23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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: Vehicle loan or lease

I paid off my vehicle, but the lien holder had the physical title and placed an electric lien on the title. I have spoken to a few representatives and requested they submit the request to remove the lien, but they insist their is not electronic lien. I then tried to provide the phone number provided by XXXX to them to verify but the stated they can not call a 3rd party. I requested to file a complaint, but have not hear anything back. They have advised they can only send me the payoff letter and I can take that to the XXXX, but they have already advise me they will not accept it and the request has to come from the bank directly and internally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a dispute in XXXX XXXX about XXXX Bankruptcies listed on my Equifax credit report. I received my results that they came back as verified. I am trying to figure out, how they were verified when they do not belong to me.
Product: Credit card

Midland Funding called a few times am a credit card account opened in my name.. I expressed I have no knowledge about this card.. After a while I noticed this account on my credit report and called and again let them know this is not mine. But since the amount was not big and this account is weighing on my credit report, I offered a settled for a removal.. Midland Funding declined numerous times.. I was informed that I could make a complaint, so I decided to do so. I also report them to the FTC.
Product: Credit reporting 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. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I was paying for an XXXX just someone to keep me company she had me pay an extra {$300.00} to ensure it was a safe XXXX  sounded legit I would get my refund back immediately on meeting the XXXX then came a long list of fees totaling almost {$800.00} reassuring me the entire time that all these are refundable I never got my money back at some point you have to stop giving them money I was just hoping that this criminal would keep his word her word I don't know finally the last straw was {$200.00} for a refund file I'm not XXXX I'm a software engineer at best it's a piece of paper like a receipt but still no intention paying it back
Product: Mortgage

URGENT! 
I want LoanCare to pay the HOA fees as agreed before I loose my home on XX/XX/XXXX due to a foreclosure sale. I received the following email on XX/XX/XXXX and I need clarification : Good Morning XXXX - The client has informed us that they will not be paying the outstanding HOA dues in the amount of $ XXXX on a $ XXXX loan. Also, the client is aware of the sale on XX/XX/XXXX, and are well aware that CA is not a super lien state. Thank you XXXX XXXX Mortgage Resolution Specialist- Default LC-Foreclosure Department LoanCare, XXXX O : XXXX F : XXXX XXXX : XXXXXXXXXXXX XXXX : www.myloancare.com A : XXXX , VA XXXX XXXX # XXXX I am NOT sure if there is a communication issue BUT I have sent the following emails as to my intentions last week and earlier today : XXXX Hello, Any updates on this matter? Also I explicitedly asked you all NOT to share my loan number and loan balance with the XXXX! Please let me know IF you will be paying the HOA fees. I mentioned several times that I will take care of the XXXX. I am only interested in the HOA fees being paid so this will stop the sale. However IF this is NOT feasible then I said to proceed with payment. I need your response before I loose my house. Thank you. XXXX XXXX XXXX XX/XX/XXXX Hello, Any updates on this matter? I was able to locate a statement from the XXXX XXXX HOA. The HOA stopped sending me statements years ago. I temporarily moved out of my townhome in XX/XX/XXXX and surprise I received 2 statements in the mail from the HOA a few weeks after I moved. One reflects a balance of {$6700.00} then a few days from that statement I received another statement reflecting {$20000.00}. The XXXX states I owe {$29000.00} in HOA fees through XX/XX/XXXX. The rest they are stating I owe to the XXXX : {$25000.00}. This is why I ask if you could please send a payment of the {$29000.00} to the XXXX XXXX HOA or even the {$31000.00} ( as per the Writ of Sale scheduled for XX/XX/XXXX )? XXXX XXXX Hopefully, LoanCare will be able to at least send me something in the mail that shows the HOA fees were paid in full and I will be able to appear on XX/XX/XXXX in the court to present that document to try to stop the sale? ******OR can you have some representatives from LOANCARE to be present at the sale on XX/XX/XXXX to issue this check to the HOA on that day to stop the sale of my townhome? ***** In summary I am asking for LoanCare to remit payment to the HOA ( XXXX XXXX ) in the amount of {$29000.00} or even in the amount of {$31000.00} ( per writ of sale ) to be on the safe side. Payment should be remitted to XXXX HOA c/o XXXX, CA XXXX. HOA ACCOUNT NUMBER : XXXX. Make check payable to XXXX XXXX. ( As I sent on XX/XX/XXXX in an attachment in an email to XXXX with Loan Care. Otherwise go ahead and proceed with the full payment of $ XXXX so the loan with stay in place and I wo n't become homeless next month.
Product: Checking or savings account

I have a checking account with PNC for 8 months and was charged {$25.00} in monthly fee to keep the account active. To save money, I contacted customer service to close my account. One of the requirement to close the account was to have a {$0.00} balance. A bill payment was initiated on XX/XX/XXXX to remove all available balance. On XX/XX/XXXX and for hte next 4 days, I contacted PNC via chat daily to request bank account closure. After getting a hold of someone, they advised me that the bill payment have to clear before I can request bank account closure. Bill payment cleared on XX/XX/XXXX and on the same day I was charged a $ XXXX  monthly fee resulting in a negative balance on the account. I contacted customer service again and they can not process account closure due to the {$25.00} negative account balance. A courtesy credit was requested twice but it was rejected by a live and chat associate because I am trying to terminate the relationship. 

PNC is making consumer jump through hoops to close an account and have deliberately put roadblock in place to lengthen the time they can charge monthly fee. I am concern the negative balance will result in an overdraft fee and subsequent interest charges will be added on top. I just want to close my account on XX/XX/XXXX and go to another financial institution that does not charge a $ XXXX  monthly fee and should not be penalize for doing so.
Product: Money transfer, virtual currency, or money service

I want to inform you of my concerns about my Zelle transactions this past year. I am not sure if Zelle is mishandling disputes or if they are completely clueless when it comes to transactions coming through bank accounts. My financial institution and Zelle failed to investigate my discrepancies and investigate my claims adequately. They informed me that they were recovering any losses on their part but that was it, nothing came from it. The CFPB findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system leaving us vulnerable to scams.
Product: Mortgage

In XX/XX/XXXX i purchased a home with a co borrower. The agent of the XXXX loan in XX/XX/XXXX told me my coborrower could not sale or borrow without my permission. In XX/XX/XXXX my coborrower took out a loan without my knowledge and/or permission. The agent for the XXXX loan knew i was a coborrower and the property owner because i met with him and the coborrower in the agents office. I refused to complete the loan. The agent research the records of dead found a deed with just the my exfiance name and gave him a loan. The exfiance took that loan to another organization and refinance with them. The exfiance foreclosed on the property living me no way to nogatioate with the XXXX lender. The XXXX lender has sent a copy of the deed to me on XXXX XXXX that is filed on XXXX XXXX telling my i need sign them. Now the XXXX lender is sending the same threats as the XXXX lender. That i need to sign this deed to correct an error on there part or there will be legal action. I am asking for help to resol e this issue of false deeds being used to aquire loans and take back the possession of my home. I was driving at the time i was told about this site. I have more forms and information to submit it was not with me.
Product: Credit card

Today XX/XX/year> at XXXX XXXX  I wanted to upgrade my Credit card to the higher tier Amex. I called in and spoke with XXXX. He informed me it would be XXXX miles to upgrade. I mentioned its XXXX miles if I open a new card. He said I could do that easily. However he then informed me I might not be eligible because I already have an Amex and the only way to know would be to apply. So I applied then mentioned I still do not know if I will get the bonus and I don't want to accept the new card as it carries a hefty fee. He went to get XXXX another worker. She then mentioned I would need to accept the card and actually open an account in order to see if I qualify for the points. I do not think this is right they kept dangling the carrot of points in front of me and can't even confrim that I would get them if I opened the account and kept telling me to accept the card and then I would know. So if I didn't get the card I would be on the hook for a hefty fee and a credit hit for nothing. feels bad and shady.
Product: Credit reporting or other personal consumer reports

XXXX states an account is mine but contacting them several times this year, I have found incorrect information. The address of the account is not mine and they illegally updated the address to my correct one. The address according to customer service that opened the card is in XXXX whereas I am in XXXX 

The credit reporting agencies are also reporting inconsistent data ( see attached ) and I have been working with them to get this removed as well and they refused. 

No one has sent proof outside of statements that show no signatures.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( 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, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting 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.

Account Name : XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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: Credit reporting or other personal consumer reports

This auto loan was charged off in XXXX and written off as a profit loss which I should have received the 1099C which eradicates the debt however they refuse to send me a 1099 form even though they have this as a written off account since XXXX this account was reporting to the credit bureaus since XXXX as a closed charged off account on XXXX XXXX XXXX XXXX told me that XXXX  XXXX XXXX removed the remark from closed and moved it to an open account which is not legal, this account is scheduled to fall off of my credit automatically on XX/XX/XXXX. This account has been closed for eight years. This account is reporting as a closed account to all other credit bureaus however now its reporting 77 current late payments. XXXX XXXX/Equifax is reporting it as an open account with 77 missed payments impacting my credit score severely. By law it states : In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date. 2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. A creditor can not treat a payment as late without complying with this section of the law! XXXX XXXX has written this off as a profit and loss write off over 7+ years but says i'm late on payments this by law is wrong! They can not provide the required documents stated by law for a late payment to be reported as " late '' In addition attached will be the dispute results which indicated the MAX delinquency DATE IS XX/XX/XXXX, HOW can you report late payments 6 years past the MAX delinquency date? This account was written off XXXX but you report late payments XXXX?
Product: Credit card or prepaid card

Hi, I closed my Barclays XXXX XXXX in XX/XX/2022 with a XXXX balance after several incorrect billing cycles ( where fees were assessed that should not have been ). They removed all fees, got my account to a XXXX balance, and told me they closed the account. However, I continue to get emails saying my account is " very '' past due and I need to take action immediately to pay the $ XXXX I owe ( all fees that have accrued since closing the account ). I have called several times about this, and they keep telling me that it's closed with a XXXX balance and to " ignore '' the messages because there's some computer glitch that is keeping my messages in a " loop. '' However, I'm tired of the messages and just received a message that my credit score has dropped XXXX points because I have this " past due '' balance. I've spent XXXX hours on the phone/on hold with Barclays since this XXXX and no one can figure out what's happening. They keep telling me it's fixed, but it never is. Please help! I need my credit score to be back where it was!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the consumer credit reporting agencies for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and my right to privacy. 

On XX/XX/22, I submitted a dispute to The 3 Major Credit reporting Agencies XXXX, XXXX, and Transunion regarding items on my credit report. I have attached the documents sent as proof! 
According to the FCRA, consumer credit reporting agencies are required to investigate disputes and respond within 30 days. However, They have failed to respond within this time frame, thereby violating my rights under the FCRA. 

Furthermore, I believe that the consumer credit reporting agencies have violated my right to privacy by reporting an account without my permission or written instructions. They did not provide me with any disclosures prior to reporting this account, which is also a violation of my rights under the FCRA. 

As a result of these violations, I have suffered significant harm to my credit standing and overall financial well-being. I request that the consumer credit reporting agencies be held accountable for their actions and that appropriate measures be taken to ensure that my rights are protected in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I am a creditor with several financial institutions where I can no longer afford to pay. I have a serious medical condition that causes me to lose work, and in some cases hospitalization is required. Accordingly, I have no choice but to cease monthly payments with these creditors that I am submitting my issues through the Consumer Financial Protection Bureau. I request a cease and desist on all telephone communications, and request any communications by mail only. I can submit medical proof of my condition if a settlement is offered. I am looking into filing a XXXX XXXX bankruptcy. Please cease all communications with any of my accounts. Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

I currently have a XXXX XXXX XXXX on a lease. I was trading the vehicle in for a XXXX XXXX XXXX. On the VW Credit website, I can receive a payoff quote that is good for 10 days. The payoff quote was {$27000.00}. I produced a digital copy for the XXXX dealer as well as showed the sales person the quote directly while finalizing the deal for the new car at the dealership. This was on XXXX. The quote expires on XXXX. 

Yesterday, the XXXX dealer notified me that the payoff quote from VW Credit was {$28000.00}. That is {$850.00} more than the quote I provided for the dealership. I went back to the VW Credit website again today, XXXX and the payoff quote is still the same as I quote the dealership on XXXX. I spoke with a VW Credit representative about the discrepency and she said the quote provided is for the customer. The dealership gets a completely different payoff quote and that quote is based on market value. I asked her that VW can bascially charge whatever it wants to the dealer regardless of what the contract says? She said yes. Furthermore, none of this is even written on the payoff quote webpage. 

I told her could you imagine if I sold my house and only owed $ XXXX but the bank holding the note felt it was really worth $ XXXX so that is the new outstanding payoff. Such a practice is illegal. At this point, I am returning the XXXX purchase back to the dealership.
Product: Credit reporting or other personal consumer reports

I have identified multiple items on my credit report that I do not recognize. It seems that my identity may have been stolen, as I never authorized these accounts. I previously raised this concern and am now requesting the immediate removal of these accounts from my report. The presence of these unauthorized accounts is causing me considerable distress, as they do not accurately represent my credit history or financial responsibility. Resolving this issue has been difficult, and if it remains unresolved, I am prepared to take legal action to protect my rights. These inaccuracies are severely affecting my ability to achieve important financial goals, such as buying a home and supporting my family. I urge you to address this matter promptly.
Product: Debt collection

CMRE is attempting to collect a debt from me that I do not owe. It took place from a boxing event I was part of, the injury was covered by insurance from the promoter-I have proof of the insurance waiver. I have disputed the debt and contacted the collection agency multiple times to remove it from my report-XXXX  and XXXX did XXXX XXXX XXXX has not.