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

Lendify Financial is reporting an account in my name that was deemed not mine when I settled this with one of there representatives a while back they couldnt furnish proof that this was mine and therefore under the fair credit reporting act this is not supposed to be back on my credit when they removed it the first time now its back again on my XXXX  report and not on my XXXX  or XXXX  credit report this is inaccurate credit reporting and shouldnt be on my credit anymore and want it removed immediately
Product: Debt collection

Jefferson Capital Systems , LLC at XXXX XXXX XXXX XXXX. XXXX, MN XXXX has been sending me collection notices in the amount of {$1800.00}. The Collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Credit reporting or other personal consumer reports

Capital one had a past due balance of {$7.00} and some change that I was unaware existed because the account had been closed. Once account is closed, no further contact is made. I had no idea this was past due or I would have paid it. I didnt know the {$380.00} was there either because once the account is closed nobody contacted me and it kept building fees that I couldnt see.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT 2 LETTERS TO XXXX  ON THE XXXX AND XXXX OF XXXX, WITH NO RESPONSE CONCERNING THE INACCURATE ACCOUNT OF TRANSFINANCIAL , INC.THIS HAS BEEN A STRESSFUL PROCESS WITH NO HELP IN THE MATTER.TRANSFINACIAL ARE REPORTING DUPLICATE ACCOUNTS WITH XXXX   AND THEY WONT REMOVE THE ERRORS.I HAVE ATTACHED THE COPIES OF THE LETTERS BELOW
Product: Mortgage

Requesting that my XXXX late payment be removed as we weren't aware our autopay we had set up didn't go through. Our financial institution had a glitch and it was out of our control and we weren't notified otherwise we would've paid it right away as we have not had a late payment on this mortgage before.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent : XXXX XXXX XXXX {$3600.00} XXXX   XXXX  {$740.00} XXXX XXXX {$200.00}
Product: Credit reporting or other personal consumer reports

XX/XX/2023, I went to a car shop in nj to look at a car XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had told me I can get a loan better than the one my bank has given me I told them no Im okay, he asked again I said I dont want anymore hard pulls on my credit he them told me thats this wouldnt be a hard pull it would be a soft pull, he lied and XXXX XXXX made another hard pull on my credit after I just gotten my credit pulled by my bank and had a loan already
Product: Debt collection

524 Injunction : Bank of America per the enclosed exhibits did not adjust my mortgage on the agreed date to be compliant with the court order reaffirmation agreement. BAC kept sending me statements with the original loan amount and payment. I making the required payment the month after the agreement only to have BAC escrow the payment and not apply them. In XXXX XXXX acquired the mortgage servicing rights with the incorrect balance and monthly payment and now a forced placed insurance policy added to the loan. XXXX XXXX started sending out notices with the original note information then corrected the loan in XX/XX/XXXX but still listed the cram down debt on the statements as defferred P & I this was a violation of my plan and a 524 Injunction. 
XXXX XXXX filed a foreclosure motion in XX/XX/XXXX but before I could file a counter claim XXXX XXXX sold the mortgage to XXXX and XXXX became the new loan service company. XXXX assumed the foreclosure in court where the case was not heard only rubber stamped by the judge. The docket of the foreclosure case states that I never paid a payment after the reaffirmed agreement now XXXXXXXX XXXX has stated that I had made 4 payments and that BAC had not been compliant. XXXX XXXX has now listed the reaffirmation crammed down debt in the amount of {$19000.00} as BK Cost on payoff statements this is the exact amount of the XXXX XXXX Defferred P & I listed on there statements. This is attempt to collect discharged debt and code it as something else in court is a 524 Injunction of the debtors Bankruptcy plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent received an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Product: Money transfer, virtual currency, or money service

I was using merchant services, offered by the company Square, to take payments for a small business I was trying to start in 2019. On XX/XX/2019 I received a payment of {$40.00} from a customer, which I then attempted to transfer the net profit of {$38.00} to my bank account, only to discover I was unable to do so because my transfer capability had been suspended. The note on my account said my transfers were suspended while they completed a periodic account review for customer security. It states that the review process typically takes XXXX business day. It has now been almost 1 year since it was suspended, on XX/XX/2019. You can not reach anyone on the phone, its just an automated system that tells you to check your email for a message about the suspension then hangs up, which there was never an email sent to me. I tried reaching out to their support team on XXXX, but they replied just once asking for my email address, which I provided, then Ive been ignored ever since. I can not get in touch with anyone to remove the suspension that has been in place for over 11 months now. I have a balance of {$38.00} that is being held from me and no way to reach a person to talk to and have it removed so I can get the money Im owed. I no longer use their service. I just want my funds and to be done with them, but I cant get any help from them.
Product: Credit reporting or other personal consumer reports

My numerous efforts to address the fraudulent inquiries on my consumer report have been fruitless. These inquiries are entirely unrelated to me, and I am not responsible for them in any way. Their presence has resulted in considerable emotional and financial strain. As an identity theft victim, I will be forced to pursue legal action if this issue is not properly resolved. These inaccurate and fraudulent entries have prevented me from purchasing my desired home and adequately providing for my family, severely impacting my financial stability. I have included a copy of my previous correspondence to the Federal Trade Commission ( FTC ) detailing this issue and requesting resolution for your reference.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports, I did not receive any communication from TransUnion informing me that this account was under dispute. This failure to notify me of the dispute violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically section 623 ( a ) ( 3 ), which mandates that credit bureaus must notify consumers within 5 business days of the receipt of a notice of dispute.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres XXXX posted a Story ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 
+ XXXX
Product: Checking or savings account

On on XXXX XX/XX/XXXX I deposited a check for {$36000.00} to my ROTH IRA account. I was told that it would take 2 business days for the check to clear but after 6 business days the check had not cleared but had been recalled by the issuing bank because of a miscommunication between myself and the check issuer Navy Federal Credit Union subsequently froze my checking, savings, money market, ROTH IRA, debit card, credit card and online account access for supposed suspicious activity. I received an email from them on XXXX XXXX about this I called Navy Federal Credit Union Security people they were rude and told me they suspected i was being scammed and would not let me provide proof otherwise and froze all my accounts. I contacted the attorney that is representing the funds owners the provided a legal deposition/affidavit filed in the State of New York , Supreme Court , Appellate Division , Third Judicial Department on Friday XXXX XX/XX/XXXX, my accounts are still locked. This is the second problem with taking way too long to resolve issues on XXXX XX/XX/XXXX by bank account information was Phished and it took them on XXXX XX/XX/XXXX by bank account information was stole/phished/spoofed and it took them in excess of 42 days to return money stolen from my accounts
Product: Credit card or prepaid card

I have tried to file a dispute with Chase on a Southwest Visa Credit Card and have been on hold a combined 4.5 hours with no answer.
Product: Debt collection

On XX/XX/2023, I attempted to make a regular monthly payment of XXXX ( I make my payments on time every month ) When I logged in the amount changed from XXXX to XXXX so I called Title Max of Delaware located at XXXX XXXX XXXX, XXXX DE XXXX they advised I refinanced my loan most likely unknowingly thru the mobile app when I was making on payment on XX/XX/2023. They stated I received an additional loan payment in the amount of XXXX, I never received any additional funding and when I asked where and how this amount was given to me they are unable to confirm or trace the payment to me. This now caused my loan to go into default also causing my vehicle to currently be on the repossession list, I have filed a civil action against them currently and it is causing XXXX, stress and sleepless night worried about my vehicle getting taken. I have never missed a payment on my term.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against PayPal due to their unjust and baseless actions in permanently limiting my account without valid reasoning, effectively holding my {$600.00} hostage with no justifiable cause.

I created a legitimate business account, verified my identity with my SSN, ID, and all necessary documents, and complied fully with PayPals requirements. However, after receiving a single payment from a friend who was helping me start my business, PayPal immediately flagged my account for " suspicious activity '' which is completely false and outrageous.

Despite truthfully explaining the nature of this transaction, PayPal has refused to reinstate my account or even allow me to access MY legally owned funds. Furthermore, they have made false accusations, claiming I have shared information across multiple accountsa blatant and baseless lie.

This is nothing short of theft. PayPal can not simply take my personal information, allow me to conduct business, then permanently limit my account without a shred of evidence or due process. If PayPal refuses to immediately reinstate my account or allow me to withdraw my {$600.00}, I will escalate this matter as far as necessary, including legal action.

I demand an immediate resolution, or PayPal will face further complaints, including consumer protection agencies and legal authorities. 

PayPal Email : XXXX This unfair and predatory behavior needs to stop, and I expect an urgent response.
Product: Credit reporting or other personal consumer reports

i am filing this because i believe my personal information was compromised in the XXXX  XXXX XXXX XXXX, which has resulted in unauthorized accounts being opened in my name. According to the ocial XXXX XXXX XXXX website, www. 
XXXX  I was directly impacted by this breach, during which sensitive personal information such as Social Security numbers, date of birth and other identifying details were exposed. The exposure Off my data during this breach had allowed unauthorized individuals to fraudulently open accounts without my knowledge or consent. This has caused significant harm to my credit and financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX a consumer in fact a natural person was reviewing my consumer report on XX/XX/2021. I noticed that Equifax and other consumer reporting agencies are participating in fraudulent credit reporting activities by reporting inaccurate and unverified information to my consumer report without my XXXX XXXX written consent which is a violation of 15 usc 1681b. Also Equifax and other consumer reporting agencies have breached my individual privacy which is a violation of 15 usc 1681a ( 4 ).
Product: Money transfer, virtual currency, or money service

I responded to a post for a concert ticket that was being sold. The person was quick to reply and sent a picture of the ticket. She asked for my form of payment which was Zelle through XXXX XXXX. I sent {$55.00} for the ticket and waited for her to transfer it. She said she was waiting for confirmation of payment from her mom who was at work. She apologized for it taking a while and thanked me for being patient. The Zelle account was under the name XXXX XXXX and the email was XXXX. I waited and after a while of not hearing back from her I sent another message, but XXXX said my message could not be sent. I clicked on her profile to find her, or I guess his, account had been suspended. Ive tried emailing the email tied to the Zelle account but get to reply. I also tried to sort it through my bank but they were unable to get my money back because a transfer through Zelle is instantaneous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute online and experian refuses to delete all incorrect address along with names that are incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found several inaccuracies. The Experian and XXXX credit bureaus must validate this accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to disregard the validation of this reporting accounts as unverified information without providing any proof within the legally mandated timeframe. The following accounts must be investigated and corrected for erroneous reporting in my file, as they are listed on my credit report : XXXX XXXX XXXX Balance : {$7000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$7100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. 
XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX Reported incorrect Information on my credit reports and I called these three major credit Bureaus to clear all their derogatory reports, but they have not complied since XX/XX/2002 till present. 
EXPERIAN, XXXX XXXX, AND XXXX made my life miserable. 
I can not refinance my house loan since XX/XX/2002. 
I can not cash out since XX/XX/2002till present. 
As a XXXX XXXX I can not do " A '' loans for my clients because of the damage the servicers have done to my credit. Their damages to my credit suggest that I have bad credit, which makes me ineligible to help clients who have good credit. I have to buy Bond as an out of pocket expenses to be in compliance. 
They have defamed my character with false reports. 
Credit card companies will not approve me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XX/XX/year> Re : Letter To Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. 

Here as follows are items in error : XXXX XXXX XXXX Account number : XXXX I am unaware of the above listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping CAREFUL record of your actions.Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the better business bureau along with an online public press release, including documentation of any potential small claims action. 

* Please remove all non-account holding inquiries over 30 days old. 
Thank you for your cooperation in this matter, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The wrong addresses and birthdate is wrong on my credit report tried to have them update my information but didnt work out
Product: Credit reporting or other personal consumer reports

My checking accounts were hacked in XXXX. My bank ensured that all the checks that were cut before the hack took place were paid. My credit score dropped over XXXX points and my XXXX XXXX XXXX credit card in particular went down to a {$250.00} available credit balance. I run a business and use my XXXXXXXX XXXX XXXX a lot and this is a huge inconvenience ( especially when I didn't do anything wrong ). My credit report does not show that a missed payment was made to any of my credit card but for my XXXX XXXX, but I have handled this with XXXX directly. I'm more concerned about how I get my credit card back to the available credit I had before my credit was compromised. The bank and XXXX XXXX XXXX told me to reach out to the credit bureaus which is what I think I am doing by contacting you. Thank you and I appreciate any help you can assist with regarding this matter. XXXX XXXX.
Product: Student loan

I have been unfairly directed into forbearance and deferment for years while I could have qualified for income driven repayment. Navient knowingly and intentionally steered me toward forbearance and deferment instead of making me aware of more suited methods of repayment. I have over 7 years of foreberance and deferments during which time I would have qualified for IDR and during which I have been negatively effected by negative credit reporting and delinquencies. My loans were predatorily directed in the most profitable manner while neglecting my best interests. Please inform me of the best course of action.
Product: Checking or savings account

Recently Wells Fargo has changed the way they charged overdraft fees on my account. Previously, Ive never been charged if my account was negative due to pending withdrawals, as long as my daily ending balance was positive. Now Im being charged fees if the account has items clear while pending items show my available balance as negative. Ive called multiple times to see if there was an official change in the policy, but every agent that Ive spoken to has told me that this is how theyve always processed overdraft fees, which from my personal experience it is not how it was done before. My main concern is that Ill be charged fees for pending transactions that could never actually post to my account, such as using my card to book a hotel room, or if I use it for setting up automatic payments that result in a {$1.00} authorization that Im never actually charged. I wouldnt mind if they would just tell me that they made this change, but no one will admit to it so it feels extremely underhanded as they will be collecting fees until consumers become aware of the change. The most recent time that Ive seen this happen was today ( XX/XX/XXXX ) when I had a car payment post to my account on Friday ( XX/XX/XXXX ) and then received an overdraft fee even though my account had a posted balance of {$310.00} for the end of the day on Friday. I see no reason to have both a posted balance and an available balance when the posted balance has no bearing on my account.
Product: Debt collection

I sent in a police report where this was notified as identify theft. I shouldn't have to pay for anything that I didn't do and I already have an active XXXX account.