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

Current creditor, First Bank of Puerto Rico, referred the auto loan account to XXXX XXXX XXXX without sending a self-help letter. I received a call this week and I explained this was the first communication directly from the bank since the previous call I received from XXXX a few days ago in which I was harassed. The payoff balance was {$2300.00} approximately due to late fees and interest charges ; all car loan installments were paid. I offered the bank the amount of {$1000.00} during the call and requested a few days to gather the rest of the money but they refused and insisted that I had to pay off at that moment or release the car voluntarily to the bank. On XX/XX/2020, the bank sent a self-hep letter and was received at my address on XX/XX/2020. After receiving that letter, I called the bank and explained again the reason for the outstanding balance and late payments, the bank 's employee stated at that time that she was unable to assist me, that it was correct that the account was assigned to XXXX XXXX XXXX and that if I did not have the money to payoff I had to release the car to the bank. My response was that I was not going to release to the bank a car that has been already paid off and that the remaining balance corresponds to late charges and interests. I advised them that I would not authorize the external adjuster to enter my residence premises. The employee stated that in that case the external adjuster would visit my house and if unable to repossess the auto, would go to the nearest police station and ask for assistance so they could force me to release the car. I responded that is illegal under Puerto Rico 's laws and this was not a criminal case. I explained to her that for the Police to enter my property, they need an order from the court ( also it may include a lien or an attachment ). She replied that was not correct and that she was informing me of the correct procedure and the process performed by the bank in such cases. The methods used by the bank to collect the money owed are unfair especially when I paid {$1000.00} this month and offered to pay the rest of the balance in {$400.00} installments and they refused. This is not the first time this bank handles an auto loan like this, it has happened with other auto loans I had with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Im trying to dispute this beacuse I already contacted the collection agency and the credit bureau -Experian previously on couple occasions with this letter : XX/XX/2023 To : Experian, XXXX XXXX XXXX, XXXX XXXX TX XXXX Dear Experian, I requested a debt validation for account number XXXX, XXXX XXXX XXXX  for amount of {$570.00} This is what I received from debt collector. ( Please see included paperwork ). List of diagnosis codes for medical procedures but NO HIPPA RELASE FORM. Without a copy of signed HIPPA release form how did they have access to my medical records. Clearly with this my HIPPA rights were violated by this collector because of information they sent to me, and this collection needs to be removed. I never signed contract with this debt collector. 
I also called them over the phone and they initiated re investigations on dates : XX/XX/ However their reply was always : Verified!
Product: Credit card or prepaid card

I received a visa debit card from cash app that I never applied for. They would not let me talk to a supervisor nor disregard the card. They gave me the email of who applied for it but it does not exist. It was XXXX. I took screenshots of the chat conversation because they would not let me talk to a supervisor, so I went to their site and have not got a response. She would not allow me to talk to a supervisor.
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 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 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 informationisinaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, my credit report showed I had a late payment for my XXXX XXXX account, which hurt my credit. I called customer support to dispute this error on my credit report. Customer support mentioned they would correct the reporting due to the COVID 19 pandemic. They would waive the late payment. On XX/XX/2020, the late payment remark was removed from my report and corrected, showing 100 percent on-time payments. On XX/XX/2020, my credit report showed a late payment remark on my account for XXXX. My credit report dropped 38 points, displaying I delivered 82 percent payments on time. I called customer service to dispute the error. Customer support mentioned they would correct this error and add notes to my account to have it reversed for the second time on my credit report. On XX/XX/2020, my credit report showed the correction to my XXXX XXXX account, delivering 100 percent payments on-time and a balance decrease. My credit score increased by 40 percent on XX/XX/2020. On XX/XX/2020, my credit report for the third time displayed a late payment on my XXXX XXXX account and an increase in balance by {$1900.00}. My credit score dropped 84 points because of this error in reporting on XX/XX/2020. I have not purchased anything from XXXX using my credit card during XXXX, XXXX, XXXX, or XXXX of 2020. I made a {$2000.00} payment on XX/XX/2020, which should have balanced at {$38.00}. I called customer support about this issue, but I am tired of hearing the same thing and dealing with this nonsense.
Product: Credit reporting or other personal consumer reports

I just got my credit report and noticed some hard inquiries don't have permissible purpose according to 15 USC 1681b. I also attached a copy of my credit report. Can you please investigate these hard inquiries XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

Wells Fargo bank is withholding emergency financial expenses due to the the bank monthly fees charge the check account The account isnt eligible for overdraft protection The reason the hold is on the account is because of the overdraft being caused by the monthly fees for the account I have evidence to support the fact I am not able to overdraft due to Account agreement disclosure I also been discriminated against by the banks customer service bankers negligence and placement of the delay causing server complications I been receiving different advertisement and information regarding resolution of this issue
Product: Vehicle loan or lease

On XX/XX/2019 a payment was made from XXXX XXXX XXXX XXXX, for the amount of {$590.00} sent to Western Union ( XXXX XXXX   uses Western Union as a third party for online payments ). The amount was never applied to my XXXX XXXX Account # XXXX. I called Western Union and explained that on my phone I could not get a snap shot to get the confirmation number they explained to me that we cant continue without it. I had to make a double payment on XX/XX/2019 from my bank XXXX XXXX ( bill pay ), that payment was applied to my XXXX XXXX account. Made contact with XXXX and including the attorney company that sent them a letter, to no avail the responsible party is Western Union.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the EQUIFAX Credit Bureau AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove UNAUTHORIZED INQUIRY from my credit file resulting in alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) EQUIFAX CREDIT BUREAUS is required to REMOVE any INQUIRY listed in Identity Theft. Once again HERE IS THE LIST OF INQUIRY THAT I WANTED TO REMOVE! 
XXXX XX/XX/2022 ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Been trying to get XXXX negative child support cases from reflecting from my credit report for years according to the new credit law establishedXX/XX/XXXX beginning XX/XX/XXXX child support is not a contractual debt, there were no good/services rendered ; also refer to Public Law 805-C3 of the Fair Debt Collection Practices Act ( FDCPA ) I hereby demand that you remove the reporting of child support form my credit report. Child Support as you know arose out of an administrative support order and is NOT a debt within the scope of FDCPA ( 15 USC 1692 et sep. ). Child support payments, which obligation arose out of administrative support order issues by state department of social services, are not debts encompassed within the scope of Fair Debt Collection Practices Act ( 15 USCS 1692 et seq. ). more supporting laws regarding child support being reported to credit bureau agencies.Child support obligor failed to state claim against defendants, custodial parent and state agencies and employees, under Fair Debt Collection Practices Act because no defendant was : debt Collector with meaning of 15 USCS 1692a ( 6 ) with regard to child support payments, state employees were excluded from definition of debt collector under 1692a ( 6 ) ( C ) ; further, child support obligations were not debt under 1692a ( 5 )
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 the XXXX XXXX XXXX reported me to the credit bureaus as 30 days past due. This problem was happened due to I din ' t receive my bank statement from XXXX. I went to talk with the manager on XX/XX/2019 at the XXXX XXXX branch office, XXXX, WA. Her name is XXXX, and I paid the bill. However, I explained the reason that I never receive my bank statement which causes me didn't know my checking account did not have enough funds to pay the auto payment system through XXXX, and she responded on this issue by asked me to contact the credit reports three bureaus. I did right away. From XX/XX/2019 until today the 30 days past due are still shown in the credit reports which hurts my score a lot to on impact my finance, my business loans, mortgage loan, insurance, etc. This is not fair! without the bank statement is no way for me to keep track of paying my bill online especially with the auto payment system. Truthfully, in never have 30 days past due with any loans with the lenders due I can keep track and manage my fiance and bill payment very well with bank statements by mail, but not online. Hopefully, you understand my situation and help me to remove this 30 past due with XXXX and the three credit reports bureaus asap. Thank you! XXXX XXXX. XXXX XXXX XXXX Note : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX The three credit report bureaus : XXXX XXXX XXXX. XXXX  XXXX XXXX, PA XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Transunion XXXX. XXXX  XXXX XXXX, PA XXXX Dear Transunion Credit Services, This letter is a formal request to remove unauthorized inquiries from my credit report. These inquiries were not authorized by me and should be considered ID theft. 

Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX  report. 

Inquiry details XXXX  Inquiry from XX/XX/2020 Finance XXXX  XXXX Inquiry from XX/XX/2020 Automotive XXXX  XXXX Inquiry from XX/XX/2020 Automotive XXXX Inquiry from XX/XX/2020 XXXX  XXXX XXXX Inquiry from XX/XX/2020 Automotive XXXX XXXX XXXX Inquiry from XX/XX/2020 Finance XXXX XXXX XXXX Inquiry from XX/XX/2020 Automotive XXXX  Inquiry from XX/XX/2020 Finance XXXX  Inquiry from XX/XX/2020 Finance XXXX  XXXX  Inquiry from XX/XX/2020 Finance XXXX  Inquiry from XX/XX/2020 Finance In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Bank, 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
Product: Credit reporting or other personal consumer reports

I talked to them about a loan but did not authorize them to run my credit once they told me the interest rates they apparently ran my credit and called me for weeks. Now that left a hard inquiry on my credit report. Please help me fix this and get it off my credit report
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX ) 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my XXXX children.
Product: Credit card or prepaid card

XXXX receiving my XXXX card from One Financial in XXXX, I have been flagged for fraud on all purchases and the card has recently been lock for over a week. I have called their fraud department repeatedly and have been met with an automated response that helps none. My card has been lock yet the company has had no issue charging the account there annual fee.
Product: Debt collection

I have been contacting/attempting to contact XXXX XXXX of XXXX XXXX XXXX. Since XX/XX/XXXX. I left countless messages, called endlessly and never received a call back. I was told by customer service since I previously filed a complaint no one other than the assigned manager is allowed to speak to me.
I finally spoke to her early XX/XX/XXXX after making at least a dozen calls. At the time we spoke my treasury payment had been intercepted. I explained to her my savings bond redemption had been offset for the amount of ~ {$1800.00}. She told me the credit was not yet applied to my outstanding balance. I asked her to contact me when it had been processed and I also asked to make a settlement offer of {$7000.00}. On XX/XX/XXXX XXXX left me a voicemail. She claims AAFES returned with a counter offer of {$15000.00}. She also suggested I provide her all of my personal financial information to apply for a hardship dismissal of the debt. I asked her to mail me the offer letter and I would review it. I received the letter XX/XX/XXXX. I was told by XXXX that offers have a 60 day payment period, she sent me a notice that payment is due in 30 days. I was also told by XXXX that she would list my original offer on the letter, but that is missing. XXXX told me this debt could be collected indefinitely even after I asked about the 10 year statue of limitation. She used that as an intimidation tactic and falsely implied that by giving her all of my financial information it could help with a new settlement amount. That information was omitted from the correspondence I received.
Product: Credit card or prepaid card

Lowe 's CC issued through Synchrony Bank. Most of the other credit cards I have used with a promotional purchase will allocate any payment first towards the regular balance before applying any to the promotional balance. In this way, you prevent interest from accruing on your regular daily balance. Well, Synchrony applies any payment first to the promotional balance then to the regular balance. Because of this, interest is accrued even if you have made enough payments to cover purchases made during a billing statement. So whats the purpose of a promotional rate if you end up paying for it first? Multiple times I have argued this with the bank. In the end, they do end up crediting me the interest, but state I have to call them each time payment is made to tell them where to allocate the funds to. I feel this is an unethical trap to accrue fees and a deviation from the norm for other credit card companies.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and did not open those accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the XXXX XXXX XXXX  and I also have enclosed copies of the XXXX XXXX XXXX  Identity Theft Affidavit. I would appreciate it if you deleted these items immediately as it is hindering me from moving to a new home. This issue is frustrating and I just ask that I can be assisted in any way to help my situation.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Complaint # XXXX XXXX XXXX We thank XXXX XXXX for his comments and please find our response below. 
NOTE : XXXX XXXX also filed another complaint at the same time ; # XXXX. 
XXXX XXXX entered into a Simple Interest Note And Security Agreement on XX/XX/XXXX, and he pledged his XXXX XXXX XXXX as collateral. He also executed a credit application which gave us valid a permissible purpose to review this credit file. 
XXXX XXXX account become delinquent, and the account was assigned for repossession on XX/XX/XXXX, however, we have been unable to locate and recover the collateral. 
The balance remaining on the account is {$6200.00}. We ask that he pay this amount immediately or surrender the collateral. 

15 usc 1681 b 2 who gave permission to share my information? permissible purpose title 18 identity theft any Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

can not use my information without my permission or its identity theft its the LAW I refuse to pay this debt or any other debt that you have in or associated with my name. So PLEASE STOP CALLING ME, OR SENDING ME LETTERS!

Once again! I am informing you to cease all contact with me or anyone else about this claimed debt.

Accordingly, under 15 U.S.C. Sec. 1692c, this is my formal notice that I REFUSE TO PAY and for you to CEASE all further communications with me. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the results on XX/XX/26 from Experian regarding inaccurate information from Collection agency for XXXX XXXX XXXX XXXX XXXX on behalf of XXXX services in Ga. 
They said information was verified and the error is still on my account. 

However, I provided them a copy of a bill that XXXX sent me for {$1400.00} that was signed by someone else for services. I also provided Experian with a copy of my drivers license which has MY signature. I can not be liable for the action of someone else. The creditor should go after that person. The other credit bureaus deleted the error from my credit report based on proper review and investigation by a human. Experian is negligent in the proper handling of my dispute and continues to violate my rights as a consumer under law. I am requesting for removal of this again for about the XXXX time.