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

On XX/XX/year> I signed a RETAIL INSTALLMENT SALE CONTRACT to purchase a brand-new vehicle from XXXX XXXX XXXX with Hyundai Capital America doing business as Kia Finance America financing the loan. I was under the impression that Kia Finance America gave funds on my behalf to purchase the Vehicle. When I contacted XXXX  XXXX XXXX, I was told that the establishment was under new ownership and no longer has any records of the purchase. I did further research and found that there was already a debt associated with the vehicle and the debt in fact belongs to Hyundai Capital America. They actually transferred the debt to my name and never finance any loan. The debt tied to the lien on the vehicle 's title does not belong to me. I asked for proof of how the loan was paid out to the dealership and did not receive any correspondence. I believe that the company has used false and misleading language and advertisement to get consumers to sign over their security interest under the false pretenses of " financing a loan ''. I am left with a debt that does not belong to me. I did not receive any valuable consideration in exchange for the security interest that was transferred to a trust. I believe this company is committing Securities fraud and I have proof of a prior lien on the Vehicle 's title before ever signing a contract. I was not made aware that I would be paying a debt that does not belong to me in exchange to use the vehicle. The proof also shows that they have been doing this fraudulent activity with all of their consumer contracts.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under XXXX XXXX XXXX XXXX ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per XXXX XXXX Code XXXX ( Civil Liability for Willful Noncompliance ) and XXXX XXXX Code XXXX ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, XXXX XXXX XXXX XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of XXXX XXXX Code XXXX ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating XXXX XXXX. XXXX ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.
Product: Debt collection

Harassing Phone Call received from Gurstel Law Firm ( Phone # XXXX ) on XX/XX/2020. At XXXX MST  Phone rang twice. Caller hung up as soon as I answered. 
Gurstel Law Firm is representing XXXX XXXX XXXX  in an attempt to collect a debt.
Product: Money transfer, virtual currency, or money service

PayPal didn't let me settle negative balance for months which resulted to two of my linked accounts to get locked and hard-earned funds being seized. 

My main PayPal accounts XXXX & XXXX was locked because PayPal see they were linked to my older account which had a negative balance ( XXXX $ ) ( XXXX ) After months of calling PayPal, the support agent asked my full name, address and forwarded me to collections department, collections asked me what country i registered my PayPal account, then told me that i should use PayPal messaging on website to solve my issue. 

After sending them a money order to settle the negative balance, the negative balance on my old paypal account was cleared but after a month they sent me an email saying my account is locked and funds will be frozen for 180days. A month before I reached the 180days, PayPal moved the funds out of my account and claimed it as " Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. '' Both of my accounts had a total of XXXX Philippine Pesos or XXXX USD. 

They claim there is a violation then use that as justification to steal my money. All the money I acquired from both accounts are from the onlinegames I managed. Not casino online games, not dirty money but earnings from role-playing computer games where you level your character, and do some quest. 

P.S I'm from the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report there are accounts under a Bankruptcy that I have never filed. I sent a letter asking XXXX, Transunion, and XXXX to provide a method of verification for these accounts. The letter came back that the courthouse provided them with information, I contacted the courthouse and the courthouse sent verification to me providing the information is inaccurate and false. I sent the letter to XXXX, Transunion, and XXXX showing the information they have is false and not true, they provide no information to any credit bureau. According to the FCRA its against consumer rights to report false, inaccurate, and incorrect on someone's credit report. This information is inaccurate and needs to be deleted and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

No of the credit bureaus are responding to the disputes I sent in about incorrect information reporting on my credit file
Product: Credit reporting or other personal consumer reports

I have written this company two times to request a debt validation letter and verification letter and did not receive the letter. I have also written all three credit bureaus requesting the same information previously twice as well. 
After carefully investigating the company XXXX XXXX XXXX XXXX, they are not even licensed to collect in my state that I live in Iowa. 

As such, any attempt to collect the alleged debt from me is in violation of Iowa state law and the Fair Debt Collection Practices Act ( FDCPA ). 

Consequences of Non-Compliance : Please be aware that any further attempts to collect this debt in violation of Iowa law or the FDCPA will be met with legal action. I am prepared to file a complaint with the Iowa Attorney General 's Office, the Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ). I will also seek damages as allowed under state and federal law.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 
ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX- -- ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX XXXXACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXXACCOUNT NUMBER : XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX  XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$370.00} XXXX  XXXX {$46000.00} XXXX XXXX {$30000.00} XXXX XXXX XXXX  XXXX {$6800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. The accounts below need to be corrected : XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX ..., XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX ....
Product: Debt collection

I received a text message from a debt collector with my name in regards to a debt collection. I am not aware of this debt and called to verify the debt and to request how they got a hold of my information and what it was in regards to. They refused to inform me and instead asked me to admit that my name in order for me to be given any information on the debt. The problem is, I havent seen anything on my credit report in regards to this debt which is why i asked for information on the debt for verification.
Product: Checking or savings account

My name is XXXX XXXX XXXX, I temporarily moved out of USA. I gave my forwarding address @ my friend address in US @ XXXX. 

Recently somebody opened a Debit card account # XXXX XXXX XXXX XXXX on my name with Chase, physical card came to my friend 's address, hence came to our notice. However I requested Chase to close this account today, not sure what are the other damages happened or going to happen. 

I see they/fraudster used online username as XXXX, emailid as XXXX XXXX XXXX, this I came to know, when I try to see if I can create online account with the given card number. 

I am out of USA for now, could you please help track this before bigger damage happened?
Product: Debt collection

Southern Management SY reported in XXXX a MajorDerogatory to all three credit reporting bureaus that is inaccurate. We dont owe the client of this debt collector anything. XXXX XXXX, a provider of student housing at the XXXX in XXXX neither substantiated nor provided any proof for their claim. They also never contacted me about their demands. Since I made all payments required under the lease for the student apartment of our son XXXX XXXX in XXXX, I consider these tactics unethical and Im am requesting that the item be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 15 U.S.C. 1681 section 602 A. States i have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

Coinbase Bitcoin Exchange Case # XXXX XX/XX/2017 I can not withdraw a XXXX of dollars worth of Bitcoin virtual currency because I no longer own one of two email addresses required in order for me to authorize the withdrawal via email. I submitted my initial request for assistance from Coinbase in XXXX and although I 've been told that there is a solution, three months later I have n't seen any progress whatsoever and have n't received a single reply to my requests for updates in over a month. 

BTC Vault XXXX BTC
Product: Credit card or prepaid card

Amex offered me a new credit card XXXX. Our business already has a XXXX and a XXXX with outstanding history. The advertisement offered included spending {$10000.00} within 3 months of opening to get rewards, however, AMEX declined transactions and, when contacted, informed me I only have left about {$200.00} after spending no more than {$1500.00}. Customer assistance informed card does not have a pre-set limit which is not true as well. Now I have a card that charges {$300.00} for an annual membership, which was offered to me with rewards I can not achieve cause it does decline transactions and set an incompatible limit to the offer and to our business profile. I can cancel the 3 cards under XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I have a mobile bank account with a bank called current and I got hacked and contacts added out of no where and I got my tax return XX/XX/21 and it was {$1800.00} and when I went to check it was sent to a random person in four separate payments a {$40.00}, {$1000.00}, {$500.00}, and {$300.00} payments to a guy named XXXX XXXX who lives in XXXX, New York. I reported this to the company and they are investigating it but I wanted to get more people involved to try and get all my money back and they locked my account to every other device except my own. But they said they might not get all my money back.
Product: Debt collection

THUNDERBIRD COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thunderbird collections has harassed me numerous times over the phone about a debt that I dont owe. I have told them to not contact me but they continue to harass me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of a bankruptcy entry on my credit report, as reported by your agency. This dispute is made in accordance with the Metro 2 Compliance Guidelines and the provisions of the Fair Credit Reporting Act ( 15 USC 1681 et seq. ). 
On XX/XX/2023, I obtained a copy of my credit report from your agency and discovered that a bankruptcy entry is listed on my report. The bankruptcy entry in question is as follows : 1. This account is in violation of 15 U.S. CODE 1681 a ( 4 ) Consumer Rights To Privacy This Bankrupty Should Not Be on my credit consumer report. You are hindering my ability to get thing you are destroying my life please delete this from my credit report immediately. 


I am disputing this bankruptcy entry for the following reasons : Inaccurate Information : The information regarding the bankruptcy entry on my credit report is inaccurate. I have never filed for bankruptcy or had any bankruptcy proceedings against me. This erroneous information is damaging my creditworthiness and causing me undue financial harm. 
Violation of Metro 2 Compliance : The inclusion of this inaccurate bankruptcy entry on my credit report is in violation of Metro 2 Compliance Guidelines, which require accurate and up-to-date reporting of consumer credit information. 
Violation of 15 USC 1681 : This erroneous bankruptcy entry also constitutes a violation of the Fair Credit Reporting Act ( 15 USC 1681 et seq. ), which mandates that consumer reporting agencies ensure the accuracy of the information they report. 
I am requesting that XXXX promptly investigate this dispute in accordance with the provisions of the Fair Credit Reporting Act. Pursuant to my rights under 15 USC 1681i, I request that you : Conduct a thorough and comprehensive investigation into the accuracy of the bankruptcy entry in question. 
Verify the accuracy of the information with the creditor responsible for reporting it. 
Correct or delete the inaccurate bankruptcy entry from my credit report if it is found to be incorrect. 
PLEASE DO NOT SAY THE COURT REPORTED THIS IMFORMATION TO THE CREDIT BUREAU BECAUSE THAT IS A LIE!! 
The ORC and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 
Please acknowledge receipt of this dispute letter and provide me with a written response within 30 days, as required by the Fair Credit Reporting Act. If the investigation results in the determination that the bankruptcy entry is indeed inaccurate, I request that pplyou promptly remove it from my credit report. 
Failure to comply with the Fair Credit Reporting Act could result in legal action, and I hope to resolve this matter amicably. I appreciate your prompt attention to this dispute and your commitment to ensuring the accuracy of the information reported by your agency. 
Sincerely,
Product: Credit card or prepaid card

when i first learned of your agency, i never thought id click five times and hiding behind XXXX to start a complaint but im XXXX   so theyll deal ... i will be sending you all what XXXX sent amex and thry used to say we know last month we used the term credit not temp credit and now ill send you copies once i get a complaint number ... our whole deal was we ordered something via XXXX and now this ... via XXXX investigation which mentions nothing about simply foing a usps package trace makes sense no? XXXX from XXXX and amex. 
first pge, they mentioned twice name address it was supposed to go too but under the word delivery youll see tracking for package # 1 package shipped too : XXXX  shipping address : XXXX this item usps tracking details : XXXX then some XXXX  yapping third party shipper and more XXXX  hey how bout simple trace package ... then my fault cause i ridnt get what ordered and no signaturre proof my fault too ... : next from XXXX, maybe you getit a bunch of restricted info then you got ta see it, like place by place trace says approved still XXXX  says delivered or signature proof.. last page i circled " it was delivered and signed by on to the address listed below '' and thats it and thats why amex writes that credit we taken back cause XXXX  aint prove XXXX ...
Product: Credit reporting, credit repair services, or other personal consumer reports

CBNA made a hard inquiry of my credit score. I  never requested it, it just showed up when I looked at my   XXXX   XXXX   report.   This hard inquiry was made  on  XX/XX/XXXX .    XXXX  This is not the first time it happens. CBNA made another hard inquiry  on  XX/XX/XXXX ,   again I never requested it authorized for them to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX, Has violated my rights 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section state : 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 conviction 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 customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

After carefully reviewing my credit report, I noticed several incorrect accounts that I suspect were added without my approval.
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It's my understanding that Equifax will investigate these accounts for me to ensure accuracy. Here are the accounts I am asking you to verify as accurate. 

XXXX : # XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX XXXX : XXXX XXXX
Product: Credit card

I received an monthly invoice for my credit card with AAA Travel Advantage Visa Signature, which uses Comenity from Bread Financial. The amount due was {$7100.00} and was due on XX/XX/XXXX. I sent a check for the entire amount on XX/XX/XXXX. They didn't cash the check until XX/XX/XXXX. As a result, they are charging me a {$30.00} late fee and {$150.00} in interest. 
This is not unusual for this bank ; they sit on incoming checks for weeks at a time, every month. I believe they are making millions of dollars in late fees and interest for which they are not entitled. I don't know if this is just long-standing incompetency or if it is intentional. 
Can you help me get my late fee and interest back? Thank you.
Product: Debt collection

Over a year ago I went into the process of looking into the details of my credit more closely to prepare to eventually purchase a house. I saw an account for a credit card that was apparently opened up, and maxed out. The total reported from the collection company was {$490.00}. I contacted the company- XXXX XXXX- and they sent me a report of the details of the transactions. I saw that the card was only used strictly for cash advances- and when there were no more funds available- the card went unused and eventually closed. Getting the details of how the card was opened, and where it was sent to- it was disocvered that it was sent to the address I was living at previously with my ex-girlfriend- where she at the time still lived. She had access to all my information and based off the the details it appears that she was the one that opened it and used it for cash advances. Since I had proof I no longer lived at that address- and knew that I did not open that account- I filed a police report on XX/XX/2017. On XX/XX/17 I received information from the XXXX Police Dept that my report was approved and would be investigated. I confirmed with the Financial Crimes Unit today that it is still being investigated. However, even after submitting a police report to XXXX XXXX, and formally disputing it online- it still appears on my credit report and I would like it to be removed.