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

XXXX XXXX, delteted an account from my credit file. Now they have are adding it back to my credit file one by one. When I checked my credit it now reporting on my XXXX report saying I owe XXXX ( Whom I 've NEVER DONE BUSINESS WITH ) .. XXXX This account was deleted from all three of my reports late XXXX of 2017.. The FCRA states I must be notified in writing before it 's placed back on my credit. I never received notice. I believe I never received written notice because I 've informed them this account is fraud. It does n't belong to me. I have been a victim of fraud!! I also ask this company for validation of this debt and never received it. I received a letter from XXXX XXXX stated they would Deleted account from my files. *PLEASE ATTACHED INFORMATION *
Product: Credit reporting or other personal consumer reports

My federal XXXX  loans that are currently active and open with the Creditor XXXX XXXX XXXX are being deleted from my credit report ( Transition, XXXX, XXXX ) resulting in a score decrease. This first happened with Transunion ; after multiple phone call, I was able to get them to insert the loans back onto my report. Days later, the same thing occurred with XXXX. I was informed by my student loan provider that for some reason, the bureaus are removing the accounts since they are over 7 years old. I am unsure how this is happening but it is affecting my scores negatively. I need to ensure the bureaus are accreting reporting my information.
Product: Credit card or prepaid card

I received a letter from CitiFinancial on XX/XX/18 regarding a change in my credit line. They dropped my credit limit from XXXX to XXXX while my balance was currently XXXX they said this was due to reporting on my XXXX credit bureau but I have had and maintained this credit limit for years without missing a payment. This decrease in credit line will damage my credit further as this left me with XXXX available credit while a day prior I had roughly XXXX available and puts me almost to the point of maxing out my card when next interest rate hits. This feels very predatory and a terrible way to treat customers.
Product: Checking or savings account

I have been the victim of identity theft. Several bank accounts have been opened in my name fraudulently. i have filed a report with the FTC and have also filed a dispute with XX/XX/XXXX. I also have other non banking accounts opened in my name on my credit report and have filed disputes on those also. I have supporting documentation and want the information removed from my XX/XX/XXXXXX/XX/XXXXreport. I will also be filing a separate complaint if the credit bureaus do not remove the fraudulent information after they finish investigating the disputes.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I completed a transaction over PayPal. I sent an amount of $ XXXXUSD to a man named XXXX XXXX . The agreement was he commission some art for me and I pay him half of the total amount up front and the other half upon delivery. The timeline was to be six months. After six months I have not heard from the man. I have attempted to contact him via email ( his email is XXXX ) to no avail. I attempted to request a refund via PayPal. I opened a case and it was almost immediately denied. It was denied do to it being outside of the 180 day guarantee PayPal offers. This situation is unique because the agreement with the seller was six months. I can not escalate the issue with PayPal and I am frustrated. This man has  scammed me out of {$150.00} and I want it back!
Product: Money transfer, virtual currency, or money service

I offered my professional services to someone and we used PayPal to complete the payment. The process for completion takes 60-75 days on my end and the buyer knew that. After 2 weeks he submitted a dispute for the XXXX $ and they took it out of my account even after providing signed contracts from both parties. My account is now negative and as a small business owner XXXX $ will make or break me. The money was used to start working on this customers project. He has a 72 hour cancellation policy and it was completely fine until two weeks. Paypal refuses to help me in this situation and I have reached out to many different people at the company.
Product: Credit reporting or other personal consumer reports

according to FCRA section 605b is illegal to report information on my credit report without my permission. Ive been reporting this to trans union about stuff on my credit report thats not mine they keep investigating saying that the information is correct and accurate which I also sent in my FTC from report and they never removed any of this negative information from my credit report they arent following the law. I need the followinXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also the creditors arent verifying this information they arent sending me a debt validation with my sealed signature on the paperwork they keep sending me emails with the same info thats on the credit report thats not validating the debt with my signature. Therefore, these are invalid and needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : US DEPT ED XXXXBalance : {$0.00} XXXX XXXX Balance : {$0.00} US DEPT XXXX XXXX Balance : {$0.00} US DEPT XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX 0Balance : {$0.00} XXXX XXXX Balance : {$0.00} Medical XXXX Balance : {$26.00}
Product: Mortgage

While in the process of refinancing my mortgage, Flagstar charged me {$30.00} to supply payoff statements by email to my new lender. This fee was assessed 3 times, for a total of {$90.00}. I was not made aware of the charges until the day of closing, so was unable to avoid this fees. These charges are deceptive, extortionate, and insanely excessive. 

Flagstar Release of Lien misspelled my name.

I attempted to contact Flagstar regarding these issues, they stated that there would have been no fee to have the payoff statements mailed. This doesn't make any sense since mailing is the only option that would have cost Flagstar money. I was never informed of the $ XXXX statement fee, nor given the option to request payoff by mail. Since I can generate payoff statements for free online, $ XXXX is insane. 

Furthermore, this fee was deceptively listed on the payoff statement as a " email/fax fee ''. I had to call for an explanation. Having been transferred several times, they eventually hung up on me.
Product: Money transfer, virtual currency, or money service

I am wrong to normally express my concerns regarding Zelles handling of disputes particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions and unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING  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 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  ALL 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter demanding the procedures used in determining my debt, and validating my debt, and dismissing my claim because they said it was computer generated and it wasn't really me making the claim when it was. I am exhausted from these immature tactics, and I demand that they stop making false claims in order to avoid doing what I asked which was to validate their claims about this debt being real. I feel like they're using stall tactics becausee they are out of compliance. I've sent in letters addressing this and I have not received a response yet, I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I contacted Nordstrom/TD bank on XX/XX/year> because they are reporting outdated information on my credit report when it was paid as agreed, this is damaging to my credit because the information has not been updated in over 4 years.
Product: Credit card or prepaid card

US Bank sent me a credit card I did not apply for. I received it in the mail this morning. XX/XX/2020.
Product: Debt collection

The original creditor XXXX CLOSED the account of {$280.00} an unauthorized account was opened by I C SYSTEM INCORPORATED on XX/XX/2021. Nothing is due to I C SYSTEM INCORPORATED because I never agree to a contract with them.
Product: Debt collection

A collector from Williams & Fudge by the name of XXXX XXXX calling most recently from the number XXXX XXXX XXXX XXXX has repeatedly called my phone with nonsense tactics including asking questions and then attempting to formulate answers prior to giving me time to respond or constantly interrupting me while I am attempting to respond. Additionally, I have told this collector on multiple occasions that I work XXXX - XXXX overnights please to not call in the in the morning hours as I am sleeping which is when he consistently calls. I have spoken with him about his nonsense tactics and stated that I would like transcripts and/or recordings of the calls that are recorded ; once he said he would work on that and then the most recent call he said there is no way that is going to happen. I informed him that if he is unwilling to provide those which he undoubtedly knows will prove his harassing and wildly unconventional techniques not to bother calling me. I will not deal with this collection agency while they continue to refuse professional courtesies and until I receive copies of the recordings they have which will be used to prove their antics and violations of section 806 of the Fair Debt Collection Practices Act. Any assistance you can provide in this matter would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

lexisnexis  removed all bankruptcy information from my credit report
Product: Debt collection

CRA VIOLATION NO KNOWLEDGE OF INACCURATE XXXX XXXX AND XXXX XXXX XXXX XXXX   ACCOUNT APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Checking or savings account

I aim writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the 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: Checking or savings account

Delaying Direct Deposits. Capital One offers early paycheck deposits but sometimes didn't always go through. That's ok. Then they sent out an email last night, the XXXX, after XXXX stating they've been having issues with their 3rd party distributor, XXXX XXXX XXXX XXXX XXXX This led to a disruption in direct deposits to a large percentage of their customers. It's XXXX XXXX  and I still haven't received my paycheck. I'm switching banks after this.
Product: Checking or savings account

I could not believe the account had another person 's name. I did not want this. Thank you.
Product: Debt collection

I have asked for verification that this debt is mine and have had no resolve. I am unfamiliar with this account and it has been holding me back in my financial life. the account is listed with the credit bureaus with different opened dates from XX/XX/2016 to XX/XX/2016. The balance listed is {$570.00}. This is inaccurate information and I demand it be removed from my consumer credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/2023 to correct inaccurate reporting of late payment. I spoke with XXXX XXXX XXXX who stated that due to the account closure and paid off 3 months early that the reporting of a 90-120 days late of payment was correct information. I informed XXXX XXXX that I never paid a late payment and that her company was reporting late payments on an account with a payment status of current and paying as agreed. I have requested the information to be corrected and updated 3 different times.
Product: Credit reporting or other personal consumer reports

Please remove the following incorrect names from my credit report Experian : XXXX XXXX XXXX XXXX Please remove the following mailing address from my credit report Experian : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX Please remove the following incorrect inquiries from my credit report Experian : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove the following fraudulent accounts from my credit report Experian : I XXXX XXXX XXXX this adavit to report fraudulent accounts reported on my credit report FICO Score, a collection account under XXXX XXXX  opened on XX/XX/XXXX account number ( XXXX ), credit card account XXXX opened on XX/XX/XXXX, account number ( XXXX ), account under XXXX opened on XX/XX/XXXX XXXX account number ( XXXX ), which appears on my three credit reports. I dont recognize the accounts and they are results of Identity theft and fraud. Please BLOCK AND REMOVE from my credit report.
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 and Furthermore, their dispute resolution process was unfair and deceptive, presume to closed my account permanently 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights. 

Account Name : XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

The debt being collected is NOT mine, it belongs to my mother. I don't know how they got my contact information. The company is " Professional Debt Mediation '' ( XXXX XXXX XXXX  ). This is not the first time they've repeatedly called me, last time was about a year ago, but they got aggressive this time. 

I received calls from the following numbers on the following dates and times : ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XX/XX/XXXX @ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CHECKED MY CREDIT AND FOUND SOME ACCOUNTS AND INQUIRIES THAT IS REPORTING ON MY CREDIT WITHOUT ME HAVING ANY KNOWLEDGE OF THEM. THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME.I HAVE TRIED MY BEST TO MAINTAIN A GOOD CREDIT AND IT IS SAD THAT I HAVE TO GO THROUGH THIS BECAUSE OF SOMEONE ELSE 'S WRONG DOINGS. BECAUSE OF THIS MY CREDIT IS IN A VERY BAD STATE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED FROM MY CREDIT AS SOON AS POSSIBLE.
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  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 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: Credit reporting or other personal consumer reports

I recently checked my consumer reports and noticed that there was information on my reports that i did not authorize. under the GLBA and FCRA it is ILLEGAL to furnish any information to any agency without the consumers written consent. I originally had an account with XXXX who then sold my information to Transworld Systems Inc, all without my consent. I demand a deletion below I attached a letter to further explain my situation.
Product: Mortgage

I have file numerous complaints about select portfolio - they continue to harass and threaten me with foreclosure - they lack standing -they are not a real party of interest -nor do they have LEGAL documentation re : chain of title -and can not show perfected title. I have sent numerous request for quality written responses and they will not answer the questions asked. Instead they contact me via landline one day they want to know what my intentions with my house are ....??? then a few days later they call and state they have approved me for a loan modification??? then a few days later they call and say I am out of options only cash for keys now and they will be foreclosing and leave the home broom clean!!!! XX/XX/XXXX XXXX XXXX called from sps- re loan modification XX/XX/XXXX XXXX XXXX called from Sps-Re cash for keys no other options XX/XX/XXXX XXXX XXXX called from Sps Re leave home broom clean we will be foreclosing XX/XX/XXXX XXXX XXXX called from Sps Re : postponement of foreclosure was set for XX/XX/XXXX now postponed to XX/XX/XXXX- When I asked him the reason for the postponement he stated " There is just too much going on ''??? then in the mail i receive from sps the notice of postponement ( see attached ) I also receive from XXXX XXXX the company hired to do the foreclosure - 4 registered letters are postponement to XX/XX/XXXX for sale. ( see attached ) ) and now when I checked XXXX XXXX website re : my home the date is XX/XX/XXXX??? why the different dates??? there is no lender listed on file with foreclosure sale??? XXXX XXXX as well as Sps do not have the legal standing to foreclose on my home nor does XXXX XXXX XXXX XXXX XXXX ( never my lender ) - these three companies do not have legal standing, nor are they a party of interest - they do not even have the correct information, deed, promissory note - etc -what they have produced have been forged documents -wrong forged documents -the deed is invalid-there is no indebtedness to them and they have no authority to foreclose Sps continues to commit elderly abuse-violating the truth in lending act-forged documents -and has been illegally attempting to take my home for 12 months ....