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

TRUIST IS HOLDING GAP PRODUCT MONEY XXXX! Dealer sent {$880.00} ( their check number XXXX ) to Truist Bank on XX/XX/2022. As of XX/XX/2022 customer has NOT received their refund due in same amount. After sitting on hold for 94 minutes, Truist is " unaware '' of any refund due. Well, YOU OWE ME the GAP REFUND - PLUS INTEREST for holding it ILLEGALLY - this vehicle, PER YOUR DOCUMENTS was paid in full XX/XX/2022 - that was nearly 60 days ago. And while you are at it, since you have to cut me a check anyways - PAY THE FEES YOU OWE from my last complaint that you replied to the CFPB saying since account was closed you could not refund me. Well. I think you can refund AN ERROR - and NOW PAY A PUNISHMENT for HOLDING MY MONEY XXXX. You are pure evil and you are CROOKS - WHY did the government ever let XXXX conspiring banks Sun ( don't ) Trust and XXXX ( lie ) ist merge? PATHETHIC.
Product: Vehicle loan or lease

Someone used my identity to get a Chase Auto Loan under my name. I lost my wallet in XXXX of XXXX and now that ive checked my credit i see the Chase Auto Loan on my credit in XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

I was notified thru Credit Karma of a numerous amount of inquiries on my credit report upon checking my credit I realized that I did not make these inquiries as I already have accounts with with XXXX XXXXXXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

For the past 4 months Equifax has locked my credit score and report and refuses to unlock it even though I have sent multiple copies of paystubs, passport picture, social security pictures, and other identifying information. They refuse to unlock my account. They have told me to mail the items in and I have on XX/XX/year>, XX/XX/year>, and XX/XX/year>. I sent in my passport picture, my social security card and my bank statement with my address on it. The first time they said they needed more documents so I added my pay stubs with my address. I sent that letter certified and they sent it back. I have sent the same thing back again, this time not certified, and when I call they said they haven't received it. It seems like they are making it up and when I talk to the customer service people, they are so horrible it had brought me to tears. They are dismissive, they are rude, and they keep telling me my documents aren't enough but when I ask how to fix it they don't tell me how. They seem like they are on a power trip or just incompetent. I'm at my wits end and this is making my life very difficult. I can't move into a new apartment because of this issue, I can't lease a car, I can't apply for loans for grad school, I can't even open a savings account because it looks like there is a block in my credit. I'm at a loss of what to do, they are holding my life hostage and I just want to be able to use my credit. They are not investigating anything they are just holding me hostage. I have been suffering with homelessness and my credit being fixed would be a big part in me getting my life back on track. The address I use is a mailing address because I don't not have a home. Now with this, I can't even apply to apartments because it looks I have something wrong and they deny me. I have a job and a car and I either stay with friends or sleep in my car, This issue is costing me financially and mentally.
Product: Prepaid card

I had an unauthorized charge on my child support card from XXXX back in XXXX of XXXX. I contacted XXXX and they said they couldn't help me because I didn't have the last XXXX of the card number that was used for the transaction so I filed a fraud claim with my bank. 

XX/XX/XXXX my bank reversed my claim with XXXX and took the {$190.00} back from me. I contacted XXXX again and this time had the card number. A representative was able to pull up the charge and verify it was not mine and was not even made through my XXXX account. I advised the rep that I did not authorize the payment and my credit card number was stolen. The rep created a " work '' order and gave me the following reference number XXXX saying I'd receive a refund within a week. I have not heard anything back from XXXX and I still haven't received my refund. 

I contacted XXXX again today and they're giving me the runaround acting like they don't know what this work order number the last rep gave me and nobody will tell me where my refund is. The bank will not give me my money back either. 

I did NOT authorize anyone to use my credit card and I did not authorize this XXXX purchase which they're holding me liable for. I did not receive any products from XXXX and I am not responsible for someone using my credit card without my permission. This is a fraudulent and unauthorized charge and XXXX is refusing to refund my money even though they verified I did not make or receive this purchase.
Product: Credit card or prepaid card

On XX/XX/XXXX me and other 500 clients were scammed by The XXXX XXXX/XXXX  XXXX XXXX. They promised to render services as of the date the purchase and contract was made, they never did. The services were for them to open up my XXXX business, administer my business, and file any other paperwork on my behalf and they would also get paid 30 % from my earnings. My XXXX business was opened until XX/XX/XXXX and I did all the filing they never helped me with none of that. They only provided brief information on what I had to do to open my LLC. Their service fee was XXXX plus XXXX to a " lender '' who told me I he would help me get approved by credit card companies. This lender by the name of XXXX XXXX and XXXX from XXXX worked with the XXXX to get people approved within 30 to 45 min. Later on I found out they were also charging these fees to get extra money from customers. I got approved for XXXX {$11000.00}, Discover {$10000.00}, XXXX XXXX XXXX {$5000.00}, and XXXX {$4000.00}. My XXXX business was only up from XX/XX/XXXX till XX/XX/XXXX I notified my cards after I saw that my business was put on vacation mode for far too long with no explanation. I later found out by another client that the 4 owner/managers of the XXXX were suing each other. XXXX who was in charge of managing all orders for each store had stolen our personal information as well as card information. Later on XXXX, one of the owners posted on a XXXX  group what was going on between them. He only put out that all stores would be put on hold. Most of the clients and myself did the buy back provision before the deadline and never received our money back. I only got the response from XXXX saying he could not sign the document to give back my money because he didn't have anything, to speak to his lawyer. He later on explained that they were suing XXXX to get all customers paid for since he had been stealing all the funds. I provided all information that the credit cards needed from me and made a dispute and they told me they could not help me since it had been more than the 60 days. I understand its more than the 60 days but these people promised me and signed contract which they fail to fulfill. As to what I understand these four credit card companies were contacted by them so I could get approved. I do not have the funds to keep paying for a debt that I got scammed and never had full service rendered to me.
Product: Credit reporting or other personal consumer reports

There are a few items on my report that I do not know of. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and just got home there I see a XXXX  XXXX account I don't have and a support enforcement which I don't have. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Reporting company improperly used my info resulting in improper use of credit report
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. 
XXXX opting out of : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : Late Payments XX/XX/XXXX, XX/XX/XXXX Consumer Adjustment Company : Collection account. 
Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a.

Per the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX, XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, experian, and XXXX, are penalizing me via continued poor credit report based on fraudulent charges on a XXXX XXXX XXXX. My disputes with the credit bureaus were closed prematurely due to the fact that the investigation within XXXX bank are ongoing. I should not be penalized until charges can be authenticated. XXXX bank is still in the process of attempting to do that. My complaint is that the credit bureaus ( XXXX, Experian, XXXX ) are wrongly and knowingly reporting unsubstantiated claims by XXXX Bank. Account XXXX. {$1800.00}
Product: Credit reporting or other personal consumer reports

I have never applied nor perform services or business with XXXX XXXX yet there are multiple inquiries all three credit reports .I am asking for a signed copy of the application along with a copy of my drivers license and immediate removal of these inquires dated XXXX, XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

After ordering a credit report from XXXX. I observed these UNVERIFIABLE items on my personal profile after receiving a copy of my report. I saw many items that are deceptive to me about my credit report. XX/XX/XXXX XXXX XXXX is the name of the letter I wrote to the three credit bureaus. I believe they violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to validate these items. I mentioned this in my most recent request and I'm hopeful that it would help get rid/ correct of the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX, XXXX XXXX XXXX XXXX XXXX  MD XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, US DEPT ED XXXX Balance : {$17000.00}, US DEPT ED XXXX Balance : {$9100.00}
Product: Credit card or prepaid card

disputed a transaction with capital one regarding a transaction with XXXX XXXX to which they double charged me for a transaction for services that were not rendered, i paid for a booking through a 3rd party for a flight via XXXX on XX/XX/2021, ITNIERY and confirmation XXXX FOR {$90.00} WHICH IS THE ACCURATE CHARGE XXXX CHARGED ME ADDITIONAL XXXX WITH A CONFIRMATION " XXXX '' the same day XX/XX/2021 when i called XXXX they acknowledged the error, but stated they can not process a refund, they can issue me a credit voucher for future travel to which i refused, I DO NOT WANT A VOUCHER, I DO NOT WANT TO USE THEIR HORRIBLE SERVICE, THERE WAS NO SERVICES RENDERED TO JUSTIFY THE TRANSACTION, SO IM NOT OBLIGATED TO GIVE XXXX ANY MONEY! AND CAPITAL ONE, IS UPHOLDING THE TRANSACTION!! I PROVIDED PROOF ND NOW THEY ADDED THE BALANCE TO MY ACCOUNT, TO REPORT TO THE CREDIT BUREAUS WHICH IS UNACCEPTABLE, WHERE IS THE PROOF THAT SERVICES WERE RENDERED FOR XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The Equifax and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX 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: Debt collection

6-7 phobe calls a day every single day. Some voicemails misrepresenting themselves as lawyers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed account that was charged off over XXXX XXXX XXXX through XXXX but is still being reported on my credit report. I have filed several times to have it removed. XXXX did but Equifax and XXXX have refused to remove it. Please help.
Product: Money transfer, virtual currency, or money service

The company XXXX I have an account set up with. I had lost my debit card on XX/XX/XXXX  the same day I was paid I sent {$1000.00} to my wife they said that the money was sent but I live with my wife and that money was never received I just need to know where the money went because it ruined my kids XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in fraudulent inquiries being made on my credit report. As provided under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following inquiries be blocked and deleted from my credit file immediately. 
Fraudulent Inquiries : 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

My car was repossessed byExeter Financing Company and for weeks I called in about my car and how I could set up a resolution or payment. I was told no I would have to pay it all in full. So I called in another time XX/XX/XXXX I called them after XXXX and I was talking to a member like I usually do and she was looking in to my account and thats when she told me that I could setup payment ( my first time hearing this from any of their members or reps so I was shocked ) so me being skeptical cause it was my first time hearing this I asked her if I pay today is there a possibility that my car would be sold in Aution. She said no, I repeated the question she confirmed no, I asked a third time she then said I assure you if you pay today your car will not be sold and you will get your car back I promise ( these are her words ) so she then begin to ask me how much can I pay towards the payment today. I have her the amount and before I gave her my card I asked her again about it being sold she yet again told me no. So I submitted the payment feeling confident and. Finally seeing some progress to this situation. Two weeks later on the XXXX of XXXX year XXXX I get a call after XXXX I could answer so I called back that morning and was told that the car in Question XXXX XXXX XXXX was sold and the balance was not charged off. Im so confused as to why they would do this after telling me that I would be able to get it back which I never received any documents of them telling me that they would sell the car. Ive never signed any documents with company or anything no correspondence through the variation of my account or loan with them
Product: Debt collection

On XX/XX/XXXX they were sent a letter by certified mail asking for 2nd request of varication of debt to which they have not responded to as of yet. On XX/XX/XXXX they were sent a certified letter stating how to contact me and have ignored to date of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was contacted by me in XXXX to be removed as a authorized users. I never used this card and never received a bill, statement in my name. I sent a letter in XXXX to XXXX to opt out of reporting and to ask them to remove this account from my report because it is not my responsibility but was hurting my credit profile. That request has gone ignored and I disputed this with all credit reporting agencies who have recently lied and fabricated my report by stating that this account is my account and it has been verified. XXXX has never provided me with such documentation to confirm or validate that I am the responsible party for this debt. XXXX, Experian, XXXX and XXXX have all committed fraud and have knowingly been reporting inaccurate information on my credit profile per 15USC1681. You will see in the letters below that the mail from XXXX is not for me I am not the holder or any longer a Authorized users on this account. Invoices for Remedy due to damages I have faced from their illegal negligence will be mailed out the week of XX/XX/XXXX to all parties involved in this fraud against me. 

XXXX, XXXX Experian and XXXX are already in violation of the below code : The privacy act of 1974 15 USC 6802 20 USC 1232G 5 USC 522A 15 USC 1681 Violation of 15 USC 1681a ( 2 ) ( a ) ( 1 ) Violation of 15 USC 1681 ( a ) ( 2 ) Violation of 15 USC 1681 ( a ) ( 4 ) Violation of 15 USC 1681 ( b ) ( c ) Violation of 15 USC 1681 ( b ) Violation of 15 USC 1692 ( f ) Violation of 15 USC 1681n Violation of 15 USC 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A Defamation of character
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX has violated this law because this late payment is reporting on XXXX, XXXX and TransUnion. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so Capital One has violated this law because this late payment reporting on XXXX, XXXX and TransUnion is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX has violated this law because they furnished this EXPERIENCE to XXXX, XXXX and TransUnion and I didnt give them permission to do so.
Product: Credit reporting or other personal consumer reports

someone opened up a line of credit and a checking account at XXXX XXXX in my name. It also showed up on my credit report. I called XXXX XXXX  and they were able to I called Experian to have the fraud alert put on account and to have the inquiry removed.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

Hello I am reaching out to you because I have a complaint regarding coinlist. 

The issue is that I transferred XXXX from my XXXX XXXX XXXX to my CoinList wallet by a mistake. What I had to do was to transfer it to my XXXX XXXX instead. 

Then I contacted Coinlist to get some help to transfer my XXXX back. They answered back that they would look into and afsked for my wallet adress so they could send my XXXX. But from there on I did not hear from them again. This is 6 months ago I have tried reach to them a couple of times but they dont reply anymore. So now i am in a position where have XXXX on my coinlist wallet that should not be there. 

Is there any way that you could help with getting my crypto back to my first crypto account. 

Below you Will find my transaction information regarding this issue and also attached is my identification information. 

TxID : XXXX From : XXXX XXXX : XXXX Best rega