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

I sent a dispute requesting that the account for XXXX XXXX ( XXXX ) that was sold to : XXXX XXXX XXXX XXXX XXXX be removed from my credit report from Equifax, XXXX, and XXXX. The account is past it's time statute limitations of 7 years, it was opened XX/XX/XXXX and last updated in XXXX so the account was not validated, please remove this outdated account from my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

The following have violated my rights : -XXXX XXXX XXXX XXXX  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 also states consumer reporting agency can not furnish an account with my written concern.

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: Checking or savings account

XX/XX/year> : I attempted to transfer {$1700.00} from my checking account with Citi Bank. The transfer failed with a message stating, " For security reasons, we can not make this transfer, '' and provided a number to call : ( XXXX ) XXXX. When I spoke to a representative, they informed me that the transfer was stopped due to suspected fraud. However, they confirmed that the transfer was initiated by me. I asked if they could complete the transfer, but was told it needed to go through a " process '' that could take up to 90 days. I inquired about expediting this process, but was informed that it was not possible. 

XX/XX/year> : I received a call from Citi Bank leaving a message to verify a recent transaction flagged as fraud. They provided a reference number and instructed me to call ( XXXX ) XXXX, extension XXXX. When I called the number, I had to repeat all the details and go through a similar process as the previous day. I was given XXXX options : Open a New Account : Transfer the funds to a new account with Citi Bank. This seemed illogical because if my current account is locked, why would opening a new account solve the issue? 

Close the Current Account : This could take up to 90 days, during which time my money would be inaccessible and not earning interest. 

I asked why my account was flagged for fraud but received no clear explanation. The only information provided was that it had to go through the " process, '' with no further details.
Product: Vehicle loan or lease

I am submitting this formal complaint regarding a serious issue with my auto loan payoff, which has resulted in financial hardship and negative credit reporting due to the lenders failure to properly process my payment. 

I initially sent a payoff check from XXXX XXXX XXXX XXXX to USAA, but I was later informed that it could not be deposited due to the absence of my account number. However, despite this, the lender cashed the check. My loan remains open with XXXX XXXX XXXX XXXX, indicating that the lender has failed to apply the funds correctly. 

To address the issue, XXXX XXXX issued a replacement check with the same date and item number, but marked with a B in the top right corner. USAA then deposited this second check, but it was declined because the first check had already been processed. 

Despite multiple phone calls and attempts to resolve the matter, the lender has refused to research the issue and continues to deny that the loan has been paid off. Even after confirming receipt of a faxed request for investigation, they have still failed to take any action or acknowledge their mistake. 

As a direct result of their mismanagement : The original check was cashed, yet my loan remains unpaid in their system. 
The second check was deposited and declined because the lender had already cashed the first check. 
My credit score has dropped due to incorrect late payment reporting for XXXX and XXXX, even though the loan is fully paid. 
Despite confirming receipt of my fax and repeated phone calls, the lender refuses to investigate or correct their records. 
This situation is unacceptable and is causing unnecessary financial distress
Product: Credit reporting

They are asking me to pay money of XXXX dollars to get confirmation number and then open a dispute. 
When I try to call them they direct me to different departments, order, care and complaint. This has been happening for the past 1 year. 
If I try open an online dispute, they say they can not currently process it but ask me to call them and again the same process.
Product: Checking or savings account

My account was closed by Wells Fargo due to having suspicious XXXX activity. Every single person I have ever XXXX was a family member or a friend and theyre closing my account. Im stuck in XXXX and they will not allow me to access my funds! They say if they deem the transactions as legitimate they will continue to close my account and mail a check! Theyre holding my money for 20 days!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I wrote to your company indicating my dispute of information in my credit report. Experian has not responded to my dispute and therefore must update my credit file. The late dates which are actually submitted on my credit report sound very inaccurate or deceptive. You should furnish confirmation that this assumed account was in fact past due and that you have taken the vital practices to be able to appropriately learn more about your allegations. I do not believe I was late on the date you are reporting. Please report the payment status as positive and update the late reporting on this account. 

XXXX XXXX XXXX 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 Practices Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. Their actions have caused significant inconvenience and financial loss, and I seek redress for these violations.
Product: Bank account or service

Opened checking account with Discover Bank and fully expected {$300.00} from signup bonus. Emailed Discover twice, said I was eligible and that they were looking into it by escalating my issue. Waited for 1 month+ expected bonus post date.
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 RIGHT 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
Product: Student loan

After graduation, I put my loans into deferment so they would not have to be re-payed until XXXX. In XXXX, I had consolidated my loans and the representative said that ALL of my loans would be consolidated. I had sent her all of the Loan information received from my school showing which loans paid the school and how much each loan was. I had made my XXXX payment with the consolidation in XXXX. Every payment I had made with the consolidation company was on time. During this time, I had plans on purchasing a house. In XXXX, we had gotten preapproved and started looking at houses. We had put an offer down on a house late XXXX, and when they ran our credit once again, it showed up with XXXX over XXXX day late payments to ACS. I had never received a bill from ACS. They have never tried to contact me, but they reported on my credit report that I was over XXXX days late, and now I am reporting XXXX days late. This is significantly affecting my life, as now I do not qualify for a mortgage. ACS made no attempts to collect, and as shown on their website I have never made a payment and that is because I was unaware a payment was due. In XXXX, ACS had sent me a XXXX  statement which showed the XXXX loans I owed, and what my Yearly Interest rate would be, and showed on the XXXX statement that my XXXX payment would not be due until XX/XX/XXXX. If I was sent a XXXX XXXX XXXX statement, with information showing that I did not owe a payment until XX/XX/XXXX, how would it be that when my credit report was pulled in XXXX, I show XXXX days late? When speaking to ACS, They can not provide me an answer as to why I was never sent an invoice, and why they failed to contact me to inform me my loan was over XXXX days late.
Product: Mortgage

Last year our county sent the wrong amount to our mortgage company. We immediately called and told them the amount was incorrect county didnt have us as residents. We went to county on the same day and this was corrected. Then we get a notice the higher amount was paid. We called again and was told it would be corrected. County sent overages to mortgage company however we received a notice that our payment would increase almost XXXX XXXX  per month. We called again. Nothing was ever corrected. I called in XXXX and asked when we would be receiving overage? I was told they will look at in XXXX when I protested this they said they would look into. We did receive a notice that our payment was going down {$210.00} and we were owed surplus amount of {$1600.00} that is great however per their statement we need {$160.00} per month in escrow why do they need {$920.00} in this escrow account? I am a XXXX XXXX XXXX XXXX that is over 5 months? We are also in the process of removing PMI insurance. They have been using over money for over a year, also not paying us interest on our money I dont think this should be allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is in of violation of 15 usc 1681i
Product: Money transfer, virtual currency, or money service

I reached out to PayPal regarding getting scammed by a merchant who asked me to pay him {$14000.00} in exchange for XXXX cards via friends and family. I have conversations saved and his house was supposedly broken into and the product I ordered was stolen. He promised a refund which I have yet to receive. He provided PayPal fake tracking numbers further incriminating himself as well as proving that I purchased items that have not been received and because he demanded friends and family payment, Im left without a means to recover the money through their buyers protection. I was told by PayPal to open a dispute with my bank ( XXXX ) who I have also filed a complaint about and was assured they would work together to get my money back. XXXX is refusing to open the dispute because they lack the authority to reverse the charges and said I need to ask PayPal who hasnt been able to help. So Im going around in circles and Im still out over {$12000.00}, the only transactions that were able to be reversed were the ones made by credit card which were settled in my favor. Im left without any options and I need PayPal to investigate this and refund my money through a chargeback of the merchants account.
Product: Debt collection

These companies are using false deceptive unconscionable and misleading means in collection of a debt. Resurgent, LVNV Funding LLC, & XXXX XXXX are all consistently harassing me about a debt that does not belong to me nor has been properly validated. I have asked them to CEASE & Desist all communication on ALL mediums including to any non-affiliated third parties in collection to this alleged debt. Verify the debt provide validation and proof that I am LEGALLY OBLIGATED to pay them. Provide evidence for their authorization under the Fair Debt Collection Practice Act in this alleged matter. They have not. There is no agreement. I am declining any attempts by any other collection agencies in regard to this matter. Stop harassing me!!
Product: Debt collection

I began a lawsuit against my HOA last year after they began collection activities in XXXX and placed a lien on my home. Starting last year, they began refusing payments made toward HOA assessments. Additionally, a non-attorney provided legal advice in her correspondence with me ( XXXX - XX/XX/XXXX ). 

Additionally, I disputed the initial letter they sent and they failed to identify the original creditor of XXXX of the fees. 

I am a " consumer '' under FDCPA. and I allege XXXX, retained by the Association to collect the debt, is a " debt collector '' under the FDCPA. I also allege that XXXX violated the provisions of the FDCPA by attempting to collect future costs that I do not owe. The debt I owe to the Association arises out of a transaction entered primarily for personal, family, or household purposes. 

The file named " XX/XX/XXXX '' was the initial collection letter and the letter named " XX/XX/XXXX '' was the follow up after I disputed. I've also included a copy of the letter accompanying the lien they placed, named " XX/XX/XXXX. '' Please note to whom they state to make my payment payable as XXXX Parkhomes. The {$150.00} Transfer Fee belongs to In XXXX XXXX as shown in Attachment A of the PDF named " Contract '' which is the agreement between XXXX XXXX and In XXXX. They waived this fee in the file named " XXXXXXXX XXXX XXXX XXXXXXXX. ''
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and not accurate and according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates, 1. ) XXXX XXXX XXXX ( Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ). I sent a letter on XX/XX/2024 asking them to Reinvestigate the completeness and accuracy of the accounts listed but TransUnion is making it hard for me to submit my dispute they keep saying I sound like a credit repair company or ask for more identification Can you look into this problem
Product: Debt collection

was contacted in XXXX by Radius Global Solutions LLC re : a very old alleged debt originating from XXXX owed by my husband, XXXX XXXX. I informed XXXX XXXX that my husband was deceased as of XXXX and she responded that I was a co-maker on the debt. I agreed to make 3 payments of {$120.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX so she set up an auto pay from my checking account. The sum of these payments she stated were a reduced offer to settle for {$370.00}. She stated the amount owing is {$1200.00} but the XXXX payments would satisfy the collection. The {$120.00} was withdrawn on XX/XX/XXXX. However, a letter from Radius dated XX/XX/XXXX was addressed to XXXX an confirming the monies would be debited to the account on XX/XX/XXXX. I read the letter after XX/XX/XXXX. It then struck me I had no proof I was a co-maker on this debt and further the letter was addressed to my deceased husband although I had related he was deceased. I called XXXX at Radius on XX/XX/XXXX asking for proof to confirm I was a co-maker. She stated it was impossible to get me that information document and that all she had was electronic detail. I asked her to send me a letter with documentation and she again argued it was impossible. I then advised her I was withdrawing my permission and authorization for any further payments. 

At the time of his death, my husband and I were not living together.
Product: Credit reporting or other personal consumer reports

Tranunion reportin companies have had on goin Disputes since XXXX which l been forced to contact CFBP. On that date giving including statements attached below regarding this matter .TransUnion is. Credit reporting agencies. .which l have had on going problems Seeking employment housing aswell renting apartments ..which l noticed passed tranunion never allow me access to my credit report. For months ..out months l noticed inquiries. Due to being Denied for credit.. Notice items l have Been disputed for months haven't fell off. Due to after 30 days grace period tranunion tell you will receive a letter responding.transunion hasn't never sent response regarding items companies l have disputes .soon as l receive access notice ltems still on the account .past l hired company called XXXX XXXX firm whom agreed with my statement transunion refused to remove items from off your credit report .even if these accounts doesn't belong long on your account .l noticed .on my Credit monitoring only tranunion report is showing on my credit scores ets. Which l noticed has decreased Even after the accounts showing paid. On time ..I contacted tranunion specialist. I decided to record are conversation. Tranunion customer ser provided me a date of 30 days. That these people whom stated l owe to respond .notice after the 30 days these items are still showing haven't fell off.. I decided to contact the customer whom also sent me information in the mail ..apologies to me for my inconvenience. One company Called XXXX XXXX XXXX  stated reason they couldn't provide bill .company stated my account didn't match there records. Since XXXX these accounts still showing. XXXX  corporation even have Collections agency. Has reported. Placed my credit report account. In horrible situation. I'm unable to rental housing
Product: Credit card

Between XX/XX/XXXX and XX/XX/XXXX I was the victim of identity theft. The theif fraudulently used XXXX existing credit accounts I had and also opened XXXX new Credit Card accounts in my name without my knowledge or consent. 
On XX/XX/XXXX I made a request in writing for all of the information available to victims per Section 609 ( e ). I was sure to include Verification of my Identity in the form of my driver 's licensce ( front and back as well as a selfie of me holding the license ), a copy of the local police report detailing the specific establishment of their card as well as a copy of my Federal Trade Commission Identity Theft Report. I actually included a copy of the " Summary of RIghts under the FCRA to Victims '' sheet becuase I encountered so much resistance when requesting any information by phone. Not a single company complied with my request. a few of them flat out told me NO and that without a subpeona they would not give me anything. I know this is wrong and I can not bring the identity theif to justice without the cooperation of the credit card companies and retailers.

The following companies were contacted, the request was made in the proper manner and they are actively working against me in trying to resolve this Identity theft matter. Some of them claim to have done thier own investigation but as far as I can tell they are not interested in any investigating. The company got made whole by insurance and they don't care if they helped controibute to your ideintity being stolen- not thier problem. 

XXXX- THE WORST, TOLD ME A SUBPEONA WAS NEEDED XXXX XXXX  XXXX  _ LIED TO ME AND TOLD ME " THE INFO WAS SENT OUT THE OTHER DAY '' _ NOTHING EVER CAME XXXX  XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

Two American Express accounts were opened fraudulently in my name 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX I have contacted American Express numerous times to get the information needed for the police report. Each time I call American Express, I am informed of different information and requirements needed to get the report. 

1st calls/conversations : The initial conversations I was told to mail in either a copy of a government-issued ID or a copy of the police report. I did this via USPS with a tracking number. 
2nd calls/conversations : When I called back to ask where this was in the process they informed me they had not received the document even though it clearly showed that it was received. The address was verified as correct. Additionally, I was informed that it must be BOTH the police report and copies of my ID and that since my original documents were lost that I could upload the documents to the website at www.americanexpress.com/XXXX. 

3rd calls/conversations : I had to call back again as I was not provided a reference number to upload the documents. In which I was informed that I could not upload them and that the must be mailed in. When I asked if my original document was received Ameican Express insisted the documents were never received even though they also verified the tracking number insisting it must have been delivered to someone else with all of my personal identifying information. Additionally, they informed me of a new requirement to submit a notarized affidavit along with all the other requirements. 

When I requested the instructions be provided in writing to prevent the continued miscommunication American Express has refused. They also have no resolution for the missing documents received verified via tracking. It seems it will be next to impossible to get American Express to assist in providing the fraudulent application information over to the detectives investigating. 

I have had this situation with one other credit card provider and none of the issues that I am having with American Express. I can not believe how uncooperative they would be in trying to help investigate a fraud case.
Product: Vehicle loan or lease

my vehicle was repossessed by TD auto finance. I was behind granted due to some financial issues. I had tried previously to speak with reps about a deferment and said I could n't have one nor do a repayment plan. after they picked up my car I asked if I could just pay what was past due and hold off on the late charges. one rep stated that I could n't so I asked to speak with the manager she gave me a supervisor. he said no as well. I called the next day to try again. I spoke with a girl name XXXX and she did try but said no one was there for me to speak with. I called back and got the same rep back from the previous day she said no and would n't allow me to speak with a manager. I asked for the manager name and she told me they do n't give out that information. she hung up on me. then I spoke with another guy named XXXX I asked to speak with a supervisor again. he said that I had already spoke with one and the answer is no. I asked him why was up raising his voice. he stated to me that I was lying on people and he said he was going to hang up so he did. I was treated very unfair by them. then after I had to beg people for the money to pick it up I had to pay addiontional fee on top of the money I had already paid td auto finance to get it back. after I paid td I had to call hide and seek recovery not know I had to make an appointment with them to get my car. they did n't want to release it. they wanted me to wait an additional day on top of what I had paid to be charged more money. I adv the lady I spoke with that I had no other way to come back to XXXX, texas if I did n't have a car. they finally gave it to me. I did n't appreciate how td auto finance handled their end. just because a person is down on their luck does n't give you the right to be rude. also they would n't provide me with any docs showing what I paid