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

I want to settle any misunderstandings with my account in a timely manner. Im writing because in my recent credit report there are XXXX late payments which are inaccurate. I have provided the documentation to showcase the errors. These errors need to be addressed immediately otherwise I will file a complaint. I have reached out several times and nothing has been addressed. Late payments for the date below are in accurate XX/XX/year> I had an extension for XXXX and XXXX and have provided that information. Please report to all credit bureaus with the correct information immediately. 
XXXX and XXXX of XXXX I was also not more than XXXX days late. There were XXXX checks that were sent to me and cancelled and applied to my account. This took weeks to correct with a handful of calls. PLEASE take the time to review and fix these mistakes immediately. 

XX/XX/year> Again, I had an extension!!!! please correct immediately Please carefully look at my account, yes XXXX was a tough year for me and I was late several times but never long enough to be reported to all credit bureaus. I am planning to purchase a home, and these incorrect missed payments are hurting the chances of that. 

XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Cash app sold my stock on XX/XX/XXXX without my knowledge or consent. They claim my account violated their policy is the reason. Ive asked what is the violation and nobody will tell me. There has been no violation on the account. They didnt take my bitcoin due to the supposed violation. I emailed them about this and they claim to have sent me an email on XX/XX/XXXX saying to transfer my funds that I never received. Im told the account is closed, however the shares they stole have still received dividends per the cash app account. Still happening after they claim the account is closed and I have no shares. I have no idea where the dividends are going. I was not told or asked about selling my shares. They did this illegally and have not returned my funds or shares.
Product: Credit card

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Product: Credit reporting or other personal consumer reports

Hi TransUnion, I just received a copy of my credit report and I saw those inaccurate fraud accounts that shall delete from my credit report. 

I spoke to the fraud team and the manager told me that those 3 XXXX XXXX XXXX SHALL DELETE AND HAS BEEN FLAGGED AS FRAUD BY XXXX.
Product: Money transfers

I use paypal for several years and reciently was given an option to make " paypal '' credit my default payment option. When I did this, about a week later I got a call from my bank saying I was over drawn upward of XXXX+ $! This was overdraft and nsf fees included. I called paypal and was basically told that I should have known I could n't use paypal credit as my XXXX funding source and they refused to fix the issue. I called my bank and they say said unless paypal admitted fault they couldnt refund the fees. I went back and fourth for almost 2 weeks and by this time my bank account was nearly XXXX dollars in the negative! I spoke to a manager at pay pal again and he basically told me in no uncertain terms that it was not his problem that I was n idiot and did n't know how to read fine print. I took a screen shot of the page where I checked the box asking if I wanted my ppcredit or my bank to be my XXXX source of funding, and nowhere on that page, in any fine print does it say that my bank would remain my XXXX funding source. Now I have payed my bank back out of my own pocked ( technically paid for services XXXX ) and now paypal is demanding I pay them over XXXX dollars because my bank requested back the money taken out, which they have yet to return. I truly feel this huge corporation which I used to be completely fond of and found extremely convenient has gotten too big for their britches and has gone from a caring consumer driven company to an unethical money hungry company who could care less if they lose one little peon like me. 

Saddened and still in the Negative, XXXX
Product: Debt collection

This collection has been repeatedly reported to my credit file.This is the third company to buy this account and report it..I have formerly filed a complaint with the CFPB about this account when it was owned by another collection agency and it was successfully removed twice before ... It was deemed a " frivolous '' collection by XXXX on XX/XX/2020 after being investigated ... Neither former owner of this collection has been able to legally validate this debt as belonging to me ... Furthermore, Contract Callers Inc. never issued me written notification of any kind to inform me of an attempt to collect this debt before reporting this collection to two of the three major credit reporting agencies. I find it reprehensible that I have to constantly defend myself against a debt that does not belong to me and keeps getting passed from one collection agency to another and being reported to my credit file to the detriment of my credit rating ... I have also file disputes with the bureau 's with the grievance of this being a violation of the Fair Credit Reporting Act as a frivolous account ... I ask that the CFPB respectfully investigate this issue.The Fair Debt Collection Practices Act does not give this company or any collection agency the authority to force me to consent to contract with them. This company has not shown me their lawful authority to enforce an alleged debt claim against me to my detriment without my consent. Furthermore, This company is in violation of the Fair Debt Collection Practices Act by the use of misleading representations and unfair and deceptive practices in the attempted collection of a debt.
Product: Debt collection

Phone call on home landline phone from Advance Capital Solutions claiming to be a debt collector and alleging that I have an outstanding debt from 2011 to XXXX in the amount of approximately {$160.00}. Wanted me to pay it immediately by credit card or send check. I told them the debt was not mine and requested a copy of the XXXX membership contract with my name. They kept insisting it was my debt and I needed to pay it. I said when I receive information then I will probably file a police report of identity theft if it truly shows my name and address, etc. I gave them my address to mail to. They said they would, however since then I have found by using their phone number on the internet that they are either a scam collection agency or a real agency with fraudulent practices. Phone number was XXXX Ext XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my right under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 166b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

So, this is the fourth complaint about USAA. They keep putting adjustments on my account and i have proof. then I write to them and file a dispute that they " lose '' and now they have turned me into collections. so, they lied and said they did n't adjust my account for XXXX. And that i lied about them, so I will upload that credit card adjustment. MONTHS after a dispute was closed they added a {$500.00} charge to my account and though I have told them, they are charging late fees and finance charges over and over and telling me that I owe this money without proof. they adjusted my account for XXXX dollars and it was not a purchase. they are charging late fees and finance charges and have turned me into collections. they are saying they gave me this money and I have asked for proof. When I asked why they put XXXX back on my other card, they instantly lied and said they did n't do it. I am attaching both adjustments. The XXXX was removed. They XXXX was not. They keep lying about it. I want proof of why they keep adding money to my card which is not purchases and i do not owe MONTHS after a dispute is closed. Please help me, I have filed over XXXX disputes with the company that they claim to lose.
Product: Credit reporting or other personal consumer reports

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.
Product: Checking or savings account

" I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists ''
Product: Credit reporting or other personal consumer reports

In XXXX I contacted this company and the representative in my state of Massachusetts, they told me that this account was closed and that they did not have this account in their records, I have called them and they say that the account does not appear. I am looking in my report that since XX/XX/XXXX they have not updated the information in my credit report and this account appears as an open account and this account was closed. 

It says that it has 7 late payments, but they have not updated the status since XX/XX/XXXX, which is false and affects my credit reputation. Since if what they say is true, there must have been more than 30 late payments. This account has false and inaccurate information because it also has an amount that does not correspond to it and the other Bureaus have only two late payments!! 

XXXX XXXX XXXX XXXX Highest balance {$1700.00} This account does not even have the balance with which it was opened, it has a lot of incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

multiple inquires from XXXX XXXX transunion XXXX and XXXX
Product: Consumer Loan

Lease contract was signed on XXXX/XXXX/2016 and BMW XXXX was delivered same day. Noticed scratch on the rear panel and reported to the salesman, XXXX at XXXX XXXX. He arranged to pick up car 2 days later with a lesser class loaner in exhange. Car is being in the shop for 10 days, returning on XXXX/XXXX/2016. First payment was submitted through dealer for the XXXX/XXXX/16 lease date. Next payment due is XXXX/XXXX/2016, according to a billing error by BMW Financial. They claim that the dealer has submitted my lease with the XXXX/XXXX/2016 start date, even though the lease began XXXX/XXXX/2016. Nobody wants to assist and fix the error. They moved the due date 5 days earllier.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Lender, XXXX XXXX, locked my rate at 2.875 % on XX/XX/2021 and didn't explain the rate was locked until XX/XX/2021 and what that meant. 
On XX/XX/2021 I was informed XXXX XXXX was no longer with the company, Velocio and she had failed to provide me important details such as other options I had. 
I was unable to close on XX/XX/2021 due to COVID related issues/staffing, the winter storm, I didn't have electricity in the home, causing the XXXX XXXX  XXXX inspection to be delayed, the HVAC system wasn't working, and there was a construction related incident on the 2nd floor of the home causing the HVAC system to be turned off until it was fixed. All of this took place the week of XX/XX/2021 - XX/XX/2021 The issues above were out of my control .My realtor reached out to the Builder manager to ask for perks and the builder offered two items totaling less than {$1000.00}. 
We wanted the rate bought down from 3.65 % to 2.875 %. The monthly mortgage went up by $ XXXX. That is a lot for a single mother who promptly turned everything in. 

Builder : XXXX XXXX ( XXXX XXXX & XXXX XXXX ) Mortgage : Velocio ( XXXX XXXX, XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I got an alert a few weeks back that I had a new inquiry reported on my credit report. After Observing I noticed I had inquiries that were not approved. I did not approve these, I did not apply for these, I was never notified of these, I did not provide any info for these nor am I in the market for credit. These Include Inquiries XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against the XXXX XXXX  credit reporting agenciesXXXX TransUnion, and XXXX their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding the reporting of collection and charged-off accounts with inaccuracies and improper balances. The CRAs are not investigating these accounts. They are just coming back saying the account is verified accurate. I have requested a " Forward Flow Agreement '' from XXXX XXXX XXXX, a third party Debt Collector who purchase this account in a bundle. they are reporting an incorrect balance. I have requested 1099Cs from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX for updating my taxes. They received insurance on this charged off account so it should not be reporting a balance. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. These errors directly violate this obligation. Charged-off accounts are being reported with remaining balances, despite federal regulations stipulating that once charged off, written off balances should reflect the true amount owed or XXXX if forgiven. These inaccuracies are negatively impacting my creditworthiness and ability to access financial opportunities.
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 rights to privacy and confidentiality under 15 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 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: Money transfer, virtual currency, or money service

I was defrauded by a woman going by the name XXXX XXXX who claimed she was from the XXXX XXXX. We were involved in an online relationship from XX/XX/XXXX to XX/XX/XXXX. I made numerous attempts to bring her to the United States and in the course of the relationship, was defrauded of over {$28000.00}, most of which was sent to her in moneyXXXX transfers using CashApp. CashApp is the subject of my complaint. I have attached a letter documenting my complaint. 

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

This is my follow-up complaint to inform you that I am a victim of identity theft. The items I am disputing today have no connection nor affiliation with me and my transactions. 

Please remove the listed items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} XXXX XXXX Balance : {$3000.00} XXXX XXXXXXXX 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 or other personal consumer reports

I need this account to say the same thing as XXXX XXXX and XXXX. I tried to dispute this, but Experian didnt understand.
Product: Debt collection

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. That was opened on XX/XX/year> of the amount of XXXX. Please remove these accounts from my report they are hurting my ability to obtain credit.
Product: Mortgage

Went through a job change a work originally applied for a modified loan in XX/XX/year>. It was approved then there is a trial period for reduced payment for three months. We heard nothing after attempting to communicate- we then had to go through another trial which we paid on time and no issues- I was unaware that the state at placed a lien on the home- we finally got communication that the second modification was approved but couldnt move forward because of that lienXXXX XXXX days later we got a notice saying the home had been sold in auction, they sent a letter after all this with old documents stating they went back to XXXX for the foreclosure. We never received any dates or official letters from them- this is clearly illegal and there is wrongdoing- I had no notice and no I have to leave my home with no money and nowhere to go.
Product: Money transfer, virtual currency, or money service

Subject : Unjustified XXXX Fee for XXXX Transfer I am filing this complaint against Revolut regarding an unjustified fee for a recent international bank transfer. 

On XX/XX/year>, I transferred XXXX to my account in the United States from my XXXXXXXX XXXX  Account. There was no currency conversion involved, and Revolut deducted an additional XXXX as a fee which was charged to my XXXX XXXX account. This effectively doubled the amount charged for the transfer, totaling XXXX with XXXX being charged by my XXXX XXXX  account, XXXX by Revolut for receiving the transfer, and XXXX Euros being the amount sent. 

I reviewed Revoluts cardholder agreement and fee schedule, both of which fail to mention such a fee for a transfer in Euros to an account accepting Euros. The absence of transparency surrounding this charge is concerning and feels misleading. I co

ntacted Revolut support but did not receive a satisfactory explanation. Further, Revolut provides a FALSE XXXX  code that is not applicable to an international bank transfer. This is concerning as I had to use a different XXXX code than provided by Revolut which may be the issue with the fees. 

Therefore Revolut is fraudulent in their banning behaviors and activities in the United States and needs to be investigated.
Product: Credit card or prepaid card

On XX/XX/XXXX, Chase attempted and failed to debit my bank account for an autopay transaction due to insufficient funds. On XX/XX/XXXX, Chase attempted another debit which completed successfuly. Regardless, I was charged a returned payment fee and interest on the balance. I contacted Chase over the phone and was connected to a support agent. I requested reversal of both returned payment fee and interest charges and I was only granted a reversal of the former, which I accepted. I then inquired whether any residual balance remained that would collect interest. The agent told me that there was no revolving balance that remained. On XX/XX/XXXX, I was charged interest once again, suggesting that the agent misinformed me. I reached out to Chase on XX/XX/XXXX through secured message asking for reversal of this interest charge and the company refused and did not address the content of my message, simply explaining what residual balance was, so all I received was a boilerplate response and no clear interest in resolving the issue. I have no idea whether my balance is still collecting interest or what is going on and I have no confidence in support agents ' ability to answer accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneousThe XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance {$4800.00}.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. the list of accounts below has violented my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 604 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 my make any consumer report containing reporting agency may make any consumer report 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, credit repair services, or other personal consumer reports

When I re-investigated my credit report, I realized that some of the information was erroneous. The Equifax and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : Equifax : XXXX OF XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX : {$0.00} XXXX : XXXX XXXX XXXX : {$0.00}