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

Purchased new XXXX XXXX at dealer, used Hyundai financing for new loan, paid off loan in full XX/XX/2011, never received original certificate of title or lien release. Have been contacting them for a lien release for a week now everyday, they promise to fax within 24 hours and then nothing is received.

Hyundai collects a title/lien release/return fee and then fails to deliver in a timely manner or at all.

We have lost a few buyers for our car since we can not provide a clean title, even though Hyundai readily admits the loan is paid in full and nothing is due.

Hyundai customer service is lying to us by having a different story each time we call to inquire about the lien release. If Hyundai can make a new loan electronically in 30 seconds why cant they release a lien in over four years?
Product: Debt collection

Social Security is reported inaccurate things on my credit report and my information was leaked and the data breach XXXX XXXX XXXX XXXX  XXXX XXXX  was paid but reporting as negative XXXX XXXX XXXXXXXX XXXX XXXX is
Product: Credit reporting

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reserved a hotel room for XX/XX/XXXX. It was supposed to be reserve now and pay later but the hotel charged me. I canceled my hotel and received an email saying I would be refunded in full. well 2 weeks later no refund. Hotel couldn't give me info on the refund, so I put a dispute in with Navy Federal to get my money back since I had documentations of the refund. My credit score dropped XXXX points. The credit bureaus said Navy Federal added a remark to my credit card that it was fraud. I did not report my whole credit as fraud. I have disputed many charges since XXXX and it has never dropped my score. I called Navy Federal, and they said it wasn't showing on their end. I need this remark removed from my credit report. There's no reason my score should have dropped almost XXXX points for trying to get my money back that's owed to me when it's not fraud.
Product: Student loan

Multiple times more money than pre arranged has been taken out of my checking account not allowing to pay other bills and when trying to set up reasonable payments I have been told the amount I can pay a month is not enough and if I do pay I can never afford to pay more than the interest off so I never bring the principal down
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending numerous sets of letters to Equifax so the excuse of we didn't get it '' doesn't happen but then nothing happened. It seems that they tend to ignore the trend and let this misleading account affect my credit score. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the account : XXXX XXXX XXXX XXXX
Product: Prepaid card

I ordered XXXX {$500.00} Visa gift cards from vanillagift.com on XXXX XXXX. My order number is XXXX. I was supposed to receive my gift cards today ( XX/XX/year> ) via XXXX XXXX XXXX. I picked up the package from XXXX a couple of minutes after it was delivered to my porch. When I received the package today, I got an empty XXXX  package with only a receipt. All 9 gift cards were missing from the package. 

I called Vanilla Gift customer service, and they opened case XXXX, and I have submitted the requested documents. They told me it could take 30 business days before I get my replacement cards. I did not feel confident in the representative who created the case, and I am worried that someone has my cards, and the funds have been drained. It should also not take 30 business days to receive my replacement cards when this should be a simple reissue and re-mail of the cards.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a vehicle and was financed through a third party Honda Financial Services. On XX/XX/XXXX I sent an affidavit to this company. I have not received a response as of XX/XX/XXXX. I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Pursuant to 15 USC 1692a ( 6 ), XXXX OF XXXX is a debt collector. I as a consumer am aware that an unrebutted affidavit stands as truth in commerce. Within this contract I noticed a few federal law violations pursuant to XXXX and XXXX. 

XXXX OF XXXX have used my Social security Card aka " credit card '' as defined under 15 USC 1602 ( i ) '', to collect funds for their own benefits, and transfer it to me as a loan, without having any authority for such use, which is an unauthorized use under 15 USC 1602 ( p ), XXXX OF XXXX never revealed the name and address of the original creditor in ANY of the alleged loan document. The first item was that the finance charge did not include the sum of all charges directly violating 15 USC 1605 ( a ) as defined. In this contract the amount that is suppose to be the finance charge per law is described as the total sale price. I was also mislead to believe that this company required me to provide a cash down payment ( in the amount of 1000 US DOLLARS ) in order to be approved for this loan which is in violation of 15 USC 1662.

Pursuant to 12 CFR 1026.23 ( a ) and 12 CFR 226.15 ( a ), I HEREBY RESCIND the consumer credit transaction granting any security interest to XXXX of XXXX willfully and knowing misrepresented the " Truth in Lending Disclosure '' to create false and misleading representation about the use of credit, therefore XXXX of XXXX and its agents are civilly and criminally liable under 15 USC 1611 and 15 USC 1640. 

The notice provided in this contract was also incorrect pursuant to 16 CFR 433.2. With these discoveries pursuant to 15 USC 1692j this contract is false and deceptive. Also no right of rescission forms were provided to me which is a direct violation of 15 USC 1635a.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$660.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$14000.00} XXXX ( Original Creditor : ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX : {$8600.00} XXXX XXXXXXXX Balance Owed : {$5900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX Balance Owed : {$110.00} ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$64.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested validation of the Bankruptcy XXXX XXXX that Experian is currently reporting inaccurately on my credit report. They also have accounts : ( XXXX XXXX XXXX  ) stating included in chapter XXXX bankruptcy as well. 
These are just some of the file numbers of requests I have made to Experian to remove the inaccurate information on my credit file ; XXXX, XXXX and XXXX. With all of these complaints Experian responded stating " the account as verified as accurate by the creditor. 

I have disputed that the inaccuracy consisted : incorrect date of filing and resolved. I have disputed the chapter XXXX bankruptcy as being inaccurate. I disputed the entire information on credit file with the bankruptcy was inaccurate. 

I have included a copy of the bankruptcy with dates that they claimed they verified and the type which they claimed they verified and with the dates of discharge which they claimed they verified multiple times. 

The inaccurate reporting of my credit file was the reason for my denial for the home I was trying to purchase for my retirement this coming XXXX!!
Product: Checking or savings account

I got an email from Chase saying that my number has been deleted. I tried to log into my account on the Chase app to see what's going on. The app tells me that my account has been restricted for " suspicious activity '' and prompts me to call a number.

I made sure the number is legitimate and called. The fraud department of Chase said they restricted my account and they're about to close it and the decision is irreversible. I called about 10 times and talked to 10 different employees, and even went to the local branch, none of them know why Chase closed my account.

They also said I can never open a Chase checking account again and I'll receive the money via mail within 20 days. I have absolutely no idea why they would close my account or why they wouldn't give me a reason as to why they closed it.
Product: Credit reporting or other personal consumer reports

I have suffered identity theft and power of attorney fraud by the following companies. Pursuant to XXXX XXXX XXXX XXXX XXXX a United States Court of Appeals for the Ninth Circuit in 2001 ruled and emphasized that for a creditor to rely on a consumer 's consent, it must be informed and voluntary. Mere inclusion of a consent provision in a contract does not automatically establish informed and voluntary consent. The nancial institution must demonstrate that the consumer explicitly provided consent, indicating their understanding and agreement to have information reported to credit bureaus. Pursuanbt to FCRA 605b and 15 USC 1681 c-2 i demand the acount be removed and blocked from my reporting or you may be held liable for noncompliance pursuant to 15 USC 1681o and 15 USC 1681n
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the recent permanent limitation placed on my PayPal account, associated with the email address XXXX. 

Firstly, I believe that this limitation may have been imposed in error. I have diligently adhered to all PayPal policies and guidelines since opening my account. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action.

I kindly request PayPal to thoroughly re-investigate my case. I believe that a careful review will reveal that I have not violated any PayPal policies or terms of service. My account history should attest to my commitment to maintaining a clean and compliant PayPal account. 

I understand that PayPal takes security and compliance seriously, and I appreciate the need for vigilance in protecting the platform and its users. However, I firmly believe that this limitation may be a result of misunderstanding or incorrect information.

I kindly ask for your prompt attention to this matter. My PayPal account plays a crucial role in my financial transactions, and its permanent limitation has caused me significant inconvenience. 

I am more than willing to provide any additional information or documentation necessary to facilitate the review process. Please let me know if there is any specific information you require from me. 

In conclusion, I respectfully request PayPal to re-evaluate the limitation on my account and, if possible, to restore it to full functionality. I am committed to resolving this matter amicably and in full compliance with PayPal 's policies. 

Thank you for your time and consideration. I look forward to a prompt response. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

delay in processing application and after 45 min and talking to 3 people, i was denied a credit card from Citibank application ID XXXX i feel like Citibank discriminated against me because im XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION IS IN VIOLATION OF 603. Definitions ; rules of construction. This company refuses to take off accounts that have been deleted to ensure accuracy of my consumer reports. I will provide proof of deletions below.

[ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ].

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

In accordance with the Fair Credit Reporting act XXXX Account 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: Credit reporting or other personal consumer reports

I have never used the services of this company I am a victim of identity theft for the last 10 years and the information reported by this company under my name social security number and birth date is inaccurate and does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is reporting a public record that allegedly belongs to me. When I requested my file, I noticed the the reference number was tied to a social security number that was not mine. I asked LexisNexis to verify and they stated that they did. I then requested the method of verification and they sent records of what was in my file but not how it was verified. I sent a letter from the courts stating that LexisNexis had not verified any such public record with them nor started any motions to obtain such records. This public record remains in tact due to a third party verification and I'm not sure what exactly they looked at because when I used the same method they used to " verify '' my search yielded no results for my full name and the last 4 of my social. Providing LexisNexis with the PACER results and a letter from the courts was still not enough to correct the error on my file. The public record still remains, and my consumer rights to request information have been violated continuously by this organization.
Product: Credit reporting or other personal consumer reports

Dear CFPB, XXXX and Teletrack have provided XXXX XXXX with my personal and private information without my knowledge or consent. 15 USC 1681 604a section 2 provides In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. I have never given XXXX or Teletrack consent to release my consumer report to XXXX XXXX. I have never applied, had, or held any accounts, loans, or association with XXXX XXXX. 
Furthermore, this information has been posted on my XXXX Consumer Report since 2019, in complete violation of FCRA which provides that inquiries posted on a consumer report for not more than two years. XXXX and Teletrack did not have my consent to release my information to XXXX XXXX and they surely do not have my written consent. 15U.S.C. 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title. XXXX is not maintaining reasonable procedures.
Product: Debt collection

I took out a payday loan on line from USA and paid it back through my checking account via direct debit. I started to get threatening phone calls and eventually a XXXX XXXX called stating he was an attorney calling to inform me that my case was being filed in court unless I settle for {$550.00} on XXXX XXXX XXXX. He had me to purchase a XXXX card and fax a copy of my ID along with a note stating the last XXXX of my SS # and that I was making a payment in the amount of {$550.00}. The XXXX cards I purchased was XXXX with and exp date XXXX and XXXX on the back and a XXXX exp XXXX and XXXX on the back. Now XXXX called my home phone stating that my case with a ref # XXXX will be filed in court unless I settle for {$300.00} or set up payments over 6 months for {$74.00} to settle the debt out of court. He stated he was calling from arbertration and he transferred me to the payment dept to set up the payment. He caught me off guard and I gave him my debit card number and {$50.00} to come out XXXX/XXXX/XXXX. Afterward I realized it was a scam and went to my bank and cancelled the card on XXXX/XXXX/XXXX. I do not owe any payday loans.
Product: Debt collection

They call between XXXX times a day from multiple numbers and never leave a call back number or voice mail. Previously I 've spoken with a representative who refused to tell me any information about the nature of the call without me giving my social security number which I 'm not comfortable with. Prior to the constant phone calls I 've never received any communications from them by mail or otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022 I MAILED TRANSUNION A RE-INVESTIGATION OF DISPUTED ITEMS LETTER. THE MAIL WAS DELIVERED IN PERSON AND RECEIVED IN PERSON BY A REPRESENTATIVE OF THE COMPANY. UNDER THE 15 USC 1681 SECTION 611 THE COMPANY HAS 5 DAYS UPON RECEIVING A DISPUTE LETTER TO RESPOND BACK TO THE COMPLAINANT WITH A NOTICE OF DISPUTE SAID DISPUTE. I NEVER RECEIVED ANY CORRESPONDENCE FROM THE COMPANY OR A REPRESENTATIVE OF THE COMPANY TO DATE. TRANSUNION IS IN BLATANT VIOLATION OF THE LAW THAT GOVERNS THEIR LINE OF WORK, LEAVING MYSELF AND OTHER LIKE ME IN VULNERABLE AND IN DESPAIR. ATTACHED IS THE US POSTAL CERTIFIED MAIL NUMBER AND PROOF OF DELIVERY. IN RECOMPENSE, I DEMAND TRANSUNION REMOVE ALL ITEMS IN QUESTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX Balance : {$22000.00} ; XXXX Inquiry Date XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be the third and final attempt before I start legal action on Experian Credit Bureau. They do not want to follow FCRA articles 603/605 regarding the removal of items over 7 years old. the last email I received from them Dated XX/XX/2020 said the information I provided them was insufficient. The information came from XX/XX/XXXX Credit Bureau who received the same letter I sent to Experian. Only difference is they did their job, investigated and deleted the item from their report. I will upload copies of all information pertinent to this matter. It's bad enough, they have the right to sell my personal information for a fee. They could at least make an attempt to get it right.. They are a very difficult company to do business with and have a low regard for the general public at large.
Product: Debt collection

collection service center inc surcharging {$7.00} fee to offset fees that they are being charged ... .according to the Fair Debt Collections Practices Act that appears to be prohibited ... .I discussed the fee with the company although they insisted on charging the {$7.00} fee per card transaction.