23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

some guy called me and said are you looking for loan he was from payday loan. since my credit was no good I had to show I could put {$150.00} on a prepaid moneycard from Walmart. this guy name XXXX XXXX said I wo n't take out and you can use your card in about XXXX min. I went to activate it and they put the card in there name and I ca n't use it I have the card from XXXX here. the # XXXX XXXX XXXX XXXX. please stop that card before mailed to that person I can get my money back.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a tender of payment negotiable instrument was made in the amount of {$48000.00} this tender of payment pursuant to UCC3-603B included an affidavit of demand for debt validation proof of this will be attached below. XXXX XXXX XXXX XXXX has failed to respond to the affidavit on a point by point basis by way of affidavit and sworn under the penalty and pro to validate these claims against XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX  in the amount of {$180.00} is appearing on my credit report from XXXX XXXX. I have no recollection of such debts and have disputed severals and no proof have been given to indicate that these two charges belong to me
Product: Checking or savings account

Multiple fraud identidety thefts and unautherized use of funds and id card as well as cell phone companies ext
Product: Bank account or service

My account was charged with several fraud charges out of state, I realized this when i tried to use my debit card. I filed a claim with the bank, I was given wrong information about how my automatic payments would be paid, I was told I would receive a form by mail, 3 times I was told that my claim was misfiled, so I went into the branch and explained to the manager and 2 days later she called me in to sign a document. This started on the XXXX and my money is just now being released.
Product: Debt collection

I suffered from a very horrible up hill battle of identity theft. Everything from home utilities to credit cards. JEFFERSON CAPITAL SYSTEM continuously places a fraudulent debt on my credit report when they company was notified of this being fraudulent. I have filed a ftc and police report 3 to 5 years ago, and this did not slow them down. It's almost like this debt company is ran in automation without any human dignity or interaction. They re opened the debt XX/XX/2021. It was previously removed from a different debt collector. Now Jefferson capital starts this over.
Product: Checking or savings account

Money taken from Chase Bank thru a wire I did not do. On XXXX for XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally complain about Experian 's failure to properly reinvestigate inaccurately reported late payments on my credit report associated with my XXXX XXXX account, number XXXX. These errors are negatively impacting my XXXX XXXX. 

In accordance with the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 2 ) ( 4 ) ( 0 ) ), Experian is required to conduct a thorough reinvestigation when a consumer disputes the accuracy of the information in their credit report. Despite my disputes, the following payment records are incorrectly reported on my 2024 credit report : XXXX : 30 days late XXXX : 30 days late XXXX : 60 days late These inaccuracies must be corrected, and I request their immediate removal from my credit report. 

I formally request that Experian provide me with a copy of the reinvestigation report, including detailed documentation and evidence that justifies the conclusion of the investigation. It is crucial for me to understand how the reinvestigation was conducted and to verify that the procedures followed were appropriate and that the final decision is based on concrete and verifiable evidence.
Product: Checking or savings account

I called three PNC banks and was told that my checkng account never existec. I tolld the managers. I could send a check and even a bank statement. They told me it woluld not help. i was also told there was not a procedure for this problem. I told the PNC managers I wanted the documents showing the opening of the account, and all of the statements I told the mangers I would even settle for the opening account balance document and the last. How can they say an account does not exist so the customer has toe lose the money ( one manager told me this ) There was no consideration for me. They were polite but did not help me at all.
Product: Debt collection

I recently found an account on my XXXX  credit report by a company named SYNCB/WALMART. I'm not sure why this account is on my credit profile. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I will include and attach my full explanation document to this report.
Product: Consumer Loan

I applied for a payday loan got approved, was unable to pay now im getting threatened that, i will get criminal charges filed againts me, that they will, have to granish wages earned and that i will go to jail. I was willing to make arrangements, but unable to meet what they request.
Product: Money transfer, virtual currency, or money service

Apple Pay restricted my account without any reason, contacted them to verify my identity and even after verifying my identity they told me they closed it permanently and couldnt tell me why
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently came back from an XXXX  travel and as I verified my credit report I realized that multiple attempts were made to open credit card accounts under my name hard inquiries were pulled I have spoken to the credit card companies in question I have also frozen my XXXX XXXX credit bureau however no changes have been made.
Product: Credit card or prepaid card

Fail to notify me with the proper documentation on why my account has been blocked denied access to my funds With Bank of America Prepaid never received a notification due to filter screening I have been denied my rights as a consumer to obtain my funds I never gave authorization for the bank to deny me from obtaining my money
Product: Mortgage

I am a Wells Fargo Home Mortgage customer who is way behind in my mortgage. I am a XXXX XXXX who was on XXXX XXXX and got off with active still behind. Last year I reached out to Wells Fargo and asked for a modification that was granted. My last payment of my 3 trial payment was in XXXX when I lost 2 staff members as a result of COVID concerns. I could not get to my back to make a deposit for that final payment. I called my Preservation Specialist several times and left messages to inform the bank of my situation and no one returned my call. My modification documents were signed also in XXXX but in XXXX I was notified it was denied because I missed the final payment. I called an pleaded for another chance because I needed to keep my home. I received notification when I logged into my account that it was approved and a new preservation specialist would contact me but immediately after that I was notified the loan was placed in forbearance which I never asked for. I have called several times but was told I have to wait until my forbearance period expire as my request was denied and the loan will be moved to foreclosure. I have had to pass up on military missions because I can not leave my children at home with possible foreclosure hanging over our head. I can pay my mortgage as I am on track with my finances. I need some help as I can not lose my safety net for my children as I also have a XXXX child. I need so one to mediate on my behalf with my modification request to Wells Fargo Home Mortgage. I am employed with no change in my employment status now or in the future. I am still getting emails from Wells Fargo in regards to a decision on my mortgage but I am fearful the intent is to foreclose on my home
Product: Student loan

I was on the verge of defaulting on a student loan through XXXX XXXX when I was finally able to make a reasonable payment plan. My loan was transfered to Navient which is apparently a sister of XXXX XXXX. The verbal terms of the agreement were XXXX $ a month with a .01 % interest rate as the original interest rate on the loan was 8.5 % and 10 %. I have been paying down the loan for 2 years as of XXXX XXXX and the loan balance has not decreased. I contacted them in XXXX XXXX to ask why my balance had not decreased at all and they informed me that it was a computer glitch that did n't make all of the loans .01 % it only applied that to the smallest loan. So the rest of m loans were still collecting 8.5-10 % interest rate on XXXX $ of the the balance. I have called and spoke to multiple people and they continue to say " they are working on it '' I had one Navient " Manager '' state that I needed a court order to access my billing and payment history.
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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 XXXX 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: Debt collection

i was involved in identity theft which was identity was used this information was placed on my credit report which is false i i request this information be removed immediately
Product: Money transfer, virtual currency, or money service

I purchased 2 tickets for a XXXX XXXX concert for the amount of {$380.00}. The transaction took place on XX/XX/2023. When I didn't receive an email confirmation or any information on my tickets, I became suspicious. I looked up reviews on the company, XXXX XXXX XXXX XXXX, and saw review after review saying it's a scam and that PayPal is in on it. I wasn't worried about a scam because I had used PayPal to purchase the tickets and believed them to be trustworthy. I opened a dispute with PayPal and was denied because they said I received the tickets. I did not. When XXXX XXXXXXXX XXXX XXXX finally responded to me, they denied me as well.
Product: Checking or savings account

My XXXX XXXX department accepted a direct deposit authorization form that had and electronic signature authorizing Citibank to began accepting my paychecks. I did not open a Citibank account and can not get any information on this account from the phone numbers they have
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove this account completely from my credit reports. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the law I hereby acknowledge that I am who I say I am in the compplaint and not a credit repair company or entity. 

It appears that Experian is currently reporting XXXX XXXX credit services as accurate. 

After reviewing my current credit report I've notice that their are no balance being reported on this account. A violation of FCRA rules section 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

When the government enacted the Cares Act with Covid I missed payments for federal student loans. I did receive notification of late payments, but believing that they were in error as the loans had all been put into a suspended state I ignored the letters. When I did follow up as to why I was still getting letters ( that I believed to be in error ) I was informed that the accounts could be brought up to date under disaster measures and then put into deferment. I accepted that resolution and then paid the accounts in full the following month. I am currently, working to refinance my home. My credit score has been devastated by this delinquency. A delinquency caused by a misunderstanding. The misunderstanding that occurred because XXXX did not well communicate that these loans did not qualify for protection during this unprecedented worldwide disaster. It is not uncommon to receive notifications in error from my student loan holders. There were wrong communications during XXXX XXXX and XXXX. Everything in the news and otherwise indicated that these loans were protected. I have contacted the XXXX XXXX and was offered a letter of good standing but not something that will remove the marks from my credit history.
Product: Bank account or service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ma XXXX XXXX XXXXXXXXXXXX To whom it may concern : Around XXXX, XXXX, I went to the branch in revere to opt-out my account to prevent incoming charges without my consent, unfortunately Santander bank, did not obey my request and they kept paying items without my consent. I previously sent a complain to you guys ( CFPB ) in reference to the violation and fraud that this bank is doing with the customers, but you did not take action of whatsoever with the bank. 

On XXXX XXXX 2016, I called again and I was assisted by a lady name XXXX and I asked her to please opt-out my account from incurring charges without having available fund to cover. She states it that my request will be in effect in the same day. To my surprise, again they did not comply with my request and they keep paying the bills without having available funds to cover them. These charges again were done intentionally just charge me over draft and sustained fees to profit themselves illegally. Within matters of 6 months, I have paid without my consent around {$930.00} just in feeds putting myself in a deficit in a monthly basics. 

These irregulating happens because you guys ( CFPB ) are not doing your job to protect customers from banks like Santander bank. They actually pick and choose what to do with the customers, they can pay charges without consent or they can stop paying charges without consent just to profit themselves. I requested long time ago to be opt-out from paying charges without having available funds, but my request was ignored and Federal Consumer Protection Bureau does not do anything to protect customers. 

Enough is enough and I want all my overdraft and sustained fees to be refunded to my account as soon as possible and I want Santander bank to complied with my request permanently. 

Please Consumer Federal Protection Bureau, act and protect your customers from banks that abuse the law under the table. 

FYI, I want you guys to investigate this bank not to send the complaint and received a response from them which will lead to nothing and they will keep doing the same. ( stealing money from customers ) Sincerely, XXXX XXXX, Your customer..
Product: Credit reporting, credit repair services, or other personal consumer reports

Never received a statement from original creditor and I believe that this is not accurate, I send them different letter and they never reply, it ' s affecting my credit score, I also contacted the XXXX credit bureau, XXXX and XXXX deleted only Experian keep reporting with what kind of proof and the account in good standing ( please see letter from wynfiled attached. ) Experian is not challenging them well.
Product: Debt collection

I submitted a request for Verfication of Debt as of this date I've yet to receive a reply. This collection agency uses two seperate agency under the same name but in different states. I sent two seperate certified letter with return receipt requesting validation of this debt. Either company has responded within required time to validate debt. Under the law stipulated the ( 30 ) day policy in which they had to remove this information from my credit profile. I recently was notified by credit bureaus that thy 're adding fees on a monthly basis.
Product: Money transfer, virtual currency, or money service

Good morning, in XX/XX/2021 I have opened an account in Coinbase to buy and sell cryptocurrencies, I have verified all the data that they asked me and everything without problem. I have started trading, buying and selling, and a few weeks ago they have put my account " under review '' without giving me an explanation of the problem or a possible solution, since then I can enter my account but I can not operate, buy, sell or transfer, assuming this A great prejudice for me due to the price variations of cryptocurrencies. I have contacted the company 's technical support on several occasions and they do not give me a solution, they tell me that the problem is solved and they have closed my complaint, but the problem continues and I have the money blocked. 

I have my account verified with level 2
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

In XXXX I attended XXXX XXXX XXXX I requested a school misconduct discharge application. After submitting my application for both personal loans I was denied. The letter states a variety of factors of factors are determining whether a private loan should be discharged.. I do not meet the requirements. My application was denied! They do not state ANY of the factors used to deny my application. This school lied stating a majority of my credits would be accepted when in fact they were NOT. The school also lied regarding my ability to get an Accounting job at a very high salary by obtaining my XXXX degree. I submitted what I have. I do not have emails from 15+ years ago. I submitted my notes I took from XXXX XXXXXXXX XXXX XXXXXXXX. I also submitted the credits they accepted from University XXXX XXXX. I received an approved Borrower Defense from Department of Education and they still denied the discharge. It is a financial hardship as I do NOT work.
Product: Credit card or prepaid card

This is regarding a purchase I made with XXXX in XX/XX/XXXX for living room furniture for my new home. The sofa was on sale for {$2600.00} and a console table was {$1300.00} this was paid using deferred interest 245 months. I was unable to pay all by XX/XX/XXXX and on checking my bill XXXX charged me {$3300.00} in interest. I called them and the customer service representative told me that because the bill was not paid in full by XX/XX/XXXX the sale price, I receive for items purchase was retracked and the full price was applied. I told her that does not make any sense. I asked to speak with a manager/supervisor, but she told me I will be told the same thing and hanged up on me. Since opening the account my payment was made on time and apparently all payments, I made prior to XX/XX/XXXX was never applied to my balance. This does not make any sense and the interest/ balance applied to my account is excessive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I ordered a new Tesla XXXX XXXX on the manufacturer 's website on XX/XX/XXXX. I was presented with a {$60000.00} 2.49 % loan offer from XXXX XXXX XXXX  on the same day, but did not sign any loan documents. Vehicle delivery was scheduled for XX/XX/XXXX. 

On XX/XX/XXXX I went to the XXXX dealership location ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) to pick up the car. Unfortunately the car was physically damaged and had several error notices showing up on the main screen. I spoke with a Tesla representative ( XXXX ) and he told me in his experience this was not normal. I told XXXX that I would reject delivery. XXXX told me that this would not be a problem and that Tesla would cancel the order, have a new car/VIN allocated for me to be delivered at a later time. 

Tesla does NOT allow future owners to inspect the interior of the car and/or the software/computer inside the car before signing the documentation, therefore I was forced to sign their paperwork prior to completing my inspection of the vehicle. I asked XXXX if this would be a problem after I rejected delivery, he said no. He promised me orally and subsequently via text that my deposit ( {$8700.00} ) would be refunded shortly, that the documents would be cancelled and that a new car will be ordered. 

On XX/XX/XXXX I received a notification from XXXX that a new lien was added to my credit report. This was the XXXX XXXX XXXX  loan for {$60000.00} that I never accepted because I rejected delivery of the vehicle. I reached out to XXXX immediately and asked him why my credit report was showing this loan. He told me that Tesla 's systems showed the loan contract as voided, that he followed up with Tesla 's financing team to confirm and that my deposit would be refunded within 30 days. I never heard back from XXXX. 

On XX/XX/XXXX a XXXX XXXX Bank employee reached out to me to let me know that that loan was showing as due in their systems and that I needed to start paying. I explained the situation to him and asked him to reach out to Tesla to confirm that the loan was voided/cancelled and that Tesla kept the car. I reached out to XXXX again and asked for some sort of resolution, but I never heard back from him. 

I filed a dispute with XXXX and today the dispute was " resolved '', but the loan remains on my credit report. I have tried getting Tesla 's help on this matter multiple times, but time and again they refuse to do anything to solve this issue.

I attach the communication I have had with Tesla for the past few months.