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

Hyundai Motors Finance ( HMF ) was fully paid the remaining balance by the GAP insurance which was supposed to make the payment to them after the car crash and total loss, however, it is reported on the credit file as " charge off '' amount which is wrong information and affecting mine as well as my co-signer credit file. I disputed the wrong information but it was not resolved. There was no intimation of the outcome as well. There is no way to get help from HMF. It has been more than a year and our credit files are being haunted by this wrong information and we are totally helpless.
Product: Credit reporting, credit repair services, or other personal consumer reports

Abilityjy recovery XXXX. XXXX  XXXX premier credit card wish was payed off because there card was so high intrest I closed it payef and closed it I claimed about them XXXX  I never used but one for XXXX dollars closed that then they tell years later someone used the card its been closed it still on my credit ability I don't even know what its for I don't have anything g with them then I have inquiry s on me credit and loan I have never done now my daughter is XXXX XXXX but o e the address is hers try to repair this and they also have me with XXXX I have been divorced for XXXX yrs we have nothing together
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 XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX Card : # XXXX, XXXX Card : # 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 have checked my credit report and saw items appearing that I am not aware of. I already have sent a dispute with the credit bureaus demanding to make an investigation and delete these items on my report but I have not received any response and this is a violation of my rights. Below is the item appearing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I would like to file a complaint regarding PayPal credit. I was a loyal customer of PayPal using it for all my purchases and paying the payment like clockwork. PayPal has my home address PayPal also has my home phone number including my email addresses. my account where the payment was coming from was hacked and I was unaware of it. PayPal failed to notify me that the automatic payment was not being received for that monthly payment of only {$39.00} that I always paid on time.Not only they failed to notify me via phone. During the peak of covid-19 in 2020 when the laws were in place that all creditors shall help their customers to defer the payment or stop the payment. no one company claims that day I got my information from PayPal and sent a validation letter to a known address but I did not reside and I don't recall changing my address with PayPal but I received my mail. My credit was damaged by this company for two long years during covid-19 which they are not even allowed to damage People 's Credit during a disaster. This collection company has the worst record with the XXXX XXXX XXXX for scamming customers. The collection company is well known for not following the Fair Credit Reporting Act. The collection company is reporting accounts that do not belong to them without validating with the customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite what is now two years of consistent effort with the credit reporting agencies all three have yet to remove what is on XXXX XXXX XXXX a card riddled with unauthorized charges after it was lost. I spent the majority of 2017 explaining only in the best English I could since it is my second language and no one would listen to launch an investigation into the charges. I know that the law covers reporting unauthorized charges and doesn't allow it until the end of the investigation but no investigation was ever initiated and I think it has much to do with me being XXXX and not knowing the law. Two years later I've done my research and realized that they're making a mistake and it's a mistake that affects them ability and ability of my family to live the American dream
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account 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 XXXX XXXXXXXX Has violated my rights. 
15 U.S.C. 1681 section 602A States I have the right to privacy.

15 U.S.C.1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

There is a very old account still listed on my credit file which is past the 7 year mark. I have disputed and requested verification and nothing has been received. This is not accurate and should not be listed. The original creditor even has removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I did an investigation on my credit report which caused severe XXXX upon me and found that accounts opened up fraudulent using my personal information have not been removed after sending in my FTC identity theft report and placing fraud alert on my credit files and requesting that it be deleted from my credit files. 

I have provided the companies with proof of identity theft of my personal information and passwords while I was under the care of a caretaker in whom I trusted. I reported the suspect XXXX XXXX who stole and had access to all of my personal information while I was ill to the FTC. 

There is not way that they can verify that I opened or authorized the opening of following accounts, especially with proof of myself being a victim of identity theft. 
They are unverifiable, inaccurate, and questionable. 

According to FCRA, everything HAS to be 100 % accurate on my credit report and these accounts are in violation of not reporting 100 % accuracies.
Product: Checking or savings account

My name is XXXX XXXX I am filing this complaint for myself against current bank which is a choice financial group I had deposited {$100.00} and {$76.00} into my account online on XX/XX/XXXX at XXXX XXXX. I tried to transfer my funds to my go to bank account which is through XXXX XXXX XXXX and when I tried to transfer it it said this action could not be completed at this time please try again later but it charged my current account so it took all my money out of my current account and did not deposit it into my go-to bank account and now the money is pending and I have no money but both Banks are saying that there's nothing that they can do so nobody will give me my money nobody will do nothing for me and I'm broke losing stuff because I can't make my payments on time because those banks will not give me my money I would appreciate it if something was done about current bank please thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

someone used my name to apply for credit these inquires listed on my credit report are fraudulent i am victim of identity theft here are the inquires. 

FRAUDULENT INQUIRES : 1.XXXX XXXX XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX 6.XXXX XXXX XXXX 7.XXXX XXXX
Product: Debt collection

I am writing to formally dispute the amount of {$720.00} that RentDebt Automated Collections, LLCclaims I owe. After reviewing my payment history, it is clear that this amount is incorrect as I have made payments in person via cashiers check that have not been properly accounted for. 

I kindly request that your office reviews this documentation and corrects the balance to reflect the accurate amount. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and applicable state laws, I also request the following : 1. A detailed accounting of the alleged debt, including how the amount was calculated.

2. A copy of the cashiers checks submitted and any documents that substantiate the claim that I owe this debt. 
3. Immediate cessation of any collection activities related to this disputed amount until the matter is resolved. 

Please provide a written response to this dispute within 30 days of receiving this letter. If you determine that your records were incorrect and the balance is cleared or adjusted, I expect confirmation in writing. 

Thank you for your prompt attention to this matter. I look forward to your timely response and resolution. If you have any questions or need further documentation, you can contact me directly at XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Equifax has not removed outdated personal information after requesting and providing proof of my correct NAME, DOB, SSN and ADDRESS.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have created an account with Experian a while back to investigate the significant negative dips in my credit history. XXXX I was in a hole. By XXXX a landed a much needed stable job, and started to significantly increase my credit score. When I created an account with experian I had noticed 1, or 2 accounts that were closed and reported paid. But yet it was continuing to negatively hit my credit rating. I disputed and asked them to step in but in return I recieved generic responses and offers to sign up for premium services to better find resolutions XXXX and XXXX that is used directly to one of my banks shows substantial differences in my FICO- close to 60-80 points. Experian dips heavily into the negative score and when I do my research to try and reference- the other credit reporting agencies it just doesnt add up. Im creating this ticket to help find out why and if Experian is falsely deflating my credit score, as Experian will not provide correct information to the consumer.
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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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.
Product: Debt collection

I saw that the company placed a collection on my credit report. I called on Monday,   XXXX   XXXX   XXXX     and requested that it be removed from my credit report as it has already been filed under my bankruptcy and they have not done so. I called again today and nothing was handled. This is the company  WIlliam and Fudge Inc.
Product: Debt collection

Hello, I have recently been move involved in my credit and credit history. I recently noticed a collections from Midland Funding LLC for an account from " XXXX XXXX. '' I have never signed up for nor have has a " XXXX XXXX '' card. I reached out to the company to receive any type of itemized statement to review this debt and they are refusing. They said my letter was sent out in 2018, they have a previous address on file which they would not allow me to update today. The address they have on file is a XXXX XXXX address and in 2018 I was living in XXXX I am now back in XXXX XXXX, but not at that previous address. This account was defiantly opened fraudulently, and now Midland Funding is making it impossible to verify and dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my report incorrect information is being reported to my personal credit file. The XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquiries to be removed - XXXX XXXX  Inquired on XX/XX/2020, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX Inquired on XX/XX/2020, XXXX Inquired on XX/XX/2020, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed a repossession on my credit but the results from XXXX were that the information was stated as accurate by InstaCredit Automart. Today I spoke with XXXX at InstaCredit and have documentation that I have XXXX XXXX balance and owe nothing for the repossession. InstaCredit Automart stated i need to dispute it with the credit bureaus but the credit bureaus states InstaCredit said its accurate but I have documentation from InstaCredit that proves otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. Experian and XXXX must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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

In accordance with the fair credit Reporting act XXXX Account # XXXX from XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Product: Checking or savings account

On XXXX XXXX I made a deposit in the amount of {$3000.00} cash to Citi Bank Atm number XXXX between XXXX XXXX and XXXX pm. The machine took my money and did not give me a receipt and said something went wrong. 

I contacted Citi bank customer service to inform them and went into the bank and was told they do not have anything to do with the Atm. 

Customer service saw the atm was reading something went wrong and refused to issue me the credit until they fix their malfunction machine. 

I informed Citi I had XXXX 's to pay and checks are going to bounce and they refuse to return my funds.
Product: Checking or savings account

I had bought {$220.00} worth of items from a website that I canceled and they issued a refund to my Venmo account. After the allotted amount of time and still no refund I contacted Venmo. They proceeded to tell me they already gave me my money and it was just a glitch on my app not showing me but to trust them on their end I have been paid. Well on my end the money was taken and never returned and my balance never increased either. So they said they would send me a statement proving on their end they paid, they told me to look at XX/XX/XXXX on the statement and I will see the XXXX. Well I looked, and on the proof they themselves sent me there was no XXXX, only the XXXX from when I bought the items on XX/XX/XXXX. They said well on their end the statement shows I got my money so to just trust them that I already received it. I never received my money, my balance never went up, and they themselves said theyre working with engineering to get it to show a XXXX on my transactions page which makes me think theyre just going to fraudulently put it on there without ever giving me my funds. I have the proof they sent me themselves that I was never given the money. I was so scared they were going to steal more money from me I went and drained my account last night. Please do not keep money in Venmo or use it to pay for goods and services as they will not resolve your issue whatsoever.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and unauthorized inquiries from my credit report under the provisions of 15 USC XXXX ( a ) and FCRA XXXX ( b ). I am a victim of identity theft as a result of a data breach, and the following items on my credit report are fraudulent and unauthorized by me. 
Fraudulent Accounts : XXXX. Creditor Name : XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1600.00} XXXX. Creditor Name : XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$7200.00} XXXX. Creditor Name : XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3900.00} XXXX. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$510.00} Unauthorized Inquiries : XXXX. Creditor Name : XXXX  o Date of Inquiry : XX/XX/XXXX XXXX. Creditor Name : XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. Creditor Name : XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. Creditor Name : XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. Creditor Name : XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. Creditor Name : XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This Finance Company sold my mortgage to  XXXX   XXXX  and also is reporting public credit report   XXXX   that I still owe a mortgage loan. My account ins blocked in their website
Product: Debt collection

My son was seen at XXXX XXXX  XXXX XXXX XXXX. The bill was paid by Medicaid and AR Services INC is claiming that their client who is the doctor did not received payment for services. I called XXXX XXXXXXXX XXXX XXXX and bill was paid. I also contacted XXXX XXXX  XXXX Billing office and they gave proof bill was paid. I contacted AR services again on XX/XX/24 and notified them that bill was paid and they said they didnt need me to send them proof and was adamant their client was not paid.
Product: Money transfer, virtual currency, or money service

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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

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: Prepaid card

On XX/XX/year>, we received three US Bank VISA Focus cards in the mail. 
The letter with the cards included an account number and routing number. 
There was no name on the card and the name on the letter was Site Supervisor. 
I called the number on the card, XXXX XXXX ( I verified on-line this was the US Bank Focus card phone number ) and spoke with a representative. I told her what had happened and asked had Us Bank sent these to us as part of a marketing campaign and could we just dispose the cards. She refused to answer without me providing the card number on the front of the card. I refused to give her that number because I didn't want to open an account with them and was afraid that by giving her the account number and her logging it into their software system that it would activate the account. What I would like to know is are these cards for marketing purposes and can be disposed of or have actual bank accounts been opened tied to our business address.
Product: Credit card or prepaid card

Ive been noticing the interest rate have been increasing for the last couple of months. I happened to look online and Ive noticed they are charging me a 31 % rate so I called them to explain the situation and all I got was I can call credit Counseling and it cant be lower because its a variable rate, I told the supervisor who was very Condescending when we were talking that it has never been this high, and he told me its nothing they can do.. Capital One inherited the cards from XXXX in 2013.. I have 2 Capital One cards and my other one is not like this.. I need a Resolution because I think its some kind of scamming going on here and after talking to a couple people about my situation, they inform me about the same issues they had with Capital One.. Please help..