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

In XXXX of 2016 I bought a used car at a dealership via an auto loan for consumers with less than perfect credit from Credit Acceptance Corporation. The car was a lemon & the dealership wouldn't do anything about it so I refused to keep paying for a car that wasn't even in working order. I called the loan company & explained the situation to them & they also refused to help in any way. Months after they repossessed the vehicle they took money out of my mother 's bank account. I was on the account due to her being ill & in a XXXX home. The money they took wasn't even mine & it caused a payment for rent at my mom 's XXXX home to be declined. This caused the XXXX home to report me as misusing elder funds & I was investigated by the state for their report. The state found that I wasn't misusing her funds but it was unsettling to be accused of something like that.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 c-2 Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information 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 by such agency of- The CFPB said an employee forwarded the personal information of more than a quarter-million consumers to a personal email account, an incident that the bureau described as a major breach. 

Equifax has had a breach all the people set in place to keep to gate keep has failed to protect consumers leaving us exposed for identity theft.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. 
- Incorrect Name # XXXX : XXXXXXXX XXXX XXXXXXXX - Incorrect Name # XXXX : XXXX, XXXX, A - Incorrect Name # XXXX : XXXX XXXX - Correct Name : XXXX XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 



XXXX. Outdated Address : - Incorrect Address # XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Incorrect Address # XXXX : XXXX XXXX XXXX XXXX XXXX, IL XXXX My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. Wrong Date of Birth : none My Date of Birth is : XX/XX/XXXX XXXX. Wrong Employers : - Wrong Employers XXXX XXXX XXXX XXXX XXXXXXXX My employers is : XXXX XXXX XXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit card

My credit report shows that an account was opened around XX/XX/2019 for the amount of {$920.00} without my consent.
Product: Credit reporting or other personal consumer reports

I received an alert from XXXX credit reporting company that an unauthorized and unsecured loan was taken out in my name at Affirm , Inc. with an address of XXXX XXXX XXXX FL XXXX, XXXX XXXX CA XXXX on XX/XX/year> for {$150.00}. It is a 6 month installment loan and the only partial account number they provided was XXXX... 
I have no reason to deal with this company and never authorized any type of loan with them. No one I know is authorized to utilize my name or personal information to secure a loan.
Product: Debt collection

Upon the request for the cancellation of my familys auto insurance with XXXX insurance company, they initially told us that we were supposed to get a partial refund for the years of service with them which is customary among most insurance companies. And yet all of a sudden they changed their story by falsely claiming that my sister and I allegedly owed an unpaid debt through the use of a collections agency by the name of Credit Collection Services.
Product: Credit card

Hello, on XX/XX/2015 I contacted XXXX to talk to the professional about fitness equipment. I was on the phone with the Company rep for 45 min going over my needs. I was approved instantly from PayPal credit. I ordered all : delivery, assembly, ect. I received the wrong product. Contacted XXXX as they credited my PayPal acct. on XXXX/XXXX/15 just for the equipment. I started contacting PayPal explaining that XXXX can not charge me {$240.00} for assembly, for the product that I do n't have. PayPal is stating, that XXXX is charging me restocking fee. I have faxed PayPal dispute form with proofs of email correspondence with XXXX. I have explain PayPal that my emails states charge for assembly of elliptical and PayPal have this charge as restocking fee. This completely contradicts this charge. PayPal answer is '' There is nothing we can do '' You are responsible for the restocking fee. I spoke to a few supervisors XXXX XXXX, XXXX XXXX ( no last name allowed to be given ) explaining that, they are my credit card company and they should protect me. Every phone call i make to PayPal they are telling me to call XXXX. I have faxed to PayPal XXXX return policy, assembly policy. It does not specify anywhere about assembly charge to be paid by consumer if the product is returned. I have stated to PayPal that I can not be responsible for assembly of the product that I do n't have. I have asked PayPal to provide me with the email of their CEO XXXX XXXX. I could n't get it due to confidentiality. I have never had this kind of arrogance from the Company that should protect me as their customer. I have send them all proofs and they keep telling me different stories. For the last 2 weeks PayPal had {$240.00} restocking fee. I have called XXXX today XXXX/XXXX/15 asking how much do they charge for restocking which is XXXX. I called back PayPal explaining them that. Supervisor XXXX now states that I 'm being charged {$240.00} for restocking fee and may be assembly fee. Now it is different story from PayPal after I called XXXX. I have never had any problems with any other Bank or Credit Card Co. Having perfect credit score, I will not except this kind of unprofessional behavior from PayPal . I spend days and hours trying to resolve this issue with XXXX. But the worst part of all, I as a customer of PAYPAL can not be protected. Above all, PayPal is charging me late fee while Im in the dispute with XXXX.
Product: Credit card or prepaid card

When I had gotten this card, I was in a relationship with someone named XXXX XXXX, He was from Virginia. There was a few instances, When my mother or i were not around, he would sneak our credit cards and use them to purchase video games, or even additions to mobile app games like XXXX XXXX, or desktop games like XXXX XXXX XXXX. I had paid my mom back for the {$300.00} he used her card for. However about half a year down the road when i went to work ( Worked at XXXX for the summer of i believe it was XXXX ), He went and used my Capital One card, and maxed out all of the {$300.00} limit on it, When i advised the company it was not me, they simply said it was " my fault '' and that i can not do anything to dispute the purchases, the only reason I did not do anything about it back then is i was in my early XXXX, How could I know where to start? However I am now in my XXXX and recently found out I can submit complaints about these transactions. Over time the amount due has risen to {$460.00} under the last 4 of the account number of XXXX for XXXX Capital ONE bank USA N A. I have talked to them multiple times but they still said it was my fault, and that I need to pay it. I am now XXXX, Looking to get married to my fiancee, and buy our own house. This is dragging my credit down so far because the company will not listen to my story. I need this fixed so I can support my family.
Product: Credit card

On XX/XX/XXXX I applied for an " Amex XXXX Credit Card '' through the American Express website. American Express 's automated system then pulled my " XXXX credit report and automatically declined me due to a " low credit score. '' I have been trying to get a live " human '' credit analyst to review this application with me, as I was unaware Amex would be pulling " solely '' from XXXX which has a score of XXXX XXXX My XXXX is XXXX and my XXXX is XXXX XXXX, but unfortunately no one has contacted me from Amex at this point. Quite a few years ago, I unfortunately defaulted on a student loan that I did not have the ability to pay back at that time. However I got back on track, and paid off the loan in full, so there is no longer any outstanding debt, and despite it being paid off in full, that XXXX incident will remain on my record until XX/XX/XXXX I have a credit card with both XXXX for {$3000.00} and XXXX XXXX for {$2000.00} that have been paid in full each month, as well as {$1200.00} in savings. I was hoping to finally join the American Express family, and would really like to speak to someone from the " executive office '' of Amex to reconsider my application. I 'm willing to prove my " creditworthyness '' to Amex, so I ask that they just approve me for the amount that is currently in my savings account right now XXXX {$1200.00} XXXX and let me earn their trust. I have always loved Amex and everyone in my family is a member of Amex, so I would like to finally have the opportunity to do so myself. Thank You.
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightened my concern regarding the security and handling of my personal information.
Product: Debt collection

On XX/XX/XXXX I XXXXXXXX XXXX XXXXXXXX the consumer and creditor went to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX to complete a consumer credit transaction for a new vehicle for personal use. XXXX XXXX in XXXX with Santander Consumer USA violated 15 U.S.C 1692j ( a ) and 15 U.S.C 1692j ( b ) regarding the agreement. Additionally, Santander Consumer USA violated 15 U.S.C 1692e ( 11 ). Pursuant to 15 U.S.C 1602i and 15 U.S.C 1691a ( e ) Neither XXXX XXXX nor Santander Consumer USA are creditors. The agreement states XXXX XXXX XXXX XXXX was giving a security interest in a new XXXX XXXX XXXX. 12 CFR 1026.2 ( a ) ( 25 ) TILA Regulation Z states security interest secured payment or performance of any obligation. I received a communication from Santander Consumer USA dated XX/XX/XXXX titled NOTICE OF RIGHT TO CURE DEFAULT REQUIREMENT OF STRICT COMPLIANCE. This notice was in violation of 15 U.S.C 1681 ( b ), 15 U.S.C 1692b ( 2 ), 15 U.S.C 1692b ( 3 ), 15 U.S.C 1692b ( 5 ), 15 U.S.C 1692b ( 5 ), 15 U.S.C 1692c ( a ), 15 U.S.C 1692d ( 4 ), 15 U.S.C 1692d ( 5 ), 15 U.S.C 1692e ( 2 ) ( A ), 15 U.S.C 1692e ( 4 ), 15 U.S.C 1692e ( 5 ), 15 U.S.C 1692e ( 8 ), 15 U.S.C 1692e ( 10 ), 15 U.S.C 1692e ( 11 ), 15 U.S.C 1692f ( 6 ) ( A ), 15 U.S.C 1692f ( 6 ) ( C ), 15 U.S.C 1692f ( 8 ), 15 U.S.C 1692g ( a ) ( 1 ), 15 U.S.C 1692g ( a ) ( 2 ), 15 U.S.C 1692g ( a ) ( 3 ), 15 U.S.C 1692g ( a ) ( 4 ), and 15 U.S.C 1692g ( a ) ( 5 ). I understand my ignorance of the law at the time allowed Santander Consumer USA to secure 50 % of the security interest with the State of Florida, however that doesnt constitute the fraud and theft committed by Santander Consumer USA. On XX/XX/XXXX Santander Consumer USA sent an unauthorized third party who had no connection on signature on the agreement to steal the XXXX XXXX XXXX. This action was in clear violation of 15 U.S.C 1681 ( a ) ( 4 ), 15 U.S.C 1681 ( b ), 15 U.S.C 1692e ( 4 ), 15 U.S.C 1692e ( 5 ), 15 U.S.C 1692e ( 8 ), 15 U.S.C 1692e ( 10 ), 15 U.S.C 1692e ( 11 ), 15 U.S.C 1692f ( 6 ) ( A ), and 15 U.S.C 1692f ( 6 ) ( C ). After the theft I again received communication from Santander Consumer USA dated XX/XX/XXXX titled NOTICE OF OUR PLAN TO SELL PROPERTY. This notice was in violation of 15 U.S.C 1681 ( b ), 15 U.S.C 1692b ( 3 ), 15 U.S.C 1692b ( 5 ), 15 U.S.C 1692b ( 5 ), 15 U.S.C 1692c ( a ), 15 U.S.C 1692c ( a ) ( 1 ), 15 U.S.C 1692d ( 4 ), 15 U.S.C 1692d ( 5 ), 15 U.S.C 1692e ( 2 ) ( A ), 15 U.S.C 1692e ( 4 ), 15 U.S.C 1692e ( 5 ), 15 U.S.C 1692e ( 6 ) ( A ), 15 U.S.C 1692e ( 10 ), 15 U.S.C 1692e ( 11 ), 15 U.S.C 1692f ( 1 ), 15 U.S.C 1692f ( 6 ) ( A ), 15 U.S.C 1692f ( 8 ), and furthermore proves theft. Lastly Santander Consumer USA sent another communication dated XX/XX/XXXX and titled CALCULATION OF SURPLUS OR DEFICIENCY. This correspondence was in violation of 15 U.S.C 1681 ( b ), 15 U.S.C 1692b ( 3 ), 15 U.S.C 1692b ( 5 ), 15 U.S.C 1692c ( a ), 15 U.S.C 1692c ( a ) ( 1 ), 15 U.S.C 1692c ( b ), 15 U.S.C 1692e ( 2 ) ( A ), 15 U.S.C 1692e ( 8 ), 15 U.S.C 1692e ( 10 ), 15 U.S.C 1692f ( 1 ), and 15 U.S.C 1692f ( 8 ).
Product: Credit reporting

Transunion is reporting acollection from   XXXX   #  XXXX , shows the original creditor as  XXXX   XXXX   . I  have not has  XXXX   XXXX  in ove r 10  yrs
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a written account dispute claim with Experian that was processed on XX/XX/2020. The claim was for an account I did not recognize and requested the lender and the debt collector provide verification documents regarding an account with XXXX XXXX XXXX/XXXX XXXX, XXXX debt collector. I also sent a written notice to the lender and the debt collector requesting verification documents. I received my latest credit report today XX/XX/2020 from Experian and the account in question is still listed. Subsequently, I immediately checked the status of my dispute with Experian to see what the results, if any, had been provided. According to the Experian dispute center this account is STILL under investigation. It has now been 35 days since the dispute was filed and verification documents were requested. According to the Federal Trade commission guidelines set forth in the FCRA the investigation is required to be completed within 30 days. Also, the information is to be blocked during the time of the investigation. As this is day 35 of the documented start date of the dispute, all parties involved, Experian, the lender and the debt collector are in violation of the statute. I have not received any documentation validating the accouts, I have not received any correspondence whatsoever from anyone regarding this dispute. The fraudulent account to this day remains on my credit report and has been cited by several lenders as reason that I was denied credit. I expect Experian, the lender and the debt collector to immediately stop furnishing information on this account and since the time allotted for such as dispute is far past the 30 day mark, this is a direct violation of the FCRA and it is my sincerest hope this complaint will result in the removal of the account from my credit report immediately thus preventing a court ruling to remove the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified letter to Equifax disputing the accuracy of account XXXX  XXXX # XXXX and indicated to them I had no knowledge of this account. I asked for the removal of the account since I did not recognize it. I also disputed the accuracy of account XXXX XXXX # XXXX since it is inaccurately reporting. This account is showing a Date Last Active of XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX shows a date of XX/XX/XXXX. How can this information be different when it is being provided by the same lender/creditor/collection agency ? Lastly, I disputed the accuracy of account XXXX XXXX  # XXXX I asked them for verification that this account was mine. Additionally, the account is showing a Date Last Active of XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. This violates the FCRA since all credit reporting agencies must report only accurate and factual information. Furthermore, Equifax has violated my consumer rights by not conducting a proper investigation and getting back to me within 30 days. Please see attached tracking information showing date certified letter was sent and received. They received the letter on XX/XX/XXXX at XXXX am. Today is XX/XX/XXXX and have yet to get their response. I ask that all disputed items be removed from my credit file immediately as a result of this violation. Furthermore, I am also attaching my identity theft report which includes the disputed account from XXXX XXXX XXXXXXXX XXXX  which is a result of fraud since I did no authorize such account.
Product: Debt collection

On XX/XX/2020 I submitted a request for debt validation to Portfolio Recovery Associates in accordance with FCRA regulations. Portfolio Recovery Associates failed to provide the necessary and required documentation to validate this debt, yet they failed to remove this derogatory mark from my credit reports as required by FCRA regulations.
Product: Money transfer, virtual currency, or money service

I would like to appeal permanent limitation on my personal paypal account. I haven't violated any severe of their policies, yet I have been placed with a direct permanent restriction.
Product: Checking or savings account

On XX/XX/XXXX, I discovered that my checking and savings accounts had been hacked. The hackers also transferred {$3000.00} from my US Bank credit cards into my saving account, and also withdrew that money. The total amount stolen was approximately {$6000.00}. I notified the bank immediately on XX/XX/XXXX that my account had been hacked. Two days later, the bank declined the request to put the stolen money back into my account and accused me of stealing the money. They said the hack was done from one of my devices. This accusation would be impossible, I was home alone that day and my devices were with me. I'm on Social Security and the money that was stolen is all the money I have to live on. I have been with US Bank for over 15 years and nothing like this has happened.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> after failed attempts to rectify the issue with oneMain Financial ( XXXX ) card, I filed a complaint through CFPB. Through the resolution process, OneMain agreed to close the account, remove any charges that they had attempted to collect, and correct credit bureau reporting showing that i was delinquent/90 days past due. 

They had fixed one of three bureaus only. The other two ( XXXX & XXXX ) were still showing delinquent as of last week. I attempted to file a new complaint, but after checking here it did not process. As of today, OneMain has now gone back to showing 90 days late on all three bureaus. My ask is that they correct the reporting to show paid as agreed, closed by consumer, and NO LATE reporting ( as they had previously agreed to do ).
Product: Debt collection

Contract Callers INC opened on XX/XX/XXXX, amounting to {$620.00}, and was reported into collections. 
The XXXX XXXX XXXX opened on XX/XX/XXXX, for {$670.00}, which was reported into collections. 
XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, amount {$730.00} and was reported into collections. 
XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, amount {$970.00} and reported into collections. 
XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, amount {$980.00} and reported into collections. 
XXXX XXXX XXXX opened on XX/XX/XXXX, amount {$990.00} and reported into collections.
Product: Bank account or service

Bank with Wells Fargo opportunity checking account # XXXX. I received my social security XXXX award of {$1900.00} a month wanted to change my account to a regular account they refused my car was broken into and my XXXX letter was stolen and {$200.00} my tithe money i bought things from XXXX i also filed a report with shiriff 's for the theft of items in my car the day of incident i applied for loans from XXXX and with XXXX XXXX XXXX I opened an account with XXXX XXXX XXXX. setup to change my direct deposit to XXXX XXXX XXXX. I Closed my account with Wells Fargo they close my account and give me {$700.00} when I had {$760.00} I deposit the {$700.00} dollars in XXXX XXXX XXXX. iget denied for loans because Wells Fargo illegaly closed my account without giving me all my money they then destroy my relief of debt I am entitled to under XXXX law. I have yet to receive my {$64.00} from them my account was closed XX/XX/XXXX but I do n't have the rest of my money and they destroyed my credit also I am now have to hire a credit repair lawyer to fix my credit because bankruptcy i ca n't file because I filed XX/XX/XXXX. What can you do to Wells Fargo for their illegal actions. I am now having problems with returning items to XXXX purchased with my wells fargo account which is closed so that money is in limbo now. Thanks XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXXXXXX
Product: Student loan

MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUEST.
Product: Credit card or prepaid card

I previously disputed an erroneous charge from XXXX XXXX on Date XX/XX/XXXX {$1000.00}. I provided documentation from the merchant stating they would correct these massive billing errors made by mistake. Citi failed to provide documentation from the merchant and only sent letters stating the following : We previously credited your account for this charge. The merchant will not honor our request for credit based on the information you provided us. 
Every effort has been made to secure credit for your account. Since we are unable to obtain compensation from the merchant, your account has been rebilled. 
This is not the process outlined in the XXXX dispute resolution guide. Especially since I provided ample documentation from the merchant including one of their vice presidents apologizing for the error. Yet, no valid reason for the charge was provided by CITI, nor were any merchant responses. CITI claims they provided a merchant response at one point, but that letter does not show up in the center of my document as I am set up for paperless documents. I notified CITI of the errors in not receiving documents, provided screenshots showing the documents in my account as they stated. Citi in turn opened up a trouble ticket and letters began to start being available from that moment forward. To date, I still have yet to receive any other documentation from CITI regarding this charge, with the exception of a letter dated XX/XX/XXXX, which was a debit/credit audit that states the details of the audit are attached. However, there is no attachment. 
The letter further makes the claim that from the XX/XX/XXXX statement through XX/XX/XXXX statement my card was only billed {$480.00}. This is a clear error as the running ledger for this period shows total charges of {$16000.00} and total credits of {$4800.00}, with a total billed amount of {$12000.00}. This represents an overbilling of {$11000.00} from this merchant based off the results of the audit CITI claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still showing that my employer is " XXXX '', which besides being wrong, is discriminatory and illegal.