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

In XXXX with the fair credit Reporting act XXXX XXXX  Account # XXXX and Account # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer Reporting agency can not furnish account without my written instructions.
Product: Vehicle loan or lease

Chrysler Capital is in dishonor with Public Law Chap.48 Statue 112 and eCFR 1901.508 from the I signed my name on the promissory note.
Product: Payday loan, title loan, personal loan, or advance loan

I was trying to get an ex girlfriends cousin to fix my credit on XXXX XXXX and all these things started to pop up and appear on my report. I've still been mourning the loss of my fiance now all this.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

On XX/XX/year> I deposited a trusted check for {$100000.00} from a family owned business into my PNC bank account. PNC did standard 5 day hold on the funds, then extended to 10 days, then subsequently froze my entire account. I received letter from PNC about that with number to fraud team. I called the fraud team 3 times and have left 3 messages with no call back. I escalated to local PNC branch manager who has escalated the complaint but no resolution. 

I have provided copy of the front and back of the deposited check from the issuing bank. The funds have left the issuing bank without any issues but the funds are being held by PNC and not being released to me. It has been 1 month since deposit of the funds and still no resolution by PNC fraud team.
Product: Credit reporting or other personal consumer reports

After demanding that XXXX XXXXXXXX XXXX be deleted, Experian and XXXX have failed to remove this collection off my credit report. They are willingly neglecting my rights of privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. 
Best regards, XXXX XXXX
Product: Debt collection

Either XXXX XXXX XXXX XXXX XXXX or MRS BPO has contacted me or sent a letter to my address. 

XXXX XXXX notified me of a debt reported by XXXX XXXX on XX/XX/XXXX. I had XXXX XXXX send a dispute to say that it was not mine, they said it was mine. The account was open XX/XX/2022. The open balance is for {$1000.00} and came from " XXXX XXXX XXXX '' is the original creditor. 

I do not have any debt with XXXX  or XXXX.
Product: Debt collection

On XX/XX/XXXXXXXX  Sequoia Financial Services sent me a letter stating that they were collecting a debt that I owe to XXXX XXXX XXXX XXXX XXXX. 

The information included in the letter : An account number with XXXX XXXX XXXX XXXX XXXX, An amount owed of {$36.00}, And a due date of XX/XX/XXXX. 

The number for the utilities account they provided matches the apartment unit I was renting but the date is for the month before I moved in ( I moved into that apartment on XX/XX/XXXXXXXX  ). So I disputed the charges with Sequoia Financial Services in a letter, but they have ignored it and haven't communicated anything else to me since. My credit report now shows the debt in collections, and it is affecting my credit score. I have documents proving that I did not reside in that unit on the dates provided by Sequoia Financial Services.
Product: Credit reporting

After reviewing my TransUnion credit report, I immediately noticed something in my Public Records section of my TransUnion credit report reporting incorrectly. 
Below is information regarding the following Public Records item I would like to have permanently deleted from it is reporting to my TransUnion credit report in error. TransUnion is reporting it to the wrong XXXX XXXX XXXX, XXXX.:1. Federal Tax Lien - Reference # - XXXX. This Tax Lien that is currently reporting to my TransUnion credit report is reporting to my credit report in error. This is the wrong XXXX XXXX XXXX, XXXX As a matter of fact, based on this lien 's record, XXXX is not even included. Nothing fully matches up except the fact that the name is similar but not mine. Nor is this my address that they have on record as well. I would like to have this item permanently deleted off of my TransUnion credit report immediately.
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.

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX and 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: Credit card

Recently, I went to use my Barclay Rewards credit card only to have the purchase declined. I found that very surprising because I was n't contacted by Barclays before the decline. I was even more surprised since in an effort to reduce my credit card balances I used my entire annual bonus I received to pay down my total credit card balances by over 25 %. I made it a point to pay Barclays the most - I paid my card down {$900.00} on XXXX/XXXX/16 via eft. I also made a regularly scheduled monthly payment to Barclays, and do n't believe I was ever delinquent. 

When I got home on XXXX/XXXX/16, the same day of my declined purchase, I immediately called Barclays and spoke to a few individuals ( rep last name XXXX, ID XXXX and also XXXX, ID XXXX ) who simply said my account was closed due to negatives items on my credit report. 

Yes, I know I have some, but for Barclays to close my account AFTER I made a substantial payment to them and other creditors was devastating, and honestly I think disingenuous on their part. To make matters worse, I know their act of closing my account further damaged my credit rating! It should be noted that NONE of my other creditors closed any of my accounts and XXXX XXXX actually reached out to me to work out a payment plan that I also completed on XXXX/XXXX/16 AND they have reactivated ALL privileges on my XXXX accounts I have with them - despite the fact that I was previously delinquent on my accounts with them! 

The point is to demonstrate the totally disparate treatment I received from XXXX creditors - XXXX, XXXX XXXX reached out to me to resolve my issues, the other, Barclays, closed my account AFTER I made a substantial payment and without advance notice. Although the date of the notice that finally did arrive from Barclays, and it was dated XXXX/XXXX/16, I know for a fact it came days AFTER my purchase was declined. 

Ironically, just today, XXXX/XXXX/16 I received another notice from Barclays dated XXXX/XXXX/16 acknowledging my complaint, and giving me an XXXX to call. Now, why would I waste my time at this point when the damage is done?!
Product: Debt collection

I have been continually harassed by XXXX XXXX XXXX for years over alleged medical debt XXXX XXXX XXXX ( XXXX ). They called my work many times while I worked in a XXXX workplace and were requested to stop. 

Several times they called to confirm I worked there and then hung up on me. Calling and hanging up on someone and not identifying your self is in violation of the Fair Credit Reporting Act. 

I requested from them numerous times of evidence that I had an agreement or contract for the alleged medical debt. The only evidence they had was an invoice but no contract or legal agreement. 

On XX/XX/2017 I paid {$2100.00} to XXXX XXXX XXXX for said medical debt. Please see the attached document showing I have paid the alleged debt. I checked my credit report on that date and today and the collection still exists.
Product: Vehicle loan or lease

Hello : I have experienced a number of problems with Hyundai Finance. Sometime in XX/XX/XXXX, I leased a vehicle from a XXXX  dealer in XXXX, Florida and financed the lease through Hyundai Finance. 

When the COVID-19 pandemic occurred, I was impacted financially. Immediately, I informed Hyundai Finance and was told I was on a Deferment Program. After XX/XX/XXXX, it became almost impossible to get in contact with anyone in Hyundai Finance because Hyundai Finance has a recorded message that states " customer service is unable to take your call due to an overwhelming amount of calls received due to the COVID-19 pandemic. '' For that reason, I was unable to get in contact with anyone prior to the payment due date. 

Today I learn that I have three late fees assessed totally {$54.00} to my account as follows : XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. I was told by a customer service representative today, that the reason for my late fees are being charged because I paid the monthly installments late ( past the 10 day grace payment period ). However, I checked my records and note that Hyundai Finance payment information is incorrect. I confirmation number of my payments being made within 6 days from my payment grace period. The XX/XX/XXXX payment was made on XX/XX/XXXX ( Confirmation Number is XXXX ) and the XX/XX/XXXX payment was made on XX/XX/XXXX ( Confirmation Number XXXX ). I explained this situation to the Hyundai Finance Supervisor, XXXX XXXX, and despite the evidence of payments and payment due dates, I was told that there isn't anything Hyundai Finance can do to correct it and that I have to pay the late fees even if its THEIR system error. 

It is evident that this is consumer FRAUD and its deceptive practice. I request that a complaint and investigation be initiated and corrected as soon as possible. 

Thank you.
Product: Checking or savings account

I opened my citizens account on XX/XX/2025, I deposited {$800.00} to open the account. On XX/XX/XXXX I deposited {$7800.00} in money orders. I was told the funds would be on hold until Tuesday. XX/XX/XXXX on Friday, XX/XX/XXXX. I realize that the account was closed. I was unable to access it when I called. I got XXXX answers I was hung up on after being on hold for over XXXX minutes. I called back yesterday and now Im being told that the funds are on hold with no answer as to when they will be released because of fraud. I dont understand how my money can be taken away from me with no answers theyre postal money orders. I dont have access to my account or money and no one is giving me answers
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX  and Equifax regarding my information being used without my authority. I have requested multiple times that the inaccurate information accounts and inquiries be removed.
Product: Checking or savings account

I am writing to you as a last resort. For the last several months I have been trying to contact Webster Bank in XXXX XXXX all to no avail. I have wrote countless letters and have tried numerous times to call them ( all you get is a recording to leave your name and number ) no one ever calls back. All I am trying to do is transfer money from my Savings to my checking account in order to pay my taxes. I am beginning to worry that there is something wrong with my accounts due to no response from the bank. I reside in XXXX and due to my age ( XXXX ) and XXXX  I am not in a position to go to XXXX XXXX  to sort this out. I am at my wits end trying to figure this out any help you could give me in getting a response from the bank would be greatly appreciated. My nephew has tried calling on my behalf and has gotten nowhere either and he tells me they require a drivers licence in order to set up online banking, I have never possessed a drivers Licence. I have had these accounts since XX/XX/1971 and never had this problem before. Please Help me.
Product: Credit reporting

Thought I was getting a Free Credit score. 
Website somehow charged {$1.00} I was then manipulated into signing up without knowing I was ordering a trial subscription. 
A few months later I noticed the charge on my CC. 
Since I never intended to order anything, I disputed. 
They agreed to cancel but refused to refund.
Product: Credit card or prepaid card

THEY REFUSED TO EBILL ME CLOSED ACCOUNT AT XXXX/XXXX XXXX XXXX CC XXXX XXXX, XXXX XXXX XXXX, CA XXXX. 
THEY SAY ITS COMPANY PLOICY NOT TO PROVIDE EBILL FOR CLOSED ACCOUNTS! 
ACCOUNT HOLDER XXXX XXXX LAST 4 DIGIT XXXX
Product: Credit reporting or other personal consumer reports

I requested verification from collection agency about a debt from XXXX XXXX. They were not able to verify the information so they notified me by letter that they will be notifying the bureaus about deleting the debt. I also receive an email from the manager that works for XXXX that they requested deletion. All bureaus deleted except Equifax. All other updated the information. I contacted Equifax spoke to a manger. I disputed it online and they said the debt was verified, Equifax. The manager told me they dont look at the disputes on line and that the letter and proof does not matter you owe. I told him the law. He said it does not matter and it will stay. I have attached proof of all correspondence
Product: Credit card

On XX/XX/year>, I took a locaXXXX XXXX  near the XXXX XXXX XXXXr to XXXX XXXX XXXX for a total of XXXXXXXX XXXX or 30 minute car ride ( XXXXXXXX XXXX ). The typical and maximum fare for this XXXX ride is XXXX Euro ( XXXX USD ), which includes a XXXX ( vehicle fee ), XXXX distance fee, and XXXX ( Time - 30 minutes ) according to XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 

However, I was charged {$2700.00} ( XXXX XXXX ) for this ride, which is a 5,982 % price hike from the typical XXXX XXXX XXXXXXXX fare. I was XXXX  at the time and believe the driver took advantage of my impaired state. I am disputing the difference between the reasonable fare and the amount charged. 

I filed a complaint to the XXXX of XXXX. They asked me to file a complaint to their illegal XXXX  board because of this. I do not have a receipt because I didn't receive one. 

Chase told me they can not dispute without a receipt. I have formal complaints and responses from the XXXX of XXXX about the illegal service. The merchant 's telephones do not work because it is an illegal XXXX  so I can't even contact them...
Product: Credit card or prepaid card

Coinbase offers 4 % rewards on purchases paid out in XXXX XXXX, in 1-5 days, when the payment is complete. I made a payment on XX/XX/XXXX for {$2500.00}. On XX/XX/XXXX the payment was marked complete and displayed {$100.00} as the reward, but the reward never arrived. I have called every single day since XX/XX/XXXX and have been told someone would get back to me in 24-48 hours and that there is no manager or supervisor available. Its been well over 48 hours and no one has contacted me or even attempted to resolve this issue. Every rep I speak tells me something different, they keep trying to transfer me to each other and tell me to call different departments, and none of them have answers or a resolution. They are violating their own terms and conditions and are nearly impossible to get a hold of. Their foreign based customer service is unhelpful and hangs up on me when I ask for a manager. Transactions before and after the one in question and been marked complete and paid out rewards immediately, this is clearly an error on their part or is intentional because it is the maximum reward possible and they dont want to pay it.
Product: Credit reporting or other personal consumer reports

I don't want to have this on my credit XXXX -- XXXXXXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I pursued getting product, XXXX mislabeled product poorly packaged without a portion of order. It was labeled as a skin XXXX  XXXX which I had not attempted to purchase from this person whom I did not initially require or query that was legal in their country. It made me hAvd XXXX and XXXX  for weeks, as I go not know what substance was, I refused to send back to XXXX. I showed pictures of pills, XXXX in toilet and told them how deceptive and wrong thst was- asked my enraged messages bd copied to ceo as well as mislabeled product, never promising product and never producing product - which made me so very ill I will be sick  for weeks.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : 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

I called or messaged XXXX, XXXX and Transunion 6 months or so ago and requested that all addresses and telephone numbers that are inaccurate be removed from my profile. I was told by all XXXX that was not possible.
Product: Debt collection

Dear CFPB, MADAM/ SIR : This debt was Already PAID by my Insurance company. The original creditor and the debt collector agency are trying to collect {$180.00}. As My Statement above this debt was already PAID. The original creditor and the debt collector keep bothering me and keep HARRASING me and keep Thretening me in paying the above amount. I cant Paid the above amount do to the facts that the above amount was already Paid by my XXXX company. Also part of the amount was also PAID by my self at that particular office and I have an EYE witness to support the payments that I already PAID. I Respectfully request the debt collector to STOP calling me and to STOP collection. I have my consumer rights. I Respectfully request the debt collector and the original creditor XXXX XXXX XXXX XXXX XXXX To STOP Emailing me and to STOP CALLING ME NO MORE. It's a Federal Law. DO NOT CALL ME AND STOP AT ONES TO CONTACT ME NO MORE. CEASE AND DECEASE TO CONTACT ME NO MORE. Thank you. Respectfully yours. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request an investigation on the following information that appears on my XXXX, XXXX, and Transunion credit reports. They have failed to validate the information with all creditors here in this letter and have not provided me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. 
1. XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX, XXXX $ XXXX.Acc # XXXX {$3200.00} XXXX XXXX, XXXX, Acc # XXXX {$4900.00} XXXX XXXX 2. XXXX XXXX Acc # XXXX XX/XX/XXXX, {$44000.00} 3. XXXX  XXXX XXXX  XXXX XXXX Acc XXXX {$750.00} 4. XXXX Acc # XXXX, XXXX, XXXX, XXXX, XXXX 5. XXXX XXXX Acc # XXXX XXXX XXXX, XXXX 6. XXXX XXXX XXXX XXXX Acc # XXXX {$1900.00} XXXX XXXX, XXXX 7. XXXX XXXX Acc # XXXX XXXX XXXX, XXXX 8. XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX, XXXX, Acc # XXXX {$1000.00} XXXX XXXX, XXXX 9. XXXX XXXX  XXXX {$300.00} XXXX XXXX, XXXX 10. XXXX XXXX XXXX {$2000.00} XXXX XXXX, XXXX