23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We obtained oven repairs from XXXX. The repairman quoted us a price that included a 20 % discount on the service that resulted from the purchase of a service contract. We paid for the parts on the original visit. When the parts came in a service man came out and finished the install. At that time the service man was unable to figure out why the discount was n't applying and took the check for the balance on the account based on our original receipt. I contacted XXXX many times over the next several months and in XX/XX/XXXX spoke with a representative that understood that the twenty percent discount had not been applied. He informed me that he would send over a letter to the collection department so that they would n't continue to bill us. I continued to receive bills and have mailed back all the receipts and information. XXXX home service had no contact information to resolve the billing dispute other than a mailing address to which i sent all information regarding the matter without getting verification of resolution.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the accounts listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

The Bureaus XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Bank XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that i may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Vehicle loan or lease

Hello, This is the second time we have turned in a vehicle to Hyundai and had issues. This time, first we got a letter saying we turned in our vehicle early and therefore it was going to auction and we would be responsible for the difference which likely was going to be $ XXXX. Was absolutely not correct. Next we were told there was damage to the car and that we owed them money. I have a long video of me walking around the car in detail at the dealership due concerns over past issues. I also paid for the damage insurance and had the car serviced at the dealership less than a month before turn in when it received a clean bill of health. The images used to show the damage, never showed the whole car to validate it was my vehicle, which it could not have been as mine was not damaged. They also want to charge me for not getting a new car, which I did and financed thru them. When I try and tell them that, they just seem to ignore the comment. I keep getting a bill for {$850.00}. I have excellent credit and have had for years. All payments are made autopay as is for my new car. I love Hyundai cars, but HMFUSA is a just a joke. 

I talked to them on the phone numerous times and finally said I wanted to go to arbitration which was in accordance with a document they made me sign when I got the lease. All issues would go to arbitration. I said that I wanted arbitration verbally on three different calls which I was told were being recorded, sent them two registered letters and still it has not happened and now the debt is on my credit report. 

I see they were fined just last year for bad behavior and I think they should be fined again. They are abusing their position and need to get their house in order or continue to face fines and penalty payouts until they do.
Product: Money transfers

On XX/XX/2016 I transferred payment to XXXX XXXX XXXX for payment to our vendor XXXX. I was not aware our vendor had closed the account with XXXX. XXXX has not returned the {$4100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has yet to properly investigate and provide proof that these accounts are correct and valid as mine. They have not provided any contract signed by me stating my ownership of these accounts. I request that they are removed immediately and I will not stop until they are removed. 
XXXX XXXX Chargeoff XXXX balance XXXX XXXX Chargeoff XXXX balance XXXX- Chargeoff {$370.00} balance. I have never done business with this company. 
XXXX XXXX Chargeoff- {$350.00} balance. I have never done busienss with this company XXXX Chargeoff- XXXX balance {$2100.00}. balance has changed so many times. Which one is it? Verify or remove this from my report XXXX XXXX {$2600.00} balance. Never had an account with XXXX. Please remove this XXXX and XXXX. {$300.00} collection. I have never done business with XXXX. Please provide a contract signed by me or remove this from my report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies my financial institution and Zelle failed to investigate claims adequately. They informed me that recovering lost funds was impossible and that tracking those funds was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of responsibility and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I entered into an agreement with check n go on XXXX/XXXX/XXXX. I was unable to make payment that was due on XXXX/XXXX/XXXX. After I told them I was unable to, the representatives constantly called me at work after I told them I could not receive phone calls. Sometimes these calls would be 2 to 3 times daily. They also called my mother 's cell after she informed them that this was not my number and to stop calling her. The representative told them that they were looking for me for a past due loan amount. They called my mother almost every day for an entire week. I called into the office and asked that I be placed on a re-payment plan but they said that I could not enter into a re-payment agreement unless I signed a new loan contract with another check. I have exhausted my avenues in trying to settle this matter can someone help me with this. 
Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally file a complaint against Transunion regarding their failure to validate disputed information on my credit report and their refusal to provide the method of validation as required by the Fair Credit Reporting Act ( FCRA ). 

I submitted a dispute to Transunion regarding inaccurate information on my credit report. In accordance with FCRA, I requested that they validate the accuracy of the reported account ( s ) or remove the erroneous information. However, Transunion failed to provide me with adequate validation or documentation proving the accuracy of the disputed items. Additionally, when I requested the method of validation, Transunion did not respond with the required information explaining how they verified the disputed data. 

This lack of transparency and failure to comply with federal laws is unfair and negatively impacts my creditworthiness. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation and provide consumers with a clear explanation of how disputed information was verified. Transunions failure to do so is a violation of my consumer rights. 

I request that the CFPB investigate Transunions practices regarding the handling of credit disputes and ensure that they comply with federal regulations. Additionally, I ask for the removal of any unverifiable or inaccurate information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I deferred my payments for two years while I was finishing college and most likely been a victim of the predatory lending by navient. Can't get any answers and my amount owed has doubled. I need help please
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XX/XX/XXXX/XX/XX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Product: Debt collection

XXXX XXXX authorized Radius Global Solutions to collect the overdrawn debt account collection on their behalf on XX/XX/XXXX. It has been about three years, and payment methods were already in place with the old letter I kept. I was able to secure a job three years later and I am now able to pay back or settle the debt. I called five months ago ( XX/XX/XXXX ) to Radius to settle my debt. 

However, I am unable to get hold of the Representative in charge of my collections debt, and after calling the collections agency several times, I was unable to speak with XXXX XXXX, the Representative of my debt case. The payment portal did not work, and they did not provided an updated link to secure my payments. With a lack of cooperation on their end, I am filing a complaint in their consistent inability to settle the debt with me or secure payments for me to make. 

The debt on paper is : XXXX. I would like to take charge of setting the debt with payments. The debt is bank overdraft account debt, from economical pandemic hardships in XXXX. 

XXXX XXXX 's Number : XXXX Radius is not letting me resolve this debt, and I am filing a complaint so that they will be complelled to work with me. I believe that debt is accruing as we speak since the last three years. Thank you.
Product: Credit card or prepaid card

Fraudulent account on my XXXX credit report by : Chase Bank Credit Card ending in XXXX Opened XXXX, 2022 {$500.00} limit {$370.00} balance 120 days past due This is not my credit card. I did not open this account.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Experian and XXXX has been allowing the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to report said accounts held by these companies as both charged off and missed payments each and every month. This is fraud and unfair, misleading and abusive practices. Allowing these companies to reage and update the account as a missed payment is extortion! And it has a created damaging effects to my credit report and my way of life. This is illegal as they have reported the debt as a lost on their tax and still reporting my credit tell as charge off but allowing the company to extort me for more money by reporting late payments to the account. Said companies have already reported the income to my tax transcripts and income. Per the internal revenue code income can not be reported to a credit report. TAKE THIS OFF IMMEDIATELY! REMOVE WITHING 4 DAYS CONTACT THE COMPANIES AND HAVE THE FILE UPDATED PROPERLY FAILURE TO DO SO WILL RESULT IN A CIVIL 60 FOR SECURITIES FRAUD.. and a complaint into the attorney general for18 USC 894
Product: Credit reporting, credit repair services, or other personal consumer reports

Within my rights under the FCRA, I have mailed multiple request in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting XXXX, Experian and XXXX  to supply their method of verification for the 30 day late payment listed for the XXXX XXXX XXXX  ( Account Number beginning in XXXX ). According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give methods of verification within 15 days of your request after confirming the item was accurate. Neither credit bureau has supplied the information for the late payment. Instead I received additional copies of my credit report with no other information stating their verification method.
Product: Credit card or prepaid card

XXXX, XX/XX/XXXX : I open a {$1000.00} secured credit card with XXXX XXXX XXXX  to establish my credit score. 
XXXX, XX/XX/XXXX : I apply for a CHASE Freedom Unlimited Credit Card and get approved ; credit line XXXX XX/XX/XXXX : I move to XXXX to work in XXXX, where my parents live, to work there for a year. 
XX/XX/XXXX : I apply for the CHASE SAPPHIRE PREFERRED CREDIT CARD and get approved XX/XX/XXXX : I apply for the CHASE FREEDOM CREDIT CARD, because " I would qualify for it " as Chase advertises in my account XX/XX/XXXX : I close my secured credit card at XXXX XXXX XXXX, because I want to mainly want to use the new CHASE Sapphire credit card XX/XX/XXXX : CHASE closes ALL ( 2 ) my accounts. 
XX/XX/XXXX : I ask Chase Specialist for a review. It would take 10 work days. 
XX/XX/XXXX : CHASE doesn't re-open accounts ; it would be a risk, because I have no history. I explain I am traveling and want to start using the card. I have no debt and always pay my bills on time. But I don't get a chance to prove it and feel discriminated.
Product: Mortgage

Suppose to close on XX/XX/XXXX they foreclosed XX/XX/XXXX the documents are falsified and not real. I was scammed and dealing with XXXX XXXX and XXXX. Have left me hanging when this is time sensitive and we had a contract on a sale with contingent. My buyer sold their property to buy mine then we were left in limbo. Also had a claim that they will not honor. Giving me the run around nonstop. This was from 2005 I was inherited this house and debt. I was frauded with this. This isnt right Ive lived here 10 years this is my homestead. I went through probate court. Have all documebts to back this up. Noone will respond to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights .

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

On XXXX/XXXX/17, I received and alert that a new credit agency reported. I looked and it was Portfolio Recovery. Per FCRA guidelines they are to contact me prior to reporting this alleged debt. They have NOT. This has tainted my good credit history and my name.
Product: Checking or savings account

Bank of America closed my accounts without warning or cause in 2017, I was treated over the phone several times to unprofessional and abusive behavior by several Bank of America employees. And each response to my complaints have been watered down responses that did not address any of my concerns and instead continue to blame me when I did not have anything to do with what happened. My accounts were mishandled and they knew I had ID theft right around the time of these closures. Bank of America did not care or show concern at any time for what I experienced. Attached is a letter I wrote to the CEO Of Bank of America which I tried to send but never got a real address to send detailing the experience I endured at the hands of the employees involved. I am not saying money isnt owed and shouldnt be paid Im saying due to what happened I should not be held responsible due to the extreme trauma this caused. Bank of America does not have to have me back as a customer if they do not choose to but what they can choose to do is to show me some compassion after all I have been through and while I do not expect this to happen I am hoping there is someone who is willing to do something.
Product: Credit card or prepaid card

I keep receiving text message about my Lowe 's Credit card payment. I do not nor have i ever had a lowe 's credit card. 
XX/XX/2022 XXXXXXXX XXXX Text message states Synchrony Bank Payment Reminder. Pay at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Msg rates may apply. To opt out reply STOP
Product: Checking or savings account

I closed a CD account by phone at XX/XX/XXXX, and the representative told me a check will be mailed to me. I did not received anything in the coming three months. Until I went to the branch two more weeks later, they found out the apartment number was missing and promised a new check will be mailed out soon. The same thing happened again in a month later. I didnt received anything for half year long. I called, I emailed and I went to the banker and manager for some many times. This XX/XX/XXXX, they informed me this was the last time the bank sent out the check for me. Right now is XX/XX/XXXX, I still didnt received the check not even a latter for account closing. 
I have been coming to the branch repeatedly for the past year to try to resolve an issue I have been having. Not only was the banker unable to help me resolve the issue, they couldnt even point me in the right direction to get this issue resolved. After they explained that they were entirely unable to help me, they had the nerve to try to sell me other bank products entirely unrelated to solving my issue.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance in updating my personal information with Equifax, one of the three major credit reporting agencies. I have recently noticed discrepancies in my records and would like to ensure that my information is accurate and up-to-date. 
Below is my correct personal information : Name : XXXX XXXX Birthday : XX/XX/year>XXXX  Phone Number : ( XXXX ) XXXX Current Employer : XXXXXXXX XXXX XXXX XXXX Current Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Georgia XXXX I have already attempted to update this information directly with Equifax but have faced difficulties in doing so. Therefore, I am seeking your help in addressing this matter and ensuring the corrections are made promptly.
Product: Debt collection

In XX/XX/2021. I received a letter from Portfolio Recovery Associates reported that they took over an unfamiliar credit account to me from XXXX XXXX XXXX  due to the outstanding balance was {$2600.00}. This is very strange for me because I have never purchased anything from XXXX before. I believe that I am a victim of identity theft because I did not make any of those transactions and also did not authorize use of my name and personal information to anyone else except me. On the day I talked to my banker about the fraudulent transaction, I found out that my XXXX  credit journey has been checked out by some members of dark web society twice. They also tried to steal my XXXX password.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to XXXX, Equifax and XXXX. Enclosed was a copy of a letter, written directly to the Credit Union who holds the account in dispute requesting documentation as well as an affidavit to verify the legitimacy of the alleged account. 

I also explained to the bureaus that many of the transactions under the alleged account were commercial transactions and therefore, should not be reporting on my personal credit. 

Each bureau continues to report this account on my credit report without investigation. I also requested a full disclosure of my entire file and to provide me a copy of the written authorization or expressed consent given for them to report my intellectual property to their reports. 

See attached letter. 

All letters were sent certified mail also
Product: Consumer Loan

Bought XXXX XXXX XXXX XXXX XXXX-Chase Auto loan approved. Set up " bank auto pay '' w/Chase personal banker from my personal check acct.Then -traded in car for XXXX XXXX pickup XX/XX/XXXX.Called Chase personal banker to stop program XX/XX/XXXX - yet, Chase did n't receive dealership payoff until XX/XX/XXXX. Chase took additional payment ( {$350.00} ) from my personal ck acct on XX/XX/XXXX. 
In meantime - I had paid XXXX credit card monthly payments + XXXX XXXX ( new vehicle plates ) + XXXX ( prescription co-pay ) + grocery store + vehicle gas = total XXXX charges on my bank account= total {$330.00}. I left on veterans ' related business to XXXX ; before I realized Chase Auto Dept " ERROR '' - all XXXX charges I made were returned - NSF as Chase direct payment was processed prior to my XXXX legitimate charges. 
Through multiple phone calls, bank visits - finally Chase returned 'most ' of excess payment - yet it took couple weeks as funds were removed 'electronic ' and returned ' paper check via USPS [ {$350.00} removed & {$340.00} returned ]. After weeks of multiple phone calls later - Chase did cover portion of my bank NSF fees [ XXXX x {$32.00} = {$320.00} ] Chase covered {$190.00} on later draft sent USPS. They closed the case without finish covering balance of charges incurred by their " bank error ''. Most all credit card companies also charged " past due fees '' & " over-limit fees '' that compounded the snow-ball effect - when my payment to them were declined due to funds taken be Chase Auto. XXXX XXXX turned their NSF over to XXXX-Atty general office - collections dept with additional penalty. I yet to address XXXX NSF payment w/fees incurred. 
The last I talked to personnel @ Chase - office of the president - I was advised to " try to seek donation for our XXXX non profit veterans assistance " VETERANS FIRST ''. 
Efforts to contact proper department made with no success of Chase XXXX. 
Meanwhile - my credit reporting agencies have received notification ( s ) from my credit card creditors of NSF & past due. This lowered my XXXX scores from XXXX range to below XXXX made attempts to recover from Chase Bank Auto Division `` ERROR '' - yet, the resulting actions created problem that has gotten worse with the XXXX reporting agencies - XXXX +XXXX + XXXX XXXX XXXX Therefore - actions of Chase has caused great financial hardship compounded by emotional stress. 
I look toward CFPB for assistance - thank you for your consideration.