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

Under the Fair reporting Act my rights have been violated in disclosure of debt and acurrateness provided by furnishes Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These debts are violating my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

Hyundai Motor Finance/Hyundai Capital America has falsely reported my account as 30 days late, when I am only 12 days behind. This has brought my credit score down tremendously. Could you please remove the late payment against me on my account, as I am not behind by 30 days or more. I asked for a payment deferment, as I am recovering financially from a medical emergency bill, while simultaneously relocating, and this hit to my credit score will greatly hinder my chances of getting approved for a new lease. Please update my account to reflect my fair and accurate account history to XXXX, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : EXPERIAN BUSINESS CRED has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

Resources
Product: Student loan

My repayment amount had increased by {$300.00} appr. 2 months ago. When I called to find out why I was told that I requested consolidation for all of my loans, even ones that were not in repayment. I never submitted such an application. I was also informed that I was no longer enrolled in the public servant loan forgiveness program despite making substantial loan payments in this program. The company has done nothing to address this complaint.
Product: Debt collection

My XXXX XXXX and I separated in the year of XXXX. I paid the bills up until XXXXXXXX XXXX XXXX I was out of the house at a completely different address. The payments started to dish were coming from another source until she flat out stop paying. I sent in legal court documents to show I was not in the house. We then made an arrangement for me to collect the equipment and send it back. I did so and have never received credit or any type of compensation for return of everything they asked for. I have sent in everything I can to dispute this and its been over 5 years and according to them this took place of XXXX as in delinquent non payments. Our XXXX  was finalized in XXXX making clause that I wasnt even in the house when they decided to put me in collections. After I sent the equipment. I dont know what the XXXXXXXX XXXX is for so I can not claim that one this money. I do not owe a thing to anyone but a small bank loan. This is destroying my credit and its the last thing I need off my credit report so I can finally have a house of my own at XXXX  years of age after excruciating XXXX. I ask you to please take into consideration. I have been paying for my XXXXXXXX XXXX  subscriptions after I moved out since XXXX not including XXXX XXXX. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX refuses to remove inaccurate reporting from my consumer report knowing they are in fact reporting inaccurate information. I have attempted to resolve this manner several times. can you please investigate why they refuse to follow the laws of the FCRA. Attached is the information being willfully reported on my consumer report. Account number XXXX The law states the Following : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit card or prepaid card

We purchased a mattress from XXXX XXXX that has been defective and we have had it less then a year. The mattress company unfortunately has gone out of business. Probably because they are terrible quality. I have sent the mattress back and I filed a dispute with Wells Fargo credit card on XX/XX/XXXX and they still havent updated anything on it and its now XX/XX/XXXX. I understand things may take a while but I dont understand why its taken this long.
Product: Mortgage

On XXXX XXXX, XXXX  my wife and i applied for a va mortgage with Optimum First mortgage. All the necessary documents were submitted to them in a timely manner. via email our loan officer XXXX XXXX stated our application was completed. However, we never heard back anything after that. in fact, XXXX XXXX was responsible for overseeing our loan and it wasn't until i spoke with his immediate supervisor who stated he would call us back that we even heard anything. However, we heard back from XXXX XXXX who told us that we needed to sign a single document and then we would know about our loan. the document was signed and submitted that same day, but still our application has not be resolved. Days continue to turn into weeks and still no response.
Product: Money transfer, virtual currency, or money service

Western Union 's system did not honor promo code. 
I applied a code for free transaction fee and the system accepted it but then I received an email with the transaction fees applied. 

I tried contacting Western Union by phone, chat and sent email to their webcare email to get transaction fee refunded and was denied. 

XX/XX/10 Date of transaction Amount of Transaction XXXX Fees- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report Identity Theft that has been going on for years without my knowledge. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I have never opened up or authorized. I did lose my wallet back in XXXX. I had my drivers license along with my social security card in my wallet. Someone has been using my identity without me knowing. I never opened an account with the follow companies ; XXXX Opened XX/XX/XXXX for {$210000.00}, XXXX Opened XX/XX/XXXX for XXXX, XXXX XXXXXXXX Opened XX/XX/XXXX for {$300.00}, XXXX XXXX  Opened XX/XX/XXXX {$300.00}XXXX XXXX XXXXXXXX Opened XX/XX/XXXX for {$200.00}, XXXXXXXX XXXX Opened XX/XX/XXXX for {$2500.00}, XXXX XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX for {$330.00}, or XXXX Opened XX/XX/XXXX. Ive sent in disputes for these items before. Ive went to the XXXX Police Department in Michigan to get police reports made of the theft, previous sent in CFPB claims, and Ive also filed FTC reports as well which are both attached below. These last accounts have yet to come off
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is inaccurate and has not be Verify, Theres is no legal sign contract by me and company has fail to provide proof of me owning this debt and it needs to be removed
Product: Payday loan, title loan, or personal loan

PayPal tricks people to use PayPal credit with 6 months free interest financing. And there is no warning/nor a date on the website indicates the due. I purchased a camera via PayPal credit six months ago for {$1900.00}. PayPal credit with 6 months free interest financing. And today, paypal suddenly sent me a bill of {$2200.00}. This business practice from PayPal is really terrible. Because I didn't get any email from PayPal prior the six months period ends. Nor I was able to find any date on in my accounts to indicate my due. So I believe PayPal wants to mislead people to charge people more interests. And after discussing with PayPal, PayPal 's customer service is not willing to cancel the fee even I can pay in full immediately.
Product: Debt collection

Philips & Cohen contacted a family friend who is elderly ( XXXX yrs old ), recently lost her husband and is not linked to the debt in any way. They obtained her information via my credit file because her information is linked to me as a co-signer on a personal loan through a local bank that does not have anything to do with the credit card debt through XXXX that they are attempting to collect. I never supplied this person 's name as a contact or gave anyone permission to contact anyone on behalf of my debt. They called twice, the XXXX time when she answered the automated system asked if she were me and she pressed the key to indicate that it was n't me. The next day a live representative called her and stated that she was calling from Phillips & Cohen, she indicated that I do not live there and she does not want to receive any calls from their company
Product: Student loan

An Education Department official confirmed that XXXX XXXX and " XXXX '', a non-existent and unsanctioned group of people parading as a government agency, has gained access to vast databases of students ' personal and financial information. Specific date of data breach is unknown to me, but this was reported by XXXX XXXX on XX/XX/XXXX, XXXX l have never granted XXXX XXXX or anyone that refers to themselves as a member of " XXXX '' to access my educational records and financial data. This is a breach of my privacy and personal data as well as a direct violation of 18 U.S.C. 1030.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I sent Experian a dispute letter on XX/XX/21 concerning several incorrect and inaccurate accounts that are wrongly appearing on my credit report and I haven't received anything back from them via mail or email. Today is XX/XX/21!!!! They have be law to respond within 30 days and it's now going on 60 days AND STILL NOTHING!!!!!! These falsely reported negative accounts are not only crippling my credit score but its causing me to have to pay ridiculously high interest rates because I'm labeled as risky when I'm actually not. This company is not taking me or my stressful situation serious. I even called several times and ask to speak to the fraud department and the customer service representatives were absolutely rude and annoyed with me and my complaint.
Product: Debt collection

This credit reporting agencies has debt and collections on my credit report, I have disputed these things and asked for an itemized bill and or a contract to verify that the debt belongs to me, I have actually reported to these companies several time to verify and send me proof and not one item has came in the mail or have yet to provide the debt belongs to me... still on my credit report a even when asked to remove it
Product: Money transfer, virtual currency, or money service

An unauthorized wire practices with the intention of collecting on a debt the business with not otherwise authorized to collect. 

( SEE ATTACHMENT ; DETAILS, EXHIBITS )
Product: Consumer Loan

I am late on my car payment, that is obvious, but the car company calls daily 6 times, sometimes I will speak with someone and literally 5 minutes later I will get another call from someone else within the same company will call and I will explain that I just spoke with someone, yet they will continue to ask the same questions again, it seems as if they are looking for my reasons to change? They have been verbally asked to stop calling so frequently Additionally I submitted a written request to them through their own internal contact process a copy of this message is attached ; however this has not deterred them at all. The company is Exeter Finance Corp.
Product: Credit card or prepaid card

Around XX/XX/2020 I received email notification of XXXX charges on my Capital One card. I called Cap 1 and went through the usual fraud reporting and the charges were removed and a new card was mailed to me. BEFORE I received the new card I started receiving email notification of charges from XXXX that were mot mine on that card. 

So I checked my XXXX account and none of the fraudulent charges are in my XXXX account. 

I called Capital One and reported the fraud but did not request a replacement because I think somebody has hacked Capital One since the hackers are getting brand new credit card numbers faster than the actual cards can be delivered in the mail. Representatives of Capital  One denied this. 

Yesterday, my girlfriend 's Capital One account was hit with fraudulent XXXX chages. She has never used XXXX and has no XXXX account. 

I think consumers should be notified about the hack at Capital One. It should be public.
Product: Checking or savings account

MY CD matured on XX/XX/XXXX. I called Ally Bank on XX/XX/XXXX to have them transfer the full amount of the CD to my bank account upon maturity. However, they claim we got disconnected during the telephone call since they didn't give me all their disclosures. 

I called them yesterday - XX/XX/XXXX and now they claim there would be a penalty since it is past the 10 day grace period of maturity. On the 11th day i call them and they say they count the days in the grace period and include the date of maturity in their calculation? 

Please have them send me my money to my bank account from my CD without any penalties!!
Product: Mortgage

It is impossible to speak to a human being. I need to speak to a human to resolve my issues. Every time I am transferred to a human I am all of a sudden disconnected. Other times the call is transferred and it goes to an invalid extension.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint for the 4th time to follow up the addressing of the specific inquiries in my file that have resulted from identity theft. I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or been involved in, regarding the acquiring of goods, services, or money. I kindly request the XXXX, Equifax, and XXXX Credit Bureaus will remove and block these specified remaining inquiries as a result of the alleged identity theft : XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XX/XX/XXXX. Once more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided in some of them. It should be noted that certain inquiries have already been deleted by other bureaus, raising concerns about their reported history in accordance with FCRA Section 605B. Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I did zelle by mistake funds to a wrong person. 

Wrong person number XXXX Wrong person name- XXXX XXXX XXXX XXXX. 

Correct person- XXXX XXXX Correct Number - XXXX. 

All I want refund my funds ( XXXX ) back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter To Verify The Accuracy On my Credit Report on XXXX-2021. I Also sent out a demand a comply letter as well. It's been over 30 plus days in have not had a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof. So I demand for the item to be removed.

Also under 15 U.S. Code 1681 - Congressional findings and statement of purpose.

( a ) Accuracy and fairness of credit reporting. I don't feel i am being treated fair.

Accuracy mean that all value are deem correct and Accuracy is measure of value.

Fairness means no one is taking unjust advantage of another. I fell they willfully and knowingly that they are reporting inaccurate information and committing fraud.

( 1 ) 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.

Its hurting my Confidence and i am the natural person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # 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 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions
Product: Credit card or prepaid card

In late XX/XX/2021, I mailed a certified check ( # XXXX ) to Barclays in the amount of {$5800.00}. I waited about 2 weeks until I began to worry that the check had not been credited to my account. At that point I called Barclays about the check but they said they had not received anything. At that point I thought maybe the check was lost and that I would just get it reissued by the title company through which I had completed a refinance with. After calling the title company which issued the check, they confirmed the check had cleared. I then called Barclays again to inquire about the status of this check I had mailed them. The Barclays agent told me they had created a dispute and that I would receive a response from them in the mail. On XX/XX/2021 I finally received a letter acknowledging my dispute and requesting documentation for them to investigate. This was the one and only communication I have received from Barclays in 5 months of reaching out to them. I needed to request this documentation from the title company which issued the check which took some time. After receiving copies of the front and back of the check, I sent these certified mail to the address listed on their dispute acknowledgement letter around early XXXX. It has now been 2 months since I have mailed, called and emailed them and have not received any response from them at all regarding the check.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX, I don't have a contract with Collection Consultants of CA. 
They did not provide me with the original contract, bearing my signature as requested. 

I have never signed a HIPAA release form with the following alleged creditors : Collection Consultants of XXXX  XXXX XXXX XXXX Therefore, these are inaccurate HIPAA violations and I want these immediately deleted. HIPAA laws protect my personal medical information from being used without my consent and you are now aware of these HIPAA violations. 

Delete immediately.
Product: Checking or savings account

I am trying to obtain statements from my bank to show I paid taxes. I need these documents to prove I paid taxes so I can buy a home. My closing date is XX/XX/22 and this is the only thing holding up my file. 

I have tried to contact TCF Bank multiple times and been to the branch, but they are unable to provide me with my previous statements showing I paid my taxes. I know under the FDIC, they must keep documents especially from the past few years. 

My bank was originally Huntington Bank but then TCF bought them. They have pulled up one statement but keep making excuses on why they can't generate my previous statements. They keep referring the info in some type of storage or vault. If I do not get this documentation, I will lose out on this house. I just want them to provide me with the correct statements showing my taxes have been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$120.00} XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX Balance : {$120.00} XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XXXX Balance XXXX {$2600.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$120.00} XXXX  XXXX Balance : {$4700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to
Product: Credit reporting, credit repair services, or other personal consumer reports

i had recently called Equifax inc. to remove a fraud alert from my Equifax profile. after following all the guidelines of answering security questions correctly and my personal information such XXXX social addresses and authentic codes. the costumer service rep i was speaking asked me how many disputes i had with Equifax. i replied I'm not sure and how is this a valid security question to remove the fraud alert from my profile. after briefly explaining to the customer services rep i would not know the answer to that question being i have hired a professional company in the past for disputing inaccurate information on my consumer reports. the customer services rep stated by me not knowing the answer to how many disputes i have with Equifax inc. that they will not remove the fraud alert and will be extending it. this caused me to be denied credit card offers and loans and applying for lines of credit. i will be filing a federal complaint as well against Equifax inc. for denying me the right to remove something i placed on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian on Monday XX/XX/2021 starting at XXXX XXXX  EST regarding unauthorized inquires that have appeared on my credit file through the last 2 years ( XXXX ). Each representative that I spoke with and the supervisor were unwilling to help me.