23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I received a title loan through titlemax in XXXX Kansas their location in XXXX to be good and I was approved for {$600.00} but they only let me receive {$400.00} until I make my XXXX payment then I would be able to receive the other {$200.00} unfortunately I never make the 1st payment. So I only ever received {$400.00}. It's been a few years now since the loan and I guess I forgot and I never called to check on it because of then I was at XXXX shopping and they repossessed my car while I was in the store so me and my kids were left with no right home And no idea where the car even went for 3 days to the police department finally locatedit and I tried working a payment out with the corporate office for titlemax and they were beyond rude Multiple people I spoke with. They wanted XXXX That was it I could only come up with XXXX and I asked if there was anything they could do they refused at the same time They spoke to me in the most degrading and disrespectful mannor That I have ever received from any body else especially from any employee or buisness as a whole. They have since continued not to speak with me it's been a total of 3 weeks since my car was repossessed they refuse to talk with me by continuously hanging up on me or being rude and yelling to the point they can't hear anything I try saying. They refuse to give me anything put of my car when they took it nor would they even dispose the tow company name for me to atheist get my belongings out of the vehicle.
Product: Money transfer, virtual currency, or money service

I received a text message asking if I made a charge on my account in the amount of {$360.00}? I responded NO. I then received a text back stating that someone from Chime would be calling me back that they have placed my payment under review and restricted my online backing account., that a agent will dispatch a call to me momentarily. I then received a call from someone stating that they where a chime employee contacting me regarding the charge of {$360.00}. They told me that my account had been hacked and that I needed to transfer my money ( {$710.00} ) in my credit builder account to my checking account. So I did. Then they gave me a a XXXX digit number ( XXXX ) saying that this is my new credit builder account number and I needed to transfer my money to it, so I did. But I noticed that the name that came up was $ XXXX XXXX and not mine. When I questioned the man from chime who was on the phone with me about this he hung up. My money had already been transfer. I immediately called chime to alert them of what just happened. They opened a dispute for me and and took down my statement. I provided them with a screen shot of my text messages from them alerting me to the unauthorized charge, and that a agent will contact me. I also sent a screen shot of my call log of the call with the time and number I was called from. as well as a screen shot of the transactions sent to the number I was told was a my new account number. I received a email with the conclusion to the dispute and it was denied. I Stating that a s part of the investigation a review of the system was preformed in addition they found no error on their part. I called to re-dispute the denial. Chime asked me to write a statement of what happened So I wrote out everything I have described here along with all of the screen shots I described above. to get the same denial as about. I called Chime again and filled another dispute of the claim again to start the same process over again as described above to get the same denial as before.
Product: Debt collection

I have contacted National credit systems on multiple occasions I have provided them police report. Copy of ID and FTC identity theft report, my lease utility bills also to their email as requested at identitytheft @ nationalcreditsysyems, XXXXnationalcrediysystems.com and XXXXnationalcreditsysystems.com. I call daily and are advised that the creditor verified debt by my sane ID no one is reading the police report to see that my whole purse was stolen with my identification so I expect that but I do not know what else to do this was not me I have never lived in XXXX XXXX XXXX XXXX XXXX please investigate this read the police report and remove this from my credit reports.
Product: Credit reporting or other personal consumer reports

The consumer reporting agencies need to report all information with complete accuracy, The following XXXX XXXX accounts have been reporting to my credit for a long time with inaccuracy repeated charge - off reports, this account 's is inaccurately reported with monthly charge- offs, potentially re-aging the debt illegally. This constitutes a clear violation of 15 U.S. Code 1681e ( b ), also Omission of account transfer/sale information. The failure to report the transfer or sale of the account misrepresents its status, in violation of 15 U.S. Code 1681s2. Remove the following XXXX XXXX  accounts immediately as they are hurting my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance was charge off Payment history is not accurate Balance was charge off reported as still outstanding balance, account was transfer to collection agency Payment history is not accurate XXXX XXXX XXXX Balance {$3700.00} Credit Limit {$2700.00} Passed due {$3500.00} Charge off {$3500.00} Balance was charge off Payment history is not accurate Balance was charge off reported as still outstanding balance, account was transfer to collection agency Payment history is not accurate
Product: Debt collection

On XX/XX/2019, Affirm has been reporting I owe {$370.00} for an Item I never received. The last time I filed a complaint I spoke with someone at XXXX who said I sign something. I have requested that they show proof of what I have signed and I have been ignored. Back in 2019, Affirm ignored me, and currently, XXXX is ignoring me. XXXX states they are not required to request a company to show proof of what I signed or say I owe, but they repeatedly display in red all over my credit report that I'm past due. 
I don't know how many times, I have written and spoken to someone at XXXX about this issue and they never put anything in writing confirming the charge is valid. I don't have one document from XXXX confirming I have disputed this issue. I'm requesting they show proof of what I owe or remove this delinquency from the report. XXXX is the only reporting agency arbitrarily carrying this debt. XXXX and XXXX removed it from my credit report immediately.
Product: Money transfer, virtual currency, or money service

Transferred money into Robinhood to trade cryptocurrency. When it came time to withdrawal they placed a restriction on my account and will not allow me to withdrawal my money. I tried to verify myself with them and they are not allowing me to, I have over {$34000.00} that they refuse to release to me. I have had multiple phone calls with over 2 hours hold times with screenshots to prove it. They are stealing money.
Product: Credit reporting or other personal consumer reports

I mailed certified letters about a false accounts due to credit fraud and they never responded nor investigated. This is ongoing and no proof from them stating how they got to the conclusion or ownership. 

XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX {$1100.00}
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. 

USDOE/XXXX # XXXX U S DEPT OF ED/XXXX # XXXX U S DEPT OF ED/XXXX # XXXX U S DEPT OF ED/XXXX XXXX XXXX U S DEPT OF EDXXXX # XXXX U S DEPT OF ED/XXXX # XXXX U S DEPT OF EDXXXX # XXXX U S DEPT OF ED/XXXX # XXXX U S DEPT OF ED/XXXX # XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES PLEASE DELETE THEM FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 of 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

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. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Debt collection

Midland Credit Management keeps calling trying to collect a debt that is not mine. It is affecting my credit. I have asked them to validate this account, well over 30 days, and they have not done so yet. On my credit report, they state that this account was opened on XX/XX/2023. I have not opened ANY accounts in a very long time. I have asked them to send me paperwork with my signature and everything else that they have proving that this is my debt and they couldnt do it, but yet, they keep calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called transunion and spoke to agent XXXX to get fraudulent inquiries removed from my account and he refused on XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved to XXXX XXXX  XXXX Tx, Because of a bad family situation. My personal items have not been sent to me. My dl /sscard /Id were all misplaced. I have not been able to get new replacements yet. I pulled my credit report and i found alot of information that does not belong to me. I never authorized these accounts .There is incorrect addresses, medical sccounts, utility accounts andmore XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXXXXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX ACCT # XXXX XXXX
Product: Debt collection

Complaint Against " DEPTEDNELNET '' Collection Agency To Whom It May Concern, I am writing to file a formal complaint against " DEPTEDNELNET '' collection agency for multiple violations of consumer rights under federal law, specifically referencing the following regulations : Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), the collection agency is required to provide validation information upon request, yet they have placed a collection account on my consumer report without providing such validation.

Denial of Dispute Opportunity : According to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ), I have not been given a reasonable opportunity to dispute the accuracy of the information being reported by " DEPTEDNELNET. '' Use of Deceptive Means : " DEPTEDNELNET '' collection agency is violating my consumer rights by employing false, misleading, and deceptive means in their attempts to collect the alleged debt. 
Failure to Provide Disclosures : The collection agency has furnished the account to consumer reporting agencies without providing all required disclosures as mandated by 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 
These actions by " DEPTEDNELNET '' collection agency not only violate federal regulations but also undermine the integrity of the consumer protection framework designed to safeguard individuals like myself from unfair debt collection practices. 

I request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action to ensure compliance with federal law. Additionally, I seek resolution to the inaccuracies on my consumer report and appropriate remedies for any damages incurred as a result of these violations. 



I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX2024 : XXXX Installment account with account # XXXX opened on XX/XX/XXXX2007 and a balance of {$0.00}. 
The current payment status of XXXX  days past due is incorrect because the balance due on this account is {$0.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX2008 and a balance of {$0.00}. 
The current payment status of XXXX  days past due is incorrect because the balance due on this account is {$0.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX2008 and a balance of {$0.00}. 
The current payment status of XXXX days past due is incorrect because the balance due on this account is {$0.00}. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), I am entitled to a reasonable reinvestigation of any disputed information. Given that the balance on these accounts is {$0.00}, it is impossible for the payment status to reflect a XXXX days past due condition. This clearly constitutes inaccurate reporting, which is prohibited under 15 U.S. Code 1681e ( b ), mandating that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported.

Furthermore, the continued reporting of this incorrect information is causing undue harm to my creditworthiness, which is a violation of my consumer rights. In addition, under 15 U.S. Code 1681s-2, furnishers of information are required to report accurate information, and it is clear that XXXX/XXXX has failed in this duty.

Given the circumstances, I demand that you reinvestigate and delete or correct this inaccurate information from my credit report within the XXXX-day period as mandated by 15 U.S. Code 1681i. Please provide me with a description of the reinvestigation procedure, as required by law.

I also want to remind you that under 15 U.S. Code 1681n, civil liability for willful noncompliance with the FCRA can result in significant penalties, including actual damages, punitive damages, and attorney 's fees.

Please send me a copy of my updated credit report once this information has been corrected or removed.
Product: Checking or savings account

I filled a complaint late last year and Capital One Banking has then sense completely ignored me, I have reached out with no call back. My point of contact is XXXX at the presidents office, I have left him several voice mails and not once has he called me back to resolve this issue since my first CFPB case was closed. They instructed we needed to have our backs recall wires to resolve the issue and have been completely ignored on that side too, our backs haven't heard from anyone at Capital One Bank since late XXXX. It's almost like they want to keep my {$110000.00}. I am on the verge of losing my home due to these funds being on hold for about 6 months completely unexceptable and completely unprofessional, by far the worst banking experience of my life, XXXX if you read this call me ( Finally ) XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was fraudently reported due to identity theft on my report In Accordance with the Fair Credit Reporting Act XXXX  net 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting, since XX/XX/2021, verification of these alleged debts that you keep reporting on my credit files. However, the credit bureaus failed to investigate & obtain, as mandated by law, proof of such debts. Yet, they have continued to report & sell erroneous information about me. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law.
Product: Credit reporting

I opened a bank account with XXXX XXXX XXXX XXXX & They Credit Reports Go Through Equifax. & They Have My Birthday Year Wrong But Saying I Do n't Have Any Credit History. How Can I Change That & Where To Send My SS Card? Birth Certificate & My Licenses To Confirm My Birthday Is XX/XX/XXXX and Not XX/XX/XXXX .. I Need It To Be Done Asap So I Can Build My Credit To Get An Appartment.
Product: Debt collection

In late XXXX of 2021 my wife and I bough caught XXXX XXXX. It took me a month to be paid back pay. In that time frame I fell behind on my car note and went 60 days past due. I reached out to Kia multiple times for help but they offer no assistance. Kias. Covid assistance can only be used if your note is current ( kind of useless ). Kia finance began calling my phone repeatedly. Up to three times a day. Hyundai/Kia called my wifes old employer and spoke with them about the debt which was humiliating. I finally spoke with an agent ( collections agent ) and she told me that my account was not secure and I needed to pay my balance before further collections activity happened she hinted at my car being repossessed. I forked out 800 dollars ( she could give no explanation on why 800 dollars would secure the car ) to ensure my family had a car. I was assured Id be fine until XXXX. That 800 dollars was all I had for almost a month to feed my toddlers. I had to borrow money from my parents to survive. Hyundai/Kia again resumed collections calls one week later. They called repeatedly primarily while I was at work. It was useless to speak to them because they will not help they just ask you to pay your balance in full. I posted a XXXX dollar payment when my back pay finally came in. Kia took 4 days to process the payment. In that 4 days my account which was current when the payment was submitted went past due by 2 days therefore making me unable to move my due date so that the current month would not be behind. So now they are calling over and over and over. I spoke with a female agent last week and told them what happened and to more or less pound sand until I pay them the XXXX I owe them for XXXX. Im fed up, they have harassed me. I have severe XXXX which causes horrible anxiety. They have driven me to consider running the car off of a bridge at one point due to their tactics and unwillingness to help. They need to be punished. I have attached photos of the many times they have called me in the last few days. They have called more than 5 times a week by my estimation however I recently deleted my received call list.
Product: Consumer Loan

I went to drive time with my granddaughter to buy a car. I was told I had to " cosign '' for her. She did not make timely payments however has paid XXXX more than if she had. This has my credit looking very poorly. Drive time refuses to sent me itemized statements. And to top it off I was told I was n't a " cosigner '' at all. Her names nowhere on the contract yet she signed the same paperwork I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX
Product: Credit card or prepaid card

I have a XXXX credit card which is housed with TD Bank. I canceled my cell phone insurance with XXXX that was {$11.00} per month. I have better insurance with XXXX so canceled it with XXXX. I called XXXX on TWO separate occasions to cancel the charge and they said they would reverse the charge. My final attempt was on XX/XX/2022. I called and spoke to a female who was QUITE RUDE and spoke very condescendingly to me. She had the nerve to tell me, " Why are you calling here when you should be out celebrating ( XXXX ). I responded that I do not celebrate. After about three attempts on the same call to cancel the service and refund the charge she finally agreed after speaking to a Supervisor. She was quite pleasant after speaking to her supervisor and said my account would XXXX refunded any late fee would also be refunded. At this point they lowered my credit limit so I also instructed them that once the account was at zero to CLOSE my account as they breached our contract and they did no do as they said in refunding me the fee. They failed to perform on their end. This negative mark on my credit report has dropped my score AS WELL AS caused XXXX XXXX to lower my credit limit by approximately {$20000.00}. THIS IS UNACCEPTABLE AND WAS AVOIDABLE ON THEIR PART.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX and XXXX, I got myself in a bind and fell behind on my credit card payments with capital one. For the last 46 months, I have made 100 % of my payments on every account I own. Capital one agreed to remove the late payments once my account was in good standing. My limit has been increased multiple times. I recently sent a letter asking for the late payments to be removed on both capital one accounts. Due to my excellent payment history Im am asking for assistance in having the late payments removed from both accounts.
Product: Checking or savings account

Since at least XX/XX/2020, l have being trying to close my account & get my money from Banco Popular in XXXX XXXX. XXXX XXXX in XXXX is aware and my account is now closed I have not received my money yet, but they keep taking fees for inactive account.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, myXX/XX/XXXXand zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.