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

my   XXXX   XXXX   XXXX   was declared a total loss after a hail storm on XX/XX/XXXX . My insurance company  XXXX  immediately sent a check in the amount of {$6800.00} dated  XX/XX/XXXX . I began calling Santander every few days to see if the balance had been applied to my loan so that we could move forward with getting GAP to pay the remainder of the loan. it was almost 3 weeks when I asked to speak with a manger worried the check had become lost. the manager assured me it can take some time to process and not too worry, i advised that my insurance company was also concerned and if much more time goes by they will consider stopping payment. A few days later the check was cashed, and I began asking them to please send GAP the forms needed to process the rest of the claim. Santander assured me they had already sent the needed documents and would refax them, all the while  XXXX  denies receiving them. Well a few days after the {$6800.00} was applied it was deducted from the account bringing the loan back to the full amount owed before the total loss. Santander assured me the payment was stopped on the check,   XXXX   proves it was not stopped.   XXXX    is now sending me nasty letters advising if they do n't get the info they need in 20 days they are closing my GAP claim. my loan is now 36 days past due and counting. My insurance company has spent numerous hours arguing with santander as well as myself. I have gotten no where, it 's ruining my credit, and now i 'm in a time crunch for my gap claim.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure. 

Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

The following accounts are 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 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 card or prepaid card

XXXX XXXX XXXX, I requested my XXXX XXXX XXXX  account to be closed but the company refused. They kept my account open to keep assessing fees.
This is a travesty and this practice should not be allowed. I have been assessed hundreds of dollars in late fees, overdraft fees etc.
The account should have been closed in 2016.
amount XXXX
Product: Money transfer, virtual currency, or money service

I tried purchasing a XXXX on XXXX XXXX for XXXX dollars and he convinced me to send the money before he came out of his house by telling me he was robbed recently XXXX XXXX while doing a XXXX XXXX purchase. He told me he was going to sell it to me relatively cheap cause its the holiday season and he just wants money to get his kids gifts. After I sent the money he blocked me on both XXXX and my phone number, and it turned out the address he gave me was not his. I filed a police report and a dispute with Bank of America
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX. 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 an 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 or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX. {$420000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports and needs to delete immediately. 
XXXX-Date of inquiry XX/XX/2020
Product: Checking or savings account

On XX/XX/2024, I attempted to withdraw money from an ATM in XXXX, XXXX. I received a transaction cancelled message on screen. No money was dispensed nor was any paper record issued by the ATM of the attempted transaction. 

After noticing an unauthorized charge of my account for {$400.00}, on XX/XX/2024, I initiated a case with PayPal ( Case ID XXXX ). 

On XX/XX/2024, PayPal sent an email update saying it had contacted the seller XXXX XXXX XXXX for more information. On XX/XX/XXXX, PayPal issued a provisional credit to my account for {$380.00}. On XX/XX/2024, I sent PayPal a message saying that the disputed amount in my case is XXXX which includes the transaction fees the seller charged my account. 

On XX/XX/2024, PayPal denied my claim based on the merchants records and ATM audit tape. On XX/XX/2024 I sent PayPal a message via the app insisting my claim that no money was dispensed to me by this merchant at this ATM and asked for an appeal and copies of the audit tape and other evidence used to deny my claim. 

On XX/XX/XXXX, PayPal debited my account {$380.00} and closed my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting agencies XXXX, Equifax, and XXXX have illegally and inaccurately shared my personal information with credit companies, resulting in the denial of financial resources. After expressing disapproval, all three agencies have refused to remove inaccuracies, resulting in the filing of this complaint. 

According to the Fair Credit Reporting Act, all three reports are to supposed match perfectly but all three reports have ( or do not have ) items that are not present on one another. This is a violation of my rights and demand that inaccurate items be removed across all three reporting agencies be removed.
Product: Mortgage

Bank of America opened an unauthorized account without my knowledge or permission ( see attachment ) it's the Home Equity Line of Credit. Furthermore, Bank of America force placed 2 homeowners insurance policies through their wholly owned subsidiaries going back to 2006 and added the costs and premiums to my mortgage even though I had a homeowner 's insurance policy through XXXX XXXX and XXXX XXXX.
Product: Debt collection

Per FDCPA the collection company and experian was ask to provide explicit documentation proving the collection agency legal right to pursue this debt. I ask to furnish copy of the agreement authorizing the creditors assignment or sale of this debt..I told XXXX to remove this collection agency from my report
Product: Debt collection

XXXX XXXX [ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau [ Address ] [ City, State, Zip Code ] Subject : Violation of Consumer Rights by Collection Agency Dear Sir/Madam, I am writing to bring to your attention a serious issue regarding a collection placed on my consumer report by [ Collection Agency Name ]. Despite repeated attempts to obtain validation of the debt in accordance with 12 CFR 1006.34 ( b ) ( 5 ), the collection agency has failed to provide any such validation.

Furthermore, I have not been afforded the opportunity to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( D ). This lack of due process directly violates my consumer rights and places me at a significant disadvantage. 

It is evident that [ Collection Agency Name ] is engaging in deceptive and misleading practices by reporting this collection without providing the necessary disclosures required by law. Their actions are in direct violation of 12 CFR 1006.34 and 16 USC 1681-S, which clearly outline the obligations of collection agencies regarding consumer reporting. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action against [ Collection Agency Name ] for their blatant disregard of consumer rights. Additionally, I request assistance in rectifying this erroneous collection from my consumer report and preventing any further harm to my financial standing. 

Enclosed with this letter are copies of relevant documentation supporting my claims. 

Thank you for your attention to this matter. I trust that the CFPB will take swift action to address this violation and ensure that consumers are protected from such unlawful practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2019 my credit was dropped from both XXXX  and Transunion from XXXX to XXXX. The reason they gave was an outstanding balnce of {$400.00} with XXXX. That balnce was XXXX out on XX/XX/2019. It was a short term loan of less than 2 weeks. My score should not be taken a ten point drop because of this.
Product: Debt collection

I was selling an XXXX XXXX XXXX XXXX on the XXXX XXXX on XXXX about three weeks ago. I submitted the condition of the phone, the name of the phone and the asking price for the phone. One particular consumer submitted interest in the phone and stated that he wanted to purchase it. Upon further conversation through XXXX, we both agreed on the details for the purchase of the phone, which was {$700.00} USD and that once the consumer submitted his address to where the phone was to be shipped to, I would then take the phone to the XXXX XXXX XXXX XXXX, have it mailed off and then submit a photo copy of the receipt and tracking number to the Cash App Center to have my funds submitted to my account. I held up EVERY aspect of my side of the commitment to the selling and delivery of the phone and I have yet to this day, received any money for my phone. I received an email from Cash App stating that they have submitted money to my account and I HAVE NOT RECEIVED ANY FUNDS! Further more, Cash App then stated that the reason for the delay of my not receiving any money was due to the fact that the denomination of money was too low for me to receive any money. So then Cash App claimed to have gotten in touch with the buyer of the phone and to inform him of this problem and that the buyer would need to submit at least {$500.00} more USD in order for me to receive any money. I was then told that the buyer had done so and submitted the extra money requested and required for me to receive any money. Then I was told that I needed to refund the extra {$500.00} USD back to the buyer of the phone in order to receive the original {$700.00} USD. I have never received NOT ONE SINGLE PENNY OF ANY MONEY AT ALL! And now I have been threatened by the buyer and Cash App about this ordeal and told that I would be sued and sent to prison for this. I have also received a threat by email from what was supposed to be the FBI, stated that I need to relinquish the funds or be sent to prison. I truly believe that this is all a fraudulent attempt at obtaining a free phone from me and that the whole ordeal was fraudulent! I believe that the Cash-App statements are false and that the FBI emails are false. I don't know how to go about proving this and need help in this matter.
Product: Credit card

Barclay 's closed my wife and my credit card accounts after having a positive history of using the card, nearly never carrying a balance month to month, and having cards open for multiple years. 
At no time did we ever receive any negative feedback or notifications that Barclay had any issue with my 'history of account usage '. 
In fact, despite the 'history of account usage ' that Barclay refers to in the closing, Barclay increased the credit limit on my card and my wife 's card in the past year, encouraging what they must later have decided is a poor 'history of account usage '. They also upgraded our cards to XXXX XXXX elite during the same period of 'history of account usage ' that was present during closure. 

In fact, I started using my primary card, the Arrival, exactly in a fashion that was advertised. I started using this card originally for everyday spend as well as to buy XXXX XXXX Gift Cards through the Barclay RewardsBoost mall, which they advertised on their own website was a great way to earn extra rewards. 

It seems clear to me that Barclay is closing our accounts because it is not profitable to provide us with rewards under the current program that they advertise, even though on their website, even today, it still shows " Earn XXXX miles for every {$1.00} you spend on all your purchases '' and Redeem for travel statement credits starting at XXXX miles for {$25.00} toward a qualifying travel purchase of {$25.00} or more made within the last 120 days ''. 

With my last statement ( XXXX ) I had redeemed XXXX points ( {$140.00} ) but still had XXXX points adjusted at the closing of my account. 

If returning my account to good standing is not practicable, a payment for the miles which would have been worth the sum unredeemed as well as the annual fee for the services I could not receive but had already paid for seems reasonable : XXXX XXXX XXXX = {$380.00}. The 10 % bonus would have added {$38.00} when used for travel redemptions, which I always have available since I travel for business. This totals {$420.00}. 

My wife 's card had XXXX miles, which would have been worth {$19.00} XXXX XXXX = {$21.00}. 

I also paid a {$95.00} annual fee on this card, and on my wife 's card, totaling {$190.00} in fees which I am now not able to fully utilize given the cards were canceled in the middle of the membership year. 

This means my monetary damages from these XXXX closed cards are {$420.00} XXXX lost redemption, self ) + {$21.00} XXXX lost redemption, wife ) + {$190.00} ( annual fees ) = {$640.00}. 

I appreciate your quick response to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act the following companies have violated my rights 1. XXXX XXXX XXXX XXXX account # XXXX 2. XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX 4. XXXX 's account # XXXX XXXX. XXXXXX/XX/XXXX account # XXXX XXXX. XX/XX/XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX 8. XXXX XXXX account # XXXX 9.XX/XX/XXXXt # XXXX 10.XX/XX/XXXX account # XXXX 11. XXXX XXXX XXXX account # XXXX 12. XXXX XXXX account # XXXX 13. XX/XX/XXXX account # XXXX 14. XXXX XXXX account # XXXX 15. XXXX XXXXXX/XX/XXXX account # XXXX 16. XXXXXX/XX/XXXX account # XXXX 17.XX/XX/XXXX account # XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions The last 4 digits of my SSN is XXXX
Product: Checking or savings account

I've contacted Chase over the last year and have not received an adequate resolution. Last year I clicked on a Chase promotional offer when I opened my account. It was for a {$200.00} offer which I didn't receive when I opened my account. There was no place to put a code when I sighed up because I used the button to automatically apply the promotion. Below is a similar website I went to, in XX/XX/2019, to sign up and get the {$200.00} offer. I was offered two options like the website below and clicked on the link that had written below " Coupon code applied when you click " Open an account '' ''. There was no place to put the code and the coupon code should have been applied. I did everything that was required to get the promotional {$200.00} offer. I signed up for direct deposit and did it within the appropriate time frame. I contacted Chase numerous time over the last year ( by phone and email ). They refuse to make good on their offer. When I called, I was told this has happened to other people and Chase does make good on the promotional offers. To date, they haven't. I would appreciate your assistance in this matter so that Chase Bank make good on the {$200.00} promotional offer. That is the proper way to do business. https : //account.chase.com/consumer/banking/FM97672? sitelin k=headline & jp_cmp=rb/Retail_Brand_BMM_Chk-Bnk_SEM_IFP_Desk Tab_Standard_NA/sea/p25218732600/chase+checking & opti_ca=67 4189475 & opti_ag=33556516039 & opti_ad=469864609346 & opti_key= aud-461562237081 : kwd-27929122426 & gclid=EAIaIQobChMI2ouO8JG P7QIVivOzCh1c8Q3qEAAYASAAEgJfwfD_BwE & gclsrc=aw.ds
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below I didn't not authorize if you could please research.15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish accounts without my written instructions XXXX 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 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 The inquiry was not authorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax Credit Bureaus the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX  XXXX Balance : {$940.00} XXXX XXXX  XXXX Balance : {$720.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$410.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$340.00} XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$92.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$85.00}
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 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 XXXXXX/XX/XXXX has violated my rights. 


I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$670.00} XXXX  XXXX XXXX Balance : {$2400.00}
Product: Credit reporting or other personal consumer reports

Lexington law firm just recently took money out my account in XXXX XXXX XXXX without permission. Have used them and I see they owe money to people and they owe me