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

1 ) On XX/XX/2020 I applied for an UMB checking and savings account with the following offers : + Get a {$300.00} checking bonus when you complete the following requirements : Set up a UMB Visa debit card and complete 15 debit card transactions Enroll in online banking and set up online bill pay and complete two online bill payments Have direct deposits totaling {$1000.00} or more into the account + Get a {$200.00} savings bonus when you complete the following requirements : Open new savings account and fund it within 60 days of opening checking account 2 ) XX/XX/2020 : My checking and savings accounts were both funded with {$100.00}, and the {$200.00} bonus was also deposited by UMB to my UMB savings account. 

3 ) On XX/XX/2020 I called UMB Bank to setup online banking. I received my UMB Bank debit card in the mail. They said both checking and savings accounts were funded with {$100.00} each and that UMB deposited the {$200.00} bonus into my savings account. The bank rep requested that I send via a secure email additional verification documents : Driver 's Lic, Social Security, Utility Bill, and current Bank Statement from a different bank. I sent the requested docs the same day. 

4 ) On XX/XX/2020 I called UMB Bank to confirm that they received the requested documents. The bank rep said my accounts were funded and open. 

5 ) On XX/XX/2020 I called UMB Bank to setup online banking. The bank rep said UMB received all the verification documents requested. Then the bank rep said both my checking and savings accounts will be closed, so online banking can not be setup. The bank rep refused to explain why my checking and savings accounts will be closed.
Product: Debt collection

This company attempted to collect a debt that I was not liable for. Furthermore this third party worked with my insurance company and the insurance made a payment. This action is in bad faith of my insurance and illegal for the collector. I responded to them when contacted. I sent in a document from XXXX stating they did there liability investigation and deemed I was not liable. Additionally they violated my FCRA rights as they accessed my credit report with out authorization or need.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Santander Consumer USA settled a multi-state law suit in regards to lending practices for car loans provided to consumers between the years of XXXX to XXXX. This settlement affected XXXX states including Georgia. Part of that agreement provided relief for consumer who received loans during that period and Santander Consumer USA and its associated companies Chrysler Capital and XXXX XXXX agreed to the following conditions : Santander will pay {$65.00} XXXX to the XXXX participating states for restitution for certain subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX, Santander is required to allow them to keep their car and waive any loan balance, up to a total value of {$45.00} XXXX in loan forgiveness, and Santander will also pay up to {$2.00} XXXX for the settlement administrator who will administer restitution claims, and pay an additional {$5.00} XXXX to the states. The settlement also includes significant consumer relief by way of loan forgiveness. In all, Santander has agreed to waive the deficiency balances for certain defaulted consumers, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by Santander, and additional deficiency waivers of loans that Santander no longer owns but is required to attempt to buy back. My home state of Georgia is apart of this settlement and I was notified about the settlement by the Attorney General of my state. I was informed to contact Santander Consumer USA. in regards to the settlement. After contact Santander, XXXX XXXX, and Chrysler Capital they informed me to that they were not aware of a settlement and if I had a problem it needs to be disputed through the credit bureaus. I filed a dispute with all three bureaus and instead of investigation the issues Santander and its other companies added additional negative remarks to my accounts which impacted my credit scores which was opposite of what the law suit stated.
Product: Mortgage

I was in bankruptcy for 5 or 6 years trying to get a modification. Our lawyer tried several times to get a modification. Wells Fargo sold our loan to XXXX which evolved to XXXX . 
XXXX, who is a collection agency, for 50 years or more. This agreement was supposed to be my modification. I do not think it is right to be treated this way. I would prefer to be with Wells Fargo than a collection agency. While in bankruptcy Well Fargo made a lot of money off of me through the court. They charge me money to pay someone to drive by my home and take pictures.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/2020 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit reports, I noticed that there are several credit inquiries that I did not authorize. I have requested them to be removed several times now by certified letter asking them to provide me proof that they have permissible purpose to run my credit. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. The inquiries are still on my files and have not received any resolution. Their responses were inquiries are a factual record of file access, please call the creditor directly. I did not give anyone consent to use my information. I sent them a certified letter on three different occasions and they are not complying with the FCRA. 

XXXX  Inquiries are -- -- - XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian Inquiries are -- -- - XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Dovenmuehle Mortgage Inc. outlined options for us to have PMI removal. One of the options was a new appraisal and proof of some type of significant update. We had a new roof put on ( significant update ) and our home value went up from XXXX to XXXX. Our loan is currently XXXX. The LTV ratio is well below 78 % now but the company REFUSES TO REMOVE THE PMI. They now state it needs to be below 75 % LTV ratio. Again, the original letter stated 78 % and now that the appraisal came back high enough, they have changed the requirements. We are obviously very upset that we spent over {$500.00} on an appraisal and are now refusing to honor the original terms.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME. I MADE MORE THAN ONE ATTEMPT TO CONTACT THE COMPANIES BUT NO REPLIES. NOTE : MY PERSONAL INFORMATION WAS RECENTLY COMPROMISED, THROUGH XXXX XXXX XXXX XXXX XXXX WHICH I WAS NOTIFIED.
Product: Credit reporting or other personal consumer reports

My XXXX  credit report lists two closed " Ed Financial '' student accounts that have a negative status, which show a 90 day late status from XXXX. 

Ed Financial did not take over my student loans, as my loan service provider until XXXX of XXXX. When I call Ed Financial, they tell me that there is no negative status showing in any of my accounts, and when I challenge this inaccurate information on my XXXX credit report, they tell me that they have verified that the information with Ed Financial is correct and will remain on my credit report. 

I have disputed this over 4 times with XXXX, and sent copies of the negative marks on my credit report to Ed Financial showing them that they reported negative 90 day late payments from XXXX. 

I have requested that Ed Financial provide me a letter, in writing sent to my address : XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, MI XXXX, demonstrating the date that they took over my student loans, which was XXXX of XXXX. 

I am asking that these two entries on my credit report be deleted on all 3 of my credit reports, since I did not have a business relationship with Ed Financial in XXXX. 

They can only report to the credit bureaus for the period in which they were my student loan provider, which began XX/XX/XXXX. All other entries prior to XX/XX/XXXX, need to be removed, or the two old loan accounts displaying inaccurate information need to be removed.
Product: Credit card or prepaid card

I have had my Capital One Mastercard for many years. I admit I have missed some due dates but I have never been 30+ days over making a payment. I have always paid either the amount due or a few dollars over the amount due but never less. I have been unfairly charged on my credit report of not paying {$10.00}. If I have paid the amount due on each bill, how am I short {$10.00}? They also have charged me a late payment fee which is fine because I have missed the due date, but this company can not charge me this fee and make me pay it as part of my balance. My balance consists of charges I made making purchases using the credit card. I pay my monthly bill based on those charges and my payment due should not include the late fee. That is not a charge I incurred during a purchase at a retailer when buying merchandise or services. They are making their customers pay these fees as part of their monthly payment due. They are also charging this fee when it is convenient. There have been times where I missed the due date but paid the bill before the next statement was cut and there was no late payment fee. This is inconsistent practices that the consumer should not have to bear the consequences for. Because of this practice, they unfairly marked my account as past due for 2 months and caused my credit scores to drop. My payment history has always been 100 % paid as agreed.
Product: Payday loan, title loan, or personal loan

images uc* refer to the unauthorized XXXX charges images XXXX refer to  the imbalanced refund that was not dealt with since image blockedOverriden refers to the fact I blocked my card but citibank approved purchases image recurringUnapproved refers to the merchant XXXX I dont have an account with them and I have no recurring purchases and when they started on XX/XX/XXXX I never approved any of them html file chatservice contain the chats summary of the many interactions I have had with citibank refer to the discussion on XX/XX/XXXX and that is usually how my interactions are. I basically tell them 'dont let this merchant make transactions on my card ' they say 'ok we wont ' I block my card the next day 'well to fix this you get a new card wait 10 days for that citibank will do an investigation that takes up to 30 days ' and the nonsense starts again I disputed the inital XXXX charge on XX/XX/XXXX. I was told that the process would take 30 and would issue me a new card. Several other disputes arose and for each dispute all I was told was that it would take 30 days and a new card would be sent. However all I kept seeing was that citibank let these playstation charges go through. 

I knew when something was horribly wrong when I figured I can block my card and unblock it only when I made the purchase. On XX/XX/XXXX the card was blocked yet on viewing my statement the next day the playstation purchase went through on that same day XX/XX/XXXX. 

Speaking with customer service about this several times they were very, very rude. They have had a history of letting ridiculous charges go through especially a charge for XXXX to a fraudster like as if I like to give away my money. I will also report that this happened in XXXX and acoording to the images. citibank saw the merchant gave me 1 % of the money, ridiculous. 

This email I had from citibank said that even though my card was blocked, since it was recurring it was allowed to go through. I was furious no citibank representative never told me that, all I got was 30 min of arguing then I was hung up on. 

This is crime, if citibank was a man they be put right in jail, but they are a big business and I am asking the United States Government to do what I cant and provide justice
Product: Checking or savings account

My phone was stolen and money was sent to someone. When I asked for cashapp help they shrugged me off. Basically told me I was in violation of contract and closed my account without even helping me. I lost {$470.00}. Even if they couldnt help me I would of still wanted to keep my account but now they banned me from every making one with them over me basically asking for help getting my money back
Product: Credit reporting or other personal consumer reports

I have noticed some one has applied for credit cards instead of me to XXXX XXXX and chase bank on XX/XX/XXXX and XX/XX/year>. There was XXXX frauds. I have noticed that my credit score has dropped XXXX scores.
Product: Mortgage

I did two modifications one in XXXX with XXXX XXXX and another with M & T bank in XXXX. M & T bank claims that they made me aware of a second lien on my property over the phone. I alleging that that conversation never took place, moreover I'm under the assumption that no oral agreements exist. M & T Bank sent me the XXXX modification documentation with XXXX XXXX which shows a second lien that I did sign for, However the XXXX modification failed to inform me of a second lien ; I was lead to believe the modification I signed in XXXX with M & T Bank was for my total loan amount of {$100000.00}. I'm charging M & T Bank with failing to disclose full details of my loan and making me believe I only owed the amount I signed for in the XXXX modification with M & T Bank. I don't understand why the XXXX modification with XXXX XXXX has any effect on a different and separate modification with a different entity being M & T Bank in XXXX.
Product: Vehicle loan or lease

I was not able to afford the car due to the fact that I lost my job. XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX I had to leave XXXX XXXX and start over with nothing. Im trying to raise XXXX kids. I tried to explain this to the company and ask them to give me time to try to pay this they reported to my credit report and its hard for me to even get a job or a home, I paid this car two years not even a late payment So once I lost my job and my home, I just needed a little bit more time to try to get this fixed. The company took the car also so the car but its still reporting on my credit report.
Product: Credit card or prepaid card

I am closed with a negative balance on my account. How can i fix it if my account is closed .... I also want to know what happened to the money I been claiming and has been pending.? Cuz it's been over 12 weeks now and not one week of pay. I can easily pay the {$410.00} with my benefits I have pending. So yeah what's going on? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023 for the removal of the unauthorized and fraudulent inquiries but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent inquiries and for assistance to remove them from my credit report immediately. I am not the one who initiated these inquiries. They are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person and have rights under 15 USC 1681. As a living human being, I would like to file a formal complaint against the consumer reporting agencies for violating my rights and the Fair Credit Reporting Act. The following accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and I demand that they be deleted immediately. I did not provide permission for the consumer reporting agencies to furnish these accounts. 

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 XXXX XXXXXXXX The consumer reporting agencies are governed by 15 USC 1681 and have violated my rights on several occasions. I have the right to privacy under 15 U.S.C 1681 section 602 A. Additionally, Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section prohibits any consumer reporting agency from making a consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) stipulates that 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.

I have identified multiple billing errors under 15 U.S. Code 1666 ( b ) billing error that the consumer reporting agencies have failed to address. These errors include the creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor, as well as a computation
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately ( XXXX and Experian ). XXXX has already deleted these items. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. Please help me to delete these illegal accounts from my credit reports ( XXXX and Experian ).
Product: Debt collection

I have reviewed my credit report and notice that there are accounts on my report that is not mine and not associated to me. I would like for the following reports that are not my accounts to be removed immediately ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2017 I received a call from NCB Management ( XXXX ) regarding an account I have with XXXX. At no point during the call did she advise me this was an attempt to collect a debt and that any information obtained would be used for that purpose. This is a blatant violation of the FDCPA and I 'm requesting the debt to be erased or restitution made to myself.
Product: Debt collection

XX/XX/XXXX2019, this company contacted a third party before I ever received any communication from them. Received a letter from them dated XX/XX/XXXX19. I responded to them on XX/XX/XXXX19 through written communication. Explained my dispute on the collection and requested that I be exonerated of all charges. I never received any other communication from them. I noticed on my credit report that there was a report for the same account from another collection agency. Until I disputed it through XXXX  XXXX  in XXXX, I hadn't had any communication with this company. After they received the dispute is when I received my first letter from them. So, the first company sold my account to the next collection company. I responded to them also, and also went back on the first company regarding them selling my account. No response from either company.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

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 XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting

Equifax continues to report a balance of {$420.00} on a XXXX account ( XXXX ) which has been paid. I disputed this account with the three major credit reporting agencies and included a letter documenting that the account was fully resolved. XXXX and XXXX corrected the error, but Equifax continues to erroneously report a balance.
Product: Debt collection

RMS DID NOT contact me about collecting a debt. RMS NEVER contacted me at any point in time to identify THEIR COMPANY as a company and to confirm if this debt is mine via phone call/voicemail, email, or mail nor have you sent me a debt contract in the mail. I found out about this debt by an alert of a negative impact on my CREDIT REPORT. 

How can RMS report a debt on my credit report without contacting me to verify that the debt is MINE AND VALID. 

I made FIRST PARTY CONTACT to RMS on Friday, XXXX XXXX, XXXX by calling the number on my credit report to dispute the Negative Report. 

The debt is in fact INVALID due to it being a STUDENT LOAN where as of XX/XX/XXXX, student loan payments have been SUSPENDED until XX/XX/XXXX via the CARES Act. 

I DISPUTE THIS REPORT AND DEMAND THIS NEGATIVE REPORT BE REMOVED OFF MY CREDIT REPORT IMMEDIATELY BECAUSE IT IS ILLEGAL VIA THE CARES ACT. 

I WILL ALSO REPORT RMS COMPANY TO THE XX/XX/XXXXXXXX XXXX AND FEDERAL TRADE COMMISSION AS RMS IS COMMITTING ILLEGAL PRACTICES SUCH AS : 1 ) THE FTC STATES IN SECTION 806. HARASSMENT OR ABUSE, ( 6 ) " THE PLACEMENT OF TELEPHONE CALLS WITHOUT MEANINGFUL DISCLOSURE OF THE CALLER 'S IDENTITY SECTION 807. FALSE OR MISLEADING REPRESENTATIONS, ( 10 ) " THE USE OF ANY FALSE REPRESENTATION OR DECEPTIVE MEANS TO COLLECT OR ATTEMPT OR COLLECT ANY DEBT OR TO OBTAIN INFORMATION CONCERNING A CONSUMER '' Account Representative XXXX XXXX of RMS collection agency refused to tell me any information regarding my debt and deceptively told me that I must release information regarding my BANK ACCOUNT, CREDIT CARD BALANCE, RENT PAYMENT AMOUNT, UTILITY BILL AMOUNT, CELL PHONE BILL AMOUNT, CAR PAYMENT, CAR YEAR/MAKE/MODEL, PREVIOUS EMPLOYER/ANNUAL SALARY, PREVIOUS EMPLOYER PHONE NUMBER, UNEMPLOYMENT BENEFITS, AND MARITAL STATUS, in order to receive information regarding the ILLEGAL AMOUNT OWED. When I REFUSED to provide information mentioned above, XXXX XXXX stated that I must provide ALL information to move forward. XXXX XXXX also did not disclose to me over the phone my rights to DISPUTING the debt. XXXX XXXX also made false claims of how the account will be switched over to another DEPARTMENT/AGENCY IF I DID NOT SET UP A PAYMENT PLAN BY XXXX ON FRIDAY, XX/XX/XXXX ( THE INITIAL DATE I CALLED ).
Product: Student loan

They are charging me for a student loan for XXXX College in the year 2005. I never attended or took out a student loan or attended school that year. I 've told them about it and nothing has changed on my account. I asked that it be removed and drill nothing.