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

Recently, I, ( XXXX XXXX ), was denied an extension of credit by Barclays. On XX/XX/2022, I applied for the XXXX XXXX XXXX XXXX. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). BARCLAYS has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. BARCLAYS should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX : XXXX  Without prejudice, all natural inalienable rights reserved
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona, XXXX XXXX XXXX XX/XX/XXXX XXXXTransUnion Consumer Solutions** Subject : Request for Fraud Block and Removal of Fraudulent Accounts Dear TransUnion, I am writing to request the immediate placement of a fraud block on my credit report and the removal of several fraudulent accounts that were opened in my name without my authorization. My previous request was not accepted due to the following reasons provided by your office : 1. Missing essential personal identifying information.

2. Lack of account-specific information, such as creditor names, account numbers, or other details.

3. The description of the identity theft was too vague and did not include specific dates related to the fraud.

I have provided the necessary information below to rectify these issues : Personal Identifying Information : - Full Name : XXXX XXXX - Date of Birth : XX/XX/XXXX - Social Security Number : XXXX -Current XXXX XXXX XXXX XXXX XXXX XXXX XXXX # # # Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - Open Date : XX/XX/XXXX XXXX. **XXXX XXXX XXXX** - Account Number : XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX # # # Description of Identity Theft : These accounts were opened without my knowledge or consent, and I first became aware of this fraudulent activity on XX/XX/XXXX. The dates of the fraudulent account openings are listed above, and I request that these accounts be blocked and removed from my credit report immediately. 

Please consider this a formal request under the Fair Credit Reporting Act ( FCRA ) and applicable identity theft laws. I have attached copies of my identification and any additional documentation needed to process this request. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that these fraudulent accounts have been removed from my credit report. 

Sincerely, XXXX XXXX
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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Summary of Accounts being challenged in list form XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) - ( XXXX ) XXXX Summary of Inquiries being challenged in list form XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX Personal Information for TransUnion NAME : XXXX XXXX XXXX I'm XXXX XXXX. Please make sure you remove any name in your system which does not match the first and last names listed on this letter. 
CURRENT ADDRESS : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My only address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. If you have any address listed in your system that do not match my address as its listed here, please delete them immediately so you can make sure the database has accurate information about me.
Product: Money transfer, virtual currency, or money service

I received an email from PayPal, which I do not have an account saying they were charging me See message On Thursday, XX/XX/year>, XXXX XXXX, PayPaI Customer Care via XXXX XXXX wrote : Received from a suspicious email PayPaI Customer Care XXXX Weve identified an unauthorized transaction made from your PayPal account to Coinbase : Amount : {$750.00} Transaction ID : XXXX To safeguard your account and process an immediate refund, you must contact our Fraud Prevention Team XXXX XXXX XXXX ( XXXX ) XXXX Our representatives are available XXXX to assist you in resolving this issue and preventing any additional unauthorized activity. 

Your accounts security is our top priority, and were fully committed to helping you address this matter swiftly. We appreciate your immediate attention to this alert. 

Best regards, PayPal XXXX XXXX XXXX ( XXXX ) XXXX Thank you
Product: Student loan

I can not log in to my Aidvantage account due to an incorrect birthdate. This seems to have happened after a big change in the loan servicing program. I was able to login to my account and make payments before XXXX took over. Initially, the issue seemed to just be with XXXX, because I could still see where my loans were serviced through Aidvantage. Now I can't even login to my Aidvantage account. I work XXXX hour weeks so my wife called on my behalf to try to speak with someone. This happened in XXXX. She provided my information and got hung up on. She called again, then got someone she could speak to the second time she called. From there, the person on the phone confirmed our address and other information, then gave us our account number and told us to send in my birth certificate via fax. The next I heard from them, they called to ask about payments, which I have sent in via check. I told them about the issue with the birthday and they said I should fix that and hung up. I have not heard anything since then, but continue to get bills sent to my correct address, with my correct name. I just want to be able to log in to my accounts but now all of them say my information is incorrect. I don't want to go into default, I just want to pay my bills and not rely on snail mail to get everything in. It isn't reliable, mail is stolen and lost, as evidenced by the call I most recently got from them.
Product: Credit card or prepaid card

Fraudulent activity. Someone withdrew money off my card.
Product: Debt collection

Wrong amounts. The last payment made to XXXX was on XXXX XXXX. I have bank statements. Please remove this from credit file. This is false. This company is saying I kept making payments till XXXX XXXX. Im sending a file of my bank statement. The second file is what this company is saying I was paying. I did not payments after XX/XX/2018. To XXXX. I asked for extension in XXXX.
Product: Vehicle loan or lease

Ally relies on a network of dealerships that serves as intermediars who originate financing deals with customer. However, Ally Finanical controls all aspect of the loan process. The dealer has no role in approving, making docmenting, funding, holding, servicing, or collecting the loan. Auto lenders are required to follow standards that ensure borrowers can repay their loans. No paystub, employment, and etc was required to open this loan because if due diligence was done Ally wouldve known that I never had a job in my life. How can a loan application get approved if the customer has no way to repay the loan. Ally has predatory lending and deceptive debt collection practices. XXXX XXXX XXXX was sued for the excat same predatory lending and deceptive debt collection practices. The AG of PA should follow. Delete this account from All XXXX  ASAP! This is Sub Prime lending at its best!
Product: Mortgage

The escrow analysis statement overstated my annual hazard insurance cost and understated my annual real estate taxes, resulting in an innacurate escrow analysis and an escrow payment in excess of what is necessary to maintain the correct cushion on my escrow account in the coming year. I have provided copies of both the correct insurance and real estate tax bills on XX/XX/2020. 

The company has not responded and as a result my monthly payment for XX/XX/2020 will be more than what I should pay.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Money transfer, virtual currency, or money service

Back in XX/XX/year> a claim was refilled through XX/XX/XXXX in my behalf because I was scammed out of {$1500.00} out of my account with XX/XX/XXXXXXXX ending in XXXX. Both me and my bank have reached out to PNC asking for an investigation. The transfer was sent from my account on XX/XX/XXXX and I am both the sender and the recipient.XX/XX/XXXXXXXX requested a Hold Harmless Form and PNC still has not responded. I need to know why people are allowed to have this funds? I sent this money under my name for me to be the recipient. Why or how did anyone else have authorization to this funds with PNC? Is someone using my name to open fraudulent accounts at PNC and still my funds or even other peoples funds? PNC is taking no responsibility and is not facilitating the investigation. Now I am afraid that I been a victim of identity theft and my information is being used with PNC bank and no one wants to give explanations or make themselves accountable for what has happened. When I spoke to XXXX XXXX I have her the wire transfer chip sequence # and also the case number XX/XX/XXXXXXXX provided. I also told her the wire transfer took place on XX/XX/XXXX and gave her the last numbers of myXX/XX/XXXXXXXX account XXXX to assist in the investigation. I also told her that PNC was not responding to my bank and I was just given the run around. I can provide any information needed in order to expedite the research of this and to find a resolution but PNC has ignored us. I need to know if PNC has any accounts under my name and information. So at least help me with that. No one should have access to funds that are sent under myself as a recipient. So please explain!
Product: Student loan

I am current a Naivent private XXXX XXXX customer. I received a Prequalified letter to refinance my student loan with XXXX a member of the Navient family of companies. The deadline to apply was XX/XX/2019. The letter only provided a website to apply. After confirming XXXX 's affiliation with Navient, I proceeded with the applying to consolidate two of my existing student loans ( with Navient and XXXX  XXXX XXXX ). I applied for the loan on XX/XX/2019. Immediately after completing the application, I received a rejection letter and statement I will be notified of the reason behind the decision. I received an electronic letter on XX/XX/2019 describing why I did not meet the eligibility requirements. On XX/XX/2019, I printed and reread the letter to discover the reason why I was denied did not make any sense. The letter stated I did not meet the eligibility requirements because my credit score does not meet the minimum criteria. My credit was mentioned on the letter as a XXXX. This information was collected from XXXX. I called the number provided on the letter XXXX to get clarification on XX/XX/2019 at XXXX pm central time. The male representative ( name unknown ) confirmed my identity and acknowledged my application. He also stated the call was recorded. I asked him to explain how my credit score did  not meet the minimum criteria. The rep 's response was that was the response generated when the application was ran. I asked what was the credit score range. He refused to tell me and further stated it was propitiatory information and that the company did not have to disclose the reason why I was denied. I also stated how do I know if the company did send me the prequalify solicitation to collect my information and sell it to other companies. He stated they would not do that. I also asked how do I know if my application was not turned down due to my name being ethic and my address in a predominately minority zip code. He stated that was illegal. Despite his denial of any illegal wrongdoing, I very concerned about the reasons behind my denial since my credit score is an acceptable score for lending. I have reason to believe unfair  practices were used to disqualify my application.
Product: Vehicle loan or lease

On Monday, XX/XX/2020 I spoke with XXXX in regards to paying off my truck loan in for two years early and stopping the automatic payment authorization. I was told by XXXX that he was going to expedite that request so the payment was not removed from my account And for me to go ahead and wait until Friday the XXXX to pay my vehicle info. On Friday, XX/XX/2020 I called in and spoke with XXXX who told me that I could only make a {$9900.00} payment at one time or I would have to wire the funds to them. I asked to speak to a supervisor at that time because my payment for the total amount on the loan was {$12000.00}. I was then transferred to XXXX XXXX at extension XXXX who told me that my payment could be made via the app that I have and that XXXX did indeed expedite my stop automatic payments and my automatic payment would not be taken out from my account. I submitted the payment in full via their app automatic deduction from my Chase bank account to pay off my Chase auto finance loan and it showed that it was automatically taken out. Saturday, XX/XX/2020 I checked the bank account and noticed that the automatic payment of my monthly payment for the vehicle was indeed deducted as well after the loan was paid in full. This transaction was not authorized. Monday, XX/XX/2020 I called and spoke with XXXX regarding the automatic payment and she told me that yes it was taken out and I would receive a check for the overpayment I asked to speak to a supervisor after waiting on hold I was told none was available and I would get a call back within 24 to 48 hours I was not given a date of my payment returned I was not giving a tracking number for my expedited title I was not given any information of which I was told I have over paid on my loan I have no assurance that there will not be any future deductions from my account that is unauthorized
Product: Credit card

American Express XXXX skymiles card never refund me the money I over paid, and they cheated and held my money for 4 months saying they have sent me the check. I requested 3 times for the refund check and still have n't seen it!!!!!!!!! 
I have lived at my current address for 1 year now and never have a single problem with receiving mails or anything!!!!!
Product: Credit card or prepaid card

I have a loan with GMFNANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and GMFNANCIAL with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX, XX/XX/XXXX / XXXX - XX/XX/XXXX.
Product: Checking or savings account

i deporit an XXXX money order that is XXXX $ in a chase atm branch at XXXX XXXX XXXX XXXX XXXX  XXXX  ny XXXX today they told me that that check was fraudulently but the XXXX  company does existed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account you are reporting is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately, The cars were also auctioned off for sale by the finance company so the balance is also incorrect I have all factual documentation to backed this claim and if the bureaus do a complete and correct investigation instead of allowing these companies to tell them its correct and the investigation is complete, that is not accurate or acceptable I demand these car collections be removed from all three of my reports for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries are still showing on my Transunion report
Product: Debt collection

I have on several occasions requested a purchase agreement, a debt validation letter and a 1099A from Midland Credit Mgmt the debt collector. I have yet to receive either and the collections are gravely affecting my credit score. I would like this account removed and an an updated credit report reflecting the changes.
Product: Student loan

I have been trying to pay off federal loans since XX/XX/XXXX, when I graduated. It was impossible for me to become employed during that time, and I had to delay payments. Since then, my total amount has skyrocketed. I have been paying somewhat successfully since XX/XX/XXXX, however, I always have problem recertifying my income based repayment program, and have to delay payments because the minimum payment goes up. Every year, they fail to adequately assist me in recertifying, and this adds thousands to my balance. Last year I was first given false information, then given incorrect information, which caused me to pay more than what I should under the program. This year was no different. They sent me a notice inXX/XX/XXXX with a due date of XX/XX/XXXX. No email. No call. Zero notice since XX/XX/XXXX. I recertify every year, and every year they deceive me into missing the due date. There is no option to auto-recertify. This causes my minimum payment to skyrocket to five times the usual amount. It is unfathomable that they are allowed to do this. I know what will happen, because it happens every year. They will either defer or forebear, then add to the total balance, causing my total balance to continue increasing every year. I have to spend hours on the phone every year fixing the problem. My total balance is over XXXX because of this systematic deceptive practice. I graduated owing half of that. I will never pay it off, and they will continue adding to it every year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keeps violating the laws! I show them on multiple occasions and plenty different ways how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. I have uploaded documents as to how Equifax has not been following the XXXX XXXX compliance which are the laws they set in place to govern their business and how they are violating the FCRA which is actual Federal Law! According to 15 USC 1681b ( 1 ) the credit bureaus don't have any written permission to furnish anything on my consumer report. 
Equifax stated in their response XX/XX/XXXX that they performed an investigation and the debt collectors has verified the accounts on my behalf. Equifax has not explained how they performed the investigation, what information did the debt collectors give XXXX to verify the accounts, who did " Equifax '' talk to from each debt collector, how did Equifax verify that the information from the debt collector was correct and not false, how did Equifax make sure the debt XXXX records were accurate as well? 

15 USC 1681 ( a ) ( 4 ) states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Equifax has not being doing this at all. Instead, they did not respond to my CFPB complaint on XX/XX/XXXX after I keep showing proof as how to how they have violated me!
Product: Money transfer, virtual currency, or money service

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

Upon logging in to my Chase online account I was presented with an advertisement that violates Section AA and the Federal Trade Commission Act by constituting an "unfair, deceptive, and abusive act or practice" (a.k.a UDAAP).  In addition, a nearly identical ad with the same UDAAP violation appears at this link XXXX Specifically, footnote XXXX of the advertisement states that "If...the checking...account is closed within six months after opening, the bonus you received for that account will be deducted at closing."  However, footnote XXXX in the ad only appears once with respect to the Savings account.  Therefore, someone only interested in opening a checking account would have no reason to read it, and might therefore unknowingly forfeit his/her bonus for the checking account upon closing it within six months.
Product: Credit reporting or other personal consumer reports

Today, I am uploading this immediate follow-up to address an ongoing issue of being victimized by fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Section 605B, Credit Reporting Agencies are mandated to eliminate any items delineated in an identity theft report, bearing reference number XXXX. Enclosed are documents aimed at facilitating the removal of incorrect personal information and inquiries erroneously recorded on my report. Below is an inventory of items opened without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ), the Credit Reporting Agencies are required to remove any items from a consumer 's file that the consumer identifies as resulting from alleged fraudulent activity, no later than 4 business days following receipt of such a claim.