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

Experian is trying to falsely valid fraudulent accounts that have been removed by XXXX and XXXX & closed by companies in question. Ive contacted Experian multiple times within the last month in regard to this issue. XXXX XXXX XXXX have already removed these accounts in compliance with my complaint. 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer report- ing agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and 30 ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the fur- nisher of information identified by the consumer under subsection ( a ) -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

Included : Identity ( Drivers License And Social Security Card ), Bank Statement, Identity Theft Report ( 2 ), Dispute Letters ( 3 ), Notice of Furnisher, Proof that these accounts were removed by XXXX and XXXX Inlcuding Report Number from CFPB ) REMOVE WITHIN XXXX DAYS OF RECEIPT OF THIS COMPLAINT! ( XXXX ATTEMPT ON RECORD )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXXXXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, US Dept of ED Account # XXXX, and US Dept of ED Account XXXX XXXX has violated my rights. 

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 have noticed that XXXX XXXX XXXX have placed an inquiry on my XXXX and TRANSUNION credit file dated XX/XX/2020. On multiple occasions I requested XXXX XXXXXXXX XXXX, XXXX and TRANSUNION to verify these inquiries. They have yet to do so.
Product: Payday loan, title loan, or personal loan

In XXXX, I worked with an account resolution XXXX named XXXX with Advance Financial ( af247.com ) to resolve a debt that was growing exponentially due to the high interest. The account had grown to incur a payment amount that I could no longer keep up with. XXXX stopped the interest accrual, waived a large portion of the previously accrued interest and put me on a repayment plan which would settle the loan in full. At the end of the repayment plan we agreed on, I asked for a statement showing that the loan had been settled in full. I have an email from XXXX from XX/XX/XXXX stating the loan number and that the message serves to confirm the loan had been settled in full. In XX/XX/XXXX, I started receiving phone calls and mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that Advance Financial sold the account to them for collections for an amount of {$2600.00}. This is not the first time Advance Financial sold the account to another collections agency. I don't have the details but I had to work to clear up the matter with another collections agency a few years ago. 
This time, the collections agency does not acknowledge the proof I sent them that the debt was settled in full. I copied XXXX with the original email from XXXX and also asked them to recall their part in the collection efforts.
Product: Debt collection

Original owner of debt was XXXX XXXX. This debt was settled on XX/XX/XXXX with XXXX XXXX a collector who accepted the settlement agreement and I honored it by paying {$740.00} to satisfy the account. I then received a notice from XXXX XXXX XXXX in XX/XX/XXXX where they tried to collect on the {$490.00} even though this amount can no longer be collected on. I provided them my proof of settlement and they removed the collections account from my credit report. It appears Transworld Systems Inc bought this settled debt is trying to collect on it again. I provided the proof of settlement and they refuse to remove from my credit report.
Product: Debt collection

Portfolio Recovery Associates LLC ( PRA ) has intentionally reaged two separate debts alleged owed on my personal consumer credit report in violation of both California 's Rosenthal Act ( I am a resident of XX/XX/XXXX), and the Fair Debt Collection Practices Act ( FDCPA ). As a debt collector, XXXX knows the laws that govern them in their attempts to collect alleged debts. XXXX has intentionally provided inaccurate information regarding these alleged debts to Credit Reporting Agencies ( CRA ) in an attempt to cause personal harm to me. By reaging the alleged debt intentionally CRA has knowingly violated the laws governing them. 

I believe if XXXX is knowingly violating the laws governing them regarding the alleged debt they claim I owe, then XXXX is most likely knowingly violating the law in their attempts to collect debts from other individuals, both in CA and in the United States as a whole by reaging consumer debt with the intent to harm each consumer.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Acct ( XXXX XXXX XXXX ) # XXXX. Balance {$4.00} and XXXX XXXX XXXX # XXXX. Balance XXXX ; has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

On XX/XX/2021 I made a deposit to my Wells Fargo Checking account. 
I have made multiple deposits from one bank account I have at a local credit union to another bank account that I have at Wells Fargo Bank. Usually the amounts are XXXX at a time. This time I deposited XXXX. For the first time, Wells Fargo decided to put a hold on the funds available for any amount over {$5000.00} for 10 days. 

This has resulted in additional fees and interest. It continues to cause additional interest due and has tied up my funds from being used elsewhere as this is still not resolved yet. 

The check was deposited from a local credit union that is serviced by the same Federal Reserve clearing house, the one in XXXX, Federal Reserve number XXXX. 

I have documentation that the check cleared my credit union account on XX/XX/2021. 

Wells Fargo continues to hold back availability of funds in my checking account. I have talked to 4 bankers and all 4 say that they do not have the authority to remove the hold. 

I thought banks were not lawfully able to hold funds on checks that have already cleared my other financial institution that is part of the same federal reserve. It seems that this hold is excessive and outside of the normal hold guidelines. 

Please advise. I would like them to pay punitive damages if they are out of line. 
This is ridiculous. 


I can provide documentation if needed.
Product: Consumer Loan

Tower Loans, XXXX Missouri after being asked in writing to stop harassing calls, continues to call me multiple times per day. They call my work cell phone despite being asked to stop. They continue to call over and over, and leave messages that say " I know you have made your payment, but we need to talk to you ... '' or " this is XXXX, please call me back ''. They call from ( XXXX ) XXXX and ( XXXX ) XXXX mostly.
Product: Debt collection

There is a company collecting a debt which is past the statute ( all old debt I ever had was back in 2008 ) and I have requested several times validation and nothing has been received.
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 they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress. ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.
Product: Credit reporting or other personal consumer reports

Everything I try to get on my consumer profile from annualcreditreport.com. Its kicking me out the system, not allowing me to download my report.
Product: Credit card or prepaid card

I had the alert when payment due feature set up with Citibank in XX/XX/XXXX. 
Never received the payment due alert, ended up being a day late. Citibank admitted fault and reversed the " late fee '' and said all was good. 

In XXXX, after I made a purchase, I noticed my rate had gone up to XXXX Called Citibank, and they said the reason was because of the " Late Payment '' in XX/XX/XXXX Never once did Citibank notify or tell me of the rate hike The customer rep had said it was more than just the " late payment '', that there were other " reasons '' but refused to elaborate Spoke to a customer rep " manager '' and she said there was nothing they could do. 
The manager told me to " try back in 6 months and she would review it! '' I have a spotless credit report all bureaus reporting in the high 790 's No late fees, no collections, low utilization, paid off house and two cars All credit in good standing Now I am transfering the debt to another credit card and Citibank is being difficult in allowing the transfer!
Product: Credit card

I received a settlement letter from TD Bank for a Raymour Flanigan account they finance on XX/XX/2024, and have been trying to pay the settlement amount of {$6000.00}. 

Unfortunately, for two days I have been unable to access the online payment system because they have locked me out. 
Additionally, the phone number provided ( XXXX XXXX ) in the letter connects to a XXXX XXXX promotion, with no option to pay the settlement. 
The letter also provides an address for sending a wire transfer or check, but it does not specify whether the check should be made payable to TD Bank or Raymour Flanigan. 

I have called several times to resolve this matter, but the operators refuse to discuss the issue with me because they are on a recorded line. Despite the fact that they record the conversation, they refuse to be recorded themselves. This has left me wondering what they have to hide.
Product: Consumer Loan

After finalizing a loan that absorbs a previous loan, a miscalculation based on poor advice from the bank led to a series of debits to my checking and savings accounts, and overage charges to my credit card. 

Wells Fargo is unwilling to provide a chronological, descriptive accounting of these transactions, so that I can ascertain if ( as I believe ) my accounts were debited more than once to repay the original credit card issue. 

Rather than providing the documentation, they insist on my returning phone calls despite withholding information regarding the calls ; they give no last name or title of the person phoning me, nor any agenda or extension to return the calls. 

Wells Fargo 's incessant telephone menu items preclude connection with a banker, when the issue at hand does not meet the criteria they offer ; hence, attempting that route has proven frustratingly unproductive to me.
Product: Money transfer, virtual currency, or money service

I have funds in my paypal account, and they will not release my money until 180 days. MY account #  XXXX  XXXX  XXXX . I have {$440.00} in there.They were suppose to release funds after tracking and proof of delivery. I have provided them with all and they still holding my funds till 180 days
Product: Credit reporting, credit repair services, or other personal consumer reports

Impacted by the Covid 19. Please have XXXX XXXX remove late payments from 3 credit bureaus ( My credit report. I have explained to XXXX from day one that my job closed down due to an employee at my job tested positive for XXXX XXXX. I tried to apply for Pandemic unemployment it was a night mare trying to submit my claim online due to thousands of other people applying and high trafficking.Day and night I tried to submit my claim. I had no control as to my job closing and pandemic unemployment website being down or not being able to connect due to issues at there end. My account was in good standing before covid 19. Once my claim was approved I immediately paid my account up to date and paid more than my minimum towards my balance {$2000.00} So so wrong what XXXX has done to people at our worse time. Help me out was it really so hard to defer payments til I got back on my feet? Just disgusting and left a bad taste in my mouth to know that XXXX was they only business that did not defer not even one payment my other credit accounts I have in good standing as well had no problem deferring any payments. I will never recommend/refer anybody to this company! DO NOT BORROW FROM THIS COMPANY XXXX XXXX  XXXX. WILL RUIN YOUR CREDIT FOR SURE I HIGHLY RECOMMEND IF YOU WANT A LOAN TO GO TO XXXX  XXXX! The least XXXX can do is remove these late payments off my credit report.
Product: Debt collection

Capital One seized my bank accounts, took all my money and said that I am not the head of household, I am the only one in the household and almost lost everything because of their seizure. This is from a credit card debt from more than 5 years ago ( beyond the statute of limitations in XXXX ) from when I was unemployed and alerted them of the unemployment status, but they still sent the file to an attorney and just took everything. Then, XXXX XXXX XXXXXXXX, where my accounts were, also froze my accounts for more than the amount of the judgement and continued to return checks and try to collect fees for funds that were there.
Product: Mortgage

My orgininal mortgage lender is XXXX XXXX in XX/XX/XXXX. By XX/XX/XXXX, it had been transferred without my permission and notice to XXXX XXXX XXXX. I did not complain about the transfer to XXXX. Before the transfer to XXXX, XXXX XXXX sent me a letter stating the loan had been PAID IN FULL, which is accurate. Then, again, when it was transferred to XXXX transferred the mortgage to Shellpoint. XXXX sent me a financial bank statement stating, the mortgage had been lowered to about {$1200.00}, and a payment was paid ( this is proof by Shellpoint ). The financial bank XXXX statement also stated that the mortgage had been PAID IN FULL, which is accurate again as confirmation from XXXX XXXX. However, I am STILL the OWNER of the mortgage and home. As well, I am STILL the owner of the mortgage. Shellpoint by law must honor the financial institution 's ( XXXX XXXX XXXX statement ) that the mortgage has been PAID IN FULL by sending a letter to XXXX XXXX and transferring the PAID IN FULL mortgage back to them, as the original lender. Or, Shellpoint must honor the letter from XXXX by agreeing with XXXX in the letter and sending it back to XXXX, with it having been PAID IN FULL as XXXX already stated.
Product: Checking or savings account

Hey so i been banking with chase since i was XXXX and now am XXXX, chase is my first ever bank and i always have spoken highly of chase as a bank and their customer service ALWAYS, But on XX/XX/XXXX i received a letter from chase saying that they were going to close my account on XX/XX/XXXX worried and confused i call chase support right away and i have to tell their customer service to me was rude and bad i dont know if it has to do with chase closing my account and basically werent helpful at all because i tried asking why my account was closed and ask if there is anything that i could do to fight this back because i dont think it is closing my account, not giving any reasons and not even giving a option to send someone an email or anything, because if if whatever the reason is they are closing my account is wrong and they are not letting me explain my self. and i have to add that today that am sending this email ( XXXX, XXXX, 2021 ) i went to a chase branch in person and basically same answers nobody wanted to help me in anyway, and right after i left the chase branch tried calling one last time to chase and this time their customer service to me was even worst, I just hope i can get help on this matter because it has affected me tremendously. Thanks in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

disputing Zelle transaction as warnings and disclosures were not properly disclosed. Several Zelles sent from XXXX, XXXX XXXX and XXXX accounts in several amounts over {$20000.00} from XXXX to XXXX.
Product: Mortgage

there is an escrow overage amount in my mortgage account that is {$4500.00}. Chase supposedly mailed it out to me the check in an escrow statement back on XX/XX/XXXX. I dont get statements so the XXXX there didnt think to check that I get paperless statements. They still couldnt figure it out 10 days later. I figured it out when I went to my statement settings. XX/XX/XXXX they re-issued another statement supposedly mailing it to me. I have never received it. And I checked tonight and they credited that check back to my account again. Ive never received my money. No one responds to my inquiries. Theyre keeping my money which is my money. And theyre not applying my mortgage payments correctly. I paid the regular payment and they only applied the new adjusted monthly amount which is {$200.00} less. They have not applied my extra {$200.00}. They have not responded to me. They are stealing my money.
Product: Credit card

I was informed when I called last week XX/XX/23 that I had a non promotional balance of {$1800.00} that i was totally unaware of as it does not show on any stmt. Recently for the past year or more my purchases have been with a 6 month no interest promotional plan. I assumed that some of my payment would be applied to oldest balance first to avoid addl interest but i was told i need to call them each month to let them know to apply payment if i wanted it applied to non promotional balance. Since i was unaware of this balance i can not tell them to apply it. I presumed my previous charges before promotion charges were already paid off since nowhere on stmt does it show this balance. So I would be paying till doomsday & never have this balance paid, because it keeps on growing with more interest applied each month. The balance may have started at {$20.00}, & it has grown to {$1800.00}. I have no way of knowing. I believe this is an unfair practice
Product: Credit reporting, credit repair services, or other personal consumer reports

I Contacted All 3 Bureaus Multiple Times about these accounts especially about Department of Treasury thats showing opened from XX/XX/XXXX, that account is not mines whatsoever, I was born in XXXX submitted a dispute letter to the bureaus and its been over 30 days since hearing a response from them. Under the Fair Credit Reporting Act, the inaccurate items have to be deleted. Please resolve this matter at your earliest convenience. Thank you for both your time and help in this matter.
Product: Student loan

I am unable to speak with anyone at the company about my issue. This is primarily because I have no recollection of ever having entered into a loan agreement with this company. I do not understand the terms of the loan and why so much interest is being collected. To prove that I, in fact, owe this debt, I would like the company to furnish me with a copy of the original loan document with my signature and the terms clearly defined. Otherwise, I will consider this debt to be invalid and any effort to collect this debt a violation of my consumer rights. I affirm that I never entered into any loan agreement with this servicer and that this servicer has somehow acquired access to my personal information and assigned a debt and terms and conditions of debt to me based on its own business interests.
Product: Debt collection

I have XXXX apartment complexes in XXXX TX trying to collect an application fee form me. I haven't lived in XXXX since XXXX. I have lived permanently in California since XXXX. 

Columbia debt recovery for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Product: Checking or savings account

I submitted a dispute on XX/XX/year>. The dispute was given a temporary credit and it was reversed. I am a victim of fraud
Product: Credit reporting or other personal consumer reports

The credit bureaus has not deleted the fraud off my credit report Ive sent them. I need help with resolving this fraud with XXXX, XXXX and Trans Union.