23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 15 USC 1681.

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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 card

Dispute never resolved fraud due loss my card a lot activity happened they dont give me my money bac
Product: Prepaid card

I ordered a card and never received it which I had to pay XXXX for the card they cancelled it said they would refund my XXXX dollars and then turned around and took my last XXXX dollars to order another one without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX  XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} ), XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX/XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX XXXX  XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Checking or savings account

PayPal closed my account due to unauthorized account activity back in XXXX or XXXX after me filing several disputes due to this unauthorized account activity that I had no knowledge of nor did I authorize them. They completely blocked me from my account with no access to to nothing including my disputes and the bitcoin an euthcoin that I investmented in and bought through my account PayPal. XXXX it's XXXX and still nothing. I've tried
Product: Debt collection

XX/XX/scrub>XXXX XXXX  I notice I start receiving calls from this company called XXXX XXXX XXXX, about a dept that I owed from capital one bank USA for {$1200.00}, this company has harassed me the whole year about a dept that has been charged-off and closed but is still reporting on my credit as an open account! I have gotten multiple calls, emails, and text from this company which is harassment!!! I have contacted the company and even sent a cease and desist letter to each credit bureau about the company, I ask that all communications stop and this dept collection be removed from my credit file under the United States Code 15 USC 1692 ( C )
Product: Vehicle loan or lease

In an attempt to lower my interest payment on the loan, I made an arrangement with an agent of Bank of America ( my loan financier ) for a bimonthly payment of the the monthly dues 1/2 afront. To that effect I authorized the bank to draw the preset sum of {$340.00} at the start and the end of every month beginning the start of the loan period. The bank requested for authentication and I did authenticate as per their standard procedure and I do have the records to that effect.they started drawing money from my account for a while then for no apparent reason they simply failed to collect, I was informed that I was behind on my payment and needed to come Up with a payment to be up to to date on my loan and did as per their request. Having regularly collected for some Months they again failed to collect and failed for reasons I have yet either my bank or Bank of America had answered me satisfactorily ask for your help for them to do. Now they have come and repossessed my car for non payment of their dues and they have notified me that I need to pay the loan in full to get my car back .I feel this to be an insult to injury, they failed to collect their money for no apparent fault of mine in the first place then they repossess my car on the top of that they demand full payment this I fell is no less than a mob justice and  mob execution that simply couldnt and shouldnt stand here and now. Should there be a need for further evidence and documents to support my claim and complaints I-stand ready to provide you. 

Sincerely XXXX XXXX Pay
Product: Credit card or prepaid card

This problem is with my XXXX XXXX credit card. I hardly ever used this card, and always paid it off in full. I've had nothing but issues with this card. It is almost maxed and and shouldn't be. My balance should only be {$150.00} on the card. I've filed many disputes in regards to this. 

My credit report also has an issue as it only has my birth year and not my birthdate on it. There are many cards, collections, and student loans on my credit report that shouldn't be. I believe this is in error to my birthdate not being on my credit profile.
Product: Payday loan, title loan, personal loan, or advance loan

I called Cash Express in XXXX TN on a recorded line on Wednesday, XX/XX/XXXX to revoke ACH authorization for both my account and my husbands as I was his POA. My husband called to confirm it was revoked on XXXX XX/XX/XXXX and they confirmed. They were also informed I was filing bankruptcy and collection efforts were to be stopped as I had retained an attorney while my husband tried to make payment arrangements for his loan but he was told he couldnt and they would simply take him to court. Today, Monday XX/XX/XXXX, they ACHed the checks from our bank account in XXXX separate charges for {$260.00}, {$260.00}, {$230.00}, and {$230.00}. We were charged XXXX {$32.00} overdraft fees as well.
Product: Vehicle loan or lease

On XX/XX/XXXX, I visited XXXX XXXX of XXXX XXXX, VA. I was softly in the market for a new car. I found a vehicle I was interested in, and a salesman pressured me into seeing if I could get approved for financing. I live on a fixed, SSI XXXX income so I was concerned about over-extending myself. They got me approved for financing, but I was still skeptical due to the high monthly payments. It was a Saturday, so the salesmen told me I could take the care home and see how I liked it. By Sunday morning, I knew this was something that I didn't want to do. First thing Monday morning ( the XXXX ), I returned the vehicle to XXXX XXXX. The manager and salesmen were very angry with me, and told me I had to take the car. I told them that I had the right of rescission, and was well within my rights to return the vehicle and change my mind. After all, because it was the weekend, the paperwork had not even been sent to the finance company yet. I left the vehicle at the dealership in their possession. I assumed the issue was resolved at that point. Over the next several days, I was overwhelmed with phone calls from reps at XXXX XXXX   saying that I had to come back to the dealership and pick up the car. I held steadfast, and told them that I had changed my mind, and did not want it. I had returned the car to the dealership within 36 hours and was well within my rights to do so. Again, I believe the issue to be resolved. To my surprise, the dealership actually delivered their car to my house on XX/XX/XXXX. I called the sheriff 's office about this, and asked them what I should do. They told me I should just take it back again, if I did not want it ; and that's what I did. I returned the vehicle again ( that same day ) and left it in their possession. Again, I thought the issue was resolved. Recently, I received a letter from a finance company called Santander talking about my interest rate on a car loan. I had no idea what this was about. I called them, and sure enough, this was for the car from XXXX XXXX. I explained the whole situation with the rep at the finance company, and they said they would make sure it was resolved. So despite returning the vehicle to the dealership before they even submitted the finance paperwork, and them knowing I did not want the car, the submitted the financing paperwork anyway. I can't believe the lengths that this dealership would go to try to force someone to buy a car they clearly did not want.
Product: Credit reporting, credit repair services, or other personal consumer reports

My background check for a job was finished today XX/XX/XXXX. It seems they can't prove my current or past employment without simply dialing a phone number. I am 50 % owner of XXXX XXXX  back to XXXX. When we opened our dba was XXXX XXXX XXXX and around 3 years or so ago XXXX XXXX XXXX   pulled our contract as we were a franchise and they were selling their entire company. XXXX   rebranded as XXXX XXXX XXXX XXXX with myself still 50 % owner. During this background check we were relocating and haven't been open for the last 3 months.The phone number I supplied them with wasn't active at the time or was a temporary phone number until we could get our old one back. I contacted First Advantage and explained this and provided them with my business partners ' phone numbers yet my partners ' said they were never contacted. The store just reopened today and I have the temporary phone number but fear in contacting them again nothing will be done. Also in validating my SSOC number they listed my old business address of XXXX XXXX XXXX XXXX XXXX Illinois XXXX which was XXXX XXXX XXXX   and XXXX XXXX XXXX XXXX  ( the place we just moved out of a few month ) ago as one of my residential addresses. This is incorrect. Also during the same process they listed an end date to my residence I have been at for 15 years and am still at paying a mortgage on.
Product: Vehicle loan or lease

I sent {$10000.00} ( buyout quote amount ) on XX/XX/XXXX with my odometer statement via mail. I called XX/XX/XXXX to check in on the status of the check and title. The check was cashed out on XX/XX/XXXX. I have not received the the title yet but I need it mailed to me immediately because my car insurance and and car registration will expire XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received hard inquries for something that was not even supposed to be a credit pull due to me not authorizing these : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To whom it may concern Under XXXX XXXX XXXX XXXX Permissible purpose of consumer reports ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX Never gave XXXX, XXXX, or XXXX Any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning Account Listed below as a consumer. I am demanding deletion of these accounts. 

ACCOUNT ADJUSTMENT BUR account number XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have been charged. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request investigation into my account transactions.
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 XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For those violations
Product: Student loan

2006 started XXXX College with a Student loan through XXXX XXXX  The amount was around 10,000. I was suppose to begin payments after the school year ended. I was not working at the time just attending school. Second month in they started trying to make me pay XXXX a month on that loan. I went to the school and spoke with the loan staffer there that helped me apply for the loan whom basically told me to suck it up and make the payments. I then contacted XXXX XXXX and got the same answer. As I was not working at the time I could n't make payments. It went into collection before I even finished school. They started taking my taxes and another company contacted me, I believe Nievient? Not certain of the spelling saying they 'd work with my income at the time stating it 'd not be above 50 a  month based on income. For about 6 months those payments were made on time and for the amount but, on the 6-7 months they jacked up the prices to XXXX a month and threatened to sue me if I did n't pay. Threatened me personally by saying I was a horrible human being for not paying my debts and other nastier comments. I stopped paying. They are again taking my taxes.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I am writing to formally request the removal of outdated charge-off accounts from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), Sections XXXX and XXXX. According to FCRA guidelines, negative information, such as charge-offs, should not be reported after XXXX years from the date of the first delinquency. 
I recently reviewed my credit report and noticed that several charge-off accounts are still being reported despite being over XXXX years old. The details of these accounts are as follows : Account Name : XXXX XXXX XXXXXXXX XXXX  {$9300.00} Date of First Delinquency : XX/XX/XXXX XXXX XXXX  XXXXXXXX XXXX  {$2500.00} Date of First Deliquency XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  {$3000.00} Date of First Deliquency XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} Date of First Deliquency XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date of First Deliquency XX/XX/XXXX XXXXXXXX XXXX  XXXXXXXX XXXX {$11000.00} Date of First Deliquency XX/XX/XXXX
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 protected. 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

In XX/XX/XXXX I became aware that a fraudulent PayPal account had been conducting transactions using my identity. The account was referred to collections because one or more transactions had been reversed resulting in a negative balance. I was unaware of this account until contacted by the collections agency, ACI. I disputed the debt with the collections agency and contacted PayPal to inform them of the fraud. Through an official CFPB complaint # XXXX, I was led to believe that this matter had been resolved. PayPal made an official determination that the account was fraudulent and I was told that I was not responsible for the debt, measures would be taken to ensure that no future unauthorized accountswould be opened using my identity, and would not be liable for any tax burdens resulting from the transactions on the account. Please see the attached letters and correspondencefrom PayPal to me. 

On XX/XX/XXXX, I received a 1099-K from PayPal for the fraudulent account. This 1099-K was issued in error and disregard for the statement made by PayPal during the earlier correspondence. PayPal is negligent in their handling of fraud and identity theft cases. I should not be liable for accounts and transactions that I did not conduct or authorize. I should not have to keep coming back to PayPal to clean up a problem that is entirely their fault and due to their negligence verifying user identities. If PayPal practiced industry standards for know your customer and fraud case management this would not have occurred.

I have attempted to contact PayPal through the XXXX email alias that was used to resolve my previous CFPB complaint. Even thought I put the CFPB case number in the subject line, no one has responded to me. PayPal 's automated system is not responsive and does not know how to easily connect me with a solution on this matter. I have contacted PayPal via telephone to request a revised 1099-K but was told that I could not request a correction until after XX/XX/XXXX. I explained that this 1099-K was due to fraud and I do not have control over the account associated with this 1099-K to make an official request. Further, the account has been closed as a result of PayPal 's fraud determination. While I have been issued an escalation ticket # XXXX, I was not afforded prompt resolution of a matter that is PayPal 's responsibility. PayPal needs to be held accountable for their negligence.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$30000.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$150.00} XXXX  - XXXX - XX/XX/XXXX - {$84.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$130.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$1300.00} INQUIRIES : 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2014 I was told over the phone, by the representative whom assisted me, that the forbearance which was placed on my account would remove the credit reporting for the period of delinquency for the same months that it adjusted the loan. This is supported by my XXXX as it shows non-reporting for XX/XX/14 ( which is 1 month in arrears meaning that the actual suppressed month was XXXX ). If XXXX was suppressed, from a call in XXXX, then the other months are eligible to be suppressed as well. As your prior resolution indicated, you must report accurate information. As shown, your company is willing and able to suppress/not report and remain in compliance with the Fair Debt Collections Practices Act. 
Responsible Servicing dictates that accurate information is to be given to the customer so that they may make an educated choice as to what to do. I was inaccurately informed that the account adjustment would also remove delinquency. I may not have used the adjustment period if I had been given the accurate information. I am limited to the number of months that I am able to have alterations to my repayment of the loan. Due to this I may have taken those months and utilized a different timeframe for use. I request that you review the telephone conversation to ensure accuracy of the information given. If this conversation is not available for review or when discovered that inaccurate information was provided, please remove the months of delinquency. 
Upon conclusion/ final response to this notification : REMOVE THE CREDIT DISPUTE NOTATION FROM EACH CRB AGENCY.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX  XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX