23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XXXX I took out a loan with this company in the amount of {$XXXX}. They led me to believe that I would be making a monthly payment not every payday. They also did not provide the APR rate to me which turned out to be XXXX. This in itself is outrageous. But what really set me off was when I called customer service and spoke with XXXX on XXXX, simply asking what my account number was ( which was not anywhere on my online account either ) was told after being on hold for a very long time that they were unable to provide me with this information. What legitimate company can not provide you with your account number?
Product: Credit reporting or other personal consumer reports

This complaint addresses ongoing violations of the Identity Theft and Assumption Deterrence Act, the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), the Gramm-Leach-Bliley Act ( GLBA ), and relevant Texas statutes. Companies are failing to safeguard personal data, resulting in unauthorized use of identifying information. These breaches directly violate federal and state laws designed to protect consumers from identity theft. The companies ' inadequate security measures, failure to place fraud alerts, and improper information sharing practices demand immediate investigation and enforcement of penalties as outlined in these laws. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX FCRA XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Filed ( XXXX XXXX ). FCRA Section 605 ( c )
Product: Checking or savings account

When I opened the Business account for Wells Fargo, They said there would be no monthly service fees, because I had other accounts with balances. They have been taking money out of account for last 7 months unbeknownst to me.
Product: Checking or savings account

I went to atm on XX/XX/XXXX and had a cash deposit of XXXX XXXX dollars bills. When I deposited the cash into the slot the atm only counted XXXX for XXXX dollars and spit out XXXX XXXX dollar bill back. So I confirmed the XXXX dollars and proceeded to deposit the remaining XXXX dollars. The atm grabbed the XXXX dollars cash and then had me confirm the amount of XXXX. I confirmed the deposit of XXXX and I waited for the receipt. No receipt generated for me so I tried to print receipt on the atm machine and the ATM machine shuts down and shows on the screen OUT OF ORDER. I called the bank the next morning and explained what happened to me. The agent took my information and he filed a claim dispute and told me that I didnt need to worry because they will take care of this. I told him that Wells Fargo needs to obtain the security cameras to verify that I made the second deposit of XXXX XXXX dollars and they would also see that the atm machine spit out XXXX XXXX dollar bills back. So I hadnt heard from the claims department after 10 days being XX/XX/XXXX XXXX.I called them and was told that it was still being processed. 
I recieved a letter two days ago Saturday, XX/XX/XXXX stating that the since the original credit was correct, on XX/XX/XXXX, we will deduct the temporary credit of {$300.00} provided to you earlier on XX/XX/XXXXXXXX  When you make a deposit at a Wells Fargo ATM, you are prompted to confirm the amount and a receipt is then generated. We recommend you keep the receipt until you see that the deposit has correctly posted to your account. 
Now I have been banking with Wells Fargo for over four decades now and I believe I know how to make a deposit. I was furious that they were so callous and rude to print something that apathetic to a loyal customer insinuating that I do not know how to deposit money. Plus I just received this letter in XXXX when I deposited the money back in XX/XX/XXXX. 
I immediately called the claims department on Monday XX/XX/XXXXXXXX  and I was told that they had someone come out to check the machine and it was working just fine and that this case is now closed. So Wells Fargo has my {$300.00} dollars and basically is saying that I am dishonest and a liar and they never checked the cameras to verify my claim and my name. 
Can you please help me get this resolved and have the claims department take a course in the customer is a very important part of their banking business. 

Thank you so much for the platform to speak out when an injustices happens with peoples rights to earn a living wage only to be told that they are keeping the money. 

XXXX XXXX
Product: Debt collection

I was contacted by XXXX XXXX XXXX XXXX XXXX and PCA Acquisitions V , LLC stating I owed an alleged debt, I have disputed the validity of the alleged obligation requesting verification however it was not provided. I deny any and all Alleged obligations. Pursuant to Fair Debt Collection Practices Act I have been violated numerous times. 
Attachments have been provided for further details
Product: Credit reporting or other personal consumer reports

I am trying to purchase a house for my family. I never saw my credit report before. I was told to download my credit report. When I saw my report, I was shocked to see so many fraudulent accounts and incorrect information.
Product: Credit reporting or other personal consumer reports

" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, has violated my rights.

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

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

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and Happy Monday. I thank you for having a look at my dispute. Its going on the 3rd month that I have been trying to get these companies to validate debt as in mine. I have not received any correspondence to the companies about this matter other than a request for my id and social from XXXX and transunion
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : 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. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Consumer Loan

I had originally requested an investigation of XXXX XXXX in regards to their illegal vehicle repossession. Now moving forward and struggling to recover from their deceptive tactics, I had requested for Larry H Miller XXXX XXXX to send the original signing of the credit pull they had done before signing any agreement with them. In doing this I noticed that they had doubled my income on the statement. This I was unaware of at time of signing. I was making roughly XXXX biweekly at the time, I noticed they had filled in XXXX biweekly. This allowed them to grant me the unfair loan they had issued.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , Inc ) due to inadequate customer service and unfair practices, which violate the costumer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent address fraud on thier platform leaving my account vulnerable and unprocted. Furthermore, thier dispute resolution process was unfair and deceptive, as they did not comply with error requirements under the electronic fund transfer act ( EFTA ) and Regulation E .these actions have cause ld significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Mortgage

Please see prior Case number : XXXX whereby we had problems with PNC and their insurance representatives not knowing what they are doing. I have faxed the appropriate documentation to the insurance fax line and waited for a response. When I did not get a response, I submitted an email to XXXX XXXX from PNC who handled last year 's complaint. As of this date, I have not gotten any response as to why we are continuously harassed about insurance coverage that has remained in effect since the day we purchased the townhouse 10 years ago! On XXXX/XXXX/XXXX we received a letter from PNC that they need our flood insurance info ( of course this was sent by the insurance company but notice the renewal date is XXXX XXXX, so how is it that they are looking to have received a renewal policy and written a letter to me within 24 hours? I of course faxed that info on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX they respond 'thank you. '' On XXXX/XXXX/XXXX I received a nasty gram that PNC is now looking for my condo coverage which I faxed, but also called and spoke with XXXX letting her know that PNC has no need for this policy as they made me buy an XXXX and that policy is in effect until XXXX XXXX. She said the XXXX was n't necessary and even offered to send me a letter to that effect. See letter from PNC dated XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I received yet another letter from PNC contradicting what I was told and said that they will buy insurance as there is no coverage. My insurance company has sent all materials on a timely basis and PNC claims they never get them, I have the wrong coverage, etc. I faxed the material described above and have not heard back from PNC as of this date so there must be a black hole where all PNC mail ends up! In addition, there is not one insurance representative that knows what is going on. Note on each paper the name and extension of the person I spoke to. The only thing I did not ask was whether this representative worked in the FL or OH call centers. We have already cancelled insurance escrow from the last complaint because PNC cant get it right so now what can I do to stop this harassment? I would like the Consumer Financial Bureau to determine what recourse I have against this mortgage company and wish for these complaints to be published as I have already notified our HOA for any other mortgagees that are having the same issue.
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 accounts 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 ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$280.00} XXXX   XXXX {$26.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$230.00} XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$95.00} XXXX XXXX XXXX XXXX {$5000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed a credit freeze with all three major US credit bureaus ( Equifax, XXXX, XXXX  ) I've received a PIN to unfreeze my credit from each of them.

Since freezing my credit, they've deprecated the temporary unfreeze process using the PIN I received. In each case, I must sign up for an account with the provider.

XXXX  worked mostly fine.

Equifax and XXXX  both have broken account management flows, requiring that I call customer support. Customer support is entirely automated and does not address the problem. It took me a little over 2 hours to call these two agencies and be directed in circles before I gave up. I am not able to unfreeze my credit, despite having access to all of my own information, as well as the PIN they gave me. 

These bureaus should not be the stewards of Americans ' credit. They're far from secure, they're maddening and infuriating to work with, and the way they change credit score calculation algorithms serves to benefit only the agencies, and not creditors or the American public. 

As an aside, the Equifax breach settlement was a joke. 

It's absurd that I'm forced to manage accounts that I have not signed up for and have no control over. There is no free market at play here, I can't choose not to use these agencies. I can't even choose to use only one of them, I'm forced to manage three accounts I never wanted. Companies should not be able to build shadow profiles and collect information without consent like this.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ( XXXX ) ACCOUNT # XXXX Original creditor : XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 A.

STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Debt collection

My complaint is against XXXX XXXX. They repossess my car after being late approximately 70 days past due. I had spoken to several representatives in order to work out payment options. 8 had been previously laid off and have been playing catch up since recently being employed. 

I immediately contacted GM Financial on the day they repossess my car on XX/XX/13 and made a payment in full for the balance. In spite this fact, FM Financial has reported a repossession with all three credit beareaus.
Product: Checking or savings account

XX/XX/2020 at XXXX XXXX  I called USAA Bank to file a claim on an unauthorized transaction using my debit card that posted on XX/XX/XXXX for {$71.00}. I already canceled my debit card. Got a credit while claim is in process. 
XX/XX/2020 XXXX XXXX   Got a call from a representative of USAA asking me what happened with that transaction. After explaining I was told it was filed as a dispute claim should had been a fraud claim. I told her I just called in and representative filed the claim I have no idea was the wrong one. She said credit will be reversed and I should see another credit under fraud instead by XXXX XXXX Credit was taken back on XXXX XXXX 2020. No credit was reissued. 
XX/XX/2020 XXXX XXXX  Called to asked about status of claim. Was told I should had the credit already. Representative review acct and said could see notes. To give 3 to 5 business days and I should see credit. 
XX/XX/2020 XXXX XXXX  Called again to check on status and credit. Representative said she can see notes. Put a work order to get credit should take 7 to 10 business days. 
Absolutely unacceptable is I have to keep waiting and calling after a month of calls going back and forth and this is not free money. Hard earned money not XXXX cents or XXXX dollars but {$71.00} that I could pay a bill with. Besides another issue that havenr been resolved either. I cant access my insurance yo make payments this has been going on since XXXX. No resolution either and here I am can't make my payment. Already missed a payment arrangement because of this on my car insurance. I dont like to give my card or acct info on a call to a person. I prefer doing it thru website of the bank. I cant even use bill pay option either. Again another issued mentioned on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and still nobody knows why.
Product: Credit card or prepaid card

I purchased a prepaid hotel room from an Indian company named XXXX. They pre sell rooms on the condition that they are inhabitable by the hotel that has a deal with them. 
When I showed up at the XXXX XXXX and went into the room, i had such a violent reaction that I needed to leave the premise, seek medical treatment at a nearby XXXX, and was unable to stay in the room unless I wanted to die. XXXX violated the warrany clause in our agreement. They had an obligation to provide inhabitable accomodation which they did not. See the agreement gets tricky bc they are not a US company and they dont own the hotel rooms they are brokering out. If the warranty or claim that I will be given a hotel room that wont kill me due to some pesticide or insecticide being sprayed in the room is not fufilled then there is a breach of contract. 
I spent 3 nights paying for another hotel and provided Chase with a detailed summary of the matter, how I became violently ill and was unable to stay in the hotel and that the hotel agreed to refund my money. However since XXXX was the payment processor they received the refund. Chase did not bother to ask them about this and just sent my claim to someone in India who doesnt understand US law nor had any iinterest in finding the truth. Notwithstanding the XXXX loss i suffered as a result of this fraudulent conveyance Chase was provided with extensive documentation and a detailed explanation as to why the contract was breached and why I was owed my money. This does not include the over XXXX i had to pay for another hotel room by XXXX bc i could not stay at the XXXX XXXX. 
I am entiteld to have my money refunded as i was not given a room that i paid for. Am seeking the refund of my monies or i will pursue a case in small claims court. This is about integrity, respect for the law, and fairness. 
Chase contractors in India ( maybe they are friends with the scammers at XXXX XXXX who are also in India ) should not be working on claims involving US transactions where there is a dispute in law and violation of the FCRA.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I received a call, the caller ID came up as Wells Fargo. The person identified himself as XXXX XXXX, XXXX XXXX XXXX He asked if I had made two separate purchases in the state of Florida? I replied that I hadn't. He asked if I knew a XXXX XXXX or XXXX XXXX? I replied that I didn't know either of these people. He told me that they had transferred {$6700.00} from my checking account. He walked me through the steps to get the money transferred back to my account. Believing I was talking to a Wells Fargo agent I did what he told me to do. The next morning I went online to look at my account and that's when I realized that I had been scammed. I immediately went to my nearest Wells Fargo bank and reported what had happened. They said they would investigate the incident. Within ten days I received a letter from Wells Fargo stating that I was at fault and I wouldn't be reimbursed. Since I had never made a money transfer through their system I think the bank should have alerted me before they sent the transfer. Also, I was always under the impression that my money was insured. I still am suspicious and think it may have been a Wells Fargo employee that scammed me.
Product: Debt collection

I dont know this company. I have never had a relationship with this company. This debt is not mine. The company has failed to provide me with any contract bearing my signature per my request. 

All they did was send me a detailed bill & a contract that does not have my signature. I requested the original contract bearing my signature. They have failed to do so. The signature on the contract does not belong to me. Ive already filed an identity theft report. This must be fraud because the contract does not have my signature They are continuing to violate my rights under the FCRA. I have been denied credit because of this.
Product: Credit reporting or other personal consumer reports

I have filed disputes with all three credit bureaus about a bankruptcy on my file. The response has only been that it is factual which it is not. XXXX of the inaccuracies is the date it was filed. Another thing is that XXXX of the debts i included In my bankruptcy is still being reported which is showing late/or missed payments. Which is effecting my score negatively even after the bankruptcy. There has been no proof only stating the information is verified by XXXX. Which they have responded my information is suppressed and has not been shared. I also have a court document stating they have not shared any information with bureaus which verifies no research has been made. Its false information and can not be proved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the account that are reported on my Credit Reports : XXXX XXXX Balance Owed : {$15000.00} Date Opened : XX/XX/2019