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

Please see the attached letter for detailed information on my dispute with [ TransUnion Consumer Solutions ]. The document outlines the specific FCRA violations and the issues related to the reporting of the Fraudulent accounts in question.
Product: Vehicle loan or lease

I am filing this complaint against XXXX XXXX XXXX and Santander Consumer USA due to deceptive lending practices, contract misrepresentation, and failure to honor my rescission request under the Truth in Lending Act ( TILA ), 15 U.S.C. 1635.

Details of the Transaction : Date of Purchase : XX/XX/XXXX Vehicle : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Financed Amount : Approximately {$48000.00} Lender : Santander Consumer USA I later discovered contract discrepancies, misleading financing terms, and undisclosed vehicle issues, specifically : The GAP agreement and financing documents listed the XXXX XXXX XXXX as {$48000.00}, while the actual value was {$27000.00}. 
The contract structure appears designed to shift liability away from the dealership to the lender, raising concerns of predatory lending and deceptive financing. 
A professional inspection performed by a certified XXXX XXXX dealership uncovered mechanical and structural issues that were not disclosed at the time of sale. 

Actions Taken by Me : XX/XX/XXXX I sent a rescission demand letter to XXXX XXXX XXXX and Santander Consumer USA, requesting cancellation of the contract under TILA 15 U.S.C. 1635 due to misrepresentation. 
XX/XX/XXXX I filed a XXXX complaint against XXXX XXXX XXXX regarding deceptive practices and contract misrepresentation. As of today, no resolution has been provided. 
XX/XX/XXXX I sent a correction letter via certified mail and fax to XXXX XXXXXXXX XXXX correcting an administrative error regarding my tracking number. 
XX/XX/XXXX I sent a rescission demand letter via certified mail to Santander Consumer USA, requesting contract cancellation under TILA 15 U.S.C. 1635 due to misrepresentation. 
XX/XX/XXXX Santander Consumer USA received my rescission request, confirmed by USPS tracking. 
XX/XX/XXXX As of this date, Santander has failed to provide a written response acknowledging or processing my rescission request. 
Issues and Request for Resolution : Failure to Honor My Right to Rescind Under TILA 15 U.S.C. 1635, I have the right to rescind due to material misrepresentation, yet neither company has responded. 
Deceptive Financing & Inflated Vehicle Value The XXXX XXXX valuation discrepancy suggests deceptive pricing tactics. 
Failure to Disclose Mechanical Issues The XXXX XXXX dealerships inspection uncovered issues that were never disclosed at the time of sale, further justifying the rescission. 
Unfair Contract Structuring The contract wording appears designed to protect the dealership from accountability while shifting liability to the lender.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I had received my check from work at around XXXX or XXXX. My mother and I had decided to cash it at the Bank of America closest to us which was located in XXXX XXXX on XXXX XXXX since thats what the check had on it or it had came from. I had given 2 forms of ID with my supervisor information. Since I didnt have an account I was told by the bank teller that she had to go and have management approve. I waited 2-3 mins and was told he cant cash it. When I asked him why he stated the account number is wrong the check is fake will you please leave. I know he was being XXXX and discriminating me cause it was for {$1600.00} but it was real. I wasnt able to cash it til like XXXX or XXXX. The bank teller or manager wrote XXXX on my check. I didnt know what that meant.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App, ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I received a letter from Midland Credit Management concerning an credit card account through XXXX ( dated XX/XX/23 ). I did not open this account and had not received any bills, notifications or phone calls regarding its existence. I am a victim of identity theft. I called Midland Credit Management and asked for information concerning the account including where and when it was opened and how a fraudulent account was opened in my name. The phone call was just accusatory. I then mailed them a certified letter on XX/XX/23 asking for this information in writing and stating that this account is a result of identity theft. They mailed me back a statement on the card, but no account number and no photo of the person opening the account. I have filed a police report, and FTC fraud report and notified all XXXX credit reporting bureaus and placed fraud alerts on my account. I will be placing a freeze on my credit as well. I have contacted the XXXX bank and told them the account is fraud, but they refer me to Midland Credit. I am enclosing a copy of the account statement from XXXX it shows that it was mailed to a very old address- where I have not lived for over 7 years. I am also including a copy of my FTC Identity Theft Report and the police report that I filed locally. I work hard to have good credit and want to keep it that way.
Product: Checking or savings account

On XX/XX/year>, I reviewed my bank accounts and noticed an unauthorized withdrawal of {$2600.00} from my savings account on XX/XX/year>. The transaction was labeled as a teller withdrawal conducted inside the BMO Bank branch located at XXXX XXXX XXXX, XXXX XXXX, California. 

When I contacted the bank, they informed me that the withdrawal was made with a debit card and PIN and claimed there was nothing they could do. I immediately clarified that I did not make this withdrawal and requested a review of the security footage and the initiation of a fraud investigation. 

XX/XX/year> : The bank filed an investigation claim. 
XX/XX/year> : I visited the branch for an update, but they had no information or progress to share. 
XX/XX/year> : I spoke with the branch Vice President, who stated that because the transaction involved a debit card and PIN, it was unlikely I would be reimbursed. 
XX/XX/year> : I filed another investigation claim and again spoke with the VP. He informed me that while a report was filed, there was no case number. When I asked about camera footage from XX/XX/XXXX, he revealed that the branch 's cameras were not operational that day. 
Since then, I have been given inconsistent information and excuses with no resolution in sight. To date, I have not received reimbursement or clarity regarding how this unauthorized transaction occurred. It is highly concerning that the branch cameras were conveniently nonfunctional, leaving me without critical evidence. I continue to face delays and deflections, leaving me out {$2600.00} and deeply dissatisfied with how BMO Bank has handled this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to the 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to report an issue that I have encountered with my credit report. On XX/XX/2022, I requested more information regarding errors that I found on my credit report from your company. Instead of providing me with the requested information, the item was simply deleted and replaced on the clock. 

I believe that this action is illegal as it essentially reset the clock on the item and prevented me from obtaining the necessary information to correct the errors on my report. I am writing to request that the company involved provide me with the necessary information to correct the errors on my credit report. 

If this issue is not resolved, I will be forced to escalate this matter to the Attorney General 's office. I urge your company to take swift action to address this issue and provide me with the necessary information to correct the errors on my credit report. 

Thank you for your attention to this matter. 

Sincerely,
Product: Payday loan, title loan, personal loan, or advance loan

Today at XXXX I received emails stated someone had changed my personal information and updated my account number. Contacted the company because I received a missed call from them. They stated I requested a loan
Product: Debt collection

Subject : Urgent : Identity Theft and Unauthorized Account Opening Impacting Credit Dear I trust this message finds you well. I am reaching out to urgently bring to your attention a grave matter concerning my identity. Regrettably, I have recently fallen victim to identity theft, resulting in the unauthorized opening of an account with XXXX XXXX XXXX  without my knowledge or consent. 

The repercussions of this fraudulent activity extend beyond personal violation, affecting my credit significantly. To address this matter promptly, I have already filed a comprehensive police report to document the incident and am actively collaborating with credit bureaus to rectify the damage done to my credit profile. 

In light of these developments, I seek your assistance in expediting the resolution process. If there are specific procedures or documentation required on your end, please advise, and I will promptly provide the necessary information. 

I appreciate your understanding and cooperation during this challenging time. Your support in resolving this issue is crucial, and I am committed to assisting in any way possible. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Bank account or service

Fifth Third Bank closed my checking and saving accounts. When called the customer service No Reason was given. Made several calls. They just gave me the name and number for the investigation department to call ( XXXX ) and talk to XXXX XXXX there to get information about my closed accounts. I called XXXX XXXX every day for more than a week ( XXXX/XXXX/16 through XXXX/XXXX/16 ) and left several voice messages for her explaining my concerns and requesting a call back. No one called. 
Finally had my brokerage accounts fund manager XXXX, at a local Fifth Third branch ( XXXX XXXX, IL ) on my request, tried to get hold of her and was told that it was blocked for some suspicious deposits and withdrawals. The bank would not specify which transactions. I have checked with all my vendors and clients and none of them had reported any issues with the payments they sent or received. All deposits and withdrawals were made into/from the accounts within US.NO FOREIGN TRANSACTIONS were made at all. The branch manager who spoke to XXXX also mentioned that the case is being reviewed by a different person and she would be giving me a call to discuss this case within next couple of days. More than a week passed and no one called me. 
Later I received a letter from Bank Protection Department of Fifth Third Bank that my accounts would be closing within10 days ( Again no reason was given ) and a Cashier Check for the balance in my accounts will be sent to me shortly. 
It 's been several weeks now and I have not received the check for the funds that were in my accounts at the time they were closed. Fifth Third Bank does not tell me the status of the check. All my savings were in the accounts and I am left with nothing. Had to borrow money from family to pay the bills that were due right away and still no word on my funds availability from XXXX. I had over {$15000.00} in both saving and checking accounts all together. 

Please help me get my money back. 

I need Fifth Third bank to send me my money that was in the accounts when they closed it as they promised. I still have the letter that they sent to me stating that a cashier check would be sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

old accounts have been previously disputed that are not accurate and they have still been appearing on my credit report along with different old address that needs to be removed because none of them along with workplaces are not accurate, my name is not accurately spelt either i need those to be deleted asap!
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} ; XXXX XXXXXXXX Balance : {$7900.00} ; XXXX XXXXXXXX Balance : {$9400.00} ; XXXX  XXXX XXXX Balance : {$3100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXX XXXXXXXX Balance : {$7700.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX
Product: Debt collection

I was a victim of identity theft and noticed a collection from PORTFOLIO RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against PORTFOLIO RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and noticed there was a collection account opened back in XXXXXXXX XXXX XXXX  with XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX, I have no knowledge of this account, I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) XXXX XXXX XXXX XXXX I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a free security freeze from Experian on XX/XX/XXXX and again today, XX/XX/XXXX. I entered all the requested information. Both times I received a response on the website at the end of the application that said : " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered ''. It then asks me to mail the information I just entered, plus a utility bill and a copy of my driver 's license. 
1 ) I did not have any difficulty with acquiring a security freeze from XXXX and XXXX on-line. It happened immediately. 
2 ) My FICO score is XXXX ; Experian has all the information they need. 
3 ) I do not want to put my social security number on paper and send it in the mail, as is required by Experian to obtain the security freeze. 
4 ) My husband applied for a free security freeze from Experian on-line and obtained it immediately.
Product: Debt collection

I payed the collection on my credit report from Caine and wiener, my confirmation number was XXXX.
Product: Checking or savings account

This is day three of asking for my funds to be released plus the interest. I need my funds released or a representative to getvin contact with me and release the funds within a week. I am contacting a lawyer to get involved as how ridiculous you guys play and manage your company and your own money disputes.
Product: Mortgage

My wife and I started our home refinance on XX/XX/XXXX with VanKeef Financial. I was told by XXXX XXXX himself the refinance would be 45 days. It is now XX/XX/XXXX and there is no end in sight. The only requirement is for us to pay for another appraisal update due to Texas ' Disaster Declaration which we do not feel comfortable or fair that we have to pay since this should've been done long before XXXXXX/XX/XXXX snowstorm. All documents requested were submitted in a timely manner. We were only getting a response from VanKeef only when I email to ask for an update and each response came back with " We are working on the underwriting approval '' and sometimes no response. Calling them I do not get to speak with my Loan Officer or processor and does not get a call back. We have one primary home and one investment home that's paid off. None of our bills are behind and we have more than sufficient income to cover our expenses. There shouldn't be any reason this hasn't closed. At this point we feel like they are scamming us and just dragging their feet since they can no longer deliver the 2.25 % 15 year interest rate that we locked in at due to the market shift.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed accounts on my credit file that are not accurate, nor do i recognize them. These inaccurate accounts are hurting my ability to obtain credit. 
15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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: Debt collection

Letter from XXXX XXXX XXXX XXXX on Behalf of Loan Depot.. stating my loan has been transferred.. Loan Depot denies this 3rd party communication. My understanding I am protected by Moratorium enacted by congress for those impacted by XXXX. I was placed in forebearence. I was approved by Loan Depot for a re-finance and then sent to collections. When protected by Moratoriam I should not be placed in forebearance status nor sent to collections. I should be able to re-finance and roll back payments using equity from the home. I am protected by a moratorium.
Product: Credit card

On XXXX XXXX I paid my Macy American Express bill at the Macy store in XXXX New Jersey for {$650.00} with a check. On XXXX XXXX th Macy/Amex went into my bank account and took another XXXX out of my bank account for XXXX which I received. I discovered this on XXXX XXXX. I called the company and they had no record of the XXXX XXXX transaction. I was advised to send all the information from my bank showing their mistake which I did. Since that time after about XXXX or more calls too Macy/Amex customer service this issue is still not resolved. On XXXX XXXX I spoke with a manager who stated he would be able to credit my bank account for XXXX but my account would go into dispute for the XXXX which I paid but would resolve itself and be credited back to my account within 3 to 5 days. It is now 12 days and I my account is still in dispute for the original {$650.00} which I paid to my account. No one at Macy/Amex can get this problem resolved.
Product: Mortgage

Because of Santanders failure to properly process my home owners insurance declaration page and issue timely payment to the carrier, my homeowners insurance lapped on XX/XX/year>. This occurred even after complying with their request to provide the Homeowners Policy Declaration page. The declaration page was provided via email on XX/XX/year> to the email they provided by them ( XXXX ) and again on XX/XX/year> via text with a photo of the declaration pages. Attached please find a photo of the declaration page and original cover letter sent to Santander. The cover letter shows the email address, date and completion of the transmission on XX/XX/year>. It also shows my notes capturing the second attempt to submit the documentation via text. The second attempt was on XX/XX/year>.
Product: Student loan

I paid my loan on XX/XX/XXXX, and received confirmation. My loan servicing has now been transferred from XXXX XXXX XXXX XXXX to XXXX to Lendkey, and Lendkey is saying I have not made a payment yet and that it is overdue ( although this information should have been carried from XXXX ). I would like to know why my payment is not reflected in this new account. I would also like to receive verification of this debt now that it is with a new servicer, including the signed promissory note.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$4700.00}, {$0.00}, {$2800.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNTS 4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.