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

Credit reporting agencies keep putting delinquent information saying that I either have a collection for child support or have late payments. I am constantly trying to get them to delete the errors with no luck. I just have a review of my credit and didn't know that this item was put on my report and credit was not extended to me because of it. I have an order deleting all child support and abating me of any types of responsibility of child support that was signed in XXXX, how can I have late or delinquent charges? I have an order directly from the state of Texas dated XX/XX/XXXX stating that I owe no money in child support, nor do I have any arrearages of any sort. In fact, the state of Texas is working to get me back 4 years of child support that was overpaid.
Product: Credit card or prepaid card

I reported unauthorized 2 charges on my card in XX/XX/2022- {$180.00} XXXX XXXX, and an {$80.00} that was recurring. 

Capitol One said they would reduce my balance by the amount of the charges and investigate. They asked that I submit my supporting evidence via an electronic link they sent me that they claimed specifically linked to my complaint. I submitted the evidence, which included receipts. 

I also filed a complaint with the CFPB given I have spent over 20 hours on the phone with Capitol One addressing this matter.

They did not review my material evidence. Instead they closed the case and the CFPB that I never responded and closed the case. They they added the charges to my balance, which made my balance over the limit and reflected a 130 % usage.

This in turn caused my credit score to drop XXXX points. The decreased credit score led to the bank denying my loan application.

I have resubmitted the evidence and spent an additional 4 hours on the phone with Capitol One. They still have not removed these charges from my balance and have assessed additional over the limit and other fees to my account.
Product: Mortgage

XXXX XXXX tax collector charging scam fees to submit tax bills which were already submitted by homeowner
Product: Checking or savings account

I was an active customer on papal for the better part of a year and had not conducted any nefarious activity with my account, I did not break any rules and always complied with any requests that paypal would make that i do at any time. on XX/XX/XXXX, out of nowhere, at XXXX XXXX! I get an email that states my paypal account, that has well over {$4000.00} in it is limited. I then am very upset and conserned as they do not give any specifics to why this has happened, or what will happen to my funds in the account. I then get another email from paypal stating they are perminently closing my account at XXXX, mind you I am asleep and waking up to this insanely distressing news. Paypal also states in that email my {$4000.00} will be held by them with no interest being added for 180 days to cover any charge backs that may occur on my account. And that i would receive an email after the 180 days about how to receive my funds that were left in the account. We are now in XX/XX/XXXX! Paypal has NEVER sent me anyhting about anything! They literally have blocked my email from even resetting my password. essentially I am permenantly blocked and they have stolen my money! I want justice and my money asap! PLEASE HELP! 
This can not be legal that they have froEn XXXX of my money for over 3 years now please XXXX help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to TRANSUNION in regards to me being a victim of identity theft and that the accounts on my report were open fraudulently. Ive filed a police report with the FTC ( federal trade commission ) for this serious matter and Ive attached the report and letters Ive sent out to transunion in regards to this matter.
Product: Credit reporting or other personal consumer reports

I do not have a contractual agreement with LVNV FUNDING, nor have I ever conducted any business with them. This company reported to XXXX that I owe them {$7300.00}, and I am not liable for this debt. 

I have requested multiple times in writing via certified letter for LVNV Funding to provide me with the original contract and debt validation documents according to the Fair Debt Collection Practices Act, 15 USC 1692g. Last request on XXXX2023. 

Under 15 U.S, C. 16811 ( 7 ) Method of verification, this account is in violation ; it was reported without valid evidence. 

This company has also violated my rights. 15 U.S.C 1681 Sec 602A. states that I have the right to privacy. 15 U.S.C 1681 sec 604A Sec 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and have filed a complaint with the Federal Trade Commission. I am disputing a collection item placed on my credit report XX/XX/2019, with a company known as XXXX   This item was removed from my credit report back in XX/XX/2019, and has been placed back on my credit report to Equifax, XXXX  & XXXX XXXX. 
I have never had any business dealings with a collection agency known as XXXX XXXX, nor have I signed any documents or agreements with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and notice some hard inquiries that I do not recognize and are all over 90 days old and this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX. 
XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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/XXXX
Product: Credit card or prepaid card

I was notified yesterday that all 10 of my Synchrony Bank credit cards, both store cards and mastercards, were closed on XX/XX/2021. The agent said it had nothing to do with my pay history. I am a long-time ( decades ) customer of the bank. They indicated that they closed all of my accounts because I had too many account open with them. I had 10. I had just applied for a XXXX Visa card last week with them. They approved the account with a {$4000.00} credit limit. I have not even received the card in the mail yet and they already closed that card along with the other 9. Why wouldnt they just not approve my application if they know internally that when a customer hits a certain number of cards that it triggers the closure of all accounts. I have a perfect pay history with this bank. No warnings were given at all. This is very bad business. How can they extend credit and then rescind it before the card ever arrives? Does this mean I can never have another card through Synchrony Bank? Am I banned from applying for another card? I attempted to apply for one that was closed but it would not let me because it still recognizes that I have an account with a balance on it even though the account is fully closed. I intend to pay all of them off. Some of them had no balance on them. Ive never heard of this happening. Can they do this me when there is no negative history on these cards? If this is how they operate I would like to warn other consumers that they need to be very careful if they have a bunch of cards backed by this bank. They could shut them off at any time with no warning at all. You will still have to pay off all of your balances. But the law should not allow this to happen. It seems like a breach of contract somehow.
Product: Debt collection

Company nev er validated/ Verified account and is in direct violation of FCRA, FDCPA and federal and State consumer p rotection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year I found out my personal information was involved in a large data breach from Equifax, and other agencies.I attempted to have the inaccurate information removed but they refused. I submitted police reports and other documents to show the information was not mine, yet they still refused to remove it.
Product: Student loan

I have had many problems with this company and when I try and talk to them to resolve or help me they cant or dont want to try. I called them today XX/XX/2022 to try and resolve some late marks they have put on my credit when my account should have been in forbearance. They were no help. They told me to write the company with my complaint. I have had many issues with the way they managed my account. They charge me a {$50.00} charge when I need a hardship forbearance and they pick when they want to put it into a national disaster forbearance. They have put it into a fire disaster forbearance before and when I expect them to do it again they dont. When I talked to the lady about that today XX/XX/2022, she said I have to call to get it out in a disaster forbearance and then they charge another {$50.00}. They are very confusing and not helpful at all. The way things are ran there are very unfair and they dont explain. If the account is in forbearance they shouldnt be giving me late marks on my credit. Its seems like they just do as they want with no care to the consumer and Im know Im not the only one going through this.
Product: Credit reporting or other personal consumer reports

As a loan servicer, XXXX is responsible for ensuring they have the correct contact details for their borrowers. If they had outdated information, they should have made proactive attempts to update it especially before marking accounts delinquent and reporting to credit bureaus. Servicers must notify borrowers before making significant changes to their accounts, such as transitioning out of forbearance. This is not just a best practice-it is an obligation under consumer protection laws that require lenders to act in good faith and provide borrowers with a fair opportunity to respond before taking negative credit actions! - When I requested a retroactive forbearance, which would have corrected the issue, XXXX refused, placing the full burden on me to check my account. However, borrowers should not have to constantly monitor their loans this RIGHT HERE service negligence we shouldve been notified in a timely manner which wasnt done, This refusal to correct their mistake is unfair and further harms borrowers who had no way of knowing my personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of XXXX XXXX. This breach is a clear violation of FERPA and your responsibility to safeguard my information.Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge XXXX XXXX XXXX XXXXXXXX In a court of law that is a breach of privacy my personal and financial information Upon reviewing my records, I have identified discrepancies/misuse of my educational information, I am requesting removal and deletion of any and all XXXX XXXX from my report if this matter is not resolved, I am prepared to escalate my complaint to the U.S.Department of Education 's Federal Student Aid Office and file a FERPA complaint with the Family Policy Compliance Office ( FPCO ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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 604 A 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. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Credit reporting or other personal consumer reports

I am filing this complaint to report multiple inaccuracies on my TransUnion credit report, dated XX/XX/year>. These errors are not only misleading but have also caused significant damage to my financial reputation and creditworthiness. Despite being protected under the Fair Credit Reporting Act ( FCRA ), my efforts to have these inaccuracies corrected have not been addressed by TransUnion. 

The specific inaccuracies I am disputing include : XXXX. XXXX XXXX Account XXXX : XXXX XXXX reported charge-off of {$23000.00} is inaccurate. This account does not reflect my financial activity, and its presence on my credit report is unjustified. According to FCRA 1681e ( b ), which requires credit reporting agencies to maintain accurate information, this erroneous report must be corrected immediately to avoid further damage to my creditworthiness. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX : XXXX The balance reported for this collection account is incorrect and invalid. This debt has not been properly verified, and its inclusion violates the FCRA and the Texas Debt Collection Act. I demand its immediate removal as it continues to damage my credit report unjustly. 
XXXX. XXXX XXXX XXXX Account XXXX : XXXX This debt does not belong to me, yet it remains on my credit report. As per XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX, credit bureaus have a responsibility to independently verify disputed information. Since this debt has not been verified, I request its immediate removal from my credit report. 
XXXX. XXXX XXXX Account XXXX : XXXX This is a duplicate entry on my credit report, which is both misleading and incorrect. The continued reporting of this duplicate information violates the FCRA, as established in XXXX XXXX Trans Union , LLC. This erroneous entry must be deleted to reflect my true credit history. 
XXXX. XXXX XXXX Account XXXX XXXX XXXX The reporting of this foreclosure is misleading and inaccurate. It does not accurately represent my financial history, and TransUnion has not conducted a reasonable investigation as required by XXXXXXXX XXXX XXXX XXXX XXXX, XXXX. This incorrect and harmful information must be removed immediately. 

These inaccuracies have caused considerable harm to my financial standing and have impeded my ability to secure credit and housing. I have attempted to resolve these issues with TransUnion, but my disputes have been ignored or improperly handled. I request that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure my rights under the FCRA and other consumer protection laws are upheld. 

Thank you for your attention to this matter. I hope the CFPB can assist in resolving these issues promptly and ensuring that my rights as a consumer are protected.
Product: Money transfer, virtual currency, or money service

The money that was used to withdraw from my checking account is not going towards payments of my student loans. I reached out to my actual loan provider which is Navient and they ensured me that XXXX   XXXX XXXX is a third party company and none of my payments I have been making is going towards my student loans. Navient explained to me I am part of a third party student loan scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

See previous complaint with CFPB XXXX My credit rating has dropped nearly 60 points due to erroneous or malicious errors on my credit profile. I had a complaint with XXXX XXXX Credit card, Who indicated they would have TransUnion correct a significant drop in my credit score. As of today my score is XXXX as opposed to XXXX. TransUnion must make this right immediately. My financial life has gone down hill due to this erroneous reporting. 

XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
DPEDXXXX XXXXXXXX DPEDXXXX XXXXXXXX DPEDXXXX XXXX DPT TREASURY XXXX DPEDXXXX XXXXXXXX
Product: Debt collection

I keep getting phone calls from  XXXX   XXXX   XXXX   XXXX . They claim that they are attempting to collect a payment for my pay-pal account. I have told them that I do not have, nor have I ever had, a pay-pal account. I have asked them to send me written copies of anything related to this account. They refuse to do anything unless I provide them with my social security number, which I will not do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  indicates i opened an account with them on XX/XX/XXXX and on a different beauru it states XX/XX/XXXX this information is false. Account number : XXXXXXXX XXXX XXXX XXXX Indicates i opened account on XX/XX/XXXX And for another beauru it states XX/XX/XXXX Thats false information aswell DSNB MACYS Is also reporting inaccurate information I have so much fraudelent information and it is devastating, i meed it removed as soon as possible, this is hindering my future. 

XXXX XXXX Amex XXXXXXXXXXXX XXXX XXXX XXXXXXXX All these companies are targets.
Product: Credit card or prepaid card

The issue has to do with my XXXX XXXX credit card. For the second time, the company charged me a {$2.00} interest charge despite me having a XXXX balance. I called to make a payment on XX/XX/XXXX and requested to pay the full amount owed so I could have a XXXX   balance. This month I got an alert that my statement was ready and that I owed {$2.00}. This is the second time this has happened. When I called the customer service line, the answering system informed me that, as a " courtesy, '' they were removing the {$2.00} charge. They know they're ripping people off with this {$2.00} charge. In fact, my wife was the one who warned me about the XXXX XXXX  credit card, telling me to always check my statement because the company likes to add on that {$2.00} charge in hopes that the customer won't call. When they did it the first time, she said all I have to do is question them on the charge and they'll remove it. And that's exactly what they did. How many XXXX XXXX  credit cardholders aren't calling, however. The CFPB needs to check them out and look into their records. I bet you'll find a lot of credit cardholders who haven't question that {$2.00} charge.
Product: Mortgage

I received a letter, with a false accusation, dated XXXX that I was delinquent on my Property Taxes for XXXX XXXX XXXX. Nothing could be further from the truth. In accordance with XXXX XXXX I have appealed my property assessment. Because I appealed, I was not required to pay the full amount until 60 days after the appeal was settled. The appeal was settled on XXXX. I have until XXXX to pay the balance of {$200.00}. I have proof in the form of a bill, and an electronic mail from XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX. Mr. Cooper is notorious for making it impossible to speak with a Manager, to clear up their egregious error. Thus far, despite my correspondence, they refuse to rectify their error. This is the second time I have had this problem with them, and their XXXX XXXX, because of the slipshod and negligent practices of these firms.
Product: Checking or savings account

Ive called and visited the bank to get answers but no one wants to hear me. I believe the manager at the Bank of America branch in XXXX XXXX in XXXX CA XXXX is laundering money from my account. His name is XXXX XXXX. Every time I go to the bank to get money out when my social security is deposited, he moves money back and forth between my savings and checking without my authorization and to confuse me. Im elderly and he is taking advantage of me. Hes taken so much money from me by doing this.
Product: Vehicle loan or lease

I had an auto loan with Wells Fargo from XXXX which falls in the timeline related to the recent lawsuit. I also had a bank account with Wells Fargo and received a large amount of overdraft fees,
Product: Mortgage

In 2012 w e were forced to declare bankruptcy because the credit union would not alter our loan modification as they said our bill were our fault so they would not help us even though I was a member for over 20 years with a perfect record. During the BK they would not take called from our lawyer so we were not able to reaffirm our mortgages. Now they report them as delinquent  as of  X/2012  ev en thought they have always been current.
Product: Checking or savings account

I have an account at Wells Fargo Bank that is a part of the merger to XXXX XXXX XXXX and Wells Fargo took it upon themselves back in XXXX of 2018 to keep all my accounts at Wells Fargo and is not allowing to go with the merger. I contacted Wells Fargo numerous times about having my one eligible account merged to XXXX XXXX and have had nothing but run around. They refuse to let me speak with upper management. The merger is complete on XX/XX/2018 and I have yet recieved my welcome kit and new debit card from XXXX XXXX XXXX.