23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - have closed my account in the beginning of XX/XX/2017 without contacting me. They kept sending me the bills and at the same time they have put my card in collection. They started saying I had to make full payment to stop the collection and/or accept they high interest if I had a payment installment. For that reason I didn't make XX/XX/2017 payment and I contacted XXXX XXXX XXXX XXXX to help me negotiate the interest and have monthly payments I could afford. It was negotiated in XXXX and even though we had the agreement they kept reporting late payment to the credit bureaus. I would like it to be removed from my credit reports as I made payments agreed on time and I have a proof of it. Also, if they could remove XX/XX/2017 late payment as well, as I believe I though the minimal payment was done and they never notified that it wasn't. I feel very hurt my XXXX XXXX because they have put my account in collection without first talking with me about it and trying to find a great and fair agreement.
Product: Credit reporting or other personal consumer reports

My rights under the Gramm-Leach-Bliley Act, specifically 15 USC 6802 ( b ) and ( c ), have been violated by the improper handling of my personal financial information.

According to 15 USC 6802 ( b ), financial institutions must provide clear and conspicuous notice about their privacy policies and practices, including the categories of information collected and disclosed, and the third parties with whom the information is shared.

Additionally, 15 USC 6802 ( c ) requires that customers be given the opportunity to opt-out of the disclosure of their nonpublic personal information to nonaffiliated third parties.

The specific ways my rights have been violated are as follows : Lack of Proper Notice : I have not received any clear and conspicuous notice from the financial institution ( s ) responsible for the information reported to your bureau about their privacy policies and practices. There was no explanation of the categories of information collected and disclosed, nor a list of the categories of third parties with whom my information might be shared.

Failure to Provide Opt-Out Opportunity : I should have been given the option to opt-out of any sharing of my nonpublic personal information with nonaffiliated third parties. To date, I have not been provided with any means to exercise this right. 

Unauthorized Disclosure : Without the proper notice and the opportunity to opt-out, my personal financial information has been shared with nonaffiliated third parties. This unauthorized disclosure has led to the inclusion of inaccurate information on my credit report.
Product: Vehicle loan or lease

I purchased a XXXX Hyundai XXXX in XXXX. That car came with a defective backup camera and since XXXX, XXXX I have been trying to have that camera replaced through the warranty. 
I took to the Hyundai service center in XXXX XXXX, as well as XXXX XXXX, CA. 
In XXXX, XXXX Hyundai XXXX XXXX diagnosed as defective and needed to repair, and in XXXX, XXXX when I took my car to have the backup camera repaired, I was told by the XXXX at that location that since I gave them a poor score rate when I received a survey, that was the last time I was going to be allowed at that location, and my repair was not done. I asked them to send the part to the Hyundai Dealership in XXXX, CA, so I could get that replacement over there and they told me that they would get back with me, but I never heard back from them ( XXXX XXXX ). I filed a complaint with Hyundai Motor XXXX and up-to-dat my issue has not been resolved. The last time I heard from a representative named XXXX representing Hyundai Motor XXXX  was on XX/XX/XXXX via email. She provided me a number to call at XXXX ext. XXXX. That number and extension goes straight to voice mail and they never return customer 's calls. I contacted Hyundai Corporate XXXX  at XXXX on XX/XX/XXXX and spoke to XXXX, and she told me that since complaints are handled by a XXXX  party, she could not help me to reach XXXX. I sent XXXX an email on that same day and asked for a call back and as of today ( XX/XX/XXXX ), I haven't heard from her or anyone representing Hyundai. My case number is # XXXX I also had a promotional subscription for XXXX that was set to expire in XXXX, XXXX and I accidently hit the cancel button on XX/XX/XXXX and I immediately called to get that subscription reinstated, since it does not expire until XXXX, XXXX. I spoke several times with numerous representatives and was promised reinstatement, but that was never done. On XX/XX/XXXX I spke to XXXX that said he did put a ticket for reinstatement of subscription and up-to-date I have not heard from Hyundai - XXXX or XXXX any confirmation of subscription reinstatement. I was also told to go online to reinstate subscription, but when I go online, the system does not offer reinstatement and requests XXXX payments of {$XXXX} each. I explained that to XXXX and other representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for the inquiries on my credit report. The inquiries were removed, however my credit score was not addressed. The inquiries which were removed had a negative impact on to my credit score, therefore their removal should have a positive impact to my credit score.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 ACCOUNT # XXXX, XXXX XXXX | ACCOUNT # XXXX, XXXX XXXX | ACCOUNT # 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 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.

My dispute remains unresolved, and I am deeply concerned about the negative impact these inaccurate accounts are having on my credit score and financial well-being. I have provided substantial evidence supporting my claim.

I urge you to immediately investigate these discrepancies and remove the disputed accounts from my credit report permanently. Failure to do so within 15 days will unfortunately force me to escalate this matter further.

Please be advised that I have contacted the Georgia Attorney General 's Office to seek guidance and assistance in resolving this issue. Additionally, I am prepared to pursue legal action for violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. This includes the potential for seeking damages arising from the harm caused by these inaccurate reports.

I sincerely hope that we can resolve this matter amicably and avoid the need for further action. However, I am fully prepared to take all necessary steps to ensure that my credit report is accurate and reflects my true financial standing.

Please respond to this letter within 15 days with a confirmation of the removal of the disputed accounts. I look forward to a prompt and satisfactory resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the XXXX XXXX XXXX Georgia ( Case No. XXXX ) The information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. 
Fraudulent Account/ Transaction/ XXXX XXXX XXXX XXXX XXXX XXXX ; Balance : {$9600.00} ; Opened : XXXX XXXXXXXX XXXX It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account and unauthorized inquiries. Your agency failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ) ( a ). The FCRA requires immediate removal of fraudulent information from credit reports following a valid identity theft report, which I have provided. Such inaction is further aggravating the distress caused by this identity theft. There has been no legal proof of the marks has been provided or proven. I have reported the theft of my identity to the Federal Trade Commission ( FTC ) and have enclosed copies of the supporting documents, including the FTC Identity Theft Affidavit. This unauthorized reporting has negatively impacted my credit standing. I respectfully request that the FTC, FDIC, & CFPB investigate this matter and take appropriate action to ensure that the erroneous and derogatory information is removed from my credit report. I am also pursuing complaints at federal levels to address these violations because my consumer rights have been violated and belittled.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen. I have charges for XXXX XXXX. I contacted them to let them know it was fraud. I asked for a copy of the applications and or account used for the fraud as per my right under this department and here 's the response : The message sender has requested a read receipt. To send a receipt, click here. 


Dear XXXX, I did not speak with you earlier this week, and was not informed that your wallet was stolen. 

Since we are a law firm we must protect our clients information, but if the police make a request I can send it to them. Your name was not used and the card was provided as if it belonged to the person. 

We have already refunded the charges to your card. 

Warmest Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Main : XXXX Fax : XXXX ****************************************************************************************************************************** This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and is legally privileged. The information being transmitted is intended only for the use of the individual or entity named above. If the receiver of this electronic transmission is not the intended recipient, please be advised that any dissemination, distribution or copying of this communication is prohibited. If you have received this electronic transmission in error please notify us by telephone and delete this message and any attachments from your computer system. 

****************************************************************************************************************************** From : XXXX XXXX [ XXXX : XXXX ] Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : Re : Affidavit of Forgery XXXX Per our conversation earlier this week, my wallet was stolen as was my identity. So I certainly do NOT know anyone by that name. 

Per the FCRA I am entitled to a copy of any and all applications and other business records relating to transactions and accounts that have that have resulted from the theft of my identity. Please consider this my formal request for records. I would appreciate the records being sent electronically via email so that I can turn them into XXXX Police. 

I will complete the affidavit this week and return to you. Do you require a mailed copy? 

I'm not clear why a refund would be issued. My bank has already flagged the transactions as fraudulent and reversed the charges. What I do need written assurance from your organization is that no further charges will occur. I've done extensive research on your firm and auto charging seems to be a matter of complaint regarding your offices. 

I look forward to receiving the copies requested and for this matter to be closed. 

Thank you XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have a credit line that is {$750.00} and taken out in XX/XX/XXXX. I pay {$100.00} a month and my balance today as of XX/XX/XXXX is {$850.00}. If there needs to be a poster boy for predatory lending then Credit Fresh would be it!

You should truly examine how this is allowed to happen!!
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Accounts Reported on My Experian Credit Report Dear Experian, I am writing to formally dispute XXXX fraudulent accounts that are currently being reported on my credit report. These accounts are not mine, and I believe they are the result of identity theft. 

The details of the fraudulent accounts are as follows : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. Given that these accounts were fraudulently opened without my knowledge or consent, I am invoking my rights under the FCRA to dispute these accounts for the following reasons : Inaccuracy : The accounts listed do not belong to me, and I have never had any dealings with these creditors. 
Identity Theft : These accounts were opened fraudulently using my personal information. 

I request that Experian conduct a thorough investigation of these fraudulent accounts and remove any inaccurate, incomplete, or unverifiable information from my credit report. Please inform me in writing of the results of your investigation and provide me with a copy of my updated credit report once the investigation is complete. 

Additionally, if the investigation reveals that the information is indeed inaccurate or unverifiable, please notify the creditors in question of the deletion of the accounts from my credit report. 

If you require any further information or documentation from me to assist in your investigation, please do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Beginning in XX/XX/year> I became a victim of a multi-layered crypto currency trading platform fraudulent scam, that was advertised on XXXX. 

In the beginning, I sent small amounts of money through XXXX XXXX XXXX, and XXXX to a platform call " XXXX XXXX '' with website of XXXX  Then on XX/XX/year>, I sent from XXXXXXXX XXXX two wire transactions of {$25000.00} and {$13000.00} to XXXX Kraken/ Payward Ventures . Soon after, I learned that I was a victim of a money laundering scam. Had I known, I would never have pursued this path. 

I transferred the money to pay XXXX XXXX so that I could withdraw my winnings over {$120000.00}. I transferred the {$25000.00}. I was not able to send the {$13000.00} balance. 

Immediately after sending the {$25000.00} Kraken notified me by email that they will be closing my account and I should remove all money within 3 days. Kraken returned my {$13000.00} wire transfer. I closed my Kraken account.

Kraken had the opportunity to hold or cancel the suspicious transaction. They could have done more to protect me and my money from money-laundering and falling into the hands of criminals. Had I been advised of the situation, I never would have made the transaction. 

The XXXX Kraken/ Payward Ventures must do more to protect " gullible XXXX  '' from being scammed out of their cash.
Product: Debt collection

I am receiving NUMEROUS calls for someone named  XXXX   RPM (  Receivable Performance Management ) at phone number  XXXX . I am NOT  XXXX  nor do I know a  XXXX . I have had my phone number for 9 years such it is unlikely this was  XXXX  's number. RPM continues to call me about a debt  XXXX  owes. When I tell them I am not  XXXX  they hang up. When I call back they put me on hold  for 3 minutes, pick up and immediately hang up. When I call from a different phone and get through to a person  and explain the problem I get put through to a voice mail  of a manager that is full and at which time the system automatically hangs up on me. It is tiresome harassment that I have on multiple occasions tried to correct. PLEASE MAKE THEM STOP.
Product: Checking or savings account

I received 4 emails from Bank of America saying a bank account was open, approved, and then eventually the email was changed. I have no history with Bank of America and have never used their services. I immediately called the bank to close the account and report fraud and went to a branch to make sure it was closed. I have no new inquiries on my credit report for the opening of an account. I am not sure how an account can be opened without a credit report run. This needs to be looked into immediately to ensure the financial safety of all customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX An Amount {$20.00} Dates XX/XX/2022 In accordance with the Fair Credit Reporting Act XXXX Account # 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent a wire transfer of {$68000.00} via XXXX XXXX to XXXX ( Part of Coinbase ), which arrived at their bank account in XXXX XXXX NY. The funds were confirmed transferred and a wire return has not been initiated, but the funds were not made available in my XXXX account. 

I 've contacted Coinbase/XXXX by multiple means. I 've submitted a claim on their website, called in, and escalated my case via their services, but have yet to hear back about my money. 

My Case Number is # XXXX, and that should provide all the information that is necessary for the company to identify me and my account.
Product: Credit card

Macy 's department Store Card did not forward statements to new address and after 3 months only notifications was from collection company. As soon as notice was recieved full balance was paid off ( {$300.00} ). Macy is unwilling to remove derogatory mark from credit and believe their policy for not forwarding statement leads to late payments etc. Currently, my credit score dropped XXXX points and assuming most of it is due to Macy 's. I 'm unable to get mortgage due to their lack of customer service and compliance with USPS.
Product: Debt collection

I sent American Credit Acceptance a notice, requesting an alleged debt to be validated pursuant to 15 USC 1692g. Notice was mailed on XX/XX/XXXX, and confirmed received on XX/XX/XXXX. There has been no correspondents to the letter sent. Silence means that they agree, the demands that were in my letter need to be met.
Product: Consumer Loan

I traded my XXXX XXXX XXXX LEASE for a new XXXX XXXX XXXX XXXX, XXXX. I sign all the paperwork and take the car home. Aweek later I receive a call to come in. I get pressured to sign newcontract with a higher payment due to some error. I could not leave thepremises until I signed this paperwork. I later find out it was due to KIA notFUNDING my new loan. It took KIA several months later to FUND thisloan. I put in a previous complaint against KIA and they have nowremoved these lates from my credit. This complaint is for the higherpayment that I was forced to sign for their mistake. Now that the lateshave been removed, I should be able to have the original terms offered.