23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received a letter from Barclays dated XX/XX/2023, stating that the Power of Attorney ( POA ) request that I completed to let them know that another agent could act on my behalf concerning my AAdvantage Aviator XXXX XXXX XXXX XXXX account had been approved and notated on my account. I NEVER submitted any POA document to Barclays, and contacted Barclays on XX/XX/XXXX ( I was out of the country when the letter was received ) to request that they remove this POA. Although their letter states that you can mail, fax, or call them to request removal of the POA, this is false information, and I was told it could only be done by mail or fax. On this same date, I also contacted XXXX XXXX, the card 's issuer to request assistance, and was told that they could do noting to resolve my issue, and to contact Barclays. I called Customer Service on XX/XX/2023 to request information on the POA-named agent and notary signatory, and was told to speak with the Fraud Unit , where I was told that they did not have access to my account. I submitted a letter dated XX/XX/2023 via USPS Certified Mail to request removal of the POA. I called on XX/XX/XXXX, XXXX to discover that the POA had been removed on XX/XX/2023, and that I would be receiving a letter verifying the removal. I sent an email to Barclays on XX/XX/2023 attaching my initial letter and confirming that I would receive this information. I contacted Barclays on XX/XX/2023, and spoke with a Supervisor, who assigned a case number ( XXXX ), and assured me that the POA had been removed from my account on XX/XX/2023, and the information that I requested was being sent out to me. I received a letter from Barclays dated XX/XX/2023 that they are unable to complete my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE DEROGATORies WHICH HAVE BEEN TARNISHING MY CREDIT FILE, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Product: Vehicle loan or lease

I obtained a lease from Us Bank approximately a year and half ago, I am in the process of trading this vehicle and there is a early term fee on this lease. I was never disclosed this not have I ever seen it on a lease. 

this payoff I received today XX/XX/XXXX my lease balance is XXXX purchase price option is XXXX EARLY TERM ADMIN CHARGE XXXX SALES TAX XXXX the payoff I received on XX/XX/XXXX lease balance XXXX purchase price option XXXX EARLY TERM ADMIN CHARGE XXXX SALES TAX XXXX 1st off trading the vehicle in I would completely pay my lease balance and the purchase price option off 100 %. there should be no early admin fee as they will be paid 100 % for the vehicle. 2nd issue is there are no taxes as I had a XXXX trade in when I bought this car so there was no taxes. 

I have tried multiple times to correct this with them and every time I call they have zero idea on how to help me they just say I owe it. 

its not an early term the lease and truck would be paid off in full. 

I completely feel as If I was deceived and taken advantage off.
Product: Student loan

XXXX College XXXX XXXX XXXX XXXX  XXXX misled me promising me employment opportunities and Lifetime refresher courses with a brighter future and the only thing I truly recieved was a useless degree that no one take serious in this city based off the schools reputation that continued to spiral from XX/XX/XXXX-XX/XX/XXXX. Tentative dates..And debt an extreme amount of debt. Not once was I sent on a job interview or even prepped for job placement which was promised upon graduation. They gave us statistics rates and promised a future that if we ever need to go back and revisit accounting or revisit a business course we would always have an open door policy that was not honored either. I started realizing the $ 300- {$500.00} per book only a few words changed. The knowledge recieved was not anything more then I already knew I managed my whole life. They made me believe adding a degree to my life would make me be more marketable. I had a XXXX GPA after looking at my credit report and seeing what this school was doing to me I dropped out. I finally realized that it was a scam all of the student 's were coming to the same conclusion. The material was high school level, I'm at a lack the Lifetime courses I need those the only thing on my credit report is school and my car I am XXXX in debt I have no moral this has ruined me. I use to believe In College before XXXX college XXXX XXXX XXXX XXXX XXXX. Now I don't push my children at all towards it. It's not fair they got off without helping us. If it was a creditable degree I wouldn't be complaining. But Any time mention what school I received my XXXX degree from there is same on my part, and its not taking serious by the reciever of the information. Anyone I have told responds negative in this city like the University XXXX XXXX Scandal. I need help they need to honor relief this is just so intense. Greed caused this they milked us through books through everything.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( INQUIRY ) XXXX XXXX XXXX The following personal information is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

I came across the CFPB XXXX lawsuit. I feel I was negatively impacted, hurting my chances at credit after receiving a response to an earlier dispute that the accounts were verified or updated. Accounts I also had no knowledge of where the creditors did not send me verification that these were my accounts. 15 U.S.C. 1681 is a section of the Fair Credit Reporting Act ( FCRA ) that establishes the purpose and findings of the law. The FCRA governs how credit reporting agencies ( CRAs ) access and use consumer credit reports. Purpose The FCRA 's purpose is to ensure that CRAs are fair, impartial, and respectful of consumers ' privacy rights. The FCRA also aims to promote the accuracy of consumer credit reports, which are essential for the banking system. Findings The FCRA finds that inaccurate credit reports can harm the banking system. The FCRA finds that unfair credit reporting methods can undermine public confidence. Related laws 15 U.S.C. 1681a : Defines rules of construction and terms 15 U.S.C. 1681e : Requires CRAs to have procedures to limit the sharing of consumer reports 15 U.S.C. 1681m : Requires users of consumer reports to disclose the nature of the information to consumers if it's used to deny credit or increase the cost of credit 15 U.S.C. 1681n : Creates a private cause of action for damages caused by willful noncompliance
Product: Mortgage

I had a Home Equity Line of Creidt ( " HELOC '' ) with Bank of America in the original amount of {$100000.00}. The home was foreclosed on back in XXXX. Bank of America ( " B of A '' ) reported that it charged off the debt to the credit bureaus. In XXXX XXXX B of A entered into the largest settlement in XXXX history agreeing to pay {$16.00} XXXX. As part of that settlement, over {$7.00} Billion went to debt forgiveness which was supposed to benefit consumers. For each dollar of debt forgiveness, B of A was actually credited MORE than the dollar forgiven towards the settlement. Rather than crediting collectible debt, B of A did the shrewd thing and discharged debt which, like mine, was completely non-collectible. In my case, for example, the debt was over XXXX years since date of last payment and B of A could not sue over the debt and the lien against the home had been discharged in the foreclosure sale. So B of A essentially " gave me '' the balance of the {$100000.00} loan, as partial penance for its wrongdoing, but the only " benefit '' to me is that I am now XXXX 'd on this debt and have to declare that money on my taxes resulting in a HUGE and unpayable tax debt. B of A, on the other hand, gets credited real money against its fine. So be it. Perhaps I will write to the independent settlement monitor Professor XXXX XXXX XXXX to complain about this practice. 
The issue of relevance to the CFPB is that B of A has refused, on multiple occasions now, to correct the notations in XXXX that this HELOC is still being erroneously reported as a " charge off ''. I have disputed this with the bureaus and each XXXX comes back stating that B of A is saying that the charge off is correct. It is not correct. Like in a bankruptcy case where a debt can no longer be reported as a charge off when the debt is extinguished, the bank has not " charged off '' this amount. It has " paid '' the debt ( leaving itself with a monetary credit towards settlement in excess of the amount of the uncollectable 'paid ' debt and me with a tax burden XXXX of dollars ). The only conceivable thing I could receive out of this settlement intended to consumers like myself harmed by B of A 's practices was to have the loan report correctly on my report. And they repeatedly refuse to do even that. I have all documentation ... the letters to B of A requesting removal, letters to the bureaus, and the bureaus ' 'verification ' of the 'charge off ' status. This is beyond adding insult to injury. It is further unlawful financial misconduct by B of A, under the auspices of a settlement with the XXXX consumer.
Product: Credit reporting or other personal consumer reports

Please help with the following inquiries as they were not innitiated by me and are fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please remove from my consumer report asap
Product: Credit reporting or other personal consumer reports

HI, Self Financial or XXXX Is reporting an inaccurate balance on my XXXX report which resulting in me losing XXXX points!!! UNBELIEVABLE!!! When On XX/XX/2023 I made a payment of {$240.00} & a payment on XX/XX/2023 of {$20.00} more dollars & Self reported on the XXXX of XX/XX/2023, my balance went down from {$400.00} to {$200.00}. & my scores went up on XXXX XXXX XXXX XXXX & I'm still waiting for XXXX to update the new balance. How Ever, today XXXX It shows a report of {$400.00} balance back on my self account on XXXX report!!! WHEN I HAVE PROOF I ALREADY PAID THIS ACCOUNT DOWN NOW 27 % UTILIZATION! & BALANCE IS {$200.00} NOW!! Why would XXXX report inaccurately or Self Inc? Because XXXX says it's getting reporting from Self INC but they only report on the XXXX of the month & they already reported the balance down to {$200.00}!! not {$400.00}!! This is a huge inconvenience & messing up my future plans for buying a home, a new car ( I was in a car accident & my car was totaled, not my fault & its been enough!!! ) I DONT NEED THIS!! & now either XXXX OR SELF FINANCIAL IS MESSING WITH MY LIVE & FUTURE! It's already been a pain that XXXX says Self Financial didn't update & report the new balance of {$200.00} but XXXX XXXX XXXX XXXX did report the correct balance in the beginning of XXXX. So I do NOT understand why is there a new report saying the balance is back at {$400.00}? My payments were took out of my bank accounts & everything was fine. I BEEN WORKING SO HARD TO GET MY CREDIT CARD BALANCES DOWN, JUST TO BE DISHONORED! I NEED THIS PROBLEM FIXED ASAP & MY XXXX POINTS BACK PLEASE! THIS IS GETTING DEPRESSING, THESE COMPANIES DO NOT CARE ABOUT MY LIFE!! THEY ARE VIOLATING MY RIGHTS & BREAKING THE LAW, REPORTING INACCURATE INFORMATION IS ILLEGAL!
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 violate 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 resolution process was unfair and deceptive, and they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

EdFinancial Services has notified me several times about how the change in their online servicing system, that my loans will be transferred to this new system before interest starts accruing on my loans on XX/XX/XXXX. Once the loans are fully transferred to their new system, I will receive a confirmation email from them and will need to make a new account on their new system to set up a profile. 

Their first email about this transfer was on XX/XX/XXXX stating that the transfer would take place on XX/XX/XXXX I then receive another email on XX/XX/XXXX, stating that there was a slight change from the original transfer date ( XX/XX/XXXX ) and that my federal loans will be transferred at a later date, with no mention of the new date in the email. 

I then received a XXXX email on XX/XX/XXXX stating that effective XX/XX/XXXX, EdFinancial will transfer my student loans to the new online service and that 2 weeks after XX/XX/XXXX, I will need to create a new online account once I receive a confirmation email from them. 

No email was received on XX/XX/XXXX about setting up a new profile. 

XX/XX/XXXX, I called EdFinancial to ask about this issue and that I wanted to pay off my federal student loans XXXX before interest resumes in XXXX. The CSR said that the transfer processing from her side and that I should be receiving an email from them on XX/XX/XXXX to set up my new profile once its complete XX/XX/XXXX, I receive an email with the same message that there has been a " slight '' delay in transfer date. No specific date mentioned about when it was to be completed. 

XX/XX/XXXX, I never received an email to set up a profile like the customer service rep said in the phone call. 

It is now XX/XX/XXXX, and still no email to set up a profile. In fact, I got an email from them at XXXX tonight ( XX/XX/XXXX ) stating that theres been a delay with the transfer- no specific date mentioed. 

If I try to log in with my old credentials, or try to go ahead and set up a new profile without the their email, it states that EdFinancial has no record of my account even when I provide my full name, birth date, and social security number. At this point, I can not access any of my loans to pay them off before interest resumes on XX/XX/XXXX. 

What is the delay?
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting agencies XXXX, Transunion, and XXXX or The CRAs is willfully noncompliant in blocking false misleading reporting at my request. I sent The CRASs a notarized litigation hold notice on XXXX ( see attached file ) and it was received and signed by an agent. The CRAs failed to send me the demands I demanded inside the notice ( see attached file ). Without this information being sent to me, the accounts in question are indeed unvalidated, being fictitiously reported, and should be blocked immediately until The CRAs can validate the information they voluntarily furnished. Along with my hold notice, I informed The CRAs that I dont consent to generic responses, notice to one is notice to all, and they had 4 days upon receipt to block the false misleading reporting ( see attached file ). Now, The CRAs are in violation of 15 USC 1681c-2. Experian also sent me a generic response that displays their noncompliance toward this ongoing issue ( see attached file ). This is a block request, not a 30 day dispute. The CRAs are failing their grave responsibilities by reporting with partiality. I demand these unvalidated accounts be blocked until the proof of my obligation is validated. I will now state that along with my hold notice, I included my proof of identity, a clear representation of the fraudulent accounts, a Identity theft report from the FTC, and a clear & conspicuous section stating my demands ( See attached file ). If the CRAs comply with my demands, they will prove that the false reporting is unlawful and being willfully reported.
Product: Credit reporting or other personal consumer reports

XXXXSent in Id, Social Security Card and Georgia Power bill . Requested update to. my name and address on my report, and to remove all inaccurate names and residences. No Response. 
XX/XX/year> Sent in second request with same documents, no response. Unable to pull credit from XXXX or Transunion as they are both reporting different personal details and have several other names listed on my report as former names. 
XX/XX/year> Filing this complaint with CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 accounts reporting on my credit file with incorrect late status. I was never 30 days late on these accounts. I need your assistance in getting this matter rectified. 

There are inaccurate lates on the following accounts : XXXX  - Date Opened : XX/XX/XXXX ( XXXX ) and/or XX/XX/XXXX ( Experian and XXXX  XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX  ) and/or XX/XX/XXXX ( Experian XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX ( XXXX  ) The following are incorrect addresses ( not mine XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  The Following inquiries was not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the removal of all Fraud Alerts from my credit report. I am trying to buy a car and I can not access my credit file with the Freeze/Alert on it.

XXXX XXXX XXXX XXXX XXXX   XXXX OH XXXX DOB XXXX SS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to assert my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and demand a thorough investigation and prompt correction of inaccurate late payment reporting on my credit report with XXXX and XXXX. Your immediate attention to this matter is required, as the continued presence of this inaccurate information is causing significant harm to my financial well-being. 

The account in question is as follows : Creditor : Navy Federal Credit Union Account Number : N/A My credit report with XXXX reflects the correct account standing, showing no late payments and a status of " good standing. '' However, my credit reports with XXXX and XXXX inaccurately report late payments on the same account. This discrepancy raises concerns about the accuracy and reliability of the information reported by your agencies. 

Pursuant to the FCRA, I demand that you initiate an immediate and comprehensive investigation to verify the accuracy of the late payment reporting on this account. Should you fail to substantiate the late payment claims or correct the inaccurate information, I insist that you promptly update my credit report to accurately reflect the account 's good standing, as reported by XXXX. 

In accordance with the FCRA, you have 30 days from the receipt of this letter to complete your investigation and provide me with the results in writing. If your investigation substantiates the inaccuracy of the late payment reporting, you are legally obligated to correct the account 's status on my credit report and notify me of the changes made. 

I expect your agency to fulfill its legal obligations under the FCRA without delay. Failure to do so may result in further legal action on my part.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. The Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act XXXX  account # XXXX has violated my rights.

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

15 U.S.C 1681 section 602A section 2A consumer reporting agency can not furnish a account without my written permission.

15 U.S.C 1692 section 805A. A debt collector may not communicate with a consumer at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer.
Product: Credit card or prepaid card

On XX/XX/2020, my credit card account at Wells Fargo was closed due to reasons unknown. I've made 100 % of my payments on time and have had the account for many years. Wells Fargo did not send me any notifications that my account would be closed and gave me ZERO notice. I tried calling Wells Fargo 4+ times over the past couple of days to figure out what happened and each time I was forwarded to a number that would put me on hold for 25 minutes before ending the call and hanging up on me. This account was one of my oldest credit accounts which made my credit score drop significantly when it was closed for no reason. Now I can not get an apartment lease or mortgage because of the impact it's had on my credit score.
Product: Debt collection

This debt was originally taken off of my credit report due to this being done without my consent. It has recently been placed back on my credit report by XXXX  after they had previously deleted it. Back in XX/XX/XXXX, I had signed the guarantor form for my son to get an apartment. I later revoked my decision with my son and the leasing office due to him not being able to pay his rent in advance or through the duration of the lease due to him not receiving his financial aid monies. My son later went back into the rent office and proceeded with signing the lease without my consent or my knowledge. The leasing office at that time did not call me to confirm with me or to see if I had changed my mind about allowing my son to proceed with signing the lease. I didn't find out about this until XX/XX/XXXX when the debt appeared on my credit report because my son never moved into the apartment. My son 's signature is the only signature on the lease because once again I revoked my decision to be the guarantor on the lease with my son and with the leasing office.
Product: Mortgage

I am a first time home buyer. I have been shopping around with some banks. Yesterday, I received a fully executed contract and my partner asked for me to check out some rates ; and I XXXX it. 

The first place I registered with was with Quicken Loans, and I received a call within seconds. It was a woman saying, i'm from Quicken Loans. Next thing I know i'm passed to another person ; and he starts to pitch me. Within minutes he processed my credit and I had never consented to this. I just wanted to hear what rates they are quoting today for me to chose where I would like to lock in my rates with. 

This is such a sensitive matter b/c running my credit impacts my score and I need the highest score possible score to get the lowest possible rate. I am so XXXX upset because I had no idea what was really going on and I worked in finance for most of my career. As soon as he told me my credit score I was like : " wait, you ran my credit? '' Whatever quicken loans is doing is so predatory and it needs to change.