23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

When my vehicle was repossessed in XX/XX/2017 the remaining balance was {$8000.00}. This balance was reported to my credit bureau reports by Toyota. It is the law that the towing company is not to disturb the peace when coming to pick up the vehicle. The whole time the towing company was here which was at XXXX XXXX. and for at least 15 minutes as they were struggling to secure the vehicle, they had their high beams shining in my neighbors window. In addition, they banged down my door as hard as they possibly could for a good amount of time. The two guys from the towing company furthermore were extremely rude not that I expected anything more. They are supposed to give you the opportunity to get your belongings out of the vehicle before taking it which they did not do, instead they peeled wheels and sped off again disturbing the peace. The towing company was at least an hour from where we live which we feel was Toyota being vindictive towards us. My wife and I had to schedule an appointment to come and puck up our belongings from the vehicle. When we got there we found all of our stuff in a trash bag very carelessly thrown together and therefore as a result a lot of our stuff was broken/damaged. There is a law in place which states that we are to be notified of the time, as well as place that the vehicle will be auctioned in the event my wife and I wish to participate in it. Toyota neglected to notify us of this information. I instead received a phone call from a collection agency collecting on behalf of Toyota for the amount that was owed at the time of repossession. I asked the representative if the vehicle had been auctioned off and I was informed that in fact it was. I advised the representative from the collection agency that it is the law that Toyota is to notify me of the time and place of the auction and she agreed with me. I asked to speak with the supervisor of the collection agency and in formed her of my situation. The supervisor thought something very suspicious was going on and she was going to investigate the matter as to which I expressed my gratitude for. I told her I also wanted to know how much the car sold for at auction. I eventually heard back from the supervisor who advised me that the car sold for {$17000.00} which covers my remaining balance and then some. I was advised by the representative that I still owe the {$8000.00} which she did not feel was justified but that it was just what Toyota was informing her. I have tried to no avail to dispute this with all three credit bureaus numerous times. I have also spoken with the executive office of Toyota, they will however say anything and everything to make their actions/claims appear valid.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 or other personal consumer reports

I am writing to formally dispute the presence of unauthorized inquiries on my credit report, which are continuously impacting my creditworthiness. These inquiries were made without my consent or knowledge, and I request their immediate removal from my credit report. 

Upon reviewing my credit report, dated XX/XX/year>, I discovered several unauthorized inquiries listed under the " Inquiry '' section. I did not authorize any individuals or entities to access my credit report for the purposes of initiating credit applications or inquiries. Therefore, the presence of these inquiries is not only unwarranted but also damaging to my credit profile.
Product: Credit card

I have credit score of XXXX I never missed a payment in my 51 year of life. 
I opened 1. BarclaysUS Wyndham card ( no annual fee ) 2. BarclaysUS Wyndham Plus card ( {$75.00} annual fee ) To open it, surprisngly, first time in my life, the bank had me deliver by MAIL or FAX only ID SSN card Utility Bills Banks Statments. 

what I did. Only by MAIL or FAX no other modern way of delivery of those documents. 
XXXX XXXX XXXX for BarclaysUS complained that documents were not too legible on XXXX ( yet thye insist on tech from XXXX ( MAIL FAX ) ONLY ). So i faxed all those 20+ times since they REFUSED to accept anything but MAIL/FAX. This itself was setting customer fo failure. SSN cards watermarks are designed to be hard to copy. They finally open the accounts, AND then they BLOCKED them IMMEDIATELY and keep them BLOCKED for MONTHS now I am unable to VIEW any statements or was never ABLE TO USE any of the accounts for MONTHS YET they keep billing me their fees. Account blocked since day ONE. I never was able to access ANY of them, yet they BILL FEES. Customer Security even claimed I could not pay them off as account is blocked ( yet they are showing up on my credit reports as DEBT accruing if NOT PAID wrecking my credit report! )... 
I luckily paid {$75.00} dollar annual fee for the account they claimed I could only pay with CHECK if it manages to arrive on time. They are about to ruin my perfect scores rendering my life a hell.. I can not reach anyone there to get access to my accounts... I keep calling for 3-4 hours a DAY! I am waiting on somone to pikc up phone for HOURS and then I get 10 run arounda and noone is able to help. 

This is like MAFIA... .I have never been able to use the accounts, see statements ( they keep billing fees to one card despite my being unable to use it ), I can not USE, ACCESS or even CLOSE THE ACCOUNTS... this is like mafia... They do not allow me to access, view or close an account ... yet they bill me and can easily impact my credit report by reporting to it. HORRIBLE CUSTOMER ABUSE BY BarclaysUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried telling whoever they my be that it's not me. I have never held a job or not paid my bills. I am neigh targeted for some unknown reason and I in no way can pay this.
Product: Checking or savings account

Step 1 : What is this complaint about? 

I tried to link my pnc bank account to XXXX XXXX. 

Step 2 : What type of problem are you having? 

But I got a message : pnc has made a change that prevents you from being able to link your accounts Step 3 : What happened? 

The page prevented me from going any further and referred me to consumer finance site. 

Step 4 : What company is this complaint about? 

XXXX XXXX. 

I tried to link my XXXX XXXX account earlier and was rejected when it was time to link accounts then too.
Product: Vehicle loan or lease

I've never been late or missing any payment, but just one that I was advised by the Escalation department " To be FIXED the Problem '' the situation started first monthly payment ( XX/XX/2023 ) t after realized was taken more than 15.44 % established on the contract ( Way more ) to the interest, even, when i was paying {$200.00} 0ver the monthly payment set by Regional Acceptance Corp. these days Truist Bank related. I do have emails, Documents and last statement two weeks ago, bank statements and they have every single call recorded.
Product: Vehicle loan or lease

I purchased a new on car on XXXX XXXX, XXXX the finance manager applied an extended warranty on my vehicle with out my permission. I told the financial Manager on XXXX XXXX, XXXX. I didn't want the extended warranty applied to my loan extra charges were applied .I didn't notice it during the transactions, I took my paper work to my father and sibling and they looked at my contract and my father noticed their were extra charges was applied to my loan, I went back to the dealership. and I informed him that I didn't want and extended warranty on my contract, I asked the finance manager for my receipt and he said he didn't have to give it to me. I ask him to remove it after one week, He said verbally he would take it off and a week later, I went back to the dealership and he finally gave me my receipt after my third visit weeks have gone by the extended warranty is still on my contract, I notified the bank until this very day it's still haven't been removed. My receipt was given to me on XXXX   XXXX, XXXX it said in XXXX XXXX XXXX  the extended warranty was going to be removed in that time frame it's going on XXXX the XXXX XXXX. I called the manager and he said he notified the Finance Manager while he was at home that was on XXXX XXXX,XXXX. He said it would take six weeks from the twenty one day mark. I haven't bought a new car in over twenty years and I felt like the Finance Manager and the store manager took the advantage of me as a female. I went to another bank to refinance my loan.I can't get my car refinanced until the extended warranty is  removed from my account.
Product: Checking or savings account

Strange withdrawals from my checking account which Capital One claims I did- I denied the claim that it was me withdrawing money from this ATM, to which they entrapped me with my own words in a dishonest way : They asked if I had misplaced my debit card, which to my knowledge has not left my wallet. They said that by that logic, because I did not misplace my wallet that my fraud claim is closed and that I am responsible for the charges. HOWEVER. 

Not only do I have zero recollection of having withdrawn from a strange ATM, the address of this mystery ATM is XXXX XXXX XXXX XXXX, a seemingly residential address. 

Upon looking up this address, it is assigned to an empty lot inside a residential neighborhood and there is not a single business entity that seems to have been at this address or using this address for any purposes. 

I've reported my findings to Capital One, but they just kept repeating the same thing regarding how they will not do anything other than close the claim and that I should file a police report if I am not happy about their decision ( which we all know does absolutely nothing ) Please help, and thank you for your time
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the EXPERIAN and XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
US DEPT ED XXXX Balance Owed : {$4100.00} US DEPT ED XXXX Balance Owed : {$7300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX. 

These accounts are inaccurate and are in civil litigation. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor did not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed Inability to show the slightest evidence, the creditor must stop all collection activities and delete the collection account from my credit report. These accounts are in civil litigation against the credit bureaus for fraudulent and unauthorized deceptive practices being committed on their behalf. Here are the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnionXXXX XXXX XXXX TransUnionXXXX XXXX TransUnionXXXX XXXX XXXXXXXX TransUnionXXXX XXXXXXXX TransUnionXXXX XXXX TransUnionXXXX XXXXXXXX TransUnionXXXX XXXX XXXXXXXX TransUnionXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX, XXXX, and Experian with no success. They have refused to update information. Accounts to be removed : XXXX XXXX # : XXXX and all non-account holding inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I received a credit alert that one made financial put a hard inquiry on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently reviewed my Credit Profile and see numerous accounts of alleged debts that I am not aware of. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile.
Product: Credit card

ATTN CFPB : If you do not stop closing my reports regarding being defrauded by my bank, I will continue to reopen them, .as well as to report to the attorney general, and privately take legal action as well. YOU ARE SUPPOSED TO EXIST TO PROTECT PEOPLE LIKE ME, DO YOUR JOBS. 

RE SYNCHRONY BANK/CARE CREDIT ACCOUNT : when I was initially approved for this card it was with a {$1200.00} balance which I did not use whatsoever for several months upon having the card. I then used the entire balance during a medical emergency, but immediately paid it down to around {$700.00}. Upon submitting this payment my credit limit was immediately lowered TO my balance, putting my CCU at 100 % and heavily negatively reflecting on my credit report. I continued to make diligent payments towards the balance and whenever I was able, I would make a payment much larger than the minimum amount due. EXCLUSIVELY at these times when large payments were made, CARE CREDIT would respond by punishing my efforts and AGAIN lowering my credit limit to my balance, effectively negating any progress made towards paying off my balance and lowering my CCU. As of today, I have been UNABLE to make my payment for this month due to my multiple attempts being continually ignored. The end date to my promo is approaching at which time predatory SYNCHRONY BANK will then charge me an additional 30 % interest on my balance to further financially abuse and punish good customers. I am operating as a XXXX nonprofit which is why I used and wanted to have this card as a form of an emergency safety net for my veterinarian, but since they are untrustworthy and dishonest, I simply want to close my account with a XXXX balance. This can be resolved in XXXX of XXXX ways moving forward ; SYNCHRONY BANK can reestablish my credit limit to the originally agreed upon amount of upon {$1200.00}, And I will continue to make my payments until I reach a XXXX balance, at which time I will close my account. OR, SYNCHRONY BANK can zero my balance as a way to compensate me for the financial abuse, and I will not seek further and continued legal action, including defaulting on my current balance to pursue a resolution in court. Today is XX/XX/2025, and this morning the half dozen or so messages I have left for " XXXX '', the self professed " highest supervisor in the bank '' were finally returned only for her to reiterate that she felt SYNCHRONY BANK reserved the right to defraud and financially abused good customers without reason or legal standing. I will be again escalating this to a corporate supervisor who is hopefully not at mentally and emotionally deficient as XXXX chose to be. I want to again reiterate that I know my rights as a financial consumer, this is fraud, and I will not accept being financially abused and defrauded by my credit card company this way.
Product: Credit reporting or other personal consumer reports

My identity was stolen in XXXX  and I still have the same incorrect information on my reports. Even after having fraud alerts and credit freezing. I can not be verified when I try to get bank accounts. I get emails, phone calls and mail stating I owe XXXX in credit card debt. My name is being removed and my middle name is being used instead, like my first name is fake. This problem is with all credit reporting companies, even the third-party companies that the XXXX major companies use. At this point I just do not know what to do or have the energy to keep getting shut down at every turn to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  refuses to remove fraudulent items off my credit. I tried disputing items online it want allow me to do so or by phone
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

VANCE & HUFFMAN LLC : XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I have a paypal account on which I created a paypal fundraiseXXXX to collect donations XXXX XXXX XXXX now all the sudden paypal did block my account. I can not withdraw the donations that has been send to me! Paypal asking me for fullfillment details like shipment for products etc. although they see its clear that all incoming payments are donations sent to my paypal fundraiser I have send this info to them to remind them that all are donations on the paypal fundraiser now I get this crazy message on which I can not even sent a reply. 

Dear XXXX XXXX, Thank you for your cooperation in completing the review of your account. 



We're still unable to complete the review process of your account at this time. Please help us finish this process by completing the following steps : To help resolve the limitation on your PayPal account, we've sent an email to your buyer to confirm if they received the related item or service. 



Transaction XXXX XXXX XXXX XXXX XXXX If you've shipped the item, please contact your buyer promptly and ask them to respond to our email, so that we can confirm if the above transaction is completed. 



After you've completed the above steps, please contact us by clicking 'Contact Us ' at the bottom of any PayPal page. 



Please help us by completing the required steps within 10 days from the date you receive this email. If we receive no response within 10 days, you will need to contact us by phone or email so that we can manually update your case status. 



After you complete these steps, we will review your information and contact you about the status of your PayPal account within 2 business days. We may ask you to provide further information if necessary. 



Thank you for your co-operation and support. Please let us know if you need further assistance. You may contact Customer Service by clicking 'Contact Us ' at the bottom of the PayPal website. 



Sincerely, PayPal Please do not reply to this email. This mailbox is not monitored and you will not receive a response. 


__________ PAYPAL IS A COMPLETE SCAM THEY JUST FREEZE MY MONEY AND I CAN NOT EVEN COMMUNICATE WITH THEM TO GET IT RELEASED. DOCUMENTATION SEND TO THEM IS NOT BEING VIEWED AT ALL! THEY JUST FOOL PEOPLE AROUND IN ORDER NOT TO PAYOUT FUNDS THEY ARE HOLDING
Product: Debt collection

My account with XXXX University was paid in full via student loans. The balance displayed on my credit is not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote all XXXX Bureaus about reporting inaccurate information XX/XX/24 it's XXXX now nothing has updated, XXXX and Equifax have sent me forms to process my request that stated I needed to send in my ID and SSN card I will mail out today XX/XX/XXXX and I also will attach documents to this complaint hopefully it speeds up the process a bit. XXXX on the other hand said " Upon competition an updated copy of your credit report will be mailed to you for review and confirmation. Please note that mailed correspondence may take up to 10 days for delivery through the US PostXXXX system '' on my last complaint yet I have still received nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX  XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXXXXXX Balance : XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}