23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I traded my 2012 XXXX for another car at XXXX XXXX in XXXX XXXX, XXXX Toyota Financial Services reported my car as a repossesion car and reported me to collection agaency by mistake, and ruined my credite from XXXX to XXXX, ofcourse they try to repair thier mistakes but damage was done by thier mistakes, I wonder if anybody from government side can punish this Financial Institution. ThanksXXXX XXXX
Product: Consumer Loan

CITIBANK Continues dunning calls with implicit threats re : losing information about a debt and the consequences if I do so. I am working with the fraud department of Home Depot. In spite of that I have been getting many calls from Citi agents. They do not communicate with HD 's fraud department. Complete sloppy, emotionally draining over an issue being worked on with HD. Wrongly called me today -- XXXX XXXX as I mourn the recent deaths of my wife and sister. I am an ID fraud victim.
Product: Credit reporting or other personal consumer reports

This is not an error. I am sending my formal notice that this information is a result of identity theft. This account has been reported to the FTC and is currently under investigation.
Product: Credit card

XX/XX/year> I received an email stating I was pre-approved for a credit card with Capital One Savor card to earn cash back and bonuses. I only applied because it stated I was pre-approved but once I submitted my application, I was denied. This hit my credit report and impacted my credit score. On XX/XX/year> I called and spoke with a representative, XXXX agent # XXXX, who informed me that pre-approval 's does not guarantee that you will be approved. I told her that the email was mis-leading and asked where in the email could I find the disclaimer on why an individual would be denied and she was not able to provide this information. I was able to go back and find information on my own which has the disclaimer below, which do not apply to me. I would like for something to be done about this impact to my credit and rules/polices put in place on how these companies can market individuals. I appreciate any assistance you can provide. 

Thanks! 

ADDITIONAL DISCLOSURES & TERMS AND CONDITIONS I understand that I am not eligible for this offer if : My application is received after this offer expires, is incomplete, unreadable, inaccurate or can not be verified. 
My address is not in one of the following locations : the 50 United States, Washington, D.C., Puerto Rico or a U.S. military location. 
My address is a correctional institution. 
My monthly income ( my disclosed total annual income divided by XXXX ) doesn't exceed my monthly rent/mortgage payment by at least {$420.00}. Or, Capital One otherwise determines that I am unable to make my monthly payments. 
I am under XXXX or do not have a valid Social Security Number or Individual Taxpayer Identification Number. 
I have another credit card application with Capital One thats currently in process.

I have 5 or more open credit card accounts with Capital One.

I have a past due Capital One credit card account. 
I am over my credit line on a Capital One credit card. 
I have had a Capital One credit card that charged off within the past year. 
I have a non-discharged bankruptcy ( one that is still unresolved ). 
I have implemented a credit security freeze or credit lock with one or more of the credit bureaus, which prevents Capital One from accessing my credit report.
Product: Credit card

It all began on XXXX/XXXX/14 with a charge of {$2500.00} by XXXX XXXX in XXXX. I was promised by XXXX XXXX that they can consolidate my Timeshare at XXXX XXXX XXXX XXXX in XXXX Fl. On XX/XX/XXXX I made the final payment {$7500.00} to XXXX XXXX. XXXX XXXX also made a later charge of {$540.00} for a product that was falsely presented to me ; a total of {$10000.00} scam by XXXX XXXX. After all this I got a notice from XXXX XXXX XXXX XXXX, XXXX, Fl that my timeshare is in collection. I lost over {$15000.00} in vacation, penalties and interest for XX/XX/XXXX. 
After investigating I found out that XXXX XXXX in XXXX could not consolidate my Timeshare in Florida. The venture with XXXX XXXX was a scam to rob innocent vacationers and timeshare owners. 
I wrote Citibank concerning this matter several times, only to be shun by them ; they then abruptly closed my account on XXXX XXXX ; jeopardizing my other accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information reflecting on the XXXX XXXX trade-line is inaccurate with Equifax. This trade-line has not been updated since XX/XX/2018, and it is now XX/XX/2018. There has been no change in data. There is a disconnect between Equifax and XXXX, causing incorrect data to reflect on my credit report.
Product: Prepaid card

I purchased a Vanilla gift card from a local XXXX 's store, but unfortunately, the card has not been functioning correctly. When attempting to use it, I discovered that it can not be swiped or utilized for transactions. 

Subsequently, I initiated a service request ( XXXX XXXX : XXXX ) to obtain a replacement for the defective card. Despite this, it has been over XXXX months, and I have yet to receive the replacement. During this period, I have reached out to customer service on more than XXXX occasions without resolution to my issue. 

Given these circumstances, I am seeking your assistance to expedite the replacement of my Vanilla gift card. Your prompt attention to this matter would be greatly appreciated, as it has been quite an inconvenience.
Product: Checking or savings account

Someone stole my personal information, then gained into my bank account. Through logging into my online banking portal they got access using my acquired personal details. 

Once inside the account, they initiated unauthorized transactions. They transferred funds to another account under their control and made purchases using my debit card information. 

Eventually, I noticed the unauthorized transactions and discrepancies in my bank statements and reported the fraudulent activity to my bank. 

A total of {$1200.00} was stolen from the my bank account through a combination of unauthorized transactions initiated by who ever gained access to the my personal information through identity fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I monitor my credit very closely and have been working hard to improve my credit for over a year now. On XX/XX/XXXX I received an alert from my credit monitoring service that I had a new collection on my report. I was not aware of owing any monies to anyone and had not received any calls or mail from any creditor regarding this. Upon checking I seen the debt was listed as being from XXXX for a sprint account in the amount of {$1900.00}. I recalled that this debt was previously listed on my report when I initially started working on my credit in XX/XX/XXXX by a company named XXXX. This debt was listed under a last name that does not belong to me ( XXXX ) my maiden last name is XXXX. This debt was ultimately deleted after dispute because of it being under a name that is not mines that I have never conducted business under and the company not being able to prove this account was mines. I am aware that with this debt being reinserted into my credit report I should have received written notice of reinsertion from Experian. I disputed this debt as not mines and also noted that I never received any notice of reinsertion from Experian on XX/XX/XXXX. The dispute results came back as verified on XX/XX/XXXX and the lack of reinsertion letter was not addressed by Experian. Still now on XX/XX/XXXX I have not received anything. Experian makes it very hard for you to reach them by phone regarding disputes so bringing it here was my best option.
Product: Checking or savings account

I am the Power of Attorney for my mother and need to close out her account to liquidate her assets. I submitted the Power of Attorney documentation as requested on XX/XX/XXXX and was told it takes a few hours to upload ( via email ) and to call back on Monday. I called back on XX/XX/XXXX and was then told it would take 3-5 business days to be reviewed by Legal. On XX/XX/XXXX, I called back and was told it hadnt started being reviewed but to submit a distribution request that should accelerate the process and also take 3-5 days to review. I then called back on XX/XX/XXXX to check for a status update and was told it didnt need to be reviewed by legal and would take just 1 or 2 more business days. I called back on XX/XX/XXXX and was told, again, that it hadnt even started to be reviewed. The closure of this account by a specified date was communicated to each of the agents I spoke with and when I asked for accelerated review, I was told this couldnt happen. There appears to be a concerted effort to block attempts to distribute funds and close this account by the company as they have admitted to not doing anything to process the multiple requests that have been sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I looked on my report I noticed that my right to privacy has been violated. By Law XXXX XXXX Part XXXX - FAMILY EDUCATIONAL RIGHTS AND PRIVACY ; Student loans should be kept private from my report. You have violated my consumer rights and I would like a proper investigation. Please send me an ORIGINAL STATEMENT with my signature that gave you authorization to furnish these loans on my consumer report. 
XXXX XXXX XXXX # XXXX. Due to the furnishing of my private information I have been denied good faith in credit for goods and services. This is damaging and Im very disappointed in this credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACTED ALL THESE COMPANIES BUT NO RESOLUTION AND EVEN DISPUTED WITH ALL CREDIT BUREAU. STILL REMAIN ON MY CREDIT. I WAS TOLD TO FILED SO I CAN GET HELP. 

XXXX / XXXX XX/XX/XXXX. {$340.00} XXXX XXXX XXXX XX/XX/XXXX. {$1200.00} XXXX XXXX. XX/XX/XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX {$4800.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$650.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$260.00} XXXX XXXX XXXX {$610.00} INQUIRIES THAT WAS ALSO AFFECTED ON MY CREDIT REPORT UXXXX 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I ( XXXX XXXX ) tried to dispute a double Authorization Hold on my account for {$3100.00}. 

XXXX XXXX of XXXX XXXX XXXX XXXX XXXX charged my credit card TWICE for {$3100.00}. 

XXXX XXXX made the effort to release the hold and cancel the transaction. He filled out the paperwork TD Bank requested and sent it to TD Bank. I attached a copy of the document to this complaint. 

The " Release of Hold '' letter was received by TD Bank on XXXX at XXXX XXXX. 

TD Bank refuses to honor their own processes and release the hold. TD Bank repeatedly misrepresented the information, the processes, and in some cases, through multiple phone calls, they insulted me. 

I need TD Bank to release the hold and return {$3100.00} into my checking account.
Product: Vehicle loan or lease

I the consumer and natural person was denied credit by M & T bank when I applied for an extension of credit for an automobile. Adverse action against a consumer is AGAINST THE LAW according to the EQUAL CREDIT OPPORTUNITY ACT which is codified in 15 U.S. Code 1691c and is pursuant to civil liability in 15 U.S. Code 1692k. M & T is subject to CRIMINAL liability for violating 15 U.S. Code 1691 as I have proof that I was discriminated against by M & T Bank in their letter dated XXXX XXXX2022 as exhibit A. M & T Bank violations include 15 U.S. Code 1642,15 U.S. Code 1681m and 12 CFR 1002 being that I made an application in good faith, but credit was not issued. In addition my Social Security Number ( credit card ) was used and I received NO benefit proving this to be proof of fraudulent activity, unauthorized use of a credit card by M & T Bank. If M & T Bank fails to make any reasonable procedure to resolve this matter and compensate me for the use of my credit card I will indeed make M & T bank criminally liable for ALL DAMAGED PURSUANT TO 15 U.S. Code 1681n and 15 U.S. Code 1681o!
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and noticed that I had four late payments on an account that I was never late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks in advance! Please see screenshot attached :
Product: Prepaid card

On XX/XX/year> I purchased a XXXX gift card with {$500.00} loaded onto it. I have tried to make multiple purchases with the card, but they are all declined. This card has never worked, even though I activated as the company instructed. When I check the card status online, it states the card is active with {$500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I enter all the relevant data and am denied by Equifax. I am told I have to mail a request. I did n't start this problem. I want my report online. And by the way, XXXX and XXXX  continue to charge for freezes. A disgrace.
Product: Credit reporting

I HAVE A COLLECTION ACCOUNT THAT DOES NOT BELONG TO ME. I HAVE NO CONTRACT WITH XXXX XXXX XXXX,
Product: Money transfer, virtual currency, or money service

We responded to an ad on craigslist for a rental house at the address above. We set up an appointment with someone named XXXX XXXX XXXX to go look at it at XXXX on Monday, XX/XX/XXXX. When we arrived, he wasn't there and was told to set up an account on rently.com in order to access the key inside a lock box to view the house. 

We wanted to go ahead with the rental and that's when XXXX said we needed to XXXX him the deposit of {$1200.00} to take it off the market. We thought he was sending us paperwork in the meantime, but he wasn't. There was a limit of {$500.00}, so that's what we sent. We told him no more money until we have a contract signed. XXXX wanted us to send the rest of the money via XXXX, but XXXX would not allow us to send more the same day. He sent us the application finally. 
When we noticed the application did not match any of the information associated with the listing, we left and went straight to Wells Fargo as XXXX continued to call us. We demanded our money back, he said we had to finish our application. We did not send back any application. He sent us the application form via XXXX. The subject of the email said, XXXX XXXX. 

At Wells Fargo, they said the only way to resolve this was over the phone, unfortunately. We immediately called Wells Fargo and XXXX ( through WF ). After multiple transfers, we finally filed an investigation claim with the Online Fraud department of Wells Fargo with XXXX. ( XX/XX/XXXX ) I even tried to request a payment back from XXXX via XXXX XXXX XX/XX/XXXX XXXX and it was immediately denied. 
Next we called XXXX PD and they never picked up the phone. We even called XXXX PD and were transferred back to XXXX PD and they never picked up. ( XX/XX/XXXX ) I followed up with WF 5 days later ( XX/XX/XXXX ) and they said they could not retrieve the funds from the recipient 's account as of today. Because of that, there was nothing else they could do. If they had tried when we initially called on XX/XX/XXXX, they probably could have retrieved the funds. They just chose not to. 

Now we are out {$500.00} and still do not have a place to move to.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Credit card

Bank of America spontaneously closed two of my credit card accounts in XX/XX/year> without reason. I had to wait several weeks to receive paper mail as to the reason why. I tried to dispute it but to no avail. I had earned cash back rewards on both cards ( {$360.00} on one card, {$24.00} on the other ) that I have tried to recoup from Bank of America. However, they refused to give this credit to me on the basis of closing my accounts- again, something I did not want or request. I am reaching out to CFPB to help me recoup my cash back rewards that I had earned. Thank you.
Product: Credit card or prepaid card

This is the email I sent the CEO 's with no response. 

XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX  ( 5 days ago ) to XXXX, XXXX, XXXX, me I am writing to have your company fix the trade lines on my husband and my Capital one account with the credit bureaus. My husband called on XX/XX/19 to dispute a {$100.00} charge from XXXX. We initially noticed this charge on our card back in XXXX. I specifically remember my husband calling XXXX to cancel the annual charge but of course they " have no record. '' That is here nor there. The issue is with your customer service. When he called on the XXXX and asked for the dispute to be created he was advised by your customer service team that we did not have to make payments and we would not be charged any late fees or interest until the dispute was resolved ( pull the call ) the number he would have called from would have been XXXX. Much to our dismay we get a notice this past month that we are not only accruing a finance charge we also incurred a late fee and Capital One reported us to the credit bureau as 30 days past due. My husband once again called on the XXXX of XXXX and was apologized to and they removed all of the fees and were told that the dispute was never created?! I am sorry, but that is a bank error that is not our error. We did what we were supposed to. Your company will fix the trade line because it was a bank error. I want both of our credit reports updated immediately. Its not about losing the dispute ( which we are now being told ) we will handle that. Its about the errors your specialists made handling our initial dispute claim back on the XXXX of XXXX. I expect this to be resolved quickly. You can call me at XXXX. I am happy to take this to social media if I don't receive a quick response.
Product: Debt collection

My BlockFi account was used in a fraudulent manner. Despite numerous attempts and trying to communicate with this company this company has done absolutely nothing but denied my request for a credit in the amount of {$9300.00}. 
This transaction was done in a state of Nevada I was never in the Nevada when the transaction was done. 
The company claimed that an investigation was done any and if I wanted the the findings. 
I requested the findings and they were never provided to me.
Product: Debt collection

I 'm trying to refinance my home and I was told I have a judgement against the property. No idea., I have lost so much since the housing meltdown. My business and property and lost my job. 
Finally have a job underpay. I have so much going on., now this cach LLC sue me claim they serve me., which is not true. 
Now XXXX told me they ca n't continue till the judgment is clear. I do n't know What to do., they file the judgment XX/XX/XXXX. I believe it was charge off by XXXX XX/XX/XXXX/XX/XX/XXXX Please help me
Product: Credit reporting or other personal consumer reports

PORTFOLIO RECOVERY HAS BEEN SENDING COLLECTION NOTICES IN THE AMOUNT OF {$1300.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries below do not belong to me. They are FRAUD. Delete ASAP. They should not be on my report. 

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

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately and updated or i will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

Received a {$600.00} XXXX  card recently. Apparently I either did not create a password or did not record the password correctly because I am unable to use it : getting a password incorrect message. So I called the customer service number on the back of the card ( XXXX XXXX XXXX XXXX ) because I read on XXXX that if I phoned customer service I would be able to reset the password. 

Unfortunately, upon reaching customer service I am asked for the XXXX card number and then its password! The recording would not let me continue without the password. I tried several different options from the recording but can get no place without the password ( which is why I am calling ). I am reaching out to you in hopes of resolving the problem or at least alerting someone to the issue. Thank you. 

XXXX XXXX, XXXX XXXX
Product: Mortgage

I am in Chapter XXXX and trying to modify loan with Wells Fargo, I am getting stonewalled, passed from XXXX point of contact to another, told the procees must begin again and again, and asked for obscure documents to file the modification.