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

I am one of he consumers that was convinced to use he Temporary Reduction in Payment Plan ( TRIPP ) and should be part of he restitution yet when i call I keep getting transferred to CS in another country and they sate i am not due anything and that my account is closed and refuses to transfer me to an american operator. he same car also had gap coverage that was totaled and i had to pay ~3000 since the gap did not pay the loan off. These were all part of the settlement Santander should be refunding to customers but sem to be making it difficul for us to recover.
Product: Payday loan, title loan, personal loan, or advance loan

I have talked to the company in regards to missed payment. Signed a deferment but still owed {$160.00}. Onemain financial calls XXXX times a day, 6 days a week from random numbers, sends emails, text " reminding me that my car is on the loan and could be taken '', sent a letter to my home that you could see through the address portion the letter was for missed payment. This is crazy and causing added stress as I am working to pay my bills. I can also submit phone records to show reptitive calls on a daily basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to request my credit score and report from the three major credit bureaus. Two of them are very problematic in how they make the information available to the consumer.

Transunion- refuses to provide the credit score unless I pay for it. ( 1 ) They omit it from the credit report, and ( 2 ) provide a link to the CFRA which states that consumers may have to pay for a copy of a report related to mortgages, and they make the information appear as though it applies to all requests for credit reports, and ( 3 ) they provide an option to pay for my credit score and request my payment information but they never disclose up to this point how much they will charge for the score. In the small print on a subsequent page they say the fee is {$.00} which includes a 30-day credit monitoring subscription that renews at $ 30/mo. They also state in the small print that it's not a FICO score, and that the score that you are purchasing is not one that lenders use. So it is an elaborate ploy to mis-direct consumers into purchasing credit monitoring at a cost of almost $ 400/yr. 



XXXX - provides a visible credit score and report but it is impossible to print, download or save the report. It requires you to open multiple sections of the report separately, and save or print them separately. This is an unnecessary burden on consumers which has no valid basis or justification.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$750.00}, {$500.00}, {$4000.00}, {$800.00}. 
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 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 ) 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$750.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$800.00} -This is not my account.
Product: Debt collection

As a federally protected Consumer, I am here to contest any alleged claims that you are now listing as consumer debt on my credit report. 
The Consumer requests verification in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( 8 ). ( FDCPA ). 
Additionally, the aforementioned customer REQUIRES the subsequent : Account Name : KAY JEWELERS Account Number : XXXX
Product: Checking or savings account

On XX/XX/XXXX I attempted to buy tickets from somebody through the XXXXXXXX XXXX XXXX service that Chase Bank offers. I split the purchase into two separate payments so that I would receive my purchased tickets before paying the full amount. After receiving what looked to be legitimate tickets, I sent the remaining amount. After trying to contact the sender regarding an incorrect date placed on the tickets after further review, I received no response and had my number subsequently blocked from calling him. I immediately tried to contact XXXX to cancel the payment. They told me that I needed to call Chase as they can not help me. I then called Chase Bank and was told that I would need to start a claim. I started the claim on XX/XX/XXXX and was told that I would receive a response in 3-5 days. After receiving a letter in the mail on XX/XX/XXXX claiming that Chase identified the transaction as valid and could not refund me any money, I attempted to investigate further and call their claim department. I was told that there was nothing they could do since the transaction was initiated by me. They said I could try to contact XXXX for further assistance, which I subsequently did. XXXX once again told me there is nothing they can do and that I have to settle this with Chase. After calling the Chase Bank claims department, I asked to speak to someone about my claim who could give me further information about the investigation conducted. I was told that their investigation process involves trying to contact the receiving bank which they were not able to do successfully and thus can not refund me any money, even though this was a criminal act. I will be filing a police report since Chase Bank is unable to assist their customer with his scammed money.
Product: Debt collection

I am XXXX XXXX XXXX, XXXX XXXX and owner of XXXX XXXX XXXX. TD Bank has been calling my business more than once per day seeking a debtor. I called TD bank on Friday XX/XX/18 and requested that they stop calling my office. I gave them the name of the person they were calling about. I told them I would report them to authorities if they called even one more time. Today ( XX/XX/18 ) at XXXX, they called again. The calls are coming from XXXX. Today the agent 's name was XXXX and she was agent # XXXX. I did not get the name of the agent I called yesterday.
Product: Money transfer, virtual currency, or money service

Here 's the updated complaint description : On XX/XX/XXXX, I opened a Robinhood account for long-term cryptocurrency investment. I purchased XXXX cryptocurrency worth {$990.00}. When attempting to transfer the crypto to my personal wallet for secure storage, the withdrawal was denied and my account was restricted. Robinhood 's app displayed a message stating the issue would be resolved by XX/XX/XXXX with no action needed. 

While initial trading was still allowed, I purchased XXXX for {$200.00}. Subsequently, my account was further restricted, preventing both buying and withdrawing funds. I now have approximately {$1400.00} total stuck in the account. Although I submitted all requested documentation ( bank details, passport, and SSN ), the issue remains unresolved after 5 days. 

Customer service is inaccessible, with only an automated virtual assistant that repeats " your account has been restricted. '' The promised resolution date keeps getting pushed forward by one day each day, with no explanation or timeline for resolution.
Product: Checking or savings account

I deposited a settlement check on XX/XX/scrub>XXXX XXXX XXXX The company states 1 business day to approve the check which would be XX/XX/year>, this never occurred. 

The company refuses to answer emails, they give canned responses in chat, and by telephone. 

The check remains as pending. 

I want this resolved.
Product: Payday loan, title loan, or personal loan

I call Customer Support and Try to make a payment to the principal only, the customer support agent say it was not possible and the Manager she call to verify, they told is only possible to pay the principal if I pay Interest and the rest will go in the loan payment, I have used other loan companies in the past and I also have a car loan and I'm able to pay to the Principal without any problems, So basically I cant reduce my loan principal in full without being charged a fee because I already make a payment before my due date and my due date is not yet coming
Product: Credit reporting, credit repair services, or other personal consumer reports

There appears to be several actions of fraud on my credit history report over the last couple months. The specific actions that are incorrect and fraudulent include : XX/XX/XXXX : New Inquiry SYNCB/BANANA REPUBLIC XX/XX/XXXX XXXX New Account ( opened as of XX/XX/XXXX with an initial balance of {$780.00} ) SYNCB/BANANA REPUBLIC XX/XX/XXXX : New Address Updated address to : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX : New Inquiry XXXX None of these actions were taken by myself and all are fraudulent. My credit score has since dropped by XXXX points from XXXX as of XX/XX/XXXX to XXXX as of XX/XX/XXXX.
Product: Debt collection

On XXXX/XXXX/XXXX, in the course of debt collection activities related to my account, Gatestone & Co. International Inc. ( the debt collector ) contacted a 3rd party via phone and violated the Fair Debt Collection Practices Act with the following actions : ( 1 ) The debt collector, without being requested to do so, voluntarily identified Gatestone Collection Company as his/her employer, a violation of 804.1, and ( 2 ) the debt collector stated that the purpose of the call was to collect a debt, a violation of 804.2, and ( 3 ) The debt collector, without my consent and without being requested to do so, voluntarily gave the 3rd party identifying information for my credit card account and the exact amount owing per the debt collectors records, a violation of 805b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get my report multiple times with no success. this is causing my great harm in not being able to see what's currently being reported on my report.
Product: Debt collection

To Whom it may concern : I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have No proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right of 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.
Product: Vehicle loan or lease

This is for a car rental. I was renting for a period of time. The car broke down and the company took no responsibility for the vehicle. They did not tell me that they weren't accepting responsibility and left me stranded for 5 hours. Additionally I had to find new transportation and I had to incur the cost of a hotel room because I was in another city when the car failed. The car is still sitting in the spot where it broke down because I had no idea what to do. Even the next morning after the company opened they still refused to pick me up or bring me another vehicle that worked. It seems they expected me to sleep in the car until they decided what to do about it. Nothing like this has ever happened on a car rental.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with the consumer reporting agencies that this account : XXXX XXXX should be removed from my report. This is a medical account that has been reported on my consumer report since XXXX. I have disputed both online and via XXXX certified mail as this account has been reported with inaccurate information on all three ( XXXX ) of my consumer reports. 

XXXX XXXX sent a letter stating that the account # XXXX, has been canceled by the client, XXXX XXXX, and that XXXX XXXX will be DELETED from all consumer reports within 30 days. That deletion never happened. I have not received any other documentation from XXXX XXXX in regards to this deletion. I have called and got the run around as to why this account wasn't deleted. 

On XX/XX/XXXX I did an online dispute with Equifax at www.equifax.com stating the account : XXXX XXXX should be removed from my report, and the website wasn't allowing me to upload any documents in regards to this matter, as I had a letter from XXXX XXXX stating they were to remove this account from my consumer report. Nothing was done with this account on my consumer report as my dispute was closed. 

On XX/XX/XXXX I did an online dispute with XXXX at XXXX to have the account : XXXX XXXX removed from my consumer report. The dispute was closed with no change to the report. 

On XX/XX/XXXX I did an online dispute with XXXX at XXXX for the account with XXXX XXXX to be removed from my consumer report. The dispute was closed with no change to my consumer report. 

On XX/XX/XXXX I sent a certified letter # XXXX to XXXX XXXX to to remove the account from my consumer report. No response has come in as of yet, but seeing that they sent me a letter on XX/XX/XXXX stating the deletion of this account from my consumer report. 

On On XX/XX/XXXX I sent a certified letter : XXXX to Equifax in regards to account # : XXXX by XXXX XXXX XXXX be removed from my consumer account. 

On XX/XX/XXXX I sent a certified letter : XXXX to XXXX in regards to account by XXXX XXXX to be removed from my consumer report. 


On XX/XX/XXXX I sent a certified letter : XXXX to XXXX in regards to the account by XXXX XXXX to be removed from my consumer report. 

Here are the consumer rights that were violated various ways by all of the following companies : XXXX XXXX, Equifax, XXXX, XXXX. 

According to 15 U.S.C. 1681 Section 602 ( a ) states : I have the right to privacy According to 15 U.S.C 1681 Section 602 ( a ) section 2 states : a consumer reporting agency can not furnish an account without my written permission. 

According to 15 U.S.C. 1681 s-2 ( a ) ( i ) 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 information is inaccurate. 

According to 15 U.S.C. 1681 ( a ) ( 2 ) states : A notification that, if the debt is settled or paid by the consumer or an insurance company before the end of the period described under paragraph ( 1 ) ( A ), the debt may not be reported to a consumer reporting agency.
Product: Credit card or prepaid card

Idk where to start but here goes I booked a trip with XXXX back in XX/XX/2019 and I made two payments in XXXX each for {$340.00} and then Covid19 came and bookit cancelled my trip on XXXX XXXX which I have the email so I filed a dispute with my bank as XXXX told me to after about 90 days I was denied my claim citing they didnt see any fault so I said I wasnt going to give up because nobody wants to lose any money so I filed a rebuttal which they claim it takes 45 days for them to respond now 45 days has come and gone as of XX/XX/XXXX Ive been calling them everyday and Ive been getting nowhere they said they did a escalation which takes 3 days that also has come and gone and then I talk to someone a week agai and that person said they would do a escalation as well now those 3 days also has come and gone its like now Im being totally ignored I just want my hard earned money back thats it
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account appeared on my credit report that I have no knowledge about or what it's for. The company is Vance & Huffman LLC and the amount is {$4300.00}. I do not have an account number as XXXX does not provide account numbers. Account shows active but I have no knowledge of it.
Product: Debt collection

Upon checking my credit report, in both XXXX and XXXX I came upon a debt for {$610.00} on an ambulance charge with XXXX XXXX XXXX as the original creditor. The opened date was XXXX XXXX, XXXX and the last reported date as of XXXX XXXX, XXXX. I believe this debt to not be mine as I do have medical insurance through my employer and have not had to use an ambulance service but my insurance would have covered it if I did. I do have other ambulance service debts reporting on my credit report, however they are being reported by XXXX XXXX XXXX XXXX XXXX as the original creditor and the opened date is from XX/XX/XXXX and XX/XX/XXXX, but is being collected by another debt collection agency. I have disputed the debt with XXXX but have not with XXXX at the moment. I have also not received a verification of the debt by letter from the agency collecting this debt and had tried to call the number provided on my report but it states the voicemail is full. I also tried accessing the website but when providing my information such as, name, zip code, and last XXXX of my SSN, it states they are unable to find my information.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 approximately XXXX I tried to log onto an unsecured site for Wells Fargo Bank on my XXXX. I had an error message : " Your account has been temporarily disabled. Due to suspicious activity. we have blocked your account. To avoid suspension, Please call support team XXXX '' another number from same fraudulent login I found later was XXXX. I called the number from my land line thinking I was talking to Wells Fargo the whole time. The person had an XXXX accent. They told me they would have to check my account for suspicious activity. They got control of my cell phone and email by having me open XXXX XXXX  on my phone and authorizing access. Then gave me a " Reference Number '' had me read it back to them. They wanted a picture of my debit card and driver 's license which I gave. They then had me take a selfie all while having control of my phone. They kept me on the phone for 45 minutes with control of my phone, email and text messages while saying they were fixing my account. The person gave me to his " Supervisor '' who told me not to log onto my Wells Fargo account until XXXX the next day before finally releasing the call. I then called Wells Fargo immediately, around XXXX. They had deducted 5 payments from my checking account, attached to my debit card ranging from {$1000.00} to {$1500.00}. All 5 payments were to XXXX. Wells Fargo immediately closed my checking account and transferred me to debit fraud department who canceled my debit card and submitted what I thought was a fraud report as an " INQUIRY ''. But they posted all 5 payments 3 days later anyway for a total of {$6300.00}. I was able to check my emails and text messages after I spoke to Wells Fargo. The emails were order placements and " authorized '' payment messages from XXXX. Also an email from XXXX of 2 declined payments. Several text messages were from Wells Fargo with authorized " codes '' to release the funds to XXXX Wells Fargo denied my " claim '' for my " inquiry '' stating the transactions were authorized and not a mistake. This was not authorized by me because scammers stole my identity with my cell phone and email. Wells Fargo also told me they would send me replacement checks for my new account but after 10 days I called Wells Fargo customer service again and they were never mailed. So they reordered the checks and mailed them but charged me {$26.00}. They also asked me several security questions to verify it was me. XXXX of those included a name of a person whose first name I dont know XXXX " XXXX '' ). It apparently is the daughter of my ex husband who I have had no contact in 23 years. She was born long after my contact with the ex husband. So of course I didnt " pass '' the security part with that particular fraud customer service agent. Wells Fargo refuse to close an account opened fraudulently under my name with XXXX with my cell phone number and email. Keeping it opened has resulted in ANOTHER attempt by the scammers to transfer money to a fraudulent person on XX/XX/2021. This resulted in my login being frozen by Wells Fargo again.