23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Tidewater finance continues to report on XXXX and XXXX incorrectly. They have reported the amount owed as the same for 8 months at XXXX. I owe them XXXX. They added XXXX on to this account which at this point should be paid off because interest free for 12 months was not explained correctly. They do not apply payments correctly and continue to report incorrectly I have emailed them numerous times on this. I have filed with XXXX   and XXXX disputes and nothing has been fixed. I have paid Tidewater Finance XXXX out of the XXXX owed. Before they added XXXX I had paid them XXXX out of the XXXX then they added on. If all of that was going to be added I would have paid off immediately. I thought the interest would have only been added on the XXXX owed. Account # XXXX. Yet they continue to over and over to say they will look into, yet do nothing, report incorrectly and damage my credit and this is the only account on my credit report that does not report on time has damaged credit and I can never get a straight answer on
Product: Credit reporting or other personal consumer reports

There seems to be an identity theft going on with my Transunion credit report as someone tried to apply for a credit card with a financial institution with the name " XXXX '' using my SSN and other details without my knowledge or consent with led to an unauthorized hard enquiry on XX/XX/year>. I request this hard enquiry to be deleted
Product: Credit reporting

I have been trying to get my credit report and have provided Experian the required information and documentation THREE TIMES. I have gotten my report from the other XXXX agencies with no problem. THE ONLY AGENCY GIVING ME A PROBLEM GETTING MY OWN CREDIT REPORT IS EXPERIAN. The first complaint # XXXX they closed by claiming they were sending me a credit report that daty, XXXX XXXX. THEY DID NOT do as they said to close the complaint. Instead they sent a letter asking for the exact same info. Which I provided AGAIN with my XXXX complaint # XXXX. They closed that complaint by saying : " Unfortunately, at this time, we are unable to process your disputes, as they are not specific. '' I WANT MY CREDIT REPORT. HOW MUCH MORE SPECIFIC CAN I GET? DO WHAT YOU SAID YOU WERE DOING BACK ON XXXX XXXX. YOU ARE INCOMPETENT.
Product: Debt collection

XX/XX/2016 FOR 3 CHARGES. 

1-XXXX 2-XXXX 3-XXXX I HAVE WORKED ENDLESS TIMES TRYING TO CONTACT THE COLLECTION AGENCY AND LEFT MULTIPLE VOICEMAILS TRYING TO GET AHOLD OF THEM AND SETTLE THIS ACCOUNT SO THAT THEY COULD BILL THE PROPER INSURANCE. NO MATTER HOW MANY TIMES I AND THE INSURANCE HAVE TRIED THEY CONTINUE TO MAKE MISTAKES AND FAIL TO BILL CORRECTLY THEREFORE EFFECTING MY CREDIT IN WHICH I WASNT OBLIGATED TO HAVE TO PAY THIS. THEY ARE UNPROFESSIONAL AND WILL NOT WORK TO TRY AND GET THIS DEBT PAID. ITS BEEN SEVERAL YEARS AND NO MATTER HOW MANY TIMES I CALL AND HAVE THE INSURANCE CALL THEM THEY CAN NEVER SEEM TO GET IT RIGHT.
Product: Credit reporting, credit repair services, or other personal consumer reports

SO I OVERPAID ON A PAYOFF WITH XXXX  XXXX  AND I HAD NO CLUE UNTIL THEY REPORTED MY ACCOUNT LATE AND DELINQUENT, SO I FILED A DISPUTE AND ITS WAS DONE FIXED AD CLOSED, THEN 2 MONTHS LATER THEY REPORTED ME DELINQUENT AGAIN, I HAVE LOST A TOTAL OF 107 POINTS TOTAL SINCE THIS HAS FIRST STARTED AND THEY ARE NOT GIVING ME ANY UPDATE. I REALLY NEED HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer on multiple instances, I have written several letters to all 3 credit bureaus, exercising my rights as they pertain to the FCRA section 15 U.S.C. 1681g I have repeatedly asked for evidence to support their reportings, but yet again they have failed to provide me with a copy of any viable evidence submitted by ( XXXX ) and ( XXXX XXXX ) substantiating their claims. Furthermore, I have requested their method of verification, and they have not complied, who verified these items? What methods were used in verifying these items? Also, where is the physical proof of a contractual obligation with my signature on it? which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). and allowing the negative items to remain on my credit report after several letters damaging my creditworthiness. The items, therefore, should have been deleted Under section 611 ( a ) ( 5 ) ( A ) ( i ). Experian, XXXX Account # XXXX as well as XXXX XXXX Account # XXXX. And XXXX  XXXX XXXX Account # XXXX, as well as XXXX Account # XXXX, are all in violation of the FCRA ... 

I have sent certified mail to the credit bureaus named Experian and XXXX 3 times to validate and verify 2 accounts on my report. They come back with " verified '' or updated on my report. I asked for proof of verification to show me how this is indeed my debt and they never have any signed contracts or proof to send back.
Product: Mortgage

On XX/XX/2018 I was denied a loan because the condo association which I was purchasing the condo from did not have enough funds in there reserve and was not approved. 
All closing cost should have been paid " At Closing '' However, On XX/XX/2018 Citi Bank had prematurely charged me for closing cost totaling {$790.00} Appraisal - {$590.00} Credit report {$21.00} Application Fee {$170.00} Flood Certification {$5.00} Citi Bank should have waited until they had all the proper documentation ( Questionnaire ) in place before they requested payments that are usually made at the time of closing. Please see attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, federally protected consumer rights under the Fair Credit Reporting Act have been violated by EQUIFAX , INC . I'm looking for an fair and equitable solution to get EQUIFAX, INC to apply the reasonable procedures that the title has for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the title. 

please see attached document.
Product: Credit card or prepaid card

I opened a case previously. The case number was XXXX. I was informed that the outstanding balance was closed. I am now getting billed again. I can't log in to Citi. I don't have the credit card anymore. 

I received this 5 hours ago ..... 

Your payment is past due Please make a payment. 


Hi, XXXX. Your payment is past due on your Citi / AAdvantage Card account. By making your minimum payment within this billing period, you can avoid any unnecessary late fees. 

You can make a payment immediately on the CitiXXXX XXXXXXXX, at Citi Online or by calling us at XXXX ( TTY : XXXX for hearing and speech impaired only ).
Product: Consumer Loan

I came to the dealership to purchase a new vehicle. I was greeted by XXXX XXXX XXXX, the sales consultant, there. After we sat down and discussed the terms to the new car purchase, he and the sales manager, XXXX XXXX, told me the price for the new XXXX Toyota Camry SE was {$19000.00}. With that price being agreed upon, I went in the room to discuss the finance with the financial manager, XXXX XXXX. 
XXXX told me that because I did not qualify for a low interest loan, they would have to take away the {$2500.00} cash back offer by Toyota manufacturer so I can be qualified for the loan. That brought the total up to {$22000.00}. On top of that, he said because Toyota financial service will only guarantee me the loan if I purchase all of their warranties. At the end, the total came up to be {$31000.00} including tax and title fees. When finally drove the car home, I realized that the paperwork stated the car was a XXXX Toyota Camry SE but the car they did the paperwork on was a LE model, which cost less than the purchase price on the paperwork. 
I contacted the dealership later trying to resolve my problem but XXXX, XXXX, and XXXX refused to work with me to resolve the situation. Even though they provided me with misleading information on the purchase price and the actual model of the car. XXXX also falsely told me that I need to purchase all of their warranties in order to qualify for the loan.
Product: Vehicle loan or lease

I was out of state traveling and had left my vehicle at my friend XXXX XXXX 'XXXX XXXX  complex, XXXX XXXX in XXXX Rhode Island because she was supposed XXXX XXXX me to and from the airport. My XXXX XXXX XXXX was left on private property in the parking lot of her apartment complex. Upon returning on XX/XX/XXXX, my vehicle was no where to be found in the parking lot. I first called the towing company associated with the apartment complex who had no knowledge as to the whereabouts of my car. I spoke to the XXXX of the apartment complex and she had no knowledge of my vehicle being towed. I called the XXXX police department and asked them if they had any records related to my vehicle and they didn't have any information regarding my vehicle. The XXXX police department sent an XXXX to XXXX XXXX apartments to try and further assist me at which point I was advised to fill out a police report stating my car had been stolen and that upon recovery I would like to pursue legal action against anyone found to be involved in my missing car. I called the customer number for Hyundai Motor Finance, the company my vehicle is financed through and they told me that my car was repossessed and gave me the number to the recovery agency. 

I was out of state at the time my vehicle was repossessed and had made arrangements to pay the total amount due upon returning. I had called Hyundai Motor finance on XX/XX/XXXX to get the total amount due from the automated phoneline in order to XXXX the total amount due upon returning. 

I never received anything through certified mail stating that my car was going to be repossessed which according to the state laws in Rhode Island and Massachusetts is a legal requirement prior to repossessing a vehicle to let the person responsible for the auto loan know the vehicle is going to be repossessed prior to the vehicle actually being repossessed. 

According to the state laws in Rhode Island XXXX The city/town police department in which a vehicle is going to be repossessed from must be notified prior to the repossession of said vehicle. 
The XXXX Police department had know prior knowledge of my vehicle being repossessed the date of XX/XX/XXXX, nor the date of XX/XX/XXXX, XXXX, or XXXX of XXXX. The Rhode Island Recover company in XXXX Rhode Island did not do their due diligence in taking proper action required prior to recovering my XXXX XXXX XXXX on XX/XX/XXXX of XXXX. 

The Rhode Island XXXX company that repossessed my vehicle for Hyundai Motor Finance also illegally took my car from private property which according to the state laws regarding repossession of a vehicle in the state of Rhode Island XXXX is illegal action. 

Therefore, I wish to formally file a complaint against Hyundai Motor Finance for wrongful repossession of a vehicle without proper notification prior to repossession, and also with the company associated with the illegal repossession of my vehicle for not taking the proper and legal steps prior to the recovery of a vehicle for a financial company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  X/X/2017  I received a letter from The Huntington National Bank.
This letter requested that I send them {$3300.00} within 30 days in order to implement a loan.
I have never applied for a loan with this company. I have never heard of this company.
The reasons stated for requesting the {$3300.00}. was allegedly because my credit report that Huntington National Bank requested from  XXXX  was so negative.
I have checked with   XXXX   and our history has always been clear of all problems Huntington National Bank wrote that the following reasons attributed to their request for money from us : A : " Low credit score of   XXXX   '' Nonsense ... .We have an Excellent credit score of  XXXX  B : " The number of our accounts with delinquency is to high '' Nonsense ... ..We have an impeccable history ... .no delinquencies ... ever ...
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C : " To few accounts currently paid as agreed '' Nonsense ... ..Our credit reports, dating back as far as you want to look, including their alleged source,  XXXX , show all accounts have always been paid as agreed D : " Length of time loans have been established '' Nonsense ... ..We only have   XXXX   loans plus credit cards that are paid in full every month.
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I talked to Huntington National Bank this morning and expressed my concern that : # 1, I did n't request a loan with them ... .ever ...
# 2- the information contained in their letter to me regarding our credit is highly inaccurate.
I made it clear that my credit reports had better not reflect anything due to Huntington National Bank invalid and inaccurate statements.
My wife and I take great pride in maintaining our credit ratings and are offended by the misuse by Huntington National Bank of our credit history I 'm concerned that it might be possible for a bank to prey on the elderly and with intimidation, force loans that were never applied for.
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My phone discussion with bank personnel did nothing to assure me they were the least bit concerned with what I thought.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. Transunion has a Chapter XXXX Bankruptcy, REF # XXXX as Date Filed : XX/XX/XXXX, however XXXX has the following info claiming to be accurate, Chapter XXXX Bankruptcy, REF # XXXX as Date Opened : XX/XX/XXXX, and XXXX  is NOT reporting this information AT ALL!!! Also Transunion has XXXX XXXX, ACC # XXXX Balance of {$3500.00} as Date Opened : XX/XX/XXXX, however XXXX  has the following info claiming to be accurate, Balance of {$3500.00} as Date Opened : XX/XX/XXXX, and XXXX has the following info claiming to be accurate, Balance of {$3500.00} as Date Opened : XX/XX/XXXX. If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately. I also asked if they would update my personal information in their system, they have not done so.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Money transfers

XXXX Money Lost for ever XX/XX/2016, an international wire transfer for {$6000.00} was sent to a citibank XXXX, with an outgoing confirmation number : XXXX, after more than 16 Business days and the money never arrived I called the bank on XX/XX/XXXX and I did a recall of the money, and I asked them to trace the money, it has been more than 2 Months now, and I called almost every single day including the branch manager called XXXX ' at this number XXXX, and all they said is that they do n't know where is my money and that posible the money is lost for ever. and I will never get it back.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. Some personal information is no longer valid and is outdated Account : XXXX, Amount {$4000.00}, Acct # XXXX Account : XXXX, Amount {$170.00}, Acct # XXXX Account : XXXX XXXX, Amount {$660.00}, Acct # XXXX Account : XXXX, Amount {$500.00}, Acct # XXXX Account : XXXX XXXXXXXX, Amount {$480.00}, Acct # XXXX Account : XXXX ( Original Creditor : XXXX XXXX XXXX, Amount {$2100.00}, Acct # XXXX Account : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Amount {$790.00}, Acct # XXXX Account : XXXX XXXX, Amount {$470.00}, Acct # XXXX Inquiries : XXXX XXXX - XX/XX/year>, XXXXXXXX XXXX XXXXXXXX - XX/XX/year>, XXXXXXXX XXXX XXXX  - XX/XX/year>, XXXX XXXX Address : XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Credit card

Used Affirm card to purchase XXXX furniture ( which they suggested ). Furniture was on back order while credit card payments continued. Ultimately, furniture was damaged and returned. Reordered same furniture and was back order again and without my notification, the order was canceled. Now requesting refund from XXXX ( to the Affirm card ), but has been rejected twice now. 

So, I have paid XXXX  with the card and do not have a physical piece of furniture. Original purchase was in XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX 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. 15U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Equifax has XXXX XXXX XXXX reported as XXXX late payments and I was never late. 15 US 1681B NO PERMISSION I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 U.S.C 1681i ( 5 ).

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is Equifax, XXXX and XXXX did not modify or remove anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on XXXX reports. Which is a violation. This is causing me financial injury and impacting me from buying a house. 

I've attached my letters and their response.
Product: Debt or credit management

I entered into a debt settlement agreement with Freedom Debt Relief to resolve my enrolled debts, which totaled {$35000.00}. However, I am filing this complaint because of the following issues : 1. Lack of Transparency in Fees : Freedom Debt Relief withheld a significant portion of my payments as fees without clearly explaining or itemizing these charges. I feel the allocation of funds was not transparent. 
2. Mismanagement of Funds : Despite my payments into the program, I did not see timely progress in reducing my debts. The settlement amounts and timelines seemed misaligned with what I was led to believe.

3. Negative Financial Impact : Freedom Debt Reliefs handling of my case caused my financial situation to worsen. My credit score was negatively impacted during the process. 

I request a full breakdown of all payments made into the program, including how much was applied toward debt settlements and how much was withheld as fees. I am seeking a resolution to ensure fair handling of funds and accountability for the discrepancies Ive experienced.
Product: Credit reporting or other personal consumer reports

I reviewed my TransUnion credit report dated XX/XX/XXXX and identified several inaccuracies that require rectification. 

Consumer Information Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Correct Address : XXXX XXXX XXXX, XXXX, PA XXXX Contents of Complaint This CFPB complaint has been filed to request, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2, a consumer reporting agency must block information resulting from identity theft within 4 business days of receiving a complaint. 
Upon examination of the report, the following issues were noted : Account Name XXXX XXXX Account Number : XXXX Additionally, please remove the following creditors from my report : XXXX  These accounts have resulted in fraudulent hard inquiries appearing on my consumer XXXX credit report. I do not recognize these accounts as reported. They are the result of identity theft and fraud. 

Address and Employment Information Please remove the following address from my report : Address to Remove : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, PA XXXX Additionally, please remove the following employer from my report : Employer to Remove : XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I APPLIED FOR A CHECKING ACCOUNT XXXX WITH XXXX AND IT WAS BROUGHT TO MY ATTENTION THAT A INCORRECT CHECKING ACCOUNT RECORD WAS STILL REPORTING FROM XXXX XXXX XXXX IN MY EARLY WARNING CONSUMER REPORT. I HAVE NEVER HAD AN ACCOUNT WITH XXXX XXXX XXXX AND ANY ACCOUNT OPENED IN MY NAME WAS FRAUDULENT. I DISPUTED THE INFORMATION AND PROVIDED THE NECESSARY DOCUMENTATION AS A VICTIM OF IDENTITY THEFT. IT WAS THEN BLOCKED PER THE LAWS OF THE FCRA. FOR ONE REASON OR ANOTHER IT WAS RE ADDED! THIS INFORMATION IS INCORRECT AND IS A RESULT OF ME BEING A VICTIM OF IDENTITY THEFT. PLEASE ASSIST. EARLY WARNING IS NOT FOLLOWING THE LAW AND I WOULD LIKE TO LOG THIS COMPLAINT AGAINST THEM.