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

Loans were sold and consolidated. I am on a payment plan and have not missed a payment nor have I been late as my payments are set on auto pay. However, my credit report shows I am late on several payments, which is not true. 

It's confusing what is consolidated and what's not. It's hard to understand. I have not received any collection calls or notices of payments that are being reported as late. 

Please advise.
Product: Money transfer, virtual currency, or money service

Contacting yall about Consumer Financial Protection Bureau Complaint No : XXXX because I am still having issues trying to pass the security check after trying to add a card or a bank or view my PayPal card information after trying to leak different phone numbers it keeps saying numbers are not supported account email is XXXX XXXX
Product: Vehicle loan or lease

the company repossed the vehicle and sold it and still charged me for the full amount
Product: Debt collection

AllianceOne sent me a notice dated XX/XX/2023 on paper with the letterhead " Superior Court XXXX XXXX XXXX XXXX XXXX XXXX '' ( " Court '' ) stating " YOU HAVE FAILED TO APPEAR IN COURT OR TO PAY YOUR COURT ORDERED FINES/FEES. '' Capitals in original. It then outlines that a civil penalty of {$100.00} " has been imposed '' and instructs me on what to do. 
The problem I'm having is that : ( 1 ) the case number the notice references can not be found on the Court 's actual website; and ( 2 ) AllianceOne appears in numerous consumer complaints of fraud. Having read online that AllianceOne will get a consumer 's phone number and keep calling it from various phone numbers -- so that one can not effectively block them from calling it -- I do not want to call AllianceOne. 
In addition, the notice doesn't indicate what the specific debt I allegedly owe is. 
Finally, this notice, claiming that " YOUR ACCOUNT IS DELINQUENT '' and " IMMEDIATE ACTION IS REQUIRED '', is the only communication AllianceOne has sent me. 
Based on the above, the notice appears to be a scam. 
Thanks for your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Information that is not mines shows on my credit profile. I see an adreess an names that don't belong to me.
Product: Student loan

I attended XXXX University beginning with the fall semester of XXXX. As of the beginning of this year, MyFed Loan is claiming that I owe {$2500.00} ( {$2000.00} past due ) on supposed loans that I took out from XX/XX/XXXX to XX/XX/XXXX. I find it to be outrageous that after so many years they claim that I owe them money. I know of no such loans that I took out and do not find it plausible that any loans that might have been taken out would have been deferred for this length of time. I have called XXXX University and have checked into my financial records. They do not show that I owe them any money and I have requested documentation of all of my financial information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous requests to Transunion, XXXX, and XXXX   to remove the inaccurate addresses off of my report and they sent dispute results back as verified but did not delete anything. You can't verify an address when I have provided the proof of address through my bank statement on where I currently reside and employed. They are reporting the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Debt collection

I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b )
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 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 for these violations.
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. Futhermore, their dispute resolution process was unfair and deceptive, as gthey did not comply with error resolution requirments under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.Cash App failed to properly address, investigate, and rectify. Due to not being able to speak with a live rep I was forced to use the chat feature which I did requesting documentation to support their claim about me violating the terms, policy for fraud of Cash App only to get an automated prerecorded response that is sent out depending on the selected issue you're trying to handle at the current time.These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Consumer Loan

Sunset Finance has a marketing scheme to lure customers with financial hardships into getting excessively high interest rates on loans they otherwise would not and can not afford. This is hitting HOME with me, I am noticing a few of my friends and family are getting random letters from Sunset with loan checks enclosed for $ XXXX+. By depositing this check, the unsuspecting customers fall prey to going DEEPER in debt by paying double amount of the check based off Sunsets high interest rates when the customers are already suffering from financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes to Equifax to fix the errors they are reporting. I have provided my passport and drivers license to confirm my identity. Every time I call or dispute Equifax has multiple excuses as to why they are breaking the law. This organization is criminal. Federal law says that information must be accurate. They continue to not fix the error. They are reporting XXXX inquiries on my credit report causing my score to be lower and me to be denied credit. I did not authorize these inquiries. 

They have my personal information incorrect as well. They lied and said that XXXX XXXX validated the information. When I contacted XXXX XXXX they said they could not match me with the information being reported and Equifax does their own internal matching and it is their responsibility to fix it. I have a recorded statement from a supervisor at Equifax admitting it is their responsiblity to remove the incorrect information but she was unable to assist me because she couldn't confirm my identity. 

This is the last chance before I file suit in federal court they have to correct this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681 ( ii ) the extent to which requiring an exact match of the first and last name, social security number, and address and ZIP Code of the consumer would enhance the likelihood of increasing credit report accuracy ; The wrong Social Security Numbers
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed that recovering the lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving use vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've handed along something that needs to be removed or blocked. According to FCRA section 605, credit bureaus must delete any records that were listed on an ID THEFT REPORT. I'm including this report again because I foresaw it in an earlier letter. My attorney has been informed of my objectives and is willing to think that Credit Bureaus are to blame for their stubborn rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance XXXX {$240.00} ; XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX : {$24000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my background report for employment and First Advantage Background Services Corp is reporting adverse information of convictions of crimes which antedates the report by more than seven years. That is a violation of Title 15 USC 1681c ( 5 ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX changed of two different accounts on my credit report. Ive have called this company numerous of times about this fraudulent accounts and they keep telling me these accounts are accurate. They have sold these account to two different debt collectors but XXXX XXXX XXXX and XXXX  XXXX XXXX is still shown on my credit report. They are violating my rights using 15 usc code 1681 to a fair and accurate credit reporting.
Product: Debt collection

Account was paid in full in XXXX. I contacted collection company on XXXX/XXXX/XXXX and was informed that they recently inquired Pinnacle collection and after reviewing their files they agrred to close account as paid in full and to report to XXXX that account should not have been reported as open balance due.
Product: Debt collection

RESURGENT CAPITAL SERVICES IS TRYING TO COLLECT ON A DEBT THAT IM NOT FAMILIAR WITH, I DO NOT OWE THAT COMPANY ANYTHING. I AM XXXX AND ON XXXX, WHICH MEANS MY INCOME IS FEDERALLY PROTECTED FROM PEOPLE LIKE THIS. I WOULD APRECIATE IF YOU QUIT CONTACTING ME ON THID MATTER.
Product: Credit reporting or other personal consumer reports

Capital One portal showed the account as restricted while there was a balance, as soon as the balance was paid off, the portal status changed to account closed. When I inquired about the account with the creditor, the representatives advised the account was closed for a year. The creditor reported the account as closed as of XX/XX/XXXX to the major credit bureaus, however, the creditor was still reporting late payments from XX/XX/XXXX through XX/XX/XXXX after the documented account closure date of XX/XX/XXXX, further causing misleading information on account status.
Product: Checking or savings account

On XX/XX/XXXX I cashed in my stipend check ( # XXXX ) of XXXX XXXX dollars in the Chase bank at XXXX XXXX XXXX, XXXX, XXXX XXXX. 

However Chase said they needed to confirm with the sender the amount and locked my account completely, even my private funds. They did not use the other number associated with my scholarship ( who is also a Chase bank member ). 

According to Chase they were not able to confirm with the sender, even though my scholarship contact person ( he is the main contact ) contacted Chase multiple times and they said everything from their part went well, and nothing should be done. An argument of privacy was being used when I inquired that they should contact them directly to resolve this. 

In the meantime, I was given 14 days for the sender to confirm the amount. But this was not working as transparent communication was not given my Scholarship as they kept stating their Chase contact person said this was all in order on their part. 

14 days passed and my account was closed. 

XX/XX/XXXX they stated a XXXX XXXX XXXX of XXXX XXXX dollars, however no return of funds has occurred to my scholarship nor a check of that amount has been made out to me. 

I made several appointments and visits to Chase to resolve this, but nothing has happened - Wednesday, XX/XX/XXXX at XXXX XXXX XXXX - XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX, NY - Thursday, XX/XX/XXXX at XXXX XXXX XXXX - XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX, NY - plus several in-person visits without appointments All in all, no funds have been 'bounced back to the scholarship account ' nor made out to me. My scholarship has no registration of this amount being back in their account. This XXXX XXXX dollars is supposed to go to my education and this miscommunication and incapabilities are beyond frustrating as a student..
Product: Checking or savings account

On Saturday XX/XX/2018 an unknown individual walked into a TD Bank located in XXXX, NJ ( XXXX XXXX XXXX XXXX XXXX, NJ XXXX  ), fraudulently without my knowledge filled out a withdrawal slip with my banking information and signature and withdrew {$500.00} from my checking account. I have notified the bank, TD, and filed a police report. Upon finding this information out on the following Monday when the withdrawal posted to my online banking statement, I immediately notified the TD Fraud department and my local branch. I discovered during conversation with 2 individuals working at the XXXX, NJ bank and XXXX, NJ bank that it is not mandatory TD protocol to check state issued identification with a withdrawal. It was stated to me that it is the tellers discretion to check ID and for amounts less than {$500.00}, they may choose to verify the signature. A teller is not a handwriting specialist trained to distinguish forged signatures. This lack of protocol or enforcement of safety procedures to ensure the safety of their customer accounts is highly concerning. I find this information incredibly violating that any individual that has ever retrieved a check or has stolen your bank account number can walk into a bank, forge your signature, and walk out with your money without questioning. This is blatant negligence on the part of TD bank and the teller. The funds have yet to be refunded and must await completion of the police investigation. So the consumer is being penalized for TD 's mistake.
Product: Mortgage

XXXX XXXX and XXXX XXXX has contracted with XXXX XXXX XXXX XXXX to Service my VA home loan. The problem has I contacted XXXX XXXX  XXXX and requested to have my mortgage escrow removed since this is a new loan I have neither been late on his mortgage and the annual taxes and homeowners insurance are current. As a VA borrower, I have the right in the state of Mississippi to have my mortgage escrow removed and it should be honored. This company has also not refunded my escrow funds that were collected from my previous mortgage company XXXX XXXX which violates the Mortgage Servicing Clause in Release tractions amendments of the state of Mississippi.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXXAccount Name : XXXX XXXX Account Number : XXXX XXXX Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Name : XXXX XXXX XXXX. 
Account Number : XXXX XXXXAccount Name : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX CT TX XXXX XXXX Number : XXXX Date Filed XX/XX/2021 XXXX. Account Name XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX. Account Name XXXX XXXX  Account Number XXXX XXXX. Account Name XXXX XXXX XXXX Account Number 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting or other personal consumer reports

It has come to my attention that you have shared my nonpublic personal information ( 16 CFR 313.6 ) with a non-affiliate 3rd party XXXX XXXX XXXX XXXX  which you should not have done according to the Privacy laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to a change in escrow, the monthly mortgage payment changed by {$10.00}. My bank wired the old payment amount, which was {$10.00} less than the new amount. The mortgage company ( XXXXXXXX XXXX  ) held the funds unapplied and failed to properly contact me to advise about the unapplied funds and " missing '' monthly payment. By the time I found out about this issue, they reported my account 30-days late to the credit bureaus. This is not a " late '' payment but a misapplied payment. Also, they should have let me know about this misapplied payment prior to the 30 days. I've tried to explain the situation to their customer service and credit reporting departments and they've ignored my requests to correct this reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX 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 XXXXXX/XX/2023
Product: Student loan

Navient has been allocating my auto-payment incorrectly- skipping payments on the Principal for XXXX loan with the highest interest rate every month. Also in payments made by mail with specific instructions on a separate letter in the same envelope, they have failed to allocate the payment according to the instructions, which were to apply the full amount of the loan to the Principal only of a certain loan. They took part of the payment toward the interest. Navient also makes it exceedingly difficult to gain information or support for paying the loans in the fastest and most efficient way possible. There is no way to allocate extra payments online to only the Principal, no way to increase the amount of auto-payment, etc. I am highly dissatisfied at the service for taking advantage of me as a student who needed to take out loans in order to pay for education- they are irresponsibly handling payments and making people suffer / pay more than is necessary, and hold people in debt for longer than is necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I electronically lifted my security freeze through Experian for one day. Then, on XX/XX/XXXX, I repeated the process, and answered my security questions correctly but was denied access and was locked out. The next day, I was locked out of my third party monitoring XXXX ( for unknown reasons ) but was able to answer my security questions successfully. They were similar if not the same as the ones from Experian. When I called Experian to inquire why they denied my CORRECT answers, they reported not being sure why. I asked them to investigate the matter, and they said that they couldnt since they had no way of retrieving my security questions and answers. I had to provide my PIN number instead. However, I should have never been locked out to begin with when I provided correct answers. I am concerned they will might abuse their privileges in the future. I regard this as harassment and manipulation. I also tried registering for an account with Experian and they declared they couldnt verify my identity, when other credit bureaus and third parry entities have been able to successfully. Then when I repeated the process, the next error message indicated that the system was down and couldnt complete my order.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I was just made aware today when I received a letter in the mail confirming my address change that I did not make. I live in Illinois where Ive lived for over 20 years. I have never lived in XXXX GA nor do I know anyone at that XXXX address. XXXX XXXX ( XXXX XXXX XXXX XXXX ) will not help me correct this issue. Someone not only updated the address but changed my phone number which has been XXXX for 15 yrs. they also change my email address and requested a new card. I'm not sure what is going on but I am in no way responsible for this account. Ive reached out multiple to times trying to get XXXX XXXX to understand that my identity is being used fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found accounts that do not belong to me. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third  partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violati my nonta 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 XXXX XXXX XXXXXXXX. 
Closed on XX/XX/XXXX XXXX XXXX  Opened 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