23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have a checking account in which I post all my payments. I usually have problems but I can solve them through the branch because Customer Service is literally awful. 
This time in particular I was trying to set a payment in one of my credit cards that the online banking did not take. I did several attempt in order to pay earlier my balance and then don't get charge with interests. I couldn't do it in both of my checking accounts. 
Finally the website let me do it on XX/XX/XXXX that it was the due date. That day the Credit Card wasn't payed because I had the money in my account. On XX/XX/XXXX, I check the bank as I usually do every day, and I see that the bank issue a check to pay the credit card. When I received the statement of my credit card, I was charged with late fee and the interests.
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 use 1681. 

XXXX XXXX XXXX # XXXX XXXX  child support enforcement # XXXX, # XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX 15 U.S.C 1681 section 602 A. States : I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any Consumer Report containing any of the following items of information or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Product: Debt collection

Timeline of events :XX/XX/XXXX Pulled credit report, collection listed.XX/XX/XXXX Letter sent to Action Collection Service.

XX/XX/XXXX Letter delivered and signed for.

XX/XX/XXXX No response, pulled credit report, still listed.

XX/XX/XXXXSent 2nd letter to Action Collection Service.

XX/XX/XXXX Letter delivered and signed for.

XX/XX/XXXX No response, pulled credit report, still listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial was unable to locate my account for payment over the phone on multiple inquiries during the coronavirus pandemic. They could not take a payment over the phone, and there was no way to make a payment online, as the account would not show up on their system. No mail was sent to our home with a billing statement, and there was absolutely no way to pay the account during the period in question. The balance was a result of taxes paid to the town on my behalf, by GM Financial, and I was never provided detail on what that balance was, or how to pay it. We contacted GM financial over 20 different times to pay this balance during XXXX, with no reply. They eventually reported this negatively as you can see in the screenshot in XXXX of XXXX. The balance was ultimately paid to GM when I purchased a new vehicle and traded in the lease, but this was the only way to settle the balance.
Product: Checking or savings account

on XX/XX/22 I deposited a personal check from another checking account into wells fargo. It went through no problem and cleared. On XX/XX/22 I tried to deposit another check and keeps giving me an error message. When I called the first two times the reps kept hanging up on me. The third time i called and got transfered to escallation team. She advise me that she doesnt know why it took one check but not this one since its drawn on same account. She said to go into branch but I live 4hours away from a branch. My account is overdrawn and have no way of deposting any money since they wont take my checks. 

I believe they did this on purpose so they could charge me overdraft fees. This is the second time since opening my account that this has happen. The only time I have gotten any resolution was filing a complaint.
Product: Mortgage

I have been contacting my mortgage company regarding my XX/XX/XXXX property taxes back since XX/XX/XXXX. Every time I call they tell me the issue has been escalated and that they will take care of it right away. As of today XX/XX/XXXX my XX/XX/XXXX property taxes have not been payed. I keep receiving calls from the Tax Assessors Office notifying me of this issue and I need help. 
They can not provide me with answers as to why my taxes have not been payed if I have not been delinquent on my mortgage payment ever.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion regarding their failure to allow me access to my credit report and the inability to dispute errors online due to a persistent system error on their platform. This issue has caused significant distress and inconvenience, particularly given that I am XXXX XXXX XXXX. 

Description of the Issue : For 4 months, I have been attempting to access my credit report and initiate disputes online via TransUnions platform. Despite multiple attempts, I have been unable to do so due to a system error that prevents me from accessing these critical services. I have contacted TransUnions customer service on several occasions to resolve this issue, but it remains unresolved, leaving me unable to monitor and dispute any inaccuracies in my credit report.

Consumer Rights Violated : I believe that TransUnion has violated my rights under the Fair Credit Reporting Act ( FCRA ), which entitles consumers to : 1. Access to Credit Reports : Under the FCRA, I have the right to access my credit report annually at no cost. The inability to access my credit report due to a system error is a violation of this right.

2. Right to Dispute Inaccuracies : The FCRA provides me the right to dispute any inaccuracies on my credit report. The ongoing system error that prevents me from submitting disputes online obstructs this right.

3. Non-discriminatory Access : As a XXXX XXXX XXXX individual, I require reasonable access to my credit information and dispute processes. The persistent issues with TransUnions platform have effectively denied me access, which could be seen as discriminatory, particularly given the added challenges that come with my XXXX. 

Impact : Due to these violations, I have been unable to monitor and manage my credit effectively, which could lead to financial harm. As someone on a fixed income due to my XXXX, maintaining accurate credit is crucial for my financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a dispute with National Recovery Agency. I disputed this claim with XXXX and it has been deleted from my XXXX credit report. National Recovery Agency should IMMEDIATELY remove any and all derogatory marks that have placed on my credit score with other credit bureaus. 

I have attached a copy of the deletion dispute from XXXX to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I am sending this notice on my own free will. Attached is XXXX files which is an completed FTC ( identity theft report ) and files containing personal identifiable information and additional facts of identity theft. Please see to it that this information is blocked and deleted pursuant to XXXX XXXX XXXX within 4 days. In addition to blocking this information im am requesting full file disclosure of my credit file pursuant to XXXX XXXX XXXX ( g ) XXXX usc XXXX ( a ) and XXXX usc XXXX of the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. This account is in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the item nor done any level of investigation to support their position. I need this account removed due to the rules of estoppel. 
XXXX XXXX
Product: Bank account or service

I HOLD AN ACCOUNT AND DEBIT CARD WITH SANTANDER. ON XX/XX/XXXX2016 THEY BLOCKED MY CARD WITHOUT NOTIFYING ME AND WITHOUT SPEAKING TO ME. 2 DAYS BEFORE XXXX I GO TO THE STORE AND MY CARD IS DECLINED. I AM EMBARRASED. I CALLED THE BANK AND I WAS TOLD THAT MY CARD WAS CLOSED AND THEY ALREADY SENT ME A NEW XXXX. HOW CAN SOMEBODY TAKE MY MONEY AND MY CARD WITHOUT MY KNOWLEDGE. AM I LIVING IN COMUNIST COUNTRY? OR COUNTRY OF FREEDOM. I CAME HERE FROM XXXX AND GREW UP IN XXXX AND WE DIDNT HAVE TOO MANY RIGHTS. NOW SANTANDER CAN DECIDE WHAT IS GOOD FOR ME WITHOUT ME AGREEING. THEY VIOLATED MY RIGHT. WHAT IF I WAS OUT OF THE COUNTRY AND I HAD NO OTHER CARD???? I WANT TO USE MY MONEY WHENEVER I WANT AND I DO N'T WANT SANTANDER TO DECIDED FOR ME. I AM STUCK 2 DAYS BEFORE XXXX WITHOUT MONEY. I DO N'T HAVE TIME TO GO TO THE BANK. I WORK AND IT 'S BUSY AT THIS TIME OF THE YEAR. I HAVE BEEN TAKEN MY RIGHT TO CHOOSE AWAY FROM ME I CA N'T DO WHAT I WANT TO DO WITH MY CARD AND MY MONEY. THEY BLOCKED AN ACCESS TO MY MONEY. I FEEL VIOLATED AND I FEEL LIKE I HAVE NO RIGHTS WHATSOEVER IN THE EYES OF SANTANDER BANK. THIS IS ALSO UNAUTHORIZED CARD USE!!!!! I DID N'T AUTHORIZE THEM TO TOUCH MY CARD
Product: Checking or savings account

I opened a TD BANK N.A. checkings account on XX/XX/2022 ending in XXXX, as a consumer pursuant 15 U.S.C. 1692a ( 3 ). i received TD BANK N.A. banking access card and TD BANK N.A. checks with my Autograph. I attempted to create a online TD BANK N.A. account on XXXX XXXX, but was denied access due to a said fraud alert. Upon learning this I mailed a letter out to the C.F.O of TD BANK N.A. on XX/XX/2022, and TD BANK N.A. has failed to respond through any medium. 
2 ) I have a right to an authenticated record of accounting. I am is not requesting a statement of account, the i am is requesting for an authenticated record of the accounting. I am hereby disputing the alleged debt, and to require that TD BANK N.A. provides the requested information within the time allotted by law, which is fourteen calendar-days.

ALL RIGHTS RESERVED WITHOUT PREJUDICE 1-308
Product: Checking or savings account

An online order was placed at XXXX XXXX  on XX/XX/23 at XXXX XXXX for a tool kit to be picked up by XXXX XXXX in XXXX, Alabama, using my debit card number. It was picked up at XXXX XXXX. Please note that I do not know a XXXX XXXX nor have I ever been to Alabama. I currently reside in Nebraska. 

This was a Saturday and I slept in as I didn't have to work and by the time I checked my emails it was too late. I contacted XXXX XXXX right away and they just told me sorry that my card was stolen and to contact my bank. My card was not physically stolen as I still had the card in my possession. I tried to explain to XXXX XXXX that someone had hacked into my account with them and used the card I had on file for a monthly dog food subscription. 

I then contacted Chime aka XXXX XXXX  and cancelled my debit card and ordered a new debit card. I have filed three disputes with Chime and they have denied every claim. I shop at XXXX XXXX freqeuently for animal and yard supplies. I even sent them all of my online and in-store activity to show that I have never purchased anything outside of the Nebraska location . 

Timeline of events : XX/XX/23 claim filed for unauthorized transaction and provisional credit applied XX/XX/23 claim denied XX/XX/23 I requested documents used for investigation XX/XX/23 provisional credit reversed XX/XX/23 I requested documents used for investigation, for the second time XX/XX/23 I requested documents used for investigation, for the third time XX/XX/23 claim denied XX/XX/23 I submitted any information I had for the claim. 
XX/XX/23 I submitted a rebuttal of my claim. 
XX/XX/23 claim denied
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX FC XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked to have investigated two bankruptcies on my current credit report. There is a chapter XXXX Dated XX/XX/XXXX and a chapter XXXX dated XX/XX/XXXX on my current reports that are inaccurate. The credit bureaus have reviewed the reports as been accurate. I am requesting from all the credit bureaus verification of the accuracy on my credit report. I would like to know exactly how the account was verified and the contact person who verified the account. I tried calling the Bankruptcy court USBK COURT XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX to ask if they verified this account to the credit bureaus and I was told by the clerk that they do not verify information to any credit bureaus. Please provide me with as many details as possible as to who verified these accounts because I never filed a bankruptcy. I would like original documents showing my signature as well.
Product: Debt collection

On XXXX XXXX, XXXX, Diversified Consultants sent me a letter telling me that my account with XXXX was referred to their office for collections. Yet, they posted it on my credit reports before the date of my letter. I asked them to validate the debt, I never heard back, I asked them again to validate the debt, I never heard back ( this was all by certified mail ). I sent another letter asking them to debt the debt but they said no. I called them on XXXX XXXX and told them that I had a zero balance with XXXX. They said that I would need to prove it. I went to my local XXXX office and sent Diversified my statement that said {$0.00} balance. They said they will report to my credit report that it was paid. I stated that I never owed Diversified the debt and it should be deleted. It is still on my credit report. They are reporting false information and it is affecting my credit. I should not have to jump thru hoops for an unethical company!
Product: Credit reporting or other personal consumer reports

to whom this may concern but XXXX XXXX is prohibiting me from. full utilization of my credit leverage, also false late payments stated have decreased my credit score, the XXXX XXXX XXXX vehicle loan is incorrect. currently stats the loan is for the personal owner is " XXXX XXXX ". upon purchasing the vehicle loan we stated this would be for a commercial vehicle " XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

please fix this issue asap thank you
Product: Credit reporting or other personal consumer reports

**Contents of Complaint : ** This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX, XXXX, and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 

The fraudulent, inaccurate, and false information consists of a personal credit card account opened .... 
These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. All of the accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or authorized by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached to this document are two filled reports from the Identity theft. Gov.
Product: Payday loan, title loan, or personal loan

I have had multiple issues with this company. Out of all the places I have had loans this place is the worst. I have also sent in 3 complaints via the website and have heard nothing back from them. I am tired of the being bully 's, yelling out my personal information in the office, and threatening me. They are bringing up my personal children in the matter. I called to get a payoff on XX/XX/2019. XXXX quoted me {$700.00}. I called back up there the following Friday, and my pay off was {$910.00}. My wife paid it, and didn't ask questions. We were just so glad to be away from this crooked company. Well they call last week about a return check. Now they are bullying me trying to get me to pay this when it took them over 2 weeks to get a notice. I shouldn't be responsible. Especially after i just gave them {$910.00}. They can settle without the $ XXXX.I have paid the more than what I borrowed. I want this taken care of and I want them to never call me again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, CA XXXX Re : Debt Validation Request Account Number : XXXX Dear XXXX XXXX XXXX, I am writing to request validation of the debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any debt that you claim I owe. This is not a refusal to pay but a request for validation of this alleged debt. 
Please provide me with the following information : Proof that I owe this debt : Please provide the name and address of the original creditor and a detailed explanation of the amount owed, including the original amount, any interest, fees, or other charges added to the debt. 
XXXX of your right to collect this debt : Please provide a copy of the contract or agreement that you have with the original creditor that authorizes you to collect this debt on their behalf. 
Complete payment history : Provide a complete payment history from the original creditor, including all charges and payments made on this account, so I can identify the validity of this debt. 
Proof of your license to collect in my state : Provide documentation that you are licensed to collect debts in my state and that your company complies with the relevant laws governing debt collection. 
Until I receive the requested information, I will not consider any payment towards this debt. Additionally, please cease all communication regarding this debt except for providing the information requested above.I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Cease and Desist Notice Account Number : XXXX Dear XXXX XXXX XXXX, I am writing to formally request that you cease all communication with me regarding the above-referenced debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to ask you to stop contacting me, and I am exercising that right. 

Please be advised that any further communication from your company, except as required by law, will be considered a violation of the FDCPA, and I will not hesitate to pursue all available legal remedies. 

This letter is not an acknowledgment or validation of the debt, nor does it indicate a willingness to pay. I request that you provide no further contact regarding this matter, except to confirm that you are honoring this request or to notify me of any specific action you intend to take, as allowed under law. 

Thank you for your prompt attention to this matter. 

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

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

A friend sent me a check for XXXX and I deposited it into my checking account with Capital One Bank. I XXXX him {$2400.00} and sent him {$1100.00} in XXXX gift cards. He told me that the check was cleared and he made me send him his money when I did not want too. He also is sending another check in the mail tomorrow going to turn it in to the police department.
Product: Credit card

I made a payment to my capital one card of {$800.00} on XX/XX/18 which cleared my bank and snows as posted on my capital one history however they will not release the funds. I have had this account for years with payments always made early and on time. Theres no reason for the hold and when I spoke to capital one they said there was no reason its just their policy even though their site clearly states payments should be made available to the balance in 1-2 days which is the most amount of time Ive ever waited for a payment to be made available to my balance. This information is false and the lack of transparency from capital one cost me hundreds as I was unable to pay for my rental from the airport and had to use another service that accepted debit cards.
Product: Vehicle loan or lease

I Bought a vehicle XX/XX/XXXX from XXXX XXXX XXXX i specifically ask to have gap included in my finance charge when financing the vehicle. The sales agent was like ok we'll add that in there for you and they never did. I recently sent a letter of recession to the dealership on XX/XX/XXXX they claim my claims were baseless. I followed up with letters i haven't heard a response from them or gotten a remedy.
Product: Checking or savings account

I tried to withdraw {$200.00} from the atm, but did Not Receive any Cash, or the Receipt, or an error message, but each time I tried it subtracted from my balance, I filed a dispute with discover bank, they denied the dispute and mailed a letter stating I can request a copy of the proof from the merchant, but when I call to request the proof, they stated they can not send it to me, the resolution I'm looking for is to either provide the proof that the ATM dispense the funds, Or credit my account for the amounts in question..