23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was issued a card from XXXX This site is owned by Blackhawk Networks and is currently the subject of a class action lawsuit for a massive data breach. This company has a 97 % negative rating at various sites like XXXX XXXX for a series of tactics designed to prevent consumers from being able to use the card. These cards are often issued to consumers by airlines which is where the bulk of complaints come from. My card is activated yet declined everywhere. I was unable to add the card to XXXX XXXX. Their app, whose sole purpose is to facilitate this doesnt work and appears to be a trojan that collects personal information from devices. Ive spent 3 hours on the phone with them, and that phone system which is often down is designed to prevent consumers from resolving issues. Once I was able to speak to someone, they were unable to provide me with information about where the card is accepted despite telling me it only works at certain retailers. This is despite it carrying a XXXX logo. The site is deliberately misleading, and despite my having an activated card and access to the card number, XXXX and expiration date both the site and the company tell me I had to create an account, and provide them with personal information to use it. That has had no affect, but their terms of use states that they will use this information for marketing. This is for a pre-activated digital card I was given as a gift. Their customer service people have also demanded information about the computers that I own, operating systems, etc. My experiences are very similar to other peoples. The case I opened with the company was automatically closed with no resolution. One of this companies other sites, giftcards.com suffered a major data breach in 2020. I believes that this company relies on a tactics to ensure that a certain percentage of consumers will give up on getting their money which Blackhawk will then pocket.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has continue to report negative items on my credit report that do not belong to me. They have sent me paperwork indicating that they are no longer on my report, but still have them there which is against the law. The following accounts need to be removed form my Experian report as they are not mine : 1. XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX. # XXXX 3.  XXXX # XXXX 4. XXXX. XXXX XXXX # XXXX 5. XXXX. of XXXX # XXXX 6. XXXXXXXX XXXX   XXXX # XXXX 7. XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently viewed my credit reports/files from XXXX, Equifax, and XXXX. All 3 of the credit reporting agencies are reporting XXXX collection accounts from XXXX XXXX XXXX XXXX : 1. $ XXXX acct # XXXXEquifax acct # XXXX XXXX 2. $ XXXX acct # XXXXEquifax acct # XXXX XXXX This information is inaccurate and is causing a negative impact against my reputation. I do not and have never had a contract with XXXX XXXX XXXX XXXX XXXX is reporting this alleged debt as past due even though I have never been contacted regarding this matter. Furthermore, I did not give my consent to XXXX XXXX XXXX to have or purchase any information about me.
Product: Credit reporting or other personal consumer reports

My credit report inaccurately reflects late payments. Kindly adjust these errors to align with my usual payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The  XXXX  account with an opened date  XXXX   XXXX ,  XXXX , do n't belong to me and should not be listed on my  XXXX , Experian or  XXXX   XXXX  credit report. The following credit inquiry is fraudulent and unauthorized :  XXXX   XXXX ,  XXXX   XXXX ,  XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 Section 602 ( a ), consumer reporting agencies like TransUnion, Equifax, and Experian have a responsibility to be fair, unbiased, and respect my privacy as a consumer. I have the right to ensure my private information is not shared. This is supported by 15 USC 6801, which says that financial institutions must protect their customers ' private information. XXXX XXXX, which provides information to credit agencies, is considered a financial institution under this law. 

15 USC 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can only share a consumer report if they have written permission from the consumer. XXXX XXXX  and the credit agencies do not have my consentwritten or otherwiseto share my information. I am officially revoking any past consent, whether verbal, implied, or written. 

15 USC 6802 ( b ) ( c ) says that a financial institution can not share private information with a third party unless the consumer is informed and given the chance to opt out. XXXX XXXX  never gave me this option. Additionally, 15 USC 1681C ( a ) ( 5 ) states that consumer reporting agencies can not include adverse information on a report if it is older than seven years, except for criminal convictions. This account is an adverse item being reported again without my permission, which is illegal. 

15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) states that a person should not report information to a credit agency if they know or have reason to believe it is incorrect. 15 U.S. Code 1681e also requires consumer reporting agencies to have proper procedures to ensure they comply with these rules. TransUnion, Equifax, and Experian are failing to do so. Additionally, 12 CFR 1016.7 states that a consumer can opt out at any time. I am officially opting out of your reporting services.
Product: Debt collection

ONCE AGAIN XXXX XXXX  IS BREAKING THE DODD-FRANK ACT! THEIR COLLECTION CONSORTIUM ROBO CALLED MY DAD COLLECTING A INVALID DEBT FROM XXXXREPORTING ON EXPERIAN HIDING IN INSTALLMENT LOAN SECTION. 

WE HAVE 11 ROBO CALLS ON TAPE AND NOW STARTING CLASS ACTION LITIGATION. SEE SCREEN SHOTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7500.00} ; XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card or prepaid card

I purchased a trip through XXXX on XX/XX/XXXX for a vacation to XXXX XXXX leaving XX/XX/XXXX and returning XX/XX/XXXX. I paid XXXX for the trip with my Citibank credit card on XX/XX/XXXX. XXXX canceled the trip and say they refunded my money but I was never refunded. I issued a dispute with Citibank and they turned down my request for a refund of my money. See below from the XXXX  site under my itinerary. 


Canceled On : Sat, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tel : XXXX XXXX XXXX Room Type : Run Of House Rooms All-Inclusive ( ROH ) Check In : Sat, XX/XX/XXXX, XXXX XXXX  Check Out : Thu, XX/XX/XXXX, XXXX XXXX   Rooms : 1 Nights : 5 Occupants : 2 Adults Promotion : Up to 65 % Off With XXXX XXXX  Guest Request : Celebrating 18th wedding anniversary. Something romantic upon check-in if possible. 
Note : Guest requests ( specific bedding, adjoining rooms, smoking preference, etc ) are delivered to lodging partners as a request only, and are not guaranteed as a part of your booking. Hint : If specific bedding is required, it should be included in the Room Name ( e.g. King Suite ). If you have questions, please call Guest Support at XXXX. 
Your Activity Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Canceled On : Sat, XXXX XXXX, XXXX XXXX XXXX  Rate Plan : Adult ( Ages 11 & Up ) Quantity : 2 Status : Canceled Roundtrip Transfer from XXXX XXXX ( XXXX ) Airport to XXXX XXXX XXXX Canceled On : Sat, XXXX XXXX, XXXX XXXX XXXX   Rate Plan : Per Person ( All Ages ) Quantity : 2 Status : Canceled Payment Details PromotionUp to 65 % Off With XXXX XXXX Nightly Average {$400.00} Taxes & Service Fees {$420.00} Total Amount Of Vacation : $ XXXX ( total amount charged ) Full Payment {$2400.00} Date : XX/XX/XXXX, XXXXPaid : Yes XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ADULT {$330.00} Date : XX/XX/XXXX, XXXXPaid : Yes Roundtrip Transfer from XXXX XXXX ( XXXX ) Airport to XXXX XXXX XXXX  XXXX {$81.00} Date : XX/XX/XXXX, XXXXPaid : Yes Cancellation Refund ( - {$2400.00} ) Date : XX/XX/XXXX, XXXXPaid : Yes Cancellation Refund ( - {$330.00} ) Date : XX/XX/XXXX, XXXXPaid : Yes Cancellation Refund ( - {$81.00} ) Date : XX/XX/XXXX, XXXXPaid : Yes
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received my credit report with a wrongful charge by XXXX XXXX on behalf XXXX XXXX XXXX XXXX  under my name. It states that a line of credit was opened on XX/XX/2022 in which I have not opened, signed for or authorized in any way. 

My daughter XXXX was living at the address this loan is associated with and in which I co-signed for her lease, but I never authorized taking out a loan from XXXX XXXX and didnt even know of such thing existing until I received my credit report. 

Furthermore, XXXX was trying to pay the amount owed of {$910.00}, but there is no way of doing so on the app that is used for such and weve tried calling and emailing the company, but you get the run-around. Company does not answer phone. They direct you to email support and then you get no response.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX, I was born on XX/XX/year>, my social is XXXX. I live on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, my phone number is XXXX, my email is XXXX. Please use my correct information. I need to display my correct information. Thank you for assisting me with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Asset Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 account without my written instructions.

15 U.S.C 1692 Section 805 A. States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer.

15 U.S.C 1693 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse or harass at the called number.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

-any state territory possession of the United States , the district of Columbia , the Commonwealth of Puerto Rico or any political subdivision of any of the foregoing.

15 U.S.C 1692 b ( 5 ) not use any language or symbol on the envelope or in the contents of any communication affected by the mail or telegram that indicates that the debt collector is in a debt collection business or the communication relates to the collection of a debt.

15 U.S.C 1692 C ( A ) Without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.

15 U.S.C 1692 d ( 2 ) the use of obscene or profane language or language the natural consequences of which is to abuse the hearer or reader.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from equifax, XXXX, and XXXX and have noted following discrepancies : Amerifinancial solutions Date open : XX/XX/2022 {$1400.00} XXXX XXXX XXXX Date open : XX/XX/2022 {$970.00} XXXX XXXX XXXX Date open : XX/XX/2022 {$510.00} XXXX XXXX XXXX Date open : XX/XX/2022 {$540.00} XXXX All these above references were removed from my report, and as of yesterday they were put back on
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing Complaint due to the fact XXXX, Transunion and XXXX fail to keep proper and accurate records of my Credit reports. I have been the victim in the past of identity theft, and reported such report to the XXXX major Credit bureaus and the secondary ones like XXXX, XXXX and XXXX. To date despite me writing and requesting a RE-investigation to Transunion ; Transunion continues to send me post cards of " unacceptable proof of Address '' and various requests what appears to be delay tactics which in turn is hurting my credit scores and ability to make purchases in my correct credit rating. DUE TO THE FACT XXXX and Transunion fail to keep 100 % ACCURATE information and proof of verifiable and true reporting. To date Transunion still reports false allegations that the US Courts is a furnisher on my credit report, which is 100 % INACCURATE AND FALSE according to the Court. And UNDER the Fair Credit Reporting Act ( FCRA ) XXXX, TRANSUNION and XXXX credit reporting bureaus is VIOLATING my federally and state protected consumer rights to privacy and confidentiality under 16 USC 1681 and 15 USC 6802 ; The law clearly states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a fraudulent charge on my account in the amount of $ XXXX. I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit bureau act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnishing account without my written instructions under 15 USC 166B a creditor may not treat a payment on a credit card account under open Consumer credit plan as late for any purpose
Product: Bank account or service

I had a small business merchant banking account with Santander Bank several years ago. I decided to switch back to my original provider and closed the checking account associated with my Santander merchant processing account, but regretfully neglected to also close the merchant processing account. Without having the ability to perform the duties they were charging me for, and without notifying me that it was a dead account with nothing but fees, they continued to charge me up to {$83.00} per month directly through my primary checking account.
Product: Vehicle loan or lease

I went to XXXX XXXX XXXX for a used XXXX XXXX  XXXX. While asking if my credit report would have been ran more than once, they told me that they could not assure me that it would be only one inquiry. My credit was ran with XXXX XXXX Capital One, and I was denied for both. I have called Capital One Auto Finance with no success in talking to anyone about denial ( s ). I am sending my Notice of Dispute to Capital One Auto Finance.
Product: Student loan

I requested several times to speak to somebody about my federal loans, and I kept getting referred back to the private loan sector of Navient. I requested to speak to another individual the second individual was equally as uncooperative and rude and insisted that I had to pay my private student loans and that was the thing they were talking about and they were not concerned with the federal loans even though I was requesting to speak to somebody about federal student loans, and afterwards I then requested to speak to a supervisor she was very rude to me. She suggested that I get another job. That I had to pay those loans she threatened that my paycheck would be taken away for me. They have been nothing but rude to me about the private loans and have never offered to give me information about federal loans even though I have asked several times to be redirected to speak to somebody about federal student loans.
Product: Mortgage

The same dispute as before continues unresolved, with new features. 

The bank known as M & T agreed to accept a complementary payment to take the {$510.00}, which they are holding and refusing to return to me, and add it to an amount given to me by XXXX and arranged to be applied. This check was refused and no payment was credited. 
As though it were a new idea, M & T bank sent me a letter saying to pay a DIFFERENT amount and it would be added to the {$510.00} and accepted as full payment. I sent this amount in ( {$140.00} ). They cashed the check and never made the payment. Never acknowledged receiving it and the money has gone into oblivion. Then they started harassing me by phone and applying late charges. 

I want this nonsense and incompetent and illegal banking procedure to stop at once and have all of my money returned to me.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Experian Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Mortgage

Complaint ID : XXXX Just received first Mortgage coupon and IT STILL HAS ESCROW INCLUDED! Why hasn't CFPB resolved this accordingly? USAA tricked us by including Escrow in an email and saying it is equal to Final Disclosure before closing. 

CFPB has not contacted us.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 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
Product: Checking or savings account

I am having trouble opening bank accounts with XXXX XXXX, XXXX, TD Bank, XXXX XXXX, & other high level banking institutions. This is due to fraud that wasnt done by me. I opened a student account with TD Bank account in the beginning of XX/XX/XXXXXXXX. At the end of XX/XX/XXXX, there was a false check of {$4400.00} placed into my account after I lost my TD Bank card along with the account number & routing number written in an envelope in XXXX, NY. I wasnt employed at the time, so I couldnt have made anything close to that amount. I hadnt realized I lost my information until I got to XXXX. I called customer service to have that TD Bank account closed once I got back from a weeks vacation in XXXX ( XX/XX/XXXX-XX/XX/XXXX) .This account was for building a checking account for tuition. On XX/XX/XXXX, a friend of mine placed 3 false checks into my XXXX account ; each of which totaled to {$900.00}. I didnt know what he was trying to do really. At first, he said it was a favor then it turned into fraud once the checks appeared as false checks. He blocked my phone number & other sources of contact information after that. At last, the account automatically closed near the end of XXXX, XXXX. That XXXX account was opened in my XXXX year of high school in XXXX, XXXX. I was also using that XXXX account as my first funding option for college for food, groceries, school supplies, furniture for my apartment, & gas for my car. All of this has lead to me being unable to open other student accounts since Im trying to get back into school at The University of XXXX. These bank accounts are needed for me to receive funding, especially from family while Im away at school in XXXX. My family resides in various parts of XXXX XXXX  XXXX.
Product: Credit card

Capital One is reporting late payments on an account I have with them. I 've requested they show me where I was late by providing with proper statements etc. They continue to pass the buck claiming its my responsibility to provide them with records. I 'm not the one reporting the information. I would like the late payments being reported updated to a positive status & the negativity removed.