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

The total balance of {$4900.00} of the remaining loan on the vehicle was paid off on XX/XX/XXXX to Kia Finance. I was told that I would receive the title to the vehicle within 2-3 weeks, and I have yet to  receive the title. I have called about three to four times between XX/XX/XXXX and the first week of XX/XX/XXXX. 
The first time I called in XX/XX/XXXX, I was told by a customer service representative that Kia Finance had sent the DMV notice that the loan had been paid off and that the title should be  transferred to my name. The second time I called, I was told the same thing and told to contact the DMV. In early XX/XX/XXXX, I contacted the DMV and was told that Kia Finance never sent notice that the loan had been paid off. I then called Kia Finance again and was told that the DMV was refusing to release the titles because Kia Finance owes the DMV fees or taxes. Kia Finance lied on multiple occasions by telling me that I would get the title to my vehicle within a few weeks and is refusing to do what needs to be done on their end so I can obtain the title to my vehicle which is completely paid off.
Product: Debt collection

XXXX sent a bill dated XX/XX/XXXX and sold my debt to CBE Group in XXXX XXXX XXXX on XXXX. I received the statement from both companies on the exact same debt on the same date. This is confusing. I called XXXX to arrange a payment to pay the debt XX/XX/XXXX but they refused. They are still collecting while having sold my debt. I don't know who to pay or if I should pay XXXX if the debt is not theirs anymore. I am sure this is illegal.
Product: Student loan

I called Sallie Mae in XXXX to make arrangements to pay. We agreed on the amount for me to pay. I am current with the arrangements, however they call me twice a day and email me everyday. I have called them to ask why they have to call me so much, they cant seem to answer the question. This is very aggravating and I hesitate to answer the phone.I am the co-signer on this loan.I just want them to stop calling me unless my payments are delinquent
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX of XXXX regarding their unauthorized credit checks that were conducted without my permission and resulted in multiple hard inquiries on my credit report. These inquiries have caused significant damage to my XXXX XXXX, making it difficult for me to apply for any other lines of credit. Additionally, I would like to emphasize that XXXX of XXXX had no valid reason to run these credit checks, as I already had a payment arrangement with my bank for the transaction in question. 

XXXX. Background : On [ insert date ], I visited XXXX of XXXX to inquire about purchasing a vehicle. During my visit, I was not clearly informed or given my consent for them to run a credit check. However, XXXX of XXXX proceeded to run my credit report, resulting in XXXX hard inquiries being made on my credit file. These inquiries have caused a substantial drop in my XXXX XXXX, which has directly impacted my ability to apply for other lines of credit. Furthermore, I would like to clarify that I did not require a credit check because I had already arranged for payment through my bank for the vehicle purchase. The payment was already secured, and I was under the impression that my credit would not be run, as there was no need for further financing or credit approval in this instance. Despite this, XXXX of XXXX ran my credit without permission, which I believe was unnecessary and unjustified. 
Legal Violations : Violation of the Fair Credit Reporting Act ( FCRA ) : FCRA ( 15 U.S.C. 1681b ) clearly states that a consumer 's credit report may only be accessed with the consumers written permission or under specific permissible purposes such as for credit transactions initiated by the consumer, employment, or legitimate business need. In my case, there was no reason to run my credit since I had already secured a payment with my bank. 
Under FCRA Section 1681b, a hard inquiry is only allowed when a consumer has provided express permission. Since I did not give XXXX of XXXX authorization to run these credit checks, the inquiries were unauthorized and a violation of FCRA. 
FCRA Section 1681i gives consumers the right to dispute inaccurate or unauthorized information on their credit report. The multiple hard inquiries made by XXXX of XXXX were unauthorized, and I request their removal from my credit report. 
Violation of the Fair and Accurate Credit Transactions Act ( XXXX ) : FACTA ( Section 609 ( a ) ( 1 ) ) requires that consumers be informed of any credit inquiries made, and that these inquiries must be legally permissible. Since I did not need credit approval and had already arranged payment through my bank, these inquiries were not permissible under XXXX. 
Violation of the Consumer Credit Protection Act ( CCPA ) : Under CCPA, creditors are required to act in a fair and responsible manner when using consumer credit information. Unauthorized credit checks, especially when there was no need for them, are considered unfair and deceptive practices that are prohibited under the XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and identity theft. As a result, the following unauthorized account has appeared on my credit report. Pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete this account from my credit report immediately. 
Unauthorized Account : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XXXXXXXX XXXX Amount : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These address are incorrect and need to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX updated my credit file with XXXX and TransUnion that XX/XX/2023 was late. 
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy.

Under 15 USC 1681 section 604a section 2 also states consumer reporting agency can not furnish an account without my writing instructions. Under 15 USC 1666b a creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

IDENTITY THEFT This notice is to inform XXXX  XXXX XXXX, American Express and XXXX XXXX  XXXX XXXX that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. I am writing to dispute these XXXX  XXXX XXXX, American Express and XXXX XXXX  XXXX XXXX, fraudulently opened in my name. I am a victim of identity theft. XXXX  XXXX XXXX, American Express and XXXX XXXX  XXXX XXXX are attempting to collect an alleged debt on the basis of fraud, misrepresentation and violation of violations of Fair Credit ReportingAct ( CFRA ) 15 U.S.C. 1681s. I DO NOT GIVE XXXX  XXXX XXXX, American Express and XXXX XXXX  XXXX XXXX AUTHORIZATION TO OPEN OR PUT ANY REMARKS ON MY CONSUMER REPORT. Pursuant 15 U.S. Code $ 1681c-2 Block of information resulting from identity theft. My information was exposed in a data breach and you got to remove this information don't turn my dispute into a 30 day dispute under section 605 B this should be removed within four days. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed. My identity has been stolen, you are hereby put on notice. Aggravated Identity Theft pursuant to 18 U.S.C. $ 1028A. The Following accounts is a result of Identity theft and was not initiated by me, I demand that this account is DELETED immediately 15 USC 1692 K and 15 USC 1640 Civil liability. 15 U.S. Code 1681n - Civil liability for willful noncompliance.
Product: Credit reporting or other personal consumer reports

This erroneous reporting is a violation of FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).
Product: Credit card or prepaid card

I learned that Synchrony Bank closed my XXXX XXXX XXXX and Amazon Credit card sometime in 2022 without my knowledge or without sending me written or electronic notification. I would not have found out about the account closures unless I had applied for a mortgage in which the lender brought it to my knowledge that these accounts were showing " closes '' with past due balances. 

I called Synchrony Bank and they told me they closed my XXXX XXXX because I had a returned payment in XX/XX/2022. They were not able to inform my as to why they closed my Amazon card. They told me that I could request to have my account re-opened but it would take 30 days to review the request and to please call back in XX/XX/2022. 

I do not have any documents to submit for my complaint as Synchrony Bank has not formally notified me that my accounts are closed - However I can not use my cards even with the available credit on the cards as they are deemed closed. 

I have read that similar situations have happened to numerous other Synchrony Bank cardholders. 

Closing an account without notifying the account holder is alarming and not professional. Please investigate the actions of Synchrony Bank. 

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

In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 sections 602 states I have the right to privacy 15 usc 1681 section 604 A section 2 also states a consumer reporting agency can not furnace an account without my written instructions under 15 usc 1666B a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purposes.
Product: Credit card or prepaid card

Capital One Venture One Card. 
{$100.00} Interest charge billed on XX/XX/2021.

I paid off my credit card balance on XX/XX/2021 after calling and getting the payoff. I actually overpaid to make sure I wasn't going to get billed any extra interest. The overpayment amount ended up being {$270.00}, which was refunded to me on XX/XX/XXXX. 4 days later on XX/XX/XXXX the interest charge then appeared on my statement. 
I called Capital One today and asked to have the charge removed, which they refused to do. 
I am upset and feel powerless, thus the reason I am contacting you.
Product: Debt collection

This is a fraudulent account that was open. I am not responsible for this charges. I need that this collection company remove this from my credit report. I am submitting a copy of the Identity theft report that I submitted to the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint and request assistance regarding inaccurate information on my credit report, which I have brought to the attention of TransUnion on XX/XX/XXXX. Despite my initial contact, I have not received a response from them to date. As a concerned consumer, I believe that TransUnion has an obligation to comply with federal laws and regulations, including the Fair Credit Reporting Act ( FCRA ). 

The inaccurate information on my credit report involves the following account : Account Type : COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} This account does not belong to me, and I request that it be promptly removed from my credit report. 


Additionally, I request that TransUnion verify the following account for accuracy : Account Type : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Your reporting of this account contains inaccuracies. The reported balance of {$2000.00} is incorrect, as I believe it should be a lower amount. Moreover, the Past Due amount should not be presented, as this account is closed and charged-off. I kindly request that you mark this account as disputed while I resolve the matter with the creditor. Furthermore, I ask that you verify the accuracy of the Date Opened, Date of Status, and First Reported for this account.
Product: Money transfer, virtual currency, or money service

XXXX XXXXXXXX XXXX 2021 XXXX {$40.00} add, XX/XX/year> - XXXX {$130.00} cash out, XXXX 2021 XXXX {$120.00} cash out, XX/XX/year> XXXX {$230.00} cash out, XX/XX/year> XXXX {$180.00} cash out, XX/XX/year> XXXX {$130.00} cash out, XX/XX/XXXX XXXX {$230.00} cash out, XX/XX/year> XXXX {$120.00} cash out, XX/XX/year> XXXX {$390.00} cash out, XX/XX/year> XXXX {$190.00} cash out, XX/XX/year> XXXX {$220.00} cash out, XX/XX/year> XXXX {$160.00} cash out, XX/XX/year> XXXX {$110.00} cash out, XX/XX/year> XXXX {$110.00} cash out, XXXX 2021 XXXX {$280.00} cash out, XX/XX/year> XXXX {$220.00} Cash out, XX/XX/year> XXXX {$290.00} cash out, XX/XX/year> XXXX {$240.00} cash out, XX/XX/year> XXXX {$95.00} Cash out, XX/XX/year> XXXX {$200.00} cash out, XX/XX/year> XXXX {$150.00} cash out, XX/XX/year> XXXX {$70.00} cash out, XX/XX/year> XXXX pm {$200.00} cash out, All This activity went to the wrong account my account info was removed and replaced on XX/XX/year> not by me... 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX SC and XXXX SC there was multiple transactions. 

XXXX  XXXX no none of these transactions went to my account! card information was changed in the app cash app would not provide me with the card information
Product: Credit reporting or other personal consumer reports

Navy FCU reported a late payment on my consumer report without my knowledge or written permission or instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU BROKE THE LAW Experian Pursuant to 15USC 1681 ( A ) ( 1 ). The banking system is dependent upon being fair and accurate. After taking a look at my consumer report, I realized that my report was inaccurate, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified during your companys initial investigation that you were going to report this information pursuant to 15USC 1681 ( A ) ( 1 ). 
This grave error has undermined my confidence in your companys procedure, and as a result of this I will no longer be extending credit, and if this information is not removed, I no longer want my information reported in your companys database. 
Pursuant to 15USC 1681 ( A ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness.

Pursuant to 15USC 1681 ( A ) ( 3 ) Your company assumed this role. You were not given expressed permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information, but you also assumed this role and assumed this information was valid, which is a violation of my consumer rights.

Pursuant to 15USC 1681 ( A ) ( 4 ) You did not insure that this information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this violated my rights to privacy. ( See attached documents ). 
Pursuant to 15USC 1681A ( D ) ( 2 ) ( A ) ( i ) Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report. Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights Pursuant to 15USC

1681A ( D ) ( 2 ) ( A ) ( iii ) In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact a violation.

Pursuant to 15USC 1681 ( A ) ( B ) Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15USC 1602 ( i ) ( See attached documents ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # 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 I purpose.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft and data breach where my information was compromised and used without consent. I submitted the FTC report to Transunion XXXX XXXX and disputed the account twice XXXX XXXX and they are saying its verified when it was filed as fraudulent and not my record. I contacted the creditor. I will attach a copy to the report According to the fair credit reporting act 16 CFR 681.1 you are not following the proper protocol how are you reporting information that's not mine. Please remove this from my report as it is causing damage I did not do.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : 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

payments removed from my account now that it has been paid in full and I have since been on time with all recent payments please send Verifiable Proof on how you verify ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. Collection account from XXXX XXXX with account # XXXX and a balance of {$5900.00}. The original creditor is XXXX XXXX XXXX. I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. Collection account from XXXX XXXX with account # XXXX and a balance of {$1500.00}. The original creditor is XXXX XXXX. I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX  XXXX. on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report
Product: Credit reporting or other personal consumer reports

Incorrect personal information on consumer report pertaining to addresses work employment and tenant screening.
Product: Debt collection

This company has called my work issued phone threatening to file with the XXXX County Court on a Saturday. When I asked for what, the gentleman got extremely rude and defensive. I have since blocked the calls. Now they have made several calls to my XXXX year old mother. She has told them each time to stop calling her and to remove her from the list. She decided to call and the gentleman she spoke to was rude and told her that she can not tell him how to do his job and that there is nothing stating to stop the calls.
Product: Money transfer, virtual currency, or money service

I have been using crypto.com for about a year now. I have a debit card through them and have used and spent thousands of dollars through them. 
When I go on the app my wallet balance is there but all of my coins are gone. There is nothing past when I bought coins in my transaction history. I can not sell or buy anything. I can't even access my own money. I basically can't do anything besides see charts on the app now. 
I have been contacting customer support on the app for weeks now. I never get a response once I tell my issue. I haven't gotten one response from 3 closed conversations. And it did not address the issue at hand. Just basically said thank you for contacting us. 
This issue is causing me allot of emotional distress. I can not access anything and seems if they have robbed or scammed me for my money. I believed whole heartedly they were the most legitimate crypto app out there.
Product: Checking or savings account

I'm writing to formally lodge a complaint against SoFi Bank regarding the restriction placed on my account ( [ Account Number : XXXX ] ) due to my direct deposit made into my account. Despite multiple attempts to resolve the issue directly with the bank, I have not received a clear explanation, solution, or timeline for when access to my funds will be restored. 

The restriction on my account has caused a lot of inconveniences, as I rely on it for paying bills, business operations, and medical bills I have tried to contact the bank, but their responses have been unsatisfactory, and the issue remains unresolved. 

Bank Name : SoFi Bank Account Name : XXXX XXXX Account Number : XXXX Date Issue Began : XX/XX/year> Attempts to Resolve : I have called several, and they are not giving me a good time frame to resolve this issue