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

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 : Account # XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX XXXX XXXXXXXX : XXXX XXXX  : Account # XXXX XXXX XXXX  : Account # XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXXXXXX : Account # 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 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

PayPal Case Reference : XXXX This is my last hope. PayPal have decided to hold my funds against my will for 180 days and permanently limit/ close my account. I have asked them for a legitimate reason and they refuse to resolve this. 

I have provided every single piece of information regarding the transactions and how these funds were obtained. I am an XXXX seller and I provided receipts, as well as buyer feedback to show they were satisfied with the items sold to them. PayPal have just decided to take my funds for 180 days of XXXX. I was advised to contact this government website as you may be my last hope in trying to get through to them and get them to appeal this decision. 

I'm a XXXX XXXX XXXX XXXX this money is a lot to me and I need it to pay rent. It is completely obtained legitimately and this was already provided to PayPal as proof which I still have if you need to see. I have 100 % feedback on XXXX  and have never had any issues in the past! 

PayPal is refusing to overturn their decision and have stopped responding to me. 

I have almost lost all hope. 

Please help me
Product: Credit reporting or other personal consumer reports

5. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX 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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I attempted to complete a transaction with Wise ( an international money transfer institution ). I was transferring XXXXXXXX XXXX from my XXXX XXXX  account to an XXXX located in XXXX. The purpose of the transaction was to pay my landlord my deposit and first month 's rent. On XX/XX/2025, I set up the transfer on Wise using my XXXX XXXX account information. The transaction was paid on XX/XX/2025. On my online banking, I can see the payment ( {$1000.00} USD ) leaving my account. Wise reported that it had paid out the XXXX  to the receiving bank on XX/XX/2025. However, the recipient bank in XXXX never received the payment. My landlord reports never receiving the payment and when he asked his bank in XXXX, the bank said they had never received the payment. The landlord even provided a recent bank statement showing that the payment was not received from XX/XX/XXXX to XX/XX/2025. I uploaded this bank statement to Wise, and Wise offered to " trace '' or " recall '' the funds, but Wise stated that it could not guarantee that the funds would be recovered. I chose for Wise to " recall '' the funds on XX/XX/2025, and Wise estimated an attempted recall will take 10 days up to a month as they work with the receiving bank. However, since the receiving bank reports never receiving the payment, I am skeptical that the receiving bank will not do a recall. I have used Wise once before without any problems, but this time, I am afraid that they have lost my payment worth over {$1000.00} and are drawing out the process. I am trying to pay my landlord in a timely manner to reserve a room, and these delays have caused issues for both of us.
Product: Bank account or service

I have been a client of Wells Fargo for over 10 years and just received I have noticed some unfair business practices in comparison to my other banks. I have a checking account and debit card associated with my account. For the past few months I have noticed that Wells Fargo will hold transactions until close to midnight. 

As it appears on my end if I have {$20.00} in my account, Wells Fargo will not posted my pending transactions until XXXX or so. So if a charge come in at {$22.00} at XXXX ( when I do not have the opportunity to make a deposit due to the time ) I am then charged with an {$35.00} overdraft fee. Surprisingly enough I have only noticed this ( close to close of business hold ) on transactions that will make my account overdraft. 

This year alone I have paid over {$700.00} due to these practices. When I spoke to someone about my concerns they explained that transactions post when they occur, which has NOT been the case for my account. 

I also have a XXXX XXXX XXXX and XXXX account and I have never experienced them holding transactions until close to close of business. My transactions posted shortly after I use my card and any ACH cards are posted earlier in the day. Which, if over drafted, I have to opportunity to make cash deposits that post immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

After extensive research I have become aware that your company is in direct violation of a number of federal and state laws including the FCRA, Fair Debt Collection Practices Act. Your company is in violation of Title 18 U.S. Code 1951, Interference with commerce by threats or violence and my 4th amendment right to privacy. Im seeking immediate relief for the inaccuracies and damages caused by your company. Below is a list of accounts that your company has published WITHOUT my written consent. 

XXXX XXXX XXXX XXXX  Opened XXXX -- XXXX XXXX XXXX XXXX 
Opened XXXX {$300.00} XXXX XXXX XXXX  Opened XXXX {$400.00} XXXX XXXX XXXX XXXX 
Opened XXXX {$420.00} XXXX XXXX XXXX  Opened XXXX {$480.00} XXXX XXXX XXXX Opened XXXX {$540.00} XXXX XXXX XXXX Opened XXXX {$620.00} XXXX XXXX XXXX Opened XXXX {$850.00} XXXX XXXX XXXX Opened XXXX {$990.00} XXXX XXXX XXXX Opened XXXX {$1000.00} XXXX XXXX XXXX Opened XXXX {$1100.00} XXXX XXXX XXXX XXXX 
Opened XXXX {$1100.00} XXXX XXXX XXXX  Opened XXXX {$3500.00} Open credit card accounts XXXX XXXX {$620.00} out of {$500.00} 125 % XXXXXXXX XXXX XXXXXXXX XXXX {$250.00} out of {$300.00} 85 % Inquiry details XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Missed Credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on-time 1 Missed Other loans XXXX XXXX XXXX Currently late 6 Missed XXXX Currently on-time 1 Missed
Product: Credit reporting or other personal consumer reports

I had a background check provided by XXXX and it say very incorrectly that I'm a XXXX XXXX not only once but twice! Which has never happened with any other background check and is definitely not true. I'm paying for an account that is now frozen due to this misinformation and missing out on opportunities to make money I desperately need as I'm currently out of work. I'm very angry and expect this to be resolved immediately
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting XXXX. XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting XXXX. XXXX  - XX/XX/XXXX The following inquiry was no and should not be reporting XXXX. XXXX  - XX/XX/XXXX The following inquiry was no and should not be reporting XXXX. XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting XXXX. XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting XXXX. XXXX  - XX/XX/XXXX The following inquiry was no and should not be reporting XXXX. XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting XXXX. XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are reporting incorrectly a collection/charge-off in the amount of {$12000.00} on XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I purchased a vehicle and along with this purchase there was also a factory warranty. Shortly after it was purchased the vehicle started to break down. I took the vehicle into the dealership to be serviced. The dealership would not honor the warranty. I was reluctant to continue to make payments on a vehicle that was not running. I tried numerous times to work with the dealership to fix the vehicle and honor the warranty however, they refused. The dealership took the vehicle back. There is no outstanding balance due and owing and this account. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres numerous inquiries listed on my Chex Systems Consumer Report. All the checking accounts and credit inquiries listed on my Chex Systems Consumer Report are fraudulent and unauthorized. There shouldnt be any checking accounts or credit inquiries listed on my Chex Systems Consumer Report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : INQUIRIES : XXXX : INQUIRY ACCOUNT NAME : XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX EXPERIAN : INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT XXXX : XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX INQUIRY ACCOUNT XXXX : XXXXXXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX, XXXX and TRANSUNION credit bureaus the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. Here are the items that needs to be remove in files : XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$760.00} ; XXXX SELF-REPORTED XXXX Balance Owed : {$75.00} ; US DEPT ED XXXX Balance Owed : {$0.00} ; US DEPT ED XXXX Balance Owed XXXX {$0.00} ; XXXX XX/XX/2022
Product: Debt collection

XXXXXXXX XXXX was notified of identity theft in XXXX and has sent this debt to a collection agency. I have responded to the collection agency before and told them this debt is invalid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payment was made on XX/XX/XXXX and has not been applied to balance. Concern is XXXX XXXX is reporting an incorrect balance ultimately impacting my credit limit and score with is reported to all credit bureaus. I feel this is a violation of the FCRA as funds have been applied but they are holding the payment for 7 days and the payment has cleared. This creates a bad customer experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has the following information on my credit report and it is not correct : Shows an address of : XXXX XXXX XXXX XXXX TX XXXX have never lived in TX XXXX XXXX XXXX XXXX TX XXXX have never lived in TX Shows a collection account from : XXXX XXXX, XXXX. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX. 
This does not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX This account was never late. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX This account was never late Shows an inquiry from : XXXX XXXX I did not authorize this. 
XXXX. I did not authorize this. 
XXXX. I did not authorize this. 
XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this.
Product: Credit reporting or other personal consumer reports

The experian login process is broken. I have submitted my name, SS #, and phone number for verification. I have tried to login in multiple ways. Every time that I do, I get a " Oops, we're sorry! Call us toll-free at XXXX '' error message. I call the number, go through a robot phone tree, and can find no information on actually logging into my account. 
So I mailed in a request to unfreeze my account, instead of doing this they sent a one-time id number that a third party can use to access my credit score. They did not give me a way to access my account, they did not give me a way to access my credit score, they did not give me a way to unfreeze my account. 
THIS HAS BEEN GOING ON FOR MONTHS. Experian has effectively cut off any and all lines of credit that I might access.
Product: Checking or savings account

On XXXX/19, I received call from my bank PNC from fraud department, that I have un suspicious transaction on my account. I go online, and saw that I have 2 same pending transaction on my account $ XXXX, I call to bank, they close my debit card, and issue provision credit back on my account. Yesterday I deposit check on my account, and a soon i open my information, I saw that from account debit again 2 same transaction $ XXXX on XXXX/19, from my old debit card, which was close on XXXX/19. I spend on a phone with PNC, over hours, trying to get back my money. I do not understand how they protect they customers if they aloud to take money to someone from close debit card. So after spending hours with PNC customer service representative, who hang up on me, after I spoke with supervisor XXXX who also put me on hold, and transfer me back to the line on hold, I did not get any resolve and I did not get my money back on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had an item that was deleted from my report reappear again. The account is XXXX/XXXX XXXX XXXX XXXX. Please remove this account from my report immediately. I have an earlier report showing it was not on my report and a new report showing that it is there. Thank You!
Product: Vehicle loan or lease

Hyundai Motor Finance took two payments from my checking account in XX/XX/2020 when only one payment was due and I did not authorize the second payment. I contacted them several times and was told it would take 16 business days to reverse it and they would then have to send me a paper check. Every person I spoke with at Hyundai has acknowledged that the 2nd payment taken in XXXX should not have been taken from my checking account because I did not owe 2 payments. They suggested I leave it and it would pay my XXXX car payment in full. Hyundai taking two payments in XXXX caused serious financial problems for my family because my monthly payment is {$720.00} a month. I left the payment with them and have since contacted them because the automated account information still says I owe my payment by XX/XX/2020. I called them and told them about this and they told me " not to worry about any late notices I receive ''. They would not and have not given me a receipt for the extra payment in XX/XX/2020 to reflect the 2nd payment was applied to XX/XX/2020. It looks like I just paid an extra payment on my account to Hyundai. 
For several months I have not been able to access my online account without calling Hyundai and having them delete my old account and start a new account. It works when they " fix it '' but the next day it won't let me access my account again. I put in my information to try and fix it myself and it tells me that my information is not correct. The information it asks me for is my date of birth and social security number. I have asked for technical support help to get it fixed permanently but have never been given that option. So at this point Hyundai fraudulently took over {$1400.00} from my checking account in XX/XX/2020 and made it sound almost impossible to get the money put back into my checking account in a timely manner. So when I decide I really have no other choice and believe my car payment is paid for XXXX and that I won't have another car payment due until XX/XX/2020 I find out that it was never applied to XXXX and I owe another {$720.00} by XX/XX/XXXX which I can't afford to pay. When I originally called them in XXXX it was to get them to help me fix my account again so I could log on and make my XXXX car payment but instead they took the two payments and charged me {$7.00} for each payment because they took the payment by phone. I am getting cheated so badly by Hyundai Motor Finance and I really need help. I have called them repeatedly and they lie every time. 
I also want to include that When I called in early XXXX to have them fix my account so I could log in they told me I didn't owe a payment for XX/XX/2020 because I was paid ahead so I opted not to make a payment in XXXX and use that credited amount for my payment. I included this because I do not want this getting confused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ) .On 07/12/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. Today on 07/12/2021, I contacted Transunion via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. Transunion is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now :
Product: Debt collection

Coastal Financial Solutions continues to call my place of employment after I have told them that I 'm not allowed to receive phone calls at work. They have also not sent any formal written communication regarding this debt. This company will also leave voicemails on my work phone stating my debt.