23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balanced : {$1200.00} XXXXXXXX XXXX XXXX  XXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00}
Product: Debt collection

I received an official debt collection letter from " The CBE Group, Inc '' address XXXX XXXX  XXXX, XXXX, IA XXXX. It states that I owe {$45.00} for account # XXXX to a company named, " XXXX XXXX '' dated XX/XX/21. 
I have no knowledge of this debt or the named company. I have no intention to pay this alleged debt.
Product: Credit card or prepaid card

XXXX XX/XX/2021 I transfered {$800.00} to a different email that was also my email but did not have a serve account linked or registered to the email. I have alerts that get sent to my phone when there is activity on my accounts. I have proof that the {$800.00} was subtracted from my balance and transfered and I never received it and it never got out back in my account. I have been told it was cancelled I have been told I received it. I have been trying to speak with the right person about this situation for over a year now. I have had a couple dispute numbers that when I call serve customer care they basically lie strait to me or tell me something different everytime and when I would actually get threw to a person that speaks half decent English and would take 5 min to look into my situation they would eventually hangup on me because they never had an answer why it clearly shows the {$800.00} dollars taken out and it was never received because the other we email was mine also. And I was told when it got cancelled the same day I made the transfer that it went right back on my account. But I have my balance sent to me everyday and if it takes up to 3 days to show up back on my account I have balance alerts 5 days after the original transfer I tried take showing that {$800.00} is subtracted from my account when you subtract all of my transactions that made. I have been hung up on lie to over a hundred times. I would have contacted this place a year ago but I clearly was not reading the small print. I was understanding that everytime I would ask for a technical support or a manger that they where supposed to help which they didn't. I have pictures of everything evidence showing my complaint. I am owed {$800.00} and have not been showed any respect or got any help on how to go about thiss
Product: Money transfer, virtual currency, or money service

I was selling husband 's log Splitter on XXXX, person requested setting up Zelle account for transactions and I did. Then gave him my name and phone number as his cousin was going to schedule picking it up and gave him my name and email for payment. He had my phone number for details. I received emails about payment coming through, from Zelle, but our account credit wasn't high enough for that large of payment, so the guy put in the extra {$500.00} with the understanding we'd pay him that back. Email required me to pay that to him first, I said that I'd be contacting my bank tomorrow as I didn't feel right about it. I have not lost money, but have his Zelle emails and XXXX name and the email I was supposed to use to pay on Zelle. I've screenshot all communication, too and since read the fine print for Zelle and the bank about it being for people who you know. He has too much of my information!
Product: Vehicle loan or lease

Leases a XXXX XXXX XXXX in XXXX, XXXX while I was living in XXXX  ( XXXX XXXX ) Hyundai Motor Finance holds the paper. ( XXXX XXXX XXXX, XXXX XXXX  XXXX, Ph XXXX ACC'T number XXXX ) I moved to XXXX  in XXXX, XXXX. The vehicle was registered in XXXX XXXX XXXX XXXX XXXX was shown as the lien holder. Monthly statements were sent to my XXXX address. 
In XX/XX/XXXX I decided to purchased the subject vehicle. I was instructed by Hyundai Motor Finance to obtain a payoff letter from the local XXXX XXXX. ( XXXX XXXX of XXXX XXXX, XXXX ; XXXX. XXXX ) Upon receipt of the payoff, ( Estoppel ), letter and other required documents I obtained a loan from XXXX XXXX XXXX to purchase the subject vehicle. A bank check in the amount of {$10000.00}, ( the amount stated on the estoppel letter ) was mailed on XX/XX/XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. XXXX, the designated address on the Estoppel letter. My XX/XX/XXXX statement from Hyundai Finance shows these funds these funds were received on XXXX. 

I have now been informed by Hyundai Finance that they are " refunding '' these finds to me, because the vehicle is " garaged '' in XXXX  and I will have to go through the dealership in XXXX where I originally leased the vehicle. 

First, I have know idea what they mean by " garaged ''. They knew of should have known the vehicle is in XXXX, base on the fact that it is registered here, and because of the monthly statements coming to my XXXX address. 
Second, there is no mention of this requirement in the Estoppel, ( payoff ), letter. Now it has been awhile, but if my memory serve me correctly the purpose of obtaining an Estoppel letter is to prevent any further claims from be asserted. You get one bite at the apple. 

I have met all the requirements of their Estoppel letter, therefore the remedy I am seeking is to get a clean title in order that I may add the new lien holder, XXXX XXXX XXXX. 

It is grossly unfair to require me, without prior notice, to deal with a dealership 880 miles from my home. 
I am, as I always have been current, on the monthly payments, but I suspect Hyundai Motor finance will expect me to make the XX/XX/XXXX payment. 

This whole episode is ridiculous ; I have never heard a a lender refusing to take the funds necessary to payoff a loan.
Product: Credit reporting or other personal consumer reports

I submitted a dispute through Experian proving that the information on my report from XXXX XXXX was extremely inaccurate, and they refused to remove the account from my report
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI, XXXX XXXX XXXX XXXX, XXXX XXXX IL, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX WI, XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : $ XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Balance XXXX {$320.00} XXXX XXXX XXXX XXXX XXXX : {$7900.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX & XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX : {$570.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX AccountXXXX, 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
Product: Credit reporting

XXXX XXXX XXXX entered into an agreement and payment plan with me in XX/XX/2012. I have paid every payment on time according to that agreement. The agreement was that I would make monthly payments of {$600.00} per month until the debt was paid. I have done so. About a year in they started reported me late because of the two past due payments that caused us to reach out to them originally. They told us when we made the agreement that these payments would be put on the end of the contract and to pay {$600.00}. Now, their response is that we were verbally told we had to make all payments on time. We have. We were told the past due payments would not be due until the end. AND WE HAVE A LETTER FROM THEM STATING THE TERMS OF THE AGREEMENT AND THE THE AMOUNT DUE WAS {$600.00} on a go forward basis. They are ignoring what they told us and stating facts that are not true - that we were " never guaranteed '' we would be given the extension for those payments. Additionally, we have been in touch with them for 5 years about this and only when we complained here did they reply. Experian and XXXX have both been notified but have not taken corrective action. This has resulted in my credit to plummet, insurance rates to rise. Please correct this information immediately.
Product: Debt collection

Abr recovery services has put me back on the collection credit report after being taking off about 6 months ago, I have sent this company letters and faxs over and over again a person by the name of XXXX stated about 6 months he would remove it from collection which he did now it is back in collections he is asking for more paperwork which was sent to this company a number of time
Product: Credit reporting, credit repair services, or other personal consumer reports

Had reason to contact Equifax customer assistance. Had to talk to someone in XXXX with poor XXXX. Someone in a foreign country should not have access to my credit information. This should be illegal.
Product: Student loan

Mohela continues to defy the Federal Aid order to suspend the SAVE program on interest-free forbearance. I am being threatened by Mohela and FedLoan with default on my loans. 

After exhausting online options, I have called 3 times to Mohela today. Each call lasts 60-80 minutes waiting for a representative. Each representative then says they need to " transfer '' me to customer service. The call invariably ends or goes into a customer service survey and then hangs up. I even had Mohela incorrectly refer a callback to the wrong servicer to call me back, which wasted another 80 minutes as they could not help me ( obviously ). 

I am out of recourse with this servicer and will default on these erroneous charges if not helped within the next 9 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XX/XX/XXXX XXXX XXXX XXXX rang my door bell, said he was a sales representative for XXXX XXXX I became came interested after he asked me if I was a XXXX veteran. I 'm a XXXX % XXXX veteran, he told me that the V A would pay half of the cost. I gave him my personal information for XXXX XXXX. On XX/XX/XXXX XXXX returned to my house said XXXX XXXX moved to Florida that he had another company that can do the work.I told him that my wife and I changed our minds He tried to get me to sign a contract with XXXX XXXX I told him no, he told me that he had already ran my information thru Greensky and I 'm already approved. I told him I did not give permission to run my credit a second time. Later on that day XXXX emailed me the contract to XXXX XXXX, which I did not sign or return. On XX/XX/XXXX my wife and I went on vacation. While on vacation I get a email from Greensky congratulating me for my purchase and that they payed the contractor XXXX Dollars to do the work. I emailed back that I did not authorize that work or sign a contract to do any work, I returned home on the XXXX of XXXX to see the corresponding mail from Greensky. XXXX XXXX XXXX came back to my house on the XX/XX/XXXX with A contractor to try again to get me to sign the contract and insisted the contractor take measurements, I told him I will not sign, he left the contract with me said he will come back I told him again I will not sign that contract.I called Greensky to dispute the contract and the payout to the contractor they do not have my signature on any document or contract and if I supposed to have signed a contract on the XXXX of XXXX how was the account opened on the XXXX. Greensky final decision was the I signed the contract the contractor will pay back all the money except a restock fee of XXXX.and since I cancelled the contract I have to pay the restock fee. I told them I did not sign a contract I will not pay one Penney. XXXX XXXX XXXX
Product: Credit card or prepaid card

A contracting company XXXX XXXX XXXX XXXX  XXXX ( XXXXused   going forward ) did work. They did not finish and I had already paid on XXXX, XXXX XXXX I suspended the payment that I made with Discover card to XXXX. XX/XX/XXXX, after repeated calls to XXXX and not getting the phone answered or called back and reading online that XXXX  does not complete work and does not call back. I paid someone else to have part of what XXXX  did not complete done because it was an electrical safety issue and fear of fire. XXXX did come and do more stated to be done work and insisted to be paid with a cashiers check. I called Discover and asked about giving a cashiers check, I was told to have XXXX  write on XXXX  letterhead accepting check instead of Discover card payment by XXXX XXXX. ( a discover employee ) I did what Discover told me to do and they charged me and paid XXXX again. Discover said they received a statement from XXXX  and because of the statement from XXXX  Discover paid XXXX. I called XXXX and talked to XXXX. He stated he did not get paid by Discover and that the company he uses XXXX or Discover must have the money. XX/XX/XXXX. There have been multiple phone calls to Discover and XXXX. I also sent messages to XXXX. I am being charged and XXXX was paid with the requested check. Discover stated that because of statements from XXXX  I do not have enough proof to show XXXX  was paid for the XXXX transaction. This is just a summary I have multiple dates and conversations too many to put here. 
Discover Financial Services XXXX. XXXX  XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX  XXXX *XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Oh XXXX XXXX XXXX, XXXX . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

Requesting assignment of debt. When the debt was purchased. Who signed for the debt to include original copy of application to prove they have legal right to collect.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

First Direct Mediation located in XXXX, New York is allegedly attempting to collect very old debt that is time-barred in the State of California. They have not provided any written verification of said debt, but have continued to make phone calls to me, my place of employment, family and friends. This company, through various " civil processing department '' representatives, indicates that I will be receiving court summons in the next 24 hours unless I contact the debt collection company to resolve the matter. They call using various robot phone numbers and their threatening voice mails have been retained. I have asked the company to cease all debt collection and abide by the laws of the Fair Debt Collection Practices Act, which they continue to ignore. Most recently, they called me, my family and friends on XXXX  leaving threatening messages as well. Despite their threats of court summons the past few weeks, no one ( as of yet ) has provided such summons. I have blocked their number ( s ) going forward and sent the email attached. This seems like an elaborate scam and attempt to extort money. Phone # s they have used are : XXXX, XXXX and other phantom numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested an investigation be completed by XXXX, XXXX, and XXXX   to request the data furnisher of my student loans, Nelnet Inc. report my payment history on both my accounts accurately. The dispute came back as verified, however clearly the reports are inaccurate. 

On XX/XX/XXXX, I reviewed my credit reports provided by XXXX XXXX. I found the following errors : The XXXX and XXXX payment history on both accounts show XX/XX/XXXX as OK, then the next month on XX/XX/XXXX the payment history shows 90 days late, ion XX/XX/XXXX shows 120 days late, XX/XX/XXXX shows 120 days late, XX/XX/XXXX shows 120 days late, XXXX shows 120 days late. The payment history is clearly inaccurate. How can I be OK one month and the next month on XX/XX/XXXX be 90 days late. Please correct immediately. According to the Fair Credit Reporting Act all reported accounts must be 100 percent complete, verifyable, timely, compliant, and accurate. 

The XXXX payment history on both accounts show OK in XX/XX/XXXX, and the very next month in XX/XX/XXXX as ninety days late. This is physically impossible, and clearly inaccurate. The next month in XX/XX/XXXX the payment history changed to 120 days late, the in XXXX it shows 150 days late, then in XXXX  180 days late, then in XXXX of XXXX 180 days late. 

According to the Fair Credit Reporting Act all reported accounts must be 100 percent complete, verifyable, timely, compliant, and accurate. According to the FCRA, the data furnisher is subject to fines and penalties if the information is not verified accurately, timely, and within compliance.
Product: Checking or savings account

I just moved to the XXXX, North Carolina area and was taken out to a bar called XXXX XXXX XXXX on XX/XX/XXXX where I used my debit card ( as a credit card ) for a transaction in the amount of {$7.00} for a drink. 

After leaving XXXX XXXX XXXX I later started to see transactions coming from my account on XX/XX/XXXX and XXXX for somewhere called XXXX XXXX XXXXXXXX in the amounts of {$100.00} and {$120.00} on XX/XX/XXXX and then another {$100.00} charge on XX/XX/XXXX at the same place. 

As soon as I notice the first charge I reached out to my bank, Robinhood, reported my card stolen and disputed the charges. They immediately cancelled my card and issued me a new one and issued a credit for three {$1.00} authorization charges from XXXX XXXX XXXX but not the actual charges. After much back and forth with their dispute department I was told that these charges were legitimate for the following reasons : - My pin number was used ( which is impossible because bars do not take patrons pin numbers ) - Based on my XXXX location I was in the area ( which is true because I just moved to XXXX and live in the metropolitan area within two miles of a large number of bars in the area ) I have still never been to XXXX XXXX XXXXXXXX but did reach out to the company to try and get their help after Robinhood sent my case to escalations ( where it still is allegedly ). The owner of the bar told me that their system did charge their customers multiple times around the time that this happened and that if the charges were no longer pending they could not help me and I would have to reach out to my bank. 

I have attempted to contact Robinhood multiple times and have repeatedly been told that their dispute department would contact me. I have been waiting for a week now for a callback that I was told I would receive this week.
Product: Credit reporting or other personal consumer reports

I filed a complaint against a debt collector who keeps putting a old debt from credit Bank on my credit report that is an accurate when I called the Credit debt collector. They was very rude yelling and screaming on the phone and telling me that they are not gon na take it down even when I told him is Messing my credit up I reached out to Trans Union. Trans Union will not fix it. I sent the documents and they wont let me dispute it
Product: Credit card or prepaid card

XX/XX/XXXX filed written dispute on four transactions because `I was told they would accept only 1 dispute via telephone. 
XX/XX/XXXX they requested additional information regarding the transactions. 
The information was faxed and received by Barclays. Barclays closed the case after receiving the information because they said they wanted to speak to me by phone. I told them I never received a call and had been out of the country. They re-opened the case on XXXX. I have spoken to numerous customer service reps including XXXX, XXXX, XXXX and today XXXX ( dispute dept ). I have never known a credit card company to take this long resolving a dispute. They will not issue provisional credit and said manager call back will take 10-15 days. This is outrageous because XXXX said the refund was issued to Barclays. To date -Barclays Mastercard has not issued credit for upgrades to refundable tickets as follows : XX/XX/XXXX. {$280.00}. XXXX # XXXX XX/XX/XXXX. {$120.00}. XXXX # XXXX XX/XX/XXXX. {$280.00}. XXXX # XXXX XX/XX/XXXX. {$120.00}. XXXX # XXXX
Product: Debt collection

I believe that I am a victim of identity theft. Due to the CoronaVirus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I did. I did not receive an actual proof, physical firsthand documentation of the payment history and proof of last payment and these violations persist on my credit report. I just had to escalate to XXXX