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

I, the consumer and natural person, was denied credit by XXXX XXXX XXXX 's finance department when i applied for a car loan. 
Adverse action against me, the consumer is against the law according to the equal credit opportunity act which is in 15 u.s.c 1691c and is pursuant to civil liability under 15 u.s.c 1692k. 
XXXX XXXX XXXX are subject to criminal liability for violating 15 u.s.c 1691 as i have proof that i was discriminated against by XXXX XXXX XXXX due to the response i received. 
XXXX XXXX XXXX is in violation of 15 u.s.c 1642, u.s.c 1681m and 12 CFR 1002 since I, the consumer, made an application in good faith, but credit was not issued. 
Due to my social security number, Credit card, was used and i received NO benefit. this is proof of fraudulent activity, unauthorized use of credit card, on behalf of XXXX XXXX XXXX. 
If XXXX XXXX XXXX fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, social security card, i will indeed make XXXX XXXX XXXX criminally and civilly liable for all actual damages pursuant to 15 u.s.c 1681n and 15 u.s.c 1681o. 
I also Expressed to not shotgun my credit report to other banks but they still went ahead and ran my credit report through a multitude of banks like XXXX  XXXX, XXXX - XXXX XXXXXXXX XXXX XXXX, SOUTHEAST TOYOTA FINANCE, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX. 
I also called XXXX and they told me that these inquiries were validated which they should have not since they were fraudulent and didn't want to remove them as i demanded since they don't belong there because i didn't benefit from any of those inquiries.
Product: Debt collection

a bank called XXXX began showing up on my credit report in XXXX as unpaid payments. I've never heard of them nor have any agreement with them. the loan they're trying to collect on is from XX/XX/2008!!! my credit score has dropped over XXXX points in just 3 months and I was on my way to have a XXXX credit score by XXXX. I'm trying to buy a home and not be XXXX homeless during a pandemic. 

I've filed several disputes with XXXX  but nothing came of it. I need these negative hits to my credit to stop XXXX.
Product: Student loan

I have been employed by an agency that counts towards the PSLF since before I even started my degree program. Currently Mohela says that many of my payments do not qualify for the program. I'm not sure how they can say this as my employment has been with local government for the entire time. When I reached out to Mohela the only response I get is that they are experiencing a high volume of inquiries and I will be notified when they get to my questions .... It's been over 9 months now and still no answers. When I call, I go through a phone tree then on hold for an eternity. I don't have time to sit on hold all day just to sit on hold and never be addressed. This company needs to be fired and stripped of their ability to handle student loans!
Product: Credit card

This is my third attempt at trying to retrieve my Synchrony XXXX reward points. Synchrony has failed over nearly a year at attempting to access and use my credit card reward points. I currently have XXXX reward points available to redeem. However, when I click shop now through Synchrony 's rewards portal, the reward points do not show up on XXXX. I have contacted XXXX multiple times and they have stated this is an issue with Synchrony as they manage the reward points system. The customer service at Synchrony is a joke. They close these cases and never call back stating the issue has been resolved. I am demanding Synchrony credit my account in the amount of XXXX reward points. What's worse? Everytime I call Synchrony they tell me its an issue with XXXX. When I call XXXX, they insist its Synchrony 's fault. I could care less at this point. This was a rewards system advertised and held responsible by Synchrony and they should uphold their system if it breaks or doesn't work and credit customers who can't access their points. Upon researching online pertaining to this issue, there are hundreds of posts from others stating they have experienced the same exact issue. FIX THE PROBLEM.
Product: Checking or savings account

Bank Blocked my account with No notice before hand. When I called I kept getting the run around. I finally got the number to contact them which wasn't customer service. When I called they were closed. Only Business Hours from XXXX to XXXX Eastern time. When I did call at XXXX XXXX  pacific time, they were still closed. So I called Citibank Customer service and I got another number to contact. When I finally got someone, they said they needed my work history information. When I asked why I did not receive a notice, she said I should have. I GOT A email send after they had blocked my account. I have my mortgage that should posted and probably isn't because they blocked all transactions. They said it would take 24 to 48 hours. It's been close to 48 hours and more. My account is still blocked after information was provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN DEALING WITH IDENTITY THEFT WELL OVER A YEAR, SOMETIME IN XXXX I WAS MADE AWARE OF 2 ACCOUNTS THAT WERE FRAUDULENTLY OPENED USING MY NAME 1 COMPANY IS XXXX XXXX OPENED ON XX/XX/XXXX {$200.00} 2ND IS XXXX  XXXX  XXXX OPENED IN XXXX {$4100.00}. WHEN I LEARNED OF THESE ACCOUNTS I UPDATED MY POLICE REPORT WITH XXXX COUNTY SHERIFF IN XXXX FL. I DID A REPORT ANNICIALLY DUE TO SOMEONE STOLE MY PURSE WITH ALL MY PERSONAL IDENTITY. AFTER INFORMING THE COMPANIES I HAD NEVER HAD AN ACCOUNT WITH THEIR COMPANY I ALSO UPDATED MY FTC REPORT AND I ALSO CALLED THE CREDIT BUREAS AND UPLOADED THE UPDATED FTC REPORT WITH ALL 3 CREDIT BUREAUS. WELL SOMETIME LATER I APPLIED FOR A MORTGAGE AND WAS INFORMED BY THE MORTGAGE COMPANY BOTH THESE ACCOUNTS WERE ON MY EQUIFAX CREDIT REPORT ( ONLY ON EQIFAX ) I FOUND IT HARD TO BELIEVE BECAUSE I HAVE A MYEQUIFAX ACCOUNT SO IM REGULARLY CHECKING MY CREDIT REPORTS, SO I CALLED EQUIFAX AND EXPLAINED THE SITUATION THE REPRESENTAIVE ASSURED ME THERE WAS NO COLLECTIONS ON MY CREDIT REPORT, SO AGAIN I APPLIED WITH A DIFFERENT MORTGAGE LENDER AND SAME THING WAS TOLD THERE WERE 2 COLLECTIONS ON MY ACCOUNT, SO AGAIN I CONTACT EQUIFAX AND AGAIN WAS TOLD NOTHING WAS ON CREDIT REPORTAND THE REP STATED SHE WOULD BE SENDING ME A CREDIT REPORT IN THE MAIL, I HAVE YET TO RECIEVE THAT REPORT! WELL ON XX/XX/XXXX I RECIEVED AN ALERT FROM XXXX XXXX INFORMING ME THAT MY EQUIFAX SCORE WENT DOWN OVER 60 POINTS SO I LOG ONTO MYEQUIFAX ACCOUNT AND MY CREDIT REPORT WAS ALL MISINFORMATION THOSE 2 COLLECTIONS WERE ON MY CREDIT REPORT AS WELL AS 22 INQUIRIES THAT ARE NOT MINES AND ALL MY POSITIVE TRADELINES WERE NO LONGER ON MY CREDIT REPORT! I CALLED EQUIFAX EACH TIME BEING TRANSFERRED FROM REP TO REP, I FINALLY SPEAK TO A REP AND HE SAYS HE CANT IDENTIFY ME OVER THE PHONE THAT I NEEDED TO SEND IN MY IDENTIFICATION AND SOCIAL. I EXPLAINED IM SURE YOU CANT SINCE EQUIFAX HAS REMOVED ALL MY INFORMATION AND TRADELINES AND PUT NEGATIVE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I HAVE CALLED MULTIPLE TIMES ONLY TO BE TOLD I NEED TO PROOVE THE ACCOUNTS ARE NOT MINE, I EXPLAINED I HAVE UPLOADED MY LEASE WHERE I WAS AND STILL AM RESIDING AT THE TIME ACCOUNTS WERE OPEN I ALSO UPLOADED ON EQUIFAX WEBSITE 3 MONTHS OF UTILITY BILLS PROOVING MY RESIDENCE AT THE TIME, I ALSO UPLOADED FTC REPORT AND ALSO POLICE REPORT AND MY LICENSE WHICH ALSO HAS MY ADDRESS ON IT. AND I ALSO UPLOADED MY SOCIAL SECURITY CARD. AND STILL NOTHING IS BEING DONE, TOLD ME I HAD TO WAIT 30 DAYS FOR DISPUTE RESOLUTION. ITS NOT FAIR THAT FRAUDULENT ONFORMATION CONTINUES TO SIT ON MY CREDIT REPORT WHEN I HAVE PROVEN THE ACCOUNTS DONT BELONG TO ME.
Product: Checking or savings account

Someone must have gotten a hold of my card and cloned it. then from the span of XXXX to mid to late XXXX were using this clone to make transactions. I was sick in bed at home with XXXX but as it persisted and XXXX became more known they approached it as that and I was housebound and barely functional. I then got better and came too and started to do my taxes and when I did I noticed that I was taken for close to XXXX dollars by someone ordering things, meals and such to a home I don't even reside in a town I don't live and a state I am not near especially while in bed. My claims are not being taken serious and I am getting terrible advice on how t proceed. I am dealing with chase and they don't care about me at all. 

I have to claims in well one was closed today despite e asking for the research evidence and them not providing it The claims are : # XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

YOUR COMPANY BROKE MULTIPLE LAWS UDNER THE FCRA, MY NAME IS XXXX XXXX AND IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THERE ARE UNAUTHORIZED CREDIT CARDS AND TWO AUTO LOANS ALONG WITH HARD INQUIRIES WHICH IS HINDERING ME FROM GETTING APPROVED FOR MY NEW HOME. PLEASE LET ME KNOW WHAT I CAN DO TO HAVE THIS RESOLVED AND REMOVED ASAP.
Product: Credit card or prepaid card

On Monday XX/XX/XXXX at XXXX XXXX ET I called American express to see about changing my current card to a different american express card that I had received an email offer on - the new card I was being offered was a XXXX card and my current card is just an Amex card without any other affiliation. I was told by the person from Amex that I spoke with that I could not swap the accounts over the phone - i needed to apply for the new card and if i was approved I could call Amex back and cancel my current card. Since I was charged an annual fee on my existing card of {$550.00} in XXXX of this year, I asked what would happen to that fee? I was told by the representative from Amex not to worry, that my fee would be prorated and I would receive a statement credit for the balance of the year that I did not use the card, based upon the day that I called them and cancelled my existing card. 
I applied for the XXXX card later that night on the 1st and was approved. I received the new card in the mail today and called Amex XXXXonight XXXX XX/XX/XXXX ) at XXXX XXXX ET to cancel my existing card. I was told by the representative tonight that my annual fee was lost and that I would not get any credit for the prorated portion of the year that the card was not active. I asked to speak with a supervisor and was told that I could not and that they would try to have someone call me back. 
This seems like a complete bait and switch.
Product: Mortgage

hello well my experince with my mortgage XXXX  c/o phh mortgage has been traumatize .i have ask XXXX  for refinance and take money out from my equity so we starded this proces on XXXX and sent and appraisal pretty much all the compamy police requeste and we did all they ask sent via email and fedex .well they have lied to me and to my loand person XXXX  .there responce has been always that they never receive nothing or got lost there excuse has been lost never receive we have try pretty much everything. am so stress out tired off them. its now XXXX XX/XX/21 and every time me or XXXX  agent calls them is ur case payoff is in review well my health is not well off all this procese with my phh mortgage i ask for help please tell me how to get them to relice my payoff so wellsfargo can finish this proces.
Product: Checking or savings account

From Friday the XX/XX/XXXX to Saturday the XX/XX/XXXX. ( TCF Bank ) I have noticed has continually been slow ( seems intentional ) to update banking transactions. ATM, debits and credits. It takes them up to 5 days to update and post all transactions " even if they occurred on the same day ''. Not only that! But the posting on my cell app and on PC website access have shown different dates for the update and postings of transactions. They smile when I seriously question their practice and they say that all banks do this. This I do not agree with. What I do see is this. " If I was not paying attention '', to a budget or what financial transactions I undertake. The TCF Bank would be charging me " fees '', that should not be occurring. What my experience has said to me is this, " once I don't look '', I will get hit with bouncing fees of {$37.00} or more depending on how many transactions bounce. The current frustration is that on the XX/XX/XXXX my insurance payment posted and was confirmed by my XXXX XXXX that it was collected. But the TCF Bank today on the XX/XX/XXXX told me they did not get paid because it doesn't show on the posted accounts. Mind you last night on the XX/XX/XXXX on the PC and cell app it showed that it was posted. But this morning as of XXXX it has disappeared from the transactions all together. I believe that I am not the only one going thru this erroneous practice from TCF Bank.
Product: Money transfer, virtual currency, or money service

I closed the Cash App account because of suspected fraud and there were other accounts leaked to my Cash App account. Also cash app sent a card and XXXX me from viewing the card so I close the account to my dismay. Cash app has reopened that same account without my permission they are determined to continue to use my account to conduct fraudulent business. The picture of the account was taken today, although the Cash App account was closed days ago. I want cash app to answer through this portal because the attorney generals office is going to ask. Did I exhaust all avenues with CFPB Cash app is refusing to answer through this portal and sent an email stating that I should answer them directly not through this portal and then sent me an email saying they were closing the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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Product: Checking or savings account

I opened a new XXXX XXXX savings account with CapitalOne.Com back on XX/XX/XXXX. Capital one had a special if you open a new account and leave more than XXXX then they will give you more than 3 % interest and a {$1000.00} bonus after 3 months. I put a lot of money into this account and made very few transactions. I opened up 2 other checking accounts with them and a credit card in XX/XX/XXXX. My paycheck from the company I work for started to go into this new account as well. On XX/XX/XXXX or so I logged into my account and all 3 accounts say " your funds are currently not available to withdraw. Please call us at XXXX '' I have called 6 times now and they keep telling me that my account is in review and they are holding my money hostage. I am XXXX XXXX XXXX and I don't appreciate being treated like this without any reason or knowledge. I also emailed the president of the bank 4 times with no responses. I would like them to shut my accounts down and release my money ASAP. Please get back to me by phone XXXX my son 's phone number or email me XXXX XXXX
Product: Debt collection

On XX/XX/2022, at XXXX I received a call from convergent outsourcing. I spoke with a gentleman named XXXX at the time. Upon the phone call I wanted to inform him and his supervisor that it is illegal to contact a consumer without my reaching out first according to 15 USC 1692c. I waited to speak to a supervisor and after being on hold for awhile I was told by XXXX that I would receive a call back by XXXX. I never received a call back to address the issue. I called once more on XX/XX/2022, I was able to finally speak with a supervisor named XXXX but with phone issues, I was unable to hear her or vice versa. I called back and was unable to get through.
Product: Credit card or prepaid card

XX/XX/ Traveled on XXXX XXXX ( 4 flights ) Flight crew pushed passengers to sign up for aviatormastercard ( Barclays Bank ) Promoted no fee for the first year and XXXX free bonus frequent flyer miles We signed up under XXXX XXXX and XXXX XXXX They ran credit and issued the cards We called to activate and were told we had to pay {$99.00} and the info regarding the 1st year at no charge was in accurate. We explained that XXXX XXXX promoted this on 4 different flights. It was part of their inflight announcements. We also have a copy of the brochure outlining the same information. They asked for the promocode which we gave them from the brochure. ( promo code XXXX ) The agent on the phone said they would open a case and we would hear from someone with i 24 hours. It has been 2 weeks and nobody has responded. 
As of our last communication we were told we owe {$99.00} and the account is closed. 

This is total bait and switch and running credit followed by cancelling a credit card effects our credit score. This is un acceptable. We expect the terms as promised. 
If XXXX XXXX and Barclays Bank whishes to sell credit cards they should be held to legal standards in advertising and promotions.
Product: Credit reporting or other personal consumer reports

I asked credit reporting company to verify that the information on my credit report is reporting correctly. The credit reporting agency said they did so I refreshed my credit report to see that it still say that my credit report wasn't updated and I still found inaccuracies still on my credit report even after they said they did verify everything on my credit report. 
XXXX-Account # XXXX is this account and in accordance to the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agrncy can not furnish a account without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The only thing that I've done was applying for a auto loan and upon that I've noticed random inquries appearing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a XXXX  who just got is social security this XX/XX/2021 I was taking advantage of by some of this companies and most of them where actually more of like a deceit pulling hard enquiries where they indicated that it wont affect my credit but ended up been a hard pull and some I didnt even give my information. In such a short period of time how could I possibly have all this hard enquiries it dont even make no sense They are as follows with dates and descriptions : XXXX. XXXX Bank XX/XX/XXXX. Was suppose to be a soft pull to check if I prequalified and instead they ran an hard pull. 
XXXX. XXXX XXXX XXXXXXXX XX/XX/2021. This I have no idea of I remembered shopping from XXXX on that day if that was how they got my info I dont have a clue but I didnt request nothing from them XXXX. XXXX XXXXXX/XX/2021 This I have no idea of in its total entirety I dont know them XXXX. XXXX XX/XX/2021 Yes am an XXXX shopper but I requested nothing that has to do with credit from totally disputing this too. 
XXXX. XXXX XX/XX/2021Yes I have shopped in XXXX couple of times but I never requested no credit card to warrant this please am disputing that. 
XXXX And last XXXX XXXX BANK XX/XX/XXXX and XX/XX/ respectively. I did apply for a credit card from them but they never replied back either I was approved or unapproved so why would I have a double hard pull on my credit at those XXXX separate dates thats totally unofficial as I wasnt even approved so even if there should be a hard pull from XXXX it should one out of me been sincere.
Product: Money transfer, virtual currency, or money service

I received a settlement from a class action lawsuit on XXXX XXXX2024. I requested that I receive the money via check or direct deposit. Both were denied. Only option was Venmo. So I signed up. Never touched the account. Simply opened it for this purpose. This was months ago. 
When I realized the money was there I attempted to transfer the money. It was denied. I even received a notice from my bank saying Venmo was now linked to my bank account. However the money would not transfer. Venmo then requested proof of ID. I sent a photo of my drivers license. 3 days later I receive a email saying Due to several concerns regarding your account activity, we made the decision to permanently restrict your account. The funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. 
Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email.
Product: Credit card or prepaid card

I HAVE TRIED SEVERAL TIMES TO RECTIFY THIS IDENTITY THEFT ACCOUNT WITH HOME DEPOT AND XXXX AND THEY ARE REFUSING TO HELP. I NEED THIS ENTRY OFF OF MY CREDIT REPORTS ASAP AS I AM A VICTIM OF IDENTITY THEFT. I WILL BE FILING LAWSUITS AGAINST THE CREDITOR AND BUREAU FOR THE MAXIMUM COMPENSATION BY LAW.
Product: Debt collection

I declare Myself competent. I am not a Corporation or a Public Entity. 
You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX must be a Third Party Debt Collector and I do not give you permission to interfere into My Commercial affairs. If you are assuming that you are representing Me, you are Hereby Fired and your Power of Attorney is Hereby Revoked. 
As proof of claim, complete the attached CREDITOR DISCLOSURE STATEMENT and return within 15 days. Failure to respond with the completed CREDITOR DISCLOSURE STATEMENT, thereby providing your verified Proof of Claim, signed under the Penalties of Perjury and verified by your affidavit, you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXXare agreeing to your Commercial Dishonor, exhausting My Administrative Remedies. I will accept your Silence as an Acceptance, and your agreement that a Default be entered against you. You will also agree to a Full Tacit Contractual Agreement being a participant in Fraud and to forfeit all remedies under Administrative Law, Judicial Law, and / or MARITIME CLAIM RULES C ( 6 ). 
You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will beconstrued as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. I do not have any contract for business with your company ( XXXX XXXX XXXX )