23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I mail a certified signature letter on XX/XX/XXXX regarding Santander Consumer to alleged validate the debt I owe, request a Auction Sale Receipt and XXXX. Santander received it on XX/XX/XXXX sign by XXXX XXXX. You clearly stated you received a letter on XXXX XXXX. Which is incorrect and misleading. The return receipt, a copy of which I enclosed, was signed on ( XX/XX/XXXX ) by XXXX XXXX. So how did you receive a dispute letter on XX/XX/XXXX when I have proof of it being sign on XX/XX/XXXX by XXXX XXXX? You stated you took repossession of the vehicle at on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, GA XXXX where I live. So how is mail going to XXXX XXXX XXXX XXXX XXXX, GA XXXX?, when clearly thats not where I lived nor never live. Georgia Code Section 10-1-36, The lender must notify you of your rights to redeem the car within 10 days of repossession which Santander Consumer USA failed to do. Never send anything certified mail of date, time and location of sale to my address at XXXX XXXX XXXX XXXX XXXX, GA XXXX where the repossession took place. Santander Consumer USA failed to send required notices, follow certain GA rules so my attorneys will be sueing company for damages. More than thirty days have passed, and I have not yet received proof that you have validated the debt, or send original copy of Auction Sale Receipt and XXXX. Please be advised that by law your company is required to respond to my request within 30 days. Today is XX/XX/XXXX and havent received a validation of the debt you say I owe, Auction Sale Receipt and XXXX. Your company has failed to follow such guidelines and is in violation of the Fair Credit Reporting Act and may be reported and investigated under these circumstances. Therefore, in accordance with s.1629e ( 8 ) of the Debt Collection Practices Act, which clearly states that any information known to be false, inaccurate can not be reported to any credit bureau , I request that you immediately delete this information from my credit report on XXXX , XXXX   and XXXX .
Product: Checking or savings account

I was wrongfully had my account closed on XX/XX/2022 by the fraud department of Bank of America. The female personnel of the Fraud department asked me a question harshly and rudely. I was the victim of a fraud who deposited three separate transactions equal to {$890.00}. I received a phone call from this fraud and I really thought it was legit. He send me a website in my cell phone and I opened it up, there was the actual form which I filled. I thought this form was actually legit. Then he called again and send this money in three separate transactions which came to a total of {$890.00}. This fraud stated not to touch the {$890.00} from my checking account. Then this fraud wanted me to go to XXXX and give him a call. I told him I was not feeling well, but then I thought about this process overnight and did not feel right about it. I called the real XXXX XXXX company and found out this man was a fraud. The loan was actually has been denied. But I was having issues with Bank of America online bankers not stopping the four lenders and all the money was taken including the {$890.00}. I received a negative balance. I told them to stop the allotment a week prior. The Bank of America online bankers did not credit me from XXXX XXXX for {$480.00} and then the second creditor which the online bankers failed to stopped is XXXX XXXX XXXX was taken the amount {$550.00}. That is the total of {$1000.00}. I had four lenders added to my XXXX XXXX ( Consolidated Debt Program ). When I attempt to call for the third time the woman from the fraud department called me rudely and boldly without trying to find out what really happened at my end. She harshly closed my account. I knew that there were communication between the online bankers and the fraud department. I am currently hurting financially because I do not have access to my funds from Bank of America. I was treated unfairly and I am truly am the victim. I had to call everybody from the Lease manager, utilities, insurance, etc. that was effected by this closure. The branch of Bank of America is in the process of trying to help me status with the status of my funds that was left in my account.
Product: Credit card

I was a customer of XXXX since XXXX and my account became linked to Paypal credit in XXXX. I called a few time to have my APR lowered and was denied. During this time, my account was in good standing. Recently, I have been undergoing a financial hardship and reached out to all my credit card accounts and was immediately enrolled in hardship programs. Except Paypal credit, they have refused to work with me and only offered me assistance once I am 90 days past due in the meantime my account has incurred late fees and interests and they negatively reported me to the credit bureaus affecting my credit score and adversely affecting my home and auto insurance rates.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I am Filling 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 measures to prevent 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 the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations.
Product: Debt collection

Trans world systems. This company has been calling for over 2 years and overtime I have asked to remove me they state that it will take 24 hours and call me right back the same day and the day after. They call every day even after i called for a week straight to request to be taken off and they say the same thing. They are calling asking for a person we do n't know.
Product: Credit reporting or other personal consumer reports

Charge offs on my debit card false credit reports unauthorized usage of my credit
Product: Vehicle loan or lease

My vehicle was damaged in a hail storm. XXXX XXXX sent me a check payable to myself and Capital One for {$3100.00} which was more than the payoff. I endorsed the check and sent it to Capital One to payoff the loan. They applied the payoff payment for {$1700.00} on XX/XX/XXXX ; reversed it on XX/XX/XXXX ; reapplied a payment for {$2200.00} on XX/XX/XXXX leaving a credit balance ( overpayment ) of {$450.00}. They reversed the {$450.00} and sent me a check. The website also stated that a check in the amount of {$910.00} ( {$3100.00} - {$2200.00} ) was being processed to be sent to me along with my title release. On XX/XX/XXXX the {$2200.00} was reversed and they showed me past due. I spoke to Capital One on XX/XX/XXXX and they said the check had been returned unpaid by XXXX. I called XXXX and they stated the check had not been returned. I called back Capital One and after about an hour and speaking to 3 people - I was assured the return check would be mailed to me within 3-5 business days. In the meantime I made an additional payment for the last dues amount and the upcoming XXXX payment ( {$920.00} including a late fee ). Within that time period of XXXX days I have received the {$910.00} check which was previously mentioned and a letter stating my title was released.
Product: Credit card or prepaid card

On XXXX XXXX, 2018, I applied for the American Express Gold credit card online via a referral link my friend sent me and got instantly approved. The process was smooth and I clearly remembered I did NOT receive any " pop-ups '' saying I would not be eligible for the welcome offer ( as Amex customer service later claimed I should have seen ) during the process. To confirm I was eligible for the welcome offer, I even went ahead and gave a call to Amex customer service on XX/XX/2018 XXXX - they confirmed I was on track to receive the bonus and gave me an offer progress number : XXXX. 

I have spent far beyond the requirements but did not receive any of the promised rewards. On XX/XX/2018, I contacted Amex asking for why I was not issued the rewards and was told my offer was declined because of " misuse of credit card ''. I escalated the call several times and they were unable to tell me what exactly cause the " misuse ''. 

What Amex has done was very deceptive : 1. If they determine a customer would not be eligible for the offer, they should inform the customer before they conduct the credit check and approve the card. The credit card market is very competitive and customers have many choices other than Amex. From a customer 's perspective, what Amex has done is fraud. And it has gained Amex an unfair advantage in the credit card market. 

2. What is worse than not informing the customer when they applied is : to tell customers they are eligible when they are trying to meet the requirements and then tell them they are actually not eligible after they have met the requirements. I don't know if Amex is  doing this on purpose. If they are, it looks 100 % fraud to me. 

American Express posted on their website for the Amex Gold credit card : " Earn XXXX Membership Rewards Points '' and " Receive 20 % back as a statement credit, up to {$100.00} per Card account, on dining purchases at U.S. restaurants for the first three months of your Gold Card membership ''.
Product: Credit card

On Monday, XX/XX/year>, I stopped at a gas station to fill my gas tank up before taking my son to his XXXX XXXX  I put the card under my leg and when I got out of the car at the field, my Truist credit card fell to the ground ( unbeknownst to me at the time ). Someone picked up my Truist credit card and began using at at merchants close by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Because I work from home,  I did not try to use my Truist credit card in person until Friday, XX/XX/year>. At that time I realized what I had done, I dropped my credit card after getting gas. I immediately called Truist bank and asked to cancel my credit card. At that time, I noticed IN PERSON purchases from the merchants mentioned above which were not made by myself. I work from home and RARELY use my credit card IN PERSON during the work week. The purchase that triggered was the XXXX  ( I have a XXXX credit card and I would not use my Truist credit card at XXXX, I would use my XXXX XXXX XXXX ). I also would not use my credit card in person during the work week and any of the other merchants except XXXX XXXX ( gas station ). I also recognized purchases made by the other merchants mentioned above totaling {$480.00} which were fraud charges from my credit card being stolen. I have pleaded with Truist bank, and they have denied my claim twice asking to remove these fraud charges from my account. I have been a BB & T/Truist client for 20 years and dont believe I have ever made a fraud claim. I pay my full credit card balance on time every month in order to remain in good standing and avoid interest charges. I am baffled and saddened as to why my claim has been denied. I am asking for assistance with removing these fraud charges and the interest accrued from my Truist credit card account, so that I can remain in good standing with Truist. Thank you.
Product: Student loan

My original lender was XXXX XXXX and my loans were turned over to Navient where they went through several changes without my consent. They have gone from subsidized to unsubsidized repeatedly without any explanation. They are listed multiple times on my credit report. They are listed as XXXX XXXX, XXXX, and some as Navient. They each have multiple listings for the loans and I ca n't make any sense of it. I have been turned down by lenders due to the inconsistency on my credit reports with my student loans. Under the Navient website they have multiple loans for multiple amounts which I do not recall taking out, many of which have the same disbursement dates which I do n't understand if it was disbursed on the same day then why is n't it just one loan instead of multiples? This is very misleading, confusing, & I feel taken advantage of. I have been pushed into forbearance for years as my only option not knowing that outlandish amounts of interest was accruing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied health insurance because of Experian. I sent over identity documents to Experian. I am victim to identity theft, and recently compromised information. I tried multiple time to obtain my credit reports online, unsuccessfully. I sent in written letters and nothing mailed to my address. I called Experian at least 10 times. I discovered according to my credit file, that I do not have access too via identifying for a call with a representative, that potentially have retail credit card, auto loan with small credit union, and credit cards. I can not pass the identity checks to request my personal credit report via phone. My Experian credit report is inaccessible to me. I have no knowledge of these accounts. If this information is true, someone is fraudulently using my information to obtain accounts, health insurance, ect. What Experian has done has caused immense damage to my life, including lack of employment, health benefits, government benefits, unable to obtain a place based on my credit score with Experian. Unable to get in touch Experian because of possible identity theft and unable to verify identity online.
Product: Debt collection

Midland Credit Management has incorrect information on my XXXX, XXXX  and XXXX credit reports. This incorrect information is hurting my credit score and my ability to get a home mortgage.
Product: Checking or savings account

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I and people I know were approached by a " investigating officer '' pretending to be XXXX XXXX from Bryant & Bryant & Associates pretending to represent XXXX XXXX XXXX with fake case number and claimed to need to make payment arrangements under penalty of Law. After setting up 75 biweekly payment got a call from a family member that it was a scam. I went to My representative at local XXXX XXXX XXXX location who verified it was a scam and cancel my debit card immediately. the scammer phone XXXX registered from XXXX Tx.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX Amount $ XXXX collections Account # XXXX amount {$430.00} The XXXX XXXX XXXX XXXX Account # XXXX, Account # XXXX Amount {$220.00}. XXXX collections Account # XXXX Amount {$480.00} has violated my rights. 

15 U.S.C1681 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 account without my written instructions.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT THEY OPENED ACCOUNTS IN MY NAME FRAUDULENTLY, AND MADE MULTIPLE FRAUDULENT INQUIRIES
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries and a late payment I disagree with and a collection account I believe that is not mine
Product: Credit card or prepaid card

I HAVE BEEN A MEMBER OF AMERICAN EXPRESS FOR 36 YEARS. MOST RECENTLY MY ANNUAL MEMBERSHIP FEE HAD BEEN {$55.00}. ON XX/XX/2020 I RECEVIED MY MONTHLY STATEMENT WHICH SHOULD HAVE HAD A CREDIT BALANCE OF XXXX CENTS. TO MY AMAZEMENT, THERE WAS A ANNUAL MEMBERSHIP FEE OF {$150.00}. THATS A {$90.00} INCREASE. WHEN I CALLED INTO AMERICAN EXPRESS TO LODGE MY COMPLAINT, I FELT LIKE - O WELL THAT'S WHAT IT IS. I WAS ALSO INFORMED THAT THEY EMAILED ME A NOTICE OF THE INCREASE. I REVIEWED MY EMAIL, SPAM AND TRASH FOLDERS AND THERE WAS NO NOTIFICATION IN ADVANCE UNTIL I RECIEVED MY MONTHLY BILLING STATEMENT. 
I UNDERSTANT THE POSSIBLE NEED TO INCREASE RATES, BUT NOT TO THE DEGREE THAT OCCURED. 
I WOULD BE INTERESTED TO UNDERSTAND IF YOU HAVE RECIEVED ADDITIONAL COMPLAINTS ABOUT AMERICAN EXPRESS. I AM REALLY DISAPPOINTED SINCE I ENJOYED THE SERVICE THEY HAVE PROVIDED FOR THE LAST 36 YEARS UNTIL NOW.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the accounts below : 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

Equifax did not protect my personal information and allowed hackers to obtain info to use improperly. 
The company failed to notify me for 41 days.
The CEO and other company officials cashed in stock during this 41 days before the stock went down. 
Major credit reporting should be broken up under our anti trust laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Early Warning is reporting I owe XXXX  XXXX  XXXX for unpaid account this is incorrect. I don't owe XXXX  XXXX XXXX money.
Product: Checking or savings account

XX/XX/year> I made two deposits. The first deposit was at XXXX in the amount of {$74.00} from XXXX XXXX via instant transfer. The second deposit was made two minutes later at XXXX in the amount of {$31.00}. Both transactions were cleared and reflected in my checking count XX/XX/XXXX. XX/XX/year> when I open my account my balance showed {$1.00}. I contacted Navy Federal Credit Union & was informed that they could not help me because they did not see the transfer to my checking account.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I might consider suing your company because you're not fixing the frauduelnt account on my credit report, breaking the law ( Fair Credit Reporting Act ). XXXX agreed to remove this account because they know that this account is fraudulent. See attached.
Product: Credit card

On XXXX XXXX I received notification from a 3rd party app that my credit line on Chase was reduced.. I did not receive any proactive notification from CHASE regarding that this change may be forthcoming. I contacted CHASE and told them the complete facts of my situation that I recently got married and that I have never been over limit or late on any of my payments however they stated that I would not get my old limit back. Unfortunately this has created a domino effect regarding my personal life as now all credit bureaus now feel that I am maxed out on these XXXX particular cards and that my situation has turned dire. My utilization which did admittedly get higher because of a recent marriage and all of things involved such as the ceremony now will get even worse causing all of my other lenders to thing I am not living up to my obligations.
Product: Credit reporting or other personal consumer reports

I have tried to dispute with portfolio recovery and they have not validated the debt. I have requested XXXX, XXXX and XXXX to remove this in accurate information but they keep on posting it back after removal. Please assist I'm really frustrated at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's many inquires on my report inwhich I have no knowledge of and if I can not be provided with physical documentation of the following then I'm asking for them to be removed as stated in the FCRA rule of law, not to mention I been a victim of fraud, here are the following inquiries in dispute, # 1 ( XXXX XXXX, XX/XX/XXXX ), # 2 ( XXXX XXXX, XX/XX/XXXX ), # 3 ( XXXX XXXX, XX/XX/XXXX ), # 4 ( XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX ), # 5 ( XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX )