23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XX/XX/2018 I received a XXXX XXXX  procedure, XXXX   from XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. They stated the product would last a minimum of 6 months to one year. I paid them XXXX dollars for the procedure and it left me with XXXX on my XXXX and the product dissolved within 2 weeks. I have a copy of an email I sent them on XX/XX/XXXX stating that I wasn't happy with the procedure. They invited me back into the office and stated that they did everything according to the protocol but couldn't refund me. I explained that Had I have known the product would only last 2 weeks and at a cost of XXXX dollars I wouldn't have had XXXX  in my XXXX. This is false and misleading advertisement. 
So I issued a complaint with my credit card company and my credit card company Discover card XXXX XXXX XXXX XXXX XXXX XXXX, stated I did not have enough proof! 
I sent them copies of correspondence between myself and XXXX company and the fact they stated on their website the product would last 6 months to 1 year. 
Discover card despite me having an absolute impeccable payment history with them, do not want to resolve this for me, as they state I need more proof before they can refund me. I suggested I show them how my procedure looked before, then immediately after, then 2 weeks after the final result and Discover card, said that wouldn't be enough proof! so I am supposed to endure false and misleading advertisement from a company offering procedures they say last longer than they really do and fall victim of small print from Discover credit  card. 
regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX ACCOUNT #: XXXX

LOCATION INFORMATION: XXXX XXXX XXXX XXXX XXXX GA XXXX


DEAR XXXX XXXX XXXX XXXX

THIS IS ABOUT THE CONSUMER CREDIT TRANSACTION INITIATED ON XXXX WITH YOUR FINANCIAL INSTITUTION EXECUTED BY WAY OF SIGNING AN AGREEMENT ( DOCUMENT). AS PER 15 USC 6827(3) THE TERM DOCUMENT MEANS ANY INFORMATION IN ANY FORM.

THE PROVISIONS OF 15 USC 6801(A) REQUIRE FINANCIAL INSTITUTIONS TO NOTIFY CONSUMERS OF THEIR INFORMATION SHARING PRACTICES AND PROVIDE FOR A RIGHT TO OPT OUT OF CERTAIN SHARING. 

IN THE ABOVE MENTIONED CONSUMER CREDIT TRANSACTION, WITHOUT GIVING ME THE OPPORTUNITY TO OPT-OUT, YOUR INSTITUTION FURNISHED MY NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES( I.E XXXX, TRANSUNION & XXXX ) 
ACCORDING TO 15 USC 6809(4)(A), THE TERM  NONPUBLIC PERSONAL INFORMATION MEANS PERSONALLY IDENTIFIABLE INFORMATION-

(I) PROVIDED BY A CONSUMER TO A FINANCIAL INSTITUTION;
(ii) RESULTING FROM ANY TRANSACTION WITH THE CONSUMER OR ANY SERVICE PERFORMED FOR THE CONSUMER;OR
(iii) OTHERWISE OBTAINED BY THE FINANCIAL INSTITUTION

FURTHER, PURSUANT TO 15 USC 6809(5) THE TERM NONAFFILIATED THIRD PARTY MEANS ANY ENTITY THAT IS NOT AN AFFILIATE OF OR RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL WITH THE FINANCIAL INSTITUTION BUT DOES NOT INCLUDE A JOINT EMPLOYEE OF SUCH INSTITUTION.

THEREFORE, AS PER THE LITERAL INTERPRETATION, THE ORGANIZATION NAMED TRANSUNION, XXXX  AND XXXX ARE NONAFFILIATED THIRD PARTIES AND YOUR INSTITUTION HAS VIOLATED THE PROVISIONS OF 15 USC 6802.

IN CASE YOUR COMPANY ADMITS THAT THE ORGANIZATION NAMED; TRANSUNION, XXXX & XXXX IS AFFILIATED, IT HAS STILL VIOLATED THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT.

PURSUANT TO 15 USC 1681A (D)(2)(ii), THE CONSUMER REPORT WILL NOT INCLUDE ANY INFORMATION COMMUNICATED AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL.

FURTHER, 15 USC 1681A (D)(2)(A)(ii) STATES THAT IF THE COMPANY WANTS TO COMMUNICATE OTHER INFORMATION AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL, IT SHALL BE CLEARLY AND CONSPICUOUSLY DISCLOSED TO THE CONSUMER THAT THE INFORMATION MAYBE COMMUNICATED AMOUNG SUCH PERSONS AND THE CONSUMER SHALL BE GIVEN THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMOUNG SUCH PERSONS.

THEREFORE, YOUR COMPANY HAS NOT ONLY INFRINGED MY RIGHT TO PRIVACY BUT ALSO VIOLATED MULTIPLE FEDERAL LAWS.

I HEREBY DEMAND YOU TO REMOVE THE BELOW MENTIONED INFORMATION FROM MY CREDIT REPORT; UPDATE TO PAID AS AGREED

LATE PAYMENTS: 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX  

IF YOU ACCEPT MY REQUEST, I WILL NOT ESCALATE THIS MATTER TO A FEDERAL COMPLAINT.

THANK YOU FOR YOUR ATTENTION TO THIS MATTER.

SINCERELYXXXX XXXX XXXX
Product: Checking or savings account

Chime locked my account I have funds I need to pay rent I called chime and the said were sorry but you need to email and discuss the matter so I did and they are requesting a tax form that doesn't apply to me they will not unlock my account until I turn that for in I do not feel comfortable turning in a paper with my social security number on it to someone I do not know
Product: Student loan

I 've repeatedly asked them to make the orignal MPNs for my loans available and they refuse.     The section on the website that should have them remains blank. I 've repeatedly disputed their timelines and fees but they completely ignore all complaints. The section of the website that shows correspondence is completely blank and there is no way to prove that you contacted them.     After complaining t o the Federal Ombudsman 's office they 've sent some MPNs that are clearly not the original and do not have valid signatures on  them. I want them to provide actual proof, and if they claim that it was signed electronically I want them to provide proof that they complied with the standards for electronic signatures in electronic student loan transactions released in  XXXX   of 2001 by the Department of Education. Again, I want them to prove that they met the requirements of the standards. I 've asked them repeatedly to prove the origin of the loan as they are not the original servicer. They have not responded to any request for years.      They also have n't provided me with my repayment options as required by law at the end of grace periods resulting from deferments, they 've also misclassified deferments as forebearances. They do not provide information required by law, they skirt around the requirements, and they put fines and random charges on the loans whenever they want.
Product: Vehicle loan or lease

I was looking for a car to replace my elderly mothers death trap of a car for her birthday. I applied for a pre-approval of {$20000.00} on Navy federal credit union. I have excellent credit, XXXX and on XXXX. My only income is from veterans disability, which is more than adequate to pay all my obligations. I got the approval on XX/XX/2022, I immediately drove XXXX miles one way to the closest branch to get the check. Check in hand I find a used car on XXXX for {$14000.00}, I get the VIN and do a XXXX value check. The price came out to match, so I made an offer, did all the paperwork and scheduled a delivery for XXXX  XXXX XX/XX/2022. The whole cost was way below my {$20000.00} cap. 
Delivery day and its XXXX pm, I call to ask wheres the car? They gave me the runaround after calling 20 different people, only to find out that navy federal had denied the check. I call navy federal and they denied it because they said the value to price was below because they didnt use KBB they used XXXX XXXX which said it was thousands cheaper, it was for my protection, not that getting blindsided emotionally distressed and nearly put into a blind rage because they felt this was a bad deal and didnt have the ethics to let me know that because they chose a different guidebook and used it as absolute, over doing an average and honoring the approval check. I now have to use the XXXX finance with higher interest, and jump through all the hoops along with the embarrassing ordeal of having to go through the process all over, the time wasted, sleep deprivation caused by such cowardly disgusting disrespectful conduct! They literally made my XXXX and XXXX XXXX skyrocket in just seconds. Its traumatizing on its own! 

By only using the lowest guidebook as absolute instead of doing an average of the three, literally makes getting a used car absolutely impossible! These are price guides not absolute price books. This whole interaction was unethical and absolutely unprofessional.
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
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: Credit reporting or other personal consumer reports

I have XXXX closed accounts with XXXX XXXX  That are not mine and are over XXXX. They changed the report dates of when they were closed. They were closed in XXXX and they were change to XXXX. It was removed off my XXXX but XXXX  and experian fail to remove it. 

XXXX XXXX bal. amount of {$1800.00} XX/XX/XXXX bal. amount of {$710.00} I have a close account with XXXX XXXX that I was making payments on and they closed my account while I was making payments. I am not over my limit and they close my account saying I was behind and reported me to all XXXX bureaucracy 's as a close account. This I formation is wrong XX/XX/XXXX balance {$5300.00} and credit limit {$6000.00}
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX XXXX - XX/XX/2023 XXXX XXXXXXXX XXXX - XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I paid off my amazon credit card managed by Synchrony Banks. In XX/XX/year> they put on a fee or something onto my account for a balance of {$4.00} that I was never informed about or anything. I am XXXX XXXX military and moved to deploy that month so I know I never bought anything and thought the account was closed out. After a month or two later seeing that late payments on my credit card I filed disputes saying charges were never mine and after 120-150 days I finally just paid the small amount because of the damage it was doing to my credit score. Finally after many times reaching out to the company they said the will give me a letter or something to remove the late payments on their end but I am not in the states and can not receive that letter. All I want is all the late payments removed so my score can be corrected.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX is a Consumer filing this Complaint and it is not a third party. The following credit reporting agencies are violating FCRA and FDCPA by reporting transaction experience between a Consumer and a creditor. Which is a Violation of 15 usc 1681 ( a ) ( 3 ). I DEMAND that this account be removed IMMEDIATELY. 
XXXX XXXX XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$50000.00} Status Open. {$880.00} past due as of XX/XX/XXXX. 
Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Transunion several times to dispute incorrect information on my credit report. There is an credit inquiry on my transunion credit report made a XXXX I have never authorized this company to obtain a copy of my credit report
Product: Credit reporting or other personal consumer reports

I obtained a copy of my credit report and noticed a number of accounts that I do not recognize. The accounts are XXXX XXXX XXXX account number XXXX and account number XXXX, XXXX XXXXXXXX XXXX XXXX  account number XXXX, XXXX XXXX account number XXXX and XXXX XXXXXXXX account number XXXX and account number XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2026 XXXX added a derogatory mark on my credit report per Experian, XXXX, and XXXX. These degratory remarks and account are apart of identity theft. I have attached a FTC report that list all accounts that were listed on my credit report illegally.
Product: Credit reporting or other personal consumer reports

I have just learned that my identity was breached and data was hacked through Experian 's website. I have had ongoing issues with IDme.gov sending me pings at various times when I personally am not on their website or using any services online. This was the first sign that something was wrong then I kept getting my XXXX XXXX  declined because of Fraud again and spent over XXXX  hours on the phone with them paying extra fees to have new cards expedited to me so I could pay bills. I also noticed on my credit report that my data was distributed on the dark web. I am currently in XXXX  and will be XXXX  soon and am also in the market to buy a house for me and my XXXX daughters. I am a single parent who is struggling financially and can not believe I have this many issues with credit cards, that I also had to call and have charges removed multiple times ( 35+ hours ), that is to XXXX  and XXXX XXXX over the past year. I am severely affected by all of this and sometimes feel XXXX  and XXXX due to the amount of harassment from the credit card companies with no resolve. I chose to walk away and file with a debt management company out of desperation. I don't know where I went wrong until I found out about my data/identity theft yesterday XX/XX/23 on the Experian website now it all makes sense. And why did nobody tell me earlier this is disappointing and scary! If my data is already being used elsewhere my business is also at risk. I am a business owner and recently signed up on the XXXX and XXXX website that also reported suspicious activity that was unknown but a large amount of unknown information? Where do I get resolve I am only one person work full-time and attend XXXX online ( XXXX  ) and am worried my student loans may have been impacted too. I don't know where to start or to end because I have had multiple inquiries on my credit report recently I wouldn't know where to start. This data breach is ruining my chances of ever owning a home or making large life purchases and its not only one card or one loan its multiple accounts please help.
Product: Credit card or prepaid card

This is a bait and switch complaint. 
I am writing to request Barclay 's and XXXX XXXX   honor their joint offer and post XXXX reward miles to my account. In XX/XX/XXXX, I applied for the Barclay 's XXXX XXXX XXXX XXXX Mastercard on an international flight. The flight attendant enthusiastically described how easy it was to take advantage of the XXXX bonus miles, " Just make a purchase, any purchase, within three months. It could be a pack of gum! '' She made it clear that there was a {$95.00} annual fee and the brochure also made that clear. What was not clear, either in the airlines ' presentation or on the brochure/application, was that the {$95.00} fee needed to be paid in the first 90 days. 
Here are the facts of my complaint. As soon as I received the card, I made a charge on XX/XX/XXXX of {$140.00}. I could have paid it in full as I normally do, but opted for the monthly minimum payment so the card would show activity and that I was paying interest in good faith. I figured it would take several weeks for the miles to post. I called the XXXX  number twice in early XXXX to follow up on when the miles would post. I was told each time that it takes a while and to be patient. In XXXX I called again and was directed to Barclay 's to inquire. On XX/XX/XXXX, I called Barclay 's and was told that the {$95.00} annual fee needed to be paid within the first three months. I had paid three {$27.00} payments totaling {$81.00}, so was {$14.00} short of the {$95.00}. I opened a case with XXXX, # XXXX.I contacted XXXX XXXX about their joint offer with Barclay 's , but they said they are not responsible. I pulled out the brochure I'd received believing I had carefully read the stipulations. 
This complaint is for bait and switch because there are several stipulations highlighted and footnoted on the first five pages of the brochure, at least three of them relating to the {$95.00} fee, but it is not made clear that {$95.00} must be paid in the first 90 days. I received a letter dated XX/XX/XXXX from Barclay 's stating they are unable to assist with my complaint. This response is unacceptable, so I am following up with the CFPB, the Delaware AG office and the XXXX XXXX XXXX I trust organizations like Barclay 's and XXXX XXXX to participate in good-faith advertising and not traffic in misleading promotions. What happened here may be legal, but violates the spirit of the law. 
Attachments Include : a copy of the brochure/application received in flight, copies of my statements, and the letter received from Barclay 's.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX  Reported balance- {$2800.00} 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 6802- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting

I get an account report with XXXX, XXXX and Experian showing open and supposed to show closed as he was paid off completely. I request this account to be closed immediately and be reported to all credits bureaus in the 5 days turn around
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent correspondence to each bureau on XX/XX/21 disputing inaccurate items and as of today over 50 days later I have not received a response notifying me of the investigation. I feel like I'm on a hamster wheel disputing this inaccurate information. In researching how these inaccurate items appeared on my report I discover my information was impacted by the XXXX  data breach. Now more than ever I feel my information has got into the wrong hands. I also researched it is illegal by US law inaccurate items be deleted. Your assistance is greatly appreciated
Product: Money transfer, virtual currency, or money service

I Am Filing A Complaint Against Cash App, ( Block , Inc ) Due To Inadequate Customer Services And Unfair Practices, Which Violates The Consumer Financial Protection Act ( CFPA ). Specifically Cash App Failed To Take Timely & Effective Measures To Prevent And Address Fraud On Their Platform, Leaving My Account Vulnerable & Unprotected. Furthermore, Their Dispute Resolution Process Was Unfair And Deceptive, As They Did Not Comply With Error Resolution Requirements Under The Electronic Fund Transfer Act ( EFTA ) And Regulation E. These Actions Have Cause Significant Inconvenience And Financial Lost And I Seek Appropriate Redress For These Violations.
Product: Mortgage

XXXX 2015 I changed insurance co. I sent the refund I received from the old insurance co. to seterus. It should have been applied to my escrow, but was applied to the principle instead. I made my XXXX payment and for some reason that payment was put in suspense. My payments each month have all been jacked up ever since. I have called seterus I do n't know how many times trying to get this straightened out. I was told by more than one representative that they could see some crazy things going on and that I needed to send a letter to their correspondence department. On XX/XX/XXXX,2015, I sent a letter along with all statements that they have been sending me, a copy of my bank account showing where the payments were taken out of my bank and a copy of the newest ammitorization sheet ( which shows I might add that I have a surplus in my escrow account and am owed a refund of approximately {$1700.00}. ) All I have heard back from them was that they received my packet and were going to examine it. I am also set up for auto-pay in their system and since they have an issue with some of my payments being placed in suspense, the auto-pay is not taking my payments out. I was told by several different representatives that they would waive any late charges and the charges for paying by phone, since it was not my fault that auto-pay was not working. I have made each months payments and am not behind or late on any payments, plus they owe me a refund. Meanwhile I 've been receiving phone calls from them wanting payments that I have already made. I have documentation to prove all this, but it is in paper form and I would have to copy it and send it to you by mail.