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

I purchased the vehicle back in XX/XX/XXXX with PNC Bank financing sourced directly through the dealership. I never received an electronic log in or any paper or electronic statements when creating the car note. After making payments on time/early in person or over the phone for ~ 2.5 years, the rep on the phone gave me a one time pin to set up electronic payments to which I set up into the future over 12 months. 

Subsequently, I purchased a home in XX/XX/XXXX and have been dealing with a large renovation that has displaced me and my family. We have been staying with relatives for the past 6 months. Over the summer, my automatic payments ended as there was no option to set them up indefinitely. I did not notice that the car payments had stopped coming out as I had been occupied with other things like payments going to contractors and they had been automatic for such a long period of time at that point. 

The last payment ( confirmed this afterward ) was XX/XX/XXXX and I received no phone calls, physical or electronic statements, email notifications or any other attempts to notify me that payment was late or due until on XX/XX/XXXX when I received an alert from XXXX XXXX telling me I had a new 30-day late mark. 

I had no idea and immediately went down to my local branch and brought the vehicle loan current in full. While there, the branch manager noted that whoever set up my PNC Bank account did not enter in the correct phone number. She also noted that they had received a notification of change of address from the USPS ( I used there mail forwarding service ). I told her that I had not received any communication from the bank during this time and to this date, XX/XX/XXXX, I have never received a monthly statement showing me the balance of my auto loan. 

I asked the bank if they would remove the 30-day late mark as no attempt was made to contact me to notify me of a past due balance as well as no statement or evidence was provided to me alerting me that I wasn't paying them. They told me I would have to file a complaint and that they would not remove the mark. 

I also wanted to note that during the time of non-payment, even though I received no communications about the standing of my account, I received emails and physical mail from them asking me to open a HELOC or apply for a credit card. This is evidence that the bank did have a way to contact me.
Product: Debt collection

A debt collector with a return address of XXXX, KS has been sending collection notices regarding a judgement in some court in Kansas regarding a debt owed to a bank in Oklahoma. I have twice requested certified court documents to verify this judgement that the collector claims has been rendered in favor of the bank in Oklahoma. This collection agency ( initially named H. Kent Hollins and now is going by the name Hollins & McVay , P.A . ) since being located in Kansas and attempting to collect a debt from a Texas resident, myself, is required by Texas law to be registered and bonded through the Texas Secretary of State, which they are not. This has been brought to the attention of the debt collector and they continue to send collection notices.
Product: Money transfer, virtual currency, or money service

I awoke in the middle of the night on Friday XX/XX/XXXX just before XXXX and saw an email from Credit Karma XXXX XX/XX/XXXX XXXX that stated " we received your request to withdrawal {$9900.00} from your Credit Karma money save account. You should expect to see the money in your XXXX, A DIVISION XXXX XXXX XXXX XXXX  account ending in XXXX within 2-3 business days. '' " If you didnt initiate this withdrawal please contact us. '' I contacted them immediately and asked them that this was not me making the transfer and that they need to reverse it. They told me it that they couldn't reverse the transfer. I asked them to lock my account and they told me that they had to send this to a " team of specialists who were more equipped to help me. '' They also told me that I would need to call on Monday XX/XX/XXXX after XXXX as that is when someone would be able to help. 

I was sent an email and they had me answer a few questions. It was only a few days later I noticed that the email had a " request for return/Recall of funds from ACH transaction. They sent me a foolow up email asking for more info. I no longer have access to my Credit Karma save/spend account because they closed it. I told them that I can not fill out the form and asked them for help ( as I do not have any of the account numbers needed to fill out the form ) On Tuesday, XX/XX/XXXX, I received a XXXX debit card in the mail in my name. I never applied for it. I called them to report that I did not request this card. They closed this account and sent me a case number # XXXX ( XXXX XXXX  XXXX ) I have since filed a report with Identity theft.gov ( Report # XXXX ) I had a total of just over {$16000.00} in this account and so far, Credit Karma has only refunded me around {$6200.00}. I have heard nothing about what is happening with the {$9900.00} stolen from my account. This transfer happened literally within a few hours and I don't understand why they couldn't reverse it when I called in the early morning of XX/XX/XXXX. 

Credit Karma uses XXXXXXXX XXXX out of WV. I am not sure where XXXX XXXX XXXX  is located.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is not reporting accurately. The balance is off by {$14000.00}. Which as we both know is a very large discrepancy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  had reposted a paid debt that had been handled by Diversified Consultants located at DIVERSIFIED CONSULTNTS   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX  (  XXXX  )  XXXX  Overview You 've paid off 61 % of your collection amount.   Balance {$180.00} Highest Balance {$480.00} Opened  XX/XX/XXXX   ( 6  mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name  11    XXXX   XXXX   This has been paid in full and I called the debit collector about this statement more than once, and they assured me they submitted to  XXXX  as with   XXXX   and  XXXX  that the debit is paid, the only one NOT following federal regulations is  XXXX . I called  XXXX   XX/XX/XXXX  and spoke to a Supervisor who expected me to call the debit agency giving them permission to confirm i allowed  XXXX  to interact with them in inquiry to this dispute??? Really? How Evasive can you get??? Ive also turned  XXXX  into the FTC for fraudulent information, sabotage attempts, Damaging my credit and doing the same exact childish behavior  XXXX  did to me when I had the issue with  XXXX   XXXX .   These people are over seas incompetent twits and should not be allowed to handle consumers personal information as they are  apt to  destroy and ruin people intentionally.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proceed was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I did not give permission for these investigations and firmly suspect they're deceptive. I implore you to thoroughly look into them and swiftly delete them from my credit record.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX Balance : {$4800.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1600.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1200.00}, XXXX XXXX XXXX : {$180.00}, XXXX XXXX XXXX Balance : {$630.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX  XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Convergent Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency couldnt furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting 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, has violated my rights. 


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

WENT TO DEALER TO ATTEMPT PURCHASE OF VEHICLE REPORTED THAT XXXX WAS ONE CREDIT COMPANY PULLING MY REPORT I RECEIVED MULTIPLE UNAUTHORIZED INQUIRES ON MY REPORTS SINCE 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
Product: Credit reporting, credit repair services, or other personal consumer reports

TO Whom it may concern : I recently received a copy of my Experian credit report, and i noticed some late payments posted on my credit report : In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX  Account # XXXX, XXXX  Account # XXXX, 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. 15 U.S.C 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. 15 usc 1681 I ( 5 ) 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
Product: Credit reporting or other personal consumer reports

Equifax is reporting XXXX unauthorized Hard Inquiries to my Credit Report. 
All Inquiries dated from XX/XX/XXXX thru XXXX XXXX XXXX are unauthorized and therefore, should be deleted as soon as possible. 
Any assistance and / or direction regarding this matter would/ is definitely so much appreciated!!
Product: Student loan

To start out I have both private and federal student loans for going to XXXX in Arizona. When I first signed up they told me my credits were transferable, they would get me a job after I graduate and help as much as possible with financial aid which at the time sounded like a good thing. Half way through my XXXX program I went to my advisor and asked about going to XXXX they told me my credits actually did not transfer to Universities like they originally promised me. I was very frustrated so I decided to stop at my XXXX degree since I was only a semester away from it. Just for my XXXX degree I am XXXX in debt and that does n't include the money I paid out of pocket since I did n't qualify for some grants supposedly. Now I am going back to school and paying out of pocket since I am scared more student loans will harm me due to debt to income ratio. PLEASE HELP!!!
Product: Debt collection

I have proof of XXXX total in bill pay from XXXX  XXXX XXXX XXXX.No communication from XXXX XXXX XXXX  since I set up bill pay 10 months ago. I rec 'd a letter from a collection agency disputing my total payments and asks me to pay {$1300.00}. Where did this amount come from? Also, where did my XXXX bill pay go? 
Thank you for your help. 

Collection Agency is : XXXX XXXX XXXX , XXXX ( XXXX ) XXXX This agency is rude and is using intimidation..
Product: Credit card

I have used the Citi Costco credit card ( acceptable anywhere ) on XX/XX/2024 to pay {$300.00} at XXXX via XXXX. There was no disclosure anywhere in XXXX that fees would be charged for using a credit card, and others said that they were not charged anything extra by their credit cards. Citi slammed my account with a {$15.00} cash advance fee and interest charges. They also showed the transaction pending from XX/XX/XXXX to XX/XX/XXXX, when the statement was issued, so I could not dispute it in between. I called them to dispute it, but the refuse to remove the charges. Its very misleading to consumers. I did not know that cash advance is even an option for the credit card. They should have either denied the transaction or added more prompts, so customers are aware of the extra charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been attempting to dispute fraud on my credit report for months, experian keeps denying it and not blocking the information. 

their last resonse to me was for me to call some lady, and that number continues to go to voicemail. This needs to be taken care of. 

by the FCRA i just need to send the FTC affidavit ( which only allows 5 companies ) a copy of my id, and a bill with my name and address on it. 

they are also refusing to remove an XXXX account that is being reported wrong, even after I have sent them a copy of the administrative judges order. 

these fraudulent accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( n which i currently have an open fraud investigation with the FCC/FTC ) these need to be BLOCKED. 

of course I will be filing seperate complaints about each of these companies shortly..
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with Fair Credit Reporting Act XXXX 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 an account without my written instructions.
Product: Credit card

I XXXX XXXX XXXX sent out a request to open a line of credit with SAID company PNC BANK/ PNC FINANCIAL SERVICES GROUP INC and I believe there is a misunderstanding of my right and laws. I exercised my right to initiate the consumer credit transaction with SAID Company PNC BANK/PNC FINANCIAL SERVICES GROUP INC with SAID company PNC BANK according to 15USC-1602 in which I granted said corporation PNC BANK. I am well aware of my rights as a consumer and in fact the denial of my right by PNC BANK /THE PNC FINANCIAL SERVICES GROUP INC to extend credit is and has caused mental and financial distress.There are no federal laws that state a credit score can deny me of my rights to extend credit.Discrimination against an applicant and a credit transaction is a against law 15 USC-1691 15USC-1691 I demand your company reconsiders this matter and comprise with federal law.Please open the accounts in which I've extended credit and correct any adverse action taken on my credit report .I take my consumer report and credit matter very seriously and I hope this matter can be resolved promptly. In care of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX Failure to address this properly may lead to further legal actions .Thank you for your immediate actions to this matter .I expect a timely response and resolution.
Product: Debt collection

In XX/XX/2021 I received a phone call from Merchants and Medical stating I owed a debt, but didn't tell me who it came from, and I had to pay. I explained I had no knowledge of the debt and have never received any type of notification other than this very phone call. 

I requested documentation and proof of the debt be sent to my address and informed them I've lived at this location for 6 years. If they had sent anything, I would have received it. 

As of today I have not received any documentation of the debt, how much I owe and how to dispute it. Merchants and medical have placed the collection on my credit report without properly notifying me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

XX/XX/2019 To whom it may concern : I need assistance from the Consumer Financial Protection Bureau. I received a collection letter dated XX/XX/2019 from a collection agency by the name of Convergent Outsourcing , Inc . 

This collection agency is charging me for a fraudulent debt that is not mine, and I have never owed. 
The charges are fraudulent, and they are claiming that I owe a company by the name of XXXX XXXX , XXXX {$8000.00}. 

They have also listed another company by the name of XXXX XXXX XXXX as the supposed Original Creditor. 

I want to report this collection agency, as well as its cohorts for trying to defraud me. I have never done business with these companies and this debt is a scam. 

This company is slandering my credit as well as my name, and I want any collection account, or any derogatory information that they have placed on my credit files removed immediately, and I want hard copy proof on their letter head that, that has been done, as well as I want written proof that this fraudulent collection account has been permanently removed from their companies files. 

I also want Convergent Outsourcing, Inc., and it cohorts, to cease and desist from contacting me ever again with their fraudulent made up collection accounts. 

I looked up this XXXX XXXX XXXX and it appears that they and Convergent are working together to go after consumers with claims for fraudulent debts that they are creating, and the consumers do not owe, they are trying to get consumers to pay them for fraudulent debts. 

( Copy of collection letter has been uploaded for the CFPB to review )
Product: Credit reporting 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.U.S Department Education - XXXX U.S Department Education - XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX .After reviewing my credit report from all three credit bureau XXXX and noticed some things are incomplete, and not accurate. In Accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report.After investigation the credit bureau state my account was properly investigated, But how is that possible If the date last active is inaccurate, No. of months ( terms ) is inaccurate along with other inaccuracies and inconsistency. This Is ground for removal and also a violation under 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 : States A Consumer Reporting Agency CAN NOT Furnish A Account Without My Written Instructions