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

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies TRANSUNION and XXXX to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness Documentary evidence is NOT photocopies of alleged billing statements from the original creditor. I request that I receive copies of any and all contracts between me and the original creditor and copies of any and all contracts between myself and XXXX. Additionally I am requesting that the consumer reporting agency provide written verification from me that proves I have given them written permission to report this account on my credit report as Also 12 CFR 1016.7 states that a consumer may exercise the right to opt-out at any time. My terms and conditions on my contracts state clearly that these companies will not report nonpublic personal information to non-affiliated third parties. The original creditor, XXXX, TRANSUNION and XXXX are all in violation of the Privacy act of 1974 with the disclosure of nonpublic personal information. Any type of transaction history or account reporting is a violation of that act. 15 USC 1681 section 602 ( a ) states that it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. I have not received any written correspondence from the original creditor or XXXX XXXX in reference to this alleged collection account. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts presumed by XXXX XXXX until XXXXXXXX XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused by the original creditor, XXXXXXXX XXXX XXXXXXXX, and Transunion. They shall be liable for violations of TILA, FCRA, FDCPA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. also the statute of limitations on collections for the State of South Carolina is 3yrs as is the statute of limitations on collecting for the State of Delaware where XXXX XXXX is incorporated.
Product: Credit reporting or other personal consumer reports

I was a victim to parental abuse, she used my social to open various accounts. This has been documented and reported. I have provided the SELFFINACIAL/LEAD BANK with a copy report from identity theft gov and asked that both accounts be removed because they are not mine. I initially reported the first account on XX/XX/2024 Sbnaselflndr and the other account XX/XX/2024 SELF FINACIAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, other items still need to be updated and corrected. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

My name is XXXX XXXX, and I am formally disputing the inaccurate information listed on my credit report. In accordance with XXXX XXXX. XXXX and XXXX XXXX. XXXX, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. 
Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to XXXX XXXX. XXXX, I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 
Please address this matter promptly and confirm the removal of the disputed entries.
Product: Debt collection

They failed to properly notify me of student loan debt. No written paperwork concerning my debt or payment options. Just ended up having late payments on my credit report without proper notification of when I was supposed to pay or my plan. I was sending in paperwork for my payment plan but was never notified or sent back paperwork to communicate if paperwork was received. Then I ended up having all these late payments on my credit report which is unfair and not lawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted Experian once again to have them remove the Fraud Alert and Extended Fraud Alert ( Confirmation # XXXX ). However, prior to getting a gent on the phone that automated thing they have in place that allows you to speak and get to a gent insisted on as I spoke REMOVE A FRAUD ALERT it insisted that I wanted a Fraud ALERT ADDED. Well I hung up and called back only to experience the same sickening situation. I finally got a gent on the phone and this was around XXXX XXXX she or he stated that it was done and that i would receive email confirmation and I did receive email confirmation that it was removed " SEE ATTACHMENT. However, around XXXX XXXX I received another email stating my dispute requested was open " SEE ATTACHED '' and I was confused but didn't think anything about it. Then this morning I wake up around XXXX XXXX and check my credit report and see the notifications within the Experian Account and it STATED I REQUESTED A FRAUD ALERT BE ADDED AND IT WAS ADDED! I THREW UP. I literallly got sick. I never asked these people to put this on my credit report and they have even stated they did this from some third party agency. I started a dispute to have inquiries removed from my credit report on XX/XX/2022 and since then they have been removed. However, this statement has been a constant battle to get removed and stay removed even after asking and it be removed only to be put back on without my consent.
Product: Money transfer, virtual currency, or money service

I had to transfer money for an emergency situation. So, I seared in Web and found ''Choice Money Transfer, a member of Small World Financial Services Group ''. 
I created my profile and did my first transaction for {$1000.00} on XX/XX/2021, without any issues and they did not ask me for any documents. On XX/XX/2021 for second transaction, this transaction got me problems, I transferred {$1200.00} and they did not ask me for any documents till they debit money from my bank account. Later on, they started sending me emails for proofs on income and asked me to fill compliance form. The form is mentioned that 'It showed be filled for transactions over {$2500.00} ', despite that, I filled all my details and I shared all my documents ( I sent my personal confidential information 's ). After that, they took a day to process, but still they are not ready to validate my transaction. 
From the time I started the transaction, I called their customer service for more than 10 times and sent over 8 emails. I went into serious XXXX and confused state. 
Till then, they were not ready to complete my transaction, finally, they cancelled my transaction. 
They debited money from my bank the next minute I submitted my transaction. But, the refund process takes 3-5 business days. I can not accept this, If they are not ready to process the transaction, they should refund immediately. How will this is fair solution, During this 5 days time, I have to undergo lots of pressure and XXXX and my emergency situation had worsen. I am worried that, they can misuse my personal details in one or other way. This organization rules are not open and transparent to customers. Customer care executives are not ready to transfer customer calls to next higher level officials.
Product: Credit card or prepaid card

XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX Care Credit Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX RE XXXX XXXX XXXX XXXX HAIR LOSS EXPERT Credit my account with {$2200.00}. This is fraud. I do not care what they are saying. I have used your credit card in the past for my dental with no problems. The customer is always right and should be respected. 

The process is unfair. It is also unclear. I made one appointment on Thursday, XX/XX/2022. When I left the office, a day later I noticed the office generated a host of appointments for the entire fees charged. Without even consulting me and my schedule. XXXX. 

My Care Credit account was charged the full amount of {$4000.00}. XXXX consultation. XXXX me {$2200.00} after credit. No treatment just appointments. It was mentioned the products. 

The cancellation policy was not stated in the beginning. It is not included in the initial paperwork. I have attached the original document. The appointments were in the XXXX. I have included in the attachment. 

My current balance is {$3400.00} of that I only owe {$1100.00}. The {$2200.00} is still XXXX XXXX responsibility. I have been so disappointed with this situation. I have place Care Credit out of my thoughts. I have worked hard to maintain my credit. As a result, I have incurred late fees. 

XXXX XXXX
Product: Credit card or prepaid card

There was a fraud transaction on my Wells Fargo Credit Card on XX/XX/2021. My Card was used to make an unauthorized purchase of {$2000.00} at XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
I received the fraud alert from Wells Fargo on phone. Immediately I freeze my credit card and requested a new credit card. I opened a fraud claim with Wells Fargo for the same. Later wells Fargo posted this transaction to my statement and denied the claim. 
I submitted re-consideration and submitted following documents to the bank through FAX and also documents were sent to them to their po box Number : Copy of Police Report Copy of Text Message Fraud Alert Copy of Fraud reported to Credit Bureau Text message alerts from other bank where fraud happened at same time To my surprise reconsideration was also denied without providing explanation.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card. account under an open end 414 consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX there is some inaccurate information reporting. XXXX OF XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. XXXX there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX there is some inaccurate information reporting. Account XXXX : XXXX Please remove it from my credit report.
Product: Bank account or service

To Whom it may concern, Dear Sir/Madam, I am sending the this complaint for Citibank not honoring the Citigold promotion offer on which Citibank would post XXXX XXXX miles to applicant 's account after finishing the related requirements. 
I opened Citigold checking package around XXXX XXXX and fulfilled all the requirements around XXXX XXXX. The online chat customer service at that time confirmed I had finished all the requirements and would receive the bonus miles after 90 days as terms required. 
On XX/XX/XXXX, I sent a security message since I did n't receive the miles on time. The reply from the message is shown below : " I can confirm the AAdvantage miles have been processed to your account. However, be advised it may take an additional 30 days for the miles to post to your AAdvantage member account. '' Please find the attachment for details. 
Then I had been patient and waited another 2 months until XX/XX/XXXX since I trusted Citibank would honor the terms and what the customer service promised. 
On XX/XX/XXXX, I sent another security message to check my bonus miles status since it had been such a long time and it is not posted yet. Then the security message customer service this time stated that I was not targeted and would not receive the promotion miles. Later on XX/XX/XXXX, Citibank stated they would file an investigation while I do n't receive any response until now.
Product: Credit reporting or other personal consumer reports

I contracted Transunion to have them correct my consumer report and they have yet to remove the account. It is their responsibility to report 100 % accurate information and to protect my right to privacy. I pulled my reports off of annualcreditreport.com and it does not list any collections yet on XXXX XXXX a collection is being furnished by Transunion which is a major inaccuracy. XXXX XXXX XXXX is being reported to my consumer report without my consent.
Product: Prepaid card

I purchased a gift card with case at a XXXX a mile from my office. I used that gift card to make an online purchase. Shortly after making the purchase the merchant notified me that their payment XXXX had flagged and blocked the transaction. I was asked to provide personal information -- my usual e-mail address and cell phone number -- I provided the information along with a copy of the purchase receipt proving I had purchased the card but the XXXX refused to allow the payment to process. The merchant initiated a refund over 3 days ago but the refund is not processing to the card. Instead there is a second payment for the same amount listed with a status of " pending. '' There is no way to reach the card issuer in any way and I have made extensive efforts to do so. The merchant has provided a routing number for the refund, XXXX XXXX XXXXXXXX, but the issuer of the gift card -- Vanilla Gift -- has absolutely no way for a consumer to contact them to describe and remedy this situation. The end result is they have my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 ACCOUNT WITHOUT WRITTEN INSTRUCTIONS 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ACCOUNXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

SANTANDER BANK IS HOLDING {$60000.00} OF MY MONEY HOSTAGE BECAUSE THEY ARE INEPT.

THEY DO NOT FINISH WHAT THEY ARE DOING ANDE AT XXXX PHONE LINES ARE DISCONNECTED. I WAS ON THE PHONE 90 MIN, REPORTING 2 INCIDENCES OF FRAUD THE DAY BEFORE THEY WERE POSTED. THE NEXT DAY THEY WETE P [ OSTED TO MY ACCOUNT ... .. AND THEY DID NOTHING. XX/XX/year>. 
{$320.00}. XXXX and {$49.00} XXXX XXXX They were to send me new credit cards and ATM, WHEN THEY RUDELY DISCONNECTED THE PHONES.

NOW THEY SAY BECAUSE FTC RECOMMENDED I PUT A FREEZE ON VCREDIT REPORT, THEY CAN NOT SEND ME MY7 NEW CREDIT CARDS. HOW CAN A BANK HOLD MY MONEY HOSTAGE WHILE THE FTC RECOMMENDED I PROTECT MYSELF BY PUTTING FREEZE ON MY CREDIT REPORT. 

NOW MY CREDIT REPORT HAS BEEN RUINED BEC AUSE CREDIT CARDS HAVE FILED FALSE INFO .... XXXX AND XXXX XXXX...
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my report I found numerous accounts and inquiries listed on my report that I have no knowledge of. These items are a result of malpractice or an error.
Product: Student loan

I changed the type of repayment plan on studentloan.org to the one President Biden made recently. 

The system said something like " because your loan servicer doesn't participate in electronic exchange of information you have to manually print all the documentation out and mail it. '' This causes an undue financial and temporal strain on me. 

What law allows them to do this?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX To Whom it may concern, This letter is a follow up to my original letter dated XXXX XX/XX/XXXX ) regarding an inaccuracy in " Equifax Credit information services, inc '' credit reporting. specifically as it relates to credit inquiries that I did not authorize, made by the following companies : 1. XXXX CARD SERVICE Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX 4. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX 8. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX- XXXX XXXX Date : XX/XX/XXXX 10. XXXX XXXX XXXX : XX/XX/XXXX 11. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX CARD SERVICE Date : XX/XX/XXXX 14. XX/XX/XXXX Date : XX/XX/XXXX 15. XX/XX/XXXX XXXX Date : XX/XX/XXXX I did not authorize anyone employed by these companies to make an inquiry and view my credit report. This is a violation of the fair credit report act section 1681b ( c ) and a serious breach of my privacy rights. 



Equifax is still at Failure to respond satisfactorily within 30 days of receipt of the certified letter.
Product: Money transfer, virtual currency, or money service

This will be a second submission as I do believe my first submission was not received. 

On or around XXXX, 2022, I fell victim to a multi-layered scam operation run by XXXX, XXXX. Which involved me making deposits for a total amount of XXXX from my CashApp account. 

When I asked for help, I got automated responses by the bot ; If I got a person I would always get the same response as the bot. 

I would not like to stop my business with CashApp, and I'd very much like the matter to be resolved soon as possible in order for us to smooth out any rough patches or edges that we currently may have.
Product: Credit card or prepaid card

TD Bank opened a new credit card i did not ask fpr without my permission and without notifying me or my wife.
Product: Vehicle loan or lease

On XX/XX/XXXX, I financed a vehicle through XXXX XXXX, XXXX. I have not had the vehicle more than 30 days and it needs a power train control module which is not covered under the 18,000 mile, 18 month warranty. I feel I was taken advantage of by a predatory lender. The car dealer knew I have children that have to get to school and getting my spouse and I to and from work and that our other vehicle has been in the shop for almost a month. I do not want to pay for a vehicle that is essentially a brick. The loan total is around {$9800.00} I believe for a XXXX XXXXXXXX XXXX with about 173,000 miles. I would like to resolve this issue without any litigation if possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have old student loan accounts that should have been cleared with a bankruptcy that had been transferred around by the department of education and are now with Mohela. They had been updated as closed and are now showing that they are reopened again. After I went through the long process of getting them closed with the vendor. This loan for {$12000.00} should have been discharged and shows it was opened : XX/XX/XXXX; showed closed until XXXX XXXX XXXX ; now showing it open but comments still say closed. 

I also have student loans ( more recent ) XXXX or later that have been discharged and even after disputing them with the letter for the department of education, they are still reporting them as opened.