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

XX/XX/XXXX I went to XXXX  XXXX in XXXX, OH, where I had purchased a car in XX/XX/XXXX. I met with the salesman, XXXX XXXX, we had used before. I test drove a couple of vehicles but felt that since he was trying to put me in the most expensive vehicle, according to my income, instead of listening to what I wanted, I was going to go elsewhere. And even though that day I never gave him my credit information, nor did I authorize a credit check, he used previous transactions to get that information and run a hard credit inquiry on my report. I have requested them to provide where I consented to the credit check ; filed a complaint with the XXXX, which they responded to and stated, they would resolve with me. Then sent me a letter that they were not going to send me anything or remove the inquiry. I have no issue with hard inquiries when I ask for them and am aware of the difference between hard and soft inquiries. As I have been working on my credit score, I would NEVER have a report run unless I knew I was going to buy a car at the dealership, as I did in XXXX at XXXX XXXX when we purchased my son 's car.
Product: Debt collection

I am having trouble verifying this debt because it is about 7 years old. I have also been contacted by multiple different third party collection agencies which is making it hard to understand where the debt lies, and I also believe is prolonging the negative debt reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX  Account number : 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. 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: Money transfers

On XX/XX/2016 I purchased an item on eBay Item Number : XXXX ( a Rolex watch ) and paid for the transaction with my Credit Card from XXXX Bank the amount of {$2600.00}, when I finalized the transaction I noticed that the seller did not contact me, I did not receive any confirmation number or tracking number for the delivery of the object, some minutes later I noticed that the seller was cancelled from eBay and I received an email were they notified me that they removed the item from eBay and acknowledging that I already paid for the item. On XX/XX/2016 I opened a Claim with eBay and a representative called me and told me that the Post was an scam, they apologized and that the money will be credit to my account because I was protected by eBay money back guarantee. I called my Credit Card and notified of the fraudulent transaction. In fact, the money was returned to my Credit Card by PayPal at that time on XX/XX/2016. 
On XX/XX/2016 when checking my XXXX Card statements, I noticed that the amount of this fraudulent transaction was reverse to the PayPal Account " XXXX '' account of the Criminal who run the Scam on eBay, so I contacted my Credit Card and XXXX dispute representative told me that because the transaction was authorized by me they have to paid to PayPal and advise me to open a claim with PayPal who ask for the money back because as a Credit Card they only intervene if I was victim of Fraud Identity. When I contacted PayPal they told me that I can not open a Claim because my Credit Card had a dispute with them and it took a way my right to dispute, despite I talked numerous time with PayPal and explained that I was n't aware of the dispute and I was not heard as a victim of the fraudulent transaction, even when the money they are holding from me is a result of a Fraud, that I never received the object, is not tracking number and delivery confirmation they do n't want to open a Claim and they do n't want return the money to my account. 
I 'm filling this Complaint against PayPal because they took money from an illicit transaction, originating in a fraudulent posting, they know that the seller committed a crime, they know that I never received the purchased item, they do n't want to return the money to me, they even do n't want to open a Claim and PayPal as a financial institution is abusing and defrauding me that acted in good faith.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Portfolio Recovery Associates is reporting XXXX accounts to XXXX, XXXX, and XXXX that does not belong to me! Earlier last year I contacted the XXXX bureaus, informing the about XXXX debts on my reports in the amounts of {$540.00} and {$670.00}. No action has taken place. 

Pursuant to 15 USC 1692g they are unable to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out on XX/XX/22 to Experian because I I have a paid membership and was unable to access my 3 bureau credit report and they told me to send in verification of my identity even though I've done so previously numerous of times. I wasn't able to access my credit report for two months even after sending in the proper documentation. I called and requested a refund for the two months and canceled my subscription. I than opened an account with MYFICO to get my fico scores because I plan on buying a house soon. I received a refund from them stating Experian won't allow them to access my credit scores. This is causing me to become XXXX  because I can't monitor my credit scores as usual and I'll probably be unable to get a home loan approval because my scores can't be accessed.
Product: Checking or savings account

To Citizen Bank Case # XXXX On XX/XX/XXXX, I went to the XXXX XXXX location of Citizens bank on XXXX XXXX XXXX and opened a saving and checking account. 
I was presented with a Fyler stating Fall into {$700.00} {$100.00} would be given for opening the personal checking and up to {$600.00} for making a single of multiple deposit totaling {$15000.00} On the back of the Fyler it noted : XXXX XXXX savings offer XXXX XXXX the requirements note account to be open XX/XX/XXXX XX/XX/XXXX, met on XX/XX/XXXX {$500.00} into checking within XXXX days : meet XX/XX/XXXX Total deposit into saving within XXXX days : XXXX XX/XX/XXXX Saving balance required till XX/XX/XXXX met on XX/XX/XXXX Bonus will be paid by end of day XX/XX/XXXX : Received $ XXXX, instead of {$600.00} XXXX {$500.00} Payroll was deposited on XX/XX/XXXX meeting the requirements for he {$100.00} {$10000.00} was deposited into the saving on XX/XX/XXXX and an additional {$15000.00} was deposited into the saving on XX/XX/XXXX As the {$15000.00} was deposited within the XXXX days of the account open the other {$10000.00} was withdrawn leaving the saving account at XXXX till XX/XX/XXXX to be certain that the XX/XX/XXXX exceeding the requirements I called in multiple times to verify that all requirements were met On XX/XX/XXXX I logged into my account and saw {$500.00} was added with the notation BALBLDR BONUS. 
On XX/XX/XXXX at XXXX am I called XXXX and was on the phone XXXX minutes with a representative who advised she could not find the promotion, I offered to send a copy of the flyer and read each line of the flyer. 
She suggested that I contact the branch that I opened it at. 

After requesting to speak with a supervisor. He was quickly able to find the promotion referencing XXXX. I was told that my account shows the requirements were made and it would be escalated. 

On XX/XX/XXXX I received a call advising the matter was researched and there would be no adjustments made. 

The reason for the {$400.00} + XXXX bonus instead of the {$600.00} + XXXX Bonus was because the {$15000.00} did not meet the requirements I checked my XXXX account of which the {$15000.00} was sent from. And it shows that the withdrawal was complete XX/XX/XXXX at XXXX XXXX, It was reflected in XXXX bank on XX/XX/XXXX which would be 10 days As I have met the requirements for the {$700.00} total bonus I am requesting that I receive that amount I am happy to share the documentation to support the statements above. 


Thank you. 

XXXX XXXX
Product: Student loan

I called the company, Nelnet, to see if they could lower my interest rate and they said they could not. I have been paying on my student loan at around 8 per cent and my balance has stayed about the same. Interest rates have been from 2 to 5 per cent and there is no reason for paying such a high rate of interest. I was a student and was not able to get a job in my field of study. I had to work and start at the bottom of a customer service call center. It was hardly enough to contribute to the support of my wife and grandchildren ( at the time ). 
Now my situation is different. I am on Social Security and scrambling to make ends meet. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone got my XXXX XXXX card and used it, Ive been trying for a very long time to Disput this account, which they had removed the negative items from my credit report and then put it back, this is very unfair to me
Product: Credit reporting

Inquiries were removed and re added without notification or reasoning. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

We disputed the exorbitant charge for damages or condition of XXXX car when turning in lease as per the agreement. They then charged off the remainder and gave us a bad credit report without discussing with my wife what they were doing. I was a bystander to this mess, even though I co signed and ensured all payments were made on time.
Product: Credit card or prepaid card

1. Applied to Capital One for a Quicksilver Credit Card late XX/XX/XXXX. It was denied 2. Form letter denial indicated credit score of XXXX from XXXX  and listed following factors for denial. a. Time since most recent acct opening too short ; b. Delinquency accounts ; c. Too many inquiries in 12 months ; d. Lack of recent installment loan information 3. In early XXXX I requested and received Credit Report from XXXX. Nothing in that report supported the basis for Denial. 

4. Late XXXX I asked to have this reviewed again it was denied for the same reasons. 

5. XX/XX/XXXX, I wrote a DETAILED letter indicating where the facts did not support the basis for denial. The application was again denied with the same form letter as previous. 

6. XX/XX/XXXX, I spoke with customer service to try to better understand the basis for their conclusions. XXXX, a supervisor, was not able to give me any additional information. 

7. Given that the facts do not support the information in the denial and I am unable to get any further clarification from Capital despite numerous attempts to do so, I must conclude that discrimination due to age for gender must be the reason.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account XXXX XXXX XXXX BALANCED {$5400.00}
Product: Checking or savings account

On XX/XX/XXXX, I received my Wells Fargo Class action settlement claimant number. 
On XX/XX/XXXX, I was notified I could then file my claim online via their website www.wfsettlement.com using the code I had received previously. When I visited their site and entered my claimant number and ( email address or/and last 4 of SS # ), and Captcha, the site either rejected my request either because of the captcha or because of the information entered. This rejection alternated rather randomly, despite the same information being entered ( only the captcha changed ).  It really seems like their site does not work for claiming the settlement money.
Product: Credit card

I made an overpayment on my Fifth-Third Bank credit card. I requested a refund for the overpayment and the bank said they could not perform an ACH transfer for the refund. They said they could only send a physical check. 
The check was sent but never delivered to me. I requested that check to be blocked and issuance of a new one. I requested this 3 times over the course of 6 weeks. 
I was not notified that those requests were all denied until 7 weeks after issuance of the initial check. Fifth-Third bank told me the check has been cashed and they could not issue me a new one. I requested images of the check endorsement, as it seems that the check was misdelivered or stolen and my signature forged. They refused and said they can not help me in any way
Product: Credit reporting or other personal consumer reports

It's been over some years since this was done. However nothing was done right over priced payments. My credit score didn't get any better. In fact it went down. Please compensate me for my losses.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Charge-Off and Missing XXXX Form Dear Consumer Financial Protection Bureau ( CFPB ) , I am writing to formally file a complaint against [ Company Name ] regarding their reporting of a charge-off on my credit report without providing me with the required IRS Form XXXX for debt cancellation . 

Complaint Details : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX XXXX Account Number XXXX Date of Charge-Off : XX/XX/XXXX XXXX XXXX XXXX Account Number :XXXX  Date of Charge-Off : XX/XX/XXXX XXXX XXXX XXXX Account Number :XXXX Date of Charge-Off : XX/XX/XXXX ONE MAIN Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Credit Bureau ( XXXX ) Reporting the Charge-Off : [ XXXX ] Issue Description : On XX/XX/XXXX, I discovered those Companys reported a charge-off on my credit report. However, I have not received IRS Form XXXX, which should be issued when a debt is canceled or forgiven, as required by federal tax regulations. This missing form has prevented me from accurately reporting my financial information to the IRS. 

I have attempted to resolve this issue directly with those Companys by any steps taken, such as written but I have not received a satisfactory response. The failure to provide the XXXX form has caused potential tax reporting issues and confusion regarding my financial obligations. 

Resolution Requested : I kindly request the CFPB to investigate this matter and urge those Company 's to : XXXX. Provide me with IRS XXXX XXXX for the charge-off as required by law. 
XXXX. Delete any reporting errors related to my credit file. 
XXXX. Ensure compliance with federal regulations regarding charge-offs and tax reporting. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please let me know if additional information is needed.
Product: Mortgage

On XXXX I received a mortgage statement in the mail from our loan provider, XXXX XXXX Home Mortgage.  The letter (dated XXXX) showed that we owed a total amount due of XXXX which is more than twice the normal amount.  Scanning down the letter, I learned that XXXX XXXX had received, but had not applied to our mortgage, a payment of XXXX  on XXXX  This payment was NOT late, but as the letter explained, these funds were held in "suspense" because they were not sufficient to cover the entire amount due.  This was news to us. We have always paid slightly more than the amount due on our mortgage.  However, unbeknownst to us, our mortgage had increased due to a change in escrow, making our payment of XXXX just below the new amount of XXXX.  It seems unfair that XXXX   Bankshould a) not give us any notice that our monthly payment was set to increase and b) hold a payment (which covered more than 99% of the amount due) WITHOUT telling us for an entire month and then c) attempt to charge a $XXXX late fee.  Further complicating the matter, the letter I received makes no mention of any late fee except one that may be applied XXXX if we don't square up the account by then.  After receiving the letter, I called customer support at approximately XXXX and spent the next 15 minutes or so speaking with a representative named XXXX, who failed to explain why the late fee didn't appear on the mortgage statement even though, in her words, it was effective on XXXX the same day the letter was sent.  She also did not explain why we were not given notice of the escrow change or why our partial payment (again, of more than 99% of the amount owed) was held in "suspense" without anyone ever telling us we owed an additional XXXX thus essentially ensuring that we would incur a substantial late feel.  Any help in resolving this matter would be greatly appreciated.  And as an aside, I'm curious to know if the XXXX late fee is typical and/or if late fees are regulated in any way.  It seems inordinately high.   If helpful, I am happy to submit the XXXX letter.
Product: Credit reporting or other personal consumer reports

I am writing this complaint to ALLY FINANCIAL about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXX FTC report XXXX related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXX XXXX XXXX Section. XXXX that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Bank account or service

I am XXXX XXXX XXXX XXXX, I am a XXXX and I was studying XXXX in your country with a XXXX. I opened an account in the Bank of America in XXXX, the account number is XXXX. 
XX/XX/XXXX I did an online transaction with my debit card, I paid XXXX dollars for eight ( 8 ) days in the XXXX hotel using a web site of XXXX. That company had a similar name of XXXX. When I received the confirmation email I realize that that company was strange maybe fraudulent. I called to the bank of America and blocked my debit card. After I called to the police and I called to bank of America again, and a girl said me that XXXX tried to get twice my money, then I started a process for a fraudulent website, but the bank made a mistake giving me XXXX temporary credits each XXXX for XXXX dollars. I returned XXXX credit XX/XX/XXXX in XXXX in an office, and I returned to XXXX XXXX XX/XX/XXXX and I did n't use the hotel. I did a deposit of XXXX dollars for the second credit from XXXX XX/XX/XXXX because the bank said me that it was n't a fraud transaction because I did it online. 
I did a new claim by non giving services to XXXX but XX/XX/XXXX the bank said me that the claim was closed and they did n't say me anything about the answer of that company. XX/XX/XXXX I called to bank of America front to cancell the account but they gave me another temporary credit that I did n't ask or want and they used this credit to lay the monthly maintenance fee. Now I am trying to return the credit to the bank but they do n't answer my calls if I use my account number. I do n't want to have his account opened because I am in another country. 
Please I want to close this account, candid it 's possible get my money back from XXXX. 
Thank you very much for your help.
Product: Vehicle loan or lease

GM Financial shut off my auto-pay that was in place after 3 years of payments being made that way. They did not let me know they were doing this and I only found out after I received a past due notification email. I immediately called and made the payment but they put it on my credit report already. I asked them if they could remove it and they stated they have no control over that.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint is about my XXXX XXXX XXXX Credit Card. I applied to XXXX XXXX  on XX/XX/XXXX. I was approved for the card and i have been using my card ever since, I just order my credit report on XX/XX/XXXX and i notice additional 3 unauthorized inquiries on my XXXX  and 3 unauthorized inquiries on XXXX  credit reports. Please see below. I authorized only one inquiry for the XXXX XXXX XXXX on XX/XX/XXXX and i was approved on that day an told my card was being sent to me. The additional inquires below were not authorized by me. XXXX  Inquiry details XXXX - Card Service Inquiry from XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX