23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They did not provide any info abut the debit or where this card was open where was used, they threat on me several times that they will size any property they will arrest if i do not answer and pay.The card they said was open on XXXX XXXX and i never been there or a open a card from there
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 confidential 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, 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 instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of the of convictions of crimes which antedates the report of convictions of crimes which antedates the report by more than seven years.

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable agency if the person knows of has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX years old and have used credit all my life including now. I am still actively managing my internet business and operating a small beef operation and use credit all the time. I have a FICO score of XXXX and I have a mortgage and several credit balances that are all in good standing. Recently I applied for an insurance policy with XXXX XXXX XXXX. When they checked my credit background with Trans Union, they were told that I had insufficient credit history. As a result, XXXX XXXX notified me that I am paying a higher premium than I would otherwise be paying. Do I have to wait till I am XXXX with active credit in good standing before Trans Union will have adequate credit history?!? Trans Union will do nothing to help. All they will do is send me my credit report and credit score.
Product: Checking or savings account

I have been a customer of 5/3rd bank since XXXX. Recently I have had business hardships and my account went in morbid state and was closed. I opened my account back up in XXXX of XXXX. On XX/XX/XXXX. I received my tax return that I had waited for since XX/XX/XXXX, it was released due to financial hardship. I took the check which was roughly {$12.00}, XXXX to deposit at the bank in which they told me it would be a XXXX day hold, which was fine. Later in the day I tried to access my account and could not & I was told to come to the bank and speak to a banker about my account. Which i did speedily. When I get there I was then questioned regarding my tax refund check and was told it was fraudulent. I was surprised and caught off guard with these fraud allegations. No one would give me a straight answer or look me in my face, the XXXX said bring your XXXX tax forms and documents in to verify your tax refund check. Immediately I went and printed out my documents and returned, and no one was courteous to me, the XXXX would not even come out her office to speak to me, she actually went and hid. This was very embarrassing & humiliating. I felt like this was really due to me being XXXX american and younger in age. I feel that it was discrimation due to my race. I worked very hard to provide for me and my XXXX brother. To finally get my tax refund and have to go through this is sad to me. I was told my information would be reviewed in XXXX days, and then it would take another XXXX days then it would another XXXX days to be able to access my account. Ive never felt more humiliated in my life. I understand protocol, but the way I was handled here at this bank in regards to my tax refund check is UNACCEPTABLE
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/19 I filed a complaint with consumer financial protection bureau about TransUnion about a freeze on my credit report the credit bureau gave a respond stating there was no freeze on my credit since that time I have applied for credit several time only to find out that there still is a freeze I called TransUnion and ask to have the freeze permanently removed they said they will take care of today I try again applying for credit and there a freeze on my credit
Product: Credit reporting or other personal consumer reports

I am sending this complaint as a follow-up regarding the issue of fraudulent items listed below, which are still appearing on my credit report in violation of federal law. This follows my previous complaint dated XX/XX/2024. I appreciate that some fraudulent items have been removed from my credit file, but upon reviewing my updated credit report, I noticed that some fraudulent items remain, particularly with the Experian credit bureau. Please remove all the fraudulent items from my file. According to the Fair Credit Reporting Act, 15 USC sections 1681, you are required to remove the listed items in the ID Theft report within the legally mandated time frame. The continued reporting of untruthful information is now affecting my credit. Below is a summary of the fraudulent items still showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXt Account # XXXX, XXXX, XXXX, XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Numerous calls have been hung up on. Last person I spoke to was XXXXXXXX XXXX XXXXXXXX XXXX XXXX   through XXXX XXXX refuses to verify that this has been paid off. Calls and emails and they still will not do this and this is impacting my credit.
Product: Debt collection

Collection agency is harassing me over the phone. They call repeatedly, and can provide no information about the debt. They just want my personally identifiable information. The same information that can be used for identify theft. Please make them stop calling my phone.
Product: Mortgage

I remortgaged with Zillow mortgage LLC Zillow mortgage account number XXXX. First payment was Sent in XX/XX/2021 to Zillow mortgage through XXXXXXXX XXXX XXXX XXXX XXXX reports check cashed ). Zillow mortgage sold the mortgage to XXXX XXXX I sent a payment in XX/XX/2021 to XXXX XXXX, they received one payment. I telephoned Zillow mortgage, the worker confirmed that the mortgage had been sold to XXXX mortgage, but did not see a payment. Zillow mortgage LLC has not responded to my complaint. Where's my {$920.00}?
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  account number : XXXX, XXXX XXXX : account number XXXX us dept of ed/XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX. account number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Capital Accounts is in clear breach of the Fair Debt Collection Practices Act ( FDCPA ). 
I received the first letter of notification about an alleged delinquent account on XX/XX/2020. I filed a timely dispute requesting a debt verification letter within the 30-day frame decreed in FDCPA. The dispute letter was received by Capital Accounts on XX/XX/2020. No investigation has been conducted and no correspondence has been received ever since before the alleged delinquency was reported to the credit bureau of XXXX on XX/XX/2020. 
Capital Accounts did not investigate the dispute or provide me with verification of the debt required by FDCPA. Their illegal and aggressive practices need to be stopped and rectified.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I recognize fraudulent accounts that Ive disputed recently that still appear on my account
Product: Vehicle loan or lease

My XXXX Volvo lease was coming due in XX/XX/23. I contacted different dealerships looking for the best deal. Which was no money down, take in my current Volvo XXXX as is for a trade, XXXX XXXX miles a month, tinted windows and have my payment as close to the current monthly payment amount as possible. Two Of Volvo dealerships were able to offer that deal, however they did not have all XXXX XXXX  XXXX. I saw XXXX XXXX cars of XXXX XXXX had XXXX XXXX me and girlfriend XXXX called new car sales manager XXXX XXXX XXXX him on the speaker. Told him what deal we were looking for and what we have for him as a trade. We were very specific and told him that we have two other dealerships that are offering us the deal. We asked him if he was able to match it. He asked us to send him mileage of my XXXX and VIN number. A few moments later we got a text message saying they got some good news-XXXX  will do the deal! We called XXXX again asked him to email us to confirm it. He told us he was a man of his word and will do the deal as he promised. I scheduled to pick the car on Saturday XX/XX/23 XXXX. I arrived at XXXX met with my sales man XXXX XXXX I asked if he needed to see my car and test drive and look at tear and wear he said no. Shortly I went to sign my new lease papers with XXXX. XXXX XXXX and asked if I could get some paperwork from him saying that they are taking my car as trade and that I wont get any bills or invoices from XXXX XXXX. He said not to worry everything is taken care off and I can contact him or XXXX Monday and he will email me what I need. I reviewed the paperwork again in the car and noticed I did not see any XXXX per lease term listed. Went back and spoke to XXXX XXXX said it was XXXX a year. I asked him to call XXXX and fix it. He did. Called XXXX XXXX Tuesday asking for XXXX trade in papers he said he didn't take it as trade and never said he would. We told him we were very upset of his lies and deceit and will speak to someone else. 
Couple weeks later I received the invoice from XXXX XXXX for wear and tear of {$440.00}. Mailed it to the dealership, also emailed to XXXX, XXXX XXXX. No Response. Filed the complaint with Volvo corporate. Nothing.
Product: Debt collection

So you actually did not give me enough options. XXXX XXXX XXXX The company I am trying to call is Elan Financial Services. Its actually very hard to get in touch with them for some reason. No chat option no email, just the phone number. I tried to use the TTY/RTT call option and they just kept hanging up as soon as I start typing but they said they accept relay calls. I even tried it with an operator but they kept disconnecting the call. I dont have any one to talk for me and no way of accepting this settlement offer.
Product: Credit card or prepaid card

On XX/XX/2020 I contacted my Capital One credit card company to dispute a transaction I had made. My dispute was made clear to them, it was with " XXXX '' for putting a hold on the transaction amount {$5000.00} that was to be paid to the merchant. The dispute had nothing to do with product purchased or the merchant directly. 

A few day after filing the dispute and fighting with XXXX I was able to get the funds released solving the problem I was having. I immediately called Capital One to notify them I had resolved the dispute. Capital One informed me because of the dispute the item has been credited back to my account temporarily. They informed me of their process and that the merchant would have to reply to the dispute to cancel it. 

I have made an extreme amount of phone calls to Capital One to resolve the issue with them not giving me a direct answer and the problem not solved. I have spoken to all parties involved in my dispute Capital One, XXXX, and Merchant. It is my understanding that the forms for the dispute are being sent to XXXX but XXXX is not forwarding the forms to the Merchant. Capital One has done nothing to resolve that. 

Back to the dispute I actually filed. Capital One should be questioning XXXX why they held the funds from the merchant. The actual dispute should not go to the Merchant because it was XXXX who was the problem. Capital One should ask XXXX were the funds released? To me that would answer and end my actual dispute filed. 

Capital One and XXXX both have very poor communication skills. They both have policies and they conflict each other. 

Currently the dispute is being still pushed on the Merchant. I speak to the Merchant daily and we both have made calls with no resolution. I also would like to add that I have paid the {$5000.00} back to Capital One because I'm a good customer. Capital One has issued a temporary credit of {$5000.00} and reduced my available with this amount which will cause me a negative impact to my credit score. I  owe them nothing they shouldn't have done that.
Product: Money transfer, virtual currency, or money service

Dear PayPal Team, I hope this message finds you well. I am writing to respectfully appeal the permanent limitation placed on my PayPal account, registered under the email address XXXX. I believe there has been a misunderstanding or mistake in this matter, and I kindly request that you re-investigate my case for the following reasons : Misunderstanding or Error : I firmly believe that the limitation on my account was the result of a misunderstanding or mistake. I have always strived to adhere to PayPal 's policies and guidelines to the best of my knowledge. Any unintentional violations, if there are any, were not deliberate. 

Compliance with PayPal Policies : Throughout my time as a PayPal user, I have made every effort to comply with PayPal 's terms of service, including all relevant policies and regulations. I am committed to conducting my PayPal transactions in a lawful and ethical manner. 

Request for Re-investigation : In light of the above, I kindly request that you thoroughly re-investigate my case. I am willing to provide any additional information or documentation that may assist in clarifying any concerns or issues related to my account activity. It is my sincere hope that, upon review, you will find no justifiable reason for the permanent limitation placed on my account. 

I value the services provided by PayPal and the convenience it offers for online transactions. Losing access to my PayPal account has caused significant inconvenience, and I am eager to resolve this matter amicably. I kindly ask for your prompt attention to this appeal and a reconsideration of my account status. 

Thank you for taking the time to review my appeal. I look forward to a fair and thorough assessment of my account, with the hope of having it reinstated. Please do not hesitate to reach out to me at XXXX if you require any further information or clarification. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Cease and Desist direct communication with me. My attempt to close my account resulted in more frustration, a lack of professionalism, and directed to leave the property. Im done. 

I have over draft protection turned off. XXXX paid XXXX taking my account negative when I do not have an account with XXXX. I am not paying for a service Im not receiving, Chase bank has given away my funds to another business without my permission. I do not agree with the terms of service. XXXX supports XXXX party business and not their account holders. Im done. 

I went into the XXXX XXXX XXXX, XXXX XXXX, CA XXXX branch to close my account. A banker, and Bank XXXX demonstrated one fact. They cant look at an account and tell whats going on. They had to make a phone call to understand whats going on. Totally lost my confidence, and no longer cared what they had to say. The flaky bank XXXX was unprofessional. Refused to close my account, and told me to get out, in not so many words. The bank managers lack of professionalism burn any and all bridges. Im done. 

I have given power of attorney to XXXX - XXXX XXXX XXXX. XXXX is not to contact me for any reason what so ever. I have diverted my payroll deposits away from XXXX. Any and all communications are to be directed to XXXX whom now represents my better interests. 

XXXX XXXX XXXX XXXX Customer Service : XXXX Customer Service Fax : XXXX Customer Service Email : XXXX Creditor Mailing Address : XXXX XXXX XXXX  XXXX, XXXX XXXX, NY, XXXX I will never again do any business with Chase Bank. I am now a customer of a far better banking institution being XXXX online bank. XXXX  values its members, having safeguards in-place to protect its members from unscrupulous charges. Giving its members the power to pay or decline charges, with very minimal fees. 

Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ARE ALL FRAUDULENT UNAUTHORIZED INQUIRIES AND I ALSO HAVE UNAUTHORIZED ADDRESS ON MY FILE AS WELL. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Student loan

I received a bill from Mohela on XX/XX/XXXX at XXXX XXXX. for around five times more than what my loan payment is supposed to be under my income-based plan ( SAVE ). The due date was XX/XX/XXXX -- less than a month from the date of the bill. I am XXXX and have no income, so the payment is based on my husband 's, the XXXX XXXX XXXX XXXX XXXX. But it is currently at nearly 25 % of his pay, even though I am enrolled in the SAVE plan. I had enrolled in the SAVE plan the first day it became available and received confirmation the application had been received XX/XX/XXXX. I have had two concussions and have auditory processing issues and must use the secure messaging system to contact Mohela since I can't use the phone. Starting XX/XX/XXXX, I have sent five messages to Mohela asking them to correct the billing error. The website indicates there will be a response from them within three business days after sending a message. None of my messages have received any kind of response. I filed a complaint with Mohela on XX/XX/XXXX and with the XXXX on XX/XX/XXXX and have not yet received any response except a request through the XXXX to fill out a privacy release, which I did. My payment is now past due because I could not pay the erroneously high amount, which was due only because of the loan provider 's error. Mohela 's refusal to provide accessibility in communication is discriminatory and ableist.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting this CFPB Complaint to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries inaccurate personal information are being reported to my personal file. The Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these items from my credit file. I need the following items removed as soon as possible. 
TRANSUNION : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : Experian On XX/XX/2020 Experian showed my credit score dropped 25 points with NO negatively impacting factors occurring. I attempted to contact Experian by phone, although Experian goes to extreme lengths to avoid talking to anyone. Experian has it set up so that it is impossible to call Experian and talk to anyone. Experian requires all contact be in writing and accompanied by a mile high stack of documents which they state that they may or may not accept upon reciept of, and then after which they will eventually respond to you in writing with their opinion, without any back and forth problem solving dialog. Experian aggressively solicits their credit score booster feature with a monthly paid subscription with them. My credit score reduction that exists ONLY with Experian and not either of the other two credit reporting agencies ( XXXX and XXXX ) appears to be an unfair tactic to persuade consumers into paying for Experian 's product named " credit boost '' by lowering consumer 's credit scores without any reason at all. These are unfair tactics that very negatively impact consumers who have no recourse but to pay Experian XXXXredit score improvement ransom money. Please Help!
Product: Debt collection

Transworld called in XX/XX/2023. Requested details of the alleged amount. Nothing was received. 
Transworld called XX/XX/2023. Requested details again. Nothing given over the phone. They will not send details. 

They indicate they are collecting for XXXX XXXX XXXX. My wife contacted the Hospital and we have no outstanding bills with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is reporting an inaccurate information in my credit report. I have disputed the inaccuracy contained in my XXXX XXXX XXXX XXXX Account on many occasions but Trans Union simply send me a letter that states account verified as accurate without providing me with the description of the procedure used to determine the accuracy and completeness of the information contained in my credit report as required by the FCRA. 
I have requested the description of the procedure used to determine the accuracy of this account from Trans Union on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but have not received anything back at the time of filing this complaint. 

Trans Union is therefore in violation of 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) which states : a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available