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

On XXXX first Transunion reported a late payment from XXXX XXXX XXXX XXXX, In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 usc 1681 section 602 A. States I have a right to privacy.

15 usc 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666-1666j This Act, amending the Truth in Lending Act, requires prompt written acknowledgment of consumer billing complaints and investigation of billing errors by creditors. The amendment prohibits creditors from taking actions that adversely affect the consumer 's credit standing until an investigation is completed, and affords other protection during disputes. The amendment also requires that creditors promptly post payments to the consumer 's account, and either refund overpayments or credit them to the consumer 's account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on credit report. i am a victim of identity theft
Product: Money transfer, virtual currency, or money service

XX/XX/2020 This complaint is against PayPal Credit Card for deliberately ignoring my dispute of a billing error on their statement dated XX/XX/2020 in violation of section 1666 of the Fair Credit Billing Act ( FCBA ). 
On XX/XX/2020, I contacted PayPal Customer Service by phone and spoke with a Customer Service Supervisor named XXXX. I informed Ms. XXXX that I am calling to dispute an amount listed on the XX/XX/2020 billing statement because I believed it was a billing error. My dispute was based on PayPal Credit ACCOUNT Agreement section titled YOUR BILLING RIGHTS SUMMARY and the FCBA.

After receiving my dispute, PayPal was required by FCBA to take the following actions : 1- Provide written acknowledgment within 30 days of receipt of the dispute.

2- Conduct an investigation of the disputed amount. 
3- Provide me with a written explanation or clarification after having conducted an investigation, not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after receipt of the dispute. According to section 1666 of the FCBA, the written explanation should set forth the reasons whether the creditor believes the account of the obligor was correctly shown on the statement, or whether there was an error.

It has been more than 90 days since I contacted PayPal Customer Service and submitted my dispute. However I have not received ( 1 ) an acknowledgment letter within 30 days and ( 2 ) I have not received a letter explaining the results of the investigation and whether PayPal Credit has found the amount in dispute a billing error or not.

PS : THIS COMPLAINT IS ONLY ABOUT PAYPAL CREDIT IGNORING MY DSIPUTE. THIS COMPLAINT IS NOT ABOUT THE DISPUTED AMOUNT. I RETAIN THE RIGHT TO SUBMIT A DIFFERENT COMPLAINT ABOUT THE DIPSUTED AMOUNT IF NEEDED.
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 E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these actions.
Product: Mortgage

A tree fell though our house six weeks ago. Because we still have a mortgage with PNC, the insurance agency wrote the check to both us and the bank. It has been five weeks that PNC has had the check. 
They sent us a " document Package '' containing all of what THEY require before they will give us the money to stabilize and rebuild our home. PNC has never contacted us to inform us of any issues with the documents. 
We have contacted them at least twice a week to see when we can expect the needed funds. EVERY TIME we have contacted them, they claim one of the required documents is not right. We have always instantly responded and uploaded the changes or requested information. We have begged, requested and demanded that they tell us exactly what we need to submit and for five weeks, EVERY TIME WE CALL, there is another issue. We have escalated our concern to highest level of management today but do not expect any resolution soon. 
We have spent thousands of dollars of our own money to help stabilize and reconstruct our home. We just opened another line of credit so we can purchase supplies for the construction company. The construction company is now threatening to move on to other projects because of the financial delays. 
We also now are dealing with mice and other animals that have decided to live in our walls. 
The insurance company is requesting explanation for delays as they are paying for us to live in a hotel room. 
PNC delay is also causing further deterioration of our home. 
My wife and I have experienced emotional and physical issues because of their behavior. 
They have all the needed documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to violate my right to privacy by continuing to harass me by submit negative, harmful and detrimental information to the three credit reporting agency. This is continuing to be done because I asked them to validate a debt and they have not.They refuse to validate a debt and instead continue to attack my character thru unlawful reporting. Pursuant to Federal Law 15 USC 1692g their continuing to report harmful, character deeming information is against my rights as a Consumer. Furthermore, pursuant to 15 USC 1681 under the FDCPA I have a right to privacy. I did not give them permission to report anything to anyone. 
In addition, XXXX, XXXX, and Exquifax continue to allow them to report and I did not give them permission either. I am the Consumer, I have a right to privacy. They can do as they wish to a citizen but NOT to a natural person, consumer, citizen of heaven.
Product: Credit card or prepaid card

On XX/XX/2020 my bill did not go through account with missed payment. I am kindly requesting WELLS FARGO BANK CAR to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Checking or savings account

Ally Bank unable to open the bank account due to the ( 1 ) unable to verify identity and ( 2 ) negative information as reported
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. I told XXXX, XXXX XXXX equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this items as soon as possible.
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 has violated my rights. Or 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 reporting or other personal consumer reports

I've filed bankruptcy and the information for all accounts were updated and wiped away. Certain creditors after a year reported the account information causing my credit score to drop substantially.
Product: Debt collection

The lender lent money intended to be used for forgivable purposes per the XXXX XXXX. The funds were used according to the note however the lender breached the contract when they failed to process and submit the forgiveness application within certain statutory deadlines. 

A year and a half later the lender claimed that they lent more than was approved even though their authorized lending official, XXXX XXXX, on behalf of the Lender, certified that the review complied with the applicable lender obligations set forth in paragraphs 3.b ( i ) - ( iii ) of the Paycheck Protection Program Rule and the Lender had obtained and reviewed the required application ( including documents demonstrating qualifying payroll amounts ) of the Applicant. 
After numbers attempts to resolve the issue on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX Wells Fargo XXXX XXXX XXXX XXXX, Ref Number XXXX and XXXX ; direct number ( XXXX ) XXXX; confirmed that On Friday XX/XX/XXXX the case was forwarded to the XXXX to be decisioned. In which during this time the loan would be deferred. 

On XX/XX/XXXX I forwarded confirmation that the appeal for Loan.had been received by the XXXX XXXX XXXX XXXX  XXXX.Borrowers/Appellants XXXX defer the payment of the PPP loan XXXX the processing of an appeal. 


On XX/XX/XXXX the Dedicated XXXX Loan Review XXXX in the XXXX XXXX XXXX, XXXX XXXX, confirmed receipt of the appeal and forwarded it to lenders XXXX department. 

Despite all efforts to communicate and resolve the issues with the lender they refused any direct communication with any decision makers or underwriters and their collections department continues to ignore the deferment and continues attempts to collect in violation of CFPB rules, and the lender is in violation of usually and predatory lending. 

The attached recent statement are in error due to conflicting balances and violate reasonable deadlines to make payments on a loan as they list due dates which fall within a week of the date the statements are received. 



Former complaints regarding this lender. 
XXXX XXXX These complaints have gone unresolved and I request that a thorough investigation be made.
Product: Student loan

I have tried to contact this company numerous times in regards to repayment. They either don't answer the phone or place me on an extremely long hold with no resolution insight. the one time I was able to contact them they informed me I would have to pay over {$5000.00} upfront to become current and that they couldn't offer me a payment plan or any type of arrangement until I made that payment. they have now start reporting to my Social Security number as a default payment but the account is still open and they refuse to close it although it's been over 10 years since I got the loan. When I tried to reach out during Covid they sent my call over to another company that they own who is now handling the payments but the company refuses to give me a name and I haven't received any correspondence in over three years in regards to this loan, but every year they take my state tax and any other aid that comes my way. Any time I do get a person I try to express my hardship, for me to be told there is nothing to be done outside of paying that lump sum upfront. I was encouraged by my school to get this high interest loan to cover a few XXXX dollars. I was short for the semester to now oh almost tripled, that amount that I agreed to because of interest.
Product: Debt collection

Good day, I can not overstate how frustrating and overwhelming this situation has been. Waking up to discover a debt I have no knowledge of, unverified and clearly not mine, is deeply unsettling. To add to this, Ive been bombarded with harassing communications from various platforms, employing aggressive tactics, and even facing threats of legal action. This is beyond insulting as a law-abiding citizen, and it is a blatant violation of my consumer rights. The stress and XXXX  this has caused have taken a serious toll on my mental health, leading to sleepless nights and constant worry.
Product: Credit reporting, credit repair services, or other personal consumer reports

In or about XX/XX/2020, I disputed Collection Services of Athens ' entry that was on my credit report. The credit reporting agencies completed their investigation, but did not remove the entry. In or about XX/XX/2020, I mailed a certified letter to Collection Services of Athens requesting debt validation. They did not respond within 30 days per The Fair Debt Collection Practices Act, but they continue to report this debt on my credit report.
Product: Credit reporting or other personal consumer reports

My request is to have this account removed from my credit report, as it is not rightfully mine, and its appearance disappoints me profoundly. In accordance with FCRA 605B, prompt removal is mandated due to unfair and inaccurate reporting.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the findings of your recent investigation into XXXX XXXX XXXX, Account # XXXX. Your investigation, as outlined in your correspondence dated XX/XX/year> failed to meet the standards required under Section 1681o of the Fair Credit Reporting Act ( FCRA ).

Under Section 1681o, consumers are entitled to recover damages resulting from negligent noncompliance with the FCRA. Your failure to conduct a reasonable and thorough investigation constitutes a clear violation of this statute. Specifically : 1. Failure to Investigate Submitted Evidence : I provided [ list specific documents, evidence, or supporting materials ] on [ date ]. This information appears to have been ignored or inadequately reviewed during your investigation.

2. Inaccurate or Incomplete Findings : The conclusions reached in your investigation do not align with the evidence I provided or the facts of the matter.

3. Negligent Noncompliance : Your investigation process did not meet the standards required by the FCRA, as it failed to reasonably ensure the accuracy and integrity of the reported information. 



I request that you immediately re-open this matter and conduct a proper investigation. Additionally, please provide me with a detailed explanation of the steps taken during your initial investigation. If you fail to address this issue adequately, I reserve the right to pursue legal remedies as provided under Section 1681o, including recovering damages caused by your negligent noncompliance. 



Please confirm receipt of this letter and provide a response within [ state a reasonable timeframe, e.g., 30 days ], as required by law. Should you require additional information, feel free to contact me directly at XXXX, XXXX. 



Thank you for your attention to this matter.
Product: Student loan

Hi- This is a federal loan. I don't understand why this isn't deferred until XXXX, like all the other Federal loans? 

This loan was originally handled by XXXX XXXX XXXX XXXX back in XXXX during a " loan rehabilitation '' by a person by the name of XXXX XXXX who : 1 ) Communicated to me at place of employment even though collector knew the employer prohibits such communication. Also led to lower wages due to less hours worked due to long waiting times ( 30 min - 1 hr ) 2 ) Called over and over again After the " loan rehabilitation '', XXXX transferred the loan to AES ( American Education Services ). 

AES has been reporting late payments to the credit agencies & negatively impacting credit scores, even though there is a pause on federal loans. 

Is there a reason for this? I've asked them multiple times and they have not responded with any answer. 

Also this is a loan from XXXX, why is it still outstanding? Either be private or be the government. This company is profiting and benefiting from privileges given to private companies & governmental agencies without incurring any of the negative ramifications that COVID19 has left society. 


Thanks, 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 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 on 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: Credit reporting or other personal consumer reports

I have filed over 10 disputes through XXXX and XXXX and XXXX trying to get USBANK to report my USBANK credit card with a XXXX balance .. they state they are reporting my account accurately but thats a lie! I paid off my USBANK credit card on XX/XX/year>. They show me with a balance back in XXXX which is true but they never update my account! Its been paid off since XX/XX/year>! Please help me .. this is hurting my credit score..
Product: Debt collection

I have tried to work with capital to find resolution to falsification of my residency and to correct their mistake but was not successful. 

My last attempt was today I spoke to supervisor and was advised nothing can be done. XX/XX/XXXX. 

I am asking fro phone records from capital one and their hired firm XXXX XXXX XXXX to proof that I was working in Texas and living in Minnesota. This false a statement and I want to challenge this they are claiming because of this statement they were able garnish my account for XXXX dollars however the firm knew I was in Texas I spoke XXXX ( XXXX XXXX XXXX ) numerous times and told him I was in Texas while his agency was not licensed in Texas I called capital prior to collection and still they proceeded with garnishment. 

I want capital one to follow the law and be brought justice for braking Texas collection laws : No, but third-party debt collectors and credit bureaus are required to file a {$10000.00} surety bond with the secretary of state before engaging in debt collection. Tex. Fin. Code. 392.101. The bond must be in favor of the State of Texas for the benefit of any person damaged by any violation of Chapter 392, Finance Code. Id. 

Also my attachment shows that court was aware of my address as of XX/XX/XXXX. 


My main complaint here is falsely stating my residence the only way I believe this could to cleared is to review those phone calls with capital one and XXXX XXXX  XXXX. Just falsification is scary and I fear that others could find themselves in the same problem when agency is asked to follow the law they should and accuse the consumer of lies so they can justify their false actions. I also ask for penalty to accessed because this is violation of fair debt collection practices.
Product: Credit reporting or other personal consumer reports

The primary information being reported are not correct such as the open date, date last activem date of payment history. These are all violations of the Fair Credit reporting Act, which is harming me from obtaining funding to buy a home for my family. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannon furnish a account without my written instruction.
Product: Vehicle loan or lease

There's a due process system which this country title court proceedings in this case. However the courtsystem in XXXX; hasn't been  just Or fair for all persons. Kia motors and Hyundai are two separate entities. My contract is only binding to Kia Motors and no others. XXXX XXXX XXXX still remains within the parameters of her contract with Kia.... The vehicle defectiveness and maintenance problem should be repaired by Kia Motors in XXXX.1) due to warranty obligations2) because that's the contract enter in3) all complaints hasn't been repaired4) retaliation due to the complaints do not justify the removal of the vehicle from the XXXX parking lot unjustly. XXXX XXXX   and XXXX XXXX aren't representative of Kia.  No default has occurred since the purchase. Why do we have unauthorized personnel driving the vehicle; has it been repurchase since XX/XX/2019? No; if yes then I do not have any further obligation to Kia or the vehicle. As veteran and retiree I reserve the right to express and voice consumer issues as they pertain to safety, effectiveness and efficiency !!!Consumer problem with maintenance and high attention to detail.. Still under maintenance contract...The vehicle still has not work to my expectation especially as a brand new purchase.
Product: Mortgage

I set up a payoff with Rushmore and my deadline to pay off was on XX/XX/XXXX. I made a same day wire transfer on XX/XX/XXXX for {$50000.00} to their XXXX XXXX account. They started calling me asking for {$200.00} because I missed the XX/XX/XXXX deadline. They claimed they hadnt received the payoff until after the deadline on XX/XX/XXXX. I emailed and faxed them proof of payoff showing a XX/XX/XXXX pay date. Was told I would get a call back last week or early week worst case and heard nothing from them. Yesterday, I called to get a status as I noticed they refunded me the {$50000.00} back to my bank account. Who refunds {$50000.00} for a {$200.00} problem that they couldve just did an override after showing proof???!! Oh, this company does! The supervisor told me they were still working on it and he had no answers. I paid them in full and they refused to release my deed. Now they refunded my money with no answers.
Product: Credit card or prepaid card

I applied for Chase freedom unlimited credit card in XX/XX/XXXX through a referral link I received from Chase card holder. After opening the link an offer popped up saying apply now and receive {$200.00} bonus if spend {$500.00} in first three months. I did not receive a bonus and so I contacted Chase in XX/XX/XXXX. I repeatedly received a reply stating you have other offer activated on your account ( 3 % cash back ). There was no disclosure on the offer page saying offer may change. Chase did not inform me before, during or after application about changing the offer.