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

My wife and I recently purchased a new XXXX XXXX in XXXX. On XX/XX/XXXX ( our first payment to Honda Financial Services ), my wife attempted to set us up for automatic payment and make the first payment. The system acknowledged it received the payment. Later  that day, the payment was reversed with no notice to us. On XX/XX/XXXX, a late payment fee notice was sent. My wife, on XX/XX/XXXX, called HFS to find out what happened. AHF waived the late payment fee because of the system error and took payment for a second time. Later that day, the payment was reversed again, with no notice to us. We saw the payment had not been withdrawn, and my wife attempted another physical call with HFS on XX/XX/XXXX. The payment was made, later that day, reversed. On XXXX, I was notified of a 30 day late on my credit report. XXXX called HFS on XXXX made a payment of {$1400.00} ( missed payment and current payment ). It went through this time due  to one of the HFS associates recognizing what happened and corrected it. XX/XX/XXXX next payment is processed and approved. The account is current. There were substantial bank account funds to cover the payment at every attempt that did not process for XXXX. 

I called HFS to discuss removing the 30 days late from the credit report. They refused to release the derogatory information from the credit report. When I asked for the information they based that decision on, they would not provide anything. And further would not allow me to speak with a supervisor.
Product: Credit reporting or other personal consumer reports

Recently Ive checked my credit report and noticed incorrect and inaccurate information involving theft causing tremendous damage to my credit file.
Product: Money transfer, virtual currency, or money service

Case ID : XXXX Disputed amount : {$350.00} USD Seller info : XXXX XXXX PayPal-XXXX XXXX XXXX : XX/XX/2022 Invoice ID : XXXX Transaction ID : XXXX Transaction amount : {$350.00} USD Further, it is clear : 1. That the above referenced transaction was not endorsed, signed, authorized, ratified, either expressly or by implication, by me or with my knowledge or consent.

2. That I did not receive or retain any benefit or value from the transaction, either directly or indirectly.

3. That, in fact, PayPal representative already confirmed that transaction was completed by the third-party email XXXX without my permission and for the benefit of XXXX. 
4. That PayPal favors XXXX against me as victim of fraud. 

THEREFORE, XXXX is requested to provide copy of the third-party Manuel Climent of XXXX authorization to act on behalf of me and/or authorization to inquire charges on my PayPal account. 

Attachment : Attached proof that XXXX authorized third-party Manuel Climent of XXXX to inquire charges kept by XXXX without my permission.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldn't be on my credit/consumer report.

XXXXXXXX XXXX XXXX Case Number : XXXX Delete this account. 

2. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REFER TO THE ATTACHED DOCUMENTS PLEASE Dear XXXX, XXXX, and Equifax The following damages will be taken to civil court on XX/XX/2023 in XXXX XXXX if, monetary relief isn't given for the following damages : {$5000.00} in monetary relief under 15 U.S.C 1692k. 

1 ) Defamation of Character 2 ) Negligent Infliction of Emotional Distress 3 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy.

4 ) Violation 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. 15 U.S.C 1692k states that I'm entitled to {$1000.00} per violation. 
5 ) violation of 15 U.S.C. 1681n Civil liability for willful noncompliance because once again a police report isnt needed in the process for identity theft block and removal.

According to 15 U.S.C. 16811c 2 - Block of information resulting from identity theft a police report isnt required and isnt needed at all. I also do not know the name of the person or how this identity theft occurred sadly, and this is also not a requirement to submit with the following documentation. 

XXXX, XXXX, and Equifax are now in violation of 15 U.S.C. 1681n Civil liability for willful noncompliance. Once again, a police report isnt needed in the identity theft block and removal process. 
INVALID INQUIRES : 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: Mortgage

I applied for my mortgage loan with a local agency called XXXX XXXX out of XXXX Massachusetts. A couple of months later the mortgage was sold to Wells Fargo. The initial mortgage was {$620.00} a month. Wells Fargo " readjusted '' the mortgage by saying we were overpaying and dropped the monthly payment to {$580.00}, I asked them if this was true and wanted to make sure it was accurate and no one would tell me why the mortgage was re-evaluated. Then about a year later I received a letter that my mortgage was increasing from {$580.00} a month to {$870.00} a month! I never would have purchased a house for {$870.00} a month because that is about half of my monthly income, and I know my finances well enough to know I ca n't afford that! I have been fighting with Wells Fargo to re-evaluate my mortgage payment and to explain the reason for the increase. I do no have a variable rate, either. At this point they are talking about foreclosure despite paying {$600.00} a month instead of the {$580.00}. I have asked them to run a report to explain why the increase and have received nothing. I have spoken with my town and the treasurer/tax collector said that city taxes run from XX/XX/XXXX to XX/XX/XXXX and Wells Fargo is calculating taxes on a calendar year from XX/XX/XXXX-XX/XX/XXXX which actually is taking into account two calendar years. I have been dealing with them since XXXX of 2014 and at this point am ready to try to hire a lawyer.
Product: Money transfer, virtual currency, or money service

XX/XX/year> I sent XXXX XXXX ( XXXX, email address XXXX ) {$470.00}. XXXX did not receive this. When I called Chase. I was told {$470.00} dollars was deposited into XXXX 's XXXX account. The Chase representative told me to have XXXX XXXX XXXX to confirm he had the money. XXXX went to XXXX put the call on speaker. The XXXX representative stated that XXXX 's XXXX information was correct. However, Chase never sent the {$470.00}. When I called Chase back. I was told to contact XXXX. When I contacted XXXX. The XXXX representative told me to contact Chase. At this point I drove to a Chase XXXX XXXX bank branch. The XXXX XXXX Chase representative told me the {$470.00} was deposited into XXXX XXXX account. I told him that was not the case and suggested calling XXXX and XXXX to clairfy. The Chase representative told me that was not neccesary, because there was nothing he could do. I spent four hours on the phone with Chase and they just transfer me to diffrent departments. In the end I am told they cant help me with recovering the money. XX/XX/year> I requested a Chase representative to check the XXXX transaction to insure the transfer was succesful. The Chase represenative on XX/XX/year> told me the payment went through. That never occured. A false statement.
Product: Debt collection

I received a letter dated XX/XX/2019 from Convergent Outsourcing , Inc. trying to collect {$26000.00}. I am not responsible for this debt and am filing a complaint today ( XX/XX/2019 ) through CFPB to notify the company of my dispute.
Product: Credit card or prepaid card

On XX/XX/XXXX, when I opened my statement period XX/XX/XXXX to XX/XX/XXXX I was upset to find 2 bills amounting {$1000.00} and another amount of {$1000.00} descriptions XXXX XXXX and XXXX XXXX with telephone no XXXX. Money taken from my credit card.Barclay/XXXX XXXX MasterCard . First thing I did is to call my bank and inquired such transactions. My bank said not to worry they will reversed the entry on my statement while they are investigating and at the same time called XXXX XXXX to inquired with such transactions. XXXX XXXX just said the money was taken in cash. That is all XXXX XXXX told me. I feel reluctant when Barclay/XXXX XXXX said not to worry. But then my statement from XX/XX/XXXX to XX/XX/XXXX I was rebill back by my credit company Barclay/XXXX XXXX MasterCard I insisted to them I did not make that transactions and I am not willing to pay. The Fraud Department Barclay/ XXXX credit department told me to go to police station and file an incident report and then submit the report to XXXX XXXX XXXX I did followed the bank advices. When I got the incident report from the police stations I called XXXX XXXX asked their fraud Department address but their respond to me is that from police station the police must call us directly to discuss the issue. UNFORTUNATELY the police officer said, we DONOT work that way. Just send the hard copy to XXXX XXXX. I called XXXX XXXX but will not accept hard copy report and the fraud Department have said the transaction was authorized by XXXX to pay the 2 {$1000.00} transactions. Today I mailed a hard copy of incident report to XXXX in a registered manner.XXXX  XXXX case no. XXXX
Product: Debt collection

Both my XXXX  and XXXX  report has the debt from Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX on my report. As the XXXX XXXX, I was not given the opportunity to verify or validate the alleged debt. I have called them and written letters to speak to some and was either hung up on or my communication via letter was has yet to be responded to.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXXXXXX XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reporting : XXXX I noticed a Bankruptcy is reporting on my credit report. However, it's only reporting in Equifax and XXXX. This bankruptcy should NOT be on my credit reports as its not properly validated and its violating my FCRA laws. 

In accordance with the Fair Credit Reporting Act, you have violated my rights. 15 U.S.C 1681 section 602 A. states that 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 and proper validation.
Product: Mortgage

I have spoken to Cornerstone 's property tax customer service numerous times. The first time I called was about a month ago inquiring if they had received my homestead exemption approval. I was told they did not have the information and that I would have to submit this to them. I then contacted the tax appraisal 's office and was told the information in public and accessible to the mortgage company. I then called the mortgage company back and informed them of what I was told. I was then told it would take up to 3 weeks in order to get documentation from the tax appraisal 's office. I waited 3 weeks and called them back and was told it would take another few days to a week. So, I waited and I recently called on XX/XX/19 to check on the status. At this time I was told that they received an approval but did not know how much and then told me my taxes had increased tremendously. I was informed that my total taxes on my home that was appraised at {$380000.00} and tax rate being around 3.5 % would be {$24000.00} and then some. I told them that there had to be an error because that is incorrect. They insisted that this was correct. I asked to speak with a supervisor and was transferred and was told the same. I was told to reach back out to the county to find out an exact dollar amount as to how much I was approved to be exempt because it looks like the taxes has increased by a lot. I contacted the tax appraisal 's office and was told that the amount was not {$24000.00} and that was absurd. I was told it is estimated to be {$12000.00} and would provide documentation to send to the mortgage company. I have sent over this information to them but was still told I was wrong and that they contacted the tax office and that they have the correct numbers. I was told that they spoke to a person by the name of " XXXX '' and gave me the spelling of the name and that the county is the one who inputs the tax amount and that they do not input any numbers. I contacted the county back and was told that was incorrect because they do not have an employee by that name there. 
I have spoke to nothing but rude individuals at this department. The last encounter I had with them was today XX/XX/19 and this lady put me on hold for 10 minutes ( before I hung up ) to speak with a supervisor that she says can not do anything more for me that she could do. 
I was told my monthly mortgage will change from {$2800.00} to {$5400.00} in XXXX. This is absurd and not feasible. I would not even have qualified for this type of loan to begin with. I have never dealt with this being that this isn't my first rodeo with a mortgage company. So unprofessional and very discourteous.
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 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 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

In accordance with the Fair Credit Reporting Act., The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC1681. 
Account name XXXX XXXX acct. # XXXX, acct. name XXXX acct. # XXXX, acct. name XXXXXXXX XXXX acct. # XXXX, acct. name XXXX XXXX XXXX acct. # XXXX, acct. name XXXX XXXX XXXX acct. # XXXX, acct.name XXXX  acct. # XXXX, acct. name XXXX XXXX, acct. # XXXX, acct. name, XXXX XXXX XXXX. acct. # XXXX, acct. name XXXX, acct. # XXXX, acct. name, XXXX acct. # XXXX, acct. name XXXX XXXX acct. # XXXX, acct. name XXXX XXXX acct. # XXXX, acct. name XXXX acct. # XXXX, XXXX XXXX XXXX acct. # XXXX, XXXX XXXX acct. # XXXX, acct. name, XXXX XXXX acct. # XXXX, acct. name, XXXX XXXX acct. # XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My name is incorrectly reported with misspellings and they are affecting my verification process. The correct spelling should be XXXX XXXX XXXX please delete any other variation of my name ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) the following addresses are not mine and are fraudulent please delete : XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

This is my final demand for the immediate removal of the unauthorized and disputed hard inquiry from XXXX, dated XX/XX/year>, from my credit report. I have disputed this inquiry multiple times without resolution, which is a clear violation of my consumer rights under the FCRA.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and i am from XXXX. I was using Blockchain for XXXX but they restricted my ability to sell, when i reached them to ask why this happened they had no answer and said that they are pushing my ticket to a higher authority, ok, after 2 days i recieved an email with the content " Your gold status is not available at this time '', i was gold, that means i was verified but after this somehow my account got locked even harder plus my ability to send XXXX was also locked. My money are locked and at the time i wanted to withdraw i had XXXXXXXX XXXX now i have only XXXX ( on XXXX of XXXX ). I am waiting a response from them since last month, but no one is saying me anything. Please help me with this situation.
Product: Payday loan, title loan, or personal loan

I am writing this complaint towards XXXX XXXX XXXX in association with TD Bank N.A. I purchased an XXXX XXXX XXXX from XXXX early XXXX and am extremely disappointed with the mismanagement of these products and poor customer experience I face everytime I reach out to someone for assistance. 

The bike continuously buffers and crashes during rides, and I am still being obligated to pay for a membership and warranty that I can not even gain access to because whenever I call XXXX XXXX XXXX for support the hold times are constantly 20-30 minutes long. Chat support also refuses to assist accordingly when I seek them out as an alternative. 

I should not be responsible paying monthly payments for an installment loan tied to a product that I have since requested be returned and can no longer utilize. This has been a constant struggle with this company from Day One and they do not seem to care about customer experiences let alone the inconvenience these situations constantly create on the regular.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Identity Theft XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number XXXX XXXXXXXXXX**** XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX 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: Debt collection

I mailed a certified letter to Med Soc/Bureau of Med Economics on XX/XX/2020, certified mail receipt # XXXX XXXX XXXX XXXX XXXX and it was received by their office on XX/XX/2020. In my letter, I requested supporting documentation to prove that this debt belonged to me. To date, the company has not even responded to my letter at the very least and it has been longer than 45 days since they received my certified letter.
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. 

XXXX XXXX : # XXXX, XXXX 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 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: 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 XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I made a payment in person today XX/XX/XXXX with cash at the XXXX, Maryland Chase Branch in the amount. Has this been received? There should not be any late fees. Please answer this directly in writing. Please also provide a copy of the payment history showing this and a current written payoff letter. Attached is the receipt from todays payment. It was for a XXXX XXXX  XXXX XXXX. Thank you.