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

The auto loan for my financed XXXX XXXX XXXX XXXX was sold outright and was paid-in- full on XX/XX/XXXX, and a paid-in-full letter was obtained by the lienholder ( XXXX XXXX ) on XX/XX/XXXX to evidence the payoff on this account. For background knowledge, I am the co-borrower on this account, and my fiance is the borrower. 

Currently, this account is still showing a balance on my credit reports with XXXX, Transunion and XXXX. This is in violation of the XXXX XXXX XXXX XXXX, because the information reported by all three bureaus is misleading by perception, supported by 15 U.S.C. 1681. 

Email address : XXXX Mailing address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 USC 1681a ( 4 ). They have infringed on my right to privacy and have not provided me with any information that I authorized the reporting of such private information. On XX/XX/XXXX, XX/XX/XXXX, and most recently XX/XX/2021, I informed the consumer reporting agencies, XXXX, Equifax, and XXXX  of the violation and has received no response. It it plainly stated in section 611 ( a ) of the FCRA that failure to investigate disputed items within 30 days gives a reason to immediately remove them from my credit report. The reporting of this information is vital to my credit file. I am demanding this account be removed immediately or I will file for litigation due to the ongoing stress being caused. My information was also impacted by the equifax data breach.
Product: Student loan

I am currently enrolled in college and my servicer is telling me that my payments are past due, with no grace period, or time to finish school. Theyre trying to say that Im past due, but I am still enrolled in school until XX/XX/XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute about an account I have with XXXX XXXX Bank credit card concerning an outstanding balance that was paid in full back in XXXX but still showing a balance on Experian credit report. I submitted a dispute and now Experian claims that the credit reporter XXXX XXXX XXXX XXXX certified the balance as true, however, it is most certainly not correct as I just looked at my account online and shows a - {$38.00} balance which means they owe me money not me owing them. I feel that Experian was derelict in its duty to properly investigate the matter an a mere " certification '' from the creditor isn't sufficient to protect my rights under the FCRA. Credit reporting agencies should be required to diligently conduct a full investigation and not just take the creditor 's word for it.
Product: Payday loan, title loan, or personal loan

They took my money and charged me outrageous fees and interest rate I just believe that I robbed. They got me for about XXXX  dollars and I have tried getting my money back but they weren't trying to hear anything I had to say.
Product: Credit reporting or other personal consumer reports

I have a cancellation of payment arrangement letter from XXXX XXXXXXXX dated XX/XX/. I have a charge of debt currently reporting on my credit from this same company ; yet they were paid in full XX/XX/XXXX  ( see attachment ). 

Called XXXX XXXXXXXX directly. They admit I paid as agreed and on time ; yet they can not tell me why they cant correct it in their system. 

The XXXX XXXX for the vehicle was sent to XXXX when capital one receive and cashed their check in XXXX of this year. They would not have sent the XXXX XXXX with an owing remaining balance. 

I have not been able to qualify for housing or another vehicle loan because of this. Please advise.
Product: Credit reporting or other personal consumer reports

I have XXXX new inquiries ( dated XX/XX/year> ) with XXXX  XXXX and Discover that DO NOT make sense as I did not sign up for anything today.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against CashApp XXXX Block Inc ) due to inadequate customer service and unfair practices which violates the customer 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 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 caused significant inconvenience and financial loss. And i seek appropriate redress for these actions.
Product: Checking or savings account

XXXX Continuing of case I just found out that Wells Fargo mishandled my fraud claim.

I have been in the physical bank location AND on the phone for over 5 hours now with no resolution. 

XXXX from Fraud. 

I was just told he opened the wrong type of fraud claims and never put a fraud alert on those transactions. The checks returned to me because it was automatic when they bounced. 

Im beyond frustrated. This is absolutely unacceptable.

Because of errors on the side of Wells Fargo employees Im having to incur potential late fees and even ding on my credit. 

I also had to take a day of PTO AND get a babysitter to handle the mistakes of the company.
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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. XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

My Paypal account was somehow switched to PayPal Credit account last year. I do n't recall requesting this credit and I never authorized PayPal to start billing my PayPal purchases to the PayPal Credit. I was not paying attention to how this was being billed, and never got any monthly statements for this new credit product. Last week, I was sent a bill for my PayPal Credit balance, and it was very high, but I just paid off the balance. 
I think you should advise PayPal to NOT unilaterally switch customer payment options to Credit. It should be very clear that customers are now paying with credit rather than directly debiting from their bank accounts. I believe this was a predatory lending practice and I am sure other consumers have been tricked into using PayPal Credit against their wishes. 
Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has reported fraudulent accounts on my credit file, including : XX/XX/XXXX( Account # XXXX ) XX/XX/XXXX ( Account # XXXX ) These accounts were opened without my consent. I have provided Experian with an FTC Identity Theft Report, proof of identity, and other supporting documents. Despite this, Experian has failed to remove these accounts, in violation of FCRA 611 and 609, which require thorough investigations and the removal of unverifiable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and TransUnion have all failed to update my XXXX XXXX XXXX XXXX, XXXX  credit card account monthly as required by law under the Fair Credit Reporting Act. This gross negligence on behalf the three major credit bureaus has adversely impacted my credit score and my financial health.
Product: Mortgage

Capital One has committed Mortgage Fraud against me they transfer my loan # XXXX over to XXXX XXXX falsifying that I was four payment behind XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Capital One has never updated my loan in there system I never received mortgage statements in the last two years my loan was listed in Bankruptcy I was XXXX in XXXX my loan was current with a large payment amount to reinstate my loan. I had to hire and attorney XXXX XXXX with another fraud issue Capital One committed doing, there yearly payment statement doesn't match my mortgage payments reciepts. I would like for Capital One to remove those 4 payments error and contact XXXX  XXXX with this error.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

Midland XXXX al has a standard practice of not investigating disputes properly via account level documentation and Sellers often Disclaim documentation as evidenced by C.F.P.B. Consent Order XXXX. 

I disputed the below account more than once and to date am discovering ongoing reporting which I disputed and to date Midland has not properly investigated. Midland also reports my disputes as not timely, also a common fraudulent statement used by MCM. Please have them remove these inaccurate/not properly investigated accounts from all XXXX credit reporting bureaus. 
Midland Funding LLC acct # XXXX ... XXXX/XXXX/13 {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and I noticed multiple billing errors. 
In accordance with the Fair Credit Reporting act XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. If you can't apply that information then it is false allegations and you are in violation. i am entitled to {$1000.00} per violation
Product: Debt collection

Wakefield & Assoc. are charging me interest on a debt from a third party concerning a medical bill. I asked for the original bill but never received it. Ive tried disputing, to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called Conn 's because I difficulty making my payment online and removing old financial accounts. Therefore, the payment I scheduled for XX/XX/XXXX were cancelled so I could get more information from Conn 's. I called Customer Service and the representative told me I had 3 accounts but he could not open any the accounts on the system. I asked for a supervisor ( XXXX ) where he stated my account was charged-off so I needed to speak to Recovery department. XXXX transferred to the Recovery Dept.  and I spoke to XXXX that told me I had a balance so my current account was placed there also. I asked her why would a current account be placed in the Recovery Dept/Charged Off. XXXX says because I had cease and desist calls. That did not make sense. Cease and Desist calls only pertain to calls not charge off accounts. I asked why were they trying to collect anything from accounts discharged in a Chapter XXXX Bankruptcy in XX/XX/XXXX. In addition, it wasn't legal what they were doing. They stated it was legal if I still owed money and hung up. I contacted the Bankruptcy Attorney and she called them which wasn't received very well. They told her I needed to get a Power of Attorney but I only needed a letter giving her permission to access to account. I faxed the letter to Recovery Department and they've refused to allow my attorney to get information about the account. 
Due to me involving my bankruptcy attorney to resolve that issue, they placed derogatory information on my credit report XX/XX/XXXX. Conn 's Appliance reported a derogatory status on my credit report in the amount of {$34.00}. I did not receive any notices, emails or told by customer service of any past due amount when I called. I have no idea what the {$34.00} past due amount and would have paid with my payment on XX/XX/XXXX. I do not feel it should be reported to credit bureau if the customer wasn't notified, emailed or had not been conveyed to the customer. A business shouldn't harass, attempt to intimidate a customer into making payment on discharged accounts.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. This is my second and final attempt to resolve this matter amicably. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX transunion
Product: Checking or savings account

Bank of American charged me three {$35.00} dollar NSF charges for items that went through just before midnight on XX/XX/2019 but were still processing. Early morning XX/XX/2019 I deposited the funds to cover the checks that were processing. I called Bank of American and spoke to a representative and a manager to see if the NSF fees could be removed as I am a customer of 30 years and the checks were still processing. They refused stating that the funds cleared on XX/XX/2019 just before midnight. I have a  screenshot of my bank screen and the only things showing cleared are the three overdraft charges of {$35.00} dollars each. I was told by both the representative and the manager that there was nothing that they could do. The fees have not been paid out by Bank of American and the funds are there to cover those charge, so Bank of American is out nothing but as a consumer I am out {$100.00} dollars. If a fraudulent charge hits my bank I'm told there's nothing that can be done until it clears, but they will charge me three over draft charges while things are still processing even though there is now enough money to cover the checks. This may be legal but it is abusive to the consumer.
Product: Credit reporting or other personal consumer reports

XXXX sent to each credit bureau ( Transunion, XXXX, XXXX ) I requested that inaccurate information be removed from my credit report, and asked for an updated report was information was removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed information was incorrect on my report i need help! I reached out to the credit bureaus on XX/XX/2023 and no response! I have a right to a full investigation and a correct report! My understanding is that 15 U.S.C 1681 section 602 A. States I have the right to privacy. I will list the account below! 


1.XXXX XXXX XXXX Account # : XXXX please investigate and delete 2.Bankruptcy Reference # : XXXX XXXX XXXX please investigate and delete
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$5900.00} XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX - XXXX - XX/XX/XXXX - {$12000.00} XXXX - XXXX - XX/XX/XXXX - {$11000.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Mortgage

at closing we paid {$1200.00} because Flagstar bank said amount was due to satisfy fees for lawyers. said fees were for foreclosure, when in fact no such foreclosure was taking place. closing was on XX/XX/2019. we received a statement from flagstar bank , dated XX/XX/2019 saying they owed us {$1600.00} from escrow account and it would be paid in 20 days, no such funds have come tous.on XX/XX/2019 i called flagstar for status and was told no money would be coming to us as the moey went to foreclosure and lawyer fees.I fuly feel we have been taken by this bank and would like an explanation and restitution.
Product: Credit reporting

I have asked Transunion repeatedly to delete all of these incorrect addresses displayed on my credit report. And they have all of these addresses on my credit report when I told them they were inaccurate. I need all of these addresses deleted as well as any others that are not XXXX XXXX XXXX, XXXX, XXXX, XXXX. I also need any wrong phone numbers deleted as well as employers deleted. 

They need to delete the following addresses : 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 Delete these phone numbers too : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete Employers : XXXX XXXX My drivers license is attached
Product: Credit reporting or other personal consumer reports

Unauthorized hard and soft inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX 2024 XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> Equifax XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX  XXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XXXX XX/XX/year> 2024
Product: Debt collection

I am not liable for this debt with XXXX XXXX and I do not have a contract with ERC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i contacted all 3 credit bureaus on XX/XX/2022 asking them to verify the accounts and debts on my credit reports due to the fact that i noticed some inaccuracies on my reports the responded telling me that they have verified my reports and yet there are still some inaccuracies on my credit reports the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IN ACCORDANCE TO 15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Credit card or prepaid card

It has come to my attention that CAPITAL ONE has fraudulently opened a credit card accessing my credit without my consent.
Product: Checking or savings account

During the period of XXXX XXXX XXXX XXXX XXXX, I was the victim of 11 unauthorized ATM withdrawals totaling {$9000.00}. These transactions were recorded in two different cities, including one where I have never been physically present. Unfortunately, my initial claim to rectify this situation was improperly handled and subsequently denied within two days due to an erroneous entry by the claims specialist, who inaccurately stated that my PIN had been compromised along with my card. 

Further complicating the matter, the specialist overlooked two transactions in the original claim. This oversight necessitated the filing of an additional claim specifically for these transactions, which were eventually acknowledged and permanently credited to my account. However, the errors affecting the initial claim were not rectified, leading to unresolved disputes over the larger sum. 

In pursuit of clarity and resolution, I requested detailed information on the investigation process, but the bank failed to provide definitive answers. As part of my efforts to establish my whereabouts during the dates in question, I submitted a comprehensive geo-timeline from XXXX, alongside the case number from my police report. Despite providing this substantial evidence and repeatedly engaging with the bank, there has been no progress, and it has now been over a month since the initial incident. 

The ongoing lack of resolution has resulted in significant financial strain due to accruing late fees and increased debt, exacerbated by what can only be described as inadequate customer service and flawed procedural conduct by the financial institution involved.