23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

The CFPB was great with my last complaint with the banks and credit card companies. However, there is another issue no-one ever seems to consider. I am certain that this experience has happened to you too. Now remember, multiply my complaint by 10 million customers every day and the money adds up. OK, you buy something, the credit card companies bill you immediately. Now, you return this item for a credit. Why does it take up to 8-10 days before you get your money on your card account??? They took the money with no problem, but when it comes to returning it, it takes 8-10 days. Imagine 10 million people every day waiting for their money to return? Meanwhile, the banks with the credit cards are using your money elsewhere and making money off your money, while they put you on " HOLD ''. 
It seems to me that anything the banks do, is always to cheat the consumer
Product: Checking or savings account

Received two bank statements from TD Bank in the mail today as well as a XXXX  debit card. All addressed to me with my first and last name. I have NEVER even heard of such company and i already have bank. I called a dozen times to their customer service fraud department and no one would give me information as to whether my social security number was compromised.. or how these accounts were opened without my consent. On the mail it says the accounts were opened XX/XX/2022 on a Sunday. I checked the mail today XX/XX/2022 and thats when i discovered the card and statements. I to 5 different people and all they could tell me was to drive to the nearest td bank .. which i refused because its hours away. They also refused to tell me where they were located .. and any details about the company nor could or did they verify any of my personal info ( like address, last 4 of social, anything like a real bank would ). Regardless, this is NOT okay and i want answers and i want proof the accounts are not only closed but i want severe reprimand for the fact that this is allowed to occur i should not have to worry about identify theft or fraud or my personal information being compromised. SHUT THIS COMPANY OR BANK OR WHATEVER THEY ARE DOWN i have found the class action against them, the complaints and thousands of fraudulent reports of them illegally opening up bank accounts .. this is outrageous!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XX/XX/XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX Balance Owed : {$150.00} XX/XX/XXXXBalance Owed : {$410.00} XX/XX/XXXXBalance Owed : {$38000.00} XX/XX/XXXXBankruptcy XXXX Date Filed/ReportedXXXXXX/XX/XXXX XX/XX/XXXXBalance Owed : {$540.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX Balance Owed : {$7700.00} XX/XX/XXXXXXXXBalance Owed : {$870.00} XX/XX/XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX XXXXBalance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed :XX/XX/XXXXXX/XX/XXXXXXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX Owed : XX/XX/XXXX XXXX Balance Owed : {$120.00} XXXXXX/XX/XXXXXXXX Balance Owed : {$2000.00} XX/XX/XXXXXXXX Balance Owed : {$660.00} XX/XX/XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Good morning dear CFPB team, On Friday XXXX, I realized that my PayPal account was definitely suspended and when I called the customer care service number the agent told me that apparently the platform I used to withdraw my money from PayPal to XXXX used a VPN to connect to PayPal. My PayPal account is linked to XXXX ( the service that I use in XXXX to bring PayPal money to that country ). Today I got in contact with XXXX 's customer care service and they told me that everything in my account was correct and they didnt find anything suspicious. I send a message to PayPal attaching the evidences that proved that I didn't to anything illegal and that I never did something against their policies, however their only responde is a cold " the decision in definitive and there is nothing we can do there ''. I called back and the agent told me the same, that there is nothing to be done. I don't understand how they can take these kind of decisions without considering all the evidences and supports that shows that everything is ok, this goes against democracy and the right I have to defend myself by showing evidences. I'm begging you to help me because they retained me {$420.00} and will released that money within 180 days, it's not fair that a big company as PayPal believes that they are untouchable gods. Finally, I asked them through the message customer care service to indicated me the specific reasons why they suspended my account which they never did, only responded with the same " we are so sorry but we already made a final decision ''. Thank you so much for all your support. The evidence is in XXXX attached is in XXXX.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed I have incorrect items on my Consumer report that I was not aware of. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy.

I have never been late on payments and also I have no knowledge of these Fraudulent accounts and Fraudulent inquiries Please investigate and provide Proof with statements showing that these payments were late and that these Fraudulent accounts and Fraudulent inquiries are mine.

If proof can't be provided I demand these payment accounts and inquiries be updated too on time as they should be as I was NEVER Late and the Fraudulent account and Fraudulent inquiries be removed.

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account is mines, if you can not provide me with this information in 15 days update the account to be removed XXXX send me a copy of my updated credit report. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report hich are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9300.00} ; XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX 2017 I was a victim of identity theft thru my driver 's license. XXXX XXXX was the only company not to dismiss the debt. The amount of {$1900.00} has been passed around numerous Debt Collectors that dismiss it themselves. I have had to take action for over 3 years and XXXX XXXX has never stopped. XXXX also didn't not give me any details under their dispute investigation.
Product: Debt collection

I am a victim of identity theft and I see inaccurate information on the consumer report.
Product: Credit reporting or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be deleted immediately since THERE WAS NO ORIGINAL DOCUMENTATION PROVIDED TO VERIFY THE ACCOUNT. THE ACCOUNTS ARE INACCURATE. 

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
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 bureaus consumer report and I noticed some inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} US BKPT CT XXXX XXXX XXXXXXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy Federal XXXX U.S. Bankruptcy Court XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy U.S. Bankruptcy Court XXXX XXXX  XXXX Bankruptcy US BKPT CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SEVERAL ERRORS REPORTING ON MY CREDIT REPORT AND NEED THE CREDIT BUREAUS TO PROCESS MY DISPUTE.
Product: Vehicle loan or lease

I am submitting a complaint regarding Santander Consumer USA and their predatory business practices. 

On a used car purchase in XX/XX/XXXX of a XXXX XXXX XXXX -- the car was sold and valued at approx. {$16000.00}. 

After 4 and 1/2 years of payments on the same car the payoff I was just given is {$11000.00}. 

Furthermore, the vehicle has not been operational for almost 2 months this year due to the failure and required repair of : - Replace the transmission ( @ cost of {$3000.00} ) - Replace the Rack & Pinion ( @ cost of {$750.00} ) - Replace the Radiator along with sensors and other related parts ( @ cost of {$530.00} ) Also, the cost of having to rent another vehicle while the XXXX has not been operational is another related expense that has approach {$400.00} so far in XXXX. 

While I understand Santander should have the ability to make a profit, in this loan they have exceeded being a practitioner of good business to an organization that preys on the financially poor or disadvantaged. 

I asked the Santander representative, given that my credit score is 150 - 200 points higher now than it was at the start of this loan, if I could receive a more reasonable interest rate. 

I was told " No ''. 

Santander has a 4 1/2 track record with me at this time, and despite my challenges over this time as a single parent with XXXX teenagers, they know by now I make good on my debts. 

I must have a car to drive to earn a living. 

The car I have now is having to many repair and loss of use expenses that it is affecting my ability to make payments. 

If I go to do a trade-in, I am so upside down with the unfair terms of the loan that I am without an option. 

I thank you and any executive with Santander for your advice on how we can address this situation in a more fair and reasonable fashion. 

Sincerely, ( Name not included as per website instructions )
Product: Credit card or prepaid card

XX/XX/22, I booked a hotel with earn more mall and make a full payment. The amount is {$2500.00}, I should receive additional 2 % cash back bonus, the value is {$50.00}. But i don don't receive bonus yet. XX/XX/22 Wells Fargo rewards agent open a case for me and tell me wait 1 week, The cash back bonus will post my rewards account. My case number is XXXX, But after 2 weeks, I still not received my bonus.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation! 
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: Credit reporting

On or about XXXX XXXX, 2016 I contacted the Transunion CRA requesting verifiable information of several negative events that are being reported on my credit file with this organization. The CRA never addressed my concerns in the letter and I would like these items deleted from my file immediately. The CRA are violating my rights pursuant to " 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. '' Please see attached correspondence from XXXX/XXXX/2016.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ) ( section 604A section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor nay not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00}, XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$2100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$950.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$710.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00},
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting that on XX/XX/2018 & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Product: Debt collection

Dear XXXX, I am writing to address the egregious violations of the Fair Credit Reporting Act ( FCRA ) and my consumer rights by your organization. As a diligent consumer, I have identified several discrepancies on my credit report that require immediate attention. 

FCRA Violations : Your failure to comply with FCRA regulations, including timely response to credit disputes and freezing my account without justification, constitutes a serious breach of consumer protection laws [ 3 ].

Civil Liability : Under 15 US Code 1681 ( n ), there is civil liability for willful noncompliance with obtaining a consumer report under false pretenses or without a permissible purpose [ 5 ]. Similarly, 15 US Code 1692 ( k ) addresses civil liability under the Fair Debt Collection Practices Act ( FDCPA ), stating that debt collectors may not be held liable if they can demonstrate, by a preponderance of evidence, that any violation was unintentional [ 1 ] [ 2 ]. 

Request for Detailed Information : I demand detailed information about the items on my credit report to substantiate any claims. If XXXX can not validate these claims, they must be promptly removed or corrected to ensure the accuracy of my credit profile. 

Impact on Credit Score : The false information regarding inquiries on my credit report has resulted in a decrease in my credit score, further exacerbating the damage caused by XXXX 's negligence. 

Legal Action : In light of these violations and the harm caused, I am prepared to pursue legal action against XXXX. I seek compensation of {$1000.00} for the damages incurred due to your non-compliance with FCRA regulations and failure to uphold consumer rights. 

I expect XXXX to take immediate corrective action to rectify these issues and provide me with a comprehensive resolution. Failure to do so will leave me with no choice but to escalate this matter further. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE 27 INQUIRIES ON MY EQUIFAX AND XXXX REPORT THAT I DO NOT RECONGNIZE. I HAVE CALLED EQUIFAX AND XXXX SEVERAL TIMES AND THEY REFUSE TO DISPUTE THEM. I HAVE ATTEPTED TO GET A POLICE REPORT BUT THE POLICE WILL NOT MAKE A REPORT BECAUSE THERE WERE NO ACCOUNTS OPEN ED AND MISUSED. I HAVE CONTACTED THE CREDITOR THAT RAN THE CREDIT NO REPLIES.
Product: Prepaid card

I received an American Express gift card from my aunt and uncle for XXXX on XX/XX/year>. The gift card is worth {$200.00}, however it is completely unusable and has declined every single time I have attempted to use it over the course of the year. I have tried payments on XXXX that have failed time and time again, I have tried adding it to my apple pay where it declines every time. I even tried to help pay my rent without success. I have reached out to the company and they say the card should work if I put my address as the billing address, they are wrong this does not fix anything and the card still declines. It continues to charge me XXXX cents for every attempt but usually reverses after a week. This is essentially theft, AMEX took money in exchange for a product, however the product is unusable and they are unwilling to do anything to rectify the situation.
Product: Credit reporting or other personal consumer reports

After reviewing my Experian credit report, I can see information on my credit report that were not authorized. I'm a victim of Identity theft and this information is not mine. The other Bureaus are not reporting this fraudulent information. Please see attachment below
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX -- INQUIRIES -- XXXX  - XX/XX/year> :
Product: Checking or savings account

No direct deposit into my account. No answer on when it will be fixed, and no effort to fix or prevent any consequences on my end received from not having money in my account.