23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have tried to make several payments on my XXXX loans, auto-allocated, all of which have had a " payment reversal ''. I started trying to make payments several months ago when the interest rate was at 0 %, which has now ended. So I was unable to take advantage of this, because my payments were being reversed. 

There is no issue with the bank or my bank account number that is directly attached to the loan account. 

Here is my payment history : XX/XX/23 : payment reversal of {$500.00} XX/XX/23 : payment of {$500.00} XX/XX/23 : payment reversal of {$500.00} XX/XX/23 : payment of {$500.00} XX/XX/23 : payment reversal of {$500.00} XX/XX/23 : payment of {$500.00} I was never notified of the payment reversals, so I was unaware until recently that I have " not been making payments ''. I believe this is extremely unethical behavior on Aidvantage 's part. Now they have been able to gather more interest from me without my knowledge and now it is too late. I hope this is investigated further, as I have read in many forums that others have been having the exact same issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I call Transunion to complain about the fraud inquires thats was place on my report and they was not trying to help so can you please ask them to provide supporting sign documents with my consent if not place have them to remove all inquires listed below XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018
Product: Vehicle loan or lease

I gave back a car that did not run properly and had multiple issues and recalls from XXXX XXXX XXXX. This vehicle should have never been sold to me, the car lot where I bought it had been closed down and is under investigation for fraud! 
I in return could not even trade in this vehicle because of the recalls! So therefore I gave it back to the finance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent transuion a cease and desist notice, affidavit of truth and bill of particulars notices. I have called transuion numerous times to dispute inaccurate, unverified and unauthorized items on my report. Transuion has continued to break federal law and violate my consumer rights. Pursuant to 15 usc 1681b, a CRA can only furnish a report with written instructions from the consumer and I have NOT given you written authorization.
Product: Credit card or prepaid card

I previously contacted Navy Federal Credit Union for charges with XXXX and XXXX XXXX  between the end of XXXX and the beginning of XXXX. I did not make any of these purchases. I had my card in my possession at the time of the purchases and I never authorized anyone to use them. I have never made purchases or ordered services with XXXX or XXXX XXXX I was initially issued credits for the transactions and my card number was replaced. I was notified the next day that additional attempts had been made using the card and they would be included in the fraud investigation. To my surprise on XX/XX/XXXX, I was recharged for the transactions and no clear information was provided to me as to why. I was sent an email from a representative advising if I wanted to have the charges reviewed, I would need to do so in writing. I am truly disappointed to be treated this way by an institution that I had so much trust in. I paid the balance of the transactions today to stop my credit reporting from being impacted by charges I did not make. The representatives were unhelpful in attempting to resolve my concerns. This is an unacceptable practice to hold a consumer responsible for fraudulent transactions. It was then told to me to explain how someone may have gotten access to my card information. With a world where cyber fraud happens every day, its disheartening to expect the consumer to explain how fraudsters may have gotten access to my card.
Product: Credit card

I had a PayPal credit account in 2022 for around {$1800.00} or so. I went through significant hardship during divorce proceedings. They were harassing me very early on about late payments, much earlier than other credit companies. Before I could catch my breath to acknowledge the problem, they had already closed the account and sold the debt to an extremely aggressive debt collection company, XXXX XXXX. Considering Synchrony Bank is also behind Care Credit, these overly aggressive tactics seem scary for them to be behind a company that loans for health procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHEXSYSTEMS INC. IS REPORTING FRAUDULENT BANK ACCOUNTS AND FRAUDULENT INQUIRIES ON MY CHEXSYSTEMS CONSUMER REPORT, DAMAGING MY NAME AND CREDIT.
Product: Debt collection

I have been disputing this information on my credit report for the last 3 months. I have not received a response from TransUnion, XXXX nor XXXX. These companies are now in violation of the FCRA by not conducting a fair and accurate investigation of these items
Product: Money transfer, virtual currency, or money service

To whom it may concern, On Sunday XX/XX/2021 I used Paypal service to transfer {$2000.00} to my sister in law. Before completing the transfer, Paypal asked if this was a purchase payment or transfer to friends and family. It said no charge for friends and family. So I proceeded to make the transfer. Next thing I know they charged a 2.90 % fee or {$57.00}. This is unfair and deceptive practice. How can they state there is no fee previously and then charge one? You had to choose between friends and family or payment purchase/business before going to the next step. Clearly this is misleading and false advertising of their services. 
Please force Paypal to disclose applicable fees responsibly and clearly. 
Thank you for looking into this. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account shows as a charge off paid account. This information is incorrect. I have contacted this company several times regarding this matter. And no one is willing to help assist me in correcting the information. 

It is listed as a loan which is inaccurate. It shows as a charge off which is inaccurate. It states that this account was closed on XX/XX/2021 which is also incorrect.
Product: Credit card or prepaid card

American Express National Bank stole {$400.00} XXXX {$300.00} XXXX XXXX
Product: Credit card

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XXXX under the account number XXXX and XXXX under the account number XXXX and XXXX under the account number XXXX and XXXX under the account number XXXXXXXX XXXX XXXX  under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I noticed an unauthorized inquiry into my credit. XX/XX/year>, I contacted XXXX XXXX with Prosperity Home Mortgage and requested to know why my credit was run without my knowledge or consent. He stated it was an error that should be removed in 10 business days. XXXX XXXX stated this in XX/XX/year>, it is now XX/XX/year> and the inquiry has yet to be removed. This action has drastically impacted my credit.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXXXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

On XX/XX/24 I noticed the account XXXX XXXX XXXX on my credit report. I have no prior knowledge of this account.
Product: Credit card

Bank of America is misreporting on my credit report a credit card that has been charged off. The account was charged-off back in 2012, however Bank of America continues to report the account as an account as open but also with a past due balance, which is reflecting a missed the payment for every month since the charge-off date. Charge-off accounts can not be legally reported as having been past due every month after they 've been charged-off, they are supposed to show that the balance has been charged-off. Instead for the last 5 years, every month, they 've reported a new late payment on my credit report, so this account shows I have over XXXX late payments after it was charged off ( Please see attached excerpt of credit report ). This is a blatant violation of the FCRA.
Product: Payday loan, title loan, or personal loan

Money was put in to my account without permission they also was not suppose to put money in with the permission of the owner they claim that its was a loan and it was their money and they remove it because it belongs to them. And they claim that someone in the middle of the night on XX/XX/XXXX tried to obtain another loan on XX/XX/XXXX and it was rejected.They claim someone of this computer frudalancy took out a loan without the permission or consent of the owner Since we both know the account number and bank account number which can be my social security number instead of the bank account number and that 's not so! We have survallence videos of the room at night .If anyone operated the computer at night, we will know! That happens at night in this room. The video camera 's in this room stay on 24 hours a day 7 days a week 365 day a year.
Product: Credit reporting or other personal consumer reports

Credit collection services was added to my credit report XX/XX/year>. Im not sure what this is and I tried disputing it and it immediately got rejected. The only information I was able to give was my social because Im unsure what its for
Product: Mortgage

I experienced a hardship in XX/XX/XXXX when I lost my job and then divorced in XX/XX/XXXX. This resulted in a prolonged financial hardship and I contacted my lender Citimortgage and requested assistance. I was advised that I could not qualify as I was not in default and was told to stop making payments by an attorney in order to meet the program guidelines. I had returned to work in XX/XX/XXXX and was in a position to begin making a modified payment. After a prolonged period of submitting and re-submitting documents as they were requested I was denied for modification even though I had been approved for hardship assistance under the State of Nevada 's HHF. A Notice of Default was recorded on my home in XX/XX/XXXX. I attended mediation in XX/XX/XXXX, under Nevada 's FMP and the notice of default was cancelled due to the lender 's failure under the FMP rules. XX/XX/XXXX I sought assistance from XXXX Housing counselor and began the process of review for loan modification again. During the time that I requested assistance I received multiple denials including letters that identified my loan as ineligible under multiple programs including 1 ) Private Supplemental program ; 2 ) VA HAMP ( loan is not VA ) ; 3 ) HAFA Short sale option ( I did not request ) and 4 ) Lack of contractual authority as investor is XXXX XXXX. Each time the modification was denied I was advised to reapply but was never reviewed based on my ability to repay. In XX/XX/XXXX another Notice of Default was recorded and a mediation hearing was held in XX/XX/XXXX and once again the default was cancelled due to lender failure. 
I have been trying to preserve my home for myself and my XXXX children who live with me. I have had the ability to make payments since shortly after this process began and my only goal is to keep my home and honor my commitment to meet my obligations. Citimortgae has made this process incredibly difficult and I have done everything that they have asked. It is my understanding that as The XXXX XXXX is a Government Sponsored Entity that falls under the oversight of the Federal Housing Finance Agency that is does or should participate in loan modification resolutions.
Product: Money transfer, virtual currency, or money service

Cash App failed to take action against fraudulent activities, such as scams, phishing attempts, or unauthorized transactions, it could be seen as a violation of consumer protection laws. Cash App is required to have measures in place to protect users from fraud. Cash App did not adequately address situations where users accounts were accessed without permission, or funds were transferred without authorization, this could be a breach of laws regarding consumer protection. Attempted to resolve an issue ( such as an unauthorized transaction or payment dispute ) and Cash App failed to provide adequate support or resolution, it may be a violation of fair practices. cashapp used fake support bots to try to resolve issues.Cashapp closed my accounts for no reason
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX requesting Transunion to reinvestigate and update this Account from my report during the investigation period. As of this date, the Transunion has failed to respond to my written requests. Transunion must validate this account in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct from erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX XXXX Late Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I submitted disputes to XXXX, XXXX and Transunion to get several issues resolved to no avail. 
All companies listed are in violation of the Privacy Act of 1974, Fair Credit Reporting Act 15 U.S.C 1681b and the Federal Educational Rights and Privacy Act ( FERPA ) 15 U.S. Code 6801 - PROTECTION OF NONPUBLIC PERSONAL INFORMATION ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

15 U.S. Code 6802 - OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party Most Important is the violation of [ 16 CFG 313.3 ] DEFINITION ( o ) Personally identifiable financial information ( 2 ) Examples ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry-XXXX XXXX XXXX Inquiry- XXXX XXXX Inquiry-XXXX XXXX  Inquiry- XXXX XXXX Account - XXXX XXXX I tried contacting Equifax to have these fruadulent inquiries and account removed from my credit report because immediately and my mother live in a shelter got away from my abusive dad I told them he was fruadulently using my social security number for credit I even had a alert on my account XXXX found that out removed everything XXXX as well I have the provided documentation from them in the upload I need Equifax to removed them from my credit report as well
Product: Mortgage

Last XXXX my wife, XXXX and I ( XXXX ) received the document from the Gateway mortgage of XXXX, Texas for the first time for what reasons, we did not know. Then some- time later her second elder son, XXXX said that the Gateway mortgage agency wanted to know all about his parents and their finances without our knowledge and our per-mission. They argued that it was just information in the Gateway Mortgage wanted to know. Why? What's more, they had said nothing about the co-signers - that's - XXXX may have expected us to get involved in their affairs as I had suspected at first. So many months had passed until last Monday the Gateway mortgage mailed the documents in which they expected us to be co-signers. Such documents ( some of them that I did not understand, and I did frankly tell XXXX that I was not sure of what I did not understand. But XXXX used his forceful request for us to sign so quickly and mail them to the Gateway Mortgage before the coming Friday. We are retired, and XXXX is XXXX XXXX XXXX and I am XXXX XXXX XXXX. What's more, we are XXXX  since birth. Your website said : " You do not have to sign such document, as mortgage if you do not understand. '' That is a relief for us. I need your help on this case. It's because we are prepared to move out of apartment soon because of increased rent in which we could not afford. We plan to move to the assisted living site somewhere in XXXX, Oregon.
Product: Bank account or service

I opened a checking account with Simple Bank ( BBVA Compass ) on XXXX XXXX, 2016 and initiated the direct deposit of my paycheck. This was to begin on XXXX XXXX, 2016. I received a live paycheck while account verification was taking place in the amount of {$1900.00} and initiated a Mobile Deposit via the Simple app on XXXX/XXXX/16. The day after I received the live check, I found out from my payroll department that my employer needed to replace it ( maybe an incorrect account # ). I communicated this to Simple. On XXXX XXXX, I received the replacement check ( {$1900.00} ) and initiated the mobile deposit with it. On the same day, Simple made a debit adjustment in the same amount awaiting the return of the XXXX check deposit. On XXXX XXXX, Simple made another debit adjustment for the return of the XXXX live check ( which had already been done on XX/XX/XXXX ) in the amount of {$1900.00}. My first actual direct deposit came in on XXXX XXXX which actually XXXX my account. My account was then closed by Simple. I made several attempts to reach out to Simple via telephone to find out what was happening to my account and get this corrected, as a review of my account should had shown that my account was simply debited twice for the same adjustment, but to no avail. Simple told me that due to security reasons, my account had to be closed and that they could not speak with me any further and hung up the phone on me. I repeatedly tried calling them, but got the same response. My account was adjusted again on XXXX XXXX, showing my direct deposit and my correct balance of {$1900.00}. I actually thought that they found the error ( after I sent a timeline via the support function on the Simple web site ). Communicating via the support function on the Simple website, when I asked when I would be able to get my money back, I was told that after all transactions have been settled on my account, that I would get the balance within 3 weeks. On XXXX XXXX, another adjustment on the account says, " Force Paid Debt. '' When I asked, via the support function on the Simple web site, what does this mean, I was told to refer back to the " Your Account has been closed '' message. This message does not tell me anything and has not been of any assistance. I am now out XXXX paycheck and had to take out an advance on my next pay to make ends meet. I am not getting anywhere with Simple Bank ( Compass BBVA ) and think that I need help to get back my paycheck which I feel has been stolen from me at this point.