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

I have called transunion 2 times this week in regards to update my XXXX XXXX is hurting me since my credit has been paid off. Called the bank and said they updated everything with the bureaus on the XXXX which is the XXXX and so far nothing I called trans union and they apologized about it and to give them until the XXXX is the XXXX and still nothing, XXXX not able to move forward on a business loan because of them. XXXX getting behind on my goals and plans with my company because of transunion algo there was a collection removed on XXXX and on XXXX the same collection came back. XXXX tired of dealing with this guys
Product: Debt collection

getting calls from a company called XXXX about a debt I do not owe. my id was stolen and a police report was filed with XXXX county XXXX pd. ive tried to expain the situation to this company and have failed. they have now started calling from a XXXX number with different area codes to harass and threaten me. they say they are not governed by us laws and call 6 to 12 times a day.
Product: Credit reporting or other personal consumer reports

I am writing to convey my profound frustration and disappointment concerning the lingering presence of charged-off accounts on my credit report. I have previously raised disputes regarding these accounts on multiple occasions, offering comprehensive explanations regarding the Fair Credit Reporting Act ( FCRA ) violations perpetrated against me. In this complaint, I have gone the extra mile by accentuating these violations with supporting exhibits and attached documents. Despite my persistent efforts to address this issue, these charged-off accounts persist on my credit report, inflicting significant harm on my financial reputation. I strongly implore you to conduct a thorough investigation into this matter, rectify the FCRA violations, and ensure an accurate reflection of my financial history in my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$360.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on my XXXX, XXXX, and EQUIFAX credit reports. My latest credit report shows XXXX credit inquiries that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report e.nd se.w items that i didn't approve of neither do i recognize these items. I need removed from my credit report. XXXX XXXX XXXX. XXXX XXXX XXXX/XXXX, DEPTEDXXXXT, XXXX ... XXXX XXXX XXXX, US DEPT ED. I reached out to the FTC and my local police and Im also doing this on my own behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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. 
Also, they aren't even in compliance with XXXX XXXX credit reporting. 
I have evidence to prove my case!
Product: Vehicle loan or lease

On behalf of my deceased father,  XXXX   XXXX , a complaint was submitted to CFPB ( case number  XXXX  ) on  XXXX / XXXX /  XXXX   in regards to a leased  XXXX   XXXX  of which I have not doubt he was taken advantage of when he went to  XXXX   XXXX  alone to lease yet another car ( his third at the same dealership ).  XXXX   XXXX  charged him {$1500.00} even though he was yet again leasing another car. My family members have been leasing cars for years with  XXXX ,  XXXX  and  XXXX  and have never had to submit additional monies when leasing.      Honda Financial  finally agreed to take the auto back after CFPB contacted them in regards to my complaint that was submitted on  XXXX / XXXX /  XXXX  . I was faxed the instructions in regards to what needed to be done. On  XXXX , the car was turned in, no questions asked. Finally justice or so we thought. My brother, who lives at the residence that my parents lived, but he was paying the mortgage, was notified when he attempted to get the house in his name, by  XXXX   XXXX   XXXX   XXXX  that there was an outstanding balance owed on the vehicle of {$2900.00}. The vehicle was returned 7 months ago and this is the first anyone is hearing about this. Not to mention  XXXX   XXXX  has a number of same exact vehicles ( different colors ) certified pre-owned vehicles on their lot selling for {$23000.00} with at least 5 times the amount of miles then my father 's car.  XXXX   XXXX  is claiming they sold his car for {$17000.00} which I believe if they did, they did it purposely to say they lost money. Not to mention the depreciation of the vehicle that always works in their favor, never the consumer.     In reviewing the original lease agreement, the following amounts were also paid : {$1500.00} - lease signing {$350.00} - Turn in fee Why was no one notified until 7 months after the vehicle was returned to the dealership that they now claim a balance is owed? They were advised there would be no estate and they agreed to the terms because of his death.     Thank you  XXXX   XXXX   XXXX  of  XXXX   XXXX   XXXX  deceased  XXXX / XXXX /  XXXX   )
Product: Checking or savings account

My account was closed on or around XX/XX/year> and I was told that I had to wait XXXX months with a date of XX/XX/XXXX for a check to be mailed out to me because of a claim I had opened for XXXX XXXX XXXX XXXX dollars. This has put me and my family at risk of homelessness and XXXX! I had over XXXX in my account that is rightfully mine that I now have no access to and can not feed me or my family of XXXX including a XXXX XXXX XXXX XXXX XXXX XXXX XXXX! This bank has ruined my life and put me and my family in imminent danger to starve with no regard for our wellbeing. I have been a BOA customer for years and never would have expected to be treated in this disgusting manner! I need my money out of this bank so I can continue on with my life!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to adequate customer service and unfair practices, which violate the Customer Finance Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for violations.
Product: Vehicle loan or lease

We had a lease with Hyundai XXXX which was paid in full as of XX/XX/2019. After the car was returned we received a bill for over {$600.00} which included not only a lease end fee of {$400.00} but also a ridiculous charge for a small scratch which we were told by XXXX XXXX XXXX XXXX Pa that there would be no charge due to faulty equipment and the size of the scratch. Hyundai also owed us {$50.00} for a promotional test drive which we took in XXXX but was never received. Hyundai just opened that promotion again. The {$400.00} lease end fee was never explained to us by the XXXX XXXX salesperson, and in fact we had prior leased XXXX in which there was no lease end fee or other problems. We did initial the contract small print while signing the many documents so legally we owed this money and paid it. We sent a letter with the amount billed stating that our check for {$350.00}. ( {$400.00}. minus the {$50.00} owed by XXXX ) was the correct amount due as per XXXX XXXX and if cashed would be paid in full. Next, Hyundai sent us a  bill for the difference of over {$300.00}. They failed to recognize our complaint about the scratch and after this a neck injury caused by the faulty equipment. 
The most important fact is we paid the erroneous balance to protect of near perfect credit rating. Hyundai failed to remove an amount due and it still appears on our credit rating and must be removed. We are seniors and worked our entire lives to have superb credit only to be damaged by an erroneous charge and claim.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF ID THEFT I DID NOT GIVE ATHORIZATION TO THESE ACCOUNTS TO RUN MY CREDIT PLEASE DELETE XXXX  XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

The company that has caused a problem to me is PayPal. PayPal has permanently limited my account without giving a temporary limitation to show proof of ID, I have 100+ in my account at the moment, and I can not withdraw it or use it due to them limiting my account. I have called PayPal, let them know Im reporting them, and theyve told me that I am stupid for thinking I can report them. I have then asked if they can unlimit my account, or release my funds but theyve told me that they cant because their system doesnt allow people to be unlimited which is a lie. I then asked when I can withdraw my money and they said 180 days! Thats too long and I got to pay fees for other services, so I need my money desperately.
Product: Debt collection

XXXX XXXX has been inaccurately reporting a debt of {$690.00} on my credit report. I have received NO correspondence. I have received no LETTERS nor phone calls making me aware of the debt. When taking a look at my credit report I saw that they were an account on there from XXXX XXXX XXXX when I have NEVER had an account with them. I spoke with account collector XXXX and explained the situation to him. He then became snarky and told me there was nothing he could do and they would sue me and garnish my wages. I asked him to please explain to me what charges were made. He gave me a list of charges in my state, BUT that i did not make. I asked him to then mail me a copy of the contract with my signature. He refused and I got upset and asked to speak with his manager. He then put me on hold and hung up. After calling back three times I finally was connected with the Supervisor and I explained to her that I was on limited income due to a parent being killed and being the sole provider of my siblings. I even had to update my CORRECT address after they had the incorrect address on file for me SIGNALING FRAUD! I stay in apartments where my mail and sensitive information is usually passed around. I explained this to her. Im unable to work due to severe XXXX and live on little to no income. On the website it stated that they would forgive or settle if medically unstable. She only said I could get a 20 % discount. She told me I would have to pay {$550.00} of a {$690.00} debt that I NEVER MADE! She then questioned how I would make the payments. She told me if I didnt have a payment made by XX/XX/2018 I would be SUED! I have sent letters and made calls and no one has gotten in contact with me. It is not fair for me to pay on a debt that is NOT mine and that has NO signature of mine on the contract. Again I am severely and medically diagnosed as being a major XXXX. I only agreed to settle to get this off my credit report. These people are heartless!
Product: Student loan

I went to XXXX in XXXX, VA. I was a XXXX student. I feel that the loan should be wiped away because the school did not give me what was paid for. For the first 2 months we did not have a teacher. When we got her she was great. The software that was supposed to go with our classes never did work not even XXXX day. The transcription class was not taught. Did n't even open the book we paid for.
Product: Vehicle loan or lease

On XX/XX/XXXX I asked Credit Acceptance for a name change on the said loan paperwork. I received forms again with the incorrect name on the paperwork. Loan also is having a bad impact on my credit and vehicle was voluntary repossessed an sold in XXXX. Since I did not receive corrected paperwork with the correct name I dont feel like Im liable for this joint loan And I want this removed from my credit since I did not receive the paperwork that I asked for several times with the correct name on it
Product: Credit reporting or other personal consumer reports

This is my final goodwill attempt to clear this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.i do not owe XXXX $ to XXXX  XXXX XXXX. They sent me an automated response, document without my signature for the debt thats liable to me or XXXX  verification this is highly unacceptable i am adding the proof that they sent me ( cc ), they are treating this matter like a sweep under the rug.. I am requesting a reinvestigation AND your VALID method of verification once again, and they have not complied the first time, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). Which means You must remove this inaccurate account. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re- investigation. if it is not provided then the account must legally be REMOVED according to the FCRA 611 ( 1 ) ( B ). i really don't want to escalate this matter
Product: Vehicle loan or lease

I am a consumer, a Federally protected Consumer and my name is XXXX XXXX. I am exercising my consumer rights and I am informing you that Credit Acceptance Corporation is violating my consumer laws. On XX/XX/2022, I sent a letter to Credit Acceptance Corporation and this ILLEGAL REPO of my vehicle. 

Reading the FCRA, Pursuant to 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. This is a Direct violation of 15 U.S.Code 1692e ( 4 ) and it's fraud and illegal in the collection of any debts. 

They are in violation of 1692d ( 4 ) - advertisement for sale of any debt to coerce payment of the debt. ( debt parking ) .Credit Acceptance Corporation is basically debt parking this account on my credit report and that is illegal. The advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the FTC. 

Once this illegal repo was taken place, I was suppose to receive some documents. The documents that I was suppose to receive was the Contract before the sale, Deficiency Documents, Redemption Documents, and Finance Documents. Also, I never received a response from the letter that I sent in on XX/XX/2022. What they are doing is unfair and it is illegal. Please protect my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 thru XX/XX/18 and many attempts prior to the dates I've given in this complaint. I received my chapter XXXX discharge on XX/XX/18 and nothing was removed nor altered pertaining to my agreement with the state of Delaware Bankruptcy Division. I reported of D.O.B changes that were made that consist of the month and day I was born, with the correct year of my birth. I reported inquiries that weren't made by myself. I reported that an address of XXXX XXXX XXXX XXXX, Nj that was once removed in the past belonging to my Ex -Husband XXXX XXXX XXXX XXXX was placed back on my credit card report. I reported employment that was placed on soon after me removing it. I reported possible identity theft, in which nothing was executed. I was asked to mail in Identification, S. S. C, Chapter XXXX Bankruptcy Discharge Information, and my new marriage last name ( XXXX ), and a letter explaining all of my concerns. All information was sent to All Credit Breaus Companies. I have reason to believe that my Ex- Husband and his Mother, in which goes by many names received my personal information from XXXX  XXXX XXXX concerning a Mortgage, that I am not liable for payments, but I'm presently on the deed to the home of XXXX XXXX XXXX XXXX XXXX De XXXX. I have unsuccessfully been assisted with any of my concerns.
Product: Credit card

I signed up for a checking and credit card XXXX 2023 looks like the XXXX. 
I was approved online for both accounts automatically. I received my debit card for the bank account, but the credit card never came. It says approved online but has never changed in status. I contacted the company multiple times trying to figure out why my credit card account only says approved and never officially opened. All I was told was they were putting in support tickets and I was a special case. They told me I would receive my sign-on bonus for opening both a credit card and checking account as soon as they got if figured out. It has been 4 months, and they still can not cancel my application or push it through. I don't want an open application that could go through randomly. So, I have asked them to cancel it since they can not seem to figure out how to finish processing it and they tell me they don't know how and can not. No one calls me back ; they send emails that you can't respond to and the only thing anyone says on the phone is they have put in a ticket for that.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX  TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a formal complaint against Experian dba : XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX TN, XXXX ( XXXX ) XXXX, for illegal data sharing and providing unknown third parties companies access to my complete credit file. 

Although I had opted out of data sharing on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, without my knowledge or consent Experian provided a complete copy of my consumer report to a third party listed on the report as XXXX XXXX XXXXXXXX XXXX XXXX. 

On XX/XX/XXXX, I received a copy of consumer credit file number # XXXX, and noticed several unauthorized inquires on my file placed by XXXX XXXX XXXX XXXX XXXX 

I immediately contacted the credit bureau for an explanation. According to Experian even if the consumer opted out of data sharing they have the legal right under code ( 604 ) to share my data with XXXX XXXX XXXX XXXX XXXX, who obtained and forwarded copies of my consumer credit report on behalf of hundreds of medical providers. 

Experian could not or refused to disclose to the consumer what companies were provided copies of the consumer credit report personal data or contact information for XXXXXXXX XXXX XXXX XXXX XXXX. 

This action is a violation of privacy laws in addition, Experian had found a loop hole in the FCRA to blatantly distribute consumers data without their knowledge or consent. 

I want a full investigation into the egregious act and CFPB to enact or enforce laws that provides consumer protection from this abusive practice of data sharing without the consumer knowledge or consent and refusing to provided names of the companies or persons that now have my personal data in their possession.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

I am requesting the {$92.00} on my Amazon Account. You closed my account, because of the bank 's mistake and there were returned checks. I was not aware that the bill pay feature was still being applied to my Amazon Account.

Why should I have to research my bank records to prove the {$92.00} credit on my account? You know that there is a credit on a closed account. Your representative stated that it would be refunded in 30 days. It has been over 90 days. 

I am requesting my credit immediately plus interested, and {$25.00} per month penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, SANTANDER CONSUMER USA and on XX/XX/2020, CHRYSLER CAPITAL add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Money transfer, virtual currency, or money service

Coinbase will not allow me to withdraw my money. 

This is a scam company that wont allow a bank account to be set up therefore unable to withdraw!