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

Purchased a car on XX/XX/2020, asking price was {$7100.00}, {$1500.00} down payment. After two weeks of having possession of the car, I hit a deer and my car was totaled. I have XXXX XXXX. XXXX paid Westlake Financial {$8400.00}. ( More then what the car was worth ). I had Warranty and XXXX XXXX. Westlake claims I owe additional XXXX dollars. I was told XXXX XXXX was supposed to pay any difference in the loan. Warranty was to come back to me. Westlake demanded the warranty money be sent to them and I end up with nothing. This is not right. Westlake is double dipping and getting way more then they should be. Every time I call, I get disconnected or hung up on, I call back and unfortunately, I dont get someone who speaks English. I then get transferred and hung up on repeatedly.! I have been trying to get this resolved. I have spoken to the warranty department, I have spoke to the Auto Dealership who also agrees, what they are doing is not right. I need help and no one at Westlake will respond to my calls.
Product: Credit reporting or other personal consumer reports

regarding old claim # XXXX Company name XXXX XXXX did a soft pull on my credit report on following dates : XX/XX/24, XX/XX/24 and XX/XX/24 After filing a claim on Clarity for violation of unauthorized soft inquiry pull which is an unlawful invasion of my privacy and an infringement on my rights, even if no direct financial harm occurred, as the law prioritizes consumer privacy and security. Relevant Laws : 15 U.S.C. 1681b ( FCRA ) : Limits access to a consumer 's credit report to specific, permissible purposes. 15 U.S.C. 1681n.

Now, this company is requesting I provide and send them sensitive personal material of myself. Requesting I provide them with following : ( picture attached of them requesting sensitive material ) : FULL NAME INCLUDING MIDDLE INITIAL : SOCIAL SECURITY NUMBER : COMPLETE ADDRESS : DATE OF BIRTH : COPY OF GOVERNMENT ISSUED IDENTIFICATION : COPY OF UTILITY BILL This company has violated my rights and now requesting I send them all these information and documents. 

I have attached my info with CFPB and not direct to Clarity as i do not know how they got my information and no approval from me to do any soft pull on my credit multiple times. Provided are information of what they have requested.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 use 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 XXXXI XXXX # XXXX 15 U.S.C 1681 section 602 A. States : I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any Consumer Report containing any of the following items of information or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Product: Credit card or prepaid card

I advise I can not use the card to make purchases because I attempted to make a payment on their app today, and it directed me to call them. They will not do anything with my account until they send me a reference number. They would also not allow me to add the card to the XXXX app ( its the Citi Costco card ), or add it to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

2. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX, XXXX, # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Approximately 1 year ago my personal computer at home was hacked when I was trying to set up a new XXXX printer. The person that i was speaking with tried to sell me some security software for over XXXX. I declined. He did assist in setting up the printer -as soon as I tried to set up the printer a number poped up on my screen and said to call for further assistance. I called the number- he did assist by taking over my computer and I thought it was XXXX ... .during the call he offered me t his software for over XXXX I declined. several days later my back account at XXXX XXXX XXXX XXXX was hacked for several hundred dollars. I was able to close that account and did get my money back. Several months later I received a letter from a collection agency ( I no longer have the letter XXXX stating that I owed XXXX XXXX. I contacted XXXX via email as they don't have a contact number. I was told that someone purchased something for XXXX and when they tried to collect that money from me- my checking account had been cancelled. So they sent me to a collection agency for XXXX they advised me to contact the company where the fraud person purchased something- I tried to locate that company and that was Fraud also. I contacted the Credit Agency and the gentleman was very nice said I am going to send this back to XXXX and tell them it is fraud. So I figured it was taken care of. Now I have received another letter from a collection agency called Dynamic Recovery Solutoins XXXX XXXX XXXX. XXXX, SC for the same XXXX XXXX  debt. I contacted them and they told me I had to file a police report which I did today. This is fraud. I do not use XXXX anymore and I never purchased anyting for XXXX from them
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have noticed some unauthorized inquiries appearing on my credit report I have listed the inquiries below and uploaded supporting documents. 

1.XXXX  XXXX XXXX XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXXXXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XX/XX/XXXXXXXX 7. XXXX XXXX XXXX XXXX
Product: Debt collection

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX, Upstart, and XXXX XXXX have violated my rights. 

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : XXXX ( acct ending XXXX ), Upstart ( Account # XXXX ), XXXX XXXX< have reported as having a late payment my credit report I am demanding that this account be updated to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these mentioned derogatory items be investigated and permanently removed from my report. 


I'm asking you to investigate these errors and remove any information that can not be verified.
Product: Debt collection

In XX/XX/2023 I received a debt collection statement from Levy & Associates. ( attachment 1 ) I responded with a request for more information to verify the debt ( attachment 2 ). On XXXX XXXX I received a packet ( attachment XXXX ) in the mail from Levy & Associates in the mail with two card statements included along with an XXXX consumer Employment and Income report for a XXXX XXXX that includes this persons last XXXX of their social security number and their date of birth. It also included a screen shot for XXXX XXXX showing that XXXX XXXX was setting up direct deposit as well as XXXX XXXX pay check stub. To make matters even more concerning The final page of the packet that Levy and Associates sent me included a photo copy of XXXX XXXX 's photo ID including Drivers license number and full address. 
I have attempted to contact Levy & associates to discuss this extreme error and they would not discuss because I would not confirm my address or my social security number so they disconnected tthe call.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information, potentially my DOB amd SSN have been compramised as part of the Equifax Data Breach known by Equifax as of XX/XX/XXXX.
I was not notified that my data was at risk and am now forced to take actions preventing theft of my identity for the rest of my life.
Product: Credit card or prepaid card

The debt was entered into my bankruptcy ; however its showing up as a separate debt on my credit report with an outstanding balance due. Page 14 on the attached document shows that it was included.
Product: Credit card or prepaid card

XXXX XXXX is the company that handles my XXXX XXXX XXXX XXXX XXXX payment account. This was set up about a year ago. Each month, approximately {$3000.00} is deposited into the account in the form of XXXX XXXX XXXX  benefits. On XXXX XXXX two deposits were made and by XXXX XXXX approx {$2700.00} had been electronically transferred to another account. This was an immediate transfer and was NOT authorized by me. I believe there was a breach in their security. I have tried for days now to get XXXX XXXX to work with me on this. I wait for approximately 20 to 30 minutes to get a representative. Once I get one they say that they will transfer me to " level 2 '' and I am then disconnected. I have spent approximately 4 to 5 hours on the phone and they are telling me that other than continuing to call back there 's nothing they can do for me. My account has been completely wiped out. I did not authorize this transaction and the company is making zero attempt to help me resolve this issue. I 'm unable to pay rent or bills until they help me resolve this. The only thing they have done thus far is cancel my account and tell me it 'll be at least 10 days until a new card comes in the mail. In the meantime, I do n't have access to anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made written request to XXXX to remove any credit or identity freezes from account over one month ago. They have not replied and the freeze is still active. I applied for a loan at Drivetime through XXXX XXXX, the only thing holding me back is there request for my social security card because of a credit freeze that I told XXXX  to remove. The social security card I presented was the original I was issued after birth, and because it doesnt look like the new SS cards, I have wrongly been denied credit.
Product: Prepaid card

XX/XX/year> I received in the mail a Netspend XXXX XXXX XXXX XXXX XXXXXXXX that I had not requested. I search the internet and found a phone # XXXX & tried to cancel on-line, when I put the number in it stated that the account has already been activated. 

I have never heard of this company & would to like to report this a identity theft
Product: Debt collection

This is XXXX XXXX with new & updated information about my previous complaint XXXX. National Recovery Agency is still continuing to violate FEDERAL LAW.

I am invoking my specified remedy as the true original creditor pursuant to 15 USC 1692c ( c ) ( 3 ). I am demanding National Recovery Agency to cease & desist all forms of communication through any & all mediums immediately pursuant to 15 USC 1692c ( c ). Failure to comply with any provision listed may result in legal action pursuant to 15 USC 1692k.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a credit rating dispute with Experian, XXXX XXXX and XXXX   concerning the derogatory rating I received from XXXX XXXX XXXX  ( XXXX  ). On XX/XX/XXXX, I appeared in the Superior Court of California XXXX County of XXXX Small Claims Court as the defendant in the case of XXXX XXXX XXXX XXXX XXXX. DBA XXXX XXXX XXXX , case number XXXX, because The XXXX XXXX failed to fulfill a contract as agreed for a bathroom remodel. I had been in dispute with this company since XXXX, XXXX. The contract for the remodel was financed through XXXX. In XX/XX/XXXX, I notified XXXX that I would no longer make payments on the loan until the work was completed as agreed and provided them with a XXXX XXXX Customer Service Case number. After many months of attempts to resolve the issues, I was forced to file suit. I received the Notice of Entry of Judgment and provided this information to XXXX. While in dispute, XXXX charged the account off, which is a derogatory rating. I have sent a copy of the Notice of Entry to XXXX, as well as disputed the rating with the three credit bureaus, XXXX XXXX, Experian and XXXX. XXXX has refused to remove the derogatory rating. On XX/XX/XXXX, I received a check from XXXX XXXX XXXX Legal Division in the amount of {$890.00}, along with a request to file a Satisfaction of Judgement. However, as of this date, the contract has not been cancelled and the balance of the account has not been credited nor the rating removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting fraudulently on my report. The scores they provide are 80 points lower than my XXXX report. I have opened credit accounts in the past few months to boost my scores, but from what I see XXXX and equifax are reporting in favor of ensuring that my scores are enabling financial institutions to charge a higher interest rate, even though I pay every balance before I can be charged interest. This is what I consider as fraudulent reporting to allow banks to charge higher rates, even though my payment history is pristine. 

These agencies must be held accountable. I expect the CFPB to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion  XXXX / XXXX /  XXXX   about unauthorized inquiries on my credit and mentioned the early exclusion to have it removed from my account. I was told I could not dispute it or use the early exclusion on my hard inquires that I never authorized, when I have done so before.  XXXX   XXXX  out of  XXXX  could n't give a reason why and never answered my questions directly.  XXXX   XXXX  the supervisor also was very rude and could n't give me direct answer and also refused to give me the number to the supervisor in the United States so I could get my questioned and and possibly resolved, because it seem like they were avoiding the answers to my questions.
Product: Student loan

My federal student loans were recently placed in an unrequested administrative forbearance due to changes to the SAVE IDR plan. On XX/XX/year>, I received an email from MOHELA that stated " [ y ] ou will receive credit toward IDR forgiveness and Public Service Loan Forgiveness ( PSLF ) for the month ( XXXX ) covered by the forbearance, assuming all other requirements are met. '' Today an article published by the XXXX XXXX XXXXXXXX stated " [ i ] nterest will not accrue during this period, but the months in forbearance will not count as qualifying payments toward loan cancellation through SAVE or the Public Service Loan Forgiveness program. '' I would like written clarification on which statement is accurate and if months in administrative forbearance count towards PSLF, I would like confirmation which months could count towards forbearance ( assuming submission of an updated employer certification form ). If the months of the upcoming forbearance will not count towards PSLF, I would like to know what my options might be for me to pay my loans during this period and for the administrative forbearance to be removed ( although I do not want MOHELA to remove the forbearance without first explaining my options and allowing me to choose what is best for me ). I feel that the forbearance is largely unnecessary for me and will be detrimental because I might be losing PSLF months for an indiscriminate amount of time, and as nearly 100 % of my student loans were graduate loans, I am not getting the benefit of a heavily reduced monthly payment rate out of this forbearance. If this administrative forbearance will not count towards PSLF, I believe I am being negatively impacted.
Product: Checking or savings account

I opened an account in XX/XX/year> because the interest rate advertised was at or near 5 %. There were some requirements such as a minimum balance and setting up direct deposit, which I met all the requirements for the highest interest rate and no other action was specified as needed to obtain the highest rate. Since then, I've been offered an interest rate near 3.9 % instead of the highest interest rate that I should have qualified for ( about 5 % ). 

I discovered the error, reached out XXXX times to the bank requesting a phone call, and requested information for why I was not given the highest interest rate. I never received an adequate answer. I lost approximately $ XXXX due to the bank 's error or XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is reporting a closed account with XXXX XXXX XXXX XXXX that is over 7 years old.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I applied for a Home Depot credit card on line through Citi Bank. A credit report was pulled and I was denied due to the fact I didn't have an active cell phone at the time for some sort of verification. This policy was not disclosed at the time of my application thus pulling a Fraudulent credit report by Citi Bank. I was instructed to go to the store for verification and processing. On XX/XX/18 I did so and was approved for a {$500.00} dollar limit. My purchase was for a higher amount and I requested a credit line increase at the time. The operator at Citi Bank said she would have to look at my report to make a determination. I was told multiple times that the conversation was being recorded. I told the operator that if it required a second credit report being pulled that I would not be interested in the increase. She assured me that this would not be necessary. My credit line was increased to {$2500.00} and the next day was informed by XXXX XXXX that I had a second report pulled. I tried a dispute with XXXX and twice with Home Depot/Citi Bank and was told that it was accurate and that there was nothing that could be done about it. I contend that Citi Banks credit process is Fraudulent and they pulled 2 credit reports against my direct verbal recorded instructions. This is another example of a big bank running over a small consumer.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX there was transactions fraudulent under my account and when I reported them they reversed some transactions. I told them I didn't want them to process these ACH transactions which they worked on it for a year. Due to religion vacation I was not aware of my transactions, until this occurred again. I called again to report them and again in XX/XX/XXXX to report this for 2 months and the bank would still approve them, my account was even overdraft to a point. It is unprofessional on the fraud department how they handle this fraudulent transactions. They are not under my name nor I recognize the institutions. I don't live in the state so I don't get bank statements. I have transactions alert on and I don't receive them nor on my phone or email. 


I ALREADY RESPONDED TO ALL THE BANK LETTERS https : XXXX Im not the only one the bank is a fraud they scam money from their clients, and not giving them back i dont know what to do the consumer financial prootection bureau you suposed to be on my side why you close my case its the 5th time I open the case I want my money back I do not care what the bank said if my money is in the bank it should be secure, not so easy to cash out without my autorization I do not care
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTACHED IS A LETTER SHOWING MY REASON FOR A MISSED PAYMENTS AND REQUESTING IF A GOODWILL ADJUSTMENT CAN BE MADE.
Product: Money transfer, virtual currency, or money service

In XX/XX/2022, after over two decades of using my PayPal account without any issue, PayPal suddenly limited my account permanently -- banning me from using the service. They won't close my account and won't allow me to ever set up a new account with them. Many requests to them over the last year have resulted in zero details on why they felt my account should be limited -- they continuously claim they don't have to reveal their reasons. I have confirmed I did nothing that violated the user agreement/acceptable use policy. I wasn't even a seller on the platform -- just purchased goods, traded with friends/family, and gave gifts/donations. They will not allow any appeal or opportunity to address concerns. They won't permanently close the account. A request to then delete all my information and data from their system was denied- they stated that their policy allows them to keep my data around for a decade.