23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I have been on the phone with Rush Card for 2 weeks now about my balance being at XXXX instead of XXXX and my card being used when I was n't using it. I tried to call and the phone is being hung up or not answer. I have been on the phone today for XXXX hours trying to see why my card is deactivated. I got told the system was down, they sent me a new card in which I have n't received, and the next XXXX yelled at me and now as I type I am on hold again and it had been XXXX mimutes. They are not giving any answers about this and all I want is my money.
Product: Payday loan, title loan, or personal loan

Mariner finance is not honoring the terms of the contract set in place for the purchase of a reverse osmosis system for our home. The cost of the system was {$3500.00}, mariner finance charged us 16.9 % interest rateAnd now is asking for the full XXXX term interest at the 12 month pay off. I feel they are manipulating the contract to line their pockets further as I have paid them in full within a 12 month.
Product: Credit reporting or other personal consumer reports

Hello there ive been trying to solve a problem with my credit report its showing lot 's of inaccurate information that I try and dispute on my own and can't resolve. There is a auto loan from XXXX XXXX  that I never asked for or received in the amount over XXXX around XX/XX/year>. I never bought any car from there or there associates.. also the address they have on my credit report is inaccurate I've tried to dispute the information with credit karma, transunion, XXXX and can't resolve the issue.
Product: Debt collection

I received a call at my place of employment XX/XX/XXXX @ XXXX pm from a spoofed number ; XXXX left a message to call XXXX. When I called the number back to obtain an address he refused to provide the address and escalated the call. The lady that came to the phone asked why I wanted the address and I advised I wanted to send a cease and desist letter. She refused to give me the address unless I gave her my name. Based on the company name of ( Allegiant ) I was given by XXXX they are possibly located in New York which means they spoofed their number by using a fake number in my local area ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This company seems not to be able to report information accurately, do a valid investigation or even understand what is being requested as an investigation vs. something that isn't. I want these items corrected or permanently removed from my credit. I'm tired of disputing these things with them. If they can't do the right thing by correcting or keeping accurate information then they shouldn't be in business & housing personal data! If it's not fixed this time, I'll file civil suit to have the items removed & sue for monetary damages. See attached. 

1. XXXX XXXX - my current balance is not that high! Even XXXX XXXX XXXX XXXX don't reflect this inaccuracy! It's reported by the bank monthly, keep up! Fix it or I sue! 
2. US Dept of Ed loans- now they threw comments on there that I'm disputing the loans making it appear that I have an issue with the creditor! The issue is with the Bureau NOT the creditor! I asked them to remove these as I felt they were XXXX yrs. old & should be removed. They sent a response stating they weren't XXXX yrs. old & would remain on until such time. So that dispute was with Equifax not US Dept of Ed! Why are comments on there to the effect that I disputed something with the creditor??? Remove that verbiage or you will be forced in a court of law to remove all of the accounts on the attachment permanently from my report! You had no business doing that & if you update anything on there to keep them on longer I will sue you for that! That's another stunt you all like to pull thinking all consumers are stupid. The only stupid people I see are all of the bureaus! Fix it or permanently delete all of them! Don't fix them, then lie to the CFPB again & I'll force you to delete them or see you in civil court! 
3. My current physical address ( XXXX ) is shown as a previous address while the previous ( XXXX ) is reflected as the same! My current addresses are the XXXX & the XXXX! Fix it! Last time I intend to bring this up. Next time will be in court!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX DOB : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 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, inaccurate, and false information consists of [ XXXX ] with a balance of [ XXXX ], [ XXXX XXXX XXXX  ] with a balance of [ XXXX ], [ XXXX XXXX ] with a balance of [ XXXX Account number and {$140.00} amount owed ] These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint [ XXXX ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

There was fraudulent use of my US Bank credit card on XX/XX/2022 by a non existent company for {$2900.00} through a XXXX  payment device for " kitchen remodeling '' that I immediately reported to the credit card company ( US Bank ) as fraudulent. The credit card company initially cancelled the charge and said they would investigate. After multiple " thank you for your patience '' emailed case updates from the credit card company the fraudulent charge was placed back on my account on XX/XX/2022 and deemed by US Bank as a valid and authorized charge. They mailed me their " findings '' but there was no information in that paperwork validating the transaction. To the contrary, my personal contact information listed in their investigation is not correct but they either failed to notice this inconsistency or simply ignored it. After speaking to US Bank directly to again dispute the validity of this debt they refused to investigate further and deemed the situation resolved and the investigation closed. As a result of this lack of reasonable action on their part I have paid all unassociated debt on that account and cancelled the card. Additionally I have filed a police report for financial fraud and identity theft and sent them a letter enclosed with a copy of that police report demanding the debt be removed completely along with any associated fees or penalties. 
US Bank continues to claim I owe this debt and are charging interest on it as well as making derogatory remarks on my historically exemplary credit report. 
I need help resolving this issue and help making sure it does not happen to someone else.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries appearing on my credit report. I am a victim of a data breach, and these accounts and inquiries are the result of identity theft. 
Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to request the blocking and removal of any information that has been identified as fraudulent. The following accounts and inquiries were not authorized by me and should be removed from my credit file : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Hello, on or about XX/XX/2019 I was contacted by bonneville collections of Utah. They had called and asked for me at work. It was roughly XXXX. During our conversation the collection agent repeatedly told me that quote I was not being a man, that I wasnt a good father, take care of this or else. That I was being a deadbeat dad. In a few different ways. I take this verbage as abusive language. My bosses secretary was standing right next to me as she was the one who handed me the work phone and couldnt believe that she had spoke to me that way. Again I believe most of not all people would consider this to fall under harassment.
Product: Vehicle loan or lease

Acct XXXX My used XXXX XXXX XXXX, that I bought in XX/XX/XXXX, financed by Wells Fargo Dealer Services ( sold by XXXX XXXX XXXX, XXXX, OH ) was totaled on XX/XX/XXXX, in an accident. I have no car now. From the day I purchased this used car, I have already paid {$8900.00} till XX/XX/XXXX to Wells Fargo in down payment and monthly payments. My auto Insurance, XXXX paid Wells Fargo {$5800.00} and GAP insurance from XXXX paid Wells Fargo another {$4000.00} So, Wells Fargo has received now a total of {$19000.00} for a car valued at {$880.00} Wells Fargo owes me {$5300.00} in over payments ... .but when I requested that amount to be paid to me ... I got a shock when THEY want more money from me for crying out loud ' Sadly, Wells Fargo wants me to pay them another {$1100.00} for some trumped up bogus charges. I know it is Fraud because the car was valued at {$9800.00} and Wells Fargo received about twice or more than that .... BEFORE EVEN THE CONTRACT WAS OVER. THIS IS FRAUDULENT BUSINESS PRACTICE BY THIS GREEDY COMPANY. I AM RETIRED AND ON SOCIAL SECURITY. I AM AGHAST and devastated AT THEIR DISHONEST BUSINESS PRACTICES. WHO WOULD HELP ME? WILL YOU? Wells Fargo twists facts and muddles figures as needed for their nefarious and evil business agendas and engage in unlawful activities to exhort money from American citizens at the heavy cost to the plain truth. Even today, the media broadcast the news where this company defrauded millions of customers regarding the auto insurance. Fraudulent business practices is in its ' blood. FACTS. Wells Fargo received a total of {$20000.00} ( approx ). from me, for a XXXX used vehicle worth {$8900.00} 4 years before it was supposed to have received the money. It is collecting compound interest and will keep on accruing on it for the next 4 years. Still it is trying to twist figures through high profile crooked accountants in its employ and trying to BLACKMAIL the consumer ( me ) into arm twisting for MORE MONEY. This is illegal and this company 's employees involved in this charade must be punished to the full extent of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian claimed to removed the inaccurate inquiries on my report after cfpb complaint XXXX and multiple others. This is a follow up so that they can finish removing the rest of the items Over the last 2 months i have been disputing inaccurate inquiries on my credit report which this company has took over 30 days and most times not even responded to my disputes. They are currently the FCRA as well as many of my consumer right. Firstly they are violating 15 usc 1681 b- ( a ) In general - ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've never gave them written instruction to furnish my report in any way. They have also not completed accurate investigations and accurately verified the items on my report. Ive submitted many FTC identity theft affidavits which they have not responded to. This negative and inaccurate information on my report is creating false and deceptive representations of me as i try to apply for new credit which is also a violation of 15 U.S. Code 1692j ( a ). These items must be removed immediately and I also require monetary relief for these violations against my consumer rights. I am demanding these all of the listed inquires be removed : XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

On XX/XX/2016, I had a consultation with a XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, in XXXX, California who obtained my personal information through both my personal and medical history forms, such as my social security number, my date of birth and my income. This information was used to open a Care Credit account in my name at the XXXX XXXX XXXX XXXX in XXXX XXXX without my prior consent or knowledge. 


According to current legal regulations, a doctors 's office who opens a Care Credit account for a patient must wait a minimum of three ( 3 ) days before the doctor can preform any procedure ( s ) over {$1000.00}  on a patient in order to get paid by Care Credit. The XXXX XXXX XXXX XXXX in XXXX XXXX performed an illegal act by opening a Care Credit account in my name without my prior consent or prior knowledge on XX/XX/2016. When I called Care Credit, the representative that I spoke with confirmed that my account was open at the XXXX facility. In fact, I was working full-time on XX/XX/2016 in XXXX, California which is 89 miles away from my workplace in XXXX. 


My initial consultation with the doctor, XXXX XXXX, at the XXXX XXXX XXXX XXXX in XXXX XXXX was on XX/XX/2016. That was the day in which my procedure was initiated and completed. Not only did the XXXX XXXX XXXX XXXX in XXXX XXXX fail to inform me that they opened a Care Credit account in my name four ( 4 )  days prior to my initial consultation with the doctor who performed the procedure, but the treatment coordinator at the XXXX XXXX XXXX XXXX in XXXX, California intentionally withheld a critical piece of information during my treatment coordination consultation on XX/XX/2016. 

The treatment coordinator, XXXX XXXX, purposely withheld that the {$1000.00} used to schedule a consultation appointment with the doctor is non-refundable only until after the transaction was processed and completed. I felt coerced. Since there was no way to back out without incurring a financial loss, I felt forced into agreeing to have the procedure done with XXXX XXXX XXXX on the day of my initial consultation with the doctor on XX/XX/2016. 


In conclusion, the following two actions constitutes unethical, unprofessional and fraudulent activities on behalf of XXXX XXXX XXXX. First, withholding the fact from me that the {$1000.00} used to schedule a doctor 's appointment is non-refundable only until after the transaction was completed ( XX/XX/2016 ) and secondly, opening a Care Credit account in my name by using Personal Protected Information ( PPI ) without my prior consent or knowledge on XX/XX/2016. 


I am requesting that the complete amount of {$10000.00} be refunded immediately back to me since XXXX XXXX XXXX illegally opened a Care Credit account and processed the transaction with disclosing all the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX  has violated my rights.

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 acc
ount without my written instructions
Product: Prepaid card

Hi my name is XXXX XXXX. Back in XXXXi was currently living in XXXX, XXXXI had become unemployed and homeless due to the COVID pandemic.I was living on the streets trying to find a job so I can get back on my feet.I was at a convenience store panhandling trying to get food. This Lady which name is XXXX came up to me offering to help me .I told her about me losing my job and becoming homeless.She asked me why I didnt I applied for unemployment assistance.I explained to her that I didnt have a phone to call them or access to computer, and the workforce local offices was closed due to COVID protocolsXXXX told me that she can help me with getting my unemployment benefits.She said that her friend is one of the head supervisor at the Headquarters in XXXX and that she will help me.she bought me some food and some clothes and got me a room for that day.i give her my ID, social security card.I told her my mother name and maiden name .My old address, when I graduated from high school, my siblings names.old phone numbers and she wanted me to take a selfie of myself with her phone. She said that she needed all of my information to give to her friend. Then she give me a phone. Like a week later she told me that I will be getting my unemployment benefits and that she is getting me a po box so the card will be sent there that she bring the po box keys tomorrow that she had to go to work. She never came back. I called over a million times it went straight to voicemail then she changed her number and cut off the phone she give me.I borrowed a phone and call XXXX about my benefits that they had awarded me about XXXX dollars. and benefits asked them had a card been issued and was told that it was deposited into account and I couldnt not change anything on the account because of a pin on the account .so I went the XXXX XXXX police station and tried to filled changes for identification theft and report her for scamming me. They that I dont have enough evidence they cant go through with the investigation. Months passed and I moved back to my hometown .my friend help look XXXX by using her phone number .she find out her real name XXXX her address .wth that information I call XXXX they told me that They will investigate and change the PIN number then was told that it was now a XXXX  that was sent to her address .so I call XXXX to report the card stolen I provided them with her address but all the money that was on the XXXX  was taken off that was about almost XXXX altogether.i had to provide them with my id, selfie and social security also I send them photos of XXXX her address and her facebook .disputes all the transaction all of them was atm withdrawnals all was made in the city that she live. i finally recevie my card and they all award me XXXX dollars from the disputes .XXXX havent done anything the police wont investiate than i had to change to recvice my unemployment benefits to my bank account then it will change to back to XXXX  and another card issued that i did not do.
Product: Payday loan, title loan, or personal loan

my identity was stolen in XXXX 2017. Someone used my SSN, maiden name, married name and former address to open up at least 12 accounts. At that time i filed a police report ( attached ) and requested from many creditors that had my information submitted by fraudulent means to close all fraudulent accounts. Chase seems to have kept a line of credit AND a checking account open in what is supposed to be a " business name '' of XXXX XXXX XXXX. my official business is XXXX  XXXX XXXX. The overdraft line of credit ending in XXXX i just got notice has been closed. However -- -what concerns me is the fees or any outstanding balance on this account and any other accounts that might have been opened in my name ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX ). i do not have ANY OPEN ACCOUNTS legitimate ones that i opened -- with CHASE - at this time. i want them to investigate and remove my name from any credit bureaus, as well as release me from any outstanding balances. i have attached a police report as well as letter i just received from chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, and I noticed an unauthorized inquiry had been made. 

I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the Thank you for your assistance in this matter, __________________________________
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
Product: Vehicle loan or lease

My car was damaged in a car accident with XXXX XXXX XXXX where I purchased the car XXXX XXXX for {$21000.00} cash. I financed the car on my own with Bank of America. They gave me the money. On XXXX XXXX my car had a warranty issue and while in for service at XXXX XXXX XXXX they had an accident with my car and it cost {$12000.00} to repair. The dealership sent my car out to their repair shop for 51 days and promised to give me another vehicle. My car should have been declared a total loss. Instead it was given back to me after my signature was forged on the paperwork from the dealership. I now owe {$4000.00} on the vehicle and I want the debt to be forgiven because there was fraud and I should not have to pay for a car that was damaged by the people I bought the vehicle from and fraud was committed to obtain a kickback for referring my vehicle for repair at a body shop of their choosing for repair of my vehicle. This is fraud and I have serious concerns about my continued payments on a fraudulent transaction by XXXX XXXX XXXX and XXXX XXXX. I'm asking for help as a one time courtesy..
Product: Debt collection

After looking at my credit report as i am trying to purchase  my 1st hom e i noticed This collection account w ith Trident Asset  management, I called them and sent a certified letter for them to validate it and I never received the proper validation. I sent in disputes with all  XXXX  CA and they came back verified but I never received verifiable proof of this negative event.