23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/year>2024, while on vacation with my family, I attended a timeshare presentation by XXXX XXXX that was advertised as lasting only 90 minutes. However, my family and I were held for over five hours and subjected to high-pressure sales tactics. Despite repeatedly declining their offer, the sales representatives continued to bring out different people to convince me to purchase. 

I was traveling with XXXX children, who became restless and upset due to the extended and stressful situation. In an attempt to finally leave, I stated that I did not have my physical credit card with me. Instead of allowing me to go, the sales representatives insisted that a picture of my card would be sufficient, which pressured me into making the purchase against my wishes. 

After the transaction of {$1900.00} was processed, I discovered that I never received the promised services or access. When attempting to log in, I received an " Access Denied '' message, confirming that I had paid for something that I could not even use. 

I have two adult witnesses who were present for the entire experience and can confirm the coercive tactics, misrepresentation, and unethical behavior of the sales team. I am seeking a full refund of {$1900.00}, as this transaction was made under duress, and the promised services were never provided. 

I appreciate your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the month of XX/XX/2019, apply for a loan at a bank in Puerto Rico. It was denied because an uncollectible debt of a XXXX XXXX XXXX credit card appeared, which I had closed this account more than 10 years ago. I have tried to communicate with them to give me the details of the alleged debt I made at about {$6000.00}. They can not give me information by phone because they have no way of confirming my identity, since they do not use a social security number. I must present myself to a branch and in Puerto Rico there is no presence of this bank. This debt affected my credit, debt that I never had knowledge that I had because the account was closed, must have been fraudulent charges. The loan was not approved because it affected my empiric. XXXX XXXX XXXX does not want to help me, I am XXXX years old and I have always had excellent credit, I am looking for alternatives to help me solve this issue. 
spoke with XXXX from XXXX XXXX XXXX on XX/XX/XXXX. Also with XXXX and the answers have been that I have to go through a branch for account details because they can not confirm my identity with social security or address. The phone number that appears on the system is no longer available. I can't find what else to do, I'm very worried.
Product: Debt collection

NCB MANAGMENT SERVICES Last reported XX/XX/2020 {$4700.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original creditor unfortunately this is the only Information shows on my credit report, don't show account number or a telephone number to call, I already dispute this with XXXX and XXXX it was no response from them please help me to resolve this thanks
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I sent an email to Cash Central on XX/XX/XXXX stating I was revoking my authorization for them to debit any money out of my bank account. I received a confirmation email from on XX/XX/XXXX stating " My ACH has been revoked, and to disregard automated emails I received from them in regards to payments coming out of my account ''. On XX/XX/XXXX Cash Central debited {$55.00} out of my account which was not authorized by me and then on XX/XX/XXXX Cash Central debited {$480.00} out of my account again, which was not authorized by me. I sent them an email after the unauthorized debit on XX/XX/XXXX they claimed they would refund my money and did not instead they debited almost {$500.00} more dollars two weeks later. I have repeatedly sent them emails stating I want my money returned to my account and they have yet to do it. I am attaching to this complaint my emails I sent revoking my authorization and Cash Central 's emails stating it had been noted along with copies of the transactions they illegally did from my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX hard inquiry XX/XX/XXXX XXXX XXXX XXXX hard XX/XX/XXXX XXXX XXXX XXXX XXXX collections paid and closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiry XXXX XXXX XX/XX/XXXX Hard inquiry XXXX XX/XX/XXXX Hard inquiry XXXX XX/XX/XXXX Hard Inquiry XXXX XXXX XX/XX/XXXX Hard inquiry, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Spoke with the companies and the bureau and they could not find any information. Also the bureau advise me to fill out form reporting fraudulent activity. I did not not authorize any of these companies to my credit report, Im unaware of my information being use when I have had a lock on my accounts including fraud alerts
Product: Credit card or prepaid card

Spoke with a card services member with contentinal finance. About a payment I had scheduled on XX/XX/XXXX using my XXXX  / checking account with XXXX XXXX XXXX XXXX. Contentinal finance told me the transaction was declined due to no funds. I contacted XXXX XXXX and was I formed I have over {$300.00} in my account and XXXX declined transactions since XXXX. I verified multiple times that there are no account restrictions on my account. I then called contentinal finance ( verve card ) back informed them about the information XXXX XXXX gave me and even verified all account information with contentinal finance i was then told different stories about my bank beinf the issue and the. Was told they are getting an error code telecheck nfts not offered. Contentinal finance then informed me telecheck was blocking my transaction from processing and advised me to contact them. I explained to contentinal finance that my bank is not declining anything as it would show on their records. Contentinal finance then told me I was late and needed to pay the late fee due to the declined transaction on their end and the interest included. They informed me nothing was wrong on their end and refused to check/take action to verify their system is intact.
Product: Checking or savings account

On or about XX/XX/XXXX, PNC Bank ( PNC ) put a hold on important funds {$4200.00} saved from Social Security checks of my late mother. I was her Representative Payee until her death on XX/XX/XXXX, and the funds came from a checking account {$2200.00} and a savings account {$1900.00}, which amounts were combined into one checking account on XX/XX/XXXX. On XX/XX/XXXX PNC withdrew {$19.00} to pay for printing a book of checks. On XX/XX/XXXX I deposited {$10.00} in the account to keep it active. A pending status was placed on the account on XX/XX/XXXX. The hold prevented my giving the saved benefits after death to the legal representative of the estate, a court appointed Administrator. PNC prevented access to the funds thus interfering with plans of the ( primary ) executor designated in the Last Will & Testament to  pay outstanding medical bills incurred during her care with the funds and forwarding any remaining amounts to the ( primary ) executor. PNC refused or failed to disburse the funds to the attorney for the estate in the fall of XXXX and/or to the Administrator in XX/XX/XXXX. 

PNC has not allowed the account to be closed because of the pending status. PNC has continued to control the funds denying the estate investment opportunities to earn interest at the prime rate therefrom.
Product: Debt collection

Vital Recovery Service will call my cellphone 3 to 4 times a day. Monday thru Saturday. Once I even received a call on Sunday.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as falling to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as falling to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer.
Product: Student loan

This is our second complaint regarding our Navient Private Student Loan for the defrauded XXXX XXXX. After our initial complaint, we finally did receive a School Misconduct Discharge application from Navient and immediately filled out the long form. ( XX/XX/XXXX ) We mailed a copy and also faxed a copy to Navient, just to make sure they received the form. By our request, our loan was put on forbearance, pending review for loan forgiveness In XXXX, we were informed XXXX took over the loans from Navient and our payment was due on the XXXX of the month, once again. I emailed Navient to ask the status of our application and their reply was Please be advised XXXX is your new student loan servicer and you need to contact them with any questions. ( XXXX XXXX, XXXX ) We began making payments to XXXX. ( Please note that on the XXXX log in, our loan has a red printed note, just as Navient login did, saying that our loan forgiveness is pending ) We contacted XXXX via phone. ( XXXX. XXXX, XXXX ) We were told Navient noted that they sent us the determination letters a few months ago. We never received any letter, nor did our son. We asked XXXX what address it was sent to? The lady responded " it says letters were returned from our address in XXXX and XXXX. '' Our son lived one year in XXXX in XXXX during college and we never lived in another country!!!! How could these determination letters not be sent to the address on the submission? 
We asked XXXX to put our loan on forbearance until we get answers from Navient. We are requesting the formal decision letter be sent to our home address on the forgiveness application. 
We were notified ( XXXX, XXXX ) by the Dept of Ed that the XXXX XXXX XXXX student loans were forgiven and we will be refunded by the provider but we also have not heard anything from either loan providers, also. 
Thank you. 
XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my federally protected rights to privacy and confidentiality! Under 15 USC 1681. 

I previously told XXXX, Transunion and XXXX to reinvestigate these 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 All 3 agencies stated these accounts were accurate, but thats not possible because there are major inconsistencies with open date, date of last activity, and high balance when I compare my 3 credit reports.

According to USC 1681 section 5, the agencies MUST modify any account that is not reporting accurately.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 ( a ) ( 5 ) : NO consumer reporting agency may make ANY consumer report containing any of the following items of information : any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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. 

FURTHERMORE, I have evidence to prove these agencies ( Transunion, XXXX and XXXX ) are not in compliance with Metro 2 standards, the standards that they themselves created!
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a credit card opened without my knowledge or authorization. The credit card company is XXXX XXXX XXXX XXXX. My account was crossed referenced with someone else for a few years so I was unable to access my report. After finding out the account appeared on my credit I reached out to XXXX XXXX to close the account in XXXX. They then reported the account as 30 days late in XXXX after a credit dispute with XXXX also in XXXX, it was updated to closed again in XXXX. I have initiated disputes with XXXX, XXXX and Transunion. There is missing data from XXXX that I brought to the attention of the fraud specialist at XXXX. They allowed XXXX XXXX to report the account was 30 days late on a closed account then they allowed then to close the account again. When I disputed the account I included a FTC identity theft affidavit also.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( XXXX U.S.C. XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an XXXX XXXX  account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$590.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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 reporting

I have for the last XXXXXXXX years been billed for credit monitoring thru transunion and XXXX. The amount billed to me monthly is XXXX. The score reported thru transunion and XXXX has never matched the score reported to financial institutions when I applied for a loan and they pull their own report. This makes absolutely no sense. If I am told I have XXXX credit score and everyone publically states on websites and commercials " know your score '' then why is the score they tell me I have under the repirt they give me any different from the report these XXXX credit services give to lenders? 

Exactly how many credit scores does a person have? 

This is rediculous and not explained to me by the reporting agency or lenders at all. 

What was the point of paying for this if the information isnt the same? 

XXXX score should mean exactly that. 

And these companies control the info as to who gets a loan and at what rate because of the scores they generate. Apparantly different depending on who is asking for it ... its utterly confusing and misleading and rediculous. XXXX credit score should mean XXXX credit score period. 

I cancelled my transunion subscription tonight only to be told by the transunion rep that it wont be cancelled until another 10 days from now??? And it took me 10 mins of saying no to various " can we keep you for this reduced price or other service '' questions not to mention talking down to me that I will lose a life lock monitoring service if I leave them .... ummm ok done means done and cancel means now not 10 days later. 

Paid for nothing in my opinion. Complete waste of time and money. 

And the reporting of different scores depending on if you are an individual vs a lender is completely misleading, confusing and upsetting! XXXX score should mean exactly that. This whole system needs a review and makeover!
Product: Consumer Loan

I opened a complaint against Santandar a few months ago. They claimed that they would be sending the dealership a check for {$800.00} payable in my name and the dealership 's name to reimburse me for payments made on a loan that was " unwound ''. I did not submit a response because I was waiting on this check to be sent and to be reimbursed. The dealership claims that they did not receive a check from Santandar for {$800.00} or any other amount. I need proof that this check was sent to the dealership. If it was not sent, I need payment sent immediately and would prefer to have it sent directly to me so that I do not have to deal with the dealership about this matter. The old case number : XXXX. I could not respond to it so I started a new complaint. 

Santander 's original response is attached to this complaint. In that response Santandar states that we were supposed to continue to make payments until the vehicle was bought back by the dealership, but Santandar 's customer service representative specifically told me NOT to make payments. This is the reason that I stopped making payments, and, ultimately, the reason that the vehicle was repossessed. 

Also, during this time, when the vehicle was repossessed and sent to auction in the middle of the dealership buying the vehicle back, I was not given the option to take my license plate off of the vehicle to turn into the DMV. I assumed that the repossession company had done so and dropped the insurance on the car since it was not in my possession for 2 months. Because the license plate was not removed and turned into the DMV, my husband has a flag on his license for {$270.00} because there was no insurance on the car for 2 months. It also took the dealership 2 months to get the car released from the auction site that Santandar sent my car to. The dealership drove to the auction site ( in another state and more than 1 hour away from our location ) more than once to pick the car up after buying the car back and the person was turned away and told that Santandar still owned the vehicle. Finally after two months of this nonsense, the car was released to the dealership. The car was released with no license plate, the break tag sticker gone, the oil change sticker gone, a piece of the console missing, and missing paint on the front bumper. 

Thank you, XXXX and XXXX ( XXXX ) XXXX
Product: Consumer Loan

In XX/XX/XXXX I took out a loan with Regions Bank for the purchase of a personal vehicle. Over the course of the loan there has been a couple issues with payments not being applied correctly or in a timely manner. 

On XX/XX/XXXX I submitted vehicle loan payment to Regions Bank for the amount of {$800.00}. Approximately one week later Regions Collections dept called and advised that they have not received payment and needed payment to be submitted at once to keep the account from going to collections. At this time I contacted my bank ( XXXX ) and received a proof of payment AND a copy of the check that was sent to Regions. This copy of the check was endorsed/signed. This info was provided to the collections department ( XXXX ) on XX/XX/XXXX. XXXX advised that she was going to have to escalate this issue and have it investigated by Regions. XXXX also advised that Regions would contact me and let me know the status of this issue. On XX/XX/XXXX I contacted the collections dept again and was told that they still did not have any resolution and I should speak to a supervisor. I was given the name of XXXX and spoke to him on Monday XX/XX/XXXX. He also advised that this was going to need to be investigated by the Region team and to call back on XX/XX/XXXX. At this time XX/XX/XXXX I also submitted a copy of the proof of payment and a copy of the endorsed check to XXXX. On XX/XX/XXXX I contacted XXXX regarding the issue with this account. He stated that Regions did look into the account even after reviewing the XXXX supplied Proof of Payment and copies of the check Regions will not apply the money to my account. Regions stated that it is up to me " XXXX '' to prove to Regions that the check has been cashed. 

Regions has provided no assistance in correcting this issue other than advising me that they supposedly do not have they money and I need to prove to them that they have the money before they will apply the payment to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account with Toyota was in a bankruptcy that was dismissed when the bk was dismissed I sent in the payment to pay in full how Toyota is showing i was XXXX  days late and XXXX late... also they're reporting old late pays that should of been removed from credit... I want to to update my credit report or show when my bk was dismissed versus when I paid in full
Product: Checking or savings account

On XX/XX/18 at XXXX XXXX I deposited {$800.00} cash into a Chase ATM Instead of the cash being deposited into my account the ATM said We Hit A Snag, To be sure your deposit went through please visit one of our branches or call us at XXXX. XXXX. I called the number and they told me that they would have to investigate and would give me a temporary credit for that amount ( which they did ). However almost a month later, the matter has still not been resolved when I call back they tell me that the credit is still temporary I have also emailed asking how long until this investigation lasts and have received no answer on that time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX BANK 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I've told this company multiple times to remove the late payments from my consumer report and they REFUSE.