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

In accordance with the Fair Credit act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681section 602 A states I have the right to privacy 15 USC 1681 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 then records of conviction of crimes antedates the report by more ten 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: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

For months I have written One Advantage collection company, requesting a validation on debts they have issues on my credit report. They have issues a total of XXXX accounts ( # 's XXXX,XXXX, and XXXX.Please have this company validate these account and inform me of their finding.
Product: Checking or savings account

A check reverced and now they want to close my account now i cant get my money thats mine out
Product: Debt collection

I have requested twice to have this debt properly validated and this company has refused. I have not been shown proof that I owe this medical debt
Product: Credit card or prepaid card

Capital one allowed someone to open a credit card in my name and social and now capital one refuses to remove the account
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXXXX/XX/XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After reviewing a copy of my personal credit report, I have come across a few inaccuracies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame.
Product: Payday loan, title loan, or personal loan

I have tried several times to speak with them and they at one point would not speak to me because I advised I was going to contact a lawyer because there calls were more harassment than anything. I use their online system to pay this account as well as to set up the payment plans that they offered for hardship. Have made those payments and over those payments and because they called me and I cussed the rep out and told him I will file bankruptcy now it's showing 120 days late on my credit when it is not. I have tried calling and they seem to have an axe to grind and refuse to correct my credit report or the account but continue to call and harass me about payments
Product: Student loan

We have paid {$3000.00} but it is still sitting as a credit amount but has not applied to the balance loan amount by Edfinancial. We have requested them many times to credit the account or refund but nothing is done. Its like our money is disappeared. if they applied, we didn't have to pay interest. But They keep charging interest. 
Is there any government body here who can help us resolve this? Edfinancial is fooling us around and not responding to any query. I have called them and talked to them many times but they kept saying they would look into it but nothing has been happening since last year. It's my hard earned money and there is no action taken yet. I am a student and edfinancial taking advantage of students loan borrowers. It seems like they just want students to be living with more loan for long period of time so they can still collect the interest. Hence they are not applying paid amount {$3000.00} towards the loan. We want the {$3000.00} to be refunded or dissolve all the loan amount. Also, they are at fault.. and we would be asking them they have to pay us the interest and whatever interest we have paid to them. Also please forgive the loan as edfinancial has given us too much trouble. Also they are holding {$3000.00} without applying towards the loan since the amount they have received from us and possibly they are using that money or they dont want to refund or apply towards the loan.
Product: Debt collection

I have received notices about a strange address that kept being added to my credit report from a California property I have never lived at. I found out that my home address was changed to this California address and that it was done by CBE collections. After disputing and having the address deleted, CBE has attempted to add a false account to my credit file. XXXX deleted the collection within XXXX but XXXX has said it was verified. My dispute with XXXX is currently being processed. 

This collection added to my credit report is a violation of the FDCPA. The company CBE has never sent any bills or collections notices to me. I am unable to demand validation of this alleged debt because they have never contacted me or sent any documents to my home. I m allowed a XXXX period in which to dispute the validity of this debt. CBE did not notify me but instead changed my home address on my credit files and then added this collection, causing a XXXX point XXXX loss. It shows an account with XXXX. I dont have any accounts with XXXX and never authorized anyone to use my personal information to open a charter account.
Product: Credit card or prepaid card

On XX/XX/2021 I received a PPP loan through XXXX XXXX in the amount of {$20000.00}. I had the deposit sent to my new Chime account. I heard that Chime was accepting the ppp loan so I wanted to try the bank out. However my current bank is not accepting the PPP loan. I had been paying myself weekly, and sometime 's bi weekly to my cash app account so that when I submit the documentation to the SBA for PPP forgiveness it will show that I have paid myself for payroll. As of XX/XX/2021 I received an email from Chime requesting a photo id, a utility bill with my address on file that I used to apply for the account, an explanation as to what the funds have been spent on and they requested receipts where I've spent the funds and requested the promissory note from XXXX XXXX. I submitted all of the following. XX/XX/2021 I was advised by XXXX that I needed to submit over my tax return or a tax form. I explained that a sole proprietor is not required to have an EIN majority of us use our SS numbers. Secondly, to qualify for the PPP loan as a sole proprietor you were to submit an 1040 C form. I have done that and fully approved and have been funded through Itria already.These people are with holding approximately 8k! They lock you out of your account completely so you have no way of seeing ANYTHING! I have explained that in order to have the loan forgiven I had to send deposits out weekly to my cash app. I've also expressed to them if the funds aren't used before next week I will not be eligible to apply for the second round of PPP. What these people are doing is stealing! They are freezing consumer 's accounts left and right to make interest off of hard earned tax payers dimes.Online I've done some research a little to late. It seems as if they do this to anyone that has a few thousands in their accounts or more. I have seen the horror stories where some people gave up and just let them keep their funds. I am not that person! I work hard for my money, and I will not allow anyone to steal from me nor my family! This company should be shut down at once!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$14000.00}
Product: Checking or savings account

I book a trip to stay at the XXXX in XXXX through a traveler agent. The hotel as to put a card on file, as all do. When I check out, arrived at the hotel I seen that the hotel charged my card twice, with two different charge, beside what I already paid to stay at the hotel. I call the hotel to ask about the charges the manager then told me she will have to look into it and will call me back. The next day I call the hotel and ask to speak with the manager, the rep ask for my name and then transfer me to a land that went to voicemail of a guy. After I left a voicemail, I can back and let the rep know that I just call and ask to speak to a manager and I was transfer to a land that went to voicemail of a guy and if I'm not mistaking your manager is a female name XXXX XXXX. The rep began to say, she's not in, so I ask when will she be in and I was told the next day. I also left a message when the rep to have her to call me. By noon the next day, I call the hotel and ask to speak to the manager XXXX XXXX, the rep place me on hold and came back and said she was in a meeting, so I left a message for her to call me. I then send an email to her regarding these charges and I haven't yet heard back from her. I was told by one of the hotel worker that she respond to email quickly and it's been weeks now.
Product: Credit reporting, credit repair services, or other personal consumer reports

While trying to refinance my mortgage I was told I had a freeze on my credit reports. I called XXXX and after about an hour had it lifted. I called Experian and after about an hour I had it lifted. I called XXXX and was told to go on line. First, I never requested a credit freeze and second they make it impossible to get help in a timely manner. 

I would like to get this freeze lifted so I can go about the business of refinancing my mortgage. Can you help me??? 

If they have so much power over consumers we should have the ability to fix problems quickly and without crawling through hoops.
Product: Credit reporting, credit repair services, or other personal consumer reports

after numerous complaints and disputes equifax continues to report my name incorrectly as XXXX XXXX XXXX XXXX. my correct name is XXXX XXXX XXXX XXXX. also equifax is refusing to correctly update and increase my credit score. even though all credit card balances are XXXX and creditors are being paid on time.they are reporting a XXXX .this score is 117 points lower than XXXX and 112 points lower than XXXX. this has been an ongoing complaint with equifax for the past 3 years. they refuse to update in a timely manner. i was recently denied student loans for my XXXX childrenin college due to the equifax score.i was told i needed at least a XXXX, which the other bureaus are reporting. now they will miss the XX/XX/XXXX-XX/XX/XXXX semester. will i be able to sue them regarding this matter.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I made the payment on time as confirmed by the bank statement attached.

A clerical error seems to have occurred in reporting the payment, as there is no record of any missed or delayed payment on my end. 
Additionally, the payment records from XXXX  XXXX do not reflect any past due amounts during the disputed time period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent a letter to XXXX XXXX asking them to validate an account they say I have Below. I sent them a letter on XX/XX/ which I also will be attaching below. It now has been over 30 day and I still have not gotten a response from XXXX XXXX. I would like for this company to provide a copy of my signature on any documents that holds me responsible for this alleged debt. I will also like for the company to cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 

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

My XXXX XXXX XXXX, XXXX XXXX digits of the viin XXXX was totaled last year XX/XX/XXXX. The insurance paid its part about $ XXXXand GAP insurance took a while to pay theirs which was the balance of about {$5100.00}, and Hyundai reported it as a missed payments XXXX times. GAP insurance has made a payment of about {$3200.00} since XX/XX/XXXX leaving a balance of about {$1800.00} which is a refund for extended warranty. 
Hyundai has since refused to update my current account and it is still reflecting missed payments and the old balance of about {$5100.00} instead of new balance of about {$1800.00}. Nobody is willing to help me remove the late payment from my account. This is affecting my efforts to get pre-qualified for a mortgage loan. None of this is a direct fault from me and I don't think I should be seen as missing a payment when HYUNDAI told me to stop all payments the moment my car was totaled. That was a XXXX way call between me, my insurance agent and Hyundai finance representative.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Wrong Personal Informations : Also Known As : XXXX, XXXXXXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Experian report I have on my personal file a wrong address which I asked Experian to remove, for I have never lived at this place XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I have no idea where it came from. I've never lived in California. It was posted in XX/XX/2018. 

Alos with XXXX they have a address that is not mine that address is XXXX XXXX XXXX, XXXX, OH XXXX I also would like for it to be removed off you my personal credit profile.
Product: Checking or savings account

On XX/XX/2018, my checking account balance was {$330.00}. I then made a purchase for {$240.00}, leaving a balance of {$89.00}. The next day Wells Fargo charged me a {$35.00} overdraft fee for my transaction of {$240.00}, even though there was {$89.00} still in my account!! Wells Fargo only partially refunded my overdraft fee.
Product: Credit card or prepaid card

Contacted representatives of the company via telephone and emails several times inXX/XX/XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane XXXX. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.
Product: Credit card

Account opened in XX/XX/year> without my knowledge. No monies from the account ever used. Bank acknowledges phone and email in the acct not mine. No real investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I received notification that a fraudulent inquiry was placed on my Equifax report. Someone fraudulently attempted to open a XXXX XXXX  account ( credit, I assume ) in my name. I did not authorize the inquiry. I have called XXXX and asked them to remove the fraudulent inquiry. I also disputed the fraudulent inquiry with Equifax. They quickly returned a response that said that the information was verified as accurate. Obviously they did not attempt to really investigate it as there is no way they could have conducted a thorough investigation in less than a day. Also, they probably just reached out to XXXX who just verified that yes, someone used that Social Security number to open the account. That isn't the point. The point is that I am telling them that it was done fraudulently - without my authorization - and therefore they MUST remove the fraudulent information.
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 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: Checking or savings account

I live in California. On XX/XX/XXXX in California time, I submitted 2 payments selecting XX/XX/XXXX as the payment date on the Ally app. One for {$28.00} and another for {$23.00} both to the same biller : XXXX Credit Cards. 

I submitted the payment and then received an email from Ally that I submitted 2 same day payments and would be charged a {$9.00} fee for each. The issue was timezones as Ally uses Eastern time. 

I don't have issues with the timezone cutoff, but my issue is that I was not warned that a fee would be charged for those payments or else I would not have submitted 2 payments for such small amounts to the same company each triggering the {$9.00} fee! 

Prior to that email, I received no warning that I was either making a same day payment nor that I would be charged a fee. I was also unable to cancel the payments. 

I contacted Ally immediately and asked them to assist. I offered to show them exactly what occurred and they declined to walk through it with me on the phone but said I could upload proof via their secure messaging system. 

I captured a video showing the issue, as I was able to replicate it again but then when trying to upload the video their secure messaging system only accepts images. 

The issue with screenshots is that I'm trying to how proof of not being warned of the fee, which is not something a screenshot can convey, that something is missing .... 

I uploaded some screens anyway and they said they found no issue, the problem is that it's only apparent in a step by step video. 

I called them back today asking if I could send them the video via email or some other means showing everything end to end and they stated that they're unable to accept any kind of video and that their decision was final. 

In essence, they are unwilling to even review my video proof of the issue, refused to acknowledge the issue and would not refund the fees. This is appalling especially when it involves charging customers fees that they then can not escape. I think this could be a UDAAP violation. 

I have attached video showing that I was able to replicate the exact issue minutes after those payments were created. The app showed XX/XX/XXXX as PAY TODAY and that selecting XX/XX/XXXX did not trigger a same day warning or any kind of fee.