23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX Wed, XXXX XXXX, XXXX AM ( XXXX hours ago ) to antitrust I was advised to contact you regarding the above car loan corporation. 
On XX/XX/XXXX I was diagnosed with XXXX, the Rhode Island Department XXXX XXXX placed me on a XXXX quarantine, I did not get better until the end of XX/XX/XXXX. I contacted Credit acceptance, since I owed only XXXX on my car. I paid XXXX dollars for a XXXX XXXX XXXX. 
After all was said I paid Credit Acceptance XXXX dollars, My car was repossessed on XX/XX/XXXX. I was told I had to pay XXXX too get my car back. They also added several fees that brought what I owed to {$1300.00}. I worked hard to keep the car. It was the first one I financed. They HAVE SINCE AUCTIONED MY CAR. I now have no vehicle and they are stating I owe them money. 
Due to covid I lost my job, i lost my car and i was brought to my knees. If you want the car paid for I need to work to do that. I have contacted the attorney general, the XXXX, the house XXXX XXXX, the XXXX for XXXX in Rhode Island. 

Please I need help, This was so unfair on their part. They were rude, demanding, and basically told me to bad. They are not required by law to follow any of the governments or the XXXX of Rhode Island 's laws regarding covid. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX XXXX email - XXXX Credit Acceptance ( CACC ) Settles Auto-Loan Lawsuit, To Pay $ XXXX | XXXX The above link is an article from the state of Massachusetts lawsuit against XXXX, and facts like they repossess 35 % of all the vehicles they finance, I never would have used them had I known this Any advice or help you can assist me with would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX account # XXXX, has violated my rights. Also, they are charging me this balance of {$540.00} when I have never received any money from them at all. 

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

15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I applied for a Capital One ( Quicksilver ) Credit Card, with a {$200.00} Early Spend bonus ( ESB ) which was opened on XXXX. After submitting a charge so I could receive the ESB and after reviewing my account, it appeared that the ESB was not received. I not only placed a phone call to Capital One, but also filed with the XXXX  Attorney General Office. I was then informed by Capital One that I ACCEPTED THEIR COUNTEROFFER for a different credit card ( WITHOUT ESB ). I then requested proof. I was informed of the following. Because the account was opened online, there is NO signed copy of the application, but I was offered a counteroffer on the phone, which I requested a copy of the phone transcription, I was informed it is proprietary information, so they are unable to satisfy my request. Their Welcome Kit Letter, does not mention at all that I was receiving information on a different credit card, that I supposedly accepted ( a counteroffer ) since I was not approved for the EBS Credit Card that I initially applied for. And why would I feel that I need to read of the information sent with the credit card, if I thought I received the Credit Card that I applied for. THIS WAS A BAIT AND SWITCH! Capital One has NO documentation in written form or verbally that I accepted a counteroffer.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violated federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

I utilized my XXXX XXXX - Zelle service on my XXXX XXXX mobile app to pay an XXXX vendor {$670.00} for invitations and save-the-date cards. The merchant, XXXX XXXX XXXX, sent me an invoice outside of XXXX directly to my email and requested payment through Zelle not XXXX to process my order. The message response I received through XXXX was to directly contact XXXX from XXXX XXXX at either XXXX - XXXX or XXXX  via XXXX for a faster reply since she was not always on her computer. After various message exchanges on XXXX on options I place an order with XXXX XXXX XXXX. On XX/XX/2020 I signed the emailed invoice by clicking the " sign the document '' button, which went through XXXX and sent payment via Zelle to XXXX XXXX XXXX. XXXX XXXX XXXX indicated I would receive proofs for the cards once I sent the wording via email, which was sent on XX/XX/2020. As of today, XX/XX/2020, XXXX XXXX XXXX will not answer any texts, calls, XXXX messages or emails. XXXX XXXX XXXX has since deleted their XXXX account, on which we exchanged many messages regarding my order. Unfortunately, I did not screen shot our conversation before the profile was deleted. I have contacted XXXX and they can only do an investigation. XXXX also asked me to report the vendor on their website and but they could not help me get a refund since I did not order the items through their website. I next contacted XXXX XXXX and they indicated they could not help because Zelle is an independent operator on their mobile app and could not get my funds returned. I contacted Zelle via their website and I can only file a scam report. The report was filed and the response send stated that " information would be shared with their partner financial institutions to investigate and take further action. '' Also, the email stated that the results or actions would not be provided and to check out the link " Pay It Safe. '' The link directs you to their website that warns to only send money to family or friends and not people you don't know, like that stranger selling suspiciously cheap concert ticket on the internet. The merchant I sent money to was on a legitimate website, XXXX, as a vendor. It is my understanding that XXXX has policies and procedures in place for vendors on their website to avoid fraud and scams. I have purchased items on XXXX many times and have not had an issue. My concern is that ZELLE does not protect it's users from scams and will not help recover funds when a service or merchandise is not fulfilled. I went back to the XXXX website to visit the vendor page again and there are two 1-star reviews posted during XXXX of this year from customers indicating their orders have not been fulfilled by XXXX XXXX XXXX.
Product: Credit card or prepaid card

cr card was lost, capt one try to tx to my # to verify, unable to rec tx. Need replacement walmrk card, and bk copies of statement from XXXX-to current, had returns need to see if they were cr.
Product: Checking or savings account

On XX/XX/2022, I was a victim of internet fraud, and my information was stolen. I realized a XXXX payment for the amount of {$2000.00} was made on my checking account. Once I realized this, I called Wells Fargo to have them reverse the payment and was advised that they were not able to do so and to contact XXXX. I then contacted XXXX and was also advised that nothing can be done once the transaction was completed. I explained that the transaction was not authorized and that I was a victim of internet fraud. The still refused to help and told me that nothing can e done. I then went to a Wells Fargo branch to explain the situation with a XXXX and was also told that they weren't able to help. I closed my account immediately after that,
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report there is a fraudulent address XXXX XXXX XXXX ) being reported. I have tried multiple times with multiple phone calls and letters along with proof of identity to remove this address but it still remains on my Equifax Credit Report. 

There should only be XXXX XXXX address on my credit report and EQUIFAX has refused to update my personal information correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquires on my credit report that I did not authorize and that I do not recognize. These inquires are as follows XXXX XXXX XXXX XXXX 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX  XXXX Balance : - XXXX  XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
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 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make 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 know or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I tried to get a new mortgage, I was informed that my credit score was  adversely low because Nissan Motor Acceptance Corporation reported a late payment of >30 days on our 0 % interest loan. 

There are 2 issues : 1 ) Since NMAC 's autopay function ( how the loan was being paid ) had an internal limitation of 5 years, but the loan term was 6 years, payments we authorized were not automatically pulled. The contact by NMC through spam-like email and calls did not register as necessary actions since we knew the account was on autopay ( in fairness - we did overlook some of the attempted communications ). By the time we figured out the problem, we quickly paid the balance, and the penalties to bring the account current - as it now shows. We contacted NMC to have them update the 3 credit bureaus with Paid as Agreed. They refused to do this, despite 5 years of perfect  payment, and resolution of the outstanding balance. They were not at all understanding of people ignoring emails and voicemails from a company that also happens to send relentless sales communications. We would like our credit scores updates with Paid as Agreed since everything is now current and fixed, due a misunderstanding stemming from their internal system limitations. 

2 ) How can a credit score for someone with significant net worth be so severely impacted by a {$160.00} payment being late for just over a month ON A ZERO %  INTEREST LOAN!!!! Seriously ... ..
Product: Credit reporting or other personal consumer reports

XXXX is reporting a charge off account in my credit I cooled them and request a 1099c that they never provide me one. They told me that they dont have to pawns me one. Please investigate farther.their phone number is ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I requested XXXX  to verify in writing a copy of wet signature contracts proving the bankruptcy & debts were mine. On XXXX XXXX  completed their dispute process & advised that the public record was verified via Lexisnexis as being mine & dated XXXX as the verification date. I have a letter from Lexisnexis that my consumer report was frozen on XXXX & nothing would be released without me lifting with my pin number. I also submitted a copy of a letter dated XXXX from the Chapter XXXX court stated they didnt report any info on me to any consumer reporting agency. XXXX has not provided me with a wet signature contract & their report states the info I requested to be removed was verified. They also state the public record bankruptcy was verified via LexisNexis on XXXX. They both are violating the section 609 ( a ) ( 1 ) ( A ). I also provided a copy of a 14039 affidavit from the IRS that I am a victim of identity theft as someone used my SSN to file federal taxes. This alone without a copy of the contract justified removal from my file.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$2400.00} XXXX XXXXXXXX Balance Owed : {$360.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$2400.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$9100.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$530.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

I got this notification it says Receivable Management Services LLC is the collector for XXXX XXXX. Now the only XXXX XXXX I know is a garbage company that picks up in my area. I have never called them to get there services. I have XXXX XXXX as a garbage company since last year because my company did not pickup the leaves since I had 14 bags of leaves. So I found a company that did. I purchased my own garbage can. The previous company had not come to get the garbage can. So I am assuming maybe this company took over but I never talked to anyone at that company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this inaccurate account on XXXX of 2020 with all three major credit bureaus, ( XXXX, XXXX and Transunion ). The account I disputed was XXXX XXXX and dispute reason was that this closed charged-off account is adding interest to the account. By the FCRA, I believe this is a violation. I asked for this account to be deleted immediately and neither one followed the fcra laws. So I'm contacting the cfpb to get involved and help with this issue.
Product: Debt collection

I received a letter on XX/XX/XXXX from Pacific Retrieval LLC XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, California, XXXX a collection agency regarding an alleged account # XXXX, Claim # XXXX with a towing company, XXXX XXXX XXXX out of XXXX California who towed a XXXX XXXX XXXX VIN XXXX ( no license plate # provided ) and is alleging I, XXXX XXXX owe {$2600.00} for a tow and storage for a truck I have never owned in my life, the XXXX  XXXX XXXX   and Consumer reports has had 13 complaints about identical fraudulent assertions and threatening, rude behaviors attempting to extort thousands of dollars out of elderly? or vulnerable who are more likely to succumb to threats and found language, being called a liar and a thief, they know they are abusing people for cars we never owned in our life, they settle the cases with the XXXX  however they continue to use the illegal abusive threatening fraudulent and slandering tactics. Clearly they are making money by breaking the law and defrauding vulnerable persons by their extreme ly abusive language and accusations of criminality for refusing to pay for a vehicle we never saw before, this is a huge ongoing scam, search and see on the XXXX  website or Consuner affairs and the Federal Trade Commission.
Product: Credit reporting

I disputed an account on my credit which was investigated by the credit bureau ( Experian ) and concluded. The dispute was concluded. The Creditor company, XXXX XXXX XXXX XXXX, concluded that I owe them for early termination of the account even though I canceled the account in less than 30 days of opening and returned their credit card processing machine to them. I contended that I do not owe them since I canceled the account on time and returned their equipment to them. They insisted that I owe them and concluded the dispute. 
However, they left a dispute comment on my Experian credit as if the dispute is still active even though it has been concluded. I want them to remove and delete the " dispute comment '' from credit since it has been concluded by them after the investigation by Experian. It is holding and preventing me and my wife from our mortgage application process. The banks and mortgage companies said they can not proceed with our mortgage application with the " active dispute comment on my credit. '' I need them to remove the dispute comment only and not remove or delete the account since they insisted that I owe them. The credit bureau ( Experian ) said that it has to be removed by the creditor company since they put it there. The XXXX XXXX XXXX refused to remove it even after I requested them to do so through Experian several times. 
I called the XXXX XXXX XXXX on XXXX/XXXX/15 and spoke the Account XXXX, XXXX XXXX, about removing the dispute comment. She agreed to remove it at start of our conversation. And she concluded with me that she will recommend to Experian to remove it. However when she requested that I pay the debt and I said that I could not, she became angry and probably do n't want to remove it again as she agreed to. It is on record that she initially agreed to remove it as they recorded our conversation. 
I have waited since XXXX/XXXX/15 when I spoke to her up till today XXXX/XXXX/15, ( I just spoke to her again ) and she has refused remove it. She referred me back the Experian to remove it. I called Experian again today and they insisted that the creditor has to remove it. Hence this complaint. The dispute comment has been on my credit since XX/XX/XXXX and has prevented me and my wife from proceeding with our mortgage application. We intended to buy and move into the home by now but we are being stalled by the dispute comment. 

PLEASE HELP ME AND MY FAMILY TO PREVAIL ON THE XXXX XXXX XXXX XXXX, FROM PUTING A HOLD ON OUR LIVES BECAUSE OF THE DISPUTE COMMENT ON MY CREDIT. 
Thanks. 
Sincerely, XXXX XXXX.
Product: Checking or savings account

On Monday, XX/XX/XXXX, I deposited a check at the local Huntington bank branch for {$2900.00}. I asked the bank how long it would take the check to clear and the bank advised it takes about 2-3 days for a check to clear. 
On the morning of XX/XX/XXXX ( Wednesday ), I called the local bank branch where I deposited the check to confirm that the check has cleared. The bank branch transferred me to the banks customer service and a customer service agent confirmed the check cleared and the money could be used. After this confirmation, I used the money for the intended purpose. 
On Thursday, XX/XX/XXXX, I found out that the check has returned because of insufficient funds. 
I went to the bank to understand why this happened after their customer service representative ( CSR ) confirmed that the check has cleared. They kept on saying that the check returned due to insufficient funds and they can not do anything. They also said that since the CSR told me the check cleared I should talk to them to find out what happened and resolve it through them. 
I called Huntingtons Customer Service on the morning of Friday, XX/XX/XXXX, and talked to a CSR first and then to a manager. I explained the whole situation to them and asked for an explanation and resolution of this issue. I wanted to understand why the check returned after the CSR said the check has cleared. The manager could not provide a clear explanation as to why this happened. He said that the CSR may not have the recent most information and that the information from their check clearing ( returned check ) department may not have been available to the CSR. He said that they will take this feedback to improve their system to prevent this but unfortunately can not pay me the lost money. 
I lost my money due to the wrong information provided by the CSR and now Huntington Bank is not ready to take responsibility for it.