23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The Ascendium loans and the XXXX loans on my account are fraud. All of my student loans were paid-in-full by a second mortgage HUD 1-A with disbursements directly to XXXX in XX/XX/XXXX ( please see attached evidence ). I graduated from the University XXXX XXXX in XXXX. I never had any other student loan debt and all of mine was paid in XXXX by the aforementioned second mortgage. The XXXX and Ascendium loans are fraud and must be removed from my account. XXXX was helpful, and removed the debt from my credit report. XXXX was non-responsive and continues to post numerous repeats of the fraudulent debt regardless. The fraud representative, XXXX, with XXXX was not helpful. We spoke with XXXX in the fraud department with XXXX, formerly XXXX, who confirmed my loans were paid-in-full in XXXX. XXXX did not want me to ask questions or to speak, other than just providing my personally identifiable information and updated contact information to the creditors. XXXX ended the call with XXXX without asking him To send notice to her or the other agencies XXXX and Ascendium who are subsequently and wrongfully reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of Accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681. 
U S BANKRUPTCY COURT - XXXX XXXX XXXX Reference # XXXX XXXX Reference # XXXX 15 U.S.C. 1681 Section 602 A States I have a 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 which antedates the report more than seven years. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting Information with actual knowledge of errors.

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.

( a ) ( 1 ) ( B ) Reporting Information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate
Product: Credit card

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as c clate.
Product: Credit card or prepaid card

I made a payment on XXXX to pay balance in full ; however, despite balance posting on both my bank account and credit card ( both Capital One ), that there is a hold placed on my available credit ; however, again the payment has posted on both my bank ( on XXXX ) and credit card ( on XXXX ) statements. contacted representatives from both banking and credit card ( specifically Walmart card ) lines of business ; however, was advised by every representative I spoke to ( some were nice and trying to be helpful, others were super rude and condescending ), that there is a 10 day hold on my payment, which does not make sense and is unacceptable considering the payment has posted to both accounts. The company ( Capital One ) should grant access immediately to my available credit, as I have made the payment, and payment has posted both from my checking account and credit card statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a debt validation letter to IC Systems via certified mail. It was signed for on XX/XX/XXXX. They have not responded to me at all, but reported to the credit bureaus on XX/XX/XXXX. There is supposed to be time for me to validate all accounts before being reported within 30days
Product: Money transfer, virtual currency, or money service

I tried to place an order on a website using PayPal and had set up automatic payment before this. When I tried to submit the payment with PayPal, my preferred method of payment ( credit card ) was declined. As a result PayPal automatically charged the payment to my bank 's checking account without my consent. 

I did not select anything that would indicate to PayPal that I'd like to charge this amount to my bank account. I did not click anything that would set my checking account as the payment method for this transaction or as the preferred method to pay. As a result I was charged the PayPal currency conversion fee that is higher than what my credit card company would charge. PayPal made money by charging this payment to my checking account instead of my credit card. 

I had other credit cards on my PayPal account. PayPal did not attempt to charge them but directly to my checking 's account after my preferred payment method ( credit card ) was declined. 

I contacted PayPal about this and they refused to fix it.
Product: Credit card or prepaid card

My Discover account of 11 years was closed for inactivity without my knowledge or warning after sending me an updated card with a new expiration date on it. I called to explain my account has been long term and in good standing and was used less than a year ago. I spoke with XXXX in XXXX, XXXX in XXXX, XXXX, and XXXX and XXXX in XXXX. They all provided me with different reasons for which my account has been closed and none of them offered a solution to playing a part in wrongly negatively affecting my credit score by closing a long standing account with such a prominent availability, not even an apology or empathy for my situation. I wonder if this is legal for them to do to their customers and how closing an account without consumers knowledge serves as a promoted policy. I truly hope this company does not use discrimination to make these decisions. I am disgusted with Discover 'S actions as well as customer service or lack there of.
Product: Credit card

I dont recall when my cc was canceled. My cc was canceled due to XXXX XXXX XXXX having another contract with a different cc company. I continued paying my account with direct deposit. 
I never received communication ( statements or any communication ) from XXXX XXXX Bank. Also, they had on file an incorrect email. 
I remember that my payment for the promotion would end around XXXX XX/XX/year>2024. However, I didnt receive statements on the account. 
Around XXXX.24 I called XXXX Bank and started getting the round around to revisit the lack of communication from them about the promotion with differed interest. 
On XXXX24- I received a letter from XXXX Bank XXXX they acknowledged the receiving of my complaint and statements will display a credit or credit balance to assure, I wasnt paying any disputed amount, applicable finance charges, or fees during the investigation. 
On XXXX24- I was charged {$76.00} in interest. 
On XXXX24- I was charged {$73.00} in interest. 
On XXXX24- I paid {$2900.00} to pay for the balance on the account due to fear of XXXX XXXX Bank 's lack of response and communication since XX/XX/scrub> 2024. 
On XXXX.24- Im charged another {$54.00} in interest after paying the balance on XXXX.24. This confirmed that they had a wrongful intent to deal with this situation.
Product: Mortgage

After refinancing my mortgage a payoff was made to the original lender, Arvest Central Mortgage. The payment to Arvest was {$3000.00} over the payoff amount. Arvest 's policy is to deposit those funds into the escrow account and hold them for three weeks ( 14 business days after the payoff and then several more days to mail a check ). These funds were never earmarked as an escrow payment and I informed the lender that they are holding those funds illegally. They claimed that they are within their rights and it is their general policy to hold all excess funds for 14 days after a payoff. As per my mortgage terms I did not agree to their holding non-escrow funds after a payoff.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute with CFPB on XX/XX/2023. 



As of this date, I have not heard from the credit bureau regarding a resolution to the inaccurate accounts reporting on my credit report. 

The following accounts were disputed : Account Name 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: Debt collection

Received previous emails and now I have received a letter from Transworld systems Inc. saying that I owe {$80.00} to XXXXXXXX. They have no record of the reference account number. I spoke to four different XXXX and finally consumer relations team told me that this is a scam and many people are getting these letters to just disregard it. 
Scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$960.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Lease payments were all made on time or early. Turned vehicle in 3 weeks before due. The dealer tried to call bank rep for schedule of review. No response so dealer XXXX. did walk around and found vehicle to be clean, tires good, body undamaged, no dings or other repairs needed. I'd purchased insurance at signing for {$750.00} and agreed to pay {$10.00} more per month for body ding & windshield protection without any deductables. 
I informed and showed dealer manager the policy being left in consol. I offered to meet bank and place any claims necessary. The mileage allowed for 3 yr lease waw 15,000 per year. 45,000 total. Turned in at 44,000 + but below 45,000. The bank arbitrarally billed me for 1 tire @ {$200.00} and a chip repair in windshield @ {$190.00} for total of {$390.00}. I sent a letter disputing these extra charges. Bank said I turned car in wrong and these extras were owed. Again, I disputed in writing. I guess wear & tear didn't matter because already I replaced 3 tires @ 35,000 +/- miles and 1 complete windshield with XXXX XXXX. Bank began to harrass me by turning to collection as unpaid payment due. I also disputed at collection leval. Bank wrote off loss and sold my account to collection firm. Ally Bank has ruined my credit causing my home refinance to be denied.
Product: Payday loan, title loan, or personal loan

I was approved for a pay day loan from OppsLoan in XXXX of this year for {$700.00}. I have already paid off this amount, but they inflated the total balance due, and keep calling me daily, and some times multiple times a day repeatedly. I feel that this is harassment, and should stop immediately.
Product: Credit card or prepaid card

Bank of America is not solving my problem, from last one week I am trying to file a fraudulent claim of {$410.00} which was charged on my card ending in XXXX on XX/XX/XXXX, I spoke with three different supervisors ( one was XXXX ) and with two others on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX respectiely. XXXX told me that this claim was filed, but it was never filed. Bank of America has very unprofessional, unfriendly staff. One supervisor says something and the other one says something else. 

Please solve my problem and ask Bank of America to give me a credit of the charge I never made. 

thanks
Product: Vehicle loan or lease

My mother and I have an auto loan from Santander Consumer USA for my XXXX XXXX XXXX. The interest rate is already insane and now they are charging me more. We are both out of work due to covid and we asked for a reprieve for a few months on our bill and since im a 1099 i dont qualify for unemployment and my mom has not received help yet either. So they moved our next payment to XX/XX/XXXX, which was supposed to be XXXX for the 3 months extension XXXX office told me. Anyway they are charging us {$15.00} a day interest that the loan is deferred!! How can they do that? Please have someone call me back XXXX
Product: Money transfer, virtual currency, or money service

This complaint is about Synchrony Bank DBA PayPal Credit. This is the " line of credit you esteblish when you open a PayPal account. I have had a PayPal account since XXXX, and have ALWAYS made either payments on time or paid off the full amount each month. I recently ( around the middle of XXXX XXXX requested AND RECEIVED a credit line increase to {$4000.00}. At the end of XXXX, i had a security issue with one of the cards attached to paypal credit ( nothing to do with paypal ) and i deleted that card. I also paid XXXX of my account off with the XXXX payment and had intended to pay it off in XXXX. When i was doing my taxes, i tried to use paypal to pay intuit. got an error message. when i logged into PayPal credit, i fund that my account had been closed!!! no notice! I called and talked to the customer rep ( who could do nothing except quote company policy ) and actually talked to some " account " rep at Synchrony bank whio said the same thing ... company policy. Today ( XX/XX/XXXX ) i get a letter XXXX dated XX/XX/XXXX ) that gives this reason. " activity on account with Synchrony Bank indicative of high risk of failure to pay ''.!!!!!!!
Product: Debt collection

I did have a loan with World Financial, but was paid in full by the XXXX XXXX XXXX XXXX XXXX XXXX Missouri ( loan was at the branch office in XXXX Missouri ), never took another one out from them, Have disputed it many times on XXXX XXXX, but they keep saying it was mine and and have even asked for copies on signed note which they have never showed me ( i am sure that it might of been taken out by my " '' EX " '' wife ) the amount is for {$750.00} and is showing taken out " '' AFTER " '' my devoice
Product: Debt collection

Hello just to let you know all this is a misunderstanding all this is not my debt I have a car XXXX under my name and I sold it ( I summited all paperwork on XXXX XXXX and I signed my bill of sale ( I done everything on my end ) but seems like for some reason this car was under my name still? 
I called many time but they keep asking me for the owners paperwork but since I sold the car already I did not have it also the car was sold by the XXXX and did " not received anything? 
and now I owe XXXX? 
this is not fair and I don't have the money to pay
Product: Money transfer, virtual currency, or money service

I am writing to formally expr my concerns regarding Zelles handling of disputes, particularly in the light of 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 transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit card

On XXXX XXXX 2016 I received a copy of my credit report. Upon review I noticed that Best Buy reported derogatory information to the credit bureau pertaining to an account that I was an authorized user - which is NOT true. I was NEVER to my knowledge an authorized user on this account and did not nor did I ever have a best buy credit card. I immediately contacted Best Buy and spoke to a customer Service representative by calling XXXX. I provided my SSN and was told that this account was held in the name of my mother and I was an authorized user. I requested that IMMEDIATELY my name be removed and the credit profile be updated. I never used this card and should not be held responsible for matters that I am not aware of. I was told that I should put my request in writing and fax to XXXX. I sent the fax as required to include my SSN, mailing address etc. Today I got a letter from XXXX stating that I had to provide the complete card number and a copy of the credit report. Please be advised that I have no idea what the XXXX digit card number therefore I am unable to provide this information.
Product: Money transfer, virtual currency, or money service

Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identity you and your account.

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer 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, 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: 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 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 XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub>XXXX XXXX XXXX  I mailed a dispute letter to TransUnion via XXXX XXXXXXXX XXXX ( tracking # XXXX ), requesting a detailed description of the reinvestigation procedures for disputed items on my credit report. I included all necessary documentation to verify my identity and address, including a copy of my photo ID, social security card, and a recent bill with my current address. 
On XXXX XXXX XXXX, I received a response from TransUnion stating : " We recently received a request that included your information, but it didnt appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we wont process requests unless they come directly from you or an authorized third party. '' This response is concerning because, as outlined in the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed items when a consumer submits a dispute, along with sufficient identification. By refusing to process my dispute, TransUnion has failed to fulfill its legal obligation under the FCRA. 
Furthermore, I have reviewed the most recent copy of my XXXX report, which does not list any XXXX Since XXXX is the primary furnisher of public record information used by credit bureaus to verify such data, this indicates that TransUnion can not verify the accuracy of the XXXX reporting on my credit report. 
I am including a copy of my original dispute letter, XXXX response, and the XXXX report for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

FEB DESTINY is in direct Consumer Law 15 USC 6802 ( a ) and 15 USC 6802 ( b ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.