23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for a credit card with TJX ( TJMaxx/Homegoods/etc ) on or about XXXX XXXX XXXX, online. The solicitation at the application offered me a 10 % off coupon to use on my first purchase. This is the reason I applied for the card, and with intent of making a large purchase at Home Goods in the coming days with the card. 

The card arrived XXXX  and I have activated it. The store did not, however, provide a 10 % off coupon to me with the delivery of the card. I've checked a total of 4 emails they sent about my approval and card shipping from both TJX and Synchrony Bank and do not find a coupon in any of these communications. I've synced my card with the Home Goods app and also do not find a coupon or reward their for 10 % off either. 

I called customer service for TJX and explained that I applied online and have not received a coupon. Her advice was that I should sign up for paperless billing and that will earn me 10 % coupon. That was not part of the solicitation. She texted me a link to the online site where she says I will receive a 10 % off coupon for signing up for paperless billing. I don't want to sign up for paperless billing. 

Promotions offered in the course of soliciting credit should be honored, and access to it should not require strenuous effort from the consumer to obtain. The absence to deliver the promotion to the customer either via email or with the credit card for online applicants is inconspicuous and exactly what XXXX seeks to regulate in consumer credit marketing. 

Perhaps TJX should include the coupons in the email or mail communications to the customer, cease accepting online applications for credit, or cease offering 10 % off the first purchase to online credit applicants, as they no longer particpate in e-commerce of goods for sale online.
Product: Checking or savings account

On XX/XX/2022 estimated time XXXX, at Bank Of America located on XXXX XXXX XXXX XXXX XXXX IL XXXX. I deposit {$2000.00} into my checking account using my XXXX XXXX virtual debit card for Bank Of America. I entered my pin, selected deposit, and hit cash deposit. I feed the machine 20 {$100.00} bills the first time and when prompted by the atm I hit add more cash and I deposited an additional solid {$10.00} bill. I hit finish deposit and the screen read processing please wait after waiting 10 to 15 minutes I proceed to call customer service and file a claim. She asked me to hit cancel and nothing happen. She asked the amount I deposited, the address, the ATM Identification number. I was worried that the money would be dispensed back out and she told me no. Im just really worried someone pulled up to the atm and the atm gave back the money. Or there is no record of the money being deposited when I did and just need the funds in my account asap so I can pay bills. I waited until XXXX with my daughter in the backseat. The neighborhood is not very safe so I didnt feel comfortable staying at the atm for an hour plus additional time to see if the deposit would clear. I am behind on my bills because of this inconvenience. I really need those funds so I can take care of my daughter and I.
Product: Credit reporting or other personal consumer reports

Your company responded to my CFPB complaint stating that two accounts on my credit report were fraudulent. 
XXXX XXXX XXXX  : XXXX XXXX. XXXX XXXX : XXXX Your company 's response to my complaint # XXXX and stated that you could not find a credit report for me. However once checking the portal there was a response that this information was VERIFIED AS ACCURATE/UPDATED to my credit report. I have attached this for your review as the response submitted on CFPB was false. 

Secondly, I have disputed with all 3 bureaus and your company was the only one to state verified. Please provide the verification of this verified status. As XXXX themselves advised that this product was delivered to an address, I never resided at same for XXXX XXXX. Please provide the verification for both companies per federal law. 

I also reattaching my identity theft report as these accounts are fraudulent and were not opened by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple hard inquiries initiate it on my credit report without consent this is a federal violation of the creditors that Ive tried to issue and access my credit report without authorization and or consent given initiated several written letters Recieved Federal Certified mail to all three major credit bureaus XXXX XXXX and Experian to remove these credit hard inquiries off of my credit report immediately
Product: Debt collection

This is my 2ND COMPLAINT!! My Original complaint was initiated ON 6/23/21 the day a collection from AR RESOURCES, INC was reported on my XXXX credit report caused a significant drop in my credit score by 33 points & today on XX/XX/XXXX AR RESOURCES, INC showed up on my XXXX credit report which dropped my score by 50 points!!! A false, inaccurate & illegal debt that Ive NEVER received any form of communication about from AR RESOURCES, INC. nor do we have any legal agreements! Also, I dont know who gave AR RESOURCES, INC authorization to report an unknown debt on my credit report! Ive never been notified of any debt with or from AR RESOURCES , INC . The lawful right to dispute & or request validation of any kind was NOT given because I was NEVER notified by AR RESOURCES , INC . I want this removed from my credit reports immediately as it is an UNKNOWN & UNAUTHORIZED reporting on my credit report & has caused significant damage to my credit score!
Product: Debt collection

After filing two claims through the XXXX XXXX XXXX I am currently being taken to court in an attempt to collect the balance of my Synchrony credit card ( {$3000.00} ). I have requested the Terms and Conditions as well as my enrollment documentation for Synchrony 's XXXX XXXX XXXX and the credit card opened with Synchrony on XX/XX/XXXX. I have attempted to collect this information from both Synchrony and XXXX XXXX XXXX on XX/XX/XXXX. Synchrony responded with not willing to provide the information. XXXX XXXXXXXX XXXX XXXX response was an ask if I wanted to dispute the charge and not to provide me the information requested. I have disputed the debt with XXXX XXXX XXXX on XX/XX/XXXX. The dispute explains how I am not liable for the debt because I used Synchrony 's XXXX XXXX XXXX to file two claims for payment protection due to being laid off during the covid pandemic due to lack of work. Those claims were made XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

During the review of my credit report, I noticed several hard inquiries that were not mine. 

XXXX. XXXX XXXX inquried on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX I tried finding a phone number for this business but was not successful. I even called XXXX customer service and they were not able to help me. I tried disputing this through the credit reporting agency XXXX XXXX but when I l clicked file dispute it says hard inquiries I have to call on. I called XXXX and the customer service people told me I have to file an FTC complaint for them to review the removal of a hard inquiry. 

2. There was also one for XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX. 

None of these are my inquiry nor did I authorize anyone to apply for credit. 

I have put a fraud alert on my credit reports and locked the credit file.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Bankruptcy Account XXXX : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Immediate Removal of Late Payments from Credit Report Pursuant to Consumer Law To Whom It May Concern, I am writing to request the immediate removal of late payments from my credit report in accordance with consumer law, specifically 15 U.S. Code 1666b, 15 U.S.C. 1681a ( 2 ) ( I ), and 15 U.S. Code 6802. Upon reviewing my credit report, I have identified late payments that are inaccurately reported and must be removed promptly to avoid further harm to my creditworthiness. 

I request the removal of the following late payments : 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  I assert that these late payments are inaccurately reported and violate my rights under consumer protection laws for the following reasons : 1. Violation of Consumer Law : Consumer protection laws, including 15 U.S. Code 1666b, safeguard consumers from unfair credit reporting practices. The reporting of inaccurate late payments on my credit report constitutes a violation of these laws.

2. Accuracy Requirement : According to 15 U.S.C. 1681a ( 2 ) ( I ), consumer reporting agencies are required to ensure the accuracy of the information they report. The inclusion of inaccurate late payments on my credit report fails to meet this requirement.

3. Privacy Protection : 15 U.S. Code 6802 aims to protect consumers ' privacy rights by ensuring the accuracy and confidentiality of their personal information. The reporting of inaccurate late payments compromises my privacy rights and must be rectified immediately. 

I demand that you take immediate action to remove the inaccurate late payments from my credit report and provide me with written confirmation of their removal within [ specify a reasonable timeframe, e.g., 10 business days ] days of receipt of this letter. 

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

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

On XX/XX/XXXX I submit a request asking Equifax to remove a bankruptcy that was inaccurately being reported. On XX/XX/XXXX they stated they validated the bankruptcy with the company XXXX XXXX. That information is false XXXX XXXX, as of XX/XX/XXXX, has removed the bankruptcy from their database because they couldnt verify it. The bankruptcy is not mine.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX 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 furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I have XXXX USD sitting on Coinbase pro and I am unable to send the cash back to my linked bank. I logged a support request and they responded that they have no timeframe to resolve the issue In the mean time I have XXXX Locked up!
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 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 or other personal consumer reports

recently i found several inaccuracies on my recent consumer reports on the account by the name of XXXX XXXX XXXX account # XXXX this account is hurting my ability to obtain credit. all the bureaus need to investigate this account for me because I found multiple inaccuracies. XXXX, Equifax, XXXX please ensure accuracy 100 % accurate with all information verified as accurate.
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my XXXX IntelliXXXX report, under the Fair Credit Reporting Act. I am requesting a copy of my XXXX IntelliXXXX report sent to me via mail.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 3separate fraudulent inquiries appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries have affected my life have resulted in several fraudulent hard inquiries and appearing on my consumer XXXX credit report. 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 I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against XXXX XXXX XXXX Transunion What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX SSN ), Consumer Date of Birth : Contents of XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inquiries have resulted in several fraudulent inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? 
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that transunion credit reporting agency block all of the accounts, collection and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Bank account or service

on XXXX XXXX, 2014 the XXXX transferred the sum of XXXX XXXX. The rate at that time was {$1.00}. I should have received {$66000.00} but only received {$65000.00}. Unfortunately the transfer went through Citibank which added extra transfer fees even though the XXXX insists that they did not use an intermediary bank. I had an account with XXXX, an international bank. Because of Citibank, there was a minus {$1800.00} in funds expected by me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding multiple creditors and the accounts associated with them. After careful review of my credit reports, I have identified several instances where I believe violations of consumer protection laws may have occurred. I am seeking your assistance in investigating these matters and ensuring that my rights as a consumer are upheld. 

The following violations have come to my attention : XXXX XXXX XXXX ( # XXXX ) : - Violation : Failure to provide accurate and verifiable information about the account. 

XXXX. XXXX XXXX ( # XXXX ) : - Violation : Alleged unfair practices in relation to account management. 

XXXX. XXXX XXXX XXXX  XXXX ) : - Violation : Insufficient or inaccurate information provided about the account. 

XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX ( # XX/XX/XXXX ), XXXX XXXX  ( # XX/XX/XXXX ), and others : - Violation : Failure to properly disclose terms and conditions as per TILA ( Truth in Lending Act ). 

XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) : - Violation : Lack of transparency in settlement procedures as per RESPA ( Real Estate Settlement Procedures Act ). 

XXXX. XXXX XXXX XXXX ( # XX/XX/XXXX ) : - Violation : Alleged unfair practices in account management. 

I have personally experienced the negative impact of these violations on my financial stability and overall well-being. [ Provide details about how these violations have affected you, such as increased interest rates, difficulties obtaining credit, emotional stress, etc. ] I respectfully request that you conduct a thorough investigation into each of these violations to ensure that the creditors involved are held accountable for any breaches of consumer protection laws. Furthermore, I request the removal of the unverified accounts associated with these creditors from my credit report. Doing so would not only rectify the inaccurate reporting but also contribute to restoring my financial standing. 

I greatly appreciate your attention to this matter and look forward to a prompt resolution that upholds the principles of consumer protection and fairness. 

Thank you for your assistance. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out multiple times to customer service and the XXXX office for assistance in removing a collections account that belongs to my ex husband, XXXX XXXX. XXXX XXXX XXXX court documents and a proof of claim have been provided to XXXX XXXX team multiple times and they are closing the dispute without diligently reviewing the supporting documents. The erroneous account information on my credit bureau is causing a denial for my daughters student loan for college in XXXX XXXX 
Please assist me in Transuion reviewing the supporting documents provided and/or providing the proof that the collection account belongs on my credit bureau. 
Thank you
Product: Debt collection

I am filing this complaint against Santander Consumer USA for violating the Fair Debt Collection Practices Act ( FDCPA ) in the following ways : Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) : Santander Consumer USA placed a collection account on my credit report without providing the required validation information within five days of initial communication, as mandated by 12 CFR 1006.34 ( b ) ( 5 ). This information is crucial for me to verify the debt and dispute its accuracy if necessary.

Denial of Dispute Opportunity ( 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : I have not been given a fair chance to dispute the validity of this collection account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( I ). Without the proper validation notice, I am unable to exercise my right to challenge the debt 's legitimacy.

False, Misleading, and Deceptive Practices : By placing an unverified collection account on my report without proper disclosure, Santander Consumer USA is using tactics that could be considered false, misleading, misrepresentative, and deceptive. This practice violates my consumer rights.

Furnishing Information Without Disclosures ( 12 CFR 1006.34 ( d ) & 15 USC 1681-S 2 ( 7 ) ( A ) : The collection agency has no right to report the debt to a credit bureau without providing all legally required disclosures as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). This action constitutes a clear violation of these regulations.

Disclosure of Non-Public Information ( 15 U.S.C. 6802 ) : If Santander Consumer USA is affiliated with the creditor of this alleged debt, they may have violated 15 U.S.C. 6802 by disclosing nonpublic personal information to a credit reporting agency without providing me with proper notice under section 6803 of this title. 


Santander Consumer USA has had many violations in the past for the same grotesque actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Equifax continues to report XXXX XXXX account # XXXX as derogatory. This account is part of a XXXX bankruptcy ( XXXX ). 

***Negative reporting on a XXXX debt is a violation of the permanent injunction of my bankruptcy discharge. XXXX XXXX, XXXX and Equifax is violating the bankruptcy code. I am considering the possibility of re-opening my bankruptcy case for contempt action against XXXX, Equifax and XXXX. 

I am requesting that XXXX, Equifax and XXXX to CEASE and DESIST their negative reporting of XXXX XXXX account.