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

Paid off consumer auto load with Santander Consumer USA in full on XX/XX/2019. Received letter from Santander on XX/XX/2019 recognizing the account as paid in full. Pay off resulted in overpayment to Santander of XXXX cents ( {$0.00} XXXX. On XX/XX/2019 received a pre-aid bank card from XXXX through XXXX XXXX XXXX. I wasted more than an hour attempting to activate the card and then use it to issue a paper check to me in the amount of {$0.00}. I do not have a relationship with XXXX XXXX XXXX, do not want a relationship with XXXX XXXX XXXX. and did NOT authorize Santander to issue my refund through a pre-paid bank card. There are fees associated with its use. Additionally, I do not want XXXX having access to my personal information including identification numbers and social security information. I didn't authorize the transactions and this is not part of my contract with Santander. I believe that this is a deceptive practice and is illegal without my written consent. There are hidden fees associated with utilization of the card. I only want what Santander owes me and that is the XXXX cent overpayment. 


Nothing in my contractual relationship with Santander allows for payments or refunds to be received from a third party and their privacy policy does not acknowledge that they will share my data with a third party. Additionally, it forces me into binding arbitration unless I opt out in writing within XXXX days. I did consent and do not consent to this as a provision of my contractual relationship with Santander Consumer USA.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$7500.00}
Product: Credit card

Some tried to open a Jet Blue Barclays card in my name but I have credit reporting locked down so the application ( application # XXXX ) was denied. Is there anything you can do to track down this attempt at identity theft?
Product: Prepaid card

Purchased a {$250.00} XXXX XXXX gift card at XXXX as a gift for someone. She attempted to use the card and was declined multiple times. She called the company ( number on back of card ) explaining what happened. They gave her an case # and was told to send an email to XXXX with details, card number, etc and that she would receive an automatic reply to said email. Never received a reply. We then went to XXXX to explain to them what happened. It was out of their hands. 
Next I did exactly the same as the gift card holder and was given the same exact information with the same case # and was told to send an email to same email address. I sent it XXXX and havent received anything from them. Checked online and this seems to be a common issue with this company Incomm. I want a refund from them.
Product: Payday loan, title loan, personal loan, or advance loan

Dear One Main I am writing to formally dispute a late payment fee that has been applied to my account, [ Account Number ], due to a payment that was made late. As I understand, 15 U.S. Code 1666b ( part of the Truth in Lending Act ) provides certain protections for consumers regarding late payment fees on credit accounts. 

Under 15 U.S. Code 1666b, a creditor is prohibited from charging a late fee unless the payment is more than 30 days late. Additionally, the late fee can not exceed the greater of {$25.00} or the actual late payment amount, and such fees should be assessed only if the payment was made past the due date. 

I believe that my payment was made within an acceptable timeframe, or that the fee was applied in error. I am therefore requesting that you review my account and correct any inaccuracies related to the late fee charged. 

Please investigate this matter promptly, and confirm in writing that the late fee has been removed from my account or provide a detailed explanation if the fee was applied correctly under the terms outlined in 15 U.S.C. 1666b. 

I appreciate your immediate attention to this matter, and I look forward to resolving it as soon as possible. 

Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My finanical profile states that I opened an account at Bank Of AMerica. I NEVER opened this account I was in XXXX at the time this was opened. I have tried to get this removed but i have had NO luck. I have been trying to open a checking and I cant due to this account on my background. I would like this removed so I can move forward with my business
Product: Credit reporting or other personal consumer reports

Mailed a dispute form to Experian to dispute a name on my report that does not belong : ( XXXX XXXX XXXX ) after being told I would have to dispute personal info by mail or phone call. So i sent the form, along with copy of drivers license. Received email stating received form did not appear to be from me. With my own return address on envelope and a copy of DL how does it not appear to be from me. 

When I called to ask, after giving SS number and name, I was put on hold and then the phone was disconnected, 2nd call same results. So it appears they are willing to accept monthly payments from me but deny its me when trying to dispute and entry. 

So I cancelled the monthly payments.
Product: Credit reporting or other personal consumer reports

I've requested the removal of these inquiries as they do not pertain to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called AESXXXX years ago to have the account removed from my credit report because it was paid off on XX/XX/2012. They said I had to wait XXXX  years for the account to fall off of my report. XXXX years later, my credit scores ( XXXX and XXXX ) are still being negatively impacted by this account. I tried to dispute the account with XXXX recently. They said because I disputed the account, the clock will start over and the account will remain on my report for another XXXX to XXXX years.
Product: Checking or savings account

I had done my taxes with a freelancer and noticed I was approved for the additional amount on my taxes on federal was done was told by the irs my state was also been garnished and I never done state so I have to look into that more but had my taxes done seen another freelancer got back to me once I have received the information on my taxes an was told by the 2nd freelancer I was actually owed more then the initial refund which was XXXX $ me noticing u didnt receive my state taxes I assumed he was right and followed in proceeding with him the 2nd freelancer that is and was told to send the money back to him so he can send it to the irs while doing my taxes so he had my login information as far as my account and routing numbers and I didnt give him any permission to take the full exact amount out of my account which he did idk how he was able to do such a thing but he did and come to find out I had been dealing with a pirate/scammer on the internet and seen the unauthorized transactions and failed attempts to cash app but one main successful transfer threw chime to chime to a XXXX XXXX which was a dummy chime account that I was told by a chimes supervisor and I need my money back immediately before I take even further action I gave compelling evidence and was denied on my money 7 times on a fraud disputes with chime while showing screenshot evidence from cash app alerting me saying scam alert and they still allowed him to impersonate me as if I was doing these transactions myself which wasnt me at all showing compelling proof I was denied a 7th time for XXXX $ and over looked on my disputes on money I never got to see or ever use for my own beneficial purposes and wanted to get a hold of you guys before I filed a police report against them an a lawsuit against them for an unauthorized transaction on my tax money refund which I have even had several of text messaging screenshots while they are also holding up my other disputes because I wouldnt leave this one alone two other ones thats which a XXXX clothing company for XXXX $ and one from the freelancer website I used to get services for my taxes for XXXX $ and some change which I have all the information in files as PDFs I can send over to you guys to apply some pressure and making sure I get my money issued back into my account for they are held accountable for this fraudulent act
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. the list of accounts below are in violation my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681, Section 602, states that I have a right to privacy regarding my credit information, requiring consumer reporting agencies to handle consumer data with fairness, impartiality, and respect for the consumer 's privacy when providing credit reports.

15 USC 1681 section 604 a section 2 states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.

15 USC 1681C ( a ) ( 5 ) 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 XXXX years. 

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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 card or prepaid card

On XX/XX/2018 I received a mobile call from a company called XXXX XXXX XXXX XXXX, of whom shared via recorded line that because of my on time payments, but high interest has not been reduced, they are calling to help me reduce my credit cards to little as 6.9 to 7.4 %. I thought it sounds great. XXXX XXXX XXXX ask of debt amount total on all cards, ask for my bank info to make them payments of {$790.00} broken up in 4 payments of {$150.00} each. XXXX XXXX XXXX XXXX said that Capital One will lower my interest to 7.4 % but you have to say you are in distress. I said will I am not I am buying a home and if this will cause a credit pull I can't go through with it or it can deny my loan. I was told that it is fine. So XXXX XXXX XXXX  called Capital One ( XXXX  ) XXXX and XXXX XXXX XXXX  told me what to say and told me what Capital One would say. So I did not really being clear of what is going on. Capital One did exactly what XXXX XXXX XXXX XXXX said. I hung the phone up called my load officer told them what happened and they advised me not to do that or will deny my loan because that means that I am in distress and can't pay bills. Now I have never missed a payment accept for a day late for forgetting the due date. I told ask capital one if they can cancel that agreement of which I never signed for. Everything was verbal with capital one except email with XXXX XXXX XXXX. I told Capital One I am not in distress I am just making minimum payments at this time for a while because I am saving for my closing afterwards I will pay them off. Capital One denied my request the same day made after I called and spoke with up to 4 managers begging them to cancel that and I was willing to continue what I had. Capital One says to me well it looks like you are in distress because of low funds in account and minimum payments made. I begged them that I did not fulling understand what I was agreeing to I apologize, please allow me to continue my relationship. I do not want to lose my marriage over this nor the home that is in the process of being built for my family. Please, please, please..in tears ... They said I am sorry, but told me that I can not cancel it and I can continue to make my payments on time until it paid in full without interest for 60 months then the account will close and I can not reapply. I said I am begging you to cancel that agreement. They would not. I am reaching out for some help and consideration for my mistake, I want to keep my account with capital one. Or at least not mark my account as denied for distress.
Product: Money transfer, virtual currency, or money service

Coinbase Support is Incompetent I requested my account be placed on security hold because I had experienced ID theft. The institution correctly placed the security protocol on my account. 

In my attempts to then regain access after replacing my SIM card and changing all my passwords, etc. The institution was consistently unresponsive ( multiple emails requesting assistance, refused to accept valid goverment photo ID, and continued to tell me I needed to wait to be contacted by email. 

On XX/XX/2020 i spoke to a supervisor and I was told I would be contacted to unlock my account and that I would need to provide a Drivers License. That I had no choice but to wait to be contacted by Coinbase. 

Unfortunately, Coinbase without contacting me disobeyed numerous internal security protocol and unlocked my account. Resulting in my funds being accessible without my knowledge or consent. 

Dont use Coinbase
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. [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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: Credit reporting, credit repair services, or other personal consumer reports

I obtained my annual credit report XX/XX/XXXX. Upon reviewing I noticed I have 30+ inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XX/XX/XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, Synchrony-store cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me? 

PLEASE HELP! 

XXXX XXXX XXXX? 
Chase Auto XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Chase Auto XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Despite filing XXXX with CFPB and no valid verification being provided as to the origination of this alleged debt ( no signature bearing documentation provided, or ANY documentation ), this Midwest Recovery Systems entry continues to remain on my credit report.
Product: Credit card or prepaid card

I paid {$1200.00} on XX/XX/XXXX as a full payment on my capitol one card. On XX/XX/XXXX, someone made an XXXX  payment from a debit card I gave my XXXX to pay her XXXX XXXX XXXX XXXX. That card never has had more than {$58.00} on it and you can see she buys books at XXXX with the money. This XXXX transfer into my account was for {$410.00} which was IMPOSSIBLE since neither one of us has the other 's bank card. I just have her last XXXX digits. Since then, I have charged {$100.00} on that card but they have returned the {$41000.00} as a debit on my card for a purchase I never made. When I call no one can explain what happened. When I look up problems with Capital one, apparently their website was miscalculating cards. Every payment I have made on my credit cards have ALWAYS been made from my bank account ending in XXXX, NOT from a child 's card ending in XXXX. No one at the company can explain nor will they take back the charge I never made. Please help This is a copy of the blog I sent you yesterday and don't see it listed. This is the email I got. 

Capital One logo Your payment wasn't completed. 


Re : Your account ending in XXXX XXXX, We were unable to complete your recent transaction because there wasn't enough money available in your account to cover the payment. 

Amount : {$410.00} From : XXXX, XXXX XXXX XXXX : XX/XX/2022 To view your balance or transfer money, sign in to your account. 

Thanks for being a Capital One customer.
Product: Credit card

I had a payment scheduled from my sofi savings account towards my bank of america credit card scheduled for its due date the XXXX. As it turns out bank of america had an error scheduling the payment on their platform, and my account was for some reason unenrolled from automatic email payment notifications, so I had no way to know the payment was not scheduled succesfully. Upon discovering this I immediately contacted bank of america, and a support representative told me that I should not be worried, after I told them I scheduled the payment the day after. I have now been charged a {$35.00} late fee by bank of america for this fault, which I'd like to have withdrawn.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the first months of the pandemic I lost my job and was unable to make on time payments until I found a new job. I paid my account in full and all my payments have been current since. I was told that no late payments would be reported. That has not been the situation. Please see Exhibits A and B which I have included in my complaint. These payments fall under the protection of the CARES ACT and should be reported as on time payments. 

The first company is Capital One ( Exhibit A ). 
The second company is also Capital One but for my Walmart credit card account ( Please see exhibit B ). All the information for my account and the companies reporting the inaccurate information are in the exhibits I have included as well as the months being inaccurately reported.
Product: Checking or savings account

I believe I am a victim of domestic XXXX by XXXX former attorneys employer and my ex-husband/ I have also reported them to the board of law/ I had been with XXXX XXXX XXXXXXXX since XXXX also a XXXXXXXX XXXX XXXX XXXX holder and the problem started in XXXX when I left my position at XXXX injectables all of my bank accounts have been hacked I had reported all of this to each bank I moved from XXXXXXXX XXXX to Citibank I also had a discovery card that I have reported the problems to I have been unable to turn on my cards turn on my credit since XXXX I have over {$350000.00} worth of frauds I only have XXXX bills I am paying out I have now never shut down the account at Citibank they have illegally shut down my account and have withdrawn over I would say {$60000.00} out of my savings account as well as my checking account they have not credited multiple frauds of charging me triple the amount of money for medical insurance I am now unable as a result to pay for medical insurance they have stolen over {$350000.00} from these accounts I have now moved to XXXX bank where I am having a problem even with is the bank paying the checks directly they are changing my accounts changing the addresses I have I believe might be a fraud loan at XXXX XXXX XXXX XXXX XXXX had to pay employee to sit on the phone with these companies for over e-hrs a week ; I have paid insurance XXXX x changed in XXXX different accounts for same bills ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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.