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

Hyundai American Finance issued credit in my name for a truck I was not purchasing. Identity theft! Opened XX/XX/2023 for {$65000.00}. I have contacted the company multiple times and they are unwilling to acknowledge this fraud. After I had it removed from my credit with evidence I sent the credit agencies they insisted it was verified and had it reinstated.
Product: Checking or savings account

I am filing a complaint against Capital one regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX savings account as having one of the nation 's Highest interest rates yet failed to notify accountholders about the superior rates offered by the XXXX Performance Saving account. The deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the consumer Financial Protection Act and the Trust in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATEXXXX XXXX, XXXX R SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX XXXX XXXX XXXXXXXX, Texas XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX 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 Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account : XXXXXXXX XXXX  XXXX Account number : XXXX, please investigate and provide proof with statements showings that these payments was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Debt collection

IQ Data International harassed me and threatening me of damaging my credit profile. Demanding money upfront without giving me any other information aside from accusations. 

IQ Data International refused to provide information of the accused debt and refused to provide any copies of the said debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a voicemail on behalf of Kohls sometime on or around XX/XX/XXXX to which I responded to by returning their call. I was informed they had yet to receive my payment. After looking further into the matter ( remind you I have never been late ) it was discovered that my address had not been updated and that automatic payment was not on ( which I thought I had my account set up for ). The payment was made at this time over the Internet as the agent stayed on the phone and the agent confirmed. My very next question to the agent was late reporting. The agent responded to me and I quote " You will not be reported late '' " Kohls reports late after 60 day period ''. My late fee was even refunded at this time. I promptly made sure my account was set up for automatic payments. 
I received notification from the credit bureau that I had a negative item being reported on my account on XX/XX/XXXX and it was Kohls. I then emailed Kohls 's customer care explaining the situation. Kohls responded with their " I don't care attitude '' that they were reporting correctly and there was nothing that could be done. Come on Kohls? Really Kohls??. I have worked in the credit bureau and that is far from the truth as we both know you can remove this reporting. I have been such a long-term customer of Kohls and XXXX am shocked at their response back. I responded to the email that I would be issuing a complaint through your office cfpb which brings me back to a complaint being filed. I thank you as always for your assistance in such matters. 
On a personal note, one would think that a department store would value its customer/s in a time of such disarray and uncertainty with the economy
Product: Money transfer, virtual currency, or money service

Coinbase placed 60-day restriction on my account because I had allegedly tried to send funds out of an account that was not mine.I have no recollection of doing anything of the sort. [ thought it is a tricky and confusing process to transfer money/crypto around in this world of scammers ]. After several phone calls to Coinbase and XXXX XXXX, I was conceived that my funds were safe, and I would wait out the restriction. Now, the restriction lift date has come and gone and Coinbase refuses access to my funds and, more concerningly, they refuse tell me why, and if they dont tell me why, then I can not respond. They say they have no obligation to explain their internal decision making process ''. 

I can only think there might be some collusion between Coinbase and the well documented, scammer platform XXXX. It seems a bit Kafkaesque that Coinbase can hold on to my funds and not have to tell me why!! Any input, comments or recommendations for next steps would be very much apricated.
Product: Money transfer, virtual currency, or money service

I initiated a bank wire transfer from our joint savings account to our external joint checking account in the amount of {$15000.00}. The memo stated : XXXX XXXX XXXX. 
Ive been told by multiple representatives that the issue was with what I put in the memo, they needed to know who he was. I provided the answer and was told my money transfer was approved and would arrive by XXXX EST on XX/XX/XXXX. I waited for two business days and then I requested a cancellation as it never arrived. 
I was then told that the cancellation should release the funds by Monday XX/XX/XXXX. It is now Wednesday, XX/XX/XXXX and Ive just been told my money is being held indefinitely until I provide information as to the full name, address and citizenship of my contractor.

I am requesting yet again that my money be returned to my account immediately as I have already paid my contractor via standard 2 day transfer from other funds in my account and no longer need the wire. Id like my XXXX returned and have spoken with more Capital one representatives and managers than I can count. I am repeatedly told they can't contact the wire security team directly and only can send then emails. However, in all the times i called only one person told me the hold was due to needing his address and citizenship info. Can they legally HOLD my money if I have cancelled the transaction?
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I was contacted by XX/XX/XXXX on 1XX/XX/XXXX about a school loan that I do owe. I made a agreement with them on that date to pay {$110.00} per month to bring loan out of default. I made a payment on that date of {$110.00} to enter the program. they notified me that I had to do this right now to avoid garnishment. XX/XX/XXXX later notified me that after recalculating my budget that my payments would be raised to {$160.00} and I agreed and made another payment at that time of {$47.00} in order to be in compliance of agreement. After making this agreement Accounts Control Technology moved forward with wage garnishment on XXXXX-2017. Accounts Control technology was deceptive in making this agreement knowing full well that they had no intention of honoring it.
Product: Credit card or prepaid card

My issue is Synchrony Bank XXXX XXXX  credit card claims it has NO credit showing from XXXX for a refund made and released to them with a batch number to verify it was done - and they will not refund to me {$680.00} because they DONT SHOW ANY CREDIT ISSUED BY XXXX. Even though XXXX has proof it the release of funds executed ( see below ) XXXX  television shopping network processed a refund ( for an XXXX computer on XX/XX/2019 for the amount of {$680.00} for an XXXX laptop computer Silver XXXX XXXX XXXX ) and XXXX ( XXXX  in the office of the president for XXXX at XXXX XXXX XXXX xt XXXX ) claims these funds of {$680.00} were released to My XXXX XXXX credit card on XX/XX/2019 in the amount of {$680.00}. She claims proof this was done is the batch # XXXX. I was told by the credit card company they never received this refund from XXXX and wont give me my money back! 

Synchrony Bank XXXX XXXX customer service manager XXXX and that I spoke to by phone on XX/XX/2019 states it has not yet been received and there are no records of it. He put in a dispute but stated it could take 60 days to resolve. 

XXXX would not give me any direct line or persons name to deal with the matter and every time I call it takes over 45 minutes to re-iterate the story and get a manager to speak with.

Today I called the credit card company again and spoke with a different customer service manager who said no matter what I want I just have to wait and he was also unwilling to give me a direct line number of or name of anyone to deal with directly. He was also unwilling to contact XXXX at XXXX office of the President when I offered him her number to assist in resolving the issue. 

Please assist in resolving this issue to obtain my refund of {$680.00}. 

Note : a different refund of XXXX for the warranty WAS showing as a credit on the credit card- but not the MAIN refund for The computer {$680.00} Thank you. 

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

marketed a preapproval program on XXXX  to refinance a car at a lower rate, it said i could get preapproved with no affect on my credit, company i was sent to is autopay.com. didnt like the offers on XX/XX/XXXX so didnt move forward and today XX/XX/XXXX autopay checked my credit and summitted it to XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX i reached out and was told i gave explict consent and " there must have been some confusion sending the application through XXXX XXXX '' the extra inquires are affecting my credit and i didnt give consent
Product: Credit card

I received my statement in XXXX my balance was {$220.00} was the correct amount. 
15 days after the company send me another bill of XXXX. XXXX that I owed. 
A purchased of XXXX done in XX/XX/XXXX A purchased of XXXX done in XX/XX/XXXX. 
Both items were returned and was given credit for the return. The company is charging me again when they already have the items in their possession. 
PS I have 2 different account numbers I dont know why. 
I can not access my account on-line no I can not make payments online neither I dont know why. My account on line says my balance is cero. All these changes is going on with my account without any explanation to why all these changes. 
My original account number is XXXX XXXX XXXX XXXX My new account on my last statement XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received a notification from Transunion to review my credit report. I clicked into the notification and was looking through when I noticed unfamiliar inquiries from companies I never heard of before and isn't on any of my other credit reports. Per the advice of their website I contacted the individuals the inquiries were from to find out they're mortgage companies. I won my home cash since XX/XX/2014 I don't need a mortgage. I asked the respective companies to provide me on how they got my information to which they tried to ask me to verify myself with security questions that I failed. Of course I failed I wasn't the one who applied to set up any questions. They told me to call transunion. I called transunion and told them about my predicament ( granted my voice is bad due to me having XXXX ). The first young lady wasn't listening to anything I was saying and kept muting her phone. I asked for her supervisor and she transferred me to a XXXX XXXX who just kept repeating " call the creditors they're the only ones who can remove it. '' I told him a million times I did and told him what they said. It's ridiculously unfair how Transunion is reporting wrong information on my report and refuses to fox it which goes against my FCRA rights. Transunion is the only bureau reporting this false information on my report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 40 -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 XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts : XXXX XXXX XXXX XXXX opened XXXX, XXXX, XXXX XXXX XXXX XXXX  opened XXXX. XXXX, XXXX, XXXX / XXXX open XXXX XXXX, XXXX XXXX XXXX  XXXX open XXXX XXXX, XXXX, XXXX XXXX XXXX open XXXX XXXX, XXXX XXXX XXXX open XX/XX/XXXX, XXXX XXXX XXXX GA open XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX open XX/XX/XXXXXXXX XXXX XXXX  open XX/XX/XXXX.
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 U.S.C. 1681. 

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

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

15 U.S.C. 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information 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: 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Mortgage

Foreclosure- Fees and Cost Dispute - Sale date XXXX/XXXX/2015. 
{$6700.00} Force placed insurance, XXXX clearly had own insurance for the entire duration of the mortgage w/ supporting docs- forced into foreclosure- lender closed the loss mit assistance file while dual tracking the file into foreclosure, XXXX could never reach for one person to handle the acct- escalations gave conflicting information always promised to call and us updates as to the status of file, but did n't. The XXXX had XXXX and since authorize someone else
Product: Credit reporting or other personal consumer reports

All medical company 's and credit reports still show medical when I have tried it in. They won't take it off my reports all medical is taken care of by government. What's the problem with this picture just keeping a girl down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$350.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$3800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency

asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Product: Debt collection

XXXX is trying to collect a debt that is not owed. I never had this company as a debtor. I tried contacting XXXX and they do not have the correct identifying information. Please remove from my credit bureau. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer did not give equifax written instructions to furnish the identified information ( see attachments )