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

XXXX accordance with the Fair Credit Reporting act XXXX  : XXXX XXXX XXXX Account # XXXX XXXX, XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX, have 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: Student loan

During the mid XXXX as a single mother I decided that it would be beneficial for me to earn an XXXX from a B-level University, XXXX XXXX XXXX University, XXXX XXXX XXXX XXXX. 

Living in a Midwestern state, my wages were barely sufficient for living, so loans became the option to pay for my graduate studies. Upon completing my studies, I searched for more than 6 months to find new employment since I had been downsized toward the end of my studies. I did not locate a job in the XXXX, but rather had to relocate to the XXXX region for work ( A XXXX XXXX XXXX ). By this time, by daughter was in college, The XXXX XXXXXXXX XXXX XXXXXXXX Ohio ( an expensive private accredited institution that charged more than some colleges, which has since lost its accreditation ). 

To fund my daughters education, I obtained Parent Plus Loans to cover school tuition, books, etc. In addition, since I had a student in college, I was able to defer my XXXX loans further throughout her college years. ( 4 years deferred, on top of the original 2 years for my personal hardship deferrals ). 

After moving to the XXXX, I became XXXX since the XXXX XXXX XXXX XXXX. During my years of being XXXX, I further needed to defer the loans since the minimum amounts that were required were over {$600.00}. Most recently, the loans to be repaid now are near $ 1500 monthly! I can not defer any longer, and dont know how I will pay without damaging my credit and sinking into a financial abyss. I am over XXXX, have no 401k, and, no significant savings. 

What started as loans totaling less than {$85000.00} in original principal now is quickly becoming {$270000.00} in debt ( and presently ONLY showing {$10000.00} in interest ). 

This is debilitating to say the least. Personal responsibility was getting a better degree, being a great parent, providing a loving home, working, being an XXXX, and taking care of my family. However, this level of student loan debt AND the structure that benefits only the companies threatens my ability to care for myself when I retire and live within my budget. For all of the education that I have, experience, knowledge, and skills that I have I am unable to find significant financial relieve. 

I am willing to help research, draft legislation, canvass for support as needed.
Product: Credit card

Citi Card I requested a balance transfer from Citi bank early XXXX for my XXXX XXXX credit card. Citi bank paid out the balance transfer to XXXX XXXX twice. I called Citi bank and notified them of this error. They told me to send the duplicate payment back to Citi bank in the form of a payment. I was told that the balance transfer fee would be refunded once they received the payment. After making the payment to Citi bank, I called customer service to verify my accounts. On XX/XX/year>, I was told by a Citi representative to disregard card ending in XXXX. Once I noticed that the account was still on my Citi account online, I called back and attempted to report the fraud again. I was rerouted to company that was not Citi bank ( recording attached ). In the attached files, I am including voice recordings of my conversations with Citi representatives, along with my notes from each conversation. I also added notes from me reaching out to XXXX XXXX in an attempt to help me resolve this case. ( I could not attach the longest recording from Citi bank which was about 30 min long, happy to share upon request )
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX my SS XXXX-XXXX-XXXX DOB is XX/XX/XXXX. I live at XXXX XXXX XXXX XXXX, OH XXXX. please remove any other spelling of my name. I have some addresses that are not mines possibly fraudulent I have a exboyfriend I believe has been using my name to order accounts for shopping. I never lived in North Carolina in my life please remove the following addresses. My Name should appear as I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The follow number are not accurate please delete/remove they are not mine : ( XXXX ) XX/XX/XXXX-XX/XX/XXXX ( XXXX ) XX/XX/XXXX-XX/XX/XXXX( XXXX ) XX/XX/XXXX-XX/XX/XXXX ( XXXX ) XX/XX/XXXX-XX/XX/XXXX ( XXXX ) XX/XX/XXXX-XX/XX/XXXX ( XXXX ) XX/XX/XXXX-XX/XX/XXXX ( XXXX ) XX/XX/XXXX-XX/XX/XXXX ( XXXX ) XX/XX/XXXX-XX/XX/XXXX ( XXXX ) XX/XX/XXXX-XX/XX/XXXX ( XXXX ) XX/XX/XXXX-XX/XX/XXXX ( XXXX ) XX/XX/XXXX-XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize and authorize the following inquiries. This is caused by fraud. 
RESIDENT VERIFY Date of Inquiry XX/XX/XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

On XX/XX/2023 I made a ( 5x ) amount of my minimum payment amount to the XXXX XXXX  XXXX from One Main Financial. My payment was rejected for reasons unknown. On XX/XX/XXXX or XX/XX/XXXX I reviewed my XXXX XXXX XXXX and noticed a failed payment, made necessary corrections to rectify this issue with a successful payment of the same amount. This second payment was successful. 

The following into the work week of XX/XX/2023 I noticed my XXXX card was locked due to " suspicious or fraudulent activity '' because the payment was reversed. I called the company and requested what has to be done to correct this issue ; the representative said send in a current bank account statement, current drivers license, or current ID card with social security card, to verify my identity which was all action needed to remove the block. Upon sending my drivers license and social security card, with my bank account number used tk make the payment, my account is still blocked unless I release bank account statements as well. Per policy the block should be lifted and removed in accordance with actions being fulfilled that were needed to do so. The credit card company does not need to see my personal bank account statements. As long as payment was successful and are continued as such, personal account statements should not be required, as per company policy to remove such blockages. 

I've attached the promise to pay, the agreement on amount to pay, the non charge of returned payment fee meaning a penalty was not assessed for returned payment thus a returned payment blockage wasn't necessary if the company deemed the fee unnecessary. If no fees were asked for returned or denied payments, why is there a blockage on my account and my credit card, denying me access to the usage of my account unless I give permission for the credit card company to view my personal banking statements even after successful payment.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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/updated.

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.

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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

I have this collections on my account that was made on XX/XX/year> in the amount of {$190.00}, which I did not make. I have an account with XXXX the account number is XXXX XXXX XXXX XXXX, in my maiden name XXXX. Ive disputed this account and in the comments is reads : Account information disputed by consumer, meets FCRA requirements, its off all the other credit agencies except XXXX. Can you please take this off my credit report.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, IA XXXX Subject : Complaint Against PayPal Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against PayPal regarding a recent incident that has resulted in significant financial loss, inconvenience, and emotional distress. I believe that PayPal 's handling of the situation has been unfair and contrary to their own policies. 

On XX/XX/2023, I engaged in a transaction on XXXX where I sold XXXX XXXX through their peer-to-peer program to a buyer named XXXX for XXXX USD. The payment was processed via PayPal, and once the payment was confirmed, I promptly released the XXXX to the buyer 's account. 

Regrettably, two days later, the buyer filed a claim with PayPal, alleging fraudulent activity and demanding a refund. I immediately provided compelling evidence to refute the claim, including verifying that the buyer 's name matched the individual I sold to and highlighting XXXX 's stringent XXXX  verification requirements. Initially, PayPal cited non-delivery as the basis for ruling against me, but later altered their reasoning, asserting that XXXX does not qualify for seller protection. 

It is essential to note that PayPal 's seller protection agreement does not explicitly exclude XXXX from eligibility. I have clearly communicated this fact to PayPal and provided concrete evidence, such as screenshots and emails from XXXX, confirming the successful delivery of the XXXX to the buyer 's account. 

Despite my diligent efforts and the supporting evidence I provided, PayPal sided with the buyer and refunded the funds. The buyer initiated five separate transactions, each with a unique transaction ID : - Transaction ID XXXX - Transaction ID XXXX - Transaction ID XXXX - Transaction ID XXXX - Transaction ID XXXX PayPal 's explanations for ruling against me have been inconsistent and contradictory. I have exhausted all available channels to address this issue, including multiple attempts to contact PayPal 's customer support. Although they briefly reopened the cases for review, the outcome remained unfavorable, and PayPal failed to provide a clear justification for their final decision. 

This entire experience has caused me significant frustration, financial hardship, and emotional distress. I am seeking your assistance and intervention in this matter. I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this case and urge PayPal to reconsider their decision, rectify the situation, and reimburse the funds that were unjustly refunded to the buyer. 

I have full confidence that the Consumer Financial Protection Bureau will prioritize the protection of consumer rights and ensure a fair and equitable resolution. Thank you for your attention to this matter. I eagerly await your prompt response and support in resolving this dispute. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Capital one auto finance will not remove a loan from all three of my credit reports On a vehicle loan I closed in XXXX
Product: Credit reporting or other personal consumer reports

I have disputed this with the company before about reporting late payments to my credit profile. In accordance with the consumer law 15 USC 1666b ( Timing of Payments ). XXXX did not send me notice no later than 21 days before the date specified in the statement by which payment must be made. I have not received the notice and therefore this has been a billing dispute. I have made XXXX  XXXX aware about reporting late payments. Please correct this derogatory mark to a positive status.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bank and the credit report agencies are INACCURATELY REPORTING the following account : COMENITYCAPITALBANK/ULTA # XXXX XXXX XXXX XXXX XXXX, OH XXXX, they have not conducted any investigation on this matter and claim it belongs to me without giving any proof of that, because it does not belong to me. I have sent several request to resolve this to the Bank and the credit bureaus but they are still reporting the account as mine and hurting my credit and creating emotional distress because that situation because Negligent actions. I want to see this IMMEDIATELY DELETED FROM MY CREDIT REPORTS
Product: Vehicle loan or lease

Hyundai motor finance charged me the sales tax as part of the lease end buy out payment and are not issuing me any receipt for the tax. This makes me to pay sales tax again. 

I have been calling them for a month and they keep saying they sent request to back office and the only option. was told is to call back after 5-8 business days. 




With no hope with XXXX, trying to see if I can get help.
Product: Vehicle loan or lease

My car became undriveable, the check engine light suddenly came on and the car began shaking. There is a misfire in one of the cylinders more than likely due to the oil consumption issue these cars have. I have tried multiple times to address this issue and have made several claims to my original dealer that my car is consuming oil at an excessive rate. My servicing department at my current dealer is experiencing staffing shortages making it impossible to get an oil change or any service without it being 4 plus months out. I called immediately once my car began shaking I was told the earliest appointment would not be until XXXX. I tried bringing it to another local dealer but the extended warranty that I bought through the original can not be used anywhere else. So not only am I not able to get my car serviced for basic maintenance, I also can not get my car fixed by anyone else but the same dealership who NEVER has availability.. Please tell me how this is okay. I have a job and a child, I need a working car. Why did I pay for an extended warranty that totals XXXX and my car can not be serviced. So now Im paying for a car that essentially going to sit in my driveway for months! With no possibility of being looked at as someone else has mentioned that their car has been sitting for 3 months with 20 cars ahead of them. UNACCEPTABLE! Within the 1st year of getting this car oil consumption issue and the service department can care less. On top of that Im stuck with a car with negative equity and can not get out of this loan .I NEED SOMEONE TO RESPOND AND FIX THIS ISSUE!
Product: Debt collection

Under the XXXX, debt collectors must be able to prove that they own the debt when they sue or to collect on it. I have asked the collection agency for proof that they are now the owner of this debt that they want to collect from me. They have not been able to provide me with that information. Instead, they continue to harass me by mail and phone calls.
Product: Checking or savings account

I submitted a bill pay payment to a contractor in the amount of {$71000.00} on XX/XX/XXXXXXXX This contractor does not have electronic payments enabled for bill pay, so Capital One was supposed to send him a paper check, and they were supposed to receive it by XXXX 

They never received the check and I don't know if it was sent. Capital One debited the money from my account. I waited to see if it was lost in the mail until XXXXXXXX  I called them and asked them for a stop payment on the check, and to refund money into my account. 

Originally, I was provided with the date that I would receive a provisional credit to my account by XX/XX/XXXXXXXX I did not receive that credit, so I called back that day. On that day, I was told that I would receive a credit by today, XX/XX/XXXX. I didn't receive a credit today. 

I called back, and was finally told that I would receive a credit by the end of this week. I don't trust this to be resolved in a timely manner, and I really need the money back due to bills that I have upcoming.
Product: Money transfer, virtual currency, or money service

XXXX at Cash App Support = RE : A Message from Cash App Support [ ref : XXXX : ref ] We have had follow up email correspondence with XXXX at the Cash APP Executive Relations Team. We have provided Cash App with specific transaction information from our Bank. Cash App has sent an email stating that they would be returning the cash to our account. 

- Date and Time : XX/XX/21 at XXXX PST - Amount : {$980.00} - Sent to a card ending in : XXXX Our XXXX XXXX XXXX has verified that as of ( XX/XX/21 ) that hasn't been any ( ETF ) Electronic Funds Transfer from Cash App. ( Please see above ) We had originally spoken with XXXX at Cash App. She was a customer service representative. She opened a new case # XXXX to address this. 

Our Cash App Account, it was our understanding, that the funds would be returned to our Account by end of business today, XX/XX/XXXX. 

The original transaction date was ( XX/XX/21 ) at XXXX XXXX PST. 

The Amount was for {$980.00}. 

The payment ( refund ) would be directed back to her Debit Card ending in XXXX That transaction ID was PAMELAKENS XXXX CAUS = ( California, XXXX XXXX XXXX XXXX Banks transaction Identifier is : XXXX. 

Given that the refund was to be issued ( 5 ) business days from Thursday, XX/XX/XXXX, that would indicate that the 5th business day would have been Thursday, XX/XX/XXXX. 

As previously mentioned, our XXXX XXXX XXXX has verified that as of ( XX/XX/21 ) that hasn't been any ( ETF ) Electronic Funds Transfer from Cash App. 

XXXX XXXX XXXX has reached out directly to Cash App. XXXX XXXX XXXX has requested tracking codes from Cash App of the money transfer from Cash App 's Bank which is XXXX XXXX XXXX XXXX XXXX could then match that information and acquire its own transaction tracking code information by providing that in the form of XXXX documentation back to Cash App. Cash App has not responded to any these requests for information. 

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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that need to delete in my personal file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX BANK XXXX XXXX XXXX ) XXXX Balance : {$2700.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As I looked at my consumer report I noticed a late payment for XXXX bank in 2022. The information is marked differently across the bureaus which shows inaccurate reporting. This affects how creditors look at me and has harmed my score for awhile. Its my right to have accurate information reported when it comes to my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these student loan errors for several months now. I was denied a home loan because of the way they're reporting. Some are stating their closed but 120 days late, or charged off and late. They have been paid for the past 2 yrs. I'm a XXXX XXXX XXXXXXXX veteran and had them all forgiven. I had to use a sub-prime lender to get my home finished and had to pay 5.5 %!! It's hurting me financially, I'm trying to refinance with my VA loan but this is still reporting errors and I've called and written letters to no avail.
Product: Credit reporting or other personal consumer reports

the accounts on my report are from id theft. i am a senior citizen i don't know what is going on
Product: Mortgage

This complaint is in reference to Mortgage XXXX with Freedom Mortgage at XXXX. My calculations that Freedom Mortgage is over-escrowing for property taxes and has not responded to me request to pay supplemental tax bills from this overfunded account. I called initially for an escrow analysis on XXXX XXXX, XXXX and followed up on XXXX XXXX, XXXX and any again on XXXX XXXX, XXXX. In each interaction Freedom Mortgage refused to complete the escrow analysis citing concerns about needing to wait until XXXX. I believe this is violation of RESPA which requires a maximum escrow cushion of 2 months. I have logged my compliant with XXXX XXXX XXXX on XXXX XXXX, XXXX.