23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

This issue is regarding a business check that I cashed at money mart XXXX California the XXXX store they charged me XXXX percent of XXXX $ when they were only supposed to charge me 3 % they refuse to pay back the7 % difference because I did n't catch the mistake before I left the store, the money was put on a XXXX visa card and XXXX $ cash was given to. Me as well for cash back from purchase .i was supposed to have been contact by district manager on XXXX she failed I finally tracked her down around XXXX XXXX she said nothing she can do.my budget was going to allow me to by a used car with that portion of the cash now I ca n't and I need transportation please HELP!
Product: Credit reporting or other personal consumer reports

PER THE FCRA AS A FEDERALLY PROTECTED CONSUMER I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802. I AM INVOKING MY RIGHTS UNDER 15 USC 6802 TO OPT OUT OF THE DISCLOSURE OF MY PERSONAL INFORMATION. 

The following items listed below is in violation of my privacy rights under the Privacy Rights Act of XXXX also 15 USC 6801, 15 USC 6805 and 15 USC 6802 obligation to disclosure of personal Information. 

XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX are reporting transactions as late to EXPERIAN, XXXX, and XXXX which is in complete violation of the law and I have attached a copy of my credit report as proof of discrepancy. 



( ( 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ) ) My Transactions or experiences with your company by law are excluded from my consumer report and I need this transaction or experience deleted from my consumer report. 

There is NO LAW that states you have to report a transaction as a late payment if so please provide that law which you can not provide because there is no such law that exists.The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments.

( 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 21 days before the payment due date. 


I requested that XXXX XXXXXXXX XXXX XXXXXXXX provide me with the tracking number of the periodic statement that was mailed or Delivered 21 days before my payment due date along with all the information required by section 1637 ( b ) and they did not send me this tracking number because it cant provide as to they never mailed or delivered a periodic statement. So in this case I demand the deletion of all transactions listed as late on XXXX, EXPERIAN, and XXXX as they are unlawful to report and subject to {$1000.00} fine per each violation. 
I have kept a record of all documentation I have sent out and all phone recordings that will be used in the event of an action against the company and credit reporting agencies for consumer law violations, more specifically The FCRA 15 USC 1681a, 15 USC 1681s-2, 15 USC 1681n and Timing of payments 15 USC 1666b .
Product: Vehicle loan or lease

End of Lease notice emailed on XX/XX/2019 showing amount owed. Check for {$460.00} cashed by Hyundai capital by electronic check on XX/XX/2019. The letter from XX/XX/2019 stated that the funds needed to be paid within 15 days. I received an additional notice that the account was not paid via text. I called back on XX/XX/2019 and explained the check had been cashed on XX/XX/2019 and they explained they posted the payment to the wrong account on XX/XX/2019. I said I did not want this to reflect poorly on my credit since it was the company 's error. I was told they would get it reversed and show that it was paid on time. This did not happen and my credit report is showing a delinquency that is paid. I want this removed as it was not my error and was paid in a timely fashion. On XX/XX/2019 I spoke with XXXX XXXX, Senior Customer Service Manager and he explained that all the notes reflect what I have stated in this complaint and that they are not able to do anything at the customer service level since they are not credit report experts. I explained that I wanted them to reverse their error so the credit report would be updated and I was told they are only able to file an investigation to see what is already in their system as a company error. I was told this can take up to 30 days and they would not send me anything in writing that I would have to call back to check on the status or if I saw it was reversed on my credit that would be proof it was done. This is not acceptable.
Product: Checking or savings account

I created a 2nd checking account with Bank of America some months back to allocate funds for vacation. I had planned on ordering and using a debit card for this account for use while my wife and I were out of the country, on a cruise. 

About 2 weeks before our trip ( XX/XX/XXXX  ), Bank of America sent me an email informing me " bill pay '' had been disabled for this account. No ther explanation at that time. 

In preparation for the cruise, I discovered DEBIT cards weren't accepted as a card on file, so I planned to just use my BOA CREDIT card and transfer funds from the checking account in question to cover the balance when we returned home. 

When we returned home, I attempted to transfer the funds and was denied. It is at this point I discovered my checking account was " under review ''.

It has been 15 business days now and my funds are still frozen. I have now incurred interest on my credit card balance I would have otherwise been able to pay off completely had this " review '' not taken place. I had exactly {$2000.00} in this account for vacation. The bank still deducted a {$4.00} maintenance fee after XX/XX/XXXX, although I can not pay my own bills with this money I've been saving for MONTHS. 

This was HIGHLY disruptive to our plans, and there has been no resolution despite multiple attempts and calls.
Product: Debt collection

I do n't have any business with Kia Motors finance or Hyundai Motors Finance XXXX. They are calling me on what is almost everyday trying to collect. I have told them repeatedly to STOP and REMOVE me, they have the wrong person. They are continuing to harass and threaten me with their bullying. This needs to STOP. they have the WRONG person and the WRONG number! disgusting what these XXXX companies can do to people
Product: Credit reporting or other personal consumer reports

I filed a dispute with account number XXXX with XXXX XXXX XXXX via FCRA usage on XX/XX/XXXX. While it was removed from my XXXX report on XX/XX/XXXX, Experian denied to follow up with the investigation and did not remove it and stated it was valid. Experian has not attempted to correct this or investigate it. This item had previously been removed when alleged over a year ago by a prior company. I am requesting the mark be removed immediately. I was notified that the CFPB has filed a lawsuit against Experian for violation such as mine please correct the derogatory mark asap.
Product: Debt collection

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

XXXX XXXX XXXX
Product: Credit card

My oldest/first credit card was closed by Bank of America without my permission. My credit score went down because my credit history significantly got shorter. That was my secured credit card. Account # XXXX XXXX XXXX XXXX. On card says valid through XX/XX/year>.
Product: Debt collection

XXXX XXXX XXXX XXXX, charge off my account ending in XXXX and sold the Debt to XXXX XXXX XXXX via Debt owed to XXXX XXXX XXXX debt was paid in full to Debt Collector for {$1100.00} was paid in full in XX/XX/2024 and Debt removed from Report. 

Midland Credit Management is now trying to Collect a Debt for {$1200.00} .Payment was paid to XXXX XXXX XXXX and account satisfied in full. This is a Debt Collector looking to seek extra payment. I only had 1 account with the following Creditor.
Product: Debt collection

According to my complaint with CFPD file # XXXX submitted on XX/XX/2019 by me, sent by CFPD XX/XX/2019 I recieved on XX/XX/2019 the SAME AS ALL PAST DEBT COLLECTORS the same as a 3rd grader would print out of the same judgement and again no proof of any kind that the debt belongs to me ( I have about 10 of them ). Obviously they recieved the complaint on XX/XX/2019 from me through CFPB. 
They refuse to respond on line through my online complaint with CFPD. 
No proof of any kind has bin in the past ever provided by any / all of them about this bogus debt. 

A complete FRAUD.
Product: Credit reporting or other personal consumer reports

There is a collection on my credit report from XXXX XXXX XXXX that is inaccurate and unverifiable I have requested the debt be validated and it cant they are unable to provide me with a contract that I signed and agreed to with my actual signature or anything that identifies me they claim there is a box on the bottom that I checked off agreeing and next to the box is an Ip address both contracts they provided are fraudulent the information is inaccurate and a investigation was done on the Ip addresses and neither of them belong to me My business or my address that confirms that they dont have any proof and can validate the debt so by reporting this on my credit report is violation of the FCRA and my rights to fair and accurate credit reporting
Product: Debt collection

Despite my previous attempts to address this matter, the fraudulent accounts continue to persist, causing significant distress and concern. It is perplexing that, despite multiple escalations, the accounts remain on my credit report. 
XXXX XXXX XXXX- PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXX- PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXX- PLEASE DELETE!!! XXXX have already removed this account from their records. 
Furthermore, I would like to emphasize that the seven-year reporting period for these accounts has already exceeded, and their continued presence on my credit report is both inaccurate and damaging to my financial standing. I want to make it clear that I have neither the knowledge nor any authorization regarding the existence of these fraud accounts.
Product: Credit reporting or other personal consumer reports

In the past 4 months there has been XXXX hard credit inquiries conducted using my personal information and XXXX, which I did not request. Additionally, there was a credit card account opened under my name for XXXX XXXX XXXXXXXX, there is now an outstanding balance remaining due to the fact that I did not open it. All of this has significantly affected my credit score. I have filed a dispute for two of the hard inquiries and for the credit card account on XXXX and XXXX. When I tried logging on to XXXX to file for the XXXX 's hard inquiry I noticed my log-in information had been modified. After trying to get access to my Experian account I was given the email and address that I provided on this report and I believe are being used to access my Experian account. It is evident that someone is using my personal information to request hard credit inquiries and open credit card accounts on my behalf. After submitting my dispute, the results from XXXX and XXXX came back as accurate. I want to reiterate that I did not request these hard credit inquires nor did I open a credit account with XXXX XXXX XXXXXXXX. Furthermore, I want to emphasize that the XXXX  account was opened on XX/XX/XXXX and then closed XXXX days later on XX/XX/XXXX with a remaining balance of {$190.00}, but since then the amount has increased to {$240.00} as of XX/XX/XXXX. My XXXX XXXX has gone down significantly due to this, therefore I am kindly requesting that XXXX investigates this again and removes this account from my credit history. I have also activated a fraud alert with the credit bureaus since my social security seems to be at risk. I would appreciate any further communication and assistance with this situation. 

It is important to mention that I was a victim of burglary of vehicle in XXXX. Inside where some of my tax documents which contained personal information such as my social security number, full name, date of birth and full address. This incident took place on XX/XX/XXXX and I have attached a police report. The police report is under my wife 's name, XXXX XXXX. On the police report you can also find my previous address and details of what was taken. This is why I strongly believe that my social security number and other information was used to open the XXXX XXXX XXXX XXXXXXXX credit line. I have also attached my Identity Theft Report that I filed on XX/XX/XXXX.
Product: Credit card or prepaid card

Have tried twice to get my name taken off of the account because I am not the primary account holder just was a authorized user and this is showing up on my credit report absolutely wrecking all the progress I have made in fixing my credit and I asked them to remove my name from the account but they won't do it
Product: Checking or savings account

I had a bank account with TD Bank. As an OPTION I decided to link my XXXX account to TD Bank. XXXX is a completely separate company from TD Bank. Unfortunately I ended up overdrafting and closing my TD Bank account. Since my account is overdraft they are now refusing to unlink my XXXX account ( my personal NON TD BANK account ) from their bank. That way any payments received via XXXX would be funneled directly to them. I stress again, this was an optional service I signed up for. I should not lose my access to a complete unrelated app due to TD Bank. XXXX has said that they are unable to delink from their end, that TD Bank has to delink, but TD Bank is refusing to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX 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 reviewed my consumer reports and noticed that I have three late payments on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXX XXXX # XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they would be as I was never late. Thanks
Product: Money transfer, virtual currency, or money service

As power of attorney ( POA ), I have been trying to get access to my fathers accounts for months. On XXXX XXXX Coinbase emailed asking that I use their secure site to upload copies of the POA and my state issued drivers license. They told me that I must create a separate POA account and the assets would be transferred to that account. 

On XXXX XXXX  I confirmed to Coinbase that the documents had been successfully uploaded and submission ID # was XXXX  and that an account had been created using my email. Hearing nothing, I confirmed that I had completed the requested steps again on XXXX XXXX XXXX XXXX XXXX 

On XXXX XX/XX/XXXX I was told to verify my ID for the new POA account through Coinbase. While I had received confirmation from Coinbase that my ID had been verified when I set-up the account on XX/XX/XXXX, I completed this for a second time on XX/XX/XXXX and again received a note from Coinbase saying the ID was verified. On XX/XX/XXXX, and XX/XX/XXXX I contacted Coinbase to follow-up as the assets had not been transferred. 

Their case # is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX : XXXX  XXXX XXXX $ XXXX Account Info/account number- XXXX Open/ closed Date opened XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX {$6200.00} XXXX Account info/Account Number - XXXX OPEN/ CLOSED XX/XX/XXXX date opened XXXX : XXXX XXXX XXXX. 
{$7200.00} Account info/ Account Number XXXX XX/XX/XXXX date opened PAID/ CLOSED XXXX : XXXX XXXX {$2700.00} Account info/ Account Number XXXX XX/XX/XXXX date opened OPEN Equifax : XXXX XXXX {$2700.00} Account info/ Account Number XXXX Date Opened XXXX, XXXX OPEN XXXX : XXXX XXXX  XXXX {$6200.00} Account Info/ Account NumberXXXX Date Opened XX/XX/XXXX Closed XXXX : XXXX XXXX  {$7200.00} Account Info/ Account Number XXXX Open/ Closed Open Date Opned : XX/XX/XXXX Closed XXXX : XXXX XXXX  : {$2700.00} Account Info/ Account Number XXXX Open/ Closed Open Date Opned : XX/XX/XXXX OPEN
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I called XXXX XXXX  about a credit limit increase on my business credit card. The agent said that there was no hard pull on my XXXX and Experian reports. I asked again " are you sure there is no hard inquiry? '' He confirmed and repeated that there would not be a hard inquiry. I proceeded with the application based on that information. A hard pull showed up on my credit immediately. I filed a case with XXXX XXXX  and after investigation, they confirmed that I was given misinformation but said they would not remove the inquiries. 

I also called Experian, but they said that XXXXXXXX XXXX  would have to send a letter to have the inquiry removed.
Product: Checking or savings account

I tried to send someone {$80.00} and cashapp said they refunded it I dont even see the transaction from my bank statement but cashapp took the money was supposed to be returned Thursday its not Friday and no money
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
discover home loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX  they're attempting to collect a debt for a debt of Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$490.00} which has not been verified I have asked several times for them to verify the debt several times and yet they have not verify any of the information.