23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Bank refuses to disburse incoming wire and will NOT provide a valid reason for the hold.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares and consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them to reinvestigate these accounts listed below XXXX XXXX XXXX XXXX open date is not reporting correctly, last date active, this account is not accurate XXXX  XXXX date open is not accurate, date last active is not reporting correctly, the account is inaccurate XXXX XXXX XXXX XXXX open date is incorrect, last date active is not correct, the account is inaccurate XXXX XXXX XXXX XXXX open date is incorrect Can you look into this matter
Product: Debt collection

I had a credit card that I disputed within the first 30 days. While in dispute, my file was sold to Midland Credit Management. I immediately filed my dispute with them. I assumed we were still in the dispute process when I was served with papers. I immediately contacted the number listed on my summons. I have tried to work things out with them but they never return my calls no send me documents I need to move forward. I feel that my legal right to dispute the validity of the debt has been violated and ignored.
Product: Mortgage

My mortgage was recently sold from XXXX XXXX to Mr. Cooper. My first payment to the company was on XX/XX/XXXX for the amount of XXXX. This was the same amount we previously paid to XXXX XXXX. On XX/XX/2024 the amount of XXXX was deducted from my account. After contacting Mr. Cooper I was told that they projected my property taxed to increase by XXXX XXXX. Which is double the amount I paid last year. I had informed them that this is not correct and that I received my tax assessment already this year and it was projected to increase by only XXXX percent. I informed them that I want another analysis to be done on my property and that I need to to be credited back for this mistake. They told me it will take 7-10 days to review my complaint and that they will credit it back if they find an issue, however I have a XXXX XXXX at home and after taking an additional XXXX XXXX  from my account it had put my family in a bit of distress. Furthermore, taking additional money and not notifying my via email or letter in my opinion should be illegal. I want this to be fixed immediately.
Product: Credit reporting or other personal consumer reports

My credit report has taken a huge toll on my life. Everyday I have to live with not being able to finance or purchase anything because of my credit. Im asking that my case be taken into consideration. Ive never owned a XXXX vehicle or even got any credit cards in my name. These accounts are coming back verified as if I open such fraudulent accounts & then act clueless later. I am demanding removal IMMEDIATELY!
Product: Mortgage

XX/XX/2021 : Principal payment of {$20000.00} was not credited to my mortgage account until XX/XX/2021. Amount was withdrawn from my credit union on XX/XX/2021. 

XX/XX/2021 : Principal payment of {$20000.00} was not credited to my mortgage account as of XX/XX/2021. Amount of {$20000.00} was withdrawn from my credit union on XX/XX/2021. Wells Fargo continues to accrue interest on outstanding balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my reports and saw that XXXX XXXX is reporting an inaccurate charged off account on my credit reports. I have been disputing this account for some time and was able to get this account successfully disputed from Equifax in XXXX of 2022. On top of getting this account deleted I have also found that each bureau is reporting multiple inconsistencies concerning this account on my reports. If all three bureaus get their information from the same place then how are they all coming up with different information including multiple account numbers for the same account? Its obvious that my disputes are not being processed correctly and no proper investigation has been completed concerning this account. This account was also reinserted into my reports by Equifax back fin XXXX of 2022. Per the FCRA, I am to be notified by writing that an account will be reinserted on to my reports 5 days before it is reporting. I never received ANY type of communication stating as such. As a consumer I expect to that the credit bureaus will report accurate information on my reports and properly acknowledge my disputes but its concerning that they are all able to ignore the law and no action is being taken. I am demanding that this account Is deleted as they are not in compliance with reporting on this account.
Product: Money transfer, virtual currency, or money service

I attempted to purchase two XXXX hats on XX/XX/2022, from a website that gave me the impression it was selling XXXX products ( at the following link : XXXX XXXX XXXX ). After setting up an account and going to checkout from the shop website, I was given the option to pay through PayPal. After selecting PayPal, I was redirected to PayPal where I entered my contact information and continued to complete the purchase. Only after completing what I thought was a purchase, was I informed that PayPal had directly transferred the money for the transaction from my bank account to a separate private bank account of someone named XXXX XXXX ( email address : XXXX ), rather than treating the transaction as a purchase. 

It has been over a month now since the purchase and I still have not received the items I ordered or any information regarding shipping, refunds, etc. PayPal does not allow me to contact the seller through PayPal. I attempted to contact XXXX XXXX via the email provided by PayPal on XX/XX/2022, to request a status update, but I never receiving a response. Additionally, I have tried to contact the shop through the contact form on their website ( XXXX XXXX XXXX ) at least 10 times across multiple different days : my first attempt was on XX/XX/2022, my most recent attempt was on XX/XX/2022. Every attempt fails, only yielding the response : " There was an error trying to send your message. Please try again later. '' The website provides no other means for contacting the seller. 

Because I never received the items purchased, I opened a dispute on PayPal regarding the transaction on XX/XX/2022. PayPal 's online forms did not provide an appropriate dispute type regarding the transaction, so I requested more information regarding the transaction and hoped to enlist PayPal 's support in resolving what had occurred. PayPal closed the dispute on XX/XX/2022, after providing me with no additional information or support in recovering the lost funds through what I suspect was a fraudulent transaction. It is unclear whether PayPal made any attempt to contact the seller or gather additional information on my behalf. PayPal will not allow me to reopen the dispute or submit another dispute regarding the purchase despite the fact that they closed the original dispute without actually providing any form of support or compensation. I was provided with an email address to follow up with in case I had any additional questions ( XXXX ). My subsequent email to that address, which was sent on XX/XX/2022, has not received a response after 9 days.
Product: Checking or savings account

I had a regions card account and was registered with overdraft protection. At the time there were lots of transactions that never were taken out, until sometimes 30 days later, causing me to be in the negatives numerous times.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. 

Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, and reported to credit bureaus immediately, as my rights have been severely violated. Below are the key reasons for my request : Violation of the Family Educational Rights and Privacy Act ( FERPA ) : My student records were disclosed without my consent, violating FERPAs strict confidentiality protections. 
Breach of the Privacy Act of 1974 : My personal and financial information was improperly accessed and shared without my authorization, violating my privacy rights under federal law. 
Violation of the Higher Education Act : As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. 
Breach of Contract and Negligence : The entity responsible for safeguarding my data failed to do so, putting my financial security at risk. 
Unauthorized Disclosure to Third Parties : It has come to my attention that personal borrower information has been shared with unauthorized entities, including XXXX XXXX, which constitutes a severe breach of trust.
Product: Credit reporting or other personal consumer reports

***This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately*** Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX
Product: Credit reporting

Experian is reporting outdated negative information about me that is clearly more than XXXX years old. As a result I was forced to pay a {$250.00} deposit just to set up a utility bill at my new residence even though the consumer report stated " NO PRESENCE OF UNPAID UTILITY OR RENTAL ACCOUNTS IN ONLINE 'S SYSTEM. '' Experian is reporting negative information about me that is XXXX years old, XXXX years old & XXXX years old. My low credit score is not a true reflection of my credit worthiness. I want Experian to be held accountable for negligently reporting bad & inaccurate information. I also want them to clear my name & record.
Product: Credit card or prepaid card

I opened this card at Marshall 's inXX/XX/XXXX. I paid the entire balance off each month on this card. Then in XX/XX/XXXX they contacted me and told me that I was past due about {$600.00}, I told them that I always paid the balance off and asked how could I be past due. They did not have an explanation and now I found it listed on my credit report as in collections for {$930.00}. This is not correct and I need help to get this straightened out.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This public record or XXXX XXXX XXXX account is fraudulent due to I have never done business with your XXXX party vendors XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX.. and I never give me them my express written permission to put anything on any of my consumer reports or they should not have any of my personal non public information. 

I do not recognize the XXXX party vendor that Transunion get their data from, nor did i ever done business with them for them to have my nonpublic personal information. The aforementioned account are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that the aforementioned account are the result of identity theft and fraud. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block the said account, in this CFPB complaint from my consumer credit file or consumer report within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to my private email address listed in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by XXXX XXXX XX/XX/XXXX I applied for and was approved for the Covid 19 Forbearance protection under Cares Act. Under this protection my account was to show Forbearance and current. It was this way for a year. In XX/XX/XXXX I applied for and was approved for a loan modification. I qualified under Covid 19 Cares Act which allowed the lender under FHA to defer the past due amount. They did so but instead of showing that my new payments were due XX/XX/XXXX, they reported my credit late for the previous months that I was to be protected. I asked that they correct my credit. They had me send a letter. I did so, and my credit is still showing late with XXXX XXXX it was first reported late XX/XX/XXXX and now showing over 120 days late for XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am working on applying for a mortgage. The lender is unable to pull my credit report from Experian and XXXX. The lender is however able to pull my credit report from XXXX. I have worked extensively with both Experian and XXXX to verify all of my information is correct, ensure there are not holds or freezes, yet the lender is still unable to pull my credit. I have verified all the information my lender has is correct. Neither Experian nor XXXX have made any effort to help me resolve this problem but it is clearly something wrong with their system.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX, AND 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 XXXX XXXX XXXX. 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 in to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX, XXXX XXXX, AND XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX  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! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX account was used fraudulently in XXXX of 2021. I reported the fraudulent activity immediately, however XXXX failed to process the fraud claim in a timely manner resulting in a XXXX day late payment on my credit report. I contacted XXXX a and they have yet to remove the late payment off my credit report. I filed a dispute with Experian, with evidence and they closed the dispute without removing the late payment from my credit report.
Product: Credit card

I have been a loyal customer of Best Buy for many years and have always appreciated the excellent service and products that your company provides. However, I recently discovered that there is a late payment mark associated with my Best Buy account on my credit report from XX/XX/2023. This late payment has remained on my record for the past four years, despite my consistent efforts to maintain a flawless payment history. 

It is important to note that this late payment from XX/XX/2023 is the only derogatory mark on my credit report, and I have not missed any payments before or since that time. I take great pride in my commitment to financial responsibility and have worked diligently to ensure that such an oversight does not happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX ) XXXX ) ( 2. ) XXXX XXXX XXXX {$1900.00} ( 3. ) XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. states 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft, resulting in a fraudulent entry on my credit report. This unauthorized account and inquiry were added without my knowledge or consent and require immediate resolution. 

INQUIRY -XXXX XXXX XXXX XXXX XXXXXX/XX/2023 ACCOUNT -XXXX XXXX XXXX XXXXXXXX An official identity theft report has been filed with the Federal Trade Commission XXXX FTC ), and I am requesting the prompt removal of this fraudulent item to ensure the accuracy and integrity of my credit report.
Product: Credit card

Capital One is not removing a credit inquiry from a fraudulent account that was opened under my name over 6 months ago. On XX/XX/2024, I received some alerts that a new Capital One account was opened under my name, which was not me. As soon as I noticed the same day, I called Capital One to get that account closed, I was told they would investigate and Id get a letter with the results. 

A week or two later, I got a later saying they found the account was fraudulent and it would be closed and info from my credit report would be fixed within 60 days. So I waited 60 days ( early XXXX ), but the credit inquiry which wasnt me still appeared. I called them back, and was told it was actually 90 days, not XXXX ( even though letter said 60 days ). 

So I waited another month, and called back in early XXXX. I explained everything, and they looked it up, and I was told the account was closed on XX/XX/XXXX, so it would be 60-90 days before the credit inquiry would go away, which is weird because I was told the account was closed back in XXXX. So I gave them benefit of the doubt, and waited another 3 months. It is now approaching the end of XXXX and that fraudulent credit inquiry is still on my credit report. 

This has had an impact on me since Ive been denied a credit limit increase due to have too many recent credit inquiries ( I only have 1 other inquiry in the last year so Im certain this wouldnt have happened were it not for this fraudulent credit inquiry ), my credit score has been impacted for the duration of over 6 months, plus the addition of stress and time it took to deal with this and perpetually monitor my credit report.
Product: Credit reporting or other personal consumer reports

I had two dispute for inaccurate information on my credit report and the problem was not resolved and my credit score decreased tremendously they did not properly investigate the disputes
Product: Credit card

THESE COMPANY ARE IN LITAGATION UNDER THE DOCTRINE OF ESTOPPEL V GRAVENS ( MO ) 281 SW 715, 719 I MAY PREESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORENANY SUCH DEBT, IN FACT EXIST. 

HOWEVER, I am Attaching a Certificate of Discharge AND An FTC REPORT FOR YHE COMPANIES INVOLED and if this persist IWILL BE FORCE contact the SEC TO LET THE KNOW ABOUT THIS SECURITY FRAUD
Product: Debt collection

I have been making payments to XXXX XXXX XXXX on a debt owed to a property management company for over 6 months on time every month of {$50.00}. This company closed on XX/XX/XXXX and debt was bought by IQ Data International. I called this company today, XX/XX/XXXX, to set up a payment plan after receiving their statement on XX/XX/XXXX. First, I discussed that that statement did not reflect the accurate amount owed, as I have proof of actual amount owed from previous debt collector. The agent I was speaking with, XXXX XXXX, states I can email it to her at XXXX. I did email this document as soon I got off the phone with her. Secondly I asked to set up a payment plan. She stated to me they do not accept payment plans and starts to ask me about my employment, rent, car payments, credit cards and other personal information. I let her know I can not pay the amount in full and will have to make payments. She again states she will not accept any payments and asks about my income tax returns and if I can pay off my debt with this after making a partial payment today. I, again, inform her this will not work. She then proceeds to say " yes, I see this is not a priority to you and we will proceed with contacting your employer as we were going to do anyway ''. So IQ data has not even had my debt for a month, has sent me one statement, and not even attempted to contact me by phone. I contact them to set up a payment and they tell me they were already going to start taking money from my paychecks anyways. I am willing to make payments, but they are not willing to accept, which is absolutely absurd.
Product: Credit card or prepaid card

I WAS IMPACTED BY HURRICAINE " MICHEAL '' HERE IN SC IT WAS DECLARED A " NATURAL DISASTER '', I HAVE BEEN CONTACTING XXXX XXXX XXXX SINCE THEN STILL TRYING TO BATTLE THEM CHARGING ME {$27.00} -LATE FEE TWICE AND {$38.00} PMNT XX/XX/XXXX & REP : XXXX XXXX STATED THAT SHE CAN ONLY REMOVE ( 1 ) OF THE 3 LATE FEES AND SHE COULD NOT DO ANYTHING ABOUT THE " NATURAL DISASTER '' FOR ME, SHE STATED THAT I WILL HAVE TO WRITE : XXXX   XXXX XXXX ( CORRESPONDENCE TEAM ). THE REP ALSO STATED THAT THERE WAS NO PHONE NUMBER TO CALL FOR THAT SPECIFIC DEPARTMENT. I HAVE DONE THIS WITH MY OTHER CREDITORS AND THEY PLACED THE NATURAL DISASTER CODE ON MY ACCOUNT AND STATED THAT MY PMNT WILL BE DUE XX/XX/XXXX. I AM HAVING A VERY HARD TIME WITH XXXX  XXXX.
Product: Prepaid card

i received a american express prepaid card as a gift in XXXX 2015, unfortunately i did not get gift receipt with that.. i tried to use the card now and found that it had XXXX balance.. when contacted american express customer care, i was told they can not do much as it was a cash loading issue at the merchant place
Product: Money transfer, virtual currency, or money service

Ive been contacting Robinhood to let me link my debits since its been issues. Keep saying try again in a few weeks when my money cant be move or invest. Theyre not helping or responding my questions to what being asked ( it doesnt matter if I use a different debit cards same issues ). Keep asking if I want to use a bank when I already added in my account, when Im trying make a deposits, it take 4-7 business days and Im on an upgraded plan with Robinhood gold membership with instant transfer for same day. Im paying {$5.00} a month no transfer, does that make sense????!!? Robinhood customer service are not professional with helping my problem with their investment app. I need answer. 
Stop saying within few weeks to help fix the transfer!! No I dont want to use my bank or close my account. Stop playing with my money Robinhood. Everyone else can transfer but I cant. Thats a discrimination against my rights. Contact Robinhood and tell them to unlock or open my transfer on my account. This is about deposit and transfer!!!