23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX XXXX XXXX of XXXX VA XXXX was servicing my vehicle under warranty for 9 weeks. Through a preferred customer arrangement with XXXX XXXX, they provided a loaner car in the final 2 weeks of that period. 

I was repeatedly assured from all parties that this car was being provided free of charge. I was asked to provide my credit card information only in the event I damaged the vehicle. 

The loaner was returned XXXX XXXX, 2015. On XXXX XXXX, XXXX billed me XXXX $ for the rental, almost 20 weeks later. 

I disputed the bill with Chase SLATE XXXX credit card. They ruled against me. I asked to see a copy of the document I signed. Chase told me they are under no obligation to provide this. 

I feel this is in violation of fundamental principles of contract law. I want to see what I signed, where I 'm sure it will be clear that I was not paying for the service. I think Chase SLATE XXXX is deliberately ignoring basic contract law. I feel that I have been victimized.
Product: Credit reporting or other personal consumer reports

Hello! 
I opened my complaint ( about Transunion ) XXXX I got responce XX/XX/year> : After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. Based on your request, we sent you a letter to inform you we were unable to locate a credit report for you and included a list of acceptable documentation and instructions on where to send them if you would like for us to re-check our records. 

I don't get any letter from you and how can i provide you more information about my injure? 
What is my next step to solve my issue?
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that your company supplied to [ XXXX, transUnion, XXXX ]. I have circled the items I dispute on the attached copy of my credit report ( s ). 
XXXX XXXX account number XXXX ] is inaccurate [ or incomplete ] because [ all 3 credit bureaus are reporting open accounts on a closed account also all XXXX bureaus, are reporting different date last active if you get your information from the same place why are my reports so different ] I am requesting that [ XXXX, XXXX and TransUnion ] have the item removed Enclosed are copies of [ my credit report and any other documents enclosed with a short description, for instance, your record of payments made ] supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item ( s ) as soon as possible.
Product: Credit card or prepaid card

On XX/XX/2019 I received a mail offer from American Express for the EveryDay Credit Card offering me $XXXX annual fee with $XXXX balance transfer fee and 0% intro APR on purchases and balance transfers. I was interested in the offer but there was no information for how much I was pre-approved for or whether the balance transfer was limited to a certain amount. I went to the amex website and entered the RSVP code they gave me along with my social security number to run a credit check. My credit check went through but the website then informed me that there is a limit to their balance transfers. At this time with the new terms offered to me by American Express, I rejected this offer and attempted to remove my information and exited the website. Their website shows an "application progress" bar at the top of the page and I was only at the first stage of this process. The final stage was the "submit application" stage and I intentionally exited the process before submitting my application or consent to their new offer.An hour or so later at XXXX I received an email telling me that I have opened a new account and they would send me a card in the mail. American Express opened this account without my consent using fraudulent and deceptive practices. This adversely affects my credit history by showing a new credit inquiry and a new account that I did not consent to opening. I called their customer service center and spoke with XXXX-employee number XXXX, and she is sending this to their fraud department.
Product: Payday loan, title loan, or personal loan

I signed a financing agreement with Mosaic funding the installation for a door and window for {$8100.00} with XXXX by XXXX. I signed the agreement on XX/XX/XXXX and XXXX percent ( {$2400.00} ) of the loan balance was transfer to XXXX  by XXXX, located at XXXX XXXX XXXX XXXX XXXX, IL XXXX on XX/XX/XXXX. I was told before I signed the loan papers that I would have XXXX months of interest free payment to repay the loan after installation. Today is XX/XX/XXXX and I have not received the window and door that I contracted for. Mosaic started taking funds out of my account on XX/XX/XXXX, even though I have not received the door and window. It was unclear to me that the interest free period began the day after signing the document, even though I had not received any consideration for the door and window not being received and installed. Mosaic is still requiring me to repay the loan despite receiving nothing. I think it is unreasonable and consumer fraud to require someone to make payment on something they have not received. Second the agreement with Mosaic and XXXX by XXXX agreement has a material affect on my agreement with Mosaic however I would not made aware that XXXX would receive XXXX percent the loan amount the next day after signing the agreement with Mosaic, and the interest free period would begin the day I signed the agreement without any work being performed. I feel it is an injustice for payment to be required on XX/XX/XXXX when no work has been completed. To make matters worst, Mosaic sent my account to a collection agency two weeks have the XX/XX/XXXX payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. Box XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE SOCIAL VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Checking or savings account

I opened an account in XX/XX/XXXX at SoFi Bank so my daughter could transfer her earnings from a waitressing job into an account that she could easily access during her fall XXXX semester abroad. We successfully transferred over her saving from another savings account, and she was able to cash a couple of her work checks to the SoFi account. One of the check, however, was expired. The expired check was for {$290.00}. This check was returned. The account was frozen on XX/XX/XXXX. Over the past year I have called and asked for information, and was only told the account was pending closure and that the money remaining in the account would be returned via the associated account we used to set up the account. I submitted a complaint to the XXXX and was told by SoFi we violated the agreement, but I never receive a call or was given the opportunity to discuss the problem. We were never told the money would NOT be returned. I called in early XXXX XXXX, nearly a year later, and was told the same thing. I called again on XX/XX/XXXX, and was informed a decision had been made on XX/XX/XXXX. I was told we were NOT ENTITLED to the funds in the account. They had confiscated {$1300.00} of my daughter 's earnings which she had saved for her study abroad semester - because of an attempt to cash an expired check.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account I was an authorized user on which was my son 's I had myself removed back in XXXX and it is still listed. I need this removed ASAP I have waited more than 45 days an addressed it with a dispute. Please help assist me. 

Account - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

I received a call from Santander ( XXXX ) on XX/XX/XXXX stating that there was fraudulent activity on my checking account. I then saw many fraudulent transactions from XXXX, XXXX, and XXXX XXXX, so I believed this was a legitimate call, especially since it came from Santander 's actual number - the XXXX minute call log is attached. 

The caller XXXX claimed they were a fraud investigator with Santander, badge # XXXX. He seemed very legitimate and professional as he was calling from the Santander number and knew my personal information such as my home address and account number, and my recent transactions. He had me transfer my money into my apple wallet in XXXX transactions ( {$1700.00} & {$1100.00} ) and then into a XXXX account in XXXX transaction ( {$2800.00} ) to protect my funds from future fraudulent purchases, stating that Santander would transfer the money back into my account after their fraud investigation. He had me delete the XXXX from my wallet after the fact, and I regretfully did not write down the bank account number. I now realize this was fraudulent, but it was very convincingly Santander at the time. There is no money in my apple wallet as he had me instantly transfer it to the XXXX account ( transaction attached - transaction ID : XXXX ). 

I opened a claim with Santander the following day XX/XX/XXXX ( # XXXX ), but they denied my claim. I followed up with them this morning XX/XX/XXXX to reopen the case but haven't heard back. I then got in touch with an Apple Cash agent on XX/XX/XXXX, who put me in contact with an agent at XXXXXXXX XXXX XXXX, who are in charge of XXXX XXXX. I was hoping to get more information about the fraudster 's XXXX account, but they did not provide me with any information. 

Santander did not do a good job protecting me from fraudulent activity. I do not know how the fraudster accessed my information as I did not lose my debit card or share my card/account information with anyone. I should not be held responsible for this fraudster and should receive my {$2800.00} back from Santander.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX reporting the charged off account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Product: Credit reporting or other personal consumer reports

REMOVE THE REMAINING ITEMS LISTED ON MY FTC REPORTS
Product: Credit card or prepaid card

Yet another worker that just can do there easy job right..i gave her my CC number 2 times over the phone for capital one and she said the payment is processing the confirmation number is XXXX ... she said it went through..well when i checked today and tonight at XXXX ( stayed up to see if it would show ) it 's not showing ... i went on chat and after 1/2 waiting and chatting the chat worker did n't know either..i paid {$40.00} dollars to what XXXX? the sky? ... i do n't get it ... I do n't know how these people are hired and do n't care..i just want to know and now have proof where my hard earned money went ... so this is the reason i have to do this again ... my XXXX if this place was n't here over half the world would be ripped off..wth is happening ....
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Debt collection

According to the Fair Credit Reporting Act 15 USC 1681 section 602 A states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy ''. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers ' non-public personal information. '' ( Conserve ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates ''. ( Conserve ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Conserve ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Conserve ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item that they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 c of this title to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently disputed an account, it was once removed and is now showing up again in my credit report. I have disputed this account again this year and the creditor has reported the information submitted is verified and accurate. I requested validation to verify that this account belongs to me however I received nothing to validate this debt. Also, the account is showing inaccuracies amongst each credit bureau which would be a violation of the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA. If the account was verified and accurate each bureau would be reporting the same information.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Debt collection

I found a collection on my credit report at XXXX. 
I was never contacted by mail, email or phone to be informed that there is a debt. 
I was not contacted by original creditor that a debt exists, no invoice sent and no details on nature of debt. 
Collector failed to notify me with debt as per act of fair debt collection. 
I was not informed that there is an action to be taken. 
I requested details and provided contacts information. 
I contacted original creditor and they informed me that account is closed and there are no outstanding. 
i didnt receive details and collector offered to pay 40 % and close the debt. 
I Communicated in written email to collection inquiring details of debts and proof of debt. 
Collector failed to deliver details in 30 days after 48 days from sending the request i received bills with the following problems : 1- documents showing my signature as a guarantor to a different company other than the one requesting collection.

2- the bills provided showing as collected from bank and original creditor had blank check and had access to deposit or withdraw 3- summary for months in debt had no support and no bills showing the amounts claimed. 

I raised a dispute at XXXX and they propose to raise a claim at your site. 
collector asking for collection of 50 % without providing evidence of original debt is considered as a harrasment trying to push me to pay any amount to get rid of issue. 
using a different guarantor form other than the legal name shown on original collector is a fraud in using my information and claimig that they followed act of fair debt collection,
Product: Debt collection

I want to report Univ of XXXX for attempting to collect a debt of {$410.00} that I do not owe. On multiple occasions I have disputed the collection account through XXXX XXXX and XXXX and XXXX individually. The debt has been turned over to a New York based company, Conserve since XX/XX/XXXX. Furthermore, the school unfairly discharged me for no reason. I was a student in good standing, with a current XXXX GPA ; I always paid any balances owed while attending. However, it was in XX/XX/XXXX that academic advisor XXXX XXXX, cancelled all of my Fall XXXX classes, with the intention of abusing her authority after being promoted to XXXX of the XXXX  department. Prior to this misfortune, XXXX acted as if she cared about her students. That year, XXXX, was an unfortunate year for myself because I had already paid the school in the summer XXXX, in the amount of {$2200.00} for housing. Yet, I was waiting to hear back from XXXX again to discuss my official class schedule to be able to start back in Fall XXXX. It was then that I learned that XXXX XXXX had planned to remove me from the school, regardless of all the hard work I had endured for my almost three years there. Even crazier, is that she waited to disclose this decision so close to the time that students are charged for the fall housing period. So, to clarify, I was sitting on campus with no idea that I was going to be let go, which led to me still living in the dorms at the start of the Fall XXXX school semester, Therefore, they took advantage of the fact that I was living on campus, awaiting a decision and when the decision was made, unbeknownst me, they charged me with a housing fee of {$390.00} and a {$20.00} mailbox fee, for still remaining in the dorms the early part of XXXX, a week before school was about to begin again. Next, I was contacted through campus email by the XXXX XXXX, XXXX XXXX, who was threatening me to get off the campus for non-payment and no longer being a student in the XXXX  program. I was treated unfairly. Why would I pay these ingrates anything more? The last they were truly owed, was for the summer XXXX housing. And they did receive that payment. This school should be investigated in my opinion, due to the fact, that the cohort of students I worked with, all left under disheartening circumstances. I am a victim of this university 's abuse as well. Fortunately for me, I did find a place to live in XXXX, not long after being discharged from the school. Nevertheless, I request that the collection company Conserve, remove the collection from my XXXX report. I disputed in XXXX XXXX through XXXX XXXX and again through XXXX website XX/XX/XXXX. They did remove the collection account from XXXX when I checked XXXX XXXX a month ago. However, I feel if they removed it from one, they should remove it from my other reports as well. I refuse to be responsible for a debt that I did not acquire in the first place. Again, I have no intention to EVER pay Univ of the XXXX, especially after the unnecessary abusive practices.