23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I inquired about the validation of the transaction and was informed that XXXX provided supporting documentation indicating a cancellation of the subscription on XX/XX/XXXX. However, this contradicts the evidence I presented, which clearly shows XXXX confirming the cancellation of my subscription on XXXX. 

Adding context, on XX/XX/XXXX, I received an email about an update to my water filter subscription, despite it being canceled by XXXX. Subsequently, on XX/XX/XXXX, a charge appeared ( which I disputed ), followed by my contact with XXXX  on XX/XX/XXXX, where they claimed the XX/XX/XXXX charge was for the last filter before my supposed cancellation on XXXX. This seems improbable, given that the last water filter I received was in XXXX. 

Despite my efforts, they refused a refund, prompting me to initiate a dispute with Discover. Notably, I possess video documentation of my conversation with XXXX on XX/XX/XXXX, submitted as screenshots to CFPB, as they declined to provide me with a copy via email.
Product: Money transfer, virtual currency, or money service

In XXXX, I filed a claim with Zelle due to a scammer from the XXXX app. I reached out to the person via XXXX to order a service and paid them {$XXXX} and when it came time to receive said product, I got no response and was blocked. The transaction was completed through Zelle and they advised me to file a police report along with the XXXX XXXX  app. I completed those steps and was told that there was nothing else that could be done. I even went further to submit a small claims report and still didn't get any results.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shown active as of XXXX when the actual closed account was in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt # 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 an account without my written instructions.
Product: Student loan

I have been trying to contact aidvantage for several days to get information about my student loan balance and some other questions. I have called numinous times. The hold time is over an hour, and when I am finally connected to a service rep. I am quickly disconnected. 

The one time I was able to speak with a customer service provider 100 % of the information that was provided was false. Including the phone number to FSA.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, when I was trying to transfer money from XXXX XXXX  account to Robinhood, initially I entered {$75000.00} and before I submitted the transfer request, I went to double check my XXXX  balance. With the balance I have, I decided to transfer {$65000.00} and when I switch to Robinhood app, the unsubmitted {$75000.00} interface was gone. So I started over and transferred {$65000.00}. A few days later on XX/XX/year>, my XXXX XXXX  gave me alert that there is a overcheck. 
Then I checked with Robinhood, found that they executed the {$75000.00} transfer which was not submitted, and they will finalize the transfer on XX/XX/year>. I decided to call Robinhood customer service to request them cancel the transfer and investigate this case. However, they refused to cancel and was not able to promise an update from internal investigation.
Product: Credit reporting or other personal consumer reports

I CHALLEGED THE ACCURACY OF XXXX XXXX XXXX BEING REPORTED ON MY CREDIT REPORT. THE ORIGINAL CREDITOR IS BASED IN OHIO. i AM A XXXX  XXXX & I AM A VITCIM OF IDENTIY THEFT. UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> My information may have been impacted by the Equifax, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person
Product: Debt collection

Wed, XX/XX/XXXX at XXXX XXXX  FINAL DEBT INFORMATION. 

LAWSUIT COURT NOTICE_PAY_DAY_LOAN DUE AMOUNT CASE FILE TRANSFER TODAY FDCP ACT-811 ( 15 USC1692I ) Lawsuit Cost - {$2400.00} ( Including Attorney Fee/Court Fee/All Taxes ) Creditor Name : Ace Cash Services. 

Total Due Balance : {$890.00} SETTLEMENT {$320.00} TODAY XXXX XXXX Ace XXXX & Legal Department XXXX XXXX | Privacy | Terms of use
Product: Checking or savings account

I havent been able to access my Citibank account for 2 weeks before XXXX I got in contact with bank as soon as I realized I couldnt use My card. I spoke with an agent and the representative said my account was under a fraud block and that the account was referred for closure. I was trying to see if I could open a new account to transfer my funds but they said I would have to wait for a letter notice in the mail, and that my check will be disbursed to me within 60 to 90 days of account closure the bank account is still not closed and its blocked I cant get to any of my funds which is exactly {$4200.00} in the account that they wont allow me to withdraw. The dates Ive called are expanded between XX/XX/XXXX and XXXX the days before my account was blocked by the fraud department. They wouldnt allow my to verify my identity because I had to change my phone number 2 weeks before because of personal reasons. They locked my account with no notices or statements regarding the state of my account being blocked at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that there are several late payments that are reporting on my credit report. I have been trying to get this issue seen about for months with XXXX, XXXX, and Transunion regarding the reporting of late payments. 

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ] ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumercredit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Late Payments that are reporting that shouldn't be : XXXX XXXX - XXXX Account # XXXX ) XXXX XXXX XXXX - XXXX Account XXXX XXXX ) XXXX XXXX - ( Account # XXXX ) XXXX XXXX XXXX - ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX - ( Account XXXX XXXX ) XXXX XXXX XXXX - ( Account XXXX XXXX  ) XXXX XXXX - ( Account # XXXX ) XXXX - XXXX Account # XXXX ) XXXX - ( Account # XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on all 3 major credit bureaus that I did not authorize over the last 18 months and as I have tried to work with the 3 agencies to remove them, they tell me I have to reach out to the creditor and have them provide documentation to me about the inquiries and how they need to be removed. These creditors have told me that I need to contact the bureaus and have them removed. The 3 bureaus tell me that I need to call the creditors to send me documentation saying that they will remove them or that the bureaus need to remove them. Which is it? Each party say i need to contact the other side! This is XXXX XXXX! I am trying to buy a home in XXXX and these hard inquiries are killing me right now. Please help!! 

Experian : 1. XXXX XXXX - Inquiry on XX/XX/XXXX - Not authorized 2. XXXX XXXX XXXX - Inquiry on XX/XX/XXXX - Not Authorized 3. XXXX XXXX XXXX   - Inquiry on XX/XX/XXXX - Not Authorized 4. XXXX XXXX XXXX - Inquiry on XXXX XXXX, XXXX - Not Authorized 5. Certified Credit Reporting - Inquiries on XXXX XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX - Not Authorized 6. XXXX XXXX XXXX  - Inquiry on XXXX XXXX, XXXX - Not Authorized 7. XXXX XXXX XXXX - Inquiry on XXXX XXXX, XXXX - Not Authorized XXXX  : All NOT AUTHORIZED!! 
1. XXXX XXXX - Inquiry date : XX/XX/XXXX 2. XXXX XXXX - Inquiry date : XX/XX/XXXX 3. XXXX XXXX  - Inquiry date : XX/XX/XXXX 4. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 5. XXXX  XXXX - Inquiry date : XX/XX/XXXX 6. XXXX XXXX - Inquiry date : XX/XX/XXXX 7. XXXX - Inquiry date : XX/XX/XXXX 8. XXXX - Inquiry date : XX/XX/XXXX 9. XXXX XXXX - Inquiry date : XX/XX/XXXX 10. XXXX - Inquiry date : XX/XX/XXXX 11. XXXX - Inquiry date : XX/XX/XXXX 12. XXXX XXXX - Inquiry date : XX/XX/XXXX 13. XXXX - Inquiry date : XX/XX/XXXX 14. XXXX - Inquiry date : XX/XX/XXXX 15. XXXX XXXX - Inquiry date : XX/XX/XXXX 16. XXXX - Inquiry date : XX/XX/XXXX 17. XXXX - Inquiry date : XX/XX/XXXX 18. XXXX XXXX - Inquiry date : XX/XX/XXXX 19. XXXX XXXX - Inquiry date : XX/XX/XXXX 20. XXXX - Inquiry date : XX/XX/XXXX 21. XXXX XXXX - Inquiry date : XX/XX/XXXX 22. XXXX - Inquiry date : XX/XX/XXXX XXXX : All Not Authorized 1. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 2. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 3. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 4. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 5. XXXX - XXXX - Inquiry date : XX/XX/XXXX 6. XXXX XXXX  - Inquiry date : XX/XX/XXXX 7. XXXX - Inquiry date : XX/XX/XXXX 8. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 9. XXXX - Inquiry date : XX/XX/XXXX 10. XXXX XXXX - Inquiry date : XX/XX/XXXX 11. XXXX XXXX - Inquiry date : XX/XX/XXXX 12. XXXX XXXX - Inquiry date : XX/XX/XXXX 13. XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX Please help me with this. This is ridiculous and no one on either side seems to want to help. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the information on my XXXX credit report regarding the account mentioned with HYUNDAI CAPITAL AMERICA. The reported account status as " Account charged off/Never late '' is inaccurate and misleading. I am requesting a thorough investigation to rectify this error. 


I hereby dispute the following : Account Information : Account Name : HYUNDAI CAPITAL AMERICA Account Number XXXX XXXXXXXX Type : Auto Loan Date Opened XXXX XXXXXX/XX/XXXX Date of Status XXXX XXXXXX/XX/XXXX First Reported XXXX XXXXXX/XX/XXXX Responsibility : Joint Status : Account charged off/Never late. {$3800.00} written off. {$3800.00} past due as of XX/XX/XXXX. 


I dispute the accuracy of this account status for the following reasons : Payment History : Contrary to the reported status of " Account charged off/Never late, '' I have consistently made on-time payments as per the terms of the 72-month installment loan. Specifically, in XX/XX/XXXX, I made a payment of {$2900.00}, with the intention of adhering to the regular monthly payments of {$580.00} for the remaining term of the loan. My payment history has been characterized by diligence and punctuality. 


Discrepancies in Account Balance : I have received correspondence from Hyundai Motor Finance ( HMF ) indicating that a settlement payment of {$23000.00} was received from XXXX XXXX on XX/XX/XXXX, which was subsequently applied to my account balance. Additionally, they noted refunds for ancillary product cancellations and other account credits totaling {$3500.00}, resulting in a balance of {$3800.00}. However, I have not received comprehensive information regarding these transactions, and I am concerned that they may have been inaccurately calculated or applied. 


Missing 1099-C Form : Furthermore, I would like to bring to your attention that HYUNDAI CAPITAL AMERICA has failed to provide me with a 1099-C form for the written-off amount of {$3800.00}. This omission is significant as it should result in the reported balance being zero, in accordance with tax regulations. 


I earnestly urge you to take prompt action in updating my credit report to accurately reflect the details of my payment history and resolve the discrepancies presented. Given my consistent record of responsible financial conduct and adherence to the payment schedule outlined in the original agreement, it is crucial that my credit report accurately reflects this information. 


I kindly request that you conduct a thorough investigation into the accuracy of the reported account status, the handling of insurance proceeds and account credits, as well as the missing 1099-C form. As per the Fair Credit Reporting Act ( FCRA ), I understand that you have 30 days to complete this investigation and provide a response.
Product: Credit card

I applied for the Savor card with a {$250.00} sign on bonus. I was never explicitly told I was not receiving the sign on bonus when my application was immediately approved. I have been spending {$3000.00} on the account in just over a month under the assumption that Id get the money for the holiday season, but apparently I am being told that the snuck the new terms into my approval without explicitly getting my informed consent. This is frankly shady business practice and makes me feel like I had {$250.00} stolen from me. I can not imagine that this coercion into accepting a different program than what you applied for ( with an IMMEDIATE approval for which makes you think that you got approved for what you applied for ) is ethical. I feel truly hoodwinked under shady business practices and am especially gutted to get this apathetic response from Capitol One during the holiday season.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts on my TransUnion report have factual information that conflicts with XXXX and XXXX reports : XXXX XXXX XXXX Account XXXX XXXX : a ) TransUnion lists the account as 30 & 60 days late in XX/XX/XXXX & XX/XX/XXXX ; XXXX indicates XX/XX/XXXX & XX/XX/XXXX ; b ) Account last updated shows XX/XX/XXXX, XXXX says XX/XX/XXXX XXXX c ) Account closed indicates XX/XX/XXXX, XXXX lists account not closed. d ) Account type shows credit card, XXXX says line of credit. 

XXXX XXXX XXXX Account XXXX XXXX : a ) TransUnion lists the account as 30 days late in XX/XX/XXXX ; XXXX indicates 30 days late in XX/XX/XXXX. b ) Account last updated shows XX/XX/XXXX, XXXX says XX/XX/XXXX, XXXX says XX/XX/XXXX. c ) Account closed indicates XX/XX/XXXX, XXXX lists account not closed. d ) Date of last activity shows XX/XX/XXXX, XXXX shows XX/XX/XXXX, XXXX says no date of last activity.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received XXXX emails from XXXX XXXX alerting me that there had been a change to my XXXX credit report. I logged into my XXXX XXXX account and saw there were two credit inquiries on XX/XX/year> that I did not recognize or authorize. One inquiry shows its from XXXX XXXX XXXX and the other shows its from FIRST HELP FINANCIAL. I called XXXX XXXX XXXX and they confirmed they did run a credit check for someone with the same name and birthday as me but she had a different social security number. They did not have a solution on how to stop this from negatively affecting my credit score, and suggested I file a dispute. These two inquiries were not made by me or for me and were not authorized. They are negatively affecting my credit score and I would like the inquiries removed.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX both equifax and XXXX were notified that they had 15 days to stop publicly furnishing private information of mine. Its been well over 31 days actually. XXXX XXXX company was the only one who updated my account via equifax but XXXXXXXX XXXX XXXX XXXX and XXXX are all credit card companies who sent my public information to a 3rd party ( all 3 CRAs ) to furnish publicly. Furnishing recent and high balances is a ftc violation an fcra violation and invades my privacy rights. If my limit is {$800.00} XXXX is not allowed to publicly furnish transactions and experiences over {$800.00} they are guilty alongside Equifax and XXXX this violates the Privacy Act of Consumer Financial Information XXXX of the Gramm Leach Bliley Act. According to FCRA 15 U.S.C. 1681 ( a ) ( d ) ( 2 ) ( A ) ( i ) states consumer reports does not contain any report containing information solely as to transactions and experiences between the consumer and the person making the report. Transactions and experiences are the same as recent and high balances that CRAs furnish against my will which is an invasion of my privacy and these companies need to stop violating my consumer rights
Product: Debt collection

On XX/XX/22 I disputed credit information provided by Professional Credit Management to XXXX XXXX XXXX as inaccurate due to not being updated to reflect a bankruptcy filing that was filed XX/XX/22. Professional Credit Management Updated my XXXX, and XXXX file as accurate reflecting it being included in XXXX  XXXX bankruptcy, and/or having a XXXX balance however has not updated XXXX account information despite 2 attempts to dispute with provided case number, date of bankruptcy filing, and a written request to have it updated to a XXXX balance, or reflecting that it's included in XXXX  XXXX bankruptcy filing.
Product: Checking or savings account

I received an email stating that Capital One was experiencing some system issues that were preventing early and direct deposits. I didn't receive my early deposit and as of my actual payday have not received my pay. When I tried to call them I was disconnected by them XXXX different times and the XXXX call was on hold for XXXX minutes when I decided to file this complaint.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 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, credit repair services, or other personal consumer reports

The following are unrecognized credit inquires which need to be removed immediately. I suspect these inquiries may be fraudulent. 
: XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On Saturday morning, I went to access my bank account. However, the app told me that my account has been frozen and that I am supposed contact the security team for more information. However, no one has got back to me. It has been two days and my checking and savings accounts are still frozen.