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

Tow unauthorized charges on my debit card while I was traveling overseas. I reported the incident right away to my bank fraud department when I realized my card was missing and that I was unaware of these charges. Upon my return from my trip I contacted my bank for follow up they inform me that I will be responsible for the charges. I disagreed and I visited my bank on XXXX and met with account advisor and I addressed the issue with the advisor explaining why was not my responsibility because someone having and that person someone was able to used my card. they told me they will escalate the issue to higher management decision. Today XXXX the bank drawback from my account the charges without notice.
Product: Debt collection

This false information has been removed from my other reports. This debt is NOT owed by me and the original " Debtor '' knows this! As does the collection agency, whom is committing fraud by still reporting this false information! It needs to be removed immediately!
Product: Debt collection

Collection agency contacted me by mail dated XX/XX/year> and identified the alleged debt as {$280.00} for services provided by XXXX XXXX XXXX  and not paid by insurance for date of service XX/XX/year>. 
The medical provider never sent me, in any form or fashion, an itemized bil of the alleged cost of each service prior, or even what services were to be performed, prior to sending the balance ot a collection agency. This violates the State of Texas Health and Safety Code, Title 2, Subtitle J, Chapter 185.
Product: Debt collection

Nissan Motor Acceptance has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had identity theft where my sister XXXX XXXX and her boyfriend exposed my social security online and she also bought a car from XXXX that I disputed ( which was this car ) and had insurance in my name I submitted my info to the IRS and they validated the identity theft. The XXXX account was removed off of my credit report as well. 


Please REMOVE this off of my clue report and send it to me so I can give it to my insurance company. I will submit old license and new license
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized hard inquiries on my credit report from your agency and formally request that these inaccurate items be removed immediately, per my rights under the Fair Credit Reporting Act ( FCRA ). 

Specifically, I did not authorize the following hard inquiries to be made : 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 XXXXXX/XX/XXXX Under the FCRA, credit inquiries from companies that I did not grant permission to are inaccurate items that must be removed from my credit report. These unauthorized hard inquiries are a violation of the Fair Debt Collection Practices Act ( FDCPA ) as well.

I am enclosing supporting documentation highlighting the inquiries I am formally disputing. A copy of my state-issued ID is also included to verify my identity.

I demand that your agency investigate these unauthorized hard inquiries and remove them permanently from my credit report within 30 days, as mandated by the FCRA. Failure to do so may result in me filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Please send a written response explaining your actions once the investigation is complete. Let me know if any other information is required from me regarding this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX is the company that is reporting this to XXXX and XXXX. They removed it on Equifax but they were not able to remove it on XXXX and XXXX. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Vehicle loan or lease

XXXX XXXX XXXX was paid off on XX/XX/XXXX. I received a pay off letter from SANTANDER CONSUMER USA, which has {$550.00} XXXX dollar class action lawsuit. The letter states the loan is paid off but does NOT represent a lien release. Ive been calling them for years and either I can never get through or they say that they will process the proper title to my car. Today, XX/XX/XXXX, I went to XXXX to run a title search on my car and it still shows SANTANDER CONSUMER USA as the lien holder. Upon XXXX And XXXX search, I see there are many Complaints over many years about this company not releasing title. I need to sell the car. 

There has to be an organization that can help consumers that are being ripped off by financial institutions. Can you help?
Product: Credit card or prepaid card

On   XXXX     i submitted a complaint with CFPB regardingg my  Kohls  store card. Complaint #  XXXX  with the CFPB. The response fro m Kohls state s that I have voluntarly requested paperless statements, and that my account is available online. I have never been issued a cc statement, only a notice that my statement was available online. However since the date of opening the account, i have never been issued and physical CC. I am able to make purchases in store when i provide a copy of my DL and enter my SS # in the card reader. Since i do not have a physical copy of my card, i have never been able to access the company website to pay my bill. This has never been an issue, since I usually pay my bill in full as described in Kohls   XXXX   XXXX   response to my compaint.  Kohls  also note that My email address is   XXXX  when it is in fact  XXXX  XXXX  XXXX .
Product: Checking or savings account

Regions Bank has repeatedly charged overdraft fees for charges that are pending and have not been drafted from my account. I am attaching a screenshot of my account. I had a balance in my account and several pending charges that had not cleared my account yet. An overdraft charge was charged to my account which resulted in a negative balance. The money is there for the pending charges, so I was charged an overdraft fee for charges that could possibly result in an overdraft but have not cleared the account or been charged to the account yet. I don't feel overdraft fees should be charged until pending items have actually cleared or posted to the account.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigating of disputed information on my credit report, leaving inaccurate or unverifiable accounts. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX, Transunion, & XXXX has neither corrected nor removed disputed account XXXX XXXX from my report. This account has been paid & closed. I am requesting immediate corrective action to remove this account. XXXX, Transunion, & XXXX inactions are violating federal laws and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$520.00} ; XXXX XXXX Balance : {$600.00} ; IXXXX 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

hard inquire was done without my permission i wasnot present at the time this was done! 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be removed. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these items ( A ). I hope these disputed items will be repaired immediately : 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: Vehicle loan or lease

On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX in XXXX, Ga. on XXXX XXXX XXXX to trade in my XXXX XXXX XXXX for a later model of the same. After being there for 6 hours I left signing my contract and didn't know the trade in was not included. Last week my bank took the payment out and I called them and told them I had traded the car. The bank informed me they had no paperwork of the trade. I had sat down with XXXX XXXX, General Manager of XXXX XXXX XXXX and told him the reason I was there. I had made an appointment with him previousely. XXXX XXXX then assigned XXXX XXXX to help me with my trade/sale. She asked about my car and the lienholder, and mileage. I had no idea the car had not been traded until last week. I had been trying to communicate with dealership to see if they can redo the loan and no one is getting back with me. Friday I went to the local precinct because I was told the car wasn't traded but XXXX XXXX said the car was not there. It was on the lot for 30 + days and no one never tried to call and tell me that the car was not traded. I was asking for my loan to be modified to include the trade. I am on social security and a part time job and I can not afford 2 car payments. I should have never got approved for a second car with my debt to income ratio without one being traded. I was negligent in not realizing my trade was not included in this loan, the dealership is also negligent by pushing through a loan my income surely indicates I can not afford 2 loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Please correct this immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

My husband and I applied for the USBank Visa FlexPerks card under the XXXX promotion this past XX/XX/XXXX but have been denied the incentive FlexPerks points. We applied online on XX/XX/XXXX after having previously ( within a couple of days, if not even the day of our application ) talked on the phone with a cardmember service/customer representative who informed us, after our explicit inquiry, that we were definitely eligible for the promotion. After not receiving the points, we inquired as to why. The response from USBank was that we did not apply using a particular promotion link. When we on the phone with the USBank representative, we were not directed to use such a link. Even so, we did click through the dedicated promotional page, if not the promotional link, to find and fill out the credit card application. 
USBank 's argument was that the company often has multiple promotions running at once and that they would not be able to say for sure that we applied under the XXXX promotion. However, we applied during the designated timeframe for the XXXX promotion and have a call on record indicating our intent to apply for that card. After requesting that cardmember services pull the call we placed prior to our application, the cardmember service manager refused to take action by reviewing the call because it " was n't associated with the particular credit card account. '' It 's upsetting that they will not pull the call, which will clearly indicate that we intended to apply for this specific promotion ( and that we subsequently did apply for the card through which the promotion was offered ) even though my husband and I have two other cards with the bank, and my husband has been a USBank customer for some-20 years and, as such, our call would be accessible, if only associated with a different card or the account more generally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called capital one countless times to inform them the following names do not live at XXXX XXXX XXXX XXXX XXXX ny XXXX. These are family members or friends that capital one had agreed to remove from getting mail but we still continue to get mail for them. 

The following names need to be removed 1- XXXX XXXX 2- XXXX XXXX 3- XXXX XXXX 4- XXXX XXXX 5- XXXX XXXX 6- XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to dispute this bankruptcy that is reporting on my credit report. I believe the reporting information to be inaccurate so I disputed it directly with Experian and the US Bankruptcy Court in XXXX, TN. The US Bankruptcy Court in Tennessee sent me a letter back stating that no one from their office verified any debt with Experians, by third party, by document entry, recorded transcription, or written requests by validation of name. They only verify what is given on public information given from 3rd parties and that is not proper validation of a debt. I demand that this bankruptcy listed on my Experian report be deleted. Experian lied about their method of validation as verified by the US Bankruptcy Court of Tennessee.

US BKPT CT TN XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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
Product: Credit card

This goes all the way back to last year. I have several disputes with them and this has been an ongoing issue with them. My billing statement for XX/XX/XXXX had new balance {$220.00} which those would be from the disputed amounts. It had purchases nothing. Showed minimum payment due {$29.00}. called and spoke to XXXX in XXXX XXXX and she informed me I didn't owe anything. Fed statement came showing prev balance {$220.00}, other credits {$15.00}, purchases {$95.00}, fees {$29.00} late fee, Interest Fee {$7.00}. There was items on this that I had to dispute. {$30.00} XXXX shop. Which left a purchase coming to a total of {$55.00}. Called and spoke to XXXX in Customer service XXXX said she would credit acct for late fee and interest. Made my payment on XX/XX/XXXX in the amount of {$55.00} which was due XX/XX/XXXX. 
Statement comes for due date XX/XX/XXXX. showing prev bal {$340.00}. Purchases-NONE, Late Fee {$29.00} Interest Charge {$6.00}. Called XX/XX/XXXX spoke to XXXX in Customer Service said interest and late fee would be removed. Said it would take XXXX hours and nothing would be due in XXXX. XX/XX/XXXX spoke to XXXX said interest fee and late fee would be removed. Spoke to XXXX in Customer Service said you only pay for purchases made. Not disputed charges. Said things are still in dispute process and when applied would come off prev balance. Received statement in the mail today Payment due date XX/XX/XXXX. Prev balance {$290.00} Purchaes {$300.00}, fees {$39.00} late fee, Interest {$14.00}. Showing New Balance {$620.00} Past Due amount {$39.00}. Saying Min payment Due {$99.00}. Here is a break down of Transactions on this one. 
XX/XX/XXXX In XXXX XXXX {$160.00} XX/XX/XXXX XXXX {$24.00} XX/XX/XXXX In XXXX {$50.00} XXXX XXXX {$39.00} Dispute amount of {$24.00} leaving balance of {$14.00} So I should only owe {$240.00} I have been on the phone with them today of hours in regards to this late fee and interest. I was told by a manager she would not remove the late fee and interest. Even though you can see from previous conversations with reps and charges. I was not late and do not owe this late fee or interest charge. I asked to speak to someone in the disputes dept today and was told you can't speak to them. You can only fax something to them. I have also been getting phone calls from them saying I'm past due on my account. I have to call them at least once a week over this mess with this account trying to get this straighten out.
Product: Consumer Loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX TD Bank, XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX, XXXX XXXX : Loan number XXXX To whom it may concern : Last week I received a notice from TD Bank stating that my loan payments are past due. I have spoken by telephone with TD Bank representatives numerous times in the past year to dispute late-payment fees and repeated claims that I am behind on payments, and we have gone over my loan-payment history, which shows that the total amount I have paid since I took out the loan is sufficient to cover every month through the end of XXXX, and yet I am still being harassed by such claims and fees. 

Upon reading the latest notice, I called TD Bank yet again, and was told this time that TD Bank has received no payments from me since XXXX XXXX. I acknowledge that I did not make a payment for XXXX - the reason being that I have been in full-time job-training classes since XXXX and currently have no income other than inadequate unemployment compensation - but according to my records TD Bank processed the payments I made for XXXX, XXXX, XXXX and XXXX XXXX. 

In view of the fact that for the first 48 months of my loan I made payments in full or above and on time, even for eight months after losing my full-time job in XXXX XXXX, I believe I deserve some accommodation now that my only income is unemployment compensation that barely covers groceries and auto insurance premiums. I have asked that payments I made in excess of the monthly amount due between XXXX XXXX and XXXX XXXX, which add up to {$410.00} over the total due, be applied to XXXX XXXX, which is the fair way to count how much of my loan I have repaid to date, but my requests have been ignored. As of today i called and I was told that I have not pay XXXX/XXXX/XXXX. according to my record I made XXXX payment on XXXX and check number XXXX was cash on same day. every day I do call TD bank is always same story. 
I have been told to go to XXXX at my local TD Bank branch in XXXX, New Jersey, sit with authorized person to review my account with me but was not success, so I would like someone who is authorized to meet with me in person and go over all of these issues. I also notice that the report that TD bank submitted to XXXX and XXXX are untruth. On XXXX/XXXX/XXXX, XXXX history report in outstanding balance of {$5300.00}. According to my record balance is {$4400.00}, without XXXX/XXXX/XXXX payment once I pay XXXX my balance will be {$4000.00}. Please update my account records.I sent this copy to TD bank they still want to claim what they want and I 'm paying my bills I do not know what they want. they keep on sending me all these letters. Please someone read what I wrote to them and explain what I 'm saying. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

A transfer I knew nothing of BANK OF AMERICA Fund Transfer XX/XX/2021 XXXX Direct Deposit Funds Transfer to checking/savings $ XXXX
Product: Vehicle loan or lease

In XX/XX/XXXX, I visited route XXXX XXXX, spoke with XXXX he sold me a XXXX XXXX XXXX for XXXX after taking out the trade-in price of XXXX. I show him the car was valued at $ XXXX, but it was too late, sales pitch, wouldnt take no for an answer etc THEY GOT ME. They gave me a loan from Santander consumer USA for XXXX, 72 months at 20 % interest. 

Ive been trying to get out the loan for a lower interest rate for 2 years but no one will touch a loan that the loan is SOOOO MUCH more than the value of the car.
Product: Credit card or prepaid card

pay balance in full- payment not process -- left as charge pended charge- NOT CREDIT-
Product: Mortgage

I missed only one payment, and as soon as I found out made the payment plus the late fee, but I still got a " Notice of Foreclosure '' from Bank of America! This is very frightening. I have lived in this house and paid faithfully on the mortgage for over 17 years. 

I have been extremely ill in the last years and have been late on some payments. This documented illness is why I missed that payment in XXXX this year. Oversight, nothing else.
Product: Credit card

On XX/XX/2023 I applied for Chase XXXX credit card, promising {$250.00} XXXX credit upon approval. I am attaching a screenshot of the offer. 
My application was approved, yet instead of {$250.00} advertised I only received {$100.00}. 
to make a long story short, after multiple interactions with Chase, I was basically told, they will not honor that promo, since they do not " provide manual adjustments or credits for promotional offers ''. 
As it stands, this is a blatant case of bait and switch.