And it's a HIppa violation for medical providers to sell my information to 3rd parties.
Product: Debt collection

Midland Funding LLC has aggressively continued to report unfavourable remarks on mu credit profile for a debt that I do not owe. Hence, their illegally, well orchestrated negative remarks has continued to impede on my ability to be considered for any credit worthiness and attain any measurable employment.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and DELETED on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, Equifax Information Services violated the FCRA 1681, by failing to investigate the accounts that are reporting fraudulent on the reports that are maintained under my social security number. XXXX XXXX XXXX, responded to my dispute by stating the documents that I provided was not valid. I am attaching the documents to address the accounts that are reporting on the credit files that are being maintained under my personal information. As I stated before the accounts are not accounts, I have authorized. The accounts on the FTC statement have been disputed multiple times with each agency. This is a final warning that failure to remove the fraudulent accounts from the record will result in a lawsuit being filed against each agency,
Product: Credit reporting or other personal consumer reports

Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Request for Removal of Unauthorized Inquiry Pursuant to FCRA Section 1681b ( a ) ( 2 ) Dear XXXX Equifax XXXX XXXX XXXX I am filing a complaint an unauthorized inquiry that appears on my consumer credit report. Pursuant to Section 1681b ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), I did not provide written instructions or consent for the disclosure of my personal information for the purpose of obtaining a consumer report. This unauthorized inquiry is in violation of FCRA regulations and constitutes potential identity theft. The unauthorized inquiry has resulted in credit denials, causing significant financial harm and potential damage to my creditworthiness. Under Section 1681n-B of the FCRA, I am entitled to pursue civil liability for willful non-compliance, with potential damages of up to {$1000.00}. In accordance with FCRA guidelines, I request the immediate removal of this unauthorized inquiry from my consumer credit report. Removing this inquiry is essential to safeguarding my identity and protecting my credit standing. I kindly request a thorough investigation into this matter and prompt action to rectify the unauthorized inquiry. Upon completion of your investigation, please provide written confirmation of the removal of the unauthorized inquiry from my consumer credit report. Thank you for your attention to this urgent matter. I trust that you will handle this dispute in accordance with FCRA regulations and take appropriate steps to resolve it promptly. Sincerely,
Product: Credit card or prepaid card

I have this issue with both XXXX XXXX  and Capital One credit cards. 

Currently, I do all of my banking with XXXX XXXX XXXX XXXX. I now have {$35000.00} worth of credit on cards any time I want it plus a {$25000.00} line of signature credit any time I want it. 

Now, both XXXX XXXX  and Capital One cards in their fine print that says if a card isn't used for a year they will drop you as a customer for non-use. XXXX XXXX XXXX XXXX  was like {$2500.00}, and Capital One had gone to something like {$12000.00}. ( At 26 % credit? Vs the 5.99 or 18 % of XXXX XXXX? I don't think so ) So I waited 18 months, then called them up and asked " Why am I still a customer? I don't like you, trust you, or respect you. But I'm NOT willing to request you to drop me as a customer because I don't feel I deserve the hit on my credit score. So, why haven't you dropped me? '' They hemmed and hawed but essentially the bottom line is : " We don't know why you're still a customer ''. So, how can I lose these two cards and NOT have it affect my credit score?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX SS # XXXX DOB XXXX XXXX Greetings to whom it may concern, Please see all highlight activity which is considered to be wrong activity. 
Please see attached all backup information : Activity on my report is showing twice and things that was deleted has reappeared. Also, XXXX can't even pull my Equifax report. Please Investigate. 
Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of closed accounts on my credit report that are reporting twice on my credit report. Credit Agencies such as XXXX  XXXX and XXXX showing inaccurate information on my Equifax account. This information needs to be addressed and removed. Please correct information concerning all these accounts. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also, I am disputing the credit inquiries that were removed and put back on my credit report and needs to be removed. 
Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus. 
Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above. 

Thanks in Advance
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 usc 1681.

Equifax is a govern by 15 usc 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed According to 15 usc 1681 : I have the right to privacy and I did not give equifax written permission to furnish these accounts. 
Accounts number XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We submitted disputes with all 3 credit bureaus for a collection account XXXX funding that was not responding and double reported the debt for XXXX XXXXXXXX XXXX XXXX XXXX  was paid off but XXXX funding is still showing a balance even after our disputes began XXXX. 

The bureaus stated that they verified the information ...? how is this possible when the company hasn't verified with us the debtor. 

Please help us get this resolved. Attached is the letters we sent XX/XX/21
Product: Debt collection

In XX/XX/2020, I received a collection notice from XXXX in the amount of {$1400.00} It identified a creditor a debt amount, I promptly sent them a letter advising them I did not now nor have I ever had an account as they described. 

I just received another letter from XXXX for the same debt. I have drafted another letter and indicated it is my second written notice disputing the validity of that debt. 

They never responded to my first letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union. XXXX XXXX were all sent letters on XX/XX//2023 from me specifically asking that all old addresses improper collection information and information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Id get some type of help and wouldnt be ignored please check into this because my next steps involves the law
Product: Mortgage

I would clarification the XXXX Residential Loan Application for Reverse Mortgages. As per the XXXX it is stated that the Mortgage applied for was FHA Traditional HECM. The FHA Case No. XXXX XXXX and states the loan payment plan is a line of credit. The monthly statments clearly state the loan is a LUMP SUM. The Lender Cas No. : XXXX states that the purpose of the the loan was for ADDITIONAL INCOME. XXXX questions-when did I receive additonal income? I brought additonal income for this Reverse Mortgage. Now I will skip over to the Final Loan Terms Document lists the initial interest rate at 4.990-Annual MIP Rate $ XXXX-Expected Rate/Fully Indexed rate-4.990-Maximum lending limit $ XXXX-Initial Principle Limit- $ XXXX-Other Closing Costs $ XXXX-Mortgage Lien Payoff $ XXXX-Repair Set Aside- {$1300.00} Initial Funded Balance XXXX Another Closing Document numbered XXXX Applicable Law states All interest, Fees, and other amounts charged or accruing with regard to this loan, and all related documents, which are considered " interest '' under Section 85 of the National Bank Act ( 12 U.S.C. 85 ) as implemented by 12 C.F.R. 7.4001 ( a ), as amended from time to time, shall be governed by and interpreted under the usury and other applicable laws of XXXX. In all other respects, the loan and related documents, as well as the rights, remedies, and duties of the lender and the borrower ( s ), shall be governed and interpreted by federal law relating and applicable to national banks and their operating subsidiaries and, to the extent not preempted by federal law, by applicable state and local laws of the state where the real estate securing the loan is located. 

The Applicable Law Act was enacted to protect the consumer. 
Could you explain the legality of the Applicable Law Document since the property is located in XXXX? 

I expect to have my investigation done by XX/XX/2016 since I have many other concerns with the documents enclosed in the closing documents. There are many financial and federal consumer protection laws that Wells Fargo has either not complied with or provided their own documentation. 

XXXX XXXX
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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Chase bank customer service has notified me earlier this afternoon that they are ending the relationship with me all because of a fraudulent check. The person who sent me the check said it  was US C ertified and it will clear within a week. But it did n't, and they ended up freezing my account to where I ca n't use it. I went to a manager today on  XXXX   XXXX ,  XXXX   XXXX , LA and showed him the police report stating that I am not responsible for the mishandling of account. I have  XXXX  case numbers to prove it. My family who work for the police station is working with me on getting those people arrested and sued.  XXXX  has already removed several charges on my SLATE card that was unauthorized if you requested to check on this.     I 've had too many problems with chase customer service that I 'm at the point of leaving them for another bank. They did n't think I was a good customer while  XXXX   XXXX  did and understood what I was going through.     If they do n't get this problem fixed and decide to report me to  XXXX  I will be notifying the department of treasury at the white house for illegal closing of an account without a good reason.
Product: Debt collection

Debt collector are trying to collect even more than what the landlord legally agreed to settle.. I sent documentation to collections that I'm physically XXXX and unemployed and hence the reason I was kicked out of the apartment and find someplace to live, as I could no longer afford to and with an agreed settlement.. that even though I'm not able to pay even half ( {$20000.00} ), the collection agency still asking for double ( XXXX ) and insisting on damaging my credit.XXXX how is that fair? so that would make things difficult for me trying to get some form of income.. while at the same time I have to deal with medical issues due to paraplegic and confined to a wheelchair.. issues like bed sore wound infections which sometimes keeps me in the hospital for months. 

I need help to arrive at reasonable solution with due consideration for extreme hardship. 

Thank you.
Product: Credit card

Synchrony XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear sir, I have received a letter prepared on XX/XX/XXXX, which stated that you issued another card ending XXXX on XX/XX/XXXX. I have received a bill last month which showed there was a check refund of {$220.00} ; to which I requested the explanation what kind of nature this refund check had. But I have not received any letter of explanation. The letter prepared by XXXX XXXXXXXX, XXXX XXXX XXXX, tells that there is no balance by opening a card ending XXXX without any consent to open. I have already complained several times that the refund check might be a refund issued by PayPal. If that was the PayPal refund, one issue which related with illegal activities in PayPal might have been solved. However, your letter indicated that the card which you issued without any consent as a replacement card of a card ending XXXX. I am waiting PayPal the movement of the amount {$220.00}, which should be existing in my account of PayPal as credit but unable to use. If PayPal states that PayPal refunded the amount of {$220.00} to the closed account either ending XXXX or XXXX, there might be another investigation on this matter. Anyway, since the card ending XXXX was issued without any consent by the customer, your company, Synchrony, performed some illegal act to open an account/card without any consent of ( unknown ) customer. You need to provide the detailed explanation to the authority. 
I have not reported anything on the matter of your company in case of credit report/credit report XXXX I am just asking why you have opened the card ending XXXX, which I have never received. And I suspect the possible illegal usage of card in my name. Now, you state your company opened another card without my consent at all, which is ending XXXX and, I have not received, I wonder what king of company policy your company has. Even though I do not want to receive any credit card from your company, you need to explain what have happened all these cards in my name. Maybe, these two card might be missing by the fault of XXXX since we have many delivery issues with XXXX already. 
Your company has mentioned that you observe the Gramm-Leach Bliley Act of XXXX, which ensures the consumers as their right to protect their private information, especially financial information, not to use, share and collect with other financial institutions. I am not sure why you need to mention to me since I do not ask to open any credit cards with any companies at this moment, I wonder your position that you feel the necessity to mention this Act now. Somebody might have shared my financial information, and you need to emphasis you have not shared. 
Since I do not want to have any credit card from your company, you do not need to enclose your company, especially bank privacy policy.