23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

EVERY month when I try to pay my Amazon account which is with Synchrony Bank, their automated telephone system does not work. It cuts out REPEATEDLY, often at the most critical juncture. I have complained to customer service numerous times, but it has been this way for at Least 6 months. They are doing nothing about it. Payments can not be made via telephone although their statements indicate payments can be made this way and EVERY other credit card has this service. It is a misrepresentation.
Product: Credit reporting or other personal consumer reports

I received reviews my XXXX and XXXX accounts and a removed collection account remain. XXXX XXXX  ( Debt Collector ), remains and has recently sent an itemized bill containing service received from medical provider which is a FCRA/HIPAA violation . My rights are being violated, not only since they can not verify the debt or produce a 1099c. I'd like this to be removed from my remaining credit files from XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items. 
2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXXXXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX ( collection account ) I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. fraudulent account open while in prison letters to collection company and bureaus back in XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am in the process of purchasing a home and after viewing my report I see that there are damages on my report. I have tried to resolve this, but nothing is changing. There are late payment being reported and in accordance with the Fair Credit Reporting Act the XXXX, Transunion, and XXXX has violated my rights under 15 USC 1681 section 6 of 2 states I have the right to privacy ( 15 USC 1681 ( section 6 of 4 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under under15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I have contacted Discover Card regarding my account on several occasions, either by phone or by email. The last two email regarding this issue was on XX/XX/2019 ( reference # XXXX ) and XX/XX/2019 ( reference # XXXX ). 

The issue is that my account had originally been locked while I was enrolled in a payment plan. I could not afford the payments at the time and they helped by reducing my interest rate to 9.99 %, which lowered my payment. The stipulation was that my account had to be locked, which I was 100 % fine with since they were helping me. 

The problem is when my payment plan expired, my account remained locked but my interest rate jumped back to 19.99 %. As of this filing, my account continues to be locked and my card unusable - but I'm paying on an interest rate that is applied on the presumption that the card is usable. As of this email, I can not use the card and Discover will not unlock it. 

My money is going to nothing that I can use! I'm paying over {$300.00} towards a balance that I can not use if I had an emergency.
Product: Credit card or prepaid card

I sent the gift card to someone and they can't be able to redeem it. I emailed Google, the credit card and the XXXX XXXX won't help me with my situation. In attachment document... I have proof that there is no XXXXXXXX XXXX gift card. on XXXX XXXX account. Then XXXX response was send her a card so she can redeem it. I told them that we aren't going to redeem it, we want our money back. They won't refund. 


They didn't warn me on website that this card isn't like the other gift card. They didn't explain what this gift card is on their website. 

They didn't explain what redeem is ... and how to operate it. I don't know how to use it. 

I thought that I can use it to transfer to my bank account. I thought it was like XXXX gift card. 
XXXX gift card maybe the same way now, because I have never bought their gift card. 

I am XXXX XXXX XXXX female and I do not want to use this to play games that I won't enjoy at ALL. I don't know anybody I can give it to .... I don't know if anybody play games on google play on cell phone. 

I need my refund back... they need to figure out how to cancel this gift card, because this isn't fair. 

I don't want my {$500.00} to be stuck on this gift card. They didn't even mail me a gift card... I don't know how to use this... Please help me. 

Look at XXXX 's account... there is no gift card on there... 

I sent the gift card to XXXX 's email account. 

My email account is XXXX XXXX won't talk to me.
Product: Vehicle loan or lease

Hello- my son was in an accident on XX/XX/XXXX. The vehicle was deemed a total lost and the finance company XXXX Regional Acceptance Corporation ) was issued a payment for the total loss on XX/XX/XXXX. There was a remaining balance and the XXXX claim was initiated. Regional informed me, initially that they would be starting the claim. I followed up weeks later to learn they had not and sent documents to the XXXX company. I sent documents only once. I made numerous calls to regional from XX/XX/XXXX- XX/XX/XXXX to inquire of the status. I continued to receive calls demanding payment. I did not understand why I would receive calls when there was XXXX  coverage. I requested for Regional to not call me to harass and demand payment. A printed out line by line statement shows that Regional continued to charge interest and late fees on this account. Regional then charged the account off on XX/XX/XXXX. They received the XXXX payment on XX/XX/XXXX and continue to insist that I pay the interest and late fees accrued. I have asked that they be fair about this. In total Regional received {$19000.00} for the vehicle. The accident was no fault of their customer ( my son and I ), yet, they have negatively reported us to the credit bureaus for late fees and interest they have charged. I ask that this be looked in to and resolved for fairness to the consumer. Thank you.
Product: Credit reporting or other personal consumer reports

I went to XXXX XXXX XXXX XX/XX/year> with the purpose of looking at a vehicle, and possibly purchase. For them to give me the numbers I was looking for they had to do a credit inquiry, which I approved. I did not like the offer, and the numbers they gave me, so I left. On the following day XX/XX/year>, I got a message from my financial institution that there was a possible unauthorize hit on my credit report. It showed that it came from Hyundai Capital America. 
Cause of life issues, I wasn't able to contact Hyundai right away. I contacted what I thought was the corporate office, at the end of XXXX. I have been given the run around ever since then. 
I had emailed the General Manager of XXXX XXXX, XXXX XXXX, and I left a message for Assistant General Manager XXXX. Then today, I talked to a XXXX XXXX, who told me that they are not able to remove the hit, and try to blame another financial institution. Which I told him multiple times that if it were another financial institution it will show that entities name, however it is showing Hyundai.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Payday loan, title loan, or personal loan

I am not sure why the CFPB  is in existence. 
This is merely a paper push cloud of a record. The CFPB and its contracted employees do not read the complaints. Only the bank I am filing the complaint has complete control over there lying and egregious behavior. 

I paid this loan off early and charged for doing that! When I made the last payment and logged in I was told to pay {$180.00} than the nerve of XXXX XXXX Just a lying unethical XXXX XXXX  I am going to report him to XXXX XXXX DC to every XXXX  so he is put on the radar and not do this to other people. 

Than the statement showed I short paid! Why would I short pay! Its absolutely absurd and dealing with XXXX  people who think its ok to lie and actually think they are going to get away with it. That is not going to happen XXXX XXXX is an XXXX who is XXXX  in a XXXX end job and has a personal vendetta against me. I am going to file legal against him for trying to charge fee, interest stating I short paid the loan and still not reporting my loan is paid in full at a zero balance. 

This person is going to take full accountability for his actions and what he did to me in the last three years. Total banking violations. 
I am mailed I paid off my loan but yet these XXXX  can not report its paid to all three credit bureau. I do not have a payment of {$220.00} or any other payment for that matter. This is a complete banking violation and once again filing another CFPB complaint. I am reporting to XXXX XXXX at the OCC and every other top official so TD and this person does not abuse anyone anymore or think they have power to extort fees, interest, lie about a short pay! XXXX XXXX I will make sure your name in the banking world is red flagged and you are put on complete radar with your egregious behavior. Shame on you.Your unprofessional, you lie right through your XXXX teeth. It will not be tolerated any longer. Your angry because your in a XXXX end job and TD Bank XXXX
Product: Credit reporting or other personal consumer reports

I recently reached out to Transunion in XXXX and XXXX of XXXX regarding information and items on my credit profile that were inaccurate, outdated, and even fraudulent in nature. I have reached out to try to correct this a couple of times since my original request. They willfully neglect my requests for correction of the information and now I find myself needing to make this complaint. According to XXXX XXXX Transunion XXXX, Transunion is required to ensure MAXIMUM POSSIBLE ACCURACY. Because they refuse to comply and remove the information that I requested to have deleted, my credit report violates these laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ), and 15 USC 1666b . I have incorrect names, address, phone numbers, employers, and inquiries which were allowed without a permissible purpose or written authorization from me. All inquiries NOT tied to an account that are 30 days or older must be deleted immediately.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TRANSUNION. I believe this late payment is an error, and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a viol
ation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation of my credit report and found several items on there to be inaccurate. These item are reporting three times for the same company. Two as being paid and closed and another that I, the consumer, is unaware of. 
Under the FCRA 15 U.S Code 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a charged off account on my reports. I have disputed this account both with the credit bureaus as well as directly with XXXX XXXX XXXX and have yet to hear back from either of them. Furthermore, XXXX XXXX XXXX is verifying this inaccurate account with the credit bureaus and each bureau is reporting multiple inconsistencies concerning this debt such as, different account numbers, different last active dates as well as different last payment dates. How is this account able to be verified if they arent even able to reports a validate consistent information on my reports? They are in clear violation of my rights as a consumer to dispute inaccurate information from my reports as well as report inaccurate information on my credit report. I am requesting that this account is deleted from my credit reports and all documents concerning this account be mailed to my address!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following account from my credit report, as I am a victim of a data breach. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to request the removal of unauthorized or fraudulent information from my credit file. 
Account to be blocked and deleted : XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$570.00} Inquiries to be blocked and deleted : XXXX  XXXX Date of Inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Requested a cycle of " methods of Verification '' dispute notices only to be ignored, as an automated computer generated " verified '' pursuant to the FCRA procedure in case of disputed accuracy section, 15 USC 1681i ( 7 ) This agency has violated my consumer rights and violated federal law under the premises purposes section : there's proof in 15USC 1681b ( 2 ) of the fair credit reporting act. 

Please see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to XXXX Dealership inquire on car to test drive. However I told dealer multiple times to please do not pull credit, I only want to test drive. Dealer pulled credit anyways. I also told them I would Not be financing through them and not put application through however the financed car anyways. Not sure through what lender. Lender called me as I also told them I wouldn't be financing through them and do not proceed with process. As I pulled my XXXX XXXX report I see inquires for that day from . I didn't authorize any of those lenders to pull my credit. Not sure how they got my information .  XXXX XXXX XXXX XXXX, MIXXXX(XXXX) XXXX XXXX XXXX, MNXXXX(XXXX) XXXX XXXX XXXX, NVXXXX(XXXX) XXXX XXXX, RIXXXX(XXXX) XXXX, TXXXXX(XXXX) XXXX
Product: Money transfer, virtual currency, or money service

Last year around XXXXXXXX XXXX XXXX  I was promised tickets to a game by someone and they had requested money over a digital currency platform. The tickets ended up being fake and the money was already sent. Despite being scammed the company had no regulation against this situation and was not able to issue a refund and the money was gone. I looked through forums and their website and nothing could be done. It was a lesson learned but learned lessons should not be at the cost of my assets.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have check my credit report it now shows my credit has drop by 71 POINTS!! and the only changes are XXXX XXXX  Between XX/XX/2019 and XX/XX/2019 the following remark was added to this account : Consumer disputes - re investigation in progress, XXXX XXXX : Between XX/XX/2019 and XX/XX/2019 the following remark was added to this account : Consumer disputes - re investigation in progress, THESE two disputes have decrease my score, I can NOT win with your company it seems as when I dispute these accounts I'm being hurt because of it, my credit score should NOT be affected due to opening two disputes again, Please correct and fix this error done by company.
Product: Vehicle loan or lease

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I submitted a pre-approval application for a car loan with Capital One Auto Finance on XX/XX/2022. I was informed by Capital One that they were unable to provide me with an offer. I received an adverse action letter, as defined by 15 U.S. Code 1681m, stating that I was denied due to " excessive obligations in relation to income ''. As stated in 15 U.S. Code 1691 ( a ), it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. The adverse action letter that Capital One provided clearly demonstrates that I was discriminated against as a federally protected consumer. An adverse action, as defined in 15 U.S. Code 1691 ( d ) ( 6 ), is a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. This further supports the fact that I was violated as a federally protected consumer under Title 15 Chapter 41 and that it is unlawful to deny me an extension of my own credit. It has been more than 30 days since I sent a letter to dispute this adverse action and I have yet heard from Capital One Auto Finance.
Product: Debt collection

Receivable Solutions has reported incorrectly. Each time we try to talk to them we get threatened. Last year they had reported duplicate accounts. Now those accounts are removed and XXXX account has been reported of over {$6000.00} the dates are wrong and the amount is wrong. Yet they will not talk with us even in order to set up payment schedules.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly updated. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report on XX/XX/XXXX where I had noticed inaccurate Information. They are saying a XXXX  XXXX I had made a hard pull with on XX/XX/XXXX. This Is totally Inaccurate and fraud. I never signed anything and this was never authorized by me. I do have an account with XXXX  XXXX but this situation is fraud.
Product: Credit reporting or other personal consumer reports

I reject your decision to decline my identity theft claim. What gives you the authority to decide if I've been a victim? You do not possess the legal standing or any right to make such a determination. If you continue to deny my claim, I will enlist the assistance of my attorney to seek a legal resolution. It's crucial to emphasize that my identity theft claim fully adheres to the law. I have submitted an official report to a federal agency as dictated by legal procedures. Let 's collaborate to resolve this issue within the stipulated XXXX timeframe. I insist that you recognize that my identity theft claim has been meticulously processed in strict accordance with the letter of the law. I have diligently submitted an official report to a federal agency, as required by the legal procedures governing such matters. There is no room for ambiguity here. XXXX  XXXX XXXX XXXX. Please remove this fraudulent account ASAP.