23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Thank you for having such an important way to protect people from Banks. I am filing a complaint against who XXXX XXXX, and how they handled my financlal hardship due to a Medical condition. I tried for over 6 months to get their attention to help lower my payments and stop the late fees and lower my interest rate. I have had this card for over 30 some years. It started 2015, I contacted this bank over 20 times to help me with reducing my payments and APR. I have been locked out of my account and sent to collections. I have names, telephone numbers and .. we are talking about XXXX .. This card was used for a divorce, and moneys while divorcing, moving, managing a child with XXXX and fighting my own XXXX  issues ... XXXX Doctors, over XXXX in out of pocket XXXX expenses, XXXX XXXX visits. I have made on time payments for over 30 years and last 7 months I stop making full payments to get their pathetic attention. I was lied to, insulted and treated less than anyone who is trying to pay their debt.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section.604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX  XXXX ) I DID NOT COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Payday loan, title loan, or personal loan

I started making payment on this solar loan in XXXX of 2022. I did not get any form of installation done till the start if XX/XX/2022. My panels and the services I agreed to are not functioning to this day, XX/XX/2022 and I have called to request the XXXX XXXX be put into place until all is functional. The bank is denying that such a rule exists in our contract and they are refusing to pause payment until my product and services are fully delivered and functional.
Product: Debt collection

To Whom you may Concern, I have recently been looking at my future to try establishing my credit to get resources that would hopefully help my future be secure, however I have come across complication on credit that is questionable and I need these to be corrected .I am in hopes that all things can be corrected and solved so I am able to move onward and upward to have better and greater future. 

Thank you in Advance Respectly, XXXX XXXX
Product: Debt collection

Texts to family members and previous roommates never listed on any documentation addressing them with my name. Exact text : XXXX, pay your XXXX XXXX account your way. Make your choice at https : XXXX or call XXXX. This text is from Halsted Financial, a debt collector. Reply stop to opt-out
Product: Vehicle loan or lease

XX/XX/XXXX Bought a XXXX XXXX XXXX from US Auto sales in XXXX XXXX, I think listing price was {$17000.00} ( way too much for the car, but I needed one ) Paid extra ( XXXX ) for 2yr service contract with XXXX that was never sent to them ( XXXX ) and GAP Waiver ( XXXX ). 
Car was ok for about 9 months then steering wheel started making noise when I turn, told it was a knock sensor from XXXX XXXX. Did not have the money to fix it then and actually forgot I had the service contract. Then in XXXX of XXXX the car made a loud pop and left me stranded. Not sure if it was the engine or not but when I tried to call the dealership, i was told the went out of business and was to contact Westlake Portfolio Managemnet. Did that and they said my loan was transferred but the service contract is discontinued when they bought the loan. And the service contract company is XXXX and they are suing US Auto sales too. So know they won't honor my service contract and won't return my email and I'm stuck with a car that doesn't run and they want me to pay.
Product: Credit card

In XX/XX/2023 I rented a car in XXXX, XXXX and return the car same location and finalized my rental payment and obtain receipt from XXXX Rent A Car for a payment of XXXX in Euro. Later on, I receive my American Express for an additional separate charge of {$65.00}. 

I called Merchant ( XXXX ) and I asked for explanation for the {$65.00} charge. The Merchant, XXXX, told me that was for a traffic citation. I asked for a copy of the citation from police, they did not have one. I asked XXXX how they charged me if they do not have citation, no expiations was provided. I told them since they do not have the citation and or proof, I will dispute the charges. 

I did file dispute with American Express, after about a month, merchant sent American Express my rental agreement with explanation of why they charge my account, WITHOUT providing any citations from police. As a result of this response, American Express took XXXX XXXX side and closed my dispute in favor of XXXX. I spoke to American Express to reopen the dispute but, they did not re-open the dispute, ( called on XX/XX/2023 at around XXXXXXXX XXXX, spoke to a person introduced himself as XXXX ).
Product: Student loan

I requested to go into forbearance but I was told I was n't eligble, I tried to pay the loan off and I was told I could n't pay the loan off that I needed to keep making payments. I asked Navient if I could get lower payments due to financial hardship and I was denied lower payments. Navient would n't work with me and it 's not affordable for me to pay, then because I was denied the opportunity to pay it off the interest is increasing on the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I will need to improve my credit score before I can apply for any loans in the future. Also saw some hard inquiries on my report that I did not make myself and that's making a big impact on my report. It's essential to have a good credit history to qualify for favorable loan terms and interest rates. I was hoping you could not apply for a car loan, but I could not. I was attempting to purchase a home and apply for a car loan, but I could not do so because of issues with my credit report. There shouldn't be any damages on my report since that is defamation of character by the 15 U.S.C. 1681 statute. 

I tried to remove these problems multiple times and they will not take it off. I tried contacting Experian but the company is not listening to me.
Product: Credit reporting or other personal consumer reports

This is my refiling complaint to TRANSUNION for still allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent accounts are still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a mortgage ( XXXX ) on my credit report as 30 days past due. However, this account was paid in full and closed on XX/XX/XXXX. It is XX/XX/XXXX - there is no way that an account that was paid in full over 5 months ago is currently 30 days past due! The incorrect reporting is hurting my credit score and impacting my ability to obtain new credit. I have contacted TransUnion numerous times about this, and they refuse to fix it. XXXX and XXXX are reporting the account correctly as paid, closed. You can review the account on my report more closely and see that TransUnion has never marked the account passed due ON ANY MONTH prior to the date I paid the account off. HOW IS AN ACCOUNT THAT HAS NEVER HAD A DELUQUENCY AND IS PAID IN FULL MARKED AS 30 DAYS LATE 5 MONTHS AFTER THE PAY OFF!!
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding Equifax 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX ( CFPB Complaint # XXXX ) and XX/XX/XXXX ( CFPB Complaint # XXXX ), I disputed several fraudulent accounts and provided Equifax with all necessary documents, including a valid identity theft affidavit ( FTC Report Numbers : XXXX, XXXX, XXXX, and XXXX ), proof of address, social, and a government-issued ID. However, Equifax failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedents, such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPB 's XXXX bulletin underscores Equifax 's failure to uphold consumer protections under the FCRA.
Product: Credit reporting or other personal consumer reports

I have requested the documentation that was being used to validate the account on two occasions, since the accounts are being shown as lost to the creditors, and there are also discrepancies between the three credit bureaus regarding the dates of opening, closing, and activity.
Product: Credit reporting or other personal consumer reports

I had received letters in mail from some collection agency in the past couple of years that I thought were fraudulent and did not respond to except for the last one a few months ago. I tried to call the number on the letter and got a different company. Seems like it was an energy company and not the company on the letter. I have never requested a personal loan from XXXX XXXX XXXX for {$300.00} or any other amount and decided it was a scam trying to get me to pay to get rid of them. I don't have any debt and pay my credit cards off monthly. 
Recently, XXXX XXXX XXXX put a negative comment in my credit report that I did not pay this debt, which was {$910.00} with fees and interest. It dropped my credit rating from the lower XXXX range to upper XXXX range. I assume they bought the debt or somehow ended up as a collector for XXXX XXXX. Bounce AI was contacted on XXXX and XXXX and told I was disputing the debt. They said they would put it in dispute and send information to my email address within XXXX hours but it was not received as of today ( I checked XXXX also ). 
I contacted Experian today to start a dispute and they had me start a fraud dispute with XXXX which directed me to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when reviewing my credit report and found a 30 day late payment reported for XX/XX/2020. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Product: Credit reporting or other personal consumer reports

My Experian credit report contains errors that should never have been reported in the first place, and I find this completely unacceptable. The presence of these inaccuracies raises serious concerns about the reliability of Experians reporting system. These mistakes are directly affecting my financial stability, and I refuse to let them go unchallenged. 

As a consumer, I have a legal right to a credit report free from false or unverifiable information. The Fair Credit Reporting Act ( FCRA ) mandates that all reported data must be accurate, and any errors must be corrected immediately. I am demanding a thorough investigation into these discrepancies and expect immediate corrective action. Delays will not be tolerated. 

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

On of approximately around XX/XX/2020, I XXXX XXXX XXXX contacted XXXX XXXX and TransUnion in reference to information reporting inaccurately especially when it is being furnished by a third party instead of the actual furnisher. I have made contact with the United States Bankruptcy Court in reference to my concerns as to did they furnish this information to the credit bureaus. They clearly informed me that they do not furnish information to the bureaus. The problem is, this information is not accurate. The court itself did not furnish any of this information to the credit bureaus. Also, the court does not furnish this information to third parties either. Providing false information as to who furnished information is a violation of the Fair Credit Reporting Act for reporting false information. I have provided documentation of proof that the courts do not verify the information directly with the credit reporting agencies. XXXX has already done its due diligence by removing this inaccurately reporting information from my records.
Product: Credit reporting or other personal consumer reports

after reviewing my credit report, I see my credit report having been file incorrectly the payment history is not right which I never been late for this account, because of wrong information remove account of my credit report. I updated an attached file
Product: Payday loan, title loan, personal loan, or advance loan

I have paid ridiculous amounts of payments to them and called them to see what the Payoff was and it was more than the loan I took out. They are charging unethical amount of interest.
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. 


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 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: Credit reporting or other personal consumer reports

Errors in billing and reporting are unfairly damaging my credit. According to TILA ( 15 U.S. Code 1666 ( b ) ), creditors are obligated to accurately report payments and credits, but this has not been the case. Payments I made were either not recorded properly or miscalculated, and I was never given the mandatory 21-day notice before a payment was due. As a result, late payment marks have been incorrectly added to my credit report, which is both unjust and a violation of federal law. These inaccuracies are causing unnecessary harm to my financial reputation and credit standing
Product: Credit reporting or other personal consumer reports

I tried o work with this company they keep.emailing me about this debt that is not mine there name is financial recovery services
Product: Debt collection

I have been receiving calls at my place of employment. I am a XXXX. They were calling my cell phone then they stopped and started calling my employers phone number. I 've told them to stop and explained that this was n't my phone and my place of employment. 

They are rude on the phone demanding personal information, and explanations. They are looking at my credit report and telling me I should be able to pay. They do n't listen, they ask why ca n't I pay. when I tell them that that 's none of their business they say yes it is.
Product: Money transfer, virtual currency, or money service

A cash app account was opened using my information
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. 
# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : XXXX. XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX Date of Inquiry : XX/XX/XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 
# # # Inaccurate Collection Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : Fraudulent Accounts in Collection : XXXX ) XXXX XXXX Account Number : XXXX XXXX ) XXXX XXXX XXXX Account Number : XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. 

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Checking or savings account

A check for {$16000.00} was deposited in XX/XX/2023, Chase put a hold on the check as well as restricted my account the following day. They sent me a virtual letter following a physical letter stating that I need to call them or they might close my account. I called the same day and was told they needed to call the maker of the check to verify it. After providing the makers phone number, I was told it isn't 'verified ' and that I have to wait 7 days for the check to clear to access the funds. As expected, the funds cleared within the 7 days, but the restriction wasn't lifted on my account. On XX/XX/XXXX, I went to my local branch to see why and they told me they still need to verify the check by phone, which they were unable to do because the maker out of US territory and the phone number was not a " verified '' number. I was informed that I could also wait for the account to close so that they could send the funds back to the origin ( maker ) so that they could wire it after reopening my account. I came back to the branch on the XXXX, and they told me they would release the funds and I have to call back within 3-5 business days to begin the process. I patiently waited, and I called them back on XX/XX/XXXX, and was told that the funds will not be released until they can speak to the maker, even after I provided phone numbers, etc. On XX/XX/XXXX, I went to a local branch with one of the makers of the check, we both provided our identification however we we're still denied! Was told the only option is to verify the check over the phone, and that Chase would hold on to the funds until they can verify by the phone. The manager also informed us that they use XXXX to verify phone numbers, so the maker promptly contacted their cell phone provider to confirm everything is up to date. I later reached out to Chase escalation department and was told the same runaround, that Chase needs to verify the check by phone, and the number has to be verified by XXXX. We tried to get the funds recalled, and we're unsuccessful since Chase removed the funds and are holding it. The maker had went to his branch too to see if this can be resolved from his end, with no avail. So, this is over 4 months with neither I or the maker that has access to over {$12000.00}! This is just ridiculous an honestly feels like a con or scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered I was identity thefted XXXX, and discovered accounts that are not mine or fraudulent charges. I have disputed accounts several times and I get ignored. It has caused me to be homeless.
Product: Vehicle loan or lease

the car loan was opened without my knowledge. The company is XXXX XXXX XXXXit was opened in XX/XX/XXXX XXXX XXXX. I sent them all information to have it removed immediately.
Product: Payday loan, title loan, or personal loan

Im at writing a complaint in regards to a loan ( for {$900.00} XXXX I took out with mountain summit financial. Spoke with XXXX ( XXXX ) and she said it will cost {$13.00} daily interest to my payments. I refuse to believe they can charge this much. Ive paid so much interest and they are stating I still owe {$1000.00}. 

I have asked for loan documents and they will not provide me with a copy. 

Im very upset that they operate this way. 
I dont trust this company ( if they are a real company XXXX My previous loan with them for {$900.00} Ive paid over 100 % in interest and Would like a refund. 

They wont send document/evidence of the loan to me at all and this concerns me.
Product: Vehicle loan or lease

To whom this may concern, I purchased a new vehicle with XXXX XXXX XXXX XXXX on XX/XX/2022. I took the car in for service three different times. ( XX/XX/2022, XX/XX/2022, and XX/XX/2022 ) On the third visit, I was informed the vehicle had a nail in the tire. I was also informed replacement brake pads, and rotors are needed. The brake pads are on backorder. The car is under warranty, and I am being charged a full monthly payment ( XXXX ) while parts are being ordered for my vehicle. I have tried speaking with customer service to resolve this issue, but there is no resolution as of date. I was informed by one of the supervisors as long as the vehicle is in my possession the vehicle is not considered down or qualify for any credits. I would like further assistance into this matter.
Product: Checking or savings account

When I first open my high yield savings account with capital one, my interest rate was at a 4.3 % and they lowered the interest rate without my knowledge to a 3.80 %