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

In XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX of XX/XX/XXXXI was laid off from my job, I called Santander to notify them that I could no longer make my car payments. The representative asked if I wanted the car repossessed. I did not know how to answer that question because I thought to myself that a repossession would be one of the worst things that could ever happen to me financially. I asked if there was a hardship program or if there was anyway I could skip one to two payments until I got back on my feet and was able to secure employment. The representative on the other line was heartless and said no. I then asked to speak to the manager and the representative said no, I am the manager and refused to transfer the phone call to a higher level personnel. This incident led to Santander reporting 3 late payments on my credit file which resulted in my credit score dropping below 450. I have been denied a house, apartment and education loans because of the negative payment history reported by Santander USA. Now in recent times on XX/XX/XXXXI gave XXXX  to my daughter. Unfortunately I experienced XXXX after the XXXX  which led to deteriorating in my health. This decline in my health resulted in me not being able to make my car payment on time. So as of today I have 4 late payments that Santander USA has reported negatively to the 3 credit bureaus. I have disputed the payment history several times and have called them to resolve this issue on many occasions and they have refused to cooperate with me. I feel like the negative reporting has resulted in my credit score being so low which has effected my life in a bad way. All I am asking for at this point is a second chance.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : My name is XXXX XXXX XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, NY XXXX. My cell phone number is XXXX. 

I am writing to file a complaint against Experian credit bureau for maintaining inaccurate information in my credit file that I have disputed multiple times. There are incorrect hard inquiries from [ names of creditors ] dated [ dates ] that I did not authorize. 

This inaccurate information is damaging my credit score and violating Section 15 of the Fair Debt Collection Practices Act and Fair Credit Reporting Act regarding false representations of information.

I have disputed these unauthorized hard inquiries with Experian in writing on [ dates ] but the information remains unchanged. Experian has failed to reasonably investigate per the FCRA and has allowed misleading information to stay in my file. 

I request the CFPB immediately open an investigation into Experian for potential legal violations and require the inaccurate information be corrected to prevent further harm. Please contact me at the number above to discuss this complaint and appropriate resolutions. Thank you. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

I have been trying to get a loan modification with my mortgage company with no success. The only options they gave me is either sale the home or I will be going into foreclosure,
Product: Checking or savings account

on XX/XX/19 i initiated a transfer of {$500.00} from my checking account at wells fargo bank to " XXXX '' an investment firm.The last 4 digits of my account # at wells fargo is:XXXX and the last 4 digits of my social security # are XXXX I canceled the {$500.00} transfer. Wells Fargo told me via telephone that they would stop payment on it, and make sure I got it back. This did not occur. I am missing {$500.00}. XXXX says they do not have it, that they sent it back to wells fargo. Wells fargo says that they never took {$500.00} out of my account, despite that they indeed, did. So, they refuse to give me back my {$500.00}, because this " never happened. '' I was told that this case had been expedited and that a " case '' was opened, however, when I call to see what is holding up getting my money back, they have no record of any of this. 
I swear at risk of perjury that I had {$500.00} taken out of my account, and that it was not returned to me. I just want my money back into my account immediately. 
The bank erased the record of {$500.00} coming out of my account on XX/XX/2019, so that I have no documentation to show.
Product: Credit card or prepaid card

In  XX/XX/XXXX  I took out a credit card at   XXXX   XXXX   with tidewater finance company, not long after I lost my job and had   XXXX   XXXX    making the payments, I was in contact with someone regarding that and let her know I would take care of it. On  XX/XX/XXXX  I called to pay off the entire balance I owed. I was told ( by an automated machine I believe ) that total amount I owed was  XXXX  so that 's what I paid. I immidiatley received a bill for 40 something dollars, I contacted the phone number with no answer after waiting FOREVER ( over 30 min ) then decided to email the lady I had been in contact with, she simply responded with my new balance ( now in the 90 's ) and said to contact them when ready to pay it off. I told her I did n't understand where he charges came from and how I owed more money she said this is what i owed and if I know a name, time and date of someone I spoke with she would look into that. Next I started receiving emails saying this was a supervisor trying to resolve my account, I would let them know what happened and no response. Eventually I started forwarding them emails I had already sent in reply.
ALSO every single day and sometimes multiple times they call me ... but never a live person just a call us back recording, and if I called back I NEVER received a human on the phone to be able to dispute these charges which now are up to   XXXX   and I have n't even used it!!!
I 'd like to be able to speak with someone and dispute these charges and get it wiped from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, CITI BANK has violated my rights. ( Address : XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone Number : ( XXXX ) XXXX ) 15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B states a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as a late payment for any purpose.
Product: Checking or savings account

XX/XX/XXXX XXXX a new device was added to my account and whoever it was took XXXX from my account and i reach put to customer servics sending multiples emails and complanit about my concern.
Product: Money transfer, virtual currency, or money service

Hello, I want to file a complaint against PayPal XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I have tried to reason with the company since XX/XX/2023 to XX/XX/2023 with no resolution. 

The Details : The company decided to permanently limit my account with no reason or explanation I use the account mainly to pay vendors ( i.e. XXXX, XXXX, XXXXXXXX XXXX, etc. ) I have never used their services to operate a business I have sent and received money for an occasion sale of a used/personal item or service on rare occasions as I have the last 19 years The company started to offer XXXX services as of XXXX, I invested some money to XXXX using their services. 

The Issue : Theres about {$1700.00} worth of cryptocurrency invested in my PayPal account that is locked up. I am unable to sell in an event that crypto starts to devalue ( due to volatility, especially in these times ). Moreover, based on research on various forums such as reddit, there is a likelihood that PayPal wont be returning my money after their excessive and abusive 180 day holding period on funds. Please, I would appreciate some assistance in this matter. I would like my funds to be returned to me as soon as possible. Their reasoning to hold funds is for chargebacks or issues with my buyers. This is entirely false because I do not operate a business or sell as mentioned above. The company has refused to acknowledge this. 

Examples of others going through the same : https : XXXX https : XXXX https : XXXX Screenshot of my PayPal Account XXXX : https : XXXX Youll see I merely use their services to pay vendors. I do not sell. 

I would like some assistance in this matter. It is very frustrating to realize my money is potentially lost, and I am still in disbelief this is coming from a legitimate company. Had I known PayPal to be unfair, unprofessional, and inconsiderate, I would have not invested crypto with them to begin with.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$9700.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 XXXX XXXX XXXX XXXX closed my account because I wouldn't physically go to the Post Office and mail my ID. So now I come to current time they run my credit I agreed to let them open one of my credit cards was it had to do with them so I agree to let them reopen one that they had closed the one I let them reopen was the one with the lower credit limit, so they send me my credit card I'm going my son pay my bill on time everything 's going fine I checked my credit report and they're reporting the wrong card the reporting the car that they still closed in every open and is the one with the higher credit limit they're reporting it I don't have that account when I log into my online account the credit card is on there is a credit card that I have but they have been reporting the wrong account for like eight months and they won't fix it. It is exactly like the XXXX lawsuit going on. It's been eight months I've I complain to them a complaint to the credit bureau I talk to a lawyer they will not remove the wrong account earlier this year that account was closed due to no fault of mine and somehow they are mistakenly reporting the wrong account on my credit reports all three of them and they have been doing for 4 months and they will not fix it so now I'm a credit report it says something like for charge-offs is reporting that I'm not paying every month when that is not even the card that I have and they refuse to fix it. I filed multiple complaints with you guys and that's the only reason why they fix the first mistake and let me open the account back
Product: Credit reporting, credit repair services, or other personal consumer reports

company not reporting vehicle loan ( XXXX ) to credit bureaus. I contacted both, Ford motor company and crossroad equipment & leasing to ask why they were not reporting my positive accounts. Both companies expressed they would update, that has yet to happen. 

my initial communication regarding the matter was XX/XX/2021 till present. 
unresolved.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX 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

Bank Of America is trying to charge interest on PURCHARES made while there is a balance from a 0 % promo on my account. EVEN if those purchases are paid in FULL at the end of the statement period. I paid a Transfer fee of 3 % when I got the Promo offer. 
Is this practice even legal? 

They charged me {$2.00} for having the {$530.00} on the account from XXXX XXXX to XXXX XXXX, 2016.. Since it was not a full Month, the 11.9 % interest was calculated on {$260.00} of the {$530.00} for a total of {$2.00}.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name XXXX XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a Victim of the XXXX Data Breach. I want all inaccuracies removed from my credit reports. As you can see I have already made a complaint and provided documents to support my claim. This has been a hindrance to my family dramatically. I ask that these actions take place immediately. 

Thank you XXXX XXXX
Product: Checking or savings account

A business account was opened under my name using just my social security number and wrong drivers license number through Chase Bank. Chase bank did not verify any documents before opening the account. Nor did they notify me that an account was opened. 
We were made aware of the account because a woman called us with a story to tell. She had written a check to a company for services provided and mailed the check to said company. Somebody stole the check from the mail, changed to payee from the company she was trying to pay and put our companys name on the check ( in which they had just opened up a bank account for at Chase ) and then did a mobile deposit of the check. The company that she was supposed to pay called her requesting payment, she looked the check up to see if it had cleared her account and it had, so she requested an image of the check and that is when she noticed the business name on the check had been changed. The image on the back of the check said our business name for mobile deposit at Chase Bank only.

I then called Chase Bank to determine if an account had been created in our business name, using our EIN number and they verified that yes there was. Still have no clue how they got my social. I believe they obtained our EIN from our annual report that is posted on the states website. At this point I am not convinced Chase Bank did not just add MY social to the account once they had the EIN.

We have spent countless hours on the phone with Chase Bank, with the same reply of oh Ill transfer you to someone who can help. XXXX transfers per phone call.
Product: Debt collection

I hope you are doing well as I write this. I'm writing to discuss a problem with my credit report, particularly the late payments that are related to my account. I recognize how crucial it is to keep a current and accurate credit history. I'm writing to ask that these late payments be updated or removed off my credit report. 

CAPITAL ONE BANK USA XXXX I am NOT late on XX/XX/2023. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or CAPITAL ONE BANK USA customer service representative. 

To address the issue and guarantee future payments on schedule, I have taken aggressive steps. I recognize the value of being financially responsible and the significance of having good credit. Therefore, I humbly ask that the late fees linked to my account be either eliminated or modified to appropriately reflect the present situation. 

Thank you for your time and attention to this request. I appreciate your efforts in helping me maintain the accuracy of my account information.
Product: Credit card or prepaid card

XXXX for Indiana has no live person to talk to, even after the web site says it has 24/7 service. I have spent over two hours trying to call them, using the number on the card and by using the internet. I have also call my child support division and they tell me they have no way of helping with this issue. I need to report fraud on my XXXX and there is no way to talk to anyone.
Product: Credit card or prepaid card

I am writing to dispute a charge of {$100.00} to my Paypal account on XX/XX/2023 I never authorized the transaction. Paypal arbitrarily changed my reason for filing the case to previously cancelled this recurring payment after communicating with the company that I believe defrauded me. Were dealing with two multi-nationals : XXXX of XXXX XXXX ; and XXXX XXXX, as the case may be, of the XXXX. Ive had no problems with XXXX  for a number of years, but sometime during the pandemic they brought in a XXXX firm, XXXX to handle their billing and receivables. Thats when my trouble started. They billed on the day after my subscription ended, for one year instead of two, and for more than double the price. I believe that the blame rests on both XXXX  and XXXXXXXX  ; theyre in cahoots as they say. 
I tried going back to XXXX to work things out, but they ultimately rescinded my work-out and cut off my service. Thats another thing : It now states on the website that no refunds are given for subscription cancellation even though they advertise a 30 day refund if not satisfied ( but thats for XXXX only, not the 3rd party, XXXX ). I did state that I wanted a refund ( within the 30 day period ) in lieu of a bank chargeback but they wouldnt go for it. Furthermore, is XXXX a subcontractor doing billing/AR for XXXX? Then they have stolen my credit card number because I would have never given the number to them : thats the fraud. Shouldnt the XXXX agreement be on file with Paypal since theyre handling customers credit card transactions? Theyre changing the website rules continually to suit their narrative. The point is I never authorized XXXX to create the charge like I do with XXXX or another internet vendor. 
Paypal recognizes my computers but I always have to flash the Paypal site for acknowledgement and validation. XXXX  must have gotten my card number somehow is all I can think of. Normally theres a button for Paypalthats the beauty of Paypal that you dont have to input your card numbernow I think that its a false sense of security. It seems that the Paypal billing inquiries are really ineffectual : the customer is more of a target for unscrupulous vendors as the rulings go in their favor. The Paypal adjudicators ( if you want to call them that ) just accept subscription rules of a vendor with no credit card number or a falsely obtained one. The vendor should have to create an invoice for the consumer. Its been suggested on the internet that theres someone on the inside at Paypal. 
I think thats the problem here : they should have the customers account number validated for every transaction, subscription or not : if scammers like XXXX had to invoice the consumers for every transaction that would solve the problem-they could state on the invoice -- card on file Paypal : further, if theyre changing from vendor XXXX to vendor XXXX shouldnt I have to authorize it? I can tell you with the reviews Ive seen on XXXX, no way would I choose XXXX again. It appears that there are some loopholes in consumer protection on the part of Paypal that one could drive a truck through.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my TransUnion credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer agency prepares a consumer report it shall follow a reasonable procedure 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 1681i5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 supposed 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: Money transfer, virtual currency, or money service

My phone was stolen while out of the country. The person who stole my phone was able to get inside of it and start making cash app transactions while still outside the country. The person attempted to make over 25 cash app transactions within a four hour Period. 
I immediately contact cash app however, I was told to contact my financial institution instead. The person continuously made more Unauthorized transactions and cash app could not stop it. 
When I started an investigation, Cash App stated that these transactions were authorized. Even after I explained, the transactions were made outside the continent of the United States and the XXXX. 
Cash app refused to accept these transactions or authorized even after I showed them the IP address for these transactions were outside the country
Product: Money transfer, virtual currency, or money service

Bank account was fraudulently accessed ( XXXX ) by agent claiming to represent XXXX XXXX Department ; {$4000.00} was electronically transferred to an unknown recipient. US Bank has refused to repay this amount though the EFT Act specifically requires this : If a third party fraudulently induces a consumer into sharing account access information that is used to initiate an electronic fund transfer from the consumers account, does the transfer meet Regulation Es definition of unauthorized electronic fund transfer? 
Yes. 

If a third party fraudulently induces a consumer to share account access information, are subsequent transfers initiated with the fraudulently obtained account information excluded from Regulation Es definition of unauthorized electronic fund transfer because they are initiated [ b ] y a person who was furnished the access device to the consumer 's account by the consumer? 
No. 

Can a financial institution consider a consumers negligence when determining liability for unauthorized electronic fund transfers under Regulation E? 
No. 

Can a financial institution require a consumer to file a police report or other documentation as a condition of initiating an error resolution investigation? 
No.