23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Both my minor children have been a victim of fraud and identity theft. I have contacted the credit card companies explaining the accounts were fraudulently opened and my children are minor. The accounts need to be removed from their credit reports, collections, and any other reporting as these are fraudulent. The companies have failed to correct the accounts as well as the credit agencies. 

See police reports of fraud and theft. 
XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report No XXXX XXXX XXXX XXXX XXXX Department Report No. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX Federal Trade Commission Report XXXX Federal Trade Commission Report XXXX XXXX XXXX XXXX Report No. XXXX XXXX XXXX Police Report XXXX. XXXX XXXX XXXX Police Report XXXX. XXXX XXXX XXXX Police Report XXXX. XXXX
Product: Payday loan, title loan, or personal loan

I have 15 small installment open loans with Affirm ( total balance due for all accounts is {$750.00} ). Recently I lost part of my income as an in XXXX XXXX XXXX for my grandmother, who passed away due to complications from XXXX. I have contacted the company numerous times to tell them I am having difficult paying my loans but they refused to work with me. Since contacting them they have charged off 3 of the loans to XXXX XXXX.
Product: Credit card

I had a bankruptcy discharge in XXXX ; we're now in XXXX. I've been attempting to reestablish my relationship with Navy Federal credit union who was one of the creditors they have consistently denied me for regular credit cards, secure credit cards, any VA home loan. The reasoning on every correspondence stated " there is a loss associated with your Navy Federal account. '' I have credit cards with every major carrier. I've been preapproved for a VA mortgage with multiple carriers. I would like to reestablish my relationship with Navy Federal, but they are not giving me the opportunity, and they're not being fair in the process. Attached shows credit score as well as other factors. They're not denying me because of credit or my current credit history ; they are denying me based on one event that happened almost 15 years ago.
Product: Debt collection

I requested the following information to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, delegation of authority giving you the authority to collect the debt, and a complete accounting / statement of payments with interest and fees associated with this debt.
Product: Debt collection

Other AFFIRM INC XXXX XX/XX/2017 XXXX
Product: Prepaid card

I received two {$500.00} American Express Gift Cards from my work in XX/XX/. 
As of writing this, I have been able to use the cards on only two transactions over the course of the past year. One was a XXXX in-store purchase and the other was a XXXX in-store purchase. This gift card no longer works at either of those locations. The second gift card has not worked anywhere. One of them shows a {$500.00} balance on the online balance checker. The other shows a {$410.00} balance ( {$500.00} minus the two transactions that worked ). 
All other transactions, both in-person and online, are declined. The customer service agents seem to essentially have a script regarding the declines being " for safety reasons '', but the cards have essentially been rendered useless as a result. 
Furthermore, the website advertises the ability to add cards to digital wallets, use them anywhere Amex is accepted online, etc. All of that is false. They are rejected from all digital wallets, and can not be spent at any online retailer that accepts American Express. 
Put simply, these can not be spent anywhere reliably, and the high rate of declines leads to a high level of XXXX  when attempting to use them to shop in-person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

I went to Eastern Bank and got the Bank problem resolved and paid and the said it would not be reported to XXXX  XXXX then I see it on my XXXX XXXX report Eastern Bank XXXX XXXX XXXX XXXX Ma XXXX and phone number not available
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried disputing this account with TransUnion XXXX and XXXX along with original creditor because account is a total mistake itself. Account has been stating as an installment type when original and true account type is a secure loan. XXXX was granted with collateral. Accounts open as XX/XX/XXXX by Transunion XX/XX/XXXX by XXXX and XXXX with a status of derogatory by all three bureaus with a balance of {$8500.00}. Account was reporting date of last payment incorrectly stating Trans Union as XX/XX/XXXX while XXXX reported XX/XX/XXXX and XXXX report at XX/XX/XXXX. Payment history was reporting OK as agree all the way from XX/XX/XXXX through XX/XX/XXXX by XXXX when XXXX was reporting date of last payment XX/XX/XXXX while XXXX was reporting payment history with consecutive charge off as if it was some sort of payment method. Account status is now stating as closed with a balance of {$10000.00} with Trans Union and XXXX. How did balance change this much?! date open has changed from XX/XX/XXXX to XX/XX/XXXX with XXXX and XXXX. Now, removing all data from date of last payment and deleting payment history with XXXX changing OK as agree with charge off all the way from XX/XX/XXXX to XX/XX/XXXX recording payment as OK on XXXX and XX/XX/XXXX. This is impossible if account has been closed! Account can not report payment XX/XX/XXXX and XX/XX/XXXX and not record payment on date last payment especially if account is closed. Account is now stating date last active as XX/XX/XXXX by TransUnion and XX/XX/XXXX with XXXX  while XXXX reports XX/XX/XXXX. Ive asked bureaus for method a verification showing where they are getting information from as information is obviously stating incorrectly but I have not received anything on their end. There is no possible way that all three bureaus can be correct if information is coming from the same furniture data account as a total mistake.
Product: Money transfer, virtual currency, or money service

I have been dealing with this bank Santander for a while trying to get money that is mine back to me. I leant money to a friend and supposedly the XXXX of the bank wanted me to pay XXXX to get XXXX XXXX from my friend. I never trusted the person who never gave me ID verification. He wanted access to ny bank accounts and drained them once during this time saying he wanted to keep my money safe from XXXX XXXX XXXX that he says that he has He claims that he can not share this aqs it is bank property.t rgotten the money back from them and it has been added to the XXXX which is now up to XXXX have been trying to get a document from the bank that says you need to give money to get money. This is not right especially if you are on social security fir them to be able to ask for more money that will be added to the total. I know that I am not the only one who is having this happen to because if XXXX XXXX  does it I am sure that other banks also do it. He never gave me account number where the money 's being held.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries and remove them immediately in my report : XXXXXXXX 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 reporting, credit repair services, or other personal consumer reports

Due to the security breach at Equifax and the amount of accounts that they have admitted have been compromised, it is mathematically guaranteed that my credit report history has been stolen. I feel that Equifax did not properly secure important information pertaining to my financial well being and also did not attempt to contact me about the security breach despite obviously having all of my information. In an attempt to secure myself against identity theft which I am currently assuming will happen, I have requested my credit reports from each credit reporting company before placing a freeze on my credit. I have not been successful in getting any report from either of the three companies ( Equifax, XXXX  and XXXX ). None of these companies have taken steps to further secure my financial security but rather have tried to ply me with further services that cost an additional amount including trying to charge me to place a credit freeze on my account without a police report.
Product: Mortgage

We ( me and my XXXX  XXXX XXXX XXXX closed on our house on XX/XX/XXXX using the lender Mr. Copper. We live in XXXX XXXX where it is required that we have windstorm and hail insurance. 
We ( and XXXX ) provided insurance documentation stating they ( XXXX ) did not provide windstorm and hail insurance. 
At the time of closing, we thought Mr. Cooper had worked with XXXX and XXXX to add the windstorm and hail coverage, knowing that it is required for us to have it in the county to be able to close. 

On XX/XX/XXXX Hurricane Beryl hit our house ( XXXX, TX ) and caused about {$60000.00} worth of damage to our home. We called Mr. Cooper and spoke to XXXX XXXX and she informed us that we do have windstorm and hail. She then did a 3-way call to XXXX. They informed us they do not have a policy with us and neither do their partners ( XXXX ). This is all on a recorded line with Mr. Cooper 's Insurance Department. 

We later find out that Mr. Cooper closed on our house without the required insurance. The manager of the Mr. Cooper insurance department called me on XX/XX/XXXX and said all they could do is change my status to " does not have windstorm and hail '' and sign me up with lender provided insurance. We then could backdate the claim. When doing my research I found out this would cost me XXXX  of dollars. 

I have XXXX children and I am a XXXX XXXX. Our home is not safe as there is siding missing and falling off the house, water damage to our floors, and around the windows. I would like Mr. Cooper to cover the cost of the repairs that would have been covered with the windstorm and hail insurance.
Product: Credit card

On XX/XX/2016, I made a purchase in the XXXX 's department of Macy 's in XXXX, PA. I was asked by the sales associate ( a woman ) if I had a Macy 's credit card. I said yes and showed it to her. The sales associate then told me that Macy 's was " doing away with '' their regular credit cards and was switching to the Macy 's American Express credit card. If I signed up for XXXX on this day I would receive a discount on my purchase. The sales associate also stated that I should switch over to the Macy 's XXXX card because I would have to do so in the future anyway. I have since learned that this was completely untrue. This is credit card fraud, and what the associate did was very wrong. I have contacted Macy 's numerous times in numerous ways and no one will respond to my complaint. I assume that if the sales associate did this to me that she did it to several other consumers. My biggest concern is that this is a common practice for Macy 's sales associates everywhere. I may consult an attorney regarding a class action lawsuit and additionally report this to the XXXX Office of XXXX.
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. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect.

The accounts below have violated my rights.

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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 : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

In accordance with the Fair Credit Reporting Act XXXX Account : 1. XXXX XXXX They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Product: Debt collection

XXXX claims to have marked the debt as disputed. Has not provided any confirmation of this and credit reporters do not have it marked as disputed either.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent accounts that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, these fraudulent accounts remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought these fraudulent accounts to your attention because I was assured that an investigation would be conducted, and the accounts would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The account in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of this fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On Wednesday, XX/XX/2019, at approximately XXXX XXXX EST, my brother XXXX XXXX called customer service to make a payment toward my XXXX Mastercard credit card account, I requested he only make the minimum payment of {$27.00}. XXXX spoke with a customer service representative by the name of XXXX, unfortunately XXXX not only confirmed the minimum payment due amount of {$2.00}, she also chose to provide my brother whom IS NOT an authorized user on my card with ; my total account balance and confirmed that my account is an interest baring account. None of this information should have been given to my brother, ONLY a proactive payment should have been accepted by this representative.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate the items for me to ensure accuracy. 
Here is the item I am asking to verify as accurate. 
XXXX XXXX XXXXXXXX ; Account Name : XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TransUnion Re : Acct # XXXX To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXX, which you claim Such as I owe an unknown amount. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Please do n't continue to repost something on my credit that does n't belongs to me. You 're breaking the law. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Product: Vehicle loan or lease

I cancelled all of my extra warranties and service plans with Toyota Financial. It has been over 30 days since I cancelled all of them. I have called numerous times and sent numerous online messages. Toyota Financial has not applied a single refund on any of the warranties or service agreements. Toyota Financial owes me ofer {$4000.00} total for all of the warranties and service agreements. I cancelled Tire and Wheel Protection, GAP insurance, Service Agreement and prepaid maintenance plan. As of today, not a single refund has been applied to the balance of the loan. When I call I just get told it's a process and to wait. When I send a message they say someone already answered the call. No resolution at all and they won't refund any of the money to the loan balance. I recently read about a lawsuit with Toyota Financial for them doing the same exact thing, and they clearly are still committing these offenses!