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

I asked Santander to lower my payments and the 11 % plus interest rate on my auto loan due to a temporary COVID19 financial difficulty. They said they would have already granted me a temporary payment deferment. I also asked for a lower interest rate as the 11 % interest rate for a 2017 used vehicle seemed predatory and discriminatory. The representative became combative and defensive and accusatory ; rather than showing empathy and understanding during the present economy when a loss of income is serious and definitely unsigned up for ; especially since I have made payments for over half of the loan term and am attempting to pay the payments and am almost finished with the loan term. They are constantly saying they will call the loan term due or repossess the vehicle ; rather than trying to work with me to have suitable terms to pay the loan in full.
Product: Checking or savings account

Below are the key points of my complaint : 1. Statement Discrepancy : Upon closing my account due to fraudulent activity, I received a statement reflecting a positive balance of {$300.00}. When I contacted your office to request this balance, I was informed the account was actually negative {$300.00}. The representative indicated this was due to the placement of the dash after the {$.00}. 
I was under the understanding that in banking and mathematics, a negative balance is explicitly marked with a negative sign in front of the amount or otherwise clearly identified. 
Questions : Is the use of a dash placed after the amount now a standard practice to indicate negative balances in banking? 
If so, how long has this method been in use? 
2. Fraudulent Activity and Lack of Supporting Documentation : I have repeatedly requested documentation supporting the denial of my previous fraud claims, including a transaction list and evidence of the charges in question.

For example, one fraudulent ATM transaction for {$3000.00}, dated XX/XX/year>, remains unexplained and unsupported by any provided documentation. 
Why has there been a failure to provide transaction records to substantiate the claim that my account is negative? 
3. Misrepresentation and Emotional Impact : The ongoing misrepresentation and lack of transparency around my account have caused significant emotional and financial strain, particularly as I continue to deal with identity theft, personal family challenges, and other stressors. 
The failure to address these discrepancies feels not only neglectful but retaliatory, given the challenges I am already facing. 

I am requesting a detailed explanation of : The rationale for marking my balance as negative without explicitly labeling it as such. 
A full account history with supporting documentation for all transactions associated with my fraud claims. 
An explanation for the continued lack of transparency and apparent misrepresentation in the handling of my account. 

I expect a prompt and thorough response to these concerns. I look forward to your resolution of this matter in a manner that upholds professional and ethical banking standards.
Product: Checking or savings account

During the week of XXXX XXXX my XXXX and Wells Fargo accounts experienced a lot of unknown transactions ( checks deposited, claimed transactions, XXXX transactions XXXX etc. By the time that was happening I was receiving text messages, emails, and after that my account was locked, I called and reported case to the bank, but now I have a lower balance in my account to solve the problem the fraud caused me
Product: Credit reporting, credit repair services, or other personal consumer reports

My background report states that I have a XXXX XXXX pending and that is not accurate. This inaccurate report cost me the job in which I was getting the report for.
Product: Credit card or prepaid card

Account was originally being reported as being added to chapter XXXX bankruptcy ... Account is now being reported as charged off with several inaccurate late payments ... .would like account to be removed from credit file or report as it was once before included in chapter XXXX bankruptcy ....
Product: Credit card or prepaid card

On XX/XX/2022 I applied for the Venture X credit card through Capital One and was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a hard inquiry on my credit a month ago without my knowledge or consent. US SM BUS ADMIN ODA This was the company. My assumption is that this is an attempt at identity theft and someone is trying to open a small business loan related to covid relief funds in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although my car loan is paid off and I have a letter from the lender to that effect, Equifax still reports that I owe a charge off of {$6400.00} to the lender. All effort to try to correct this wrong has been fruitless. The lender told me that they sent a letter to Equifax to try to correct the wrong to no avail. I sent a letter requesting that this foolish report be remove from my credit file and I even even enclosed the the title of the and paid off letter to no effect.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third complaint for Equifax! 
These accounts below are a result of identity theft! 

XXXX XXXX # : XXXX Ive attached all the original documents from my first two complaints and one where XXXX has blocked and deleted the account, there for by law you should do and report the same.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX TRANSUNION FILE NUMBER : XXXX RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my TransUnion credit report, is the result of that trafficking. 
Accounts : Account numbers : Date Opened XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX And the following inquiries was as a result of the trafficking and Im requesting it to be removed. 
INQUIRIES : DATE : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX I have attached a copy of my SSN card, Valid IDs, and a copy of signed self attestation form to prove I am human who has been a victim of trafficking, so I do not need TransUnion to say or write me and say they could not verify me or my account. 
Please block this information from my TransUnion credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of human XXXX  or XXXX XXXX  if the consumer has provided documentation of XXXX  to the agency. I have attached documentation of my self attestation to you TRANSUNION Survivors do not need to provide additional evidence to prove their connection to trafficking, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Ive told the company 3 times not to contact my main line at my employer due to the fact that we can not have personal calls going to that number. Ive explained to them as well that I can get in trouble for them calling that main line number. Which is why I only gave them my direct number at work as well as my cell phone number. I never provided them with my main line number. Ive explained to them over and over the times to call me and yet they dont. They still continue to call outside of those hours which are hours that I am not available. 

Ive them back in back in XXXX of XXXX XX/XX/2023 and just yesterday XXXX XXXX to not call the main number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Refer to complaint XXXX. NONE of the questions were answered. 

XXXX Received letter dated XXXX, stating " We have received a request and added to your credit report an Extended Fraud Alert. '' 1. WHO/WHAT/WHEN/WHERE/HOW requested to ADD the fraud alert? I have NEVER requested such alert. 

2. Provide US based customer service direct phone line, not some generic line where there is no way to talk to humans. Provide 2 names, job title, and phone numbers that I can reach directly.
Product: Debt collection

I rec. a debt collection letter. I responded immediately upon receiving this letter in the mail. I disputed the debt/debt validation. I requested the following information.

I respectfully request that they provide me with the following information for this debt.

( 1 ) identify the original creditor, ( 2 ) last date of activity, ( 3 ) last date account was paid, ( 4 ) an Original copy of the contract between myself and the original creditor with my signature, ( 5 ) the proper and legal assignment contract between you the collection agency and the original creditor ( proof that you can legally assigned to collect this debt on behalf of the original creditor and not just buying debts for pennies on the dollar to collect illegally ) ; purchase agreement, ( 6 ) proof that you are licensed to collect debts in the State of Mississippi.

( 7 ) a line by line accounting of the ORIGINAL account ( transaction history, a full breakdown ), They did not provide me the information requested and after receiving my letter in which I responded within 30 days,. They reported this debt to the credit bureaus and ignored my request. I am trying to obtain a mortgage and they have damaged my credit and me with this negative reporting. They have violated my rights under FDCRA, FCRA, and 1692g ACT ( b ). I am entitled by law to the following information above according to the law and they have violated my rights. Up to this date I have not rec. the information above I requested well within my 30 day period according to 1692g Act ( b ). And after receiving my request that I sent returned receipt requested and they signed for it they still reported this debt to the credit bureaus and have not sent me the information I am requesting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit file and there is mistake in my report : XXXX XXXX XXXX - I have never paid late this account, insurance paid late, please remove late status
Product: Credit reporting or other personal consumer reports

I applied for FAFSA and was awarded federal pell grant at the time which was valued just about XXXX usd taking 2 to 3 classes at the time. There was even excess amount which the school credited to me. When I graduated, I got reports on my credit couple of years later about owing loans. There was another student who carried the same initials and name as me but only thing that was different was our middle names. There is no way I owe the reported loans because I did not use any loans for school. Wrong identification .Last federal loan paid off was through XXXX XXXX  and i have a letter from the US DEPARTMENT OF EDUCATION with payment complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus had not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance {$67.00} ; XXXX XXXX XXXX XXXX Balance {$67.00} ; XXXX XXXX XXXX XXXX Balance {$67.00} ; XXXX XXXX XXXX XXXX Balance {$65.00} ; XXXX XXXX XXXX XXXX Balance {$67.00} ; XXXX XXXX XXXX XXXX Balance {$61.00} ; XXXX XXXX XXXX XXXX Balance {$86.00} ;
Product: Checking or savings account

On XX/XX/XXXX there was an unauthorized transaction made on my credit karma money account, which was only created to have my income taxes deposited into. The merchant was XXXX XXXX and the unauthorized transaction was in the amount of {$600.00}. I have since disputed the unauthorized transaction with Credit Karma on XX/XX/XXXX and their response to my dispute was dispute unsuccessful, we tried our best, but couldnt resolve your dispute submitted. They also informed me that I could not appeal their decision and it was final. Upon speaking with XXXX XXXX ( XXXX XXXX ) they told me since the transaction was not authorized on my account they couldnt help me file a dispute and that they would need to speak with the person who authorized the dispute. It is crystal clear and very apparent that Credit Karma did not do their due diligence during the investigation process or else they would have sided with me in regards to the transaction being unauthorized and fraudulent.
Product: Payday loan, title loan, or personal loan

I have a Care Credit account through this bank. I changed {$7700.00} total in XX/XX/XXXX and XX/XX/XXXX of this year at 18 months no interest. 
I set up automatic payments from my bank account for timely payments. However, I did a balance transfer in XX/XX/XXXX with XXXX, at that time the balance owed was {$4900.00}. This company did not transfer the funds until another payment was due which was 6-8 weeks later. 
They took {$350.00} from my bank account and finally transferred the {$4900.00} which left a credit of {$350.00}. 
To date I have NOT received my refund. They've been telling me the check was mailed on XX/XX/XXXX. 
Not received, then they've told me that a stop payment was made on that check and another issued on XX/XX/XXXX. - not received. I have pleaded with this people to send my {$350.00} by overnight express and I'll pay the charge, they won't do that either. It's been nearly two months now on XX/XX/XXXX. 
They intentionally held back sending the funds balance transfer until another payment was due and at that point I thought they transfer amount would have/should have been less the {$350.00} but I was wrong. 
Please HELP me get my money owed to me from this " bank '' asap! 
I'm at my wits end. 
Thanking you in advance XXXX XXXX
Product: Vehicle loan or lease

This company continues to apply payments incorrectly after asking them to apply to principle. They make it very complicated on all matters. I have set up payment arrangements and they refuse to adjust if needed. They offer for you to speak to one person " the account manager " who is never there. If you inform them it's not a fair practice, they leave you on hold continuously as punishment. Recently on XX/XX/XXXX and XX/XX/XXXX they refused to allow me to change my payment amount. This company reports you to the better business bureau incorrectly. If you review other customers online we all complain about the same issues. Their practices are not regulated therefore they could care less about the customer. A consumer lawsuit is on the horizon due to all of their unethical practices as a company.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report to find the following items to be incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to my records the information your are reporting on this account is inaccurate. I demand that you remove these accounts from my credit report immediately. 

By the provisions of the Fair Credit Reporting Act of XXXX, 15 U.S.C 1681 et seq., I demand that these items b reinvestiged and deleted from my credit record. Please send me the names and address of the companies that you contacted so I may follow up. 

Under The terms of section XXXX I of the Act you have 30 days from receipt of this information to verify this disputed information. In the event you fail to verify this data, of fail to respond to this request altogether, the disputed data must be deleted in its entirety. 

Also, pursuant to 15 U.S.C. Section 1681 d of the act please notify me when the item have been deleted. 15 U.S.C 1692g,15 U.S.C 1681 I 1A
Product: Debt collection

XX/XX/2023 - I sent pay for deletion certified mail document to National Credit Systems Inc after finding out this debt existed from checking my credit report. The immediately denied my request by telephone. 

XX/XX/2023 - Called National Credit Systems to figure out if anything was possible regarding payment plan. They agreed that if I could pay 70 % of the debt then thr accont would be resolved. Later in the same phone call I asked if I could get this agreement in writing and the agent said No because the offer is time sensitive. I pleaded with her that I needed it in writing and she said okay but the 70 % offer would be cancelled and I would have to pay in full. I said respectfully, I need proof of our agreed upon payment before I pay anything. She then proceeded to tell me that my credit would be ruined because they will make sure its reported every month. After the phone call, I received an email from the company regarding the agreement of 70 % paid would take care of the account. However, the agreement changed to 70 % in full by XX/XX/2023 2023
Product: Consumer Loan

I borrowed {$2000.00} from check n go with payments of {$320.00} due every other week for XXXX weeks. After making my XXXX payment, i asked what the payoff amount was, and they told me {$2300.00} which is more than the principle even after i had already paid {$650.00}. Negative amortization is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit file and unfortunately found that some of my personal information were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following personal information from my credit file within the next 15 days. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX
Product: Debt collection

This is not a valid collection and it is time barred. I have reached out to the FCC and the XXXX  to file a complaint against XXXX XXXX as they are unable to provide proof of debt or an accounting history or breakdown to how the balance came to be what it is with no notes in my file.
Product: Checking or savings account

For the last 10 months, M & T Bank charged my account {$24.00} per month for premium services, but would not provide any of the services. They would not allow deposits or withdrawals or enable me to meet the requirements to waive the fee. I contacted them to change the account to a free account, and they refused to do so. 

I have not received any services for 10 months. I am entitled to credit for the monthly {$24.00} fee when they stopped providing services. 

Now they are threatening to take my account into overdraft due to the fees but they will not allow me to make a deposit.
Product: Mortgage

Banco Popular mortgage has 2 properties or lots that used to be ours and are on each side of our house and the house 's mortgage is with Banco Popular, all 3 lots have unstable soils and cost close to $ XXXX millions to repair or cure the 50 feet deep of unprepared soil that we inherited and we gave Banco Popular the soil studies to confirm our situation, We could sell those properties but we had to deceive or commit fraud against the potential buyer so we got hit and lose a lot of our capital, Banco Popular are offering these properties without the full disclosure that we gave them and the new buyers want to construct residences without the curing and ignoring the history of land slides in these properties, we just did another soil study and comparative topography of the area and just to reconfirm that lots are unstable and are worst and if the curing is not done will affect our house that is in the middle, all of this is confirmed by my structural and soil engineers, what can you do to help us? we had to bankrupt under chapter XXXX to protect us, BPPR just don't care and keeps hurting others because if the expensive curing is not done will damage our house, the new residence and life can be in danger.
Product: Checking or savings account

recieved a call from a man claiming to be from Discover Bank 's Fraud Detection Dept regarding two charges that were made on my account that they flagged as fraudulent due to the billing address that was used for these purchases being in a state that is across the country from where I live. I asked him to verify that he is from Discover and he told me to look at the back of my debit card and verify that the customer service phone number listed on my card is the same number that he was calling from. It was. The number that came up on caller ID when he called was XXXX which is the main customer service number for Discover Bank. He then told me that he wanted to cancel my existing debit card and have a replacement card expedited to me ASAP. He asked me for the last 8 digits of my card number, the exp date, security code and for the number on the card that starts with an X-. I was XXXX enough to believe him, and provided my card information. He then told me that ne needed to send me a one time code to verify my account ( which Discover ALWAYS does ). I got the text message and gave him the code ( without reading the entire text ). Then he asked me for my SSN and I immediately hung up and called Discover to report the call and report probable fraudulent activity. The text message that I received that included the verification code that I GAVE TO HIM read as follows : " Please enter code XXXXXX to use your Discover debit card in XXXX XXXXy. If you did not request this code, please call us at XXXX. '' How stupid am I for not even noticing that before I gave him the code. The guy proceeded to call me back 8 times, repeatedly while I was on the phone with the ACTUAL Discover fraud without leaving a voicemail once. I also called XXXX to have them remove my card from any payment activity through XXXX XXXX. I was sceptical about the call because I've never gotten a call like that from Discover before, but obviously not skeptical enough to not give him my bank account information without much hesitation. It's unnerving how legitimate this call seemed until he asked me for my full social... .but by that point, he had all of my checking account info. Don't fall for this.
Product: Debt collection

in XX/XX/2017 this debt was resolved thru several phone calls and emails. I was told several times that I was correct, that the debt was not mine, not to pay it, and I escalated it to the highest level to make sure it was resolved. I assumed it was resolved as I have not received a bill then and that was 6 years ago. Then, out of nowhere, I start receiving bills. I called the company and wrote the company to let them know, and they have no proof and no emails and no records that the debt was resolved. Unfortunately, the emails exchanged I do not have access to. I did everything humanly possible to resolve this in XX/XX/2017, and it was resolved. I also have written to the company and called them on the phone to get this dismissed, and they have moved forward sending this to collections. 

The debt was from XXXX XXXX, account XXXX XXXXXXXX for {$1500.00} from XX/XX/2017 they have moved it to AssetCare, master account XXXX XXXXXXXX If it wasnt resolved, why havent I received a bill since XX/XX/2017? I do not owe this money, and it was resolved in XX/XX/2017.