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

About a month I called XXXX and pay to rent a car for some Heath problem I couldn't get it i called XXXX XXXX XXXX and explains them why I could not get the car but they did want to get my money back then because this car company refused to give me my money back i did used the car I called my credit card to dispute this charge at the beginning they were suden with me after almost a month they sent me a paper saying that they can give me the money back because this company contacted and say that we were did gave them the card number and because of that I was agreed with the terms and condition it is a new way to agreed with anything they have in their contract and that's why they will not going to go forward with this claim
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

Hello dear on XX/XX/XXXX I did a wire transfer to Binance.US ( XXXX XXXX XXXX receive name ) XXXX signature bank. After 2 days I received an email said that my account has been lock for security raison and my wire will return to me within 2 business days. After 4 days I went to my bank commonwealth to ask my banker about the wire they called wire department to ask about it no wire was refunded to my account. I try to contact Binance.US no phone call no one respond to my email. The wire amount is {$13.00} 000 .i even went on twitter to complain I just received very rude email scam message I am so desperate. I dont know where to start no phone only the adress of XXXX XXXX no contact please I neeed help I am very broke now. This issues takes all my time and energy. My banker even called signature bank about the refund they couldnt get any answer. Please I need help thank you.
Product: Checking or savings account

I have contacted them and they said they can not, I was discriminated against due to my score and XXXX XXXX which keeps things more than years I want both of them stopped for discrimination
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 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 XXXX  business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Violations of : Permissible Purpose : 15 USC 1581b Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) Responsibilities of Furnishers : 15 USC 1681s-2 Equifax has unlawfully and illegally reporting derogatory information on my credit report without proper authorization. I have repeatedly informed Equifax that I was affected by ID Theft and my information was compromised. These is not credit transactions initiated by me. Additionally, I will be filing federal complaints against Equifax for these unlawful practices because my consumer rights have been violated. I have not authorized them to report any information about me, and their actions violate the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for reporting such information. Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the CFPB investigate this matter thoroughly and ensure that this derogatory information is removed from my credit report immediately. Equifax failure to adhere to these legal standards has significantly damaged my credit standing, and I expect immediate corrective action. Illegal accounts include are : Fraudulent Account/ Transaction/ XXXX XXXX XXXX Account XXXX ***/ Balance : $ XXXX : XXXX XXXX, XXXX Fraudulent Account/ XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX This failure to provide adequate proof of the alleged debt is a violation of my rights under federal law. I requested to provide verifiable proof of this debt and clarification of how these alleged unauthorized accounts were verified, I have not received anything. This raise concerns about their compliance with legal requirements. In accordance with the Fair Credit Reporting Act ( FCRA ), I have not given them the authority to access or report any information related to me. Their actions are in violation of the FCRAs requirement for a permissible purpose in reporting credit information. Again, I will be filing complaints at federal levels to address these violations and then seeking a lawyer. I have given Equifax a fair opportunity to clear this up, however I am still being harassed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a few disputes to Transunion to update my personal information on my credit report. I was contacted to mail in proof, I did. The personal information was updated and I was mailed an update report. To date, the Disputes with Mailed Results is still outstanding on my account, preventing me from pulling a current credit report from Transunion or from Annual Report, submitting a dispute, or even purchasing my credit score with Transunion themselves, and my personal credit monitoring is not working either. Ive called more than 20 times, Ive spoken to more than 40 reps and supervisors from Online Services and Consumer Services with Transunion and no one seems to know how to fix. On XX/XX/XXXX, the supervisor told me a remark was outstanding on my account and that it was removed just now and to try back in XXXX hours. Nothing was fixed. On XX/XX/XXXX, a rep XXXX told me he opened XXXX XXXX with the XXXX XXXX team and they would call me in up to XXXX days, that was XXXX days ago. No one is taking this seriously there. Each day the Disputes With Mailed Results estimated date of completion goes forward a day, at midnight, right now it says XX/XX/XXXX, at midnight it will update to XX/XX/XXXX and on it goes. I have not been able to access my credit report through my account with Transunion since XX/XX/XXXX and I dont know how else to get this resolved.
Product: Credit reporting, credit repair services, 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. 

XXXX. XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX Bank Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. XXXX XXXX Account # XXXX, has violated my rights. 
XXXX. Bankruptcy XXXX XXXX Reference # XXXX, has violated my rights. 
XXXX. XXXX  XXXX Reference # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts XXXX DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity : Inaccurate Address : XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX ; Accounts : theft. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, 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

Closed accounts with Bank Of America on XX/XX/2013. The accounts are more than XXXX years old. BOA is reporting incorrect closing date, phone number and address to XXXX XXXX XXXX. I've called BOA customer service on several occasions in attempt to correct the information but it has yet to be resolved
Product: Checking or savings account

Not too long ago tried using electronic transfer with Santander and there was an issue. Multiple times. 
Went to withdraw funds from Santander in person. I went in and asked about charge for cerified checks and was advised it was free based upon account status. Upon returning to bank to get cerrified checks I was then informed there was a {$15.00} charge per check. As I was getting XXXX checks, I did not agree to those charges. I then asked to withdrawal money from account. I was advised I could not withdrawal the amount I wanted from account. 
So I then had to alter transaction again. These changes are occuring in real time because Santander keeps changing policy, as I am standing right in front of them. 
I then decided to do XXXX certified check, withdrawal the maximum amount the bank told me I was authorized to withdrawal on my account and had to leave remaining difference in account! ( Can't make this stuff up! ) Fast forward 1 month later. Today, XX/XX/22. 
Now I tried mobile check deposit and there is an issue. Continous error message! 
The larger concern is who is reviewing Santander banking processes and the complaints because they have either flagged their system to deny me of banking services based upon ethnicity and/or previous complaints or they are intentionally just not providing basic banking services to customers! 
Either way, this is not a good look and is extremely frustrating.
Product: Debt collection

I have no idea what this is. I've tried to reach out to the company and couldn't get any answers.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to notify you of fraudulent accounts on my credit report. I will be following up with the Consumer Financial Protection Bureau and filing a civil lawsuit for defamation of character because it is your duty to report accurate information. The following accounts listed below are fraudulent and I request that the information be blocked from my report. Under Section XXXX of the FCRA, I meet all the requirements for a block of the fraudulent information on my report. My identification which is attached to this letter, a copy of my identity theft report which is also attached, the information that I request to be blocked is listed below. This information is not relating to any transaction of mine. The accounts that are fraudulent on my report are listed below. I have also attached a Notarized letter stating it is in fact me sending out this dispute. This letter will be sent certified with signature. I expect that the accounts be blocked within 4 days of receipt. It is illegal to do what you are doing to us consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that there is information in my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me and the consumer ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXXXXXX Balance : {$20.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Long story short my mortgage was purchased by Green Tree Financial from XXXX XXXX XXXX and Gree Tree Financial did not honor the existing modification from XXXX XXXX XXXX. Green Tree Financial is now forcing me into foreclosure.
Product: Checking or savings account

1. In or about the end of XX/XX/XXXXor beginning of XX/XX/XXXX I made a complaint about an unauthorized charge on my account.

2. At that time I notified the customer service representative that an final determination notices should be sent to my new address.

3. On XX/XX/XXXX after realizing the provisional credit that was granted had been retracted and causing an overdraft fee for five   transactions.

4. According to the customer service representative the address to which any notices should have been sent was not annotated.

5. I never received any notice directing me to forward any further information in regards to my complaint.

6. At the time the five transactions occurred I had funds in my account.

7. The retraction of the provisional credit caused my account to be overdrawn.

6. I would like the {$170.00} in overdraft fees returned to my account as they were not appropriately applied.

8. I also had overdraft protection during the time that those transactions occurred.

9. TD bank retracted the provisional credit did not occur on the date that is indicated on my mobile banking app.

10. TD is engaging in unfair consumer practices.

11. I have called numerous times and this issue has yet to be resolved.

12. TD bank has the duty to make me whole again.

13. TD bank phone calls are recorded, they should have pulled my previous phone calls and would have heard that a new address was previously provided.

14. TD should take accountability for their error.
Product: Debt collection

ON OR ABOUT XX/XX/XXXX I AUTHORIZED ALLIANCE TO TAKE XXXX A MONTH FOR A PAST DUE BILL. I TOLD THEM IT WOULD BE GOOD UNTIL ON OR ABOUT XX/XX/XXXX RECORDED! 

I FOR GOT TO CHECK IN XX/XX/XXXX TO SEE IF THEY STOPPED TAKING MY MONEY AT XXXX XXXXXXXX. I CHECKED MY ACCOUNT IN XXXX OR XX/XX/XXXX I CALLED ALLIANCE ONE, RECORDED. I TOLD THEM DO NOT TAKE ANY MORE MONIES FROM MY CHECKING ACCOUNT OR MY DEBIT CARD. 

THE END OF XX/XX/XXXX I HAD TO PUT IN A STOP PAYMENT AND REVERSE THE UNAUTHORIZED PAYMENT TOOK BY ALLIANCE ACH TRANSACTION. 
AFTER I TOLD THEM TO STOP THE PAYMENTS RECORDED! 

THE END OF XX/XX/XXXX ALLIANCE DID IT AGAIN BY COMMITTING FRAUD ALLIANCE WITH NO RESPECT TOOK ANOTHER PAYMENT. 
THEY CHANGED THE ACH PAYMENT TO A CHECK NOW!!!! 

KNOWINGLY IN VIOLATION OF 18 U S C 1001. 

THE END OF XX/XX/XXXX ALLIANCE DID IT AGAIN AFTER I CALLED AND I PUT IN SEVERAL STOP PAYMENTS AT MY BANK WITH FEES. AND DISRUPTION TO MY BANK ACCOUNTS AND MY CHECKS WAS BOUNCING!!! 

I CALLED MY BANK TO GET THE FEE S REVERSED AGAIN! AND A STOP WAS ISSUED! 

MY BANK SAID TO COME IN AND CHANGE MY ACCOUNT NUMBER I HAD FOR ABOUT 30 YEARS. 

I TOLD MY BANK I WAS CALLING THE POLICE DEPARTMENT FOR THESE REPEATEDLY BAD ACTS DEALING IN VIOLATION OF THE BANKING LAWS AND RULES AND POLICY. 

YES I WAS HARMED IAM LOOKING FOR THIS WHAT EVER CLAIM THEY ARE ASKING ME TO PAY. 

I AM SEEKING DAMAGES FOR MY PAIN AND SUFFERING IN AMOUNT OF {$15000.00} AFTER MY BANK CONTACTED ALLIANCE WITH MY CHARGES OF FRAUD AND GOING TO THE POLICE, AND THE STOP PAYMENT. 

ALLIANCE DECIDE TO COVER THAT XXXX! 
BY SENDING ME A FRAUDULENT LETTER I GOT YESTERDAY DATED XX/XX/XXXX. STATING : DEAR MR. XXXX THIS IS TO NOTIFY YOU THAT YOUR POSTED DATED CHECK OR PRE AUTHORIZED CHECK IN THE AMOUNT OF {$50.00} WILL BE DEPOSITED ON XX/XX/XXXX. THANK YOU FOR YOUR PAYMENT!!!! 

NOT TRUE!!!! 

SEE AND READ MY STOP PAYMENT HISTORY AT XXXX  XXXX XXXX LISTED IN THIS COMPLAINT. AND MY COMPLAINTS FILLED AT MY BANK FOR THE MONTH OF XXXX, XXXX AND XX/XX/XXXX. THATS FRAUD!
Product: Credit card or prepaid card

This is NOT a duplicate complaint. 

Scheduled the minimum payment on the credit card, even after Bank of America reneged and did not honor the Hurricane Irma waiver as promised in XX/XX/2018. The Bank of America website would not allow me to re-attempt to pay the minimum payment all week. Why would Bank of America treat a valued customer this way? Fraudulent motives by Bank of America to extract more fees and interest? Clearly this is Bank of America 's objective. Retaliation against Bank of America customers who complain about very poor customer service.

Consequently, I have been unable to pay the {$430.00} that Bank of America reneged on waiving as promised. This appears to be bias irregularities with regards to my account. Are all disadvantaged minorities treated this way by Bank of America?

This is NOT a duplicate complaint. 

XXXX XXXX
Product: Mortgage

on friday XX/XX/XXXX i called my mortgage servicer Selene Finance regarding the documents i emailed to them. They were not able to see the documents and asked me to send again. i sent XX/XX/XXXX and XX/XX/XXXX, I have my emails where i can see what i can send. I am unable to get a hold of anyone and when i do request a callback i do not get one, I had requested a loan modification back in XX/XX/XXXX and didn't get an answer from the company till Mid XXXX. The company says they have received the documents but unable to see the last email. They have since closed my file with no notification, even though i have been in constant contact with my company. Today i have once again sent them all the documents again. The representative i spoke to on XX/XX/XXXXXX/XX/XXXX read a statement that someone had put on my file saying i did not need any further assistance and that covid had not been affecting my household anymore. I asked her where did she get that information. She advised me someone that calls customers posted it. She and I agreed that this information should of not been put in my file. She asked her supervisor and he said file could not be reoppened and i had to resubmit my application once again. They had started on Foreclosure even though we have a Moratorium in place.
Product: Credit reporting or other personal consumer reports

I an following up on with XXXX, Experian, and XXXX to update my personal information on my credit report.
Product: Credit reporting

I contact Experian to dispute a few items listed on my credit file. My address was not listed, my name was incorrect, collections and an account that should have been removed or in the process of removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their are fraudulent Inquiries on my credit profile that I did not do. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I was stunned when I saw that my credit report this morning had inaccurate accounts on it, and I have no idea why this happened. I check my report consistently, but today, completely unexpected discrepancies appeared. I even refreshed my browser, hoping it was a mistake, but the errors didnt go away. Im asking that the documents Ive sent be carefully reviewed so that I can finally stop worrying about these issues for good.