23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Company : Hyundai finance XXXX XXXX XXXX : XXXX XXXX XXXX I leased the car from them in XX/XX/XXXX and purchased it from them in XX/XX/XXXX Date purchased : XXXX XXXX Amount I paid to Hyundai finance XXXX : {$12000.00} Paid from my checking account at XXXX XXXXXXXX XXXX 1. Company claims they mailed title on XX/XX/XXXX. I did not receive it. Company has my correct address on its files, but they say they wrote an incomplete address when they mailed it. 

2. I have made at least 6 follow up calls with them beginning XX/XX/XXXX and ending XX/XX/XXXX Their representatives have promised to send me both a notarized lien release letter and a certificate of no interest. No one there seems to know which of the two documents I need to transfer title to my name. After each call they promised I would get the proper papers in 3 to 5 business days. So far I have not received anything from them. They have missed several deadlines 3. There is no way to communicate with them by email and get a written response from them to confirm when they will complete the process and deliver the proper papers I need. The only practical means to complain is by phone and that has been very ineffective I seek your help to resolve this problem. I have paid for the car in full and Hyundai Finance should make sure that they do everything expeditiously to help me transfer the title to the vehicle in my name. 

Regrettably they have been quite XXXX in handling this matter. 

Thank you for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

Late XX/XX/XXXX : Contacted XXXX. Suggested some information change. Agent asked about my address. The address they had was incorrect. Told them XXXX XXXX XXXX, XXXX, NJ XXXX is only address. Primary Residence. Should be no Apartment or P.O. Box notation! 

XX/XX/XXXX: Called XXXX to address the address. Told them there should be no Apartment Number or P.O. Box address XX/XX/XXXX : CAlled XXXX again.
Product: Debt collection

The XXXX XXXX- Law Firm has made several calls to my personal phone asking e to pay a debt that is no longer valid under the FDCPA statue of limitations for the State of Utah . 
Account # on their behalf is XXXX. 

This is for XXXX XXXXXXXX XXXX from XX/XX/XXXX/XX/XX/XXXX. 

I have advised them that I was in communication with counsel on this as was worried that they may be in breach of the FDCPA. 
I received another call today. 

How can I relay to them to stop?
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is still reporting unverified information on my credit report
Product: Credit reporting or other personal consumer reports

All inquiries, collections, late payments are all incorrect Ive called wrote letter nothing happened I demand all items be removed immediately.
Product: Credit reporting or other personal consumer reports

Laurel Road Bank was reporting a charge off on my credit report dated XX/XX/XXXX. I called Laurel Bank and they stated they do not have an account in my name. I disputed this charge off with all three credit bureaus this XX/XX/XXXX. Instead of removing the charge off, they re-aged it as new charge -off and now updated my report to reflect a new charge off date of XX/XX/XXXX. In essence they charged off my account twice for the same amount. I have tried contacting them but they keep telling me that I dont have an account with them. When I dispute it they re-age my credit report. This has happened twice because I disputed in XX/XX/XXXX and they re- aged it then. This has caused my credit to drop significantly and has caused me harm to my person and my business. I am in need of a loan for my business due to a disaster however I am unable to get one because the credit bureaus and Laurel Road Bank is reporting inaccurate information on my credit report and when I dispute it they make it worse. They took a 4.5 year old charge off and made it a recent charge off. And when I call Laurel Road Bank they tell me they cant see an account recent or past in my name.
Product: Debt collection

This debt was being paid as agreed until XX/XX/XXXX. The COVID-19 pandemic created a hardship for my household and my hours were cut at the hospital I worked for about XXXX weeks. I then found out I needed a medically necessary XXXX for the sake of my health. I was off work for two weeks to recover and had to use my short term XXXX through my job. I e-mailed this debt collector multiple times and I received no returned responses for months. I asked for a lower payment or deferment of my past due payments until my financial situation was back to normal. Then months after I received these threatening letters about court and judgement for payment. This has made an already stressful time in my life much worse. I lost my father in XX/XX/XXXX unexpectedly of a XXXX XXXX. At the time I was living alone in Colorado, newly divorced. I was first served court papers by this same debt collector during that devastating time. I told them I had student debt but they demanded I pay or theyd sue me in court!! I struggled but I did my best to pay each month. The grief and stress of this debt caused me to leave Colorado to be closer to my children. I then reconciled with my ex-husband and we remarried Fall XXXX. The pandemic caused everything to change!! This past month has been extra hard on my family as there have been deaths in our immediate family of grandparents and most recently my mother recovering from COVID-19. This second letter and continued harassment from this debt collector has made my grief and mild XXXX much worse!! I asked them to work with me earlier this year in late XX/XX/XXXX and they wouldnt!! Now they want to attack me during the holiday season and ruin my credit. I feel because I am an XXXX American citizen that they are purposely seeking to destroy the effort Ive worked so hard to put towards a better life and future for myself and my family!! I pull up my boot straps and they cut them off!!!! I feel violated!! I should not have been paying this creditor more than {$10.00} a month due to my student loan debt!!! I am outraged that this debtor is harassing me and refused to work with me when I asked. I would like them to show proof of my payments to show my debt was in good standing for about a year until the pandemic shut down the entire country!! The money I have paid is the amount of what was owed to the original creditor!! This debt collector is trying to get extra money out of me for their own personal gain!! Shame on them!! Please dont let them ruin my credit if all lives do really matter!!
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against my previous apartment complex, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, ), for unfairly reporting me to the credit bureau for a delinquency that I am not responsible for. I have made repeated attempts to resolve this matter directly with the company since XX/XX/, but they have been unresponsive and have failed to address my concerns. 

Details of the Issue The issue stems from " non-insurance compliance fees. '' that are being charged to my account and reported to the credit bureau as " 30 days late '' These fees are in direct violation of the terms stated in my rental agreement, which clearly states that I am not required to pay any additional fees if I maintain valid insurance coverage. 

Evidence : I have provided the company with copies of the following documentation to support my claim : - Copies of my insurance policy declarations page, showing coverage dates and compliance with the lease requirements. 
- Copies of all communication between me and the company regarding the disputed fees. 
- Copies of my rent payments demonstrating that I have consistently paid the agreed-upon rent amount minus the non-compliance fees. 

Despite this evidence, the company continues to charge and report these inaccurate fees, negatively impacting my credit score. 

Additional Concerns : - Unjustified Fees : The company is attempting to bypass my protest by converting or disguising the non-compliance fees as other types of fees, such as water, sewage, and utility charges. 
- Reporting to the Credit Bureau : The company has sent my account to the credit bureau for fees I do not legally owe, which is a violation of fair debt collection practices.
Product: Checking or savings account

In mid of XXXX, my daughter XXXX XXXX email received two bank accounts opened on behalf of XXXX XXXX one of them is BB & T : this bank opened two accounts without either phone or email verification. On XX/XX/XXXX, I went to BB & T in person to close the account, and set a security alert in XXXX XXXX XXXX. However, today I received another notice saying that on XX/XX/XXXX, my account was overdraft for XXXX dollars, which was supposed closed already on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems tocare, that I want to dispute specific records in my credit file that do not belong to me, or that I havesigned any agreement. The items I'm challenging have nothing to do with any transactions I've done orauthorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX  XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX VETERANS XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Paypal has banned me from using my paypal balance to pay for items on XXXX They did it without my consent. I want paypal to allow me to use my Paypal balance, not my checking account, as the preferred way to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the lost of my identification a couple of years ago, my identity has been seriously compromised and all of these fraudulent inquires I'm demanding to be removed immediately for this is hindering me and is a strain on my true credit worthiness. 

Please remove the following fraudulent inquiries. 

1 ) XXXX XXXX XXXX ( XXXX ) ( XXXX ) 2 ) XXXX XXXX ( XXXX ) XXXX ) XXXX  XXXX ( XXXX ) 4 ) XXXX XXXX XXXX ( XXXX ) XXXX ) XXXX XXXX ( XXXX ) 6 ) XXXX XXXX ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX XXXX XXXX ( XXXX ) 9 ) XXXX XXXX ( XXXX ) XXXX ) XXXX ( XXXX ) 11 ) RXXXX XXXX ( XXXX ) 12 ) XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX ( XXXX ) 14 ) XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

Told them account not mine Asked for proof Sent me back information thats not mine and the social they have is wrong and phone numbers on here is also not mine I sent copies of identity theft and police report and And now im sending proof of social and if information
Product: Consumer Loan

I took this note out XXXX 2013 in the amount of {$1300.00} to help my son out. As of today I have paid in {$6800.00} with a balance of {$770.00} remaining. I was told this was a two year note and as you can see it has been 29 months. I was also told that my due date had been changed to the XXXX of each month only to find out yesterday that it was not moved but I have been receiving late fees each day I am past the XXXX of the month. I have requested a copy of my contract from TitleMax and hope to have by the end of this week.
Product: Debt collection

This company has been attempting to collect on an old debt ( s ). They have asked for me by my marries name which I changed back to my maiden name in XXXX. They have been periodically contacting me for the past 3-4 years. 
When they state who the original creditor is, I indicate that this is an extremely old debt ( s ), I do not owe this debt given the age of the debt ( 10-15 years ), and to please cease telephone contact. The agent ( s ) then begin arguing with me stating that I owe the debt and I need to pay, Im having my wages garnished, you and your XXXX credit score, start paying your XXXXXX/XX/XXXXXX/XX/XXXX, etc. They also state theyre going to keep calling me even though I request them to stop and put any correspondence in writing. 
They claim I owe a debt to HSBC. I do not. A personal loan to XXXX was taken to court in XXXX and the matter finished. This was taken to a court by the original creditor and not a 3rd part debt collector. Ive contacted HSBC myself and my information can not be found. Probably because its over 15 years old. 
On XX/XX/XXXX they called again and I told them to stop calling. I then received a text message with a link for my documents. The documents state a debt to HSBCXX/XX/XXXX Bank which is a credit card I believe I had 10-15 years ago. 
These are extremely old debts, I do not owe the debt due to my states statue of limitations to collect, and I would like the harassment to stop.
Product: Debt collection

I negotiated a Deed in Lieu of Foreclosure with XXXX on XXXX for my property with XXXX XXXX XXXX handling the Deed in Lieu of Foreclosure ( DIL ) paperwork and completing the agreement as the law firm representing the mortgage company. Several months ago, a company called Seterus Inc. started sending me overdue mortgage collections notices for the property I had discharged in the DIL proceedings 4 years earlier. They also knocked my credit rating down over XXXX points by incorrectly reporting that I was over 180 days delinquent in paying my mortgage. They requested paperwork on the DIL agreement which has been sent 3 times now and they still continue to harass me by sending several collections requests per week via mail and continue to call me regarding this mortgage that we discharged in a DIL agreement over 4 years ago.
Product: Debt collection

Supposedly a parking ticket is in collection with Transworld Systems, according to a recent credit report. This dates back to 2014. I have never been contacted, verbally or in writing, by Transworld Systems and only discovered his erroneous debt through a credit report. I have repeatedly called Transworld at numerous different numbers, can not reach a human being and have never received a return phone call. It is impossible to pay this bill as I can not talk to anyone what will tell me how, as I have never received a written communication on his debt or how to pay it, and as these factors make it impossible to pay. An endless maze
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX, 2020 I attempted to unfreeze my credit report with Experian as I am initiating refinancing of my primary residence. I started online as I had previously set up log-in credentials and received a 10-digit PIN. I entered my information and answered several questions to verify my identity. I selected the option to unfreeze my account, entered dates for the temporary unfreeze. Upon pressing enter, I recieved a message that read : We were unable to honor your request to temporarily remove your security freeze based on the information you entered. 
Sending us your information To temporarily remove your security freeze, please mail us this letter ( or the information in it ), along with one copy of a government issued identification card, such as a drivers license, state ID card, etc., one copy of a utility bill, bank or insurance statement, etc., and a copy of your Social Security card or another document that displays your Social Security number. Make sure  that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. We will validate your information and remove your security freeze for the timeframe you request. 

I then called Experian and after going through their prompts to establish my identify and verify my identity, I selected the option to unfreeze my account and received the same message as above via automated voice. I attempted to reach an operator and was disconnected. I called back in an attempt to reach a human and there is NO OPTION TO REACH A HUMAN. 

Later that evening, I was sent an email to finish setting up my account. I went through the steps, was able to view my credit report while being constantly bombarded by options to purchase other services but at no point could I unfreeze my credit. 

I need my credit unlocked today to proceed with my mortgage refinancing. I can not wait weeks to get this request processed by mail. I think it is unrcontionable that a company can hold this much power and the consumer has absolutely no recourse -- - all in the name of consumer protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I have made multiple attempts to rectify this situation on my credit with Transunion via mail and online. To date, I have not received the update that I desired. 

I have sent the dispute attached below to Transunion once again this month via priority mail. I ask that Transunion is told to abide to my request.
Product: Checking or savings account

On XX/XX/XXXX chase bank froze my accounts at the request of XXXX. I contacted the courts where the filing was made and there was no order given to hold or seize funds. The court date to resolve this matter isn't until XX/XX/XXXX. I had no notification that this would happen before my day in court. Any help or clarification should be very helpful. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX 

Subject : Formal Dispute of Inaccurate Information Under 15 U.S.C. 1681s-2 ( b ) Civil Liability for Negligent Non-Compliance Dear Credit Bureau Representative , I am writing to formally dispute inaccurate and misleading information that appears on my credit report. This information is in violation of the Fair Credit Reporting Act ( FCRA ) and has resulted in an unjust negative impact on my creditworthiness. 

The disputed account is as follows : Creditor/Furnisher Name : XXXX Account number : last 4 digit : XXXX Date of Reported Inaccuracy : XX/XX/XXXX Disputed Information : Account closed Legal Basis for Dispute : Pursuant to 15 U.S.C. 1681s-2 ( b ), data furnishers are required to conduct a reasonable investigation upon receiving notice of a dispute. Under 15 U.S.C. 1681o, civil liability is imposed for negligent non-compliance with the Fair Credit Reporting Act ( FCRA ). The inaccurate information on my report has not been verified according to the standards required by law. As a result, I demand the immediate correction or deletion of this erroneous data.
Product: Checking or savings account

On XX/XX/XXXXI responded to a Birthday XXXX XXXX page on XXXX for a friend. I submitted {$25.00} to XXXX XXXX XXXX. When the transmission was complete, I was charged {$250.00}. I immediately contacted XXXX XXXX XXXX via XXXX in XXXX, NC. They informed me that they could not do anything until the funds posted. After a week, they called me back and stated that do to them being a non-profit I would have to go back to XXXX. I contacted XXXX through their on-line help center and got this and that. I was asking for my return of {$220.00} to no avail. I made a dispute with my bank J.P. Chase last weekof which they denied advising that the transaction was correct. My question is this was an incorrect donation and I want a refund of the erroneous amount.All 3 parties XXXX, XXXX XXXX XXXX and Chase Bank are not being responsible or accountable. I have since found out that there are other complaints on XXXX about donations. Your assistance is deeply appreciated.
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 & confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX U S Department of Education XX/XX/XXXXXXXX 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 a account without my written instructions.15 U.S.C 1681 C. ( a ) ( 5 ) section states : No consumer agency may make an consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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 accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX, XX/XX/2019 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.
Product: Credit card or prepaid card

Sent card not wanted and did not activate called the card customer service demanded to remove the bill for it, now I'm following up with identity theft to complete close and resolve this error.Thank you XXXX {$190.00}