23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing this complaint concerning the inaccurate reporting of a late payment by Capital One Auto Finance to the credit bureaus. The payment in question was made on time, yet it is falsely reported as late on my credit report. This error is unfairly damaging my credit score and affecting my financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are 8 inquires from XXXX XXXX that I didn't consent to and they need to be removed from my credit file the dates for the inquires are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these need to be removed from my Equifax credit report
Product: Student loan

According to all the information online, I qualify for my XXXX loan to be discharged or forgiven. However my loan servicer great lakes has denied me twice for loan forgiveness. Stating that I dont qualify even though I attended during the years that the Biden administration has expanded. Most recently I submitted a loan forgiveness two months ago and I have not heard back from them once on an approval or denial. And its nowhere on my forms that its been processed. I dont know what to do and they keep adding thousands in interest despite loans being frozen for Covid-19.
Product: Checking or savings account

At around XXXX on XX/XX/2023, I attempted to deposit {$800.00} in cash ( XXXX XXXX XXXXXXXX XXXX XXXX ) into my bank account using the drive through ATM located at PNC Bank XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX ). I used my debit card and the ATM took my {$800.00} and said it was counting the deposit. After waiting for a few minutes, the ATM screen read that the transaction was cancelled and gave me back my card. It however did *not* give me back the {$800.00} cash, nor a deposit receipt. I called my bank immediately who looked into it and reported that they have no record of any ATM cash deposit because the transaction was canceled before there was a connection made. They told me there was nothing they could do and that I should contact the PNC Bank where I made the deposit. I was still at the location, so I then went inside the PNC Bank and met with XXXX XXXX, a manager at the bank. He took my information and told me that my money may be found when the ATM is reconciled. However, upon following up with him, he said that there is nothing they can do. I also called the PNC Bank customer service who said there was nothing they could do. So, in effect, the PNC Bank ATM took {$800.00} from me and didn't give it back.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting itemsas unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$760.00} XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$760.00} XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$530.00} 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
Product: Credit reporting

I am unable to open a bank account due to information on file with Early Warning. XX/XX/XXXX : Called Early Warning was told issue had to do with XXXX XXXX in XX/XX/XXXX , but she couldn\'t tell me more until I had completed a consumer identification form with copy of the drivers license ; submitted both that day. ( I originally did not include my ss # on the form as I wasn\'t comfortable providing to random company asking for it. ) No confirmation, email, voice mail from Early Warning\XX/XX/XXXX : Resubmitted consumer ID and certification form with SS # and drivers license\XX/XX/XXXX : Received voice mail from XXXX stating my request was received for processing and that it was " just about done '' and should be " mailed within a few days, either tomorrow or Wednesday ''. That it would be coming from Arizona and to allow a couple extra days to receive. XX/XX/XXXX : Emailed Early Warning again - where\ 's my reportXX/XX/XXXX : Second voice mail from XXXX stating that yes she originally told me it was just about done, but now they need a copy of my social security card in order to mail file report. No one from Early Warning called/emailed me at any point to tell me they needed additional information ; I was originally told that all I need to submit was copy of DL, which I\ 've sent them twice.XX/XX/XXXX : Called Early Warning spoke to XXXX. Told that b/c I didn\'t provide my ss # in my form they now needed copy of my card. Explained I resubmitted form on XX/XX/XXXX and had vm from XXXX stating it was in progress. Then XXXX tells me they need the ss card because when the \ '' ran XXXX '' it came back with a different name. Which is it - XXXX XXXX in XX/XX/XXXX, no ss # on first form or different name attached to ss #? XXXXAll communications with Early Warning have been initiated by me, I have provided requested information and documentation, each time they have an excuse for why the report is not sent and they\ 've given me XXXX issues of concern ( if true ), but because I don\'t have the report I don\'t know what I\ 'm dealing with. None of this appears on my credit report from XXXX, XXXX or XXXX. I log in to SSA.gov to review my report - nothing there either. How do I even know this is a legit company? I honestly don\'t know if I should send a copy of my card, but if I don\'t they will continue to prevent me from opening new bank accounts or bank loans. I have all emails and I also have the two voice mails left by XXXX. This is past the point of ridiculous and it feels like a bank scam. I have proven who I am with my driver\ 's license ; address on form = address on drivers license = where to mail it.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX {$1200.00} XXXX XXXX {$280.00} XXXX CARD XXXX {$2700.00} XXXX  XXXX XXXX XXXX XXXX {$4000.00} XXXX CARD XXXX {$16000.00} XXXX CARD XXXX {$2200.00} XXXX XXXX {$2300.00} XXXX XXXX {$2800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

I had an LLC Capital One credit card ( I was the primary signor ) that was improperly used by my partners wife to pay a her personal insurance policy premium. On numerous occasions, I explained this to Capital One, and they finally placed ALL correspondence to XXXX XXXX ( my LLC partner ), making him the responsible party for collection. 

My credit report continues to show this debt, therefore destroying my credit. Every time my credit report is reviewed, I have to go through the long process of explanation. I just need this removed. Please
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX SS XXXX Balance : {$2400.00}
Product: Credit card

I was shocked when I reviewed my credit report and found late payments on the dates below : 90 days past due as of XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 credit inquiries on my Equifax credit report that are fraudulent. XXXX XXXX XXXX and XXXX XXXX XXXX. I have never applied for a credit card with neither of these companies. I spoke with Equifax and with both credit card companies. The credit card companies told me that there is no information about an application in my name in their systems. I then reached out to Equifax to report fraudulent activity on my credit report and disputed both inquiries. I would like for these two inquiries be investigated and removed from my credit report.
Product: Debt collection

I've had my student loan transferred from XXXX XXXX to First Mark Services. It was setup on autopay at XXXX and I saw the account disappear awhile ago on XXXX website. I've been receiving a ridiculous amount of email and paper mail from XXXX XXXX explaining that they're transferring student loans and to wait for FMS to pick up payments. I've not received a text, email or letter from FMS and it is not 2 days after my student loan typically auto deducts. I'm currently trying to call them, but A LITTLE COMMUNICATION WITHIN WEEKS should be expected. XXXX XXXX has confirmed that intentionally delaying the transfer/setting up auto payment would be financially beneficial for FMS.
Product: Debt collection

Despite numerous previous written requests, the unverified accounts outlined below persist on my credit report, which is a violation of Federal Law. The three Credit Bureaus have neglected to comply with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX within the stipulated timeframe, and they persist in reporting unverified information. Given my extensive efforts to resolve this issue directly with the creditors, their actions can be interpreted as deliberate negligence and a failure to adhere to federal regulations. These statuses have a detrimental impact on my credit report, and this damage could have been prevented if the bureaus had conducted thorough investigations before reporting derogatory information. CAINE WEINER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : The following information is my contacts : XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX -- XXXX or XXXX Mortgage Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX In XXXX I filed XXXX with my XXXX. I did NOT include my mortgage in the XXXX. When the bank was informed of the XXXX their XXXX charged me {$750.00} to investigate the XXXX. They attached this charge to my loan. The bank has now informed the credit bureaus that my mortgage loan with them was included in the XXXX and that I have not made any payments on the loan.
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I tried to contact the bank XXXX and was told it would cost me to speak to him and that he had to right to as he did on my account. I talked to my XXXX XXXX who said the bank has every right to report as they see fit. I did sign a re-affirmation that said I would continue with my payments on the loan.
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I know the XXXX will stay on my Credit Report. However should I decide to sell my house I will never be able to rent anywhere because of the false reporting on my mortgage payments.
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How can I get this fixed? Can you help me? Please see what you can do to help with this situation.
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Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV is reporting different dates of last activity on XXXX XXXX and XXXX Reporting inaccurate information is a violation per FCRA. I would like for this acccount to be removed from all credit bureaus IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has continuously failed to provide me with the method in which they are verifying and reporting inaccurate information on my credit report. I have submitted written requests over the past 6 months (  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX , and  XXXX / XXXX / XXXX  ) inquiring about their methods of investigation, re-investigation, verification, and reportability. However, Experian continues to avoid providing me with the information requested and permitted by the FCRA.     I currently have an open complaint still showing (  XXXX  ), but have received notice from Experian that the alleged information is verified and it will not be re-investigated. I require clarity on the initial status of this complaint as there is now a discrepancy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute for accounts that does not belong to me XX/XX/2012 for accounts from XXXX XXXX and XXXX XXXX XXXX which does not belong to me they have not responded and its been over 31 days.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items XXXX XXXX XXXX XXXX BALANCED {$15000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple dispute issues with XXXX, Equifax and XXXX that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX V XXXX XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit  bureaus - NOT the consumer. 

Here is my dispute to XXXX, Equifax and XXXX ( below ). Due to the fact that these accounts are reporting  inaccurate and have not been verified, corrected or deleted, they must be removed immediately from my credit report. 

Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? Congress states in XXXX v XXXX XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

XXXX XXXX XXXX XXXX I do not owe a balance of {$5800.00}. In addition, you are reporting that I did not pay on time for XX/XX/XXXX while Equifax shows that I paid on time!. Delete immediately! 

XXXX XXXX XXXX Theres absolutely no information on this account. Wheres the terms, type, high balance, limit, payment status, payment status details? You do not have any of that listed. How can the high balance be {$0.00}? Please delete at once. 

XXXX XXXX XXXX How are you still reporting the wrong balance? This doesnt make any sense at all! You did not at any time correct or delete this account, which you must now do based off the fact that you are not reporting this per the FCRA : Monthly payment : XXXX and Equifax $ XXXX/XXXX {$150.00} Status : XXXX : 30 days late/Equifax ; : 60 days late/XXXX : paid as agreed Youre screwing with my numbers and none of this is valid. Delete immediately. 

Any correspondence received to and from you will be made available to my attorney as well.
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 IN 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: Debt collection

After reviewing my credit profile on XX/XX/XXXX, I identified a discrepancy with account listed under Phoenix Financial Services. I requested a validation on XX/XX/XXXX as this medical account has been paid for by XXXX. Credit report was reviewed again on XX/XX/XXXX and a 2nd validation letter was sent to the agency and attempts to call and provide XXXX  information again was made but unsuccessful. On XX/XX/XXXX credit report was pulled again and the account is still reflecting on my report despite multiple attempts to clear the discrepancy and I believe that they are trying to collect on an account that has been fully paid for and I believe that the creditor does not have authorization to legally access my medical records and to attempt to collect on this account. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account was not paid for in full by my insurance and that all information is correct.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXXXXXX {$0.00}
Product: Debt collection

On XXXX XXXX I was notified by the 3 major credit bureaus that there was a negative collection reporting for {$390.00} by National Credit Adjusters on behalf of XXXX XXXX XXXX XXXX  XXXX. I have contacted both companies notifying them and providing documentation of identity fraud to no avail. They have continued to report this fraudulently acquired negative collection account and have refused to delete with the bureaus. I have never been a customer and never will! This is a clear violation of my Fair Credit Reporting rights and I intend to immediately pursue civil litigation if there is not a positive resolution resulting in the permanent deletion of said account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX gave an inaccurate report to Debt collection which was submitted to XXXX. I have tried to resolve this as I spoke with XXXX at their Billing Department. I told her I am not aware I had any outstanding balance and she confirmed that it was a mistake on their part for submitting an inaccurate charge to debt collection. It is still open up to now as it is stated in XXXX credit report since XXXX 2017.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and proper investigation processes has shaken my confidence in the platform and its ability to safeguard its users. I urge Zelle to reevaluate its dispute resolution processes, implement more robust consumer protection measures, and work closely with financial institutions to ensure accountability. As a loyal user, I believe Zelle has a responsibility to prioritize consumer safety and transparency to rebuild trust and prevent further harm to its users.
Product: Money transfer, virtual currency, or money service

In XX/XX/2023 In response to a vacation rental ad my wife & I sent money through Paypal for a deposit. The rental ad was fraudulent. Because the transaction was through Paypal 's " Friends and Family '' Paypal took no responsibility for the fraudulent transaction and has not complied with requests to provide information about the fraudulent poster. My local police dept detectives have also tried to no avail. I spoke with the fraudster before the money transferred ( on ar about XX/XX/2023 ) and he disappeared after the money transferred. All indications are that this person is in the US. XXXX XXXX is the name used. A XXXX search of the phone number used and that name came up with a person on XXXX XXXX XXXX  who may or may not be the fraudster. The account name on Paypal was XXXX. We lost {$650.00} in this transaction. 
In a separate incident my credit card was charged through my Paypal account by a company ( XXXX XXXX ) with whom I have never done business.I gave no authoriztion for the charges and didn't know about them until they showed up on my bill. Paypall claimed that they were recurring charges which they approved. That is false. Their " solution '' was for me to challenge the charges with my credit card company. I did this and had the charges removed. However Paypal should be held accountable for this activity and their lack of assistance.

Additionally Paypall 's security is useless. They claim that e-mails with a certain greeting at the top are the only ones that are legitimate. I have received and responded to fake e-mails with that exact type of greeting.They were fraudulent and the sender tried to get me to send money to clear up an alleged problem with my account. Fortunately I was not duped at that time. I realized later by looking at my account that this fraudster had set up dozens of transactions in the thousands on my Paypall account that were set to go through had I fallen for their ploy.

I find Paypall 's business practices deplorable and request that CFPB hold them accountable. I believe the " Friends and Family '' designation is nothing more than an opportunity for fraudulent transactions to take place. Paypall gets their commission and does nothing to help those who were defrauded.