23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I checked my credit and is an item, I never got any XXXX letter from the collections agency, Today I got a letter state they verify with the creditor ( since a request a verification to the CRA ) is my, no validation just a letter state is mine.I already made a complaint since they have a different name
Product: Checking or savings account

On XXXX 2019 I went to pnc Bank located in XXXX XXXX mo on XXXX  XXXX XXXX  XXXX. To dispute unauthorized transactions totalling approx 60,000 dollars and instead was wrongfully accused and arrested charged with terrorist threat and then bank closed my account without ever concerning themselves with why I was at bank such day..and my issue is the bank will not resolve these unauthorized charges and wire transferred totally 60 something thousand dollars.. and i need help. Please help. 

XXXX XXXX
Product: Checking or savings account

So PayPal has been nothing but an absolute nightmare I had a {$230.00} paycheck sent to my PayPal balance for XXXX  days straight I spent every single morning on the phone with PayPal attempting to get my money transferred out of my PayPal balance to my debit card none of which were successful every single time I was told I have to wait XXXX more hours or XXXX more hours XXXX more hours for their system to refresh so that way I can get my money out because their system was locking my account every single time I tried I'm all for security but this was absolutely just them harboring my money refusing to help me get my money transferred out and then today XXXX different charges were posted to my account taking out every XXXX XXXX of the {$230.00} that was in there even though I was just told XXXX hours ago that I needed to wait XXXX more hours before I could try to withdraw my money out of my account because it was locked and yet somehow to unauthorized charges were charged to my account in the full amount of XXXX leaving me with {$0.00} so I immediately follow the dispute on it and within XXXX minutes I received an email saying that there was no error found in that the money would not be refunded. I don't know how PayPal is still a business after their unprofessional and absolutely unbelievable business practices of refusing to let me get my money out of my account before it was taken from me and then not reimbursing me when it was stolen out of my account conveniently enough on the same day I was told I couldn't get my money out and I needed to wait.
Product: Credit reporting or other personal consumer reports

XXXX Showes me with a XXXX Credit Score and the XXXX XXXX auto loan showed as Exceptional Payment History on XX/XX/XXXXXXXX  when Discover Card checked my credit for a Discover Credit card on XX/XX/XXXXXXXX. Discover declined my credit application with misinformation and untruth information regarding my auto loan stating as their reason for the decline of credit as " number of Months since most recent Inquiry, Number of Credit Bureau Inquiries and the most egregious LIE was " Insufficient Balance Decrease on Auto Loan ''. I purchased a XXXX XXXX XXXX for my nephew in XXXX of XXXX financed by XXXX XXXX. When my nephew gave me his payment, I would add an additional payment periodically to the point of being 5 months ahead on the payment at one time, but when paying for a XXXX birthday party for myself, I lost track of how far ahead we were on the loan and immediately paid it when it was only XXXX weeks late. Discover blamed the information on XXXX 's credit report. When I received XXXX 's report it showed Exception Payment History on XX/XX/XXXX not only for XXXX XXXX but for all of my credit reporting accounts. I wrote to Discover explaining all of this, even showing them XXXX 's Credit Report and a XXXX in their XXXX XXXX XXXX XXXX XXXX has ademantly refused to admit that their description of " Insufficient Balance Decrease on Auto Loan '' is incorrect. They gave this same lying answer to the Ill Attorney General even though I provided my credfit report and finally the Delaware Dept of Justice since Discover is incorporated in Delaware referred me to the Consumer Financial Protection Bureau
Product: Credit reporting or other personal consumer reports

this Company has over 7 diffrent variations of my name, they have old and outdated addresses, jobs, phone numbers this company is also reporting personal private information without written consent according to Title 15 USC 1681 Permissible purpose ( ie ) there is XXXX XXXX car loans that were deleted from my XXXX XXXX Credit file because they were proved fraudulent from the ( XXXX XXXX XXXX XXXX ) but this company is still reporting this false information, which is a violation of the Metro 2 Guidelines as well as the permissible Purpose Law, unless they can produce a written consent form
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting unauthorized information on my credit report. Please see the attached ftc report and XXXX breach claim and remove the incorrect address and unauthorized inquiry from my Transunion credit report immediately. Please be aware that I am the one writing this letter. There is no 3rd party involved. All information provided herein under the penalty of perjury is true and accurate to the best of ability and knowledge.
Product: Credit card

I applied for consumer credit as instructed by law to do so at times. 
Gave all information required by financial institution According to the law 15 usc 1691 & 12cfr 1002 Any adverse action in consumer credit transactions is illegal. 

Chase XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Please have these companies follow the law Reinstate my full credit/credits applied as i am aware that i am the source of all credit full faith and credit of the United States of America . As ordered.
Product: Credit card

Synchrony Bank closed XXXX of my accounts on XX/XX/year>. The following accounts were closed : XXXX XXXX, PayPal Credit XXXX Rooms to Go, Mattress Firm, and XXXX XXXX XXXX  XXXX I spoke to a customer service manager and said that I was fine with closing Mattress Firm and XXXX XXXX XXXX XXXX, but I asked him to appeal the decision for closing XXXX Comfort, PayPal Credit and Rooms to Go since those were revolving credit accounts that I currently use. I requested that instead of closing the accounts, that Synchrony Bank instead decrease the credit limit to allow me to keep the accounts open and in good standing. To date, I have never missed a payment and I have always paid the minimum payment on all XXXX accounts. The oldest account is 3 years and 11 months old ( XXXX XXXX ) and the newest account is 5 months old ( Rooms to Go ). The customer service manager informed me that the decision to close all XXXX accounts at XXXX time was based on my credit score and as part of the account review process to extend credit, decrease credit and/or close accounts and that the decision was not reversible.
Product: Debt collection

I XXXX XXXX was trying to get credit established at a Bank the bank was the XXXX XXXX XXXX I also had tried another bank due to being turned down by XXXX XXXXk the other bank was called XXXX XXXX and was told by both the bankers that I have unpaid checks out for chexsystems from 2016 I was wondering how that can be because I'm XXXX XXXX XXXXXXXX this is XXXX XXXX I have no debt so that name must be frivolous or someone is acting as a fiduciary on this name I would like to file a complaint in a lawsuit due to fraudulent information being attached to my name from chexsystems
Product: Credit reporting, credit repair services, or other personal consumer reports

PNC issued me a credit card and I was on business travel and the credit card was not even activated few days later they decided to close the credit card due to non activity and reported it to the XXXX XXXX credit that the account was closed which had been on my credit report even though t it was not my mistake and now they are not willing to fix it
Product: Credit reporting or other personal consumer reports

This account is 5 years old. This account should no longer be on my credit report according to the statutes of limitations XXXX XXXX
Product: Debt collection

I had cancelled service in writing via e-mail. The company refused to accept it and told me I can only cancel over the phone which is not legal. They have received notice I wished to discontinue services with them. Adding to that I asked for evidence of services provided related to picking up trash. They never provided it, likely because it never happened. Unscrupulously business practices and trying to charge me for services that I had cancelled in writing not to mention they didn't even provide a service they are trying to bill for.
Product: Payday loan, title loan, personal loan, or advance loan

Its saying I opened an account for a loan and I asked for some type of verification as far my Signature they never sent it I never opened up and account for no loan they are saying a payment was made but it wasnt from me I have no knowledge of this account when I noticed this account was opened I called and did a chat to see when and where this account was open and asked if they can close it because I didnt open they told me that it was in my name and a payment was made on it but I didnt make no payment nor did I open this account
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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

XXXX XXXX XXXX XXXX  Accounts have violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I initiated a transfer from my bank to Venmo, Venmo has it stated my funds would be available on XXXX and its now XXXX and my funds are not available and they will not release them for me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  added a collections to my credit report and the debt was already satisfied and paid off. I have plenty of proof to this claim as the IRS accepted my paperwork but XXXX  XXXX is refusing to accept it which is also against the law they also added this to my report without my permission or consent 15 USC 1681 permissible purposes of consumer reports states that they need WRITTEN consent from me to add this 15 USC 1681c requirement pertaining to information contained in consumer credit reports may not add any adverse item to me report!! Why are they allowed tk do this without any consequences. This is disgusting. I want this removed off my report IMMEDIATELY
Product: Mortgage

My loan was sold earlier this year from XXXX XXXX to PNC Mortgage, ( I have also had home loans with XXXX XXXX and XXXX in the past 5 years. ) and within 3 months of purchasing my loan, PNC Mortgage gave me notice in the mail that my premium ( 30 year fixed HUD Foreclosure ) was going from $ XXXX/month to {$920.00} because my escrow account had a shortage. My escrow account has never had a shortage, and when I called PNC the manager I spoke with even admitted my payments from the previous year ( XX/XX/XXXX ) were identical to this current year- yet she still said it was their right to change my premium ( although in the last 5 years on either XXXX of my homes, the premium never changed from my purchase price ). Now I received a letter in the mail from PNC Mortgage today stating that my premium was going to increase yet again from {$920.00} to {$940.00} starting XXXX/XXXX/XXXX. They must be stopped!!! This is n't right- I do not want them to touch my mortgage ever again- I want my mortgage switched to another lender immediately. I did not choose them, and they are hurting me and my family. I downsized from a XXXX square foot home built in XX/XX/XXXX and bought this home which is XXXX sq ft built in XX/XX/XXXX so I could lower my monthly premium fro {$1100.00} to less than $ XXXX/MONTH ... which I did. Now they are going to drive my payment back up to the range I had to avoid to survive- I did nothing wrong ... I 'm a single father of XXXX yr old twins who ca n't afford this to happen to him. This is n't constitutionally right that they can do this, and I have no say so who my lender is if they are practicing like this. Please help me before they break my family!
Product: Credit reporting or other personal consumer reports

I am writing to contest and to dispute the inaccurate reporting of items on my credit report. Upon contacting the companies, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the items would be promptly updated. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. XXXX and XXXX have already corrected the inaccuracy of the items from my report and so I request that you take immediate action to update this erroneous accounts. 

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 or other personal consumer reports

On XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) finalized a rule prohibiting medical debt from appearing on consumer credit reports. This rule applies to ALL MEDICAL DEBT, regardless of the amount or payment status. Since then, I have submitted numerous disputes to all three credit bureaus to remove ALL medical bills from my reports. The medical bills were not only incurred while Medicaid and XXXX fully insured me, but they failed to try to submit the bills to insurance before turning them over to collections. I have disputed these collections several times. Since my disputes began three to four years ago, a rule was passed in XXXX to remove all medical bills and collections from credit reports. But, even after the bills have been disputed the credit bureaus fail to do what the new law has established. I notified each original biller several times that I had medical insurance on file with them, and there is no reason why debts are being turned over to collections. All of my disputes for my medical bills get denied in under 24 hours. According to a federal law that passed in XX/XX/XXXX, I should not have to fight these companies to remove medical bills from my report. I have stated this in my most recent dispute. I was hoping that the credit bureaus would have handled this accordingly so that I would not have to submit this complaint. But these accounts were already disputed and removed when the first law was passed about medical bills under {$500.00} on credit reports. They were increased and then put back on my credit report again. This should not be allowed, and as of this date, is now illegal. Thank you for all of your help. 

XXXX XXXX XXXX Summary : XXXX XXXX XXXX ( XXXX XXXX Shown Here : Introduced in House ( XX/XX/XXXX ) Consumer Protection for Medical Debt Collections Act This bill restricts the inclusion of medical debt on a consumer credit report. 

A consumer reporting agency is prohibited from including on a consumer credit report, and a person is prohibited from reporting to such agency ( 1 ) medical debt arising from a medically necessary procedure, or ( 2 ) other medical debt less than a year old.

A person reporting medical debt to a consumer reporting agency must first provide notice to that consumer regarding the restrictions on including medical debt on credit reports.

Furthermore, a debt collector is prohibited from collecting a medical debt less than two years old.
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 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Consumer Loan

DISCOVER PERSONAL LOANS IS ADVERTISING AN INTEREST RATE AS LOW AS 6.99 %. I HAVE A CREDIT SCORE OF XXXX WITH GREAT INCOME AND LOW RATIOS. THE BEST RATE THEY COULD OFFER ME WAS 8.99 % WITH AUTOMATIC DRAFTS. IT IS MY BELIEF THAT NO ONE QUALIFIES FOR THE 6.99 % AND THAT THIS IS FALSE ADVERTISING. THE CSR ASK ME WHAT MY CURRENT RATES ARE ON MY CREDIT CARDS THAT I WANTED TO CONSOLIDATED. THIS SEEMS LIKE A WEIRD QUESTION UNLESS YOU ARE TRYING TO JUST BEAT THOSE RATES. I 'VE BEEN IN THE XXXX FOR 21 YEARS SO I KNOW AN A+ BORROWER.
Product: Vehicle loan or lease

My fiance and I purchased a XXXX XXXX in XX/XX/XXXX. We acquired a loan of roughly {$12000.00} from KIA Motors Finance with the term of 36 months. There is no pre-payment penalty. 

We have made every loan payment on time, and paid off the entire loan in XX/XX/XXXX. The account has been closed in XX/XX/XXXX. However, our lienholder KIA Motors Finance would not release the vehicle title. When we registered our vehicle at the DMV, it still shows KIA Motors Finance as a lienholder. It is almost 6 months after I have paid off my auto loan but our lienholder is reluctant to release the title. 

I have been repeatedly contacting KIA Motors Finance to solve this issue. I made phone calls in XXXX, XXXX and XXXX to their customer service department. I have also wrote multiple emails to their customer service in XXXX. Every time the representative verified my account is fully paid off, I am " all good to go '' and they are " working '' to release my title. However, no one will disclose to me why it is taking so long and when will my title be released. It is almost 6 months and they are still " in progress '' of releasing my title. This is completely unacceptable for a lienholder in the state of California. Lienholder need to release the title within 10 days of the account being paid in full. 

I need to move and I desperately need to sell my vehicle. But I can not because KIA Motors Finance is illegally withholding the title of a property that I have fully paid-off half a year ago. I am suffering huge financial loss of parking/not being able to sell my vehicle while I am away. Till this very day, no one from KIA Motors Financial is willing to let me know what is going on or when can I get my title.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, this is my second complaint, the first complaint was XXXX. The resolution on the first complaint was that transunion would reinvestigate with the support information I provided CFPB and that they will get back to me. For the last 10 days I monitored this status on Transunion site which showed, they had in fact started to investigation. On the morning of XX/XX/2021, the reinvestigation no longer appeared. I started it again on my own on their system. I called transunion to ask why they had not follow through with the investigation ( I check site everyday ), and the first representative hung up when she said she had no record of investigation in system. The called back and spoke to another representative who stated the same result. I am a little frustrated that they gave the CFPB a response to reinvestigate, and in good faith, they have not done this. It is as if they gave the CFPB the response to close first complaint. They have failed to fulfill their obligation of complaint XXXX and continue to violate FCRA requirements.
Product: Credit card

On multiple occasions, including XX/XX/2023, I have attempted to contact Synchrony Bank/Amazon about the inaccessibility to my account because of their refusal to use my hearing Assist phone number for the two-step authentication. Synchrony Bank XXXX has continuously blocked my access to update payment methods or make a payment because they demand a live phone call. Due to being XXXXXXXX, I do not talk on the phone.

Synchrony Bank Amazon has now been reporting my payments as LATE but refuse to allow me access to my account in order to make a payment. 

Their ID verification system errors out each and every single time I attempt to use it, claiming it can not upload my ID. 

They continue to demand a live phone call with me to verify my identity and refuse to make any form of accommodation to update my contact information to a phone number that can receive text messages. The phone number i originally provided functioned with their system but they have since blocked it and now refuse to allow the only number I have to be used for the electronic automatic two-step authentication. 

Synchrony Bank XXXX is discriminating against me and causing severe irreparable damage to my name and credit report by demanding a live phone call for identity verification, even though they know I am XXXX. Even with active chat with an agent attempting to address the issue, she attempted to CALL ME XXXX knowing I am XXXX  and unable to talk on the phone. When I didn't answer the phone call, she also disconnected the chat and refused to assist me.