23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

i made XXXX purchases at XXXX and the XXXX purchase is fraudulent the clerk used my card fraud and i disputed and bank of america keeps charging me for this in violation of the fcba this has been going on for 5 mos now
Product: Consumer Loan

I leased a vehicle with Chrysler Capital ( a XXXX XXXX XXXX ) on XXXX/XXXX/XXXX and returned it on XXXX/XXXX/XXXX to buy a new car. All monthly payments have been made on time during the duration of the Lease and the remaining balance was paid in full by XXXX/XXXX/XXXX. However, Chrysler Capital kept my account open and reported it to the credit bureau agencies as delinquent on XXXX. This has negatively impacted my credit score and ability to acquire new loans. 

After repeatedly trying to contact Chrysler Capital, I was finally told that the account will remain open until the vehicle is sold and therefore they will continue to report my status as delinquent until the selling takes place. When asked as to why would they do this to their clients if they have been compliant with their financial responsibilities, I was told that they acknowledge the mistake and that " they are working on it '' to fix it but that unfortunately that is the " way the system works ''. They stated that their Credit Department will fix my Credit within 30 days. 

Again, in the meantime, this is causing me distress, loss of time as I need to dispute this with every Credit Bureau Agency and negatively affecting my ability to acquire new loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

New Rez Shellpoint is reporting a commerical account on my personal credit. This is INACCURATE and needs to be corrected. I have put in multiple requests for them to remove this commerical loan from my personal credit but they are not deleting the account despite assurance that it will be removed.
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. 

XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX IN : 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 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX I Zelle this company {$3500.00} and and I got scammed from the company because I never received my product I bought I reach out to Zelle and try to dispute it with my bank but never received it back from them - on XX/XX/XXXX I received an email from Zelle saying that my account had been closed I called my bank to see whats going on they told me I have to wait up 120 days until they finished their investigation Months go by still no update no call So in XXXX I call them to see what is the update on my account they stated that XXXX find my case or anything and they told me the supervisor will give me a call on that Monday on the XXXX I never gotten called from no one of course But I got ta an email stating that couldnt get the funds the from the others account so my request has been denied!
Product: Money transfer, virtual currency, or money service

Initiated a wire transfer Wednesday afternoon XX/XX/24. Was told wire transfers are behind and allow XXXX XXXX hrs. Now nearly XXXX hours and no transfer and now being told this may take till the XXXX. Whats th epoint of a wire transfer?? Could have done a regular transfer and it would alreday be in my account.
Product: Credit card or prepaid card

Never told me bills was due. Signed up for email alert.Never received. They sent me a bill past due in the mail.I did receive a call a few days ago to call them. Tried it, they just advertise for different kinds of loans.Cant get a person on the phone.
Product: Credit reporting or other personal consumer reports

I have my XXXX card on autopay every month I have never been late on this card. They reported my account late to the credit reporting companies they said I cancelled my autopay feature which I did not. They did refund the late fee but refused to correct the error on my credit reports. That caused my XXXX XXXX to drop over XXXX points because all my other credit cards either closed my accounts or reduced my credit limits. I have called XXXX  numerous times and they refuse to help. if you report, you have to report accurately by law, but by law you also don't have to report anything at all. It is completely at there discretion whether to report anything. Therefore, I am asking for exclusion of the late payments from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts need to be updated to Current / Terms met : - XXXX # XXXX ( 30 days past due as of XX/XX/2022 ) - XXXX XXXX XXXX  # XXXX ( 30 days past due as of XX/XX/2022 ) - XXXX XXXX XXXX XXXX # XXXX ( 30 days past due as of XX/XX/2022 ) In accordance with the Fair Credit Reporting Act these accounts have violated my rights : 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 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 I am demanding that these accounts be updated. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report.
Product: Money transfer, virtual currency, or money service

I have an account in paypal. A friend deposited {$220.00} more than 6 months ago and paypal does not allow me to use that money if I don't give them my phone number. When I try to enter my phone number in the system, it does not take it. 
They have an option to send you the money by check. When I click on it, it sends me to a link that force me to open a paypal cash plus account.

I called them several times, last time they promised to send me the money by check and I am still waiting. It has been already more than 6 months and I am still waiting.

1st is an abusive monopoly. They charge large fees for everything thing.

2nd You are not obligated to provide your phone, if you don't have one. How do you do?

3rd they can not force you to get enrolled in paypal cash plus account 4th they can not hold you money for more than 6 months 5th they SHOULD have a functional working option to send your money by check not a disguise link that takes you to enrollment in paypal cash plus account
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding XXXXXXXX XXXX failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. Despite providing evidence to support my claims, XXXX has not taken the necessary steps t

o conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). The inaccurate accounts in question are as follows : XXXX. XXXX XXXX Account # XXXX in the amount of {$8200.00} XXXX XXXX XXXX # XXXX in the amount of {$4000.00} XXXX XXXX XXXX Account # XXXX I have submitted disputes for these accounts and provided documentation to prove the information is either inaccurate or unverifiable. However, XXXX has e

ither failed to verify the information properly or has responded with generic " verified '' statements without explaining their investigation process or correcting the errors. This failure to conduct a reasonable investigation has caused harm to my credit score and financial well-being, affecting my ability to [ get approved for credit, loans, housing, etc. ]. I am requesting the following actions from XXXX through the CFPB : 1. Conduct a proper and thorough investigation into the accounts I've disputed. 2. Provide me with a detailed explanation of the steps they've taken to verify or correct the information. 3. Remove any inaccurate or unverifiable information from my credit report immediately. I am attaching all relevant documents, including
dispute letters, XXXXXXXX XXXX responses, and

supporting evidence, to this complaint for your review. Thank you for your assistance in addressing this matter and ensuring that XXXX complies to federal laws to protect consumers like me. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint due to numerous federal violations of the FCRA. Specially, 15 USC 1681g ( a ) ( 5 ) which states a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

There are numerous fraudulent inquiries reporting on my credit report that I did not authorize nor give my permission to apply for any credit in my name. I have written to the credit bureau, filed an FTC report ( REPORT # XXXX ), called the bureau numerous times without success in removing these fraudulent inquiries. More than 30 days have elapsed since I have written to the credit bureau and these inquiries MUST be deleted immediately. Additionally, since the credit bureau continues to violate my rights as a consumer, my rights to privacy and numerous violations of the FCRA including 15 USC 1681g ( a ) ( 5 ), the bureau is liable to me at a {$1000.00} for each continued violation. I AM ALSO IMPACTED BY THE EQUIFAX DATA BREACH AS A VICTIM.

I DEMAND THAT THESE FRAUDULENT INQUIRIES ARE REMOVED IMMEDIATELY AND MY FEDERAL RIGHTS CEASE TO BE VIOLATED.
Product: Credit card

XXXX XXXX XXXX XXXX was opened fraudulently sold to a collection agency which removed the debt but XXXX XXXX XXXX XXXX still has it on my credit as bad debt. barclay bank deleware was open without my knowledge and is included in my police report as well as XXXX/ XXXX  XXXX  which was open under identity theft.
Product: Debt collection

XXXX XXXX from Aargon Agency contacted me today at my work phone to ask me to confirm my personal information ( birthday/address/SSN ). She even left a message at my work saying it was extremely important that I call back. I told her none of the information in they system was accurate. I asked why she had to have the information and she said they were legally obligated to ask me questions. I asked if someone was trying to apply for something in my name and she would not answer. I was given no information. They just wanted me to give them my personal information, which I did not give. They called me at my work to collect this information which is unacceptable and harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Credit card or prepaid card

I asked Barclay card representative to fix issues with this card included interest charges for checks I never had any checks and never withdrew any cash from this card. bank failed to respond or to preform any actions to fix an issue, instead they charging me {$37.00} overdraft fee every month which is outrageous.
Product: Payday loan, title loan, personal loan, or advance loan

The loan balance they are looking for is incorrect!!! They are threatening to damage my credit.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX {$750.00} XXXX XXXX XXXX XXXX ) XXXX  {$450.00} XXXX XXXX XXXX XXXX XXXX  ) acct # XXXX {$570.00} XXXX XXXX ( XXXXXXXX XXXX ) acct # XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX ) acct # XXXX {$270.00} Kikoff lending acct # XXXX {$7.00} XXXXXXXX XXXX XXXX  # XXXX {$790.00} XXXX XXXX XXXX XXXX XXXXXXXX {$470.00} XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} ALL OF THESE COMPANIES ABOVE HAVE FALSELY TRIED TO GET MONEY OUT OF ME FOR THESE ACCOUNTS.
Product: Checking or savings account

Facts : XX/XX/XXXX check # XXXX from XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX last XXXX XXXX cleared my BOA account Last XXXX XXXX same day in the amount of {$5000.00} XX/XX/XXXX from my fathers account XX/XX/XXXX Check # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX last XXXX XXXX cleared my BOA account Last XXXX XXXX in the amount of {$100.00} XX/XX/XXXX same day from my fathers account XX/XX/XXXX check # XXXX drawn against the same bank XXXX XXXXXXXX XXXX XXXX XXXXXXXX last XXXX XXXX deposited in my BOA account Last XXXX XXXX in the amount of {$10000.00} XX/XX/XXXX. A hold placed on the check which cleared my fathers account the next day XX/XX/XXXX verified by a call placed to XXXX at XXXX and verified by my father the same day XX/XX/XXXX. 

As of today, you have held onto my money for 8 business days causing checks to bounce and fees to incur for no reason at all.
Product: Mortgage

PennyMac Mortgage has {$3400.00} in excess Escrow which they received as a part of XXXX XXXX XXXX tax payment which has already been made. I have contacted them 5 times asking for sending me refund. They twice told me that Refund would be sent yet no refund is being sent. 

Last communication I had was on Friday XX/XX/2020 with their customer service manager/supervisor XXXX who also gave me her direct phone number XXXX X XXXX. She assured me that check for {$3400.00} will be sent on Tuesday XX/XX/2020 and she will personally follow up with me by giving me a phone call. 

NO CHECK HAS BEEN RECIEVED till today XX/XX/2020 and I have not heard from XXXX during since then. I have tried to call her 3 times and left voicemail each time with no response. Her number is correct but she or anyone from PennyMac doesn't call back. I am out {$3400.00} which they wouldn't refund
Product: Credit reporting or other personal consumer reports

My credit score dropped XXXX points after MOHELA reported my students loans as deferment when they are currently in forced forbearance due to the SAVE plan litigation. I have reached out the the credit bureau 's to dispute the change.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact all three bureaus several times the addresses reporting on my credit profile are invalid I was part of the recent security breech involving XXXX  and filed a FTC report was filed yet they are still reporting false addresses I never heard of on my credit profile.
Product: Debt collection

I submitted a certified letter to I C SYSTEMS request verification of a collection they place on all three of my credit reports and received no response. It has been 45 days.
Product: Mortgage

My elderly client missed her first payment in XXXX of 2023. She contacted the mortgage servicer in XXXX of 2023 to make a payment for the missed months of XXXX and XXXX, but the servicer rejected it as a partial payment, requiring that she pay all the payments through XXXX. At the time the servicer rejected her payment, it was less than 30 days past due.
Product: Credit reporting or other personal consumer reports

Given USAA 's denial of attempting to repossess my vehicle while under the bankruptcy stay, I am questioning the legitimacy of my loan and any business relationship with USAA. If USAA is not acknowledging their breach of bankruptcy law, I can not acknowledge the validity of this loan or any claims they make regarding my account. 
As a result, I wish to dispute the loan and any associated negative remarks on my credit history. If USAA can not validate the loan or the actions taken regarding the repossession, these entries should be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was attempting to purchase a home and noticed I had erroneous, inaccurate and damaging information reporting on my credit report. According to the 15 USC 1681 law, there should not be any damages on my credit report because this is a defamation of my character. I am hereby requesting all erroneous, inaccurate and damaging accounts not be updated but removed from by credit reports as required by law immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Can not get a free credit from Equifax
Product: Debt collection

A company called California Business Bureau is reporting on my credit reports medical debt from XX/XX/XXXX-XX/XX/XXXX. I have sent certified mail asking for validation and proof of surety bond in the state of Texas, which they do not have. I live in Texas. The company 's address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX. The Texas Secretary of State debt collector website search shows no surety bond in the state of Texas. According to Texas Finance code 392 they must remove all entries from my credit reports with all three bureaus and may not sell or transfer these accounts. I am also aware that I could sue them and be compensated for their illegal debt collection practices on each instance they are reporting.
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 violates the Consumer Financial Protection Act ( CFPA (. Specifically, Cash App fail 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 Regulations E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I called on XX/XX/XXXX to pay off the balance of my bank of america secure credit card. the balance at that moment was {$450.00}. They used my {$300.00} that I had initially paid as a secure deposit and the only amount that was due was {$150.00} I made this payment on XX/XX/XXXX and was told from the bank that it was going to take between 7 to 10 business days to the secure deposit been post on my account. I called at the beginning of XXXX just to follow up and make sure everything was as schedule and the agent that assist me told me that no one had requested to apply the {$300.00} secure deposit on my account. At that point I was very frustrated and requested to speak with a supervisor. This person told me that he was going to fix the issues and I did n't had to worry anymore. However due to their system I still need to wait the 7 to 10 business days for the money to be posted on the account. He specific told that the issue was going to be solve before the end of the billing cycle on XXXX. I went to check my account today ( XX/XX/XXXX ) and nothing has been done. I called AGAIN, and after several people, and having to explain one more time the whole situation again they told me that nothing has been done! I 'm beyond upset and frustrated at this point! How come a company this big as Bank of America treat his costumers like this? How come is so difficult to solve this issue? I can not understand. I work with costumer service for as long as I can remember and I never felt so insignificant. I feel they do n't care about me or my issue. For them I 'm just a number.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. this issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On a few different occasions I have called Equifax and had been given the same treatment as far as having my hard inquiries disputed, with the same results that they found my inquiries to be factual. When I first received my reports, I saw XXXX hard inquiries that I do not recall authorizing and that On XX/XX/XXXX I sent a multiple inquiry letter via certified facsimile. Equifax received that letter XX/XX/XXXX and responded on XX/XX/XXXX. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 9 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. Also the FCRA states that the only permissible purpose for pulling someones credit is for : Firm Offer of Credit, Insurance, Employment, Court Order.