23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was attempting to transfer money I had in PayPal and ended up calling the number ( XXXX ) XXXX and in the middle of the conversation I was called by another number XXXX and told me to download the app XXXX  XXXX  and were able to see what I was doing on my phone and reviewed my PayPal account to verify if it was the right account, then told me to go to my bank account and told me to press on " send now money with XXXX '' and wanted me to press on send and wanted me to type this XXXX  " XXXX '' and told me to go to my XXXX XXXX  account and wanted to see my bank information in XXXX XXXX and later I called the original PayPal number and told me it was a scam from possibly XXXX because they sounded like someone from XXXX and I changed all my information as fast as possible.
Product: Credit card

Called Synchrony Bank for payoff on my Lowes account and paid it then and there in full. But keep getting billed. Posted in my bank account XX/XX/year> for {$1600.00}. Now Im hounded relentlessly for {$28.00} that keeps going up. I just paid it but will probably get more bills for interest on interest. I asked for the payoff balance there should have not been any interest charged after that since the balance was XXXX. I will never do business with them again! Thieves!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously questioned this account with credit institutions and each time the investigation returned as " verified ''. I decided to go directly to the creditors and file a dispute with them. The lender was unable to provide any form of documentation to verify this particular account with me. If they are unable to verify this account with me- the alleged account holder - there is no way to verify it!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am run my credit last month and I found one account I don't have any relation with it I believe this is a fraud or Identity theft and I help with this fraudulent account remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I just viewed my credit score on XXXX XXXX and noticed that my credit score that is pulled from transunion has decreased by 11 points again. The only change I see they keep changing my address. Each month I receive notice that my address has changed and a new address is listed. I tried to contact transunion in regards to this and was unable to get through to them. My address is XXXX XXXX XXXX NOT XXXX XXXX XXXX. I am also complaining that they are still reporting XXXX XXXX XXXX XXXX as a negative account on my credit report. I have been disputing this account for over 8 months now. It was finally removed from XXXX  but still appears on transunion and XXXX. This information does not belong on my credit report. It has been verified to remove and or block from others seeing but they still are not blocking it and or deleting it. This wrong information is affecting my credit score in a negative way.
Product: Debt collection

The auto loan debt was sold by Hyundai Motor finance to XXXX XXXX XXXX on XXXX 2016, They accept settlement agreement to pay off the account. 
I made the payment in full and they advised after payment clear, they will will reported as paid and XXXX balance. 
they confirm that payment was forwarded to hyundai. this original creditor is reporting to equifax that a have balance of {$510.00} I disputed couple time to hyunday that account has XXXX balance, they refused to report correct information. 
The satisfaction letter have been forwarded to hyunday. 
They acccept my payment, they must remove the balance as account is considered paid
Product: Vehicle loan or lease

On XX/XX/2023 XXXX I tried logging onto the website for Nissan to make my payment the way that I have every month, which is also stated in my contract as a way to pay my loans. It has an error message stating that the site is under maintenance and try again later. I contact Nissan customer service on XX/XX/2023 to inquire about making a payment and was told my only options were to either pay by phone or by mail with check, money order or cashier 's check. I asked about making a payment over the phone and the representative stated that there would be a {$3.00} convenience fee for phone payments. I asked why this fee could not be waived since it is their issue with the site. All I was told is that I'm not due until XXXX and I told her I understand but I also like to keep my payments one month ahead. I explained that I am not wanting to wait until XXXX to make the payment due to the added interest every month. The representative pretty much told me they would not waive the fee. To me this is not right as a consumer it is not my issue that the site is down. I believe this is a way for nissan to gain extra fees for online payments or even sending in checks it takes XXXX days to post so that is also causing the customer to have the additional fees added to their accounts. This is unacceptable as my contact states that I do have ways to pay and since all those options are not available I should not have to pay additional fees for my method of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to dispute the remaining fraudulent accounts and information that has been reported on my Credit File by the Credit Reporting Agencies. Under the Fair Credit Reporting Act section 605b, I am demanding the Credit Reporting Agencies to remove the disputed fraudulent items off of my Credit File as soon as possible. Despite my previous attempts to have the fraudulent items removed from my Credit File, the disputed items are still being reported in violation of the FCRA section 605b. I do not own these accounts neither did I authorized anyone to open these accounts on my behalf. This is unacceptable and I demand immediate action be taken to correct the erroneous accounts, in accordance with the Fair Credit Reporting Act ( FCRA ). I need the following items removed from my Credit File without further delay : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  As we are undoubtedly aware, under Section 611 of the FCRA, it is the Credit Bureaus responsibility to ensure that the information contained in credit reports is accurate and up-to-date. I have fulfilled my obligation by bringing these inaccuracies to the Credit Bureaus attention. It is now the Credit Bureaus obligation to investigate and remove these errors within 30 days, as required by law.
Product: Checking or savings account

I have already filed a complaint this will be my second one. I had approximately XXXX of unauthorized transactions on my bank account ( BB & t ) now Truist. I followed their procedures provided all required documents required and they denied my claim. Well the story just broke and I am not alone there were several other with same problem. They are getting their money back and I need to know what do so I can try and get my money back.
Product: Debt collection

Around XX/XX/2017 I went to the hospital due to being injured at work. Which turned out to be workman comp. My company paid for the bill and later I end up with collection letters and statements saying I owe the money. I tried on several occasions to contact the hospital and they wont speak to me saying I'm a third party.My manager has shown proof that they were paid through workman comp.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit and discovered many accounts that werent Opened by me nor did i gain any benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint to address what I believe are inconsistencies on my credit report. I plan to make a major purchase in the future and my credit is a determining factor in my success. I recently requested my credit report and upon review I noticed there are accounts that appear to be incorrect or erroneous. My intent is to obtain the correct information directly related to the accounts that are currently listed on my credit report. I am unsure about the accuracy of some of the accounts that reviewed and I am not entirely convinced that all the data within these reporting accounts is factual. As per the Fair Credit Reporting Act, I am permitted to challenge published information that appears to be inaccurate or misused. There are also accounts that appeared to be unfamiliar and I have no knowledge of their existence which provoked me to write this letter with the intent to correct information that has been incorrectly reported. 
In accordance with the Fair Credit Reporting Act XXXX the following accounts have violated my rights : XXXX. XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX  XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX Title 15 U.S.C. Sec. 1681 section 602 A states I have the right to privacy.

Title 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 consent to do so.

Title 15 U.S.C. Sec. 1681i ( a ) declares reporting accounts on your credit profile which can not provide irrefutable proof of the account in question must be deleted. Should the aforementioned be found to be applicable to any of the mentioned accounts, please remove or delete them from my profile.

I would appreciate the onset of an investigation so that I might be able to make solid decisions about my credit and repairing it accordingly. I understand that this process takes XXXX days to complete. Once the investigation has begun and has been completed, please remove any accounts with discrepancies in direct violation of the Fair Credit Reporting Act. Lastly, if it is at all possible, I would also like to request a report covering your results and who reviewed my personal information while the investigation was in progress. 
Once again, thank you in advance for your time as you review the following accounts for accuracy in accordance with the Fair Credit Reporting Act. 

ACCOUNTS : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There are multiple inquiries reporting that I am trying to figure out where the permissible purpose for them came from. I disputed the inquiries last month and they came back verified. I'm baffled on how this is so. Now I would like to request the documentation provided that shows my signature in which I authorized the permissible purposes. They stated that inquiries are factual. How can an inquiry that I'm questioning be considered factual without my written consent proving it in fact. I am requesting that the following inquiries be removed from my credit report : XXXX XXXX XXXXXX/XX/XXXX : The evaluation and the data it gathered are unauthorized and erroneous. Please delete this information immediately. 

XXXX XXXX XXXXXX/XX/XXXX : This inquiry and its findings are unapproved and faulty. I request this be expunged from my record. 

XXXX | XX/XX/XXXX : The inquiry and its data are unauthorized and flawed. I demand the deletion of this record. 

XXXX | XX/XX/XXXX : This analysis and its findings are unapproved and erroneous. I request that this be removed. 

XXXX | XX/XX/XXXX : The inquiry and its results are unapproved and incorrect. I insist this information be removed. 

XXXX | XX/XX/XXXX : This investigation and its conclusions are unauthorized and flawed. I request the immediate removal of this. 

XXXX XXXX XXXXXX/XX/XXXX : This analysis and the data obtained are illegitimate and incorrect. I am requesting this be deleted immediately. 

XXXX XXXX XXXX | XX/XX/XXXX : The inquiry and its findings are unauthorized and incorrect. I request the removal of this immediately. 

XXXX XXXX XXXX | XX/XX/XXXX : This audit and the information it produced are illegitimate and inaccurate. I insist that this be removed. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : The investigation and its findings are unauthorized and false. I require the immediate deletion of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

The following account has late payment remarks even though I was always never late for this account. Please review the documents I've sent regarding this.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B it is illegal to report information on my credit report without my permission. Please remove this from my credit. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXXXXXX ACCOUNT # XXXX, XXXX XXXX  XXXX ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXXXXXX XXXX XXXX ACCOUNT 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
Product: Debt collection

On XX/XX/18 a dispute was sent to company regarding XXXX XXXXXXXX XXXX # XXXX {$3100.00} and XXXX XXXXXXXX XXXX # XXXX {$940.00}, XXXXXXXX XXXX {$1600.00} Per the certified mail receipt, dispute was received by company on XX/XX/18. FCRA gives the company 30 days to respond. Today is XX/XX/18 and I have yet to receive adequate response.
Product: Money transfer, virtual currency, or money service

Hi, i was using Coibase wallet and was scammed in a arbitrage trading platform on their site called XXXX, i had XXXX worth of XXXX ( about XXXX USDT ) taken from my account without my permission, I have contacted Coinbase but they say it is not their responsibility and say they can not recover my funds.. I did not make any transaction and have lost everything to the scammers. 

Coinbase will not help me even though we have the wallet address it was sent to and the transaction information. 

Please help me, i have lost everything and coinbase will not help me.
Product: Vehicle loan or lease

I went to XXXX XXXX XXXX on XX/XX/XXXX to purchase a truck. I left that day with my original contract. On XX/XX/XXXX, I received a copy of the contract via email per my request. To my surprise the copy of the contract now has 2 FORGED signatures from the dealership or Chrysler Capital with a date of XX/XX/XXXX that were not on the original contract. Once again, I was at the dealership XX/XX/XXXX NOT XX/XX/XXXX. I feel very deceived that I have been paying on a fraudulent truck for over 2 years. Also they never gave me rights to rescind pursuant to 1026.23 Right of rescission. ( a ) 1-3. No disclosures nor paperwork was provided to me either in the event this was an actual signed contract. I will be filing a formal complaint with XXXX, AG, FTC & NV DMV Compliance Enforcement as well.
Product: Checking or savings account

I cashed a 3rd party check that was signed over to me for the amount of {$18000.00} and there was a 10 day hold put on it. 2 days prior to the hold being lifted chase informed me that my account will be restricted if they can not verify the checks original payee prior to them signing it over to me. They need a verified number but the number I give which belongs to the person they need to speak to, they say is not verified in his name. They wont release the funds or the restriction placed on my account.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX, I signed a lease for XXXX XXXX in XXXX, SC. Within the first week and over the course of my 4 month stay, the leaser/XXXX  violated the lease numerous times and put me in a temporary unit without running water and all the window locks were broken and able to be opened from the outside. There was trash in the unit upon walking in the first time as well as no electric and broken/exposed outlets. This temporary move was activated by an immediate and emergency lock out due to a random assigned roommate reported with a gun in the unit. I never was allowed to get my stuff until the report was resolved which took 3 months to finally get access to before I abandoned my lease. I gave the office a letter outlining why I was legally allowed to abandon my lease due to the violations of the leaser. I was given no response until XXXX. Then I began receiving letters from collections for this incident and so I contacted XXXX XXXX to ask why they fraudulently filed a collections report and they said although I have time and date stamped photos and proper documentation of the violating actions of the company, that they will not stop collections because the old manager who has since been fired, falsely documented that my issues were fixed although my documentation proves otherwise. I am a recent college graduate and can not afford to line their pockets with paying fraudulently filed collections claims.
Product: Debt collection

I do n't owe any medical bills as I have always had insurance. The company has no right to have access to my medical re cords. HIPPA  has been violated.
Product: Credit reporting or other personal consumer reports

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 is Reporting accounts that shouldnt be on my Credit Reports. These Accounts only Show on my XXXX and trans Union but not on my XXXX with fall under [ 15 U.S. Code 1681 - Congressional findings and statement of purpose ]
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccuracy and unauthorized inquiry on my credit report. Upon reviewing my report, I found an inquiry on my Experian credit report in error. I request that the inquiry for XXXX XXXX XXXX XXXX dated - XX/XX/year>, be removed from my profile. I did not open account with XXXX XXXX on or around this time. Please remove this inquiry from my report immediately. 

Prior to reaching out in writing, I attempted to resolve this issue via phone. Unfortunately, my calls were consistently routed to representatives outside of the United States, who were unable to assist me effectively. Despite my efforts, I was not afforded a fair opportunity to resolve this matter. As a result, I am now seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to ensure that my credit report is corrected. 

I would appreciate your prompt attention to this matter and request that you take immediate action to remove the disputed item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After contacting original creditor over 3 months ago I sent notification to Experian that account : : XXXX XXXX is considered as Unverifiable and inaccurate because original creditor has not responded to my validation request.
Product: Credit card

I am disputing the collection account with DISCOVERBANK account number XXXX, dated XX/XX/year>, with a balance of {$600.00} This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that DISCOVERBANK provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.