23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

i have a loan with Harley financial davidson. 
i fell past due on loan due to loosing my income momentarily which caused me to fall back on my loan as well as all my utilities and mortgage. i have advised this to them several times. i continue to make payments and trying to get my account current. 
every time they call which is multiple times a day non stop, i call back and try to speak with a rep they always use threats to try to get me to pay. i advise them when i can make an arrangement and they always advise me they cant accept any arrangement. they make threats and tell me if there is a repossession agent out side of my house and or to surrender my collateral. they tell me i have repo fee 's of over XXXX, which is not true i have worked in collections for over XXXXyears and have never resulted to using threats to get a customer to make a payment. repo fee 's average from XXXX {$1000.00} plus whatever the account is past due /and storage fee 's at time of reinstatement. 
they never offer options and or a payment plan to assist in getting current, off the bat when you speak with them its a threat ( we have repo agent on the way to the house or is there a repo agent present ). a company this size should do better in speaking with the customer 's and find out what the reason for delinquency is and offer options to assist a customer get back on track and get the loan performing once again. 
threatning a customer does not make them pay. its coming to an agreement. 
these types of threatning collections need to stop immediatley. this is no way to collect a debt from a consumer. its about rectifying the problem and offering assistance. 
i had a previous loan with them and paid on time with no issues. but me loosing my income momentarily really caused me to fall behind on all my bills. i am well aware of my past due and i will do my best to get caught up so i dont have to deal with reps that use threats to collect a debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act convergent. 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 have 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 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 adverse item of information, other then records of convictions of crimes which antedates the report by 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: Credit reporting, credit repair services, or other personal consumer reports

I made a purchase against my will off a cruise ship in XXXX at a store, XXXX XXXX, when the sales person coerced me, promising me gifts to complete the purchase. When I got home and realized that he lied to me, I called to return the merchandise. I had already given away what I thought were gifts, therefore, I paid for those and returned the balance. 
I was told that I can only be given store credit and that I will have to contact the XXXX Department, XXXX XXXX Bank, regarding my account, which I did. To date, the matter has not been resolved. After a year going back and forth between store and bank, they finally told me that there is no records indicating that the merchandise was returned. 

I will attach a copy of the letter acknowledging receipt of the merchandise, and copy of store credit as well as the last letter I sent to the bank.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX  % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100  % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX  % accurate.
Product: Credit reporting

On XXXX/XXXX/2015 I sent a dispute to Transunion disputing an inaccurate account balance, results came back that they verified the account, I then sent a method of verification letter to them on XXXX/XXXX/2015, they sent sent back a frm letter stating what the process is, I was not given the data furnishers name or contact information. I have the original documents and certified mail receipts sent to transunion that can be faxed in for proof. My next step is filling a lawsuit. The only acceptable outcome now is for the lien t be deleted
Product: Money transfer, virtual currency, or money service

my name is XXXX XXXX and my venmo account has been suspended for absolutely no reason at all. I had My school check deposited into the account and then tried transferring it to my linked bank account and immediately after they suspended my account. I read the user agreement and the Amount I transferred didn't exceed the limit so there are no grounds for them to stand on. I've contacted every customer Support platform they offer, multiple times a day. They tell me That I need to respond to the email I got at the time my account was suspended but I did not get an email saying anything about my account being suspended for me to even respond to and nobody will transfer me to the so called account XXXX that is the only person who can give me the answers I need and want. They tell me I have to wait on an account XXXX to do it but then tells me that department doesn't have a phone. I have {$2100.00} locked in my account and that's all the money I have. Please help me address this situation, thank you! 

The phone number linked to my account is XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate entry on my credit report, which I pulled on XX/XX/year>. Specifically, XXXX XXXX XXXX XXXX account is incorrectly reported as closed, with inaccurate multiple payment history dates. Despite this, you have continued to verify and report the information as accurate, without providing any supporting documentation to substantiate its accuracy. 
This failure to correct the error is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681i, which requires credit bureaus to investigate and verify disputed information within 30 days. As such, I request that you promptly
investigate this matter and remove or correct the inaccurate information from my credit report.

If the inaccurate information is not corrected within the required 30-day timeframe, I will be forced to pursue legal action under 15 USC 1692g .
Product: Debt collection

i paid my debt to XXXX XXXX XXXX, XXXX and i got a recipt for it i made a dispute to experian but it remain i dont know why y sent the recip of my payment to them
Product: Credit reporting or other personal consumer reports

Experian continues to report incorrect account information. 

Date of birth is missing only reflect birth year which is a major security issue. 

Incorrect account reporting. Missing XXXX credit card. Removed due to oversight and negligence by the reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion will not allow me to submit another dispute, and at the time of their response they advised me they were researching this issue further. During this time, the accounts that were reporting invalid. XXXX XXXX XXXX XXXX, Two Cards one that shows own {$15000.00} that was opened unauthorized not in my name.  Another is for {$10000.00}. These are not my account 's i have submitted identity theft to the company and i want these cards blocked from my credit file. Also i see that XXXX XXXX is showing an account for an authorized user that is owing {$6000.00} This is not my account. I did not get added to this account by anyone i know. The account was opened fraudulently. XXXX XXXX did admit to this, i asked to be removed as per their rules and card agreement you can be removed at any time if unauthorized. Yet they still don't remove me and i don't want this showing on my credit file as i did not authorize this account. 

Secondly i have seen two collection accounts re appear on my credit once again, XXXX XXXX XXXX for {$200.00} which is not my account and shouldn't be on my credit file as i have no knowledge of this account. And XXXX XXXX for {$120.00} Which appears to be for a XXXX account that i do not have and have already previously reported identity theft with XXXX, and also XXXX XXXX, and the FTC. I am going to attach a identity theft report. I want all of these accounts removed and blocked from my credit file immediately. Another Account is XXXX XXXX XXXX. I paid this account off over 6 months ago. They finally removed it three months ago after filing constant complaints against their practices since they agreed to remove the late charges and never did, and also agreed to Match the payments which they never did. They finally showed it paid off. Then 3 months later the account reappears, and all the sudden says opened again for the same amount owed then 3 more late payments are added. THIS ACCOUNT WAS PAID OFF MONTHS AGO, I have Receipts for these. I will attach it. 

Lastly there are several inquiries that were not from me these are fraudulent inquiries and i will list them below please investigate this. 
XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, 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

XXXX and Trans Union are not responding to my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Someone got hold of my information and took out loans in my name, I have no idea about this loans came about, its unfair to w
Product: Credit reporting or other personal consumer reports

i have an account on my credit report that is not mine
Product: Checking or savings account

USAA has treated me like channel since day one if I caught an overcharge meant they will keep me on the phone for 45 minutes not 21 thing on XX/XX/XXXX we were pushed out of our home illegally XXXX XXXX   that night or child right for my arms while me and my husband have been XXXX  there has been fraud all over our accounts I would Peg the transactions and USAA would to release them. I have renters insurance claim for XX/XX/XXXX they just keep it there like its funny today I caught a wire transfer of all my husband Social Security into another account
Product: Debt collection

I was contacted several times by XXXX XXXX XXXX about a credit card debt. They repeatedly called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I did not provide them with my current telephone number and do n't know how they retrieved it. They are harassing me to take me to court or other legal action if I do not pay them. The balance they are claiming I owe is {$930.00} for a Amazon credit card. The initial credit amount was {$600.00} and they are charging me extra. I called and spoke with someone on Monday XX/XX/XXXX. I tried to setup a payment arrangement for the {$600.00} but they would not remove the extra charges. I was only given an option to pay the balance in 2 payments and nothing else or I would be sued. They also sent a letter to an address I did n't provide them with. It is not even someone I 'm related to where they sent the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my job couldn't keep with the payment and did have an address to communicate
Product: Credit reporting or other personal consumer reports

Synchrony Bank care credit .Show a balance of {$5900.00}. I do not have an account open with the bank. I was approved via XXXX XXXX but never received any documentation nor terms and nothing in writing. XXXX dental was not transparent in the fraud they attempted on me. I have no plans to use their clinic for dental work. I had an x ray that was it. XXXX visit for an x ray and no follow up by my choice to seek a local oral surgeon. I closed the care credit account and notified the three Credit Agencies of being a victim of deceitful practice by XXXX XXXX. They received funds from Synchrony Bank of {$5900.00}. I received nothing. They have a high pressure sales tactic to fool possible clients in to using care credit to finance their health care It is well documented by the judgement against them in 2013 where care credit was fined by the court XXXX XXXX for deceptive tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion and informed them that they were improperly reporting student loans that do not belong to me from XXXX/XXXX on my credit report on XX/XX/XXXX, via U.S. Certified mail. I was notified from the U.S. postal service that Transunion received my letter requesting to remove the incorrect accounts from XXXX/XXXX on XX/XX/XXXX. I requested to have these accounts deleted from my credit history as well as having Transunion send me an updated version of my credit report reflecting correct deletion of any accounts associated with XXXX. Transunion never responded to my request to have the accounts removed from my credit report. 
I contacted Transunion via telephone on XX/XX/XXXX, and attained a recorded phone conversation with a representative of Transunion, XXXX XXXX, who confirmed that Transunion does not have documentation from XXXX/USDEPTED with my signature for any student loans and that Transunion is still refusing to comply with F.C.R.A. regulations by reporting false information on my credit report and refusing to remove it from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Covid in 2020 I lost my job and I called to arrange payments with YAMAHA MOTOR FINANCE COR and I was told that those months that I couldn't pay will be moved and added to the end of the loan. and not late payment will be reported due to the Pandemic situation. that was XXXX, XXXX and XX/XX/ 2020 account number XXXX
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIME OF THE IDENITY THEFT. I FOUND NUMEROUS FRAUDULENT OPENED ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT OPEN BY ME. THIS BEEN HURTING ME SINCE I AM IN THE PROCCESS BUYING A HOUSE FOR MY FAMILY. PLEASE REMOVE ALL FRAUDULENT OPENED ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSIBLE. HERE ARE THE FRAUDULENT OPEN ACCOUNTS XXXX XXXX IS XXXX XXXX  OPEN DATE XX/XX/year>, ACCOUNT NUMBER IS XXXX, BALANCE {$XXXX}. XXXX ONE IS OPEN DATE XXXX XXXX  XX/XX/year>, ACCOUNT NUMBER IS XXXX, BALANCE {$XXXX}. ALSO I AM ATTACHING MY ID, SOCIAL SECURITY, UTILITY BILL AND IDENITY THEFT REPORT. THANK YOU IN ADVANCE.
Product: Credit reporting or other personal consumer reports

Formal Dispute of XXXX XXXX on Credit Report. XXXX account XXXX This inaccuracy across XXXX, Experian and XXXX falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. They have failed to investigate this account properly after I repeatedly asked to have the account re-investigated, your neglect has once again violated my consumer rights. Accordingly to this law they are suppose to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure. Attached is proof of Inaccuracies. All the bureaus get information from same Data Furnisher, yet Experian and XXXX show as charged off, XXXX has 60 days late.Date last active has XXXX XX/XX/year>, Experian XX/XX/year> and XXXX XX/XX/year>. Attached is proof of all inaccurate information of this account
Product: Mortgage

Again Since XX/XX/XXXX of XXXX my son and I have been trying to take over the loan as we can by Federal Law. XXXX has a copy of the loan and joint tenancy and still wants to play games. They have also violated the XXXX law a copy is attached of what this organization put into law. All they say is probate and according to state Colorado law the way the property is titled they are XXXX  that do not have a clue. They refuse to work with us the law that this agency put into place and they have no understanding about the basic concept of law except how to break it,
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Debt collection

XXXX XXXX  says I owe them money and I do not. They promise XXXX dollars if you sign up for the checking account and they never gave me this money. I have not received any written correspondence for this but text messages every day. The company is SIMM ASSOC DEBIT Collector. But this debit is supposably also at XXXX XXXX. I have canceled this bank account since.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts that on my credit report are a violation of my rights : XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to transunion ) XXXX XXXX XXXX Acct # XXXX ( reporting to XXXX ) XXXX, Acct # XXXX ( reporting to XXXX ) XXXX, Acct # XXXX  ( reporting to transunion ) XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to transunion ) XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to transunion ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX  ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX  ( reporting to transunion ) XXXX XXXX XXXX, Acct # XXXX  ( reporting to XXXX ) 15 U.S.C 1681 section 602 A. States I have the right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish a account without my written instructions. I am requesting that these accounts be removed from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint on some unauthorized credit inquiries that I discovered on my credit report, none of the inquiries that I saw was not approved nor authorized by me and it violate my consumer right, In Accordance with the FCRA section 611 this companies violated my consumer right. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

This complaint has to do with Hyundai Moor Finance I was sure to obtain correct lease buy-out quote, mailing address and properly filled out odometer statement. It was sent via certified mail on XX/XX/XXXX. 

Money was then withdrawn from my account on XX/XX/XXXX and odometer statement appeared to be in the completed stage under my account. 

When I reached out to customer service numerous times, I was always told that odometer statement was not attached to my account and theres a need to send another one. Which I did via direct email, secure email and fax on multiple occasions just to be told, another copy is needed and this is causing a delay. Its very frustrating dealing with customer service who are clearly not tracking previous customer communication and provide different reasons each time I call. It also doesnt help that each time we speak a period of 5-10 days is needed for my records to be updated. 

I was finally reassured that odometer statement is on file and no further documentation is required a full month later. However, when I reach out to see if title is in the mail I am being told that no progress has been made as its in the hands of titles department. I understand normal processing time is allowed but I should at least have an idea of when I can expect it. Customer service has no information to help and was told theres nothing they can do. 

This is beyond unreasonable. I paid for the car. There was no issue taking money from my bank account. This title belongs to me and you have no legal right to hold it XXXX or provide basic customer service to a client. 

for reference HMF account # XXXX