23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Iam writing to dispute certain disclosures not made by Experian regarding my credit report and I request documentation related to consent and opt out options, pursuant to the regulations specified in 15 u.s. code 1681a ( d ) ( 2 ) ( iii ) and 16 cfr part 313 I recently reviewed my credit report from Experian and noticed certain information that has been disclosed without my explicit consent pursuant to 15 u.s.code 1681a ( d ) ( 2 ) ( iii ) hard and soft inquiries for evidence by law I'm entitled to receive the forms where I can opt what I want disclosed on my report to better my report I never received any forms the whole period of time I be dealing with Experian enclosed with this report are images of my report showing the hard and soft inquiries showing the using of my credit if they can produce the proper forms with signature of mines to dispute my claim please do if not they broke the law I also request the opt out forms that the had supposed to deliver by duty and I would like all forms to be dated and signed with right days times and addresses. If they have this information and documents then they prove they wasn't negligent and unlawful because it is they lawful duty to disclose certain information to the consumer when using there information without my consent you have actually been stealing my identity and using it at will and because of you negligence I have received tremendous damages to my reputation any way of living because of your negligence I was denied and embarrassed on numerous occasions and for all of the denials I did not have the security I needed to adjust to the changes in everyday life which caused affects of homelessness and much more for your negligence I would like to be compensated unless further proving different
Product: Credit card

I signed up for an American Express XXXX credit card with an awards points offer. I met the spend limit but my awards points are " locked '' because my account is under review per the awards team members I have spoken with. They told me my points could be locked for XXXX8 weeks during the review. I am trying to use XXXX of the XXXX points I have to book travel with my family. I do n't understand why it would take XXXX8 weeks to verify my spend on the card. They do n't expect me to take XXXX8 weeks to verify the charges and make payment when they send me a statement. 
When I called to talk with American Express about this issue they told me that 's just the way it is and there was no one I could talk to about it.
Product: Bank account or service

I called the Bank of America customer service phone number two days before a transaction took place explaining that they must lock the transaction I called the bank two days before a transaction took place explaining that they must block the transaction and that It would be an error and the third-party XXXX XXXX XXXX agreed. I even spoke to the supervisor explaining can not let the transaction take place if it was the pass again and usually my count is never over drawn to the success and two days later it was in the amount of at least {$470.00}. It 's took place on a day that I really needed access my fun and causing great hardship not to mention be from both Bank of America themselves and other bank branches and Bank of America said they were unwilling to waive the late fee and he said enrolled me in a program that I did not agree to which has caused me receiving more late it 's took place on a day that I really needed access my fun and causing great hardship not to mention be from both Bank of America themselves and other bank branches and Bank of America said they were unwilling to waive the late fee and he said enrolled me in a program that I did fees returned items. Their business practices are unscrupulous and they do not explain anything fully before they do it and they are committing fraud. They are not telling me XXXX on the online website XXXX my mobile app in my account balance will not cover certain transactions until after they post the returned item Fees. They are charging me repeated excessive {$35.00} each
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error I demand the following accounts be verified or removed immediately. 
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 XXXXXXXX  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 there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX please update all payment, all payment was made on time XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
15. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 
* Please add a Promotional Suppression to my credit file. 
* Please remove all non-account holding inquiries over 30 days old.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies are providing secondary information on my behalf without my permission. 

I want to opt out because I never opted in Ive Never given them permission to report on my behalf P.S. most of my information given from the third and second parties are Unverifiable. 

on top of that the amount of Inaccuracies in my report is outrageous and needs to be address immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has reported my account 30 days behind in XX/XX/2020,XX/XX/2020 and XX/XX/2020. This information is incorrect. This account was paid off by XXXX and I have the letter confirming. The company took extra money from me in the amount of {$1000.00}. I have asked this company to remove the late payments because I have always paid this account on time and they were determined to ruin my credit and report incorrect late payments. Then after they told me they'd be willing to give me a loan for another car. They have damaged my credit health and it has costed me more money and higher interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello my name is XXXXXXXX XXXX XXXXXXXX XXXX I want to report that TransUnion is reporting things like incorrect credit card balances incorrect credit score report on TransUnion page what monthly payment TransUnion is supposed to report on my credit report correct things correct balances and correct score This is not the case. Wrong payment history. There are many things that are not transparent in my report. I want it to be investigated.
Product: Consumer Loan

TD BANK, XXXX ( TD AUTO FINANCE ). TD BANK WAS PAID OFF ON XXXX/XXXX/2016 BY XXXX XXXX XXXX XXXXXXXX. FOR THE AMOUNT OF {$19000.00}. THIS WAS TO COVER THE PAYOFF OF MY AUTO LOAN ( PAYOFF {$19000.00} ). THEY DID NOT CASH THE CHECK TILL XXXX/XXXX/2016. I HAVE CALLED THREE TIMES & THEY TOLD ME THEY WOULD MAIL OUT MY CHECK FOR {$230.00} ON XXXX/XXXX/2016. I CALLED AGAIN ON XXXX/XXXX/2016 & WAS TOLD I SHOULD GET MY CHECK BY THE 2ND WEEK XX/XX/XXXX. 
I BELIEVE THEY ARE HOLDING MY PAYOFF TOO LONG, DO I HAVE ANY RECOURSE??
Product: Checking or savings account

Hi, I used to have a joint account with XXXX XXXX and didn't get to use it much but after moving to a new apartment, I noticed that the account has been closed due to negative balance. I do lot recall using that scout for anything, so I called the customer service abs went over the detail. She told me that the fund in the account was low but still positive, but the scheduled maintenance fee kicked in and after that, the account went negative and triggered fee daily for a month or so.
Product: Credit card or prepaid card

I have made payment arrangements yet they have called my parents home 3 times harassing them and leaving messages. They have not contacted me once. They should not be calling my parents and harassing them. I even have made payment arrangements already with Bank of America
Product: Money transfer, virtual currency, or money service

I opened a business bank account with Venmo ( a new feature ). The first issue I had was a glitch in their system that made it difficult for donors to search for our business by name. We were told to leave off the " @ '' or not use the capital letters in the name. It was resolved, but not without loss of revenue. 

They were also very unclear when we set up the account about the 2 % charge we would incur from deposits after the 30-day trial, so for every donor who sent in {$100.00} late in our fundraising, we lost {$2.00} in fees. 

My most recent, more serious problem, is that I'm not able to pay vendors through my account due to what they're calling a " security breach. '' There was no notification of a possible risk, just a message when I attempted to pay that Venmo had lost contact with my bank and I could resolve it by logging into my bank. I followed those instructions, but it did not resolve the issue. It simply looped back into the same message. I contacted customer service to see why it wasn't working, and was informed via chat about the potential security issue which they were not able to override. The agent was not able to tell me anything about the issue, why it cut off my funds, or how I could fix it. I had to ask three times for a supervisor to help, at which time she said she'd escalate the issue and I'd hear back in an email. The issue has been ongoing for at least five days ( the night of our event I was unable to pay vendors ), and there does not appear to be a resolution. I have been inconvenienced and embarrassed by a financial institution that I placed my trust in to operate my business, and evidently they are not capable of resolving it. I will be closing my business bank account as soon as my funds have been transferred to my bank, and I do not recommend opening up a business account with Venmo unless and until they work out their very egregious kinks.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing a section of my credit file related to fraudulent activity. There are still items that should be deleted. Under FCRA Section 605, you are required to remove any inaccurate records. I have already included this documentation in a previous letter, and I am resubmitting it for your reference. My attorney is aware of my intentions, and they are prepared to hold you accountable for continued non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7300.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$5000.00} XXXX  XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

We have received XXXX checks from an insurance claim dated XXXX/XXXX/16. The first XXXX checks were endorsed without issue and the repairs commenced on our home. The XXXX check was the result of a settlement between us and the insurance company. Wells Fargo refused to endorse this final amount and has since held the funds in escrow despite our repeated documentation that this final settlement contains portions of personal property and costs incurred, which the mortgage company should not hold in escrow but return to us. Wells Fargo is refusing to do so until an inspection takes place despite documentation of Certificates of Completion from the City of XXXX for work requiring permitting, detailed documentation from our lawyer, a settlement agreement, and several requests in writing directing the personal property portion be returned. Wells Fargo keeps us on the phone for hours with Tier XXXX CSR 's until no effectual resolution is reached.
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned with the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements, and the representatives you spoke with who verified it WITH AN affidavit if the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware that under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE an acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below This account should not reflect as negative : XXXX. XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. REMOVE the late payments on my payment history ASAP.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block Inc ) due to inadequate customer service and unfair practices, which violate The Consumer Financial Protection Act ( CFPA ), Specifically Cash App failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolutions 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: Vehicle loan or lease

We contacted LendMark Financial to get payoff at the time the dashboard showed a balance of {$5000.00}. 

The customer service representative told us the payoff as of Friday XX/XX/XXXX Is {$5100.00}. So, on Friday XX/XX/XXXX I purchased a cashiers check in the amount Of {$5100.00} and we personally went to LendMark Financial XXXX, NC and paid off the vehicle on Friday XX/XX/XXXX. 

As of XX/XX/XXXX we still haven't received the title to our XXXX XXXX XXXX XXXX truck from LendMark Financial. 

We also contacted XXXX on XX/XX/XXXX Which we were told they haven't received a lien release from LendMark, and that it still shows LendMark Financial as the lienholder.

We paid off this account in full. LendMark needs to release the title. LendMark also told us if we payoff with a cashiers check it will speed up the electronic release of our title. Otherwise it could take ten days or longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company did not follow proper procedures in accordance Under the laws of the State of Florida XXXX XXXX Therefore this account XXXX  : XXXX was deleted from my XXXX & XXXX Credit Report. But is still reporting to my transunion report. They are violating my rights. Please remove this account from my credit report immediately.
Product: Credit card or prepaid card

On XX/XX/XXXX I sent a letter by Comenity Capital Bank that my limit was decreased. I have been a loyal customer to this card for over four years. They have done this to me twice. I have been good with my payments and haven't missed one in years. I pay more than the minimum limit and again they have done this to me twice. My score is low due to my wife being sick and our limits going up on my cards. However these people lowered my limit which means they are basically kicking me when I am down. I called today and they give me XXXX  number... basically " shooing '' me away. I have not been neglectful to this bill and I have been on time with my payments. I just want to be treated fairly and this is the only card that has done this to me.
Product: Vehicle loan or lease

Nissan Motor Acceptance Corporation LLC engaged a third-party agent to repossess the vehicle in question despite the ongoing arbitration process between myself, the consumer, and Nissan Motor Acceptance Corporation LLC . I have made full payment to NMAC, which they have unreasonably refused to accept, disregarding the draft. XXXX XXXX and XXXX XXXX. I want to assert that I did not authorize the involvement of XXXX XXXX and XXXX XXXX or XXXX XXXX XXXX in the repossession process, as there is no contractual agreement in place permitting repossession by NMAC due to a unilateral error on their part. All three companies have caused harm and Breeched the peace/Trust by Corporate theft and are now subject to the schedule A documents located in the claim
Product: Debt collection

I had debt through XXXX XXXX  that was passed on to Stephen einstein & associates law firm. Now fast forward to the date of XX/XX/2019 I received notification from my payroll that a garnishment has started coming from XXXX XXXX through Stephen Einstein & associates law firm. I reached out to the law firm via telephone on the same date and spoke to a person by the name of XXXX XXXX who became very rude and placed me on numerous holds throughout the call because he felt as I quote " if you are not going to let me talk I am just going to put you on hold '' to try and find out where was there notification being sent out to my address about this judgment against me and possible garnishment. He stated that it was sent to an address which i have no knowledge of and was not my address. He then stated that the process had already started that there was very little I could do and they got and i can send in a paystub now to them to see if they could lower the garnishment payments. Proper action wasn't taken by this law firm to even reach out to me the person about the debt, judgement, and garnishment that would start.
Product: Student loan

I am a  XXXX   year old s ingle mother of  XXXX  trying to repay my {$72000.00} student loan since  XXXX . Over the years I received deferrments and have been on the income based plan, which made my payments affordable. My payments were $ 1 XXXX /month on the  Income-Based Plan.  In  XXXX  I receive d a Parent Plus Loan for my daughter 's college in the amount of {$18000.00}. When my daughter grad uated, in  XXXX , it was time to repay th e Plus Loan at $  XXXX /month. I spoke to various representatives trying to find the best way possible to afford these payments. They suggested I  consolidate the  XXXX  loans and have only 1 monthly payment and my payments would probably be close to the same under th e Income-Based Plan. I applied, it processed, and then I received a monthly statement for {$670.00}. When I was finally able to reach someone, they informed me that you ca n't have an Income-Based Plan with a Plus Loan and it was too late to change the loan. I spoke with a manager, who offered no other options. As a single moth er with  XXXX  kids still at home, I ca n't make this payment without selling my home. To make matters worse, the stress and anxiety related to my financial situation has caused me physical problems. I ended up in the hospital and I am now on medical leave with no pay. I do n't know what to do. Every time I call it seems no one knows whats going on and it is very disorganized. Any help would be appreciated. Thank you.
Product: Debt collection

Received recurring phone calls from a company by the name of Oracle Financial Group claiming fraud concerning an XXXX XXXX XXXX account. First couple of calls were from New York. The last 20 calls have been from an unknown number. 
This message is intended for XXXX. My name is XXXX XXXX I'm contacting you in regards to paperwork I received in my office in regards to a pending allegation. Please appear to be originating in your local jurisdiction. simply (? ) getting you in a possible claim of fraud concerning XXXX XXXX XXXX account. This matter is directly affiliated with your name date of birth as well. 

Gave the phone number to call back : XXXX