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

cfpb complaint # XXXX Experian Is over the time of investigation, Experian responded with the start of investigation XXXX XXXX, 2022. Then XXXX2022 they responded again stating they were still working on my issue and reaching out to the alleged creditors/ furnishers of the reports that have no permission from me as the consumer to report private information, neither does Experian. It is now XXXX2022, Experian has had enough time to investigate. PLEASE REMOVE ACCOUNTS
Product: Vehicle loan or lease

My due date was changed in XX/XX/2024 when I asked for a loan deferred payment and now Im being charged a late fee for the loan since XXXX of {$38.00}. My loan was originally due on the XXXX of the month at the end. Now Im charged fees every month and would like all the fees to be returned and my due date returned to the end of the month.
Product: Checking or savings account

I filed several complaints & disputes regarding a fraudulent, deceiving scam online. I thought I was purchasing certain items, which was not AT ALL what I was sent, the site was removed shortly after making my purchase & there was no phone number or anyone to contact. Therefore, I reached out to my bank and filed a thorough dispute, I included the images of what was sent, what the site showed that I was buying and all the details. My bank has said that I have not sent enough information to support my dispute- but I was never told what more they needed. When I last called to check on my most recent appeal regarding the dispute outcome, I was told by the representative that he wanted to help me, but could not figure out why it was denied and he suggested I contact the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXXXXXX XXXX XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

XX/XX/19 is the last day i had my debit card i made a purchase that day.that same day my card was lost and fraudulantly used in multiple things includeing a fraudulant claim made with chase and fraudulant deposits and fraudulant withdrawls and fraudulant transactions totaling over XXXX $ chase is denying my dispute for multipe inconsistencies/red flags which include my pin was used and writen down whitch is not enough to deny my claim accourding to the laws protecting me as a bank consumer and they refuse to use audio and video footage to prove it wasnt me they stated that thats not evidence. another inconsistency was that my account was being moniterd by a trusted device around the days of the charges and nothing was reported i do not remember looking at my account and i tried telling them other people has access to my account overview and that i had no idea of knowing about the transactions. also they said a day or two before i reported i lost my card charges were denied on my account because chase thought they were fraud and they never showed up on my statement and i wasnt notifed so how could i know they whouldnt tell me what they were either so i might of made those charges and i might not of how could i know if i am not told what they are. also i recieved the two fraudulant that someone tried depositing in my account from chase in the mail and ive never even heard of the place writen on the checks and the signiture on the back is not even close to my signiture and they have my signature on file. they have already taken money out of my joint accounts trying to get the money they think there owed back this is ridicouls and all chase can tell me is to find evidence and show them and that this is a unfortuite sittuation.none of there so called inconsistencies make sense or dont hold up and they cant deny my dispute because i wrote the pin on my debit card but they are.please help!
Product: Money transfer, virtual currency, or money service

Dear PayPal Customer Support, I hope this letter finds you well. I am writing to formally appeal the permanent limitation that has been placed on my PayPal account. I believe that this limitation was placed as a result of a mistake, as I have not violated any of PayPal 's policies or engaged in any activities that would warrant such action. 

First and foremost, I would like to emphasize that I have been a loyal and responsible user of PayPal. Throughout my usage, I have maintained a strong commitment to complying with all the terms and conditions set forth by PayPal. I have always conducted my transactions in a lawful and ethical manner, respecting the platform 's policies and guidelines. 

Upon discovering that my account has been permanently limited, I thoroughly reviewed my recent activities to understand the reason behind this decision. To the best of my knowledge, I have not engaged in any prohibited activities, such as fraud, money laundering, or any other actions that could potentially compromise the integrity of PayPal 's services. I have always strived to maintain a positive reputation and have not received any complaints or disputes against my account. 

Considering the aforementioned points, I kindly request PayPal to re-investigate my case in detail and reconsider the permanent limitation imposed on my account. I believe that there may have been an error or misunderstanding leading to this decision, and I am confident that a thorough review will reveal my adherence to PayPal 's policies. 

Moreover, I understand that PayPal values its customers and aims to provide them with a secure and reliable platform for online transactions. As a loyal user, I kindly request the opportunity to present any additional information or evidence that may aid in the reevaluation of my account 's status. I am fully committed to cooperating with PayPal throughout this process and providing any necessary documentation to support my case. 

For your convenience, the email address associated with my PayPal account is XXXX. I kindly request that all further communication regarding this matter be directed to this email address. I appreciate your prompt attention to this appeal and hope for a fair and favorable resolution. 

Thank you for your time and consideration. I remain hopeful that PayPal will recognize my dedication to your platform and restore my account, allowing me to resume using PayPal 's services for my financial needs. 

Yours sincerely, [ XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, car was paid off to XXXX. XXXX XXXX has reported to only one credit agency that the payment was settled as agreed and has reported, kept the report, as a charge off on 2 other credit agency lists. XX/XX/XXXX update to my report : it says, paid in settlement XXXX written off. The correct thing is to have it show, paid. XXXX balance. That is what an employee of the creditor told me it would say. I have his name and phone number if it heIps. have disputed and sent emails and called XXXX to request my credit be corrected and updated and if unable then want it removed. nothing has happened and I have been denied a mortgage because of the charge off status. i have the letter from XXXX XXXX and XXXX stating account is closed and paid. what more proof is needed for the agencies and companies to correct their error?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters/disputes to XXXX XXXX, Experian, and XXXX about incorrect information currently on my credit report. I have not gotten any responses. I am very afraid that someone has been using my information and opening fraudulent accounts. The Only Names, Addresses, & Employers that should be listed on my Credit Report are as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former Adress XXXX XXXX XXXX XXXX, XXXX  XXXX Current Adress XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employer : XXXX XXXX
Product: Vehicle loan or lease

I decided to give car back after being charged excessive fees after by company after being one day late. I tried multiple times to get it corrected to no avail. I asked for assistance during covid and they would not assist.
Product: Checking or savings account

BankMobile Vibe, a division of customers bank, has not provided the terms of check cashing. You can deposit a check using the app. The only instructions is to make sure there is proper lighting, the background is neutral and check endorsed. 
A check a submitted through the app on XX/XX/XXXX was rejected because I didnt write for mobile deposit only on the back. There is no instruction to do so on the app! I was told it is told in the online account once you log in using a computer, however, that is not what you use to deposit the check! The instructions should be included on the app, especially if its a requirement! 
I have also submitted a check in XX/XX/XXXX that was approved and cleared and it didnt state for mobile deposit only. An institution can not pick and choose when they want to enforce a rule! 
I am now out of town with no money because of this! I can not add those words to the check for another week! The physical check is at home! This is not right!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry on my Experian credit report that does not belong to me. I contacted the company who reported it, I was told by one of their representatives that someone applied for a business loan using my information. I added a fraud alert to my credit report and sent Experian a  certified letter XX/XX/2020 and haven't heard anything back. I asked the company to remove it and they said that it has to be investigated they don't remove it. Here is the company 's address : US SM BUS ADMIN XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX Reported XX/XX/2020 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX and Experian at least XXXX times already regarding this account and they came back verified. 

Here I attached Evidence this account can not be verified. This is a copy of the response I got directly XXXX XXXX XXXX. They have nothing on file and directed me to speak with XXXX XXXX. I already contacted XXXX ( XXXX XXXX XXXX ) through the CFPB who had nothing on file and already withdrew their claim to this debt and stopped all collection activity so tell me how can XXXX   and Experian verify this?. Now if neither XXXX XXXX XXXX nor XXXX XXXX has anything to verify this claim HOW IS IT POSSIPLE XXXX VERIFIED THIS ACCOUNT? THIS IS FRAUD AND I WILL BE SUEING IF THIS IS NOT REMOVED IMMEDIATELY. Transunion already deleted this account months ago. 
Check the attachments to see XXXX XXXX withdraw claim months ago and also a letter from XXXX XXXX as well recently stating they have nothing and should contact XXXX XXXX since the account was sold to them. Its impossible for XXXX or Experian to verify this account since neither company can verify when I contacted them directly. 
Remove this account right away, this is a fraudulent entry on my report and both XXXX and Experian are breaking the law and committing repeated FCRA violations. 
These credit reporting agencies are willfully defaming and will be suing to the full extent I'm allowed for damages to my financial well being. 

XXXX XXXX XXXX XXXX is an unverifiable account and must be removed immediately.
Product: Consumer Loan

In XXXX of 2007, my name appeared second on a finance contract with ALLY FINANCIAL to allow my former wife to purchase a vehicle under the XXXX Program. After she made several late payments, ALLY FINANCIAL sold the vehicle for a profit and refunded some of the money to her. Despite that I made none of the late payments nor received any of the proceeds, ALLY FINANCIAL refuses to delete this account from my various credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 Account number XXXX Original creditor - Company sold - Account type Auto Loan Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Status updated XXXX XXXX Balance {$18000.00} Balance updated XX/XX/XXXX Original balance {$21000.00} Monthly payment - Past due amount {$18000.00} Highest balance - Terms 73 Months Responsibility Joint Account Your statementn accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX.
Product: Debt collection

They are reporting a collection account in the amount of {$1500.00} on my credit report. This is not my account. I have disputed this several times with the credit bureaus.
Product: Mortgage

PNC bank bought my mortgage in XXXX from XXXX Mortgage. PNC sent me a letter with a new lockbox address for my payments to go to. I sent my regular payment to that lockbox and after a couple weeks PNC sent me a letter and said my payment wasnt enough. Apparently during the sale of the loan they also increased my monthly payment without telling me. I called PNC bank on XX/XX/XXXX and over the phone I paid both the XXXX dollars that was deficient and also the full XXXX payment. They did not do what they said and applied the full payment to XXXX and lost the other partial payment. Now it says my paid to date is XXXX after calling several times. Its now past my XXXX due date and I told them I refuse to send any more payments until they apply my XXXX payment. They still have not done so and it is now XX/XX/XXXX. XXXX weeks after I initially called them and now after several more phone calls.
Product: Debt collection

I went on line and purchased real estate leads in XXXX cities. The company is called XXXX I paid XXXX for each city. They would send me name and number and price range that customers were searching for. What they said to me was that I could go on a month to month and quit it after 1mo if I so desired and there would be no additional fees if I decided to nolonger use them. I paid a total of XXXX on XX/XX/2016 and the leads started XX/XX/2016. As I worked these leads it was apparent that these leads were more looking and not even qualified to buy yet. On XX/XX/2016 I decided that these were not the type of leads I wanted so I emailed the company that I was terminating and would not continue past XX/XX/2016.They sent me a email that I was responsible for the full month of XX/XX/2016 per contract. I told them that this was not how it was explained to me. They said it was in the contract that they had sent me. I did this all on line and I do not recall anything like this in the contract. I did tell them that there should be a dispute clause. I told them I would not pay for XX/XX/XXXX. They said they would send me to collections. On XX/XX/XXXX I received a letter from a collection company showing I owe XXXX for XX/XX/2016.
Product: Money transfer, virtual currency, or money service

My son was XXXX in his main XXXX, XXXX traveled to his XXXX XXXX   shattered his XXXX in XXXX, into his XXXX XXXX, and now it is lodged in his XXXX. He had a XXXX XXXX, XXXX, and a XXXX XXXX  which required XXXX. He will have another XXXX later this morning, XX/XX/2020. I have Power of Attorney of my son because he is XXXX at this time. I have reached out to XXXX XXXX and Cash App with no response.
Product: Debt collection

I have been making payments in increments of {$50.00} per month as I have last agreed with the Attorney office starting around XXXX ( not sure if exact date but around time of collection activity reported on court case ) to then attorney XXXX XXXX office. I missed a few payments of the years, case resulted back in court. As of XXXX I was told Attorney XXXX office would merged with Ms.XXXX attorney office. I was told to still still send payment attn : Mr.XXXX etc, in which I did. However, over the course of time I would ask for balance and it was only told that the account was accruing interest at 9 % ( but the attorney office not sure if monthly or annually at this rate ) but my balance never changed. I have requested several times for an accounting of account so that I can determine whats being applied to principle vs interest etc. I was never provided this information and to this day when I call my balance remains the same even though I have made payments that I have proof of as well as the attorney office confirms. But they can not explain to me why my balance continue to remains the same even after payment posted. In addition I have received documentation and pay out as part of a class action law suite against XXXX XXXX due to illegal interest charge. Please note although my case was in collection I was currently paying and the attorney office took action in court for wage garnishment as well as their continue practice of illegal debt practice. I feel due to my balance continues to increase and or stay the same without proof provided to me of payment that this collection case needs to be investigated further due to it could be other in the same situation being taken advantage of. Also please note as of XXXX my state Attorney general Office please see article won class action legal suite against XXXX XXXX XXXX  : Keeping Communities Safe XX/XX/XXXX XXXX REACHES {$3.00} MILLION SETTLEMENT WITH LENDER FOR SELLING PRODUCT WITH HIDDEN, SKY-HIGH INTEREST RATES Attorney General XXXX Bans Company from Selling Expensive Loan Product in Illinois and Cracks Down on Other Lenders Operating Illegally in the State XXXX Attorney General XXXX XXXX today announced she is cracking down on lenders in Illinois that are illegally selling small-dollar loans riddled with hidden costs and fees, including a {$3.00} million settlement with XXXX XXXX XXXX that has provided hundreds of thousands of dollars in restitution for consumers across the state.
Product: Credit card

Take a look at the attached files ; I want the bureau to start investigating these accounts where I am consistently on time, yet they erroneously report me as late.
Product: Mortgage

XXXX County taxes were paid through escrow on of XXXX which was overpaid by nearly XXXX XX/XX/XXXX sent actual tax forms from county to mortgage company for them to fix amount XXXX new escrow statement with mortgage increasing by over XXXX a month. 
XX/XX/XXXX sent tax forms again to mortgage company and opened another case over the phone to fix account XX/XX/XXXX called mortgage company and was informed we would get an answer by XX/XX/XXXX XX/XX/XXXX - escrow and mortgage still not corrected and no date as to when this will be corrected.
Product: Vehicle loan or lease

I attempted to purchase a car through Carvana. I have been working on trying to obtain a car with them since XX/XX/XXXX. Every time I attempt to comply with their policy and procedure to obtain financing for a car, I am told different information each time. The lastest issue came about when I signed a contract to purchase a XXXX XXXX XXXX VIN number : XXXX. For starters, my credit was hard pulled twice within a 5 day time frame without explanation. I was advised that my down payment for the car would be {$400.00}. When it came time for Carvana to delivery the car to me, they rescheduled me twice. Delaying the delivery by one week stating they are waiting on a car title. If they did not have the car title, they should not have sold me the car. I decide after the 3rd delivery reschedule to cancel the order on that car and obtain another. I went back to the same platform to search for the same type of car, found one that I wanted, and started a new order. My credit was hard pulled again. Now making this 3 times within a month. My financing terms have significantly changed. I been advised that my down payment is now {$1800.00}. I have called Carvana for clarity now twice and no one is certain as to why my terms have changed within a 2 week time frame. I need specific answers
Product: Credit reporting

At the time specified on Penn Credit Corp for collection of debt is inaccurate. I was not residing at this address at the time specified on the letter dated XX/XX/<YYYY> XXXX years later after the home is sold I receive a notification that it is outstanding and have only XXXX days to respond. I have since paid the balance to clear the issue but my credit score has fallen from near perfect to very poor/low. The entire process + notification is unreasonable, unfair and a wrongful practice which is unfair to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA has filed a 1099C with the IRS an still attempting to collect an alleged debt after selling the debt to a third party debt collector. ( which is fraud ). USAA is in violation of 15 USC 1692a ( 2 ) and 18 USC 894.

USAA knowingly furnishing fraudulent information is in violation of 15 USC 6821 ( a ) ( 2 ).

15 USC 6823 ( a ) says that whoever knowingly and intentionally violates section 6821 shall be fined under title 18 or imprsoned. 

USAA does not have my permission in writing or verbally to report information on to my federally protected consumer report. 

I have informed the CEO several times of their fraud.
Product: Debt collection

Have XXXX separate acounts from Collect tech a local collections agency # XXXX # XXXX # XXXX # XXXX have called on several occoasions last date XXXX/XXXX/2015, spoke with XXXX XXXX and a guy names XXXX who both were VERY rude and refused to help me resolve this issue. Since recieveing the bills intially I advised the collection agency that I had primary and XXXX coverage. None of My EOBS or explanation of benefits have ever showed a patient balance. I believe there was a billing error and that was not a result of me not providing or having verifiable insurance. This was during a XXXX and I have no outstanding bills in regards to the XXXX and other monthly visits. I have tried to dispute this information several times and it remains as they only verify the balance and if the debt is in my name. The insurance has been provided to the hospital and I have offered to send to the collection agency. They have refused the documentation. The original debtor XXXX XXXX center ( XXXX ) has verified the information was provided and on file. They are unable to remove the debt as my account is with colletech now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a 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 an 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 or 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.