23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I was reported that personal loan was taken with Wise Loan for an amount of XXXX $ on XX/XX/2022 and deposited in my XXXX XXXX  XXXX account. 

I never applied the loan & i never received the amount to my XXXX XXXX XXXXXXXX account on that day. I have the proofs of XXXX XXXX XXXXXXXX account
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has violated my rights and is also of violation of the FCRA 15 usc 1692 ( a ) They not only have this incorrectly reporting they have not sent verification of such debt that I allegedly owe. Also Section 609 ( a ) ( 1 ) ( A ), says you are required by FEDERAL LAW to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.
Product: Vehicle loan or lease

On Thursday XX/XX/XXXX I mailed a check to payoff my vehicle. I included an extra day of interest, whereas they would not receive the payment until XX/XX/XXXX. 

At XXXX XXXX in  California on XX/XX/XXXX they received the payment, and I have confirmation from the USPS in regards to who signed for it and at what time Westlake did not apply the payment until the XXXX and are trying to charge me a daily interest rate of {$7.00} On XX/XX/XXXX they were showing that I owed {$29.00} and I contacted them. I was told that the matter would be taken care of in 24 hours. On XX/XX/XXXX they are showing that I owe them {$7.00} and it will continue to climb daily until they figure it out. 

The payment was received on the day that I paid them through, it is not my fault they did not post it immediately even though they claim that they post payments on the day they are received. 

Until this matter is resolved I will not receive my vehicle title
Product: Money transfer, virtual currency, or money service

I am filling 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 Regulations E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Debt collection

I was sent to collections by a medical office for debt that was paid. In XXXX of XXXX I had applied to refinance my mortgage. I was surprised to learn that I had been sent to collections for what was then an amount of {$120.00}. This was surprising to me as the dates of service in question had come well before I had stopped going that that office for ongoing issue. My visits to that office continued through XXXX of XXXX, and not once was I told I was not current, and would pay any balances that I was told upon each visit. 

I spoke to the billing office on XX/XX/XXXX at XXXX. During that conversation the billing office could not find any balances that I owed, agreed with that they had been paid in full and that there was no outstanding amounts. They also verified they had received my payments on the dates my records show as being made. I was told I would get a letter directly from the Doctors office showing all debts had been paid, and that they would discuss it with the debt collector to remove it. I never received the letter and called back on XX/XX/XXXX, to follow up. I was told that I would have the letter emailed to me that week. It never came. 

I also sent a letter via certified mail to the debt collector, explaining it was reported in error. That letter was sent on XX/XX/XXXX as well, with proof of payment via credit card statements. 

1 month later I received a letter from the debt collector saying that new dates of service in question had changed. That while I had paid all debts, the dates I had paid were later dates. They now had a bill from 3 years prior, date of service of XX/XX/XXXX ( which again no one had ever asked me to pay ) and a date of service of XX/XX/XXXX. This was very confusing because the bill that I had been given dated XX/XX/XXXX, showed every thing was current and the amount owed of {$110.00} was paid via my next visit to the office in person. I have the credit card receipts to prove it. In addition the date of service of XX/XX/XXXX was not even on the bill that showed everything was current. 

In summary, I have a bill dated XX/XX/XXXX, that shows all my charges are current. A credit card receipt showing payment made in full on XX/XX/XXXX, for all charges on the bill. The doctors office acknowledged the payment was made. Yet I am sent to collections in XX/XX/XXXX, for a bill that was paid in full and never shown as past due. 

I had sent all this documentation to the debt collector twice. Yet they still refuse to remove it from my credit report, which is hurting my ability to get credit and my overall credit score.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent my FTC report, Florida driver 's license to Experian, XXXX, and XXXX. I have notified them about fraudulent accounts on my consumer report.
Product: Mortgage

I have been making two payments towards my mortgage so I can pay less interest and pay off my loan faster. I have called Freedom Mortgage multiple times to ensure it was being applied correctly and each time the representative tells me they are not allowed to discuss this with me which I thought odd. I have realized that my access to forms online and the paper statements aren't really reflecting that I am paying down my mortgage faster and decreasing interest as I have intended. I recently saw my first of two payments is listed under " Posted to Suspense ''
Product: Mortgage

My escrow account is over-funded by over 40 % yet the mortgage company is insisting on keeping those excess funds in my escrow account as a cushion. I believe they are only allowed to keep 1/6 of the total expected escrow costs as a cushion. The remainder should be refunded to me.
Product: Credit card or prepaid card

I have a VISA CREDIT CARD with Wells Fargo. I noticed in XX/XX/XXXX I was being charged Interest on Cash Advance. I emailed Wells Fargo about this. I informed them that I have never done a cash advance or do I have a pin number for that card. This card has never been in a ATM. Wells Fargo stated that the cash advanced fees were on purchases. When I went on line to print my transactions for XX/XX/XXXX I could only find two ( 2 ) all other information is gone. 

XX/XX/XXXX amount {$23.00} Interest on Cash Advance XX/XX/XXXX amount {$24.00} Interest on Cash Advance XX/XX/XXXX amount {$24.00} Interest on Cash Advance
Product: Credit card

In XXXX of this year a fraudster open credit card account in my name. It was from Navy Fedral CU for a XXXX XXXX credit card for {$7100.00} The account was fraudulently opened and that was the reason Navy federal closed the account because of fraud but they still reporting late payments. I need this account removed immediately to be able to purchase a single famiy home in the future
Product: Checking or savings account

I received a check from XXXX Bank I deposited into a high yield Amex Savings account I had opened. I had to link a external account in order to fund the account prior to depositing the check I got. Maybe a week later I tried to transfer the funds to my external account from the Amex savings account. The transfer was reversed due to Amex Business review. I called the representative and was told that the freeze was removed I tried to schedule another transfer which was also reversed due to Amex. I can the fraud prevention team and was told to submit bank statements to prove my name was on the external account I was trying to transfer funds from. I provided the required documents and then upon speaking to another representative I was told Amex decided to close my account. I was also told they would not release my funds at first so somehow the account is closed but my funds remain in the account. When I spoke to another representative they told me the only way I can get my funds back was to have the bank that issued the check ( which was XXXXXXXX XXXX ) recall or do a stop payment on the check. I called XXXXXXXX XXXX and spoke to multiple supervisors they told me they can not recall a check that Amex has already accepted as a deposit or put a stop payment on it because Amex already accepted the deposit. So I called Amex with XXXX on the line and we did a three way call because I needed XXXX to explain to them that they cant recall or do a stop payment on the check. During the three call a Amex representative actually said that because I deposited a physical item which was a check that Amex should be able to send me a physical item and that the only time that the option would be to recall the funds is if it was a ACH transfer. I passed the verification in order to process the request to send me a check for the funds in the accounts Amex supposedly closed. I was expecting a check but I called back a week later and they denied the request to send my money back from a account that they closed and froze. They already verified me so I was puzzled then they didnt give me a explanation as to why the denied the request to send me my funds on the closed account. There is no legal way that they are just be able to hold my funds for ransom like this I tried to get a supervisor to call and try to help me. Then once I called back I was told that supervisors have the option to call you back if you open a escalation so all the escalations I opened were being denied buy the supervisors so I never got a call back. They are illegally holding my funds the bank that issued the check cant recall the funds and I have a email as proof. Theres no way they can close my account and keep the funds In there. Please help as I am also seeking legal help for the remaining funds being held in the account they close and not being issued back to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent over a letter to transunion requesting that they investigate the unverified accounts on my credit report. Their first correspondence had requested that I send over power of attorney and they wrongly assumed that I was being represented by a credit repair service. I have reminded them that they are in violation of the FCRA section 616 & 617 and they continue to violate the law. 
they are also in violation of 15 USC 1692 ( d ) ( 1 ) insofar as, each account listed stands for a XXXX violation to be paid to the consumer whose credit reputation is being violated. 
the first letter with the tracking XXXX XXXX XXXX XXXX XXXX was on XX/XX/22. this was the first letter that was received by transunion and nothing happened the amounts were investigated. Then they were put back onto my consumer report around a month later.
Product: Credit reporting, credit repair services, or other personal consumer reports

A third party shared my personal information with Experian regarding a civil matter without my express authorization. Therefore, Experian and this unknown party are involved in Identity theft. According to 15 USC 1681 section 602 states, I have the right to privacy. 

15 USC 1681b permissible purpose section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions Please have Experian remove the bankruptcy.
Product: Mortgage

I have been try to get modification done by bayview loan company I been in touch with lady by name of XXXX XXXX but after talking to her a few weeks ago I have heard anything else about my paper work been filed or sent up to review board I been trying to reach her but no response I also call on monitor talk to a supervisor but they hang up the phone on me I need help try to get some answers from them. Can you please help me thank you XXXX XXXX
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 XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account # : 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, credit repair services, or other personal consumer reports

****REMOVE THE CONSUMER STATEMENT AND FRAUD ALERT IMMEDIATELY! **** Is this a coordinated attack from XXXX XXXX, XXXX, XXXX and Equifax or simply the results of a reckless atmosphere within the credit reporting agencies and towards requirements/laws Congress has clearly stipulated. 

XXXX, Equifax and XXXX have blatantly committed fraud by adding a consumer statement and 90 day fraud alert on my credit reports, implying it was done at my request, particularly in light of the fact, I had clearly requested to remove all consumer statement and NOT add any additional consumer statements just 10 days ago. 

Summary of Facts : I have been trying to close on a {$600000.00} mortgage since XX/XX/XXXX ( see attached ; inquiry from XXXX XXXX ) and must close by XX/XX/XXXX, otherwise suffer a large financial lose. They will not close with any consumer statement on my credit report. 

On XX/XX/XXXX, I filed a dispute and clearly requested the removal of all consumer statements and that I did not want any CONSUMER STATEMENTS reported in the near future. See case # XXXX XXXX Here is the exact wording : RE :  XXXX XXXX XXXX Credit Card acct # XXXX x FRAUD! I have no idea what the XXXX is going on. I have a XXXX XXXX Credit Card with a credit limit under {$1000.00}, which I have not used in years. 

*irreversible harm and damages is certain within weeks from today if no action is taken promptly, as the timing of these most recent updates to my credit report could not have come at a worst time. 

*Also ; I DO NOT WANT ANY CONSUMER STATEMENT ADDED TO MY CREDIT REPORT AT THIS TIME AS A CONSUMER STATEMENT WILL ALSO HARM ME. I SIMPLY WANT THE NEGATIVE INFORMATION SYNCB RECENTLY REPORTED REMOVED ( THIS CAN BE A TEMPORARY REMOVAL AS I AM HIGHLY CONFIDENT ANY INVESTIGATION WILL CONFIRM MY CLAIMS AND CONCLUDE FINAL REMOVAL. 

However, I was shocked and bewildered that XXXX, Equifax and XXXX   went ahead and placed a consumer statement along with a 90-day fraud alert onto my credit reports without my knowledge and request. 

I am assuming the credit bureaus will Likely attempt to use my complaint in case # XXXX XXXX as their reason. If that is true, it is further proof XXXX, XXXX and Equifax do NOT properly read and investigate claims of disputes. Nowhere in that dispute did i request or even hint to add a fraud alert or consumer statement. 

WHY? The fraud I disputed on case # XXXX XXXX took place three ( 3 ) years ago. It is clearly written in the dispute. Further I have ID theft protection through XXXX and a membership with XXXX who claims to monitor and safe guard me from ID theft along with a XXXX dollar insurance policy to cover any cost. Therefore I am in no need of a consumer statement or fraud alert. 

PLEASE remove the consumer statement and fraud alert immediately
Product: Debt collection

I spent years paying back all my debt, I received notification of a debt I have no records of, looked through everything and I have no records of having this XXXX  XXXX account, the ones I did have were paid. I received a copy of a statement which again I never once paid XXXX  XXXX a payment on this account I have no records of. I'm requesting full validation, copy of the application, proof of payment on this account, date when last payment was made etc. Again I have no records of ever having this account. Please help assist
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; XXXX 's # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX 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 that I have the right to privacy.

15 U.S.C.1681 Section 602 A, Section 2 ; it also States a consumer reporting agency CAN NOT furnish an account with information without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX reported my account as delinquent for a mistake in the system regarding a typo of my bank checking account number. I was not aware of delinquency until it became late. I called XXXX   and was guaranteed by representative that the account would be corrected and no negative information would show. I made a large payment of {$250.00} in an agreement to bring account current. I was told that my account was current and in good standings. I have never been late with any of my account and I have paid off three vehicle loans. My credit was perfect until XXXX  went against our agreement, to remove all negative reporting, due to a computer error. My credit history shows that I am a worthy responsible customer with an impressive credit history .I have disputed the error with XXXX on two occasions, both times denied correction. I have disputed with XXXX three times, and each time XXXX completes the dispute within a few days. XXXX also does not delete the negative remarks, I find it difficult to believe that my dispute was handled correctly in a fair fashion. I submitted documents, that I believe were not reviewed, it seems like my dispute was handled by an automated system, that just denies the consumer AUTOMATICALLY. I asked for deletion of negative reporting with all three bureaus. I am reaching out for assistance as I believe I was treated unjustly and unfairly and basically lied to. Thank You
Product: Credit reporting or other personal consumer reports

This company experian failed to fulfill its legal duties under ( FCRA ) to conduct a reasonable reinvestigation of disputed information of my credit report, leaving inaccurate and unverifiable accounts unresolved. The ( CFBP ) has currently filed and lawsuit against experian allegedly systematic issues such as failing to forward consumer-provided evidence to furnishers accepting unreliable responses, and also failing to adequately notify consumers of dispute outcomes. Each of these failures align with my experience.where experience never corrected nor removed items dispute the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts. As experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen from my car and my id has been used to get credit and loans. I filed the correct paperwork per the FCRA and sent them to the credit agencies. The disputes are not being done correctly and the documents I sent in are not being attached to the disputes. And I am not getting the copies of the verification process per the FCRA. 

These are the accounts : XXXX credit XXXX XXXX XXXX of XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I want to make it clear that this message is sent independently and not on behalf of any third party. Recently, I conducted a thorough examination of my credit report, and I was deeply concerned to find unverifiable, invalidated, inaccurate, and questionable entries. It appears that your agency, responsible for ensuring the accuracy of consumer reports, has not fulfilled its duty to ensure the complete accuracy of the information it reports. 

According to 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to implement reasonable procedures to ensure the highest level of accuracy regarding individuals ' information in the consumer reports they generate. 

As a consumer, I am entitled by law to a credit report that is 100 % accurate. I have been requesting that the credit reporting agencies review my disputes and update my reports accordingly. Please take the necessary steps to update and remove the accounts and items listed in the dispute letters attached. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XX/XX/2022
Product: Bank account or service

I placed an order for {$310.00} with XXXX XXXX. They posted double that amount for authorization. An additional {$310.00} worth of my funds were held that I could not have access to. 

When I called the bank they refused to get on a conference call with the manager at XXXX and I to resolve this, and the manager at XXXX refused to admit that they had requested double authorizations. 

They both said the amounts would " fall off '' in a couple of days. When I told both US Bank and XXXX that I had checks that might be coming through they both said they would do nothing to help. US Bank said they would charge me insufficient funds fees if anything bounced as a result of this mistake. 

I spoke a supervisor named XXXX. He acknowledged that XXXX authorizations were incorrectly applied, but because of US Bank 's policies, he could not help. He also said that if I was charged NSF fees it would " at the bank 's discretion '' as to whether or not they would reverse those fees due to a merchant error.
Product: Money transfer, virtual currency, or money service

Between XX/XX/XXXX and XX/XX/2024, I fell victim to a multi-layered scam operation run by a fradulant individual using the phone number XXXX which involved me making deposits for a total amount of XXXX USD from my Truist Bank account to fraudulent individual ( XXXX ).