23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to file a formal complaint against American Express regarding their lowest rate guarantee policy, which has led to a significant financial loss on my part. On XXXX, I made a reservation through Amex Travel for a hotel stay ( see Amex.pdf ), relying on their lowest rate guarantee policy. This policy states that customers are eligible for a price match if they find a lower rate on an external website for the same hotel, same dates of travel, room type, and number of adults and children. This policy was confirmed by XXXX official Amex sources, as evidenced by the attached documents labeled " LRG_TravelAgent, '' " XXXX, '' and '' XXXX. '' Subsequently, I found a lower rate for the exact same hotel, same dates of travel, room type, and number of adults and children on external website ( see LR_external ) However, when I approached the Amex XXXX team to request a price match, they declined, citing a cancellation term discrepancy that was not mentioned in any of the aforementioned trusted sources. Furthermore, the external website offers a free cancellation policy, which is more favorable than Amex 's nonrefundable policy. This discrepancy in cancellation terms was not communicated tome prior to making the reservation through Amex, and it has resulted in a financial loss for me. I am requesting the CFPB involvement to urge Amex XXXX to rectify this situation and honor their lowest rate guarantee policy as stated on their website. Their failure to do so not only affects me but also demonstrates a disregard for customer satisfaction and fair business practices. Attached to this complaint are copies of all relevant documents, including confirmation of my reservation with Amex XXXX, evidence of the lower rate found on the external website, and communications with Amex XXXX regarding the price match request. I appreciate your attention to this matter and look forward to a prompt resolution
Product: Credit card or prepaid card

I opened a new TD Bank Cash Credit Card last XX/XX/2019 after receiving a pre-approved offer. I have excellent credit and have been receiving multiple credit card offers, but my main consideration was a 0 % introductory APR for purchases. I researched my credit cards well, and I know what I signed for.

Lo and behold, I scrutinized my latest account statement ( as of XX/XX/2019 ) and found that I was being charged interest for my purchases from Day 1. I then called up TD Bank Credit Card Services, and now they're telling me that 0 % introductory APR was for balance transfers, and not for purchases. I was in front of the computer while speaking to the customer service representative and found that the card has 0 % introductory APR on purchases. Source : www.td.com/us/en/personal-banking/credit-cards/cash-card/ The customer representative said that this promo does not apply to me since I applied in XX/XX/2019, and that promo is for XX/XX/2019. This customer representative 's statement infuriated me because I know what I signed for. I signed for a zero percent introductory APR for purchases, otherwise I would have opted for another card. I really felt defrauded, but my fault is that I could not find the credit card disclosure statement in my documents. I can not recall if I ever received one.

I am aware that 12 CFR Part 1026 ( Regulation Z ) XXXX requires banks to post credit card agreements on the internet. I searched the customer-facing website for cardholders ( www.tdcardservices.com ) and could not find the disclosure/ agreement that I need. I did a XXXX search instead, and found a disclosure statement, but the date is XX/XX/2019. 

I believe that as a matter of banking transparency, TD bank should : ( 1 ) make ALL credit card agreements available, including an archive of previous ones ( 2 ) make such agreements readily available in the customer website. I should not need to use XXXX to find the agreement, and ( 3 ) customer website should reflect front and center if there are interest rates being levied on the account. The Chase mobile app has this, and I have no complaints.

( 4 ) stand by their 0 % introductory APR offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, I have made them aware of the fraud inquiries due to identity theft and they won't remove them. it's 70 inquiries its no way I would do something that stupid. i have reported over and over since 2021 and inquiries have still been made now I put a freeze on all my reports, please help me get these inquiries removed for good thank you
Product: Credit card

We had XXXX open disputes with Barclay 's credit card company. In both dispute cases, we did not receive custom made outfits that were not delivered to us. We still do not have the merchandise nor do we have a refund of our money from the merchant or the credit card company. Both of these transactions were made in XX/XX/XXXX, SUPPOSED to be delivered XX/XX/XXXX, but we still have nothing as of XX/XX/XXXX. We followed up with the credit card company multiple times. The first time, we were told the disputes were resolved in our favor and the refund would be posted to our account within a few business days. When we called again, they said that they denied both of our claims and we needed to take it up with the merchant but were not provided a reason. They just kept saying it is out of their hands. We then closed our accounts with Barclays due to the XXXX  of the company. They were unhelpful and had horrendous customer service that I would never trust anyone to bank with them again. Fast forward a week later we received ANOTHER letter in the mail with one of the same case IDs but a DIFFERENT merchant name and a different amount. This is now clear that Barclays is in the wrong. They clearly are not speaking to the right merchant nor do they care about trying to resolve disputes. They refused to give us our money back when it is their fault. We called again to see why we received this letter with incorrect information on it, and they again refused to transfer us to a supervisor or even help with our case.
Product: Debt collection

I am a victim of identity theft and my information was compromised in XX/XX/XXXX. This included my social security number number and my former address. Several accounts have been opened in my name that I gave no authorization to. A previous XXXX account was opened in my name with a debt that I had written and attributed to identity theft, as I have not used XXXX in years. A letter was mailed to my parents residence with my name on it dated XX/XX/XXXX, from Credit Corps Solutions, stating a debt of over {$500.00}. I am an American citizen living in XXXX, and have not used XXXX in years. I am not responsible for this debt and it was opened fraudulently.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit reporting Act ( FCRA ), 15 U.S.C. 1681i which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the consumer Financial Protection Act ( CFPA ) ,12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the account that i have marked as inaccurate : XXXX # XXXX date opened XX/XX/year>, balance {$8100.00} XXXX XXXX XXXX # XXXX opened XXXX XXXX. 
XXXX XXXX # XXXX opened XXXX {$970.00} XXXX XXXX # XXXX opened XXXX {$520.00} XXXX XXXX # XXXX opened XXXX XXXX
Product: Credit card or prepaid card

Dear CFPB, TD Bank advertised a credit card with the following Cash Back conditions : " You earn three ( 3 ) Points for each one-dollar ( {$1.00} ) of Dining Purchases ; two ( 2 ) Points for each one dollar ( {$1.00} ) of Grocery Store Purchases, and one ( 1 ) Point for each one dollar ( {$1.00} ) of other Purchases. You will earn a total of five ( 5 ) points for Gas Purchases made within 6 months of account open date, or until you reach {$6000.00} in Gas Purchases, whichever occurs first. As a result of your Gas purchases you will earn one ( 1 ) Point for the purchase and four ( 4 ) Points will be added to total five ( 5 ) Points earned for Gas purchases '' Upon the closure of my first statement I had noticed that my Gas purchases have not earned the advertised 5 points. As the result I have a loss about {$8.00}. 

I would appreciate that CFPB takes a regulatory action against TD Bank for practicing false advertisements. 

Thank you.
Product: Credit reporting or other personal consumer reports

It is disappointing to see the result of my previous attempt to get these inquiries off my report, knowing that I have never permitted any of these and it is greatly affecting my credit report.
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 : XXXX XXXX : Account Number : XXXX : Balance : {$1800.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX : Balance : {$15000.00} Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$520.00} Account Name : XXXX : Account Number : XXXX : Balance : {$560.00} Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$980.00} Account Name XXXX XXXX XXXX XXXXXXXX : Account Number : XXXX : Balance : {$930.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX XXXX XX/XX/XXXX 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2015 Balance {$0.00}
Product: Debt collection

Puget Sound Collections XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX This company is sending me fake bill without any valid bill ( XX/XX/19 ). It says creditor XXXX XXXX XXXX without any address of the creditor. I do not owe any bill. I believe this is a fake company. I'm not sure how does my personal information is leaked from the hospital which this company is using it for fraudulent purposes.
Product: Credit reporting or other personal consumer reports

Previous attempts have been made to obtain proof of verification for these items on my credit report. With each attempt, Equifax has come back with merely a " verified '' or " updated '' without providing any proof of what they received showing that i am personally liable for these accounts ( documents with my signature ) nor did they provide information such as the name of the person at each of these entities who verified the information, which is my right to request. 

At this point, Equifax is in violation of the FCRA by failing to provide documentation showing a fair and complete investigation. Just because they add a note of " verified '' or " updated '' does not provide ANY proof that I am liable for these accounts, or that they are mine. Just because Equifax says " verified '' does not mean that these are my accounts. 

Furthermore, As required by the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 6 ), A statement of dispute must be included in my credit file regarding these items. 
However, despite XXXX obligation under the FCRA, I have recently reviewed my credit report on Equifax.com and found that the requested statement of dispute has not been included on ANY of these accounts. This failure to comply with the FCRA 's provisions is unacceptable and constitutes a violation of my rights as a consumer. 

Equifax is in clear violation of FCRA law, and I demand that these items be deleted off of my credit report because after months of asking for proof of validation, they have provided NONE nor have they added statements of dispute - which proves that these accounts are not legally verified and are being reported erroneously, violating my rights as a consumer. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Bank of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Bank XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I got loan with ace cash express and now they talking about sue me
Product: Debt collection

On XXXX XXXX, 2015 I sent a formal letter via Certified Mail with Return Receipt requested by USPS to this company disputing and requesting validation for a debt they have listed on my credits reports. This account was posted to my credit reports without my having ever received an initial notice from the company that the debt existed or informing me of my right to dispute it. I have received proof from USPS that my letter was accurately delivered, and according to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, the business legally has 30 days to respond to this validation request, otherwise it is illegal to continue collection efforts, including reporting this alleged debt to the credit bureaus ( which constitutes fraud ). It has been over the 30 days allowed by law and they have failed to respond with appropriate validation All I have received from them are a few pages with arbitrary numbers and my name attached to them, with no indication of how these amounts were calculated or that I ever agreed to pay these amounts. They have failed to verify that this debt is valid, that I have any obligation to them for the amount they are claiming against me, or that this debt is legally associated with me in any way. Furthermore, they have reported this debt as " Verified '' when I filed a dispute action against it with the credit bureaus, even though there is no provided proof that it is, in fact, valid. This action constitutes fraud and defamation of character, in addition to violating the previously mentioned debt and credit Acts. For these reasons, I sent a final deletion request to the company on XXXX XXXX, 2015, and gave them 10 days to respond before I file legal proceedings against them.
Product: Credit card

XXXX XXXX XXXX I purchased a vehicle from XXXX XXXX 
-The vehicle was described as " good running vehicle, no mechanical issues except a TPMS '' -When I received the vehicle it was in complete opposite condition. The vehicle had blown headgaskets, blown motor, missing driveshaft, and many other things totaling over XXXX dollars worth of repairs. 
-I immediately contacted XXXX XXXX. They refused to refund me and take back the vehicle. 
XXXX XXXX XXXX I contacted discover to dispute the XXXX charge that I put on my credit card to XXXX XXXX. ( the total was XXXX however XXXX only allows XXXX XXXX to the credit card ). The rest was done via wire transfer. 
-Discover first ruled in my favor, then against, then in my favor, then against. They refused to re open the dispute although I have provided more than sufficient documentation showing that I was sold something other than what was described. 
-Discover told me since I signed an " as-Is '' statement that the charge is valid. However the as-is statement was signed on false pretenses of XXXX false advertisement. 
-If I had known that vehicle was in complete inoperable condition I would have never signed that document. XXXX commited fraud. 

-I have attached documents that discover has already. They range from the following : -Email conversation between the seller and I where they assure me the vehicle is in good mechanical condition with no issues other than the TPMS XXXX 
-Pictures of the vehicle the day it arrived. 
-Pictures of the vehicle showing oil leaking while still at the sellers location ( provided by the shipping agency ). 
-Pictures of some XXXX correspondence between XXXX and myself where XXXX is knowingly admitting to their negligence in reporting issues with the truck in regards to it missing a driveshaft. 
-Pictures showing an advertisement for another vehicle listed as NON OPERABLE, however the vehicle I purchased was listed with the only issue being a TPMS.
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. 
XXXX- Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX- Account XXXX XXXX XXXX- Account XXXX 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 ) section 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 seven years.

15 U.S.C 1681s- 2 ( a ) ( 1 ) A personal shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I fell behind on payments on my loan with The Cash Store. The Cash Store used a debt collection agency who threatened to garnish my veteran disability pay if I didn't pay The Cash Store. The debt collection company forged legal documents that said they were going to garnish my wages if I didn't pay the Cash Store. My XXXX XXXX is exempt and threatening wage garnishment is a violation of consumer protection laws and a violation of the DTPA and forging legal documents is a crime. This complaint is against The Cash Store for their violations of threatening to collect exempt funds and knowingly using a debt collection agency who violated the law.
Product: Credit card or prepaid card

XXXX DID IT AGAIN, IT MUST BE FROM CORONA? THEY MISS REPORTED BALANCE OWED TO ALL BUREAUS FROM {$4.00}, XXXX TO {$43.00}, XXXX ON XX/XX/2020. THIS WAS DONE ON PURPOSE. THIS ACCBA.OUNT IS HEREBY DISPUTED UNDER THE FCBA OR F
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX-unable to request a fraud alert with TransUnion XX/XX/XXXX-attempted to place a security freeze on my TransUnion report but I can not. I tried to create an account to do so but it says that I already have an account. I have not created an account with TransUnion and can not get through to them to get the issue resolved. I am afraid that someone has used the XXXX information ( my information was compromised ) to create an account on TransUnion. The security question was name of pet and none of the answers that I have used for prior pets is accurate. This leads me to believe that an unauthorized account was created. I was able to place a freeze on the XXXX  and XXXX reports. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

Violation of 15 USC 1681b Violation 15 USC 1681C-2 Capital One XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Someone used my information to open accounts in my name I want to dispute this immediately. I am a victim of identity theft and the following accounts are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$470.00} XXXX XXXX XXXX XX/XX/XXXX {$120.00}
Product: Vehicle loan or lease

My car was towed to a yard named XXXXXXXX XXXX. I contacted XXXX and went to the yard to pick up my car, they said it wasnt there. That XXXX XXXX picked up the car. I contacted them and they said they had no record of my vehicle. I contacted Westlake financial and they said I had to pay {$1900.00} to get my car back. I paid {$1900.00} on XXXX XXXX. Westlake said they sent the release to XXXX XXXX XXXX that same day and could pick up my car anytime. I went to XXXX on XXXX XXXX to pick up my car, they said they never received a release. I called westlake and explained the situation and I was hung up on 6 times, screamed at by one of the employees, spoke to 12 other employees and was told that they sent the release at XXXX that morning. Today is XX/XX/2024 and XXXX is stating that they still havent received a release from Westlake. I have spoke to them 5 times today and one person says that it takes 24 hours for the release to be sent, another says that I have to wait one hour. Ive been transferred over and over again. Westlake is saying that they sent my release to XXXX XXXX in XXXX CA. I tried to explain that my car was at XXXX XXXX XXXX in XXXX, CA and they say that the computer says something different but I know that my car is at XXXX XXXX XXXX because I was there on XX/XX/XXXX, and saw that my car was there. Which I Also noticed that all of my personal property is missing ; drivers license, bank cards credit cards etc.. I have recorded the conversation with westlake financial and XXXXXXXX XXXX XXXX and notified every single person that they were being recorded.
Product: Checking or savings account

I had a Wellsfargo checking and savings and a business credit card and had charges on those accounts without my knowledge. I received this info to file for the settlement.