23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

AAFES refused my payment from my bank card and said the only way I could pay would be to drive 375 miles, to the nearest major Army or Air Force base, and make in person payments. When I called them to try to make payments they locked me out of my account and immediately sent it to collections.
Product: Credit card or prepaid card

I HAVE A WALMARKT CREDIT CARD I RECENTLY HAVE GONE THRUOUGH FINIACIAL HARDSHIP AND HAVE MISSED A FEW PAYMENTS. IT WAS CLOSED ON XX/XX/2014 XX/XX/2014
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my Equifax credit report on XX/XX/XXXX and noticed that I had a repossession showing for XXXX XXXX XXXX account. This repossession date was shown as XXXX had 120 day late payments showing for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I pulled my credit report XX/XX/XXXX and noticed the repossession was gone. XX/XX/XXXX was now showing as 30 day late payment. XX/XX/XXXX was now a 30 day late payment, XX/XX/XXXX was now a 60 day late payment and XX/XX/XXXX was showing as a 120 late day payment. My credit report on XX/XX/XXXX shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a 120 day late payment. My credit report on XX/XX/XXXX shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a 120 day late payment. I pulled my credit report again on XX/XX/XXXX and it shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a 120 day late payment. I was sent a copy of my report as well on XX/XX/XXXX and noticed my payment history had changed again. It now showed XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a repossession. On XX/XX/XXXX, my report showed XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a repossession. I pulled my most recent report on XX/XX/XXXX and it shows XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 30 day late payment, XX/XX/XXXX as a 60 day late payment and XX/XX/XXXX as a repossession. 

Someone keeps changing my payment history from Equifax without my permission. I have been keeping a very detailed record and the payment history is definitely not accurate nor does it match any other credit bureau, 3rd party reporting agency or the creditor records themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON AROUND XX/XX/2022 I DISPUTED INACCURACIES AND INCONSISTANT ACCOUNTS SHOWING ON MY CREDIT FILE BY THE CREDIT REPORTING AGENCIES, I ASKED THEM TO VERIFY THE ACCURACY OF INFORMATION AND SEND PHYSICAL PROOF OF VERIFICATION PROCESS. THEY HAVE FAILED TO PROVIDE ANY SUCH PROOF AS WELL THEY'RE CONTINUING TO REPORT INACCURATE INCONSISTANT INFORMATION. 
ACCORDING TO THE FCRA THEY MUST REPORT 100 % ACCURATE INFORMATION, OR UNVERIFIED AND INACCURATE REPORTING MUST BE DELETED. DUE TO THEIR NEGLEGANCE I'VE BEEN UNABLE TO OBTAIN ANY CREDIT, EMPLOYMENT, AND HOUSING.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY ACCOUNT WAS LINKED BY NAVIENT WITH USA FUNDS WHEN I OPENED AN ONLINE ACCESS TO REPAY MY LOAN. BUT WHEN I ENTERED TO THE SITE OF USA FUNDS TO CHECK THE PAGES WAS OUT OF SERVICE. I HAVE NO KNOWLEDGE OF ANY LOAN WITH USA FUNDS OR THE AMOUNT THAT APPEARS THERE. I HAVE ONLY A LOAN CONSOLIDATED WITH  XXXX  AND ALSO DOES NOT RECOGNIZE IT BY THE DAY IT WAS OPENED BECAUSE I WAS N'T ATTENDING COLLEGE AT THAT TIME. PLEASE REMOVE MY LIABILITY TO THIS ACCOUNT. IS AFFECTING MY  CREDIT SCORE  ALSO IT SAYS THAT IS CLOSE AND IS INCREASING  XXXX   XXXX  EVERY MONTH.
Product: Credit reporting or other personal consumer reports

I respectfully request that you act without delay to remove the fraudulent accounts from my credit report.
Product: Vehicle loan or lease

My wife and I have lost all our income due to COVID-19 shutdowns, and are unable to claim unemployment because we are here on an XXXX XXXX XXXX. We have been out of work since XXXX, and it's now XXXX, so as you can imagine, it's taken its toll. 

In XXXX, I called Westlake XXXX, the company who finances our car loan, to explain what had happened. They were at first, very understanding, told me not to worry and said that they would allow payments to be added on at the end of the loan term whilst the shutdowns were happening. What a relief, and exactly how you would hope a finance company would react to a global crisis. 
When I called to arrange the same thing in XXXX, they told me that was no longer an option. They told me that investors had 'put the pressure on ' to start collecting some payments, so they would have to take a payment for XXXX, on the premise that next month in XXXX we could do another deferral. I did not have the money - at this point it was very stressful and a case of do we eat, or do we pay our car payment? We struggled and cut back on food in order to make the payment, just so we could ensure we kept our car and at least we could then have the next month off. 

XXXX came along, and they started calling me 5 times a day ( at least ) to collect the payment. I explained that we'd arranged to defer the payment, and they told me this is no longer acceptable and every month 's payment has to be made. 

Unfortunately at the end of XXXX, things got so bad that we had to lose our home. The day after we'd moved out, I received another phone call from Westlake, where I explained that we'd lost our home the day before and we really need to find an arrangement for these payments. The person on the phone made no response whatsoever to me sharing this with him, all he could say was 'right ... so can you make a payment today? ' Having just lost our home, my level of XXXX XXXX was hanging by a thread and I must say, having someone respond like that pushed me over the edge for a second. 

Since then, they've been calling me multiple times a day starting at XXXX every day, sometimes from different phone numbers where they don't even tell me where they are calling from right away, which just feels so scammy. Just now, they called me again, and I told them I was making this complaint, and told them again the situation we are in, to which they again responded, 'right ... ' - no apology, no offer to come up with a solution. When I told them it was unethical to respond to someone saying they've just lost their home with a 'right ', they hung up on me. 

I am just disgusted with this company. We pay a huge amount of interest to have a loan with them, because we are not XXXX, and surely we pay this much interest because we are a higher liability, and something should be in place for a situation like this? We can't get jobs because our XXXX won't allow it, so we are literally stuck right now. Companies like this need to factor in consideration for the mental health of their clients and stop hounding them when they are in horrific situations.
Product: Credit card

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX, and I urge you to rectify the situation promptly by updating my records accordingly.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to the inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp 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, as 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: Debt collection

To whom it may concern : Since 2023 and even before 2023, I have been trying to get information on a XXXX debt that I don't believe it mine. I have asked multiple times for a contract or something with my signature and name on this debt but I have received nothing. If this is not tied to me, isn't that a HiPAA violation to sell someone's medical information to a debt collector? None the less, I have no knowledge of this account or the debt. 

WAKEFIELD & ASSOCIATES is listed twice on my credit report for Medical debt that I do not believe is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has FAILED to delete an account off my credit file that I DID NOT open. I sent them a police report and shown that the account has different billing information on it other than mine. Every knows how easy it is to apply for anything online without physical verification! 

One credit bureau has already deleted the account instantly as attached. 

I DEMAND TRANSUNION TO DO THE SAME!
Product: Money transfer, virtual currency, or money service

I am an online merchant/small business owner. My 2 websites offer PayPal as a method of payment. PayPal recently changed its policy to now when a merchant processes a refund, PayPal will keep the 2.9 % + .30 cents transaction fee. This is unheard of in the payments industry! The most a payment processor keeps is usually the .30cents transaction fee. I recently had 2 suspected fraud orders on one of my websites totaling {$5600.00} that used the PayPal service as a method of payment. Within 30 minutes of the fraudulent charges, I voided the orders and refunded the money back to its PayPal account. However, PayPal kept the 2.9 % processing fees, so PayPal took approximately {$160.00} from my PayPal account. Firstly, PayPal should not be doing this period no matter the transaction type! But, what makes this even more infuriating to me is they do this even when a merchant suspects the payments to be fraudulent. So, I was still robbed of {$160.00} but not from a fraudster in the XXXX XXXX but from PayPal in XXXX XXXX. This is unheard of and is nothing but theft in my opinion! Please investigate PayPal and demand fro them to stop thieving from the retailers that have made them a success. As a result of PayPal 's new policy, I no longer accept PayPal as a form of payment.
Product: Debt collection

I received a letter from Receivable Management Group , Inc. saying I owed {$2400.00} from a XXXX, hospital stay etc.XX/XX/XXXX thru XXXX/XXXX/XXXX. I did have the XXXX etc. however I was and still am on my husbands Ins, XXXX XXXX, and was told by the ins co, that not only do I not owe anything that during those dates it was a global period. I also talked to the finance department at XXXX XXXX XXXX and was told that I owe nothing and that I have a XXXX balance as of XXXX/XXXX/XXXX. They also told me that they do not contract out with Receivable Management Group , Inc. 
When I talked to a XXXX XXXX who claimed to be a supervisor he said that I was lying and that BMI did contract with them. I asked him for a proof of debt and the break down of the bill that 's when he hung up on me. The person that I spoke to at XXXX XXXX. offered to call XXXX XXXX and have a 3 way conference call with my permission, he refused and preceded to hung up on her. I have been working diligently on improving my credit. If I felt that I owed XXXX I would definitely pay this bill. The last amount I owed XXXX was {$740.00} which I paid the entire amount in full. I not sure where to go from here. I just want to remedy this situation as soon as possible. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after Ive already included this in my previous Complaint # & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report XXXX XXXX, USDOE/XXXX DPT ED/XXXX, XXXX XXXX XXXX. US DEP ED. There are also inquires that not mineXXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX DEPT OF ED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Debt collection

I was notified that my credit score was lowered substantially by my bank. When I looked at my credit score, there was a notification from Helvey and associates on behalf of XXXX XXXX XXXX Indiana for the amount of {$770.00} which was for an account going to a mobile home in XXXX XXXX. I dont live in Indiana and have owned my home since XXXX. I sent both XXXX XXXX and Helvey associates every document that they asked me to, and they still claimed the account was mine. I filled out an identity theft report with the United States government as well and followed all of those steps even had a sheriff in the state of Indiana, where I do not go to the mobile home and investigate what was going on. From that investigation it surely looks like XXXX XXXX made a mistake and put an account information in my name but will not claim that. They insist I owe {$770.00} and that it is my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681b they must follow consumer laws!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX Date : XX/XX/year> To : FactorTrust , Inc. XXXX XXXX XXXX XXXX  GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore, any such debt, in fact therefore exist. THESE ACCOUNTS LISTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I HAVE IN LITIGATION. ME AND MY TEAM OF LAWYERS ARE IN PURSUIT OF FILING SUIT AGAINST XXXX, XXXX AND EXPERIAN AS WELL, FOR VIOLATION OF FEDERAL LAW ' FCRA MY CONSUMER RIGHTS!
Product: Credit reporting or other personal consumer reports

Experian Isnt it true that under the Fair Credit Reporting Act, a credit reporting agency has thirty days to investigate my disputes? I have reached out to Experian several times requesting them to remove the old address XXXX XXXX XXXX XXXX XXXX SC XXXX from my credit report. However, Experian is refusing to remove the old address. I had no problem getting the address remove from XXXX, and XXXX. 

I have sent several letters to Experian regarding inaccurate information in my credit file, but I have not received any response from them, and the inaccurate information remains in my credit file. Now, I would like to formally file my CFPB complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I became aware of a data breach of Equifax Credit Reporting Company. I went to Equifax 's website in order to figure out if I was affected by the data breach. I was given a date ( XX/XX/XXXX ) to check the website in order for Equifax to alert me if my data and personal information was breached and stolen. 

I checked back today ( XX/XX/XXXX ) and entered my information into the same website on Equifax. The website then stated that my information was stolen or affected by the breach. I wanted to file a CFPB complaint due to Equifax 's negligence in allowing my information to be compromised. I also wanted to make sure that I made a documented effort to rectify the situation, despite Equifax 's negligence and all around ineptitude to prevent this situation.
Product: Checking or savings account

Wells Fargo hosted a fraudulent customer, i.e., XXXX XXXX XXXX XXXX  posing online under the website and name " XXXX XXXX ''. They allowed multiple transactions from multiple different banks, and from multiple different XXXX XXXX and now they refuse to refund my 2 wire transfers made to the fraudulent account they hosted. Even if funds are no longer available in that account, Wells Fargo should be held liable for hosting fraudulent activity. 

There are many other XXXX  investors who have attempted to contact Wells Fargo , and similar to myself they were told by Wells Fargo that there is nothing that can be done, and that I can't open a case because I'm not a Wells Fargo customer . I attempted to contact multiple departments and eventually was hung up on by the legal group. 

I have contacted authorities and the XXXX and hope to see Wells Fargo admit wrongdoing and gross negligence soon to reach a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I placed a call with Lexis Nexis, opening a dispute, regarding reporting that included incorrect additional drivers at my home address, my incorrect address located on the reporting, addresses associated with my name and information where I had never lived, identification records listing information that was not mine ( this information was my mother 's and I also informed them of that ), and watercraft records with information that was not mine, nor were they related to me ( this information was also my mother 's and I informed them of that as well ). Lexis Nexis informed me they would have all items fixed and send me a new report with all corrections made. They also informed me they would communicate all of this to the companies they received this information from. 

On XX/XX/XXXX, I received updated paperwork which STILL included identification records listing information that was not mine ( this information was my mother 's ), and watercraft records with information that was not mine, nor were they related to me ( this information was also my mother 's ). 

On XX/XX/XXXX, I placed ANOTHER call with Lexis Nexis, re-disputing the incorrect information I received on XX/XX/XXXX, informing them AGAIN that their reporting included identification records listing information that was not mine ( this information was my mother 's and I informed them of that AGAIN ), and watercraft records with information that was not mine, nor were they related to me ( this information was also my mother 's and I informed them of that AGAIN ). Lexis Nexis informed me they had made a mistake, the notes on my account stated this information should have been removed, and they would have all items fixed and send me another new report with all corrections made. They also informed me they would communicate all of this to the companies they received this information from, AGAIN. 

On XX/XX/XXXX, I received updated paperwork which STILL included identification records listing information that was not mine ( this information was STILL my mother 's ), and watercraft records with information that was not mine, nor were they related to me ( this information was also STILL my mother 's ).
Product: Credit reporting or other personal consumer reports

I HAVE RECENTLY CHECKED MY CREDIT REPORT AND OBSERVED SOME UNAUTHORIZED INQUIRIES STILL REPORTING. 

Inquiries not authorized in XXXX : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

Inquiries not authorized in TransUnion : XXXX. The inquiry was not authorized XXXX XXXX Inquiry date : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a medical education loan that has been reported on my credit report. I took out this loan from XXXX ( with account XXXX ) to finance my medical education, with the understanding that repayment would not begin until after my graduation. 

However, despite my graduation being scheduled for XX/XX/2023, I have received notices from the lender that my loan is due and past due. Furthermore, the lender has reported the debt to credit reporting agencies, which has had a negative impact on my credit score. 

I have attempted to resolve this issue with the lender, but I have not received a satisfactory response. I believe that this is a violation of the terms of the loan agreement and that the lender is in breach of contract. 

I am requesting that the Consumer Financial Protection Bureau intervene in this matter and conduct an investigation into the actions of XXXX. I am seeking a resolution that will remove this debt from my credit report and prevent any further negative impact on my credit score.

If you require any further information or documentation, please do not hesitate to contact me. 

Thank you for your attention to this matter.