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

XX/XX/2020 After recieveing another ATTEMPT TO COLLECT A DEBT LETTER dated XX/XX/2020 I called USAA Asking If the USAA Temporary Credits list as Adjustment Purchases What do Permanet Credits list as on my Statements? How will I recognize the {$4000.00} plus Temporary Credits Listed as Adjustment Purchases BE MADE PERMANET FOR THE IDENINITY THEFT ON MY ACCOUNT XXXX puts me on hold immeadetely after I waited 45 mins call is then dropped. I call back XXXX answers He is very annoyed with me calling I explain IF I WAS PROVIDED ACCESS ON LINE I would not need to call I ask WITH ADJUSTMENT PURCHASES BEING TEMPORARY USAA CREDITS What will the PERMANET USAA CREDITS list as SO I CAN FIND THEM ON MY STATEMENT XXXX answers he dies not know. I ask him to please find out He responds why You do not have an account with us. I ask Why are you harrassing me with attempts to collect? XXXX answers, I'm not trying to collect from you. XXXX 'S LAST RESPONCE YOU BETTER GET AN ATTORNEY. USAA has been sent the Ideninity Theft Report THEY ARE AWARE BUT IGNORE. USAA NEVER ANSWERS WITH ANY PROOF TEMPORARY CREDITS WERE EVER MADE PERMANET Showing on my statements as PERMANET CREDITS. USAA ALSO HAS COPY OF CRIMINAL INVESTIGATION MAIL FRAUD NO DELIVERIES MADE
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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  Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

Users kept sending me over to other people to send money to and I lost about XXXX $ dollars cause of this on that night and it really disappointed. I was told so many fees and just them being dishonest and unfaithful. I worked really hard for this money and Im XXXX years old and live in XXXX XXXX Michigan. Im doing my best to stay calm by that is a lot of money and its not in my possession anymore and not much my bank can do for me. I really appreciate if I could get some assistance and I could file more proof of what it was on my part and not satisfied. If there is any way to resolve this issue and getting a refund request or doing something to help prevent it from happening while getting back some funds for me.
Product: Credit reporting or other personal consumer reports

There is an account on my Equifax credit report that I have disputed several times, and they will not remove. The other two credit bureaus have removed this account with the evidence that I have provided. The amount is from XXXX and is for {$220.00}. There is actually another XXXX account on my report for {$280.00}. However, when I log into their app and when I call them on the phone, they tell me that I owe a completely different amount than either one the credit reports show. I have tried to contact XXXX via phone and email where I requested the status and where this dollar amount came from. The accounts are different across all three credit bureaus and no one can seem to give me an answer. Attached is the email that I sent to XXXX and the amount owed stated by their app.
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a Federally Protected consumer, I am opting out of any and all authorization. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. 

Any and all consent to XXXX, XXXX, ( XXXX XXXX - XXXX XXXX  ) ( Discover Personal Loan ) and ( XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX, Never informed me of my right to exercise my nondisclosure option. 

Privacy Act of 1974 ( 5 U.S. Code 552a ) - ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. 
Again they need prior written instruction of the individual to whom it relates. 

As stated before, I did not give XXXX XXXX, XXXX and Discovery Loan, XXXX, XXXX XXXX and XXXX XXXX for the record. 

15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX to my credit agencies ) is a financial institution by definition under that title. 

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

Twice when I applied for a refinance on my home I was contacted by a debt collector about some emergency balance supposedly from 8 years ago in a city I do not live anymore and it went to credit bureaus delaying my mortgage process. When I asked for for detail of charges I was provided a name like XXXX XXXX XXXX XXXX, I checked on line it does not exist. There was a lot of back and forth. I disputed and finally it got off my credit report. 
Couple months ago I had to apply for a mortgage as I was moving due to job change, another debt collector reached out with the same thing, same story they did not know where the debt was originated, they got it from previous collector. It went to my credit report I disputed it got off After couple more months third time same thing this time from dynamic recovery solutions as soon as I bought my new house. This time I did not bother with disputing etc.. just settled and paid some money I supposedly owed to a doctor I have not seen, in a city I was not 9 years ago. I hope that is the end of the story but I also hope you can do something about it so no one has to go through same thing
Product: Student loan

I filled out an application for the REPAYE program on XX/XX/2023. My application when into Administrative Forbearance. Then in XXXX my payments restarted at {$410.00} when my payment was only supposed to be {$100.00}. After calling I discovered that because I didn't pay {$5.00} I am now out {$300.00}. The form I filled out says " I request '' a reduced payment of {$5.00}. I never received a bill and have always been in autopay so I did not pay the {$5.00}. Subsequently my application did not go through and now I have to apply again. Mohela essentially stole {$300.00} from me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized inquiries listed on my credit report. These inquiries were made without my consent and are negatively impacting my credit score. Please investigate and remove these unauthorized inquiries from my credit report.
Product: Debt or credit management

I had contacted Helvey and Associates on XXXX after seeing their info reporting a collection on my credit report. 
When I contacted Helvey and Associates on XXXX I wanted to get this collection paid and set up a payment plan of {$100.00} a month until the collection amount would be paid in full and started the first payment with a debit card payment on XXXX for {$100.00}. Reference # XXXX I received a letter ( on XXXX ) dated XX/XX/year> showing a plan for XXXX payments of {$100.00} and a third payment for the remaining {$1100.00} balance. 

This was a recorded/documented call with Helvey and Associates Inc when a fraudulent/misleading payment plan was set up from Helvey and Associates Inc. which was not what I had set up and agreed to when I called Helvey and Associates Inc . 
I made calls on XXXX after I received the first letter in the mail. These calls were not answered by Helvey and Associates Inc. after long holds. 

I made calls XXXX and did get an answer at XXXX. 
When I spoke to XXXX on the call, she informed me that what was set up was the two- {$100.00} payment then the final balloon payment for the {$1100.00}. She informed me that this is actually the only type of payment plan offered in this scenario and that should have been explained when set up. XXXX also informed me that the plan can be re-evaluated if making XXXX payments etc. which was part of what they should explain when setting up plans. 

The First person setting up the plan kept this information hidden to receive a first payment then let the issue fall onto others when that time came. ( myself ).
Product: Credit card

In XX/XX/XXXX, I applied for a Double Cash Credit Card with Citi. At the time ( as is still ongoing ) there was an advertised sign up bonus on their website. It stated that new cardholders will receive the equivalent of {$200.00} in Thank You Points after spending {$1500.00} in six months. This bonus was advertised both on their website and third-party sites with no listed caveats beyond not having received the bonus on a Citi Double Cash account in the past. 

I applied and was approved for the card in late XXXX. I did not receive the initial card sent to me, so I called customer service who sent a replacement card in early XX/XX/XXXX. Once I received and activated the card and proceeded to spend the required amount to receive the sign up bonus in XX/XX/XXXX. 

After waiting two full statement periods, I noticed the promised bonus had not yet been applied to my account. I called customer service on XX/XX/XXXX to inquire as to I had not received the bonus. I was told " I was ineligible '' for the bonus. When I asked for more details as to why, I was not given an answer beyond my " not being eligible. '' I then asked to have my inquiry escalated and was told they would open a research case and update. me within 5 to 10 business days. 

After waiting considerable time without a response, I called Citi customer service XXXX XX/XX/XXXX. I was again told that they did not see my account was eligible for the bonus. I was able to provide " proof '' of the bonus, it could be applied to my account. However, no proof is available. I applied from the Citi website where the sign up bonus is publicly and widely advertised. My new account disclosures only contain information regarding interest rates and account terms. 

I feel that Citi is partaking in false advertising by refusing to provide the advertised bonus to all customers. This bonus is not targeted and has no limitations beyond what I stated earlier.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have live here for ove 10 years.The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX
Product: Vehicle loan or lease

Traded a vehicle that was financed thru TD Auto Finance on XX/XX/2020. The payoff check was received by TD Auto finance on XX/XX/XXXX. The payoff amount was overstated on the contract by {$10000.00} thus being an overage which TD Auto finance must pay back to either myself or the dealership. I was initially told by TD Auto finance that within 30 days I would receive the check for the overage. I waited and called after 30 days at which time I was told the check would be sent to the dealer where I traded my car and they would have to issue a check to me. TD Auto finance states that an internal request was sent to their accounts payable  department on XX/XX/XXXX to issue the overage check back to the dealer. The dealer and I have attempted to get an update each day since XX/XX/XXXX and have been told that it is waiting to be processed. My most recent call was today XX/XX/XXXX. The dealer is willing to cut a check back to me based on TD Auto finance acknowledging that a check has been cut and will be sent but they were unwilling to make that claim. The vehicle has been paid off since the XXXX of XXXX and they have been holding onto my {$10000.00} since that time. At this point I am concerned that TD Auto finance may be facing financial hardship and I will never see my money. Consumers incur credit rating repercussions if payments are 30 days late and it would be appreciated if the lender held themselves to an equal standard.
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 violates 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 Regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to report a serious issue with my credit report. An account that was previously opened using identity theft and subsequently deleted has reappeared on my credit report as of today, XX/XX/year>. 

This fraudulent account was not opened by me and is the result of identity theft. I had previously reported this to the credit bureaus and the account was removed. However, it has now been incorrectly added back to my credit report. 

The reappearance of this fraudulent account is causing significant damage to my credit score and financial standing. It is negatively impacting my ability to obtain credit, secure favorable interest rates, and may affect my employment prospects. 
I have already reported this identity theft to the police and have attached a copy of the police report to this complaint for your reference. 

I request immediate action to remove this fraudulent account from my credit report and to investigate why it was re-added after being deleted. Additionally, I seek assurance that this will not happen again in the future. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of this year 2022 Experian and XXXX credit bureaus has continued reporting inaccurate information on my credit profile. Experian continues to report that I owe XXXX XXXX a debt and balance of {$6000.00}, and XXXX continues to report that I have a debt and balance of {$6000.00} when it is not true or accurate. I sent the XXXX bureaus a copy of the letter XXXX XXXX sent me revealing that the account has finally been rightfully closed and that the balance is {$0.00}! That I owe nothing. I sent a copy of this information and letter to the bureaus. However, instead of the bureaus correcting the records, they ignored the information. Experian said they were reporting accurately and XXXX sent me a form letter questioning whether or not I drafted my dispute letter. They did not investigate my dispute. So, I have no alternative but to appeal to you to have my consumer rights protected. Please review this matter.
Product: Debt collection

Portfolio Recovery Associates, LLC refuses to remove a paid debt that was paid thru a Federal Bankruptcy Judge 's Order. I have notified them 3 times over the last year but they refuse to follow a judge 's order. A Civil Complaint by Portfolio Recovery Associates, LLC was dropped in the state I live in after I sent them a copy of the judge 's order but they still refuse to take it off my credit report over a year later. Portfolio Recovery Associates, LLC is putting intentional harm against me via reporting the Collections on my Credit Report. Portfolio Recovery Associates, LLC does not care about my rights and they should be reprimanded via their License! 

The Attorney Firm XXXX XXXX XXXX based out of XXXX Texas is also responsible for the harmful act of negligence. They have been contacted many times but refuse to follow a Federal Court Judge 's Order. They should be reprimanded by the Texas Bar Association and have a complaint notated on the Law License. They are trying to get paid twice for the same account which is illegal.
Product: Vehicle loan or lease

I purchase my vehicle in XXXX. In XXXX, XXXX and XXXX they didn't report anything to the credit bureaus until I filed a dispute. Each time they only reported some of the information to some of the credit bureaus and that was only after I filed the disputes. I spoke with the company and asked them to please provide information because it showed I had outstanding debt over XXXX XXXX Multiple people yelled at me. They said I was lying because they report to the credit bureau every month. After filing disputes the information was finally gathered and since the last dispute they change the information from the past from being negative to positive back to negative. Because of them doing this I am unable to refinance with another company because it has damaged my score so bad. I have bank statements showing every transaction and screenshots showing them going back-and-forth on my credit report changing months from current to delinquent.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Transunion was notified that I was a victim of identity theft and requested the block and removal of the unauthorized inquiries. Transunion has not blocked or removed these fraudulent inquiries. 

XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

# XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Payday loan, title loan, personal loan, or advance loan

We noticed on our credit reports that the information pertaining to the loan was incorrect. Payments had no been reported since XXXX of 2022 and our balance wasn't changing. Reached out to local and corporate branch and they insisted that they were reporting it sine we had never missed a payment. They balance over the phone was almost XXXX less than what is showing on credit reports
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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 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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am STILL fighting to get these charges off of my credit, that were removed and then they put them back on there. XXXX XXXX XXXX the Billing company for XXXX XXXX and XXXX XXXX. I have been trying too get the information from the claims that were billed to my insurance company, billed claims, denied claims, correspondence with my insurance company. XXXX can only provide the invoice from the collection account they " brought '' from XXXX XXXX  and when I attempt too contact XXXX XXXX  or XXXX XXXX both companies have been closed down permanently, due too lawsuits from fraudulent billing charges. I also checked the XXXX  all three companies XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX  have complaints for fraudulent billing practices. I feel these charges are a scam, especially since they can not provide any proof or even the dates that I supposively used their services. I have disputed and filed complaints on MULTIPLE OCCASIONS. Can someone check into these fraudulent companies with their fraudulent charges.