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

When I investigated my credit report, I realized that some of the information was erroneous. TransUnion is required to authenticate this items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

Let me say first that I have already checked and AM COMPLETELY ELIGIBLE FOR THE HARP LOAN PROGRAM.   With that said : I was looking for information on the HARP loan program. I was on an advertisemtment page this page :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   reading information about HARP. The link on this page took me to this page :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   The HARP Program is being used to BAIT PEOPLE where their true motive is to write VA loans.   This advertisement is both misleading and  FALSE ADVERTISING. I n addition they used my information to do a HARD inquirey on my credit record. I ONLY authorized them to do a soft pull for purposes of using the information for HARP.
Product: Credit reporting, credit repair services, or other personal consumer reports

have noticed Apple Goldman Sachs reporting a debt that I never contracted or agreed to pay. They have reported negative and defaming information beginning XX/XX/2021 on my credit report. They have never given sufficient information to me in order validate this late payment. I disagree with their actions. I challenge the accuracy and integrity of this information. 12 CFR 1022.41 ( a ) Accuracymeans that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

( d ) Integritymeans that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( ii ) Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part.
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried reaching out to this bureau several times about accounts that do not belong to me. this information is fraud and i want it investigated and removed from my credit report!!
Product: Debt collection

I view my credit report on a month to month bases and since XX/XX/2016 I noticed that First Financial has been reporting to the credit bureaus for an alleged amount owed of {$420.00} without any notification. First Financial did not send any written notification/statements via mail or any communication at all. Since XX/XX/2016 I 've sent numerous of validation disputes on a month to month bases only to be ignored. I understand that this is a violation of the HIPPA law to forward information to third parties without authorization as well as a violation of FCRA for refusing to validate upon request.
Product: Debt collection

On XX/XX/2022, I sent First Federal Credit Control a certified letter requesting debt validation on an alleged debt they added to my credit reports without sending me a dunning letter. They ignored my request and continue to report this alleged debt to the credit reporting agencies. 

I am demanding that they delete this account from my credit report.
Product: Credit card or prepaid card

I've been a loyal customer of Chase for years and with the recent pandemic, my business slowed. I was charged a {$95.00} annual fee for a card I have not used in a while and trying not to as I navigate the COVID environment business wise and the loss of business income. I asked for a courtesy waive of the yearly fee as I've always maintained my accounts in good standing and the agent rudely declined. I felt that not only was she not able to resolve my concern but was very rude in my interaction. 

I am requesting for a review a waive of the annual fee for this year.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. Can you review the records, please? Some of the enumerated entries are flawed concerning their reporting, with inaccuracies in amounts and dates.
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 their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as the did not comply with error resolution requirements under the Electronic Find Transfer Act 9EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

I had requested to close this account late last year. I assumed it was closed as per my conversation with the agent. Only to find that they had charged an Annual Membership Fee of {$39.00} on XX/XX/year>, after this agreement. This card has been inactive for years. No charges have been made for years. And I had thought my contacting an agent to confirm I wanted to cancel this card would be sufficient. However now I find that not only am I being charged for the Membership Fee, that is has also gained late fees and is being reported to the credit bureau, affecting my credit score and my ability to purchase a home. This is unbelievably unfair. It is deceptive. There is no principle balance to be collected. There have been no charges. I need help remedying this situation so that this does not prevent me from buying a new home.
Product: Credit card

An authorized hard credit pull was done under my name and social security number with the following companies : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX. I've called every XXXX of these lenders to request the documentation that they had that showed that I authorized the hard credit pull that occurred on XXXX. None of these lenders were able to provide me with documentation saying I approved this hard credit inquiry pull. XXXX XXXX XXXX XXXX that they saw an application and would proceed with a dispute. XXXX XXXX and XXXX on behalf XXXX XXXX stated that they did not have an application on file for me under my social security number even though it is currently showing on my credit report with XXXX as XXXX. XXXX has requested in order for me to remove these fraudulent hard credit pulls off my credit report I'd have to mail in documents from the FTC and CFPB for them to do the investigation. I'd also like to point out that these hackers even went as far as to create an online account with XXXX using my name and social security number so that when I tried to create an account under my social security number it was already attached to an email and phone number that HAD NO ASSOCIATION with me what so ever! Thankfully XXXX deleted the account and now I am taking all steps to secure my identity.
Product: Checking or savings account

On XX/XX/XXXX I deposited {$3.00} into my First Horizon checkings account, then on XX/XX/XXXX I deposited {$100.00}. Both deposits were cash and were deposited using the branches ATM. On XX/XX/XXXX I transferred {$100.00} to my XXXX XXXXXXXX checkings account using XXXX. On XX/XX/XXXX it was posted I deposited {$100.00} which meant I had {$100.00} total in my account. I check my account a few days later since I was planning on depositing more cash and it showed I had a - {$35.00} balance due to an overdraft fee. I then check my posted transactions and see it says I deposited the {$100.00} on XX/XX/XXXX instead of XX/XX/XXXX. This is the reason I was charged the fee since the system claims I put my account into a - {$100.00} balance before depositing the {$100.00}. This isnt true, I transferred the money AFTER depositing the {$100.00} which was posted for the XXXX at the time of transfer. The thing that really gets me is you can not put your account into a negative balance by transfer money with XXXX, the amount youre transferring has to be posted as your active balance for the transfer to go through. I have used my First Horizons checking for nearly a year as a way to deposit cash and have never had a issue until now. I spoke to someone at the branch and they made multiple different excuses throughout our interaction as to how its my fault I received the fee or how there was a error made on XXXX end. Never admitting First Horizon is at fault and made the error. In the end they said they can not refund me the fee and I feel I need to seek further advice and assistance for this issue. The attached images below show my posted transactions for my account along with pictures showing I went to first horizon on the XXXX but never did on the XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I received an email from PayPal that stated I can no longer do business with PayPal due to PayPal 's Acceptable Use Policy. That my PayPal account has been permanently limited and my funds in my PayPal balance is on hold up to 180 days. 

I was in shock and flabbergasted and thought the PayPal email was a phishing scam email. So I logged into my PayPal account to check and my account was terminated and I could not transfer my {$2200.00} funds from my available balance. 

I contacted on XX/XX/2022 PayPal customer service to get my PayPal account re-activated since I gave PayPal the benefit of the doubt that they made a mistake. I have been doing business with PayPal for many years since XXXX and PayPal were together. But to know avail PayPal sent me an email back informing me that my PayPal account will remain permanently limited. 

PayPal unlawfully seized my money without informing me of any prior notice of the reasons behind the account freeze. PayPal gave no information how and when my money will be returned to me. I have not committed any illegal activities using PayPal. I sell online my used personal belongings that are all legal, which customers/buyers for some items paid at checkout using PayPal. PayPal can not seize my legal money that would be theft and an illegal crime punishable by law.
Product: Student loan

I swear that I completed the income based repayment recertification back on XX/XX/XXXX, approximately 30 days after XXXX notified me of my program ending unless I renewed. I didn't receive another notification from XXXX until XX/XX/XXXX that my program has changed. I had just spoken with a XXXX representative the previous day on XX/XX/XXXX regarding my public service forgiveness not having the correct number of payments, which the person never mentioned that my recertification documents were never received. 

Now, XXXX has capitalized approximatley $ 45K of interest and say there is nothing they can do and direct debited a payment of {$2700.00}, which normally is aroudn {$1200.00}. They said I can unauthorize the charge and do forebearance for 30 days, but lose that payment toward PSLF and there is nothing that can be done on the interest capitalization.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I opened an investigation to dispute unverified collection accounts reporting on my credit report with the Experian credit bureau. I disputed XXXX XXXX ( account # XXXX ), XXXX XXXX ( account # XXXX ), and XXXX XXXX XXXX account # : XXXX ). I Mail a request for validation to the 3 collection agencies and received nothing from them. I also sent a second validation letter in XXXX and received nothing from the XXXX Collection. XX/XX/2020 I disputed the XXXX collections with Experian again because the account was deemed verified in XXXX and I receive nothing in the mail about the dispute results or the investigation being open. a second time I received nothing from experien in XXXX about the dispute results or that they even started an investigation and I received nothing from the 3 collection agencies after sending a second validation!. So how is it that Experian was able to verify these accounts? contacting the cfpb to see if they can get Experian to do a thorough investigation and remove the 3 collection account if they are not verified. Thanks
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that there were inaccurate account ( s ) on my credit report Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 

In accordance with the Fair Credit Reporting act XXXX has violated my rights. 

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
Product: Consumer Loan

I opened an account with Fifth Third through a car dealership when purchasing a car in XXXX. They did not allow online payments, or balance updates at that time. They only sent a paper " coupon book '' which I was supposed to use to make check payments on my own. In the interest of insuring the loan was paid on time and consistently, I instead set up automatic bill payments through my own bank. For two years, I did this without any problems, but I never heard from Fifth Third with any updates. 
After I moved to XXXX, I called several times to request a proof of title so I could renew my car registration in a new state. Every representative I spoke with assured me that they would have the proof of title mailed, but weeks went by and I never received it. Finally, on the third try, I received the proof of title. But the DMV said I also required a letter stating that I had the lien holder 's permission to register in XXXX. So I called again, and this time ( for the first time ) the rep said I had to go through an external site called XXXX. This extremely dodgy looking website is apparently utilized by several lenders, but it charges an additional fee of up to {$50.00} and takes 15-20 business days to process requests. Even though this seems like an extremely steep price for a simple letter, I would have gone through the site as requested if they had only told me about it two months prior. 
Also, to make matters more confusing and disturbing, there is no mention whatsoever on Fifth Third 's website of My Title Support 's service. So I basically just have to trust the phone rep who told me that is the only way, instead of the other three who never mentioned it before. 
I will be refinancing with another company as soon as possible, because I will not deal with Fifth Third anymore.
Product: Credit reporting or other personal consumer reports

I have never requested an account with your company. Please remove all unauthorized inquiries from my credit report. 

Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX, XXXX and XXXX credit report. My latest credit report shows credit inquiries that I did not authorize. 

I am writing to dispute the following inquiries and ask for their removal from my credit report. Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance.
Product: Debt collection

I have tried to call multiple times over the past several months and get this debt resolved with the collection company. I didn't receive notice from the company that I owed them money. I would like a copy of the original contract with the original billing company. I have disputed the account after multiple failed attempts to contact the company to no resolve. I would like the entire account removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to contact Experian to establish a credit freeze for my incapacitated mother-in-law. This will, I assume, require identifying her power-of-attorney along with other pertinent information. Their website did not address the process for doing this, so I tried for hours to contact a live customer service representative who I could speak with to address my particular issue. I was never able to actually speak with anyone, despite multiple attempts. I may, however, have inadvertently put a freeze on my credit as I navigated the " maze '' of their automated call system. I have written Experian a letter to send through USPS that, hopefully, will get my question answered, albeit much later than I had hoped. Hopefully, my mother-in-law 's credit will not be compromised in the meantime. The concern I am addressing to you is, if I can't actually contact Experian, except for their regimented call service which will not address individual circumstances, how can I be sure that if I place a freeze on my, or any other, credit account I will be able to lift the freeze in a timely manner? I imagine Experian can afford to address this problem, but it may take your " weight '' to make them.

Thank you for providing a resource that supports individual citizens. XX/XX/2022.
Product: Credit card

Old Navy has listed XXXX accounts XXXX closed due to a lost card and the other XXXX claims that I am authorized user but that comes from a previous relationship asked to have both removed and nothing has been done.
Product: Bank account or service

Out of no where JCPenney has lowered my credit this is the second time happened and I been with JCP for over 3 years. At first I started with XXXX dollar credit then it it increased up to XXXX and then up to XXXX and few months ago up to now supposed to be XXXX. I Called and asked and was told it was a random audit then spooked to the Supervisor who said it was something on my credit that is why Synchrony Bank determined this. Next I spoke with the MOD who said sorry there is nothing can do for you I am the highest person you can talk to and I am going to know disconnect the call. 
I have always made my payments on time and gone above and beyond monthly payment amounts and keeping account in good status. As with my credit since I was approved for the last XXXX have not made any changes to my credit report and feel they should not base out credit history with out side sources when I been clearly a good, faithful and loyal member to jcp and to now treat me this way am no longer happy with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts I have listed below XXXX XXXX XXXXMy rights have been violated in accordance with the Fair Credit Reporting Act. 15USC 1681 SECTION 602 A. 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 an 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 any purpose.

15 U.S.C. 1681a ( 2 ) ( A ) ( I ) Exclusions. The term " consumer report '' does not include any report containing information solely as to transactions ( payments are transactions ) or experiences between the consumer and the person making the report; Please update account to paid as agreed and ok on credit file.
Product: Credit card or prepaid card

I disputed a charge with the credit card company " CareCredit '', for services not rendered or given as described. The clinic I used my " care credit card " at is a scam, they did not do what I paid for and I now have to get XXXX  XXXX to repair what they attempted to do, I am still out of work for something that was suppose to be 24 hour downtime! I have had to seek on going medical care and will need 2 more surgeries just to get back to normal and go back to work. I sent in a dispute to " CareCredit '' with of the documentation and photos of the fraud the clinic is on 5 seperate days.Care Credit did not notify me of the outcome of my dispute! The have closed my account and I had to call and see what was going on they couldn't even tell me! They said " It looks like your dispute was ruled in the mechants favor on XX/XX/XXXX because we could not decide '' I was never informed of this, secondly if CareCredit could not decide then why am I stuck paying a bill that I didn't not get the services I paid for as they were described and now have to see additional doctors and additional medical expenses? On top of all of this my account has been closed! No one at synchrony Bank or CareCredit could tell me what happened to my account, I have been dealing with the for 3 days trying to get this resolved, I am unable to make a payment or view my account online and they have instructed me to " just open another account '' so unprofessional! I have had this account for several years and never so much as missed a payment!!! And last but not least there's no way they could have reviewed the documentation and proof I sent in to back my dispute claim because they ruled on the merchants behalf before all the proof was even sent!!!
Product: Credit card or prepaid card

I sent a bill pay of XXXX on XX/XX/XXXX through my bank - XXXX XXXX to cabelas MasterCard XXXX in Nebraska. 
I called cabelas as it was not showing as paid. They said they never received it. 
So I called my bank at XXXX XXXX. XXXX XXXX showed me how to get proof of payment. The same day I uploaded to their secure site the proof of payment. While discussing it was noted it went to the old credit card number for payment and I updated to the new. But cabelas was aware it was sent bill pay electronic and was sent using previous credit card number. Which I did not keep but they had. 
XXXX credited my account XXXX for the XXXX while they investigated. On XX/XX/XXXX there was a credit and debit for this amount. On XX/XX/XXXX they removed the credit for my payment. On XX/XX/XXXX I noticed my payment was removed called to ask where my payment went. They said they couldnt find it and were very rude. Said they wont give me credit for my payment. 
I called XXXX XXXX and they started the process to find out who at cabelas signed for the electronic check. XXXX XXXX said if they cashed the money Cabelas will have to give it to me. But cabelas is NOT giving me my payment. 
I am now out XXXX and cabelas refused to find my payment of which I have proof it was electronically sent via bill pay to them. 
So essentially they stole my money If they are doing this to me how many others?