23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened a credit Card account with Continental finance a few months back to try and restore my credit rating. Since then they have been charging me {$4.00} for Credit Protection that I didnt want and clearly checked that box during the application process, made calls to remove and they still will not. This last Month I got a phone call from them wondering where my payment was. They asked me if I mailed it to there new address or old address. I told them i mailed it to the address that was on the payment stub ( i have no idea where this is ). She said it was okay but they went ahead and charged me a {$25.00} late fee. Why they would do this to there customers ( in researching this I am not the only on they have done this to ). They have so far refused to take this off my balance even though they sent out there payment invoices with there old address on the stubs. I just felt like you should know they are ripping off customers and do not help you when you call them. I just want to pay this debt off and close this account but they are making it impossible by tacking on late fees and credit protection charges againt there customers who are tring very hard to pay the debt on time and do the right thing. This should and must be Illegal. 
Thank you for your time and consideration. 
XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

FBCS calls me repeatedly at XXXX, despite my numerous requests that they stop. Today, they did it once again by calling me at XXXX and refused to address the issue once I called. This has had a major impact on my quality of life and is taking a toll on my health by waking me at an unreasonable hour.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has proven their incompetence several times. Now again they did n't correct an error on a XXXX account showing closed by credit grantor, which I contested it that it was closed by consumer, although they acknowledged proof I have sent they still not correcting it. They forcing me to start litigation! this company is not complying with FCRA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are failing to review and/or research any of my dispute letters that have been sent to XXXX XXXX  partial account number XXXX ; XXXX partial account number XXXX and XXXX/XXXX  partial account number XXXX. XXXX  is failing to review and/or research any of my dispute letters that have been sent out to XXXX XXXX XXXX partial account number XXXX. XXXX  is failing to review and/or research any of my dispute letters that have been sent to XXXX XXXX partial account number XXXX and XXXX XXXX partial account number XXXX. Transunion is failing to review and/or research any of my dispute letters that have been sent to XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) My current credit report stills shows these accounts as Accounts not Dispute. I have not received any communication from the bureaus regarding the status of my dispute letters. It is very disappointing that the bureaus are not taking the time to actually research the issues outlined in my dispute letters and as a result of this lack of due diligence, negative items from the bureaus still continue to appear on my credit report. Pursuant to the F.C.R.A. 
You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 
I respectfully request that the ( 3 ) bureaus review and update my credit report to display correct information. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and saw a few fraudulent accounts on my report. The acounts are as followed : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$1200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX / {$3000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$3200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5700.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$4000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$1100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX/XXXX  XXXX / {$4000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$5200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$3200.00} OPEND XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$4100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6400.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$3200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX/XXXX XXXX / {$3000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX/XXXX  XXXX / {$2800.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$2900.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX/XXXX XXXX / {$1100.00} OPENED XX/XX/XXXX ACCEPTANCE RENTALS XXXX {$1900.00} OPENED XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I see that TransUnion, XXXX, and XXXX are reporting XXXX XXXX  somewhat negatively on my consumer report without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my reports even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit reports. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. TransUnion, XXXX, and XXXX are all consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " 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 ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. TransUnion, Equifax, and Experian are not maintaining reasonable procedures.
Product: Checking or savings account

PayPal has limited my account based on the fact that, I had one instance when Ive been using this account for a year plus of fraud. The fraud was on my PayPal debit card, because I filed a claim they permanently limited my account and are refusing to allow me access to my XXXX XXXX  balance for 180 days, yet the email they sent me says I am able to withdrawal any available balance, but my account will not let me. It is a violation of reg e for PayPal to not take my claim seriously and instead of investigate the unauthorized charges on my account they proceeded to just instantly ban me locking my available balance. I expect the limit will be reversed and my funds released to me ASAP. 

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

I want to contact someone at your company to let you know that I mailed a letter to Experian, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX about the validity of this Bankruptcy that you have listed on my Credit Reports. I mailed this letter on XX/XX/2021 and not one of the 5 companies have sent any corresponding letters. I recently challenged the same account on the other Credit Bureaus and they came back stating that they have verified this account. I have went to the courthouse and they have also stated that THEY DO NOT VERIFY THIS INFORMATION TO ANY 3RD PARTY CREDIT BUREAUS OR AGENICIES. Please send me whatever documents of information you have personally used to verify this alleged Bankruptcy, immediately.
Product: Debt collection

we used to live in the apartment, the contract supposed to end by XX/XX/2017, we move out on XX/XX/XXXX and we gave them the notice the same day. The managment told us that we have to pay 1 month rent because we didn't give them 20 days notice, and they refuse to do the move inspection because we didn't give them the 20 days notice. later they send us a letter stating that we owe the money XXXX . 

later they sent that to the collection agency and they explain that the amount is for 1 month rent and the damage that has been done to the apartment. I told them we didn't go over with them they refuse to do the inspection with us where come the amount they charge us. we suppose to do the move out inspection but it didn't happen. then the collection agency start charging and send us the summon that they are suing us. 
I call them today and try to make a payment on XXXX $ they refuse they said I have to pay them XXXX $ because they already file a suit but I checked with the local court there is no lawsuit in my name. We dropped the apartment key on XX/XX/2017, we gave them a notice on XX/XX/2017 2017
Product: Checking or savings account

It looks like I have had both Checking account as well as line of credit through Santander. Since I had forgotten about them both my Checking account had {$0.00} balance for a long time but instead of simply closing this account for XXXX balance on XX/XX/2023 Santander decided to withdraw {$50.00} from line of credit to go towards Overdraft protection fee. 

So, My complaint is two fold. First is that Santander should have just closed account with XXXX balance rather than all of sudden withdrawing {$50.00} from line of credit. Second is whether this bank regularly does these type of things to their other customers as well and customers might not even know about it.
Product: Credit card or prepaid card

Few weeks ago found out that on my capital one account nearly XXXX dollars in unauthorized activity had appeared on my card. I yet contacted cap one to report issue along my missing card .But yet after 2 plus weeks I still have XXXX credit no credit to use most banks give n provisional credit I reported this right as caught this yet bank does nothing to care about fraud cant use card n its XXXX
Product: Credit card or prepaid card

Please see uploaded attachment. 

Timeline Summary : XX/XX/21 : Purchased product ( XXXX XXXX XXXX known as Proxies for hobby ) from XXXX XXXX XXXX for {$350.00} XX/XX/21 - XX/XX/21 : Attempting to wait for product to work, being patient and retrying each day, logging into XXXX XXXX portal/dashboard, product never being available or working. 
XX/XX/21 : Emailed XXXX  Support requesting refund. XXXX support replied back there are no refunds ( how convenient - for their product that never worked from beginning ). 
XXXX : Investigated online for resolution/similar cases, have found many others on social media who voiced concerns/distrust with merchant XXXX XXXX XXXX XXXX - many in the same situation , purchased product but never received. 
XX/XX/21 : Opened dispute case ( Case NumbeXXXX : XXXX ) with credit card company Capital One to dispute charge and force chargeback from fraudulent/scam merchant XXXX XXXX. 
XX/XX/21 : Capital One closed case, and ruled in favor of Merchant ( not sure how, considering product was never received and merchant never proved product was working? ). 
XX/XX/21 - Now : Endless emails, calls, providing proof and documentation, screenshots with no assistance provided and hours of time going back and forth with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXX  account # XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I requested of MoneyGram that they transfer funds from my XXXX XXXX checking account to an individual in XXXX XXXX California. Money Gram logged me into their online portal where I entered the information requested to initiate the funds transfer. I was given a MoneyGram transaction number online acknowledging the funds transfer was in progress. I was then sent a code # for the person in XXXX XXXX to collect the {$500.00} cash transfer at a XXXX XXXX. When the code # was entered into the Money Gram machine the person in XXXX XXXX was notified that the funds would not be made available. The process was repeated multiple times. When I learned that the funds were not going to be available I called MoneyGram customer service. I was told that the transaction would not be processed and my {$540.00} would be return in 5 to 10 days. The explanation for not allowing the funds to be distributed was that MoneyGram decided not to give my money to the person in XXXX XXXX. Curiously, that gentleman is married to a woman that I sent {$350.00} to using MoneyGram two week before. I am embarrassed, my friends are embarrassed and the promises made by MoneyGram for service were not kept. AUTH # : XXXX PICK UP REF # : XXXX
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 Regulations 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

Bank of America and XXXX XXXX XXXX XXXX and trading bonds in my grantor name without the grantor knowledge or authorization which is a violation under the Hobbs act, organized crime RICO act security fraud, identity theft, fraud, forgery amongst UCC violations.
Product: Checking or savings account

I have a account reporting and I never applied or gave this account permission XX/XX/ XXXX XXXX XXXX also have a auto same place reporting
Product: Credit reporting or other personal consumer reports

In XXXX a trip was purchased using XXXX which was subsequently cancelled due to COVID and mandatory quarantine. The original travel agency then credited back the amount of the trip but after reviewing my credit reports I noticed XXXX  then reported collections on XX/XX/XXXX through XX/XX/XXXX ( after I contacted them several times to explain what happened and how the trip was credited back ). Also they reported XXXX  for XXXX XXXX and there after reported collections for XXXX XXXX XXXX. 

After having no relief from the crediting company XXXX I filed several disputes with the credit bureau 's and it was not handled effectively, and it resulted in no change on my credit report. 

I am demanding this is deleted from my credit reports after inefficient investigations. They also refused a reinvestigation.
Product: Vehicle loan or lease

Please see the attached letter with a detail of the chronology events in this matter. 

I have removed all of my personal information, but left the details of this matter. 

This is against PNC Bank National Association. They have not applied the payments received on my auto loan as instructed, nor do they try to resolve the issue. I became aware of this issue on Wednesday, XX/XX/2021 and it remains an issue. 

Furthermore, I have spoke to several individuals with PNC and they all have a different excuse as to why this was not handled properly. 

I can send you the exhibits which are proof of how this loan has been handled. These will need to be confidential since they have names and account numbers on them.
Product: Mortgage

we tried to set up payments they will not accept them, the gentleman XXXX XXXX  told us to ask family for the money. I can not afford to pay the whole payment of XXXX they have added XXXX in fees in the last year. I stopped making payments in XX/XX/year> when statebridge took over and they would not accept payments.they even sent someone to my house at night time trying to get money from me.I had to retire early due to medical reasons and I only make so much a month from XXXX to live off of.
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 items : XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$7900.00}, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1800.00}, XXXX XXXX Balance : {$710.00}
Product: Credit reporting 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 USC 1681. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account XXXX : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My condo was paid off. I did a cash out refinance in the amount of {$220000.00} through Loan Depot online. The loan funded yesterdayXX/XX/2019. {$38000.00} of the loan was to be paid directly to my bank to pay off an auto loan the person I originally spoke lead me to believe that it would be wired directly to them. The remaining amount was to be wired to my bank account. The loan funded yesterday but the money isn't in my bank, nor has the {$38000.00} been paid on my auto loan. The loan process person told me that the wire transfer could take up to 72 hours and that they are mailing me a check for the auto loan that I then have to bring to the bank to pay off my car. I was told that I will be paying interest on all of that money as of yesterday XXXX/XXXX even though it could be days before the wire transfer happens and possibly a lot longer to receive the check for the auto loan since that's being mailed. How is it legal for me to be charged interest on money I have not received. When a loan funds and a person starts paying on the money they should have the money they are now paying for. They also told me they'd be paying my bank directly for the auto loan payoff, otherwise I might as well paid them once the wire transfer was done. So I'm also paying interest on the auto loan loan that should have been paid off yesterday, now I have to wait for a check to come in the mail. This is XXXX. I don't know if the 72 hours is working days or not, but my guess is that it probably is. if so that would mean I'll be paying interest over the weekend for money I haven't received. It's a wire transfer why it wasn't done when the loan funded is beyond me. They had all the info way in advance of the loan funding. They are basically making money on money they still have, nice scam.
Product: Debt collection

The credit card had additional cost for insurance incase of illness or accidents. I was XXXX and submitted every statement needed to make sure my account was paid. I now have lost all documents because I lost my house to a fire.
Product: Checking or savings account

I lost my wallet back in XXXX which I lost all my cards. I lost XXXX on this card. I put in a dispute and this bank is not trying to give me my money back. I have been one the phone with them multiple times.