23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Attempted to add my personal TD Bank account to XXXX to fund a USD wallet within XXXX. TD Bank is blocking from using external applications, thus preventing the funding of my XXXX USD wallet from my personal TD Bank checking account.
Product: Debt collection

I called XX/XX/22 to setup payment arrangement on a debt for XXXX. After verifying who I am, the rep stated I owed XXXX XXXX. I asked why is there a XXXX difference and she didn't know. She stated I could set up a payment arrangement for the amount showed in their system while they investigate. I disagreed and asked to speak to a supervisor. She transferred me to a gentleman who wanted me to re-verify which i was hesitant because for one, i already did and secondly there's this XXXX difference the last rep couldn't explain. The guy was so rude and stated it doesn't matter if i verified and i need to do it again. After going back and forth i stated I will just let my attorney look at it and ended the call. On XX/XX/22 I woke up to 4 credit alerts for negative items. I have multiple bills all under one account. He reported 4 of the higher accounts separately out of spite. The letter shows only one account number for everything. This dropped my score XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not remove fraudulent inquiry with XXXX XXXX and XXXX XXXX. Those are fraudulent inquiries. Police report file identity theft Equifax will not report my mortgage from XXXX XXXX  to my report after several attempts from XXXX and me to add to report. 

Equifax will not add my XXXX XXXX loan or authorized user account to my credit report.even after several attempts requested by XXXX XXXX. 

Equifax will not remove fraudulent XXXX  XXXX open on credit account. This account was fraudulent. 

Equifax will not remove fraudulent fXXXX XXXX XXXX  account open on my credit report. 

Equifax will not update my correct address XXXX XXXX XXXX XXXX XXXX after several verbal request and written requests. 

Please I ask you to request Equifax update my report immediately for these collection are fraudulent and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX   XXXX {$3700.00} XXXX XXXX {$9500.00} XXXX   XXXX {$700.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$610.00} XXXX XXXX  XXXX {$320.00} XXXX XXXX XXXX XXXX {$840.00}
Product: Credit reporting or other personal consumer reports

Upon reviewing my XXXX and Experian credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Product: Mortgage

As a homeowner a Chapter XXXX Bankruptcy was filed XX/XX/XXXX, and Discharged XX/XX/XXXX. Then my servicer was XXXX XXXX XXXX, I have entered tow ( XXXX ) separate Modification agreements XX/XX/XXXX and XX/XX/XXXX the current Servicer is DiTech. The Servicer refuses to sign the Re-affirmation Document. DiTech, has referred me to my attorney whom has stated the Bankruptcy was done correctly and it can not be re-opened at this time to include the Reaffirmation of Debt. The Servicer simply must sign the Reaffirmation Document however, DiTech refuses to sign the document. I am caught in the middle, I have made all of the payments under XXXX modification agreements on time, I am being penalized for an error that occurred unbeknownst to me. I think this is unfair and need assistance in this matter. DiTech insists on this being a legal matter and the attorney insists DiTech is not adhering to the process of simply signing the Reaffirmation documents. What do I do to get the help I need as a Homeowner whom is making my payments, but caught in a cycle. My credit report does Not reflect my mortgage at all.
Product: Credit card or prepaid card

The 3 Credit Bureaus are reporting inaccurate information on CBNA ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX i paid a real estate loan in the amount {$6900.00}. 
On XXXX/XXXX/XXXX i paid a credit card balance of {$4800.00}. 
Over the last 3 months i paid the balance on 3 other credit cards. 
None of the credit cards were canceled they just do n't have a balance. 
When i started paying my debt. i had a XXXX credit score of XXXX and XXXX  score of XXXX. 
Once these payments were reported my XXXX score dropped to XXXX and XXXX to XXXX. 
Because of this i was denied a loan at a bank. 
All of my payment history is good no late payments.
Product: Money transfer, virtual currency, or money service

Hi I been loyal to Bank of America over seven to a year now. But now I cant trusted overall I will like to see if there any of over charges, over fee. Past all those years.
Product: Credit reporting, credit repair services, 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 XXXX  Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX  Account 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. 

Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account 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 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

I have objected to their evidence. My proper reason for objecting to material evidence include : Lack of foundation : the evidence lacks testimony as to its authenticity or source. 
Best evidence rule or hearsay evidence : requires that the original source of evidence is required, if available
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX, XXXX  XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown hard inquiry on my credit report. Im requested the verification of the inquiry and the method of verification. FLAGSHIP CREDIT ACCEPTAN Inquiry : XXXX XXXX, 2020. This is my second request. For the first time no response came in 15 days. In the letter received, the company says about Ms XXXX XXXX, but I'm not Ms , I am Mr. XXXX XXXX. So I come to a conclusion that I was provided with the false information ( See attached letter ). Also I have no recollection of doing any business with FLAGSHIP CREDIT ACCEPTAN LLC.
Product: Checking or savings account

It started when my job tried to deposit my first 3 pay checks to cash app they wouldnt let them so I switched to another account holder. So reason my husband tried to send me money to post some bills as well as a loan I have with cash app. Mind you he always send me money because hes a XXXX XXXX. So just a few weeks ago he was sending money to me to pay bills And the loan and it kept kicking it back out. So reached out to the support team. They couldnt give me no reason the said its cash app security purpose. Im like we have the same last name we both have Cashapp he send me money for years. Now why at this point is there a problem they gave me no reason so now they are trying to charge Me interest on the loan have with them but do to no fault of me they wouldnt let the money come through to pay it and I told customer support that. So I need that removed from my account thats on them. I tried to do my part and they kicked the money out the system four or five times
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Checking or savings account

Formal Complaint Regarding Substitute Check Issue To : PenFed Credit Union From : XXXX XXXX XXXX Date : XX/XX/2024 Subject : Immediate Resolution Needed for Significant Issue Complaint Details : I am writing to formally address a critical issue regarding a substitute check processed by PenFed Credit Union, which has resulted in ongoing financial and administrative challenges. Despite my repeated attempts to resolve this matter through direct communication with both PenFed and XXXX XXXX, there has been a failure to acknowledge and address the issue appropriately. 

Key Points : 1. Substitute Check Incident : PenFed mishandled a substitute check, which was inaccurately processed and led to financial discrepancies. 
2. Financial Impact : As a result of this mishandling, I am now owed a minimum of {$2500.00}, which includes consequential damages due to unresolved issues and financial distress. 
XXXX. Non-Compliance : PenFed has not adhered to the legal obligations outlined in the Check Clearing for the 21st Century Act ( XXXX XXXX XXXX  ), despite claims that the error originated with XXXX XXXX. 

Request for Immediate Action : I urgently demand that PenFed Credit Union : 1. Immediately credit my account with the outstanding amount of {$2500.00} to alleviate financial strain caused by this incident.

2. Conduct a thorough investigation into the mishandling of the substitute check and provide a detailed report outlining corrective measures taken to prevent future occurrences. 
3. Provide transparent communication and regular updates regarding the progress of resolving this matter.

Conclusion : It is imperative that PenFed takes swift action to rectify this situation and restore trust in its banking services. I expect a prompt response and resolution within 10 business days ] to prevent further escalation of this issue. 

Full Legal Name : XXXX XXXX XXXX Phone : ( XXXX ) XXXX Account Number :
Product: Mortgage

I applied for MIHAF at the beginning of XXXX. They have yet to review my application. Therefore on XX/XX/2022 I called Essex Mortgage mitigation team as I was directed to do via email on XX/XX/2022 and they stated there was no way they could help me and gave me three links to go to to apply for assistance. With that being said one link was invalid and the other two took me right back to the MIHAF application that I have already submitted. I am getting nowhere this company and I have hated it since they bought out our mortgage from a different company.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act the following XXXX  accounts have violated my rights under the following laws : 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 instruction. 

XXXX XXXX Account # XXXX XXXX XXXX XXXX Texas # XXXX XXXX # XXXX XXXX  XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX/DEPT OF ED # XXXX XXXX/DEPT OF ED # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hyundai Fianance is reporting to my credit bureaus that I was late multiple times on my lease payments but I NEVER was! I have always paid on time. I have my payment set up on their account for autopay. They draft my payments directly. This is hurting my credit score and my ability to get a car loan to buy out the lease so that I do not have to deal with their fraud anymore. They have already been fined by the government for this exact thing before and they are doing it again. 

I have attached a screenshot of the fraud on my credit report and I have attached my payment history that clearly shows I paid on time every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agencies continue to report that a vehicle loan and a vehicle lease were included in a chapter XXXX bankruptcy. The " loan '' in question is still being paid and has been paid on time for the last 62 months. Another vehicle " lease '' that originated in XXXX of XXXX was " paid as agreed '' Neither was included in my XXXX bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

My understanding is that the XXXX error reporting delinquencies has been corrected. My credit score still hasn't moved. Also, there is still a note that lender closed the account. The account was closed because of the bank error. I would like that note removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX showing negative for both XXXX and XXXX. XXXX XXXX stated they sent the letter of deletion to all 3 companies. Experian now shows " account paid as satisfactory ''. This was an auto loan from XXXX, I was originally advised it'd be removed in XXXX, however, XXXX  XXXX agreed to update so it wouldn't show as a negative. Experian is the only one who made an update, not a removal though. I want this removed or updated so it's not a negative.
Product: Debt collection

I received a call from ADR Group located in California ( XXXX ) XXXX. One of the clerks on the phone did not identify themselves.The clerk verified me by a last name I had not used since XX/XX/XXXX and last XXXX of my social then told me I owed {$540.00} to XXXX from an account that was open from XX/XX/XXXX to XX/XX/XXXX. I have not had an account with XXXX. I told the clerk that and she said it did not matter because she had my information and the debt was mine. She said they are going to take me to court and I can try to fight it there. I told her I live in Texas and the statute of limitations to sue someone for a debt is 4 years under The Texas Debt Collection Act. She seemed a little confused, and I told her they should be familiar with the laws for the state in which they are trying to collect a debt, even a false XXXX. She said it did not matter and I would have my day in court. I have received nothing in writing from this business. I spoke to a gentleman at the Texas Office of Consumer Credit Commissioner and he informed me for this business to attempt to collect a debt in Texas, they have to follow Texas laws and register with the Secretary of State and pay a {$10000.00} surety bond. He stated he could not find ADR Group having registered. I feel like this business is trying to bully me into paying for something that is not mine by using illegal tactics and I feel they might be doing it to others as well. I tried to contact the company again and they put me on hold and would not speak to me.
Product: Vehicle loan or lease

Hello, to whom it may concern I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina to purchase an car, I was approval for an XXXX XXXX XXXX with 230,000 miles, I understood that the mileage was high, I was ok with that because at the time the car did n't show any sign of ware. As the months went by, I begin to notice problems with the front end and the car would roll back on hills without been in reverse. So inXX/2016 I decided after driving the car for one year and making payments on time, I tried to trade the car I for a new model with less mileage, I went to XXXX XXXX to try to trade their car for a new model with less mileage no assisted me, so I went to another car and approval forXXXX car with 17,000, and they would only give me XXXX dollar for the XXXX XXXX because they pull the XXXX and it showed that the XXXX XXXX had been in 2 reported front end accident, WHICH XXXX XXXX DID ADVISED ME OF, I was told that they are suppose to tell you about any accident which they did n't, I understand car are sold as is however they must tell you about the accident, now I understand the frond end problems this care is giving me, and why I cant get at ast a good trade in on this care, I DONT FEEL I SHOULD PAY ANOTHER DIME ON THE DAMAGE CAR, AND XXXX XXXX SHOULD SEND American credit acceptance the balance .XXXX XXXX XXXX XXXX-vin XXXX.
Product: Credit card

I paid to get a XXXX card issued by XXXX. After I paid the fee and received the card, XXXX told me that I can not use the card for certain charges, even from vendors or agencies that accept XXXX cards as a form of payment. For example, I recently was told by XXXX that they would decline any charges that I made using their XXXX card to pay my property taxes, even though my tax agency accepts XXXX cards as a form of payment. The agency 's link is here ( see under " Online '' for credit card payments ) : XXXX XXXX XXXX This feels like a bait and switch by XXXX. They told me it was a XXXX-branded credit card yet they don't accept some charges made at vendors or agencies that avtually DO accept XXXX as a form of payment.
Product: Credit reporting or other personal consumer reports

In accordance to 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

On XX/XX/2020 I was served with a Civil Summons under file # XXXX in the state of North Carolina XXXX County by Plaintiff MIDLAND FUNDING LLC c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX for an old XXXX XXXX  account that was purchased by Midland Funding LLC. I was never notified of the sale of the debt between Midland Funding LLC and XXXX XXXX  and now Midland Funding LLC has threatened to sue me and place a judgement on the account on my public record file. I am a NC commissioned insurance agent and must report all civil or criminal issues to the Insurance Commision and can loose my license over this matter. I went to XXXX Co courthouse to file a answer to compliant on XX/XX/2020 and request further information and full disclosure of all transactions on the account. I reached out to the law offices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at ( XXXX ) XXXX to attempt to get a settlement agreement and was told that they offer no agreements and if I still make payment they still will be place a 10 year judgement on my public record. I spoke with a supervisor XXXX and was advised that even if I do settle I must sign their consent form that allows their law office to place a 10 year judgement on my records. This should be against the law somehow. I contacted other debit collectors and have never had this situation happen before. I am try to refinance my home and as a new agent I haven't been able to gain full time employment during the pandemic. Now I'm faced with charges on my public record and unable to refinance due to this issue with this lender. Please help me I am now awaiting a court date since I am choosing to go to court to see a judge regarding this issue.
Product: Debt collection

The collection company Phoenix financial Services LLC is trying to collected a debt that is not mine, from someone in year 2014, in which the account pass 7 years reporting date.