23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied in good faith for a credit card with Discover in XXXX. I was denied my own account because of an account my husband has opened under his name. 
I believe this is in violation of the Fair Credit Opportunity Act.

1691. Scope of prohibition ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicant 's income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter.

( b ) Activities not constituting discrimination It shall not constitute discrimination for purposes of this subchapter for a creditor ( 1 ) to make an inquiry of marital status if such inquiry is for the purpose of ascertaining the creditor 's rights and remedies applicable to the particular extension of credit and not to discriminate in a determination of credit-worthiness
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent accounts on my transunion, experian, and equifax credit report. US DEPT ED, opened : XXXX, Account number : XXXX, XXXX XXXX, opened : XXXX, Account number XXXX, XXXX, opened XXXX 2023, Account number : XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account Number:XXXX XXXX, XXXX, Account Number:XXXX
Product: Credit reporting or other personal consumer reports

just recently looked at my EXPERIAN consumer report XX/XX/XXXX, XXXX i saw some hard inquiries that did not have permissible purpose. i also attached evidence XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  This inquiry has no permissible purpose to be on my report. Delete this inquiries due to violation of XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed information on all three consumer reports and information such as balances and pass due were updated on these charge/off closed accounts to reflect open and revolving. For example one account mentions an account opening in XX/XX/XXXX but also says first delinquency was in XX/XX/XXXX. This is a complete validation of my rights. As with other accounts there is no payment history and they were able to validate these debts. Nor did I give written consent to any company to use my credit profile or history to report incomplete and inaccurate information to any of the consumer agencies. These following companies violated my rights given to me based on ( FCRA ) 15 U.S.C. 1681. These companies include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My report says I have about XXXX differant XXXX XXXX accounts. Wrong. I payed off, all durfing XXXX. I have XXXX XXXX credit card XXXX. Then We have XXXX that I only use, it is XXXX XXXX XXXX. I had XXXX XXXX XXXX, that is paid off and only XXXX.That is XXXX XXXX-XXXX.It was closed XXXX/XXXX/2015. But my XXXX XXXX shows about XXXX XXXX ones. I do not have one.Maybe sonmeone else is using my name. Please help me.Thank you.
Product: Money transfer, virtual currency, or money service

I purchased a pair of shoes online for {$300.00} via the XXXX app through my banking services with PNC. I received purchase confirmation via email but never received the actual item. I have contacted the merchant with no responses. Now, the fraudulent merchant is continueously withdrawing {$300.00} from my account. 

I have contacted my bank and they have said since I authorized the first payment, there is no buyer protection for me. But why cant they stop the continueous unauthorized withdrawing of funds from my account? I am desperate for a resolution. Is there anything my bank can do for me to provide a courtesy reimbursement of my funds? If not the first authorized payment made by mistake, then at least the charges thereafter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize any of these hard inquires. They aren't attached to any open accounts & are fraudulent. 

XXXX XXXX - XX/XX/XXXX -TransUnion XXXX XXXX XXXX XXXX  - XX/XX/XXXX -XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX, XXXX XXXX - XX/XX/XXXX - XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX TransUnion, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX - XX/XX/XXXX - XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt collection account : Account Name : XXXX XXXX XXXX Account Number : XXXX Original Merchant Balance Amount : unknown Collection Balance : {$8800.00} Original Merchant Name : XXXXXXXX XXXX Being reported to Transunion and XXXX XXXX has been disputed due to inaccuracy in XXXX, XXXX, and XXXX of XXXX, via certified mail with return signature receipt ; and the most recent letter sent out around XX/XX/2022. Each letter included specific instructions and request for the account to be accurately verified and validated as pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ) by providing copies of original contracts and payment agreements with my signature, and a description of their investigation process to include the name and contact information of the person who was spoken to verify the information and the date of which that person was spoken to. My requests also included instructions for the disputed item to be removed from my credit report if such proof of validation could not be provided. Each of my requests were responded to with computer generated response that stated only that the negatively reporting accounted had be 'verified as accurate ', but no proof or validation of the debt has ever been provided per my instructions. 
Validation requests were also sent to the reporting collection agency, XXXX XXXX XXXX and have been ignored with no response.
Product: Credit card or prepaid card

Two months ago i opened XXXX visa card that promise me rewards for usage. They also promise in advertisement that {$20.00} as credit to account will be given to me after i spent {$500.00} within three first months. On their it's always impossible to redeem my rewards ( even look at them ), for two months the site gives you message that there is technical issues ( see screenshot attached ). I called them three times (! ) and through barely heard voices ( this is feature of company to fool clients ) i ordered my rewards ( over {$20.00} ) and {$20.00} promotional to be credited to my account. They promise me that and even ( upon my request ) gave me confirmation number. Since that - my rewards disappeared from my account but never show up in my balance. ( See attachment as of today ). 
I consider such practice of company as a fraud and ask you to force them to fulfill their obligations. I want my {$20.00} promotion and earned rewards to be posted on my account immediately! And this business must be investigated, because one hour of waiting on hold is not right practice for financial related company.
Product: Credit card or prepaid card

I received a targeted ad from Amex on XXXX, which highlighted the welcome offer of XXXX bonus points for the XXXX XXXX card. As the welcome offer was enticing, I clicked on the ad, which took me to the Amex webpage where I could apply for the card by entering in the required personal and credit information. When I completed the application process, I got an instant notification, indicating that I am approved for the card. There was no indication that I wouldn't be qualified for the welcome offer through the entire application process. The card arrived a few days later and I put the card to use immediately as I wanted to meet the spending threshold quickly to qualify for the welcome offer. In addition, I called in Amex several times to ensure that I would be qualified for the welcome offer if I meet the spending threshold and I was assured by the Amex representatives that my account would be credited automatically once I meet the spending threshold.

It wasn't until several days after I met the spending threshold that I realized I wouldn't be qualified for the welcome offer. After meeting the spending threshold I immediately called in Amex to check when I should expect to receive the welcome offer and I was told that the welcome offer is denied due to the history of receiving welcome offers for other Amex cards. I contacted Amex, explained the situation and created an investigation claim. I waited until today and was told that my welcome offer is denied.
Product: Credit card

I have a PayPal credit card. I signed as I am a longtime PayPal customer I have both my XXXX bank an debit card in the PayPal portal. However since having this card I am unable to link it to the credit card service to pay my bill. I dealt with PayPal that sent me to sychrony bank and synchrony bank said its a PayPal issue. I said when I made my last payment with the rep I cant spend hours of customer service calls to pay a bill with an account already linked with PayPal but not able to link it in credit card payment.

So I am past due because of a platform constraint and issue PayPal should resolve. I am not even able to manually enter the routing account number for auto payment it errors in the process.

My credit score has been destroyed and this need led to be resolved I want all late fees reversed, my payment bank which is already in PayPal portal be fixed to be payment option for credit card. I also want all negative removed from all three credit bureaus XXXX, XXXX XXXX XXXX 

I am more than happy to pay if their system and support would correct the issue. This is absolutely absurd a bank I used with PayPal for years prior to settting up this credit card can not link to pay the credit card, PayPal is 100 % culpable and responsible this setup is malicious and predatory on hood consumers willingness to use their services.!
Product: Vehicle loan or lease

I am writing to file a complaint regarding a series of serious issues I have encountered in my interactions with XXXX XXXX, XXXX XXXX XXXX XXXX, and associated repair centers, which have resulted in significant financial and personal losses. 

Issues Encountered : Refusal of Repairs at Licensed Centers : After an accident on XX/XX/2024, I reached out to two licensed XXXX repair centers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX XXXX. In both cases, the damage assessment took an excessive amount of time ( over a week and two weeks, respectively ), and I was then unlawfully refused repairs. Additionally, the second center damaged the vehicle by breaking the driver 's window. 

Delays and Poor-Quality Repairs at XXXX XXXX XXXX XXXX XXXX After being refused service, I turned to XXXX XXXX XXXX XXXX XXXX XXXX the damage assessment and parts delivery were also delayed. When the repairs were finally completed, they were defective. The staff at the XXXX XXXX location in XXXX XXXX also did not have name badges, making it difficult to identify those I was interacting with. 

Significant Delays in XXXX XXXX and Repairs : I expected the entire repair process to take a maximum of XXXX  days, but as of XX/XX/2024, my car is still not ready it has been XXXX  days. XXXX XXXX XXXX XXXX also failed to provide the necessary documents for DMV vehicle registration, resulting in numerous fines for late registration. 

Poor-Quality Repairs and XXXX of a XXXX XXXX : Upon inspecting the repaired vehicle, I found external defects ( photos available ) and was denied a test drive to check for internal issues, which violates my rights. I demand an immediate test drive to identify any possible internal damage. 

Delayed Submission of Documents to XXXX XXXX  : XXXX XXXX XXXX XXXX delayed sending the repair documents to XXXX XXXX  by several weeks, which delayed the processing of my bank check for the repair payment, impacting my financial situation and credit payments. 

XXXX XXXX : Due to these issues, I have lost significant income, losing {$200.00} on weekdays and {$300.00} on weekends. Over XXXX days, my direct and indirect losses amount to between {$11000.00} and {$20000.00}, with these amounts continuing to grow as I remain out of work. Additionally, XXXX fines have reached {$2000.00} as of XX/XX/2024. 

Communication : XXXX XXXX XXXX XXXX has ignored my emails for 10 days. 

Legal Violations : XXXX XXXX XXXX : Violated by providing substandard services and refusing a test drive after repairs. 
XXXX XXXX XXXX : XXXX 's monopolistic control over parts supplies infringes on consumer rights. 
Failure to Provide a Translator : A violation of U.S. law, as I am unable to effectively communicate in English.
Product: Credit reporting or other personal consumer reports

I sent a dispute letter on XX/XX/2024 challenging accounts on my credit report that are inaccurately. I informed Experian that the account information is not correct and somehow, they claimed that it was verified. I do not believe an investigation was done. You have failed to validate this account. Additionally, as per the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsection A-D ), please provide me with the names and business addresses of each individual who verified the following items, so that I can follow up accordingly. If you can not furnish this information, remove the account from my credit report. I attached the dispute letter, which is dated, and time stamped. The following accounts are : XXXX XXXX XXXX XXXX XXXXXXXXXXXX DEPT OF EDUCATIONXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXXXXXX XXXX XXXX a few months after my XXXX birthday, I unknowingly had a credit card opened in my name with XXXX XXXX XXXX. I was unaware of the fact that this happened due to my lack of knowledge on how to check my credit score. I would always try to apply for credit cards, but they wouldn't approve me, and I didn't understand why. It wasn't until about XXXX years later that I spoke with someone from the bank. They informed me that I had a line of credit on my name for the amount of XXXX. I have tried to report the fraud to the company multiple times as well as report the fraud to all credit bureaus. Yet the debt has still not been removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Company : XXXX XXXX XXXX, Account # XXXX, XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Account # XXXX, XX/XX/XXXX Company : XXXX XXXX, Account XXXX XXXX, XX/XX/XXXX Company : XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XX/XX/XXXX Company : XXXX XXXX, Account # XXXX, XX/XX/XXXX Company : XXXX XXXX, Account # 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 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 to furnish a account without my written instructions n 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 known or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I opened a checking account on XX/XX/2021 under the following bonus terms ( attaching below ). I made my opening deposit, and set up my direct deposit of $ XXXX with my employer the same day. Over a week later, Wells Fargo closed my account. I had my employer direct deposit bounce because of it, and was without my funds for over a week during the COVID-19 pandemic crisis. More importantly, I did not receive my {$200.00} bonus for this checking account, as Wells Fargo closed the account while my requirements were being fulfilled. Wells Fargo solicited me for this offer, I accepted it, opened the account, and went to fulfill the terms. In the meantime, Wells Fargo closed my account, cheating me out of my {$200.00} bonus. Terms below : Eligibility Requirements : This offer is for new checking customers only. All Wells Fargo consumer checking accounts are eligible for this offer with the exception of checking accounts offered by Wells Fargo Private Bank. 
You must use your bonus offer code at account opening when you apply for a new eligible Wells Fargo checking account. 
You are not eligible for this offer if : You are a current owner of a Wells Fargo consumer checking account You have received a bonus for opening a Wells Fargo consumer checking account within the past 12 months You are a Wells Fargo employee Bonus Requirements : Open a new Wells Fargo consumer checking account with a minimum opening deposit of {$25.00} by XX/XX/2021. All account applications are subject to approval. 
Within 90 calendar days of account opening ( the " qualification period '' ), receive a total of {$1000.00} or more in qualifying direct deposits to your new checking account. 
A qualifying direct deposit is an ACH ( Automated Clearing House ) automatic electronic deposit of your salary, pension, Social Security, or other regular income into your bank account. Confirm with your employer or the agency or company making these payments that they use the ACH network.

Transfers from one account to another, mobile deposits, or deposits made at a banking location or ATM dont qualify as a direct deposit.

Bonus Payment : Once the 90-day qualification period has elapsed, we will determine if you have met the offer requirements, and will deposit any earned bonus into your new checking account within 30 days. 
The new checking account must remain open throughout the 90-day qualification period and at the time we attempt to deposit any earned bonus payment. Please note that an account with a zero balance may be closed by us without prior notice, as further described in the Deposit Account Agreement. 
You are responsible for any federal, state, or local taxes due on the bonus and we will report as income to the tax authorities if required by applicable law. Consult your tax advisor.
Product: Money transfer, virtual currency, or money service

REQUESTED WIRE TRANSFER OF {$60000.00} TO XXXX XXXX  TO START A E-COMMERCE BUSINESS, TRANSFERRED THE MONEY VIA WIRE TRANSFER FROM MY ACCOUNT AT WELLS FARGO TO XXXX XXXX ACCOUNT ALSO AT WELLS FARGO. THROUGH MANY DEVELOPMENTS AND SEVERAL PROJECT MANAGERS AT XXXX XXXX  AND NEVER RECEIVING WHAT WAS PROMISED INCLUDING REVENUE IN THE FORM OF 70 % TO ME 30 % TO THEM, TO DATE I HAVENT RECE IVED ANY COMPENSATION AND REALIZED THIS WAS A SCAM. CONTACTED MY BANK WELLS FARGO AND WAS TOLD THERE'S NOTHING THEY CAN DO TO RETRIEVE MY MONEY.
Product: Money transfer, virtual currency, or money service

I would like to reimbursed for the reported transactions.
Product: Credit card or prepaid card

At the advice of my CPA, I decided to apply for an American Express business card. On or about XX/XX/2018, I provided American Express an inordinate amount of personal/non-public information about me and my business. After 45 minutes the young lady told me that I would recieve a card in seven days.

The card never arrived and when I called Amex to find out what happened, they informed me that they no record of the appllication. They stated that they would create a case and call me within 48 hours. This never occurred. I called them a week later and they had no record of " the case '' that they assigned to me. 

I am concerned that I provided them with a large amount of private/non-public information about myself and my business and they can not tell me where it went.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I filed bankruptcy last year. My bankruptcy has been XXXX months ago but my credit report still has previous debt. I have contacted the creditors and credit bureaus. The information is still there. I need help resolving this problem.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX XXXX XXXX XXXX XXXX XXXX. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit and see a collection that Ive received no communication from via XXXX mail nor phone call attempts. If I had, I would have advised that this debt is time-barred. Due to being time barred the collection must be removed from my credit profile as it is outside of the window to collect upon.