23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

XX/XX/2015- SANTANDER CONSUMER- I Co-signed for a truck for XXXX XXXX XXXX When the saleman came to my house to show me the truck XXXX XXXX had picked out, ,I told him " I will NOT Cosign Anything unless it had the " life Insurance '' added on it -- so if something would happen to me or XXXX `` That truck '' will be paid for. He told me " No Problem '' he 'll add it in the contract. ( I have a witness that was here the entire day ). When he ( saleman & sales lady ) came back with the contract I asked him " Where is the Life insurance '' on the contract -- He pointed to it & said " you requested it '' so " there it is '' ( I have a witness to this fact ) because they were standing right beside me when he pointed to it. So i Co-signed the contract. Day 's later i sat down and read that contract " Word for WORD ''. ( Which i still have ). After reading the contract i was SHOCKED to see that I WAS LIED TO!! He NEVER added any " life Insurance '' on the contract. He LIED to me Just to get me to sign " His Big commission '' check off that truck!! When i called the dealership to complain about " how i was Lied to '' I was given the run-around!! I was Ripped off & lied to!! After i told XXXX XXXX " what WAS N'T '' in the contract after requesting it to be added ( But was n't ). He decided to turn that truck back in to the dealership after just having it for just 2 week 's. When i called the dealership to inform them that XXXX XXXX will be bringing the truck back " I was talked to VERY Nasty from a lady that work 's there '' & she told me " He CA N'T bring that truck BACK, If he does I 'm going to mark it as Re-po truck!! I told her Anyone has 30 day 's to keep it or take back any car they get ( like the lemon law ) She said " Very NASTY '', " Do n't Matter '' You bring it back That 's what will be marked on that truck. She 's the only one from that dealership that actually told the TRUTH!! I 've been looking into this matter to get it removed/taken down ( credit level/score ) on my report, which is a XXXX. There is alot of companies out here ( fee 's are VERY High ) & i can not afford any of them. I was told how to get my free report and how i can dispute it. In my opinion, This was just Fraud from the saleman from him lieing to me just to get me to sign that bottom line. My company that was here that day told me they would be glad to write a statement to the fact of " What that saleman told me '' about adding the Insurance on the contract. PLEASE HELP ME, PLEASE!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX 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 Company : XXXX XXXX XXXX Account number- XXXX Balance : {$1000.00} Company : XXXX XXXXXXXX Account number : XXXX Balance : {$200.00} Company : XXXX XXXX XXXX Account number XXXX balance {$1400.00} Company : Nat XXXX XXXX Account number : XXXX BALANCE : {$4500.00} Company : XXXX XXXX XXXX  Account number : XXXX BALANCE : {$1800.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX reports XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX 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: Debt collection

I never attended XXXX university. i inquired about school but never attended due to death in my family. I do not owe anything please remove this invalid debt immediately
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information regarding Equifax and XXXX. 
Both CRAs have stated that they have no knowledge of which account is being disputed. 
I have documentation from both companies alleging they have spoke with XXXX XXXX regarding this dispute and that the account was verified. I have requested all documentation used to reinvestigate this account. As it should have lawfully been investigated upon its first reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter rom XXXX XXXX  on XX/XX/2018 re my credit report from accompany I have never heard of called XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX WITH A PHONE AN website address stating my credit score was XXXX  which I was astonished because I had no idea your credit score could even be that low. plus information that is not correct such as too many inquiries and length of time since most recent delinquency too short I called the phone number and they told me I could order report from them ..but I had to provide my full drivers lis, social security and other information that I feel could compromise my credit safety. 
I feel because their information Is in accurate they caused me to not be able to get credit and improve my credit score but my credit score has  never been that low..ever
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair Credit Reporting Act Request under 611 ( a ) ( 7 ), Experian failed to provide Method of Verification for the item listed below within the time set forth by law, .... 

XXXX XXXX XXXX XXXX Open Date XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX ; XXXX XXXX, I XXXX  Open Date XX/XX/XXXX Balance {$1500.00} ; XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Balance {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a credit card dispute on my XXXX  XXXX and it was for " balance paid in full '' about 25 days ago and on XX/XX/XXXX my XXXX  XXXX credit card account was removed from my credit report and I called XXXX  XXXX and explain that I never wanted my credit card and there was glitch on XXXX  report or XXXX  XXXX made a mistake to have my account removed and I was told that I need to put it in writing which I refuse to do because I don't know what to put down ... not its not reporting on XXXX  and Equifax and XXXX  XXXX is unable to honor my request ... I WANT THIS ACCOUNT ' REINSERTED BACK ON MY XXXX  AND EQUIFAX CREDIT REPORT ... 

ACCOUNT NUMBER XXXX  XXXX XXXX XXXX XXXX THIS ACCOUNT HAS BEEN OPEN SINCE XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised that when applying for a XXXX XXXX credit card product, a business, " ARS, '' would produce a report that would be used in determining my qualification for an extension of credit. Using the Internet search engines XXXX and XXXX I 've been able to find suggestions that the full business name is " Advanced Resolution Services , Inc. '' operating within the state of Ohio, and I 've seen suggestions that this is a subsidiary of the XXXX card-processing company. I looked up that business name with the Ohio Secretary of State and can not find a lawful business record of incorporation with that state. I 'm unable to find any additional contact information for this business. Other individuals have suggested that the business deliberately avoids consumer contact to mitigate their regulatory burden -- that is, they make it intentionally difficult for consumers to request a copy of their credit report to avoid the costs of such creations. There is no website for this company, and I ca n't find any way of contacting them by phone to request a copy of my report or information on how to do so. As a consumer, I feel this is unethical, unfair, and possibly in violation of American consumer financial protections.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was showing an inaccurate payment history. This inaccurate information continues to do harm to my credit. This was transferred to another lender so why is it acquiring late fees?
Product: Credit reporting or other personal consumer reports

I am demanding the following item be investigated under FCRA 15 USC 1681i7. These items are reporting as late and this is false. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX and XXXX  XXXX. 

Also I have never received any of the information required in 15 USC 1637b as it relates to 15 USC 1666b. I am expecting a response in 15 days per 15 USC 1681i7 : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Product: Money transfer, virtual currency, or money service

Cashapp has closed my account XXXX for no valid reason. I use this account as a reasonable sending and receiving money to family and friends that are not local to me. There is never any suspicious activity everything is me and valid transactions. I am requesting this account be reopened. As this goes against everything cashapp stands for. There was no communication from cashapp, and I violate my usage of cashapp as its my main source of sending and texting money.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Subject : Formal Complaint Regarding Security Breach To Whom It May Concern, I am writing to file a formal complaint against NBT Bank concerning a serious breach of security that has led to a significant personal financial loss.

Recently, I fell victim to an elaborate online scam that resulted in a loss of {$20000.00}. The incident began when I received an email purportedly from XXXX, claiming that a payment had been processed from my NBT account. Upon receiving this email, I contacted the phone number provided and spoke with an individual named XXXX. He expressed apologies for what he termed a misunderstanding and assured me that he would process a refund for a purchase I had not made. 

During our conversation, XXXX had full access to my NBT bank account details, at no point did I provide an account number or routing number, claiming he would initiate the refund in two separate payments. However, what transpired was alarming : he " accidentally '' deposited {$21000.00} into my NBT checking account. During this call, he expressed concern about potentially losing his job and mentioned he had a family to support. Out of compassion for his situation, I engaged further, believing this was a misunderstanding. 

XXXX then suggested that if I withdrew the mistakenly deposited money, he would send someone to collect it from me at my home. Trusting him, I went to my local NBT Bank and withdrew {$20000.00}, with XXXX providing instructions throughout the process to alleviate any concerns I had. Surprisingly, it was only after speaking with my daughter that I realized I had fallen victim to a scam after handing off {$20000.00} cash. Upon reviewing my account details, I discovered the funds were not deposit from XXXX  but instead using my online banker the scammer had transferred {$21000.00} of my own money from my savings account to my checking account. 

I am devastated by this experience. I did not share my NBT bank information, the scammers had gained full control of my laptop and full control of my NBT online banker accounts, manipulating various functions while I remained on the phone with XXXX. As a XXXX man with a limited understanding of online security, I relied on NBT Banks assurances of a secure banking environment. This incident has not only robbed me of my savings but has also caused irreversible emotional distress, exacerbating my existing health conditions, which include XXXX XXXX and XXXX. 

I have filed a police report with the XXXX XXXX XXXX office, but I feel compelled to bring this situation to your attention as NBT Bank 's protocols failed to protect me during this incident. The security of funds in the bank should be a priority, and I am gravely concerned about how this breach occurred. 

I urge you to investigate this matter thoroughly and take immediate action to enhance security measures to prevent future incidents like mine. It is critical that customers can trust their banks to safeguard their personal and financial information. 

Thank you for your attention to this serious matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or XXXX verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX ( XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and R
egulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, personal loan, or advance loan

Company : XXXX XXXX XXXXXXXX XXXX LendviaXXXX  Complaint : Dishonest or Deceptive Marketing and Engagement Campaigns Company ( ies ) performing targeted deceptive marketing campaigns on behalf of LendviaXXXX. They approached me via messaging that I have already applied for a loan and require additional information. No loan or application has been submitted by or on behalf of myself. The company is gathering information through various means and representing itself as already being engaged with targeted person. 

Company appears to be several companies but in communication claim to be same company.
Product: Credit card

I share an XXXX account with my mother which got hacked. Both our credit cards were used. XXXX flagged and blocked all purchases from our order history because it registered as fraud, but the transactions still went though. All the packages came to our address. We contacted XXXX and tried to return them but they said to donate them. My mother and I both filed a fraud claim our bank, but my claim got denied multiple times and my mothers claim got approved the first time. The bank said they contacted XXXX and that they said a approved the order, but that is false. I have sent the bank official documents from XXXX listing all my transactions and confirmed that they all were unauthorized by me. They also told me they have nothing on their records of my bank contracting then and are waiting for them to settle everything. I even have the entire phone call with XXXX recorded as more proof for my claim. Bank of America fraud department refuse to approve my claim with baseless reasoning although I have all the documents and confirmation from XXXX that all transactions were fraudulent. In addition the bank approved my mothers case even though we had the exact same problem.
Product: Mortgage

Borrower of a Home Equity Line of Credit ( HELOC ) was approved for a Trial Loan Modification on XXXX XXXX, XXXX with an initial 3 month trial agreement that commenced XXXX XXXX, XXXX through XXXX XXXX, XXXX and payments of {$3300.00}. After the initial 3 month trial payments had been made by the borrower, the loan servicing company, Bank of America Home Loans told the borrower to continue making the trial payments until he received a permanent loan modification. The matter was escalated and finally on XXXX XXXX, XXXX the borrower received a package dated XXXX XXXX, XXXX with a " Home Equity Line of Credit Modification '' with instructions to sign and return the agreement by XXXX XXXX, XXXX. Upon calling the Bank of America representative on XXXX XXXX, XXXX to ask for an explanation of the terms of the agreement and to request how the " Trial Loan Modification '' payments from XXXX XXXX through XXXX XXXX would be applied. The Bank of America representative scheduled a follow up call on XXXX XXXX, XXXX and stated that there were mistakes with the calculations of the Home Equity Line of Credit Modification and that a new contract would have to be created, thus the borrower should not sign the agreement. The next call was scheduled for XXXX XXXX, XXXX as Bank of America would have some more details or a new contract. The call on or around XXXX XXXX, XXXX, simply said that no modification would be granted because the borrower never signed the original agreement. The borrower received a letter stating that the loan modification was denied. This letter was received on XXXX XXXX, XXXX but dated XXXX XXXX, XXXX
Product: Checking or savings account

On XX/XX/XXXX, Capital One closed my checking account when I was trying to send a wire out. They said it was because they thought that I was wiring it to a cryptocurrency firm, which was incorrect because I was transferring it to my own XXXX XXXX account. 

They closed my account with no ability to reopen it. They told me they needed to investigate the funds to see if they were good, and would send me the funds once they determined that the funds were good funds. 

XX/XX/XXXX - i called to get a status check, they said i would get the funds relatively soon. 

XXXX - i called again and did not get an updated status check. 

XXXX - i called again and got no estimated time of completion for the investigation. 

XXXXXXXX  - they told me the investigation was still on going and they had no ETA. 

It's now XX/XX/XXXXXXXX  and I still have not heard back from them. They are holding {$3900.00} without any notification of when I'd get it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and saw two accounts that are not mine that I want removed. I am not the primary and should have not been added. I have no access to the accounts and have never had access.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my reportXXXX XXXX {$5000.00} USDEPED XXXX {$5100.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX {$95.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to conduct a proper investigation into my disputes and instead accusing me of using an unauthorized third party to submit my requests. On two separate occasions, I mailed dispute letters to Transunion, disputing inaccurate accounts on my credit report. I made sure to include copies of my photo ID, social security card, and a recent bill with my current address to verify my identity. 
The first letter was mailed on XX/XX/year> ( XXXX certified mail tracking number XXXX ), and I received a response dated XX/XX/year> via mail. 
The second letter was mailed on XX/XX/year>, and I received a response dated XX/XX/year>. 
In both responses, Transunion stated : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' According to the Fair Credit Reporting Act ( FCRA ), Transunion is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that Transunion has violated my consumer rights by failing to investigate my disputes and falsely accusing me of using an unauthorized third party.