23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX. Please delete this account ASAP.
Product: Checking or savings account

I sold a product online. The buyer deposited {$5300.00}, cash, into my business account. My business name is XXXX XXXX XXXX XXXX. When TD Bank confirmed the cash was in my account, I released the product to the buyer. Some days later, my account was frozen. I then learned that TD had reversed the deposit and taken the {$5300.00} out of my account. 

I never got a single correspondence from TD, not XXXX. No call, no email, no letter, nothing. I reached out to TD and they refused to give me any information. They said the deposit was " suspicious '' and they were " investigating ''. A few weeks later, I got a call from my local branch manager, who ( gleefully ) told me I was a scammer and they were keeping my {$5300.00}. They refused to give any details, any reason for keeping my money, no results of any investigation, nothing at all. I made several calls to TD corporate and could not get any information or resolution. 

The theft occurred in Union, XXXX, so I filed a report with the XXXX XXXX police department. TD stonewalled the police and would not give any information. They got XXXX and discovered there was never any investigation and they would not tell the detective why they took my money. 

After many months and XXXX the detective was able to determine that another person was involved in the scam. This other person was given a bad check to deposit and was told to deposit the {$5300.00} into my account, after which the bad check bounced. TD chose to give this person their {$5300.00} back, making me the victim of the scam. If this other person got into some money-making scam, why did they make me the victim? 

How can TD Bank take {$5300.00} cash out of my account and never contact me, never explain anything to me or even take my calls? 
It appears to me that the managers of the XXXX XXXX XXXX  XXXX are in on the scam and TD bank is protecting them.
Product: Debt collection

I've contacted the collection agency called Caine & Weiner, after I viewed my credit report and saw an account in collections reporting which I'm not aware of this debt at all. 

I called the at number ( XXXX ) XXXX Asked for more information on this matter. 
In the phone call, I try to reach a settlement if by any chance the debt can be verified that it is mine, I explain because of Covid can't make a payment in Full of {$250.00} which is reported as owed. 

I request for a smaller amount to be paid in order to settle this account, they start to get very disrespectful, with attitudes and why am I not being responsible for this debt, I repeatedly mention Covid affected my job, and the guy continuously said that wasn't a good enough answer, a lot of people call and pay their owed accounts in Full why can't I be responsible. ( in a very mean inconsiderate way I was being treated all through this phone call ) I feel offended. 

How can you treat someone like this in these unprecedented times. I felt humiliated.
Product: Credit card or prepaid card

XX/XX/XXXX, I noticed XXXX XXXX  company overcharge me for the rental I received. After contacting the CC company they stated they would help. No results, but in XX/XX/XXXX XXXX go to charge mt card 2 additional times after my dispute was filed and new card sent out because of unauthorized charges. XX/XX/XXXX the CC company stated someone had to give XXXX my new account information because thats the only way my account would keep being charged. After talking to their fraud department, they reimbursed me {$69.00} and was waiting for the conclusion of investigation to reimburse the other {$200.00} charge. The CC never reimbursed, I sent a couple of certified mailings asking if they can investigate and provide me with the details of their investigation. I received no responses and have emails where the fraud department acknowledge they have not even investigated the fraudulent charge. This email was back in XX/XX/XXXX and still no response after I bring it to the representative attention.
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against them if they do not validate this account. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX XXXX
Product: Checking or savings account

This is the second time my card has been used for FRAUD and wells fargo has denied both of my claims. SCAMMERS CAN EASILY STEAL YOUR CARD INFORMATION AND CREATE ANOTHER TO STEAL YOUR MONEY!!! THIS HAS HAPPENED TO ME MY ACCOUNT HAS BEEN USED FOR ONLINE PURCHASES AT XXXX AND XXXX AND WELLS FARGO DID NOTHING BUT DENY MY CLAIM THE DAY AFTER I FILED IT!! THIS IS FRAUD AND AS A FIRST TIME CUSTOMER I DO NOT FEEL PROTECTED. I WILL BE CHANGING BANKS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through a hardship after I graduated from college. I couldnt pass the XXXX to secure a job. My wife and I moved out of Alaska to XXXX and things got worse with trying to pass the XXXX XXXX and find work with no license. I was working with a guidance counselor for assistance with my payment. I didnt realize the different lenders I had with the different loans. I was told I was approved for a forbearance and my understanding that would date back to adjust the late payments so I would no longer be behind but it did not. 2018 the Alaska Post-Secondary is showing several late payments for my account at XXXX, XXXX, XXXX  before selling the loan to a different lender.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX TransUnion XXXX XXXX XXXX  XXXX, PA XXXX Subject : Formal Demand for Immediate Blocking of Fraudulent Accounts and Inquiries Under the FCRA To Whom It May Concern, Pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), I am formally demanding the immediate blocking and removal of fraudulent accounts and inquiries that TransUnion has failed to suppress despite my submission of a police report and a Federal Trade Commission ( FTC ) Identity Theft Report. Your continued reporting of this fraudulent information constitutes a direct violation of the FCRA. 

The following fraudulent accounts and inquiries remain on my credit file despite my prior disputes : XXXX. XXXX XXXX Credit Card ending in XXXX Unauthorized account XXXX. XXXX XXXX ending in XXXX Unauthorized account XXXX. XXXX Account Unauthorized account XXXX. Unauthorized Hard Inquiries from : XXXX XXXX XXXX XXXX ( XXXX ) As you are aware, under 15 U.S.C. 1681c-2 ( a ), a credit reporting agency must block fraudulent information upon receipt of a police report and an FTC Identity Theft Report. Your failure to comply with this federal mandate is a willful violation of my consumer rights. 

I hereby demand that TransUnion : Immediately block and permanently remove the above-referenced fraudulent accounts and inquiries from my credit file. 
Provide written confirmation that these items have been deleted from my credit report. 
Cease any further reporting or reinsertion of these fraudulent accounts and inquiries. 

Additionally, I am formally filing a complaint with the Federal Trade Commission ( FTC ) regarding TransUnions noncompliance and failure to adhere to the statutory obligations set forth under the Fair Credit Reporting Act ( FCRA ). If this matter is not rectified within 15 days of receipt of this letter, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), my state Attorney Generals office, and pursue all legal remedies available to me, including potential litigation for willful noncompliance under 15 U.S.C. 1681n. 

This letter serves as official notice of my intent to hold TransUnion accountable for its failure to fulfill its legal obligations. Please be advised that any further reporting of these fraudulent accounts or failure to comply with this request may result in legal action. 

I expect your immediate response and full compliance within 15 days of receipt of this letter. Failure to act will result in additional regulatory complaints and legal action as necessary. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As A Financial Institution you must provide me as as a consumer my opt out notice and my privacy policy notice under the Gramm Leach Bliley Act, failure to do so will result in legal actions taken against your company. 

Also 15 usc 1681b clearly states your company ( XXXX ) must have written consent from the consumer to furnish any information so if you claim you have permissible purpose please provide documentation for proof if not immediately remove this account from my 3 consumer reports failure to do so you will also be in violation of the FCRA, you have 10 days to remove this account and please be aware Under GLBA, penalties for non-compliance can include fines of up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation. 

I have tried to solve this issue with you, you have failed to respond to my complaint on the cfpb it has been over 60 days and company still hasnt responded I demand this account to be deleted immediately # XXXX
Product: Credit card or prepaid card

I applied and was approved for the Capital One Walmart Rewards Credit Card on XX/XX/2020. However, on XX/XX/2020 I attempted to purchase a Visa gift card and a grocery snack item at a Walmart in XXXX Mississippi using Walmart Pay with my linked and aforementioned credit card and the transaction was declined. The cashier was able to print a record of why the system had declined the transaction, which was that an invalid payment method had been used. Strangely enough, when the Visa gift card was removed from the list of items I was purchasing, the transaction was approved immediately. 

This circumstance proves that Walmart Pay would not let me purchase a Visa gift card using their payment service. However, that stipulation was never presented when I applied and was approved to use the Walmart Pay service. Walmart Pay is blatantly neglecting to disclosure significant terms to their payment service and is discriminating against those purchasing gift cards. I never accepted any term that prohibited gift card purchases using Walmart Pay and therefore this unfair practice is illegitimate and without legal merit.
Product: Mortgage

Inaccurate reporting on my account. I opened the account in XXXX over 16 years ago. I transferred the mortgage to a different lender years ago and its still saying payment status as " current ''. The new mortgage company that I transferred too I paid the house completely off XXXXFCRA allows 30 days for this to be rectified. I want this completely removed from a 3 credit Bureaus immediately.
Product: Credit reporting or other personal consumer reports

As a result of conversation today XX/XX/year> They took my XXXX score down to XXXX XXXX that illegal and they are violating my fair credit reporting rights see attachment!
Product: Credit card or prepaid card

My name is XXXX XXXX My problem is with the cash app. My cash tag is. XXXX XXXX  Cash app let XXXX fictitious companies take money out of my account when I spoke with them about it they said I had to get the money back so I worked on it to get the money back. I got some of it but then I cash app close my account. There is still bitcoins and stocks in that account which they will not allow me to get out. They said they could long no longer help me.and that it is closed I have screenshots of all the companies even the conversations that I had with cash app they refused to help me. They made me do it on my own and then when I did they close my account so I could not receive money. and now I have another account and theyre doing the same thing and allowing people to take money and not help me that is one scandalous system. this is my email address and phone number XXXX ( XXXX ) I would be grateful if you could help me with this issue Thank you oh a list of an authorized payouts XXXX XXXX. XXXX. XXXX. XXXX this did it 2 times on my account. XXXX 2 times as well if not XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX 2 times as well XXXX XXXX if you look you will see that cash app let these so called companies take money out of my account 2-3 times when I asked them to put a stop to it they did nothing!!!! And then I worked hard to get my money back but before I could get anything back cash app closed my account Thank you please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate and misleading 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 dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give 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 removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon EQUIFAX, I found that my consumer file is being irresponsibly tampered with. Over the past XXXX months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

SUBJECT : Case # XXXX ... NO RESPONSE!!! ... Fw : XXXX, hmm, it's been a couple of months... 

OTHER THAN " AUTOMATED EMAILS '' ... I AM GETTING ABSOLUTELY NO RESPONSE FROM EXPERIAN ON THIS MATTER!!! 

NOW, THEY ARE THREATENING TO CLOSE MY ACCOUNT ... OVER THIS SAME MATTER!!! 


XXXX??????????? 


XXXX!! 

> : - (
Product: Credit reporting or other personal consumer reports

A car loan was taken out with credit acceptance in XX/XX/year>. I was the co signer of a ex partner he got into a accident a month after getting the vehicle. When he had took the vehicle out from the dealership he had no drivers license and they let him take the vehicle out and also did fake insurance the man that did the fake insurance for my ex partner was later down the line fired for this. Credit acceptance knew that no one had a drivers license and still lend him money for a loan. I looked into Credit acceptance and they are being sued for giving out car loan to minors to ruin their credit report. The car got total and a police tow truck towed the car and took it to a mechanic collision spot. Its on record at the XXXX police station. I reached out to Credit acceptance and told them this is affecting my credit report and me and my ex partner are no longer together and that the vehicle is not in anyones possession due to the accident that was had. They said that the last location they see of the vehicle was in XXXX  at the XXXX XXXX. The main owner couldnt afford the vehicle so he left it at the shop. Credit acceptance knew this and did not come for their and have the vehicle on our credit report as if we still have the vehicle and they are collecting interest. The car was a XXXX and now the amount is at XXXX. I have explained to them various of times that if they knew no payments were being made and they knew where the vehicle was why didnt they go get their vehicle. No information was provided after i stated this and they still have yet to remove it off my credit report and look for the vehicle. I contacted the last place the vehicle was at the man said he junked the vehicle and refused to give us proof. I honestly think credit acceptance got their vehicle and refusing to admit it because it doesnt make no sense of why after all these year the car was never repossessed and are having it on file as we still have the vehicle.
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I firmly believe this restriction is a result of a misunderstanding, as I have always followed PayPal 's policies and have not engaged in any unauthorized activities. 

Maintaining a positive and trusted relationship with PayPal is of utmost importance to me as a long-standing user. I am fully committed to addressing any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a comprehensive review of my case, urging a meticulous examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will uncover an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also allow me to resume using PayPal for secure and efficient financial transactions, just as I have done in the past. 

Thank you for your attention to this matter. I kindly request that you initiate the review process promptly. Should you require any specific documents or details from my end to facilitate this process, please do not hesitate to inform me. 

I appreciate your consideration and look forward to a swift resolution and the opportunity to resume using PayPal 's services. 

Warm regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

XXXX is govern by 15 USC 1681 and they violated my right numerous times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have a right to privacy and did not give XXXX written permission to furnish these accounts. 

Account XXXX : XXXX Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

signed up for XX/XX/XXXXwhich is XXXX XX/XX/XXXXXXXX XXXX in XXXXi did not want to go any further than that as it seemed scammy so i requested my account to be closed in XXXXXX/XX/XXXX as as of today they still refuse to close the account with my name on it.
Product: Student loan

I have been paying steadily on my student loans for 4 years now ( never missed a payment, I am now XXXX ) via auto-pay. The Fall 2019, I went back to school XXXX. 
Nelnet ( without my authorization or knowledge ) automatically placed my loans in Deferment and I haven't been paying on them for 5 months. I do not check my nelnet account often -- as I've always had auto-pay and have never had to think about it. 
They collected about {$100.00} in interest ( I realize this is minimal ... but its about principle, not the amount I'd like to recover ) during this time while I was unaware of my deferment status. 
After contacting them, they essentially said 'too bad, there is nothing we can do '. 

They put me in deferment, without ANY authorization of any kind, and didn't notify me of this change ( mail or email ). What absolute shady " company '' can legally do this, make money off of me without my knowledge, and then have ZERO accountability?
Product: Credit card or prepaid card

I am writing this complaint about amazon on online shopping and returned policy.

I bought a cell phone and a teapot for {$740.00} which I return by ups with a label that was sent to me by amazon. They item was received on the XXXX XXXX in their warehouse which was verified by XXXX and amazon customer service also several supervisor from the amazon department. Every time i called the said the item was received and waiting to credit my card within 3 - 5 days but there has been no credit on my card and also the bank is going to charge me finance charge in the amount of {$740.00}. i know that i am not the only person facing this problem with amazon there are a lot of people who said amazon is ripping them off. Whenever you made a purchase from them the take the funds out in a second and when to give back the funds we have to wait several weeks. I would like to open an investigation on them and they should be penalized for ripping innocent people off, I also have all evidence to show that item was send and received .Thank you.
Product: Credit card or prepaid card

I received a text from Chase on XX/XX/21, they told me they declined a {$230.00} purchase with my credit card at XXXX XXXX. They asked if that was my purchase, I said no. They canceled that card and sent a new one ; however, I found out after going through my statement on my mobile app that there were over XXXX in XXXX charges on my credit card. Chase flagged one charge but there were at least 50 charges. I called both Chase and XXXX, its been an ongoing issue. I received a letter from Chase saying my case was closed because they said I benefitted from the transactions which I did not. I had to continue to call both Chase and XXXX to try to get them to work together to help me get my money back. XXXX asked me if I knew a XXXX XXXX, I said no. This person is involved in this fraud. Ive also filed a police report naming this person in the case.