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

On XX/XX/XXXX, I made a full payoff payment of {$21000.00} for my student loan account with XXXX. I have payment receipts from both their website and my financial institution confirming the payment was received. 

Over the next few months, I repeatedly called XXXX to confirm that my account was paid in full. Their representatives assured me that : XXXX. My loan was fully paid off. 
XXXX. A minor remaining balance of a few cents due to interest accrual would not be held against me. 
XXXX. I would receive a Paid-in-Full confirmation letter. 

Despite these confirmations, I began receiving delinquency notices in XX/XX/XXXX. I called XXXX multiple times, and each time they confirmed my loan was paid off and told me to ignore the messages. However, the issue was never corrected. 

By XX/XX/XXXX, after multiple escalations and over XXXX hours on hold, a supervisor finally admitted that the problem was due to a misallocation of my fundsnot a failure to pay. By this time, however, XXXX had wrongly reported my account as delinquent to the credit bureaus, damaging my credit score. 

New Issue - Misallocation of Loan Payments & Interest Accrual : After reviewing my account, I discovered exactly how the misallocation occurred : My account originally had XXXX loans : Loan XXXX, Loan XXXX, Loan XXXX, and Loan XXXX. 
The payment I made was not correctly distributed across these loans, leading to incorrect balances. 
My current loan balances show : Loan XXXX : - {$0.00} ( negative balance ) Loan XXXX : {$1300.00} ( incorrect positive balance ) Loan XXXX : {$0.00} Loan XXXX : - {$1300.00} ( negative balance ) Because Loan XXXX incorrectly showed a balance, interest has continued to accrue for the last XXXX months, despite my full payment in XX/XX/XXXX. 

New Issue - Improper Forbearance Status : As of XX/XX/XXXX, XXXX placed my account in forbearance. However, this is an improper solution because : XXXX. My loan was already paid in full in XX/XX/XXXX, so no payment relief was needed. 
XXXX. This does not fix the damage done to my credit report. 
XXXX. XXXX is using forbearance as a temporary band-aid instead of correctly marking my loan as Paid in Full. 

XXXX has mishandled this situation for XXXX months, has caused unnecessary harm to my credit, and continues to mismanage my account instead of properly resolving the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, MEADE & ASSOC # XXXX.
Product: Vehicle loan or lease

The Texas Deceptive Trade Practices Act ( DTPA ) prohibits false, misleading, or deceptive acts in trade or commerce. 
I have been lied to, misinformed, and ignored by Honda Financial on various occasions. I want to bring attention to this matter. XXXX responded that I had a conversation with Honda Financialfailed to follow through on an agreement of making a payment on XX/XX/XXXX, so for that reason, Honda Financial is not honoring a deferment. That is not true I never had an opportunity to set an agreement, that is why I called after I found out but they told me I was wrong. This company has not lowered my fees or worked with me since I Lost my business during covid. Instead, I received a letter with false, misleading information. Cfp needs to step in I have a right
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. Furthermor 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 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 FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that 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. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

XX/XX/year> I submitted a dispute complaint stating that the following accounts listed below are reporting inaccurate information and information that is not mine to Equifax through their direct website regarding the collection accounts listed below ( Confirmation # XXXX ) Account # XXXX : XXXX XXXX, XXXX XXXX Account # XXXX : XXXX XXXX XXXX The credit bureaus stated these accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is inaccurate and the furnishing company has not provided me with any method of verification to how they can verify that this account is mine. This is ground for removal. 
They also violated my rights under 15 USC 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report. 

Equifax replied in statement, for both accounts, " The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. The results are : WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. 

Equifax replied to this dispute XX/XX/year>. If a proper and reasonable investigation was conducted, given the time, how can a reasonable investigation be conducted within 24hours. Under the 15 USC 1681i, it requires for credit reporting agencies to conduct a reasonable investigation when a consumer disputes information on their credit report.
Product: Checking or savings account

I bought a ticket for my daughter from XXXX XXXX. The XXXX XXXX ticket representative was unable to connect her ticket to XXXX XXXX. She told my daughter that she refunded the ticket, and that I will received a refund in three days. I called XXXX XXXX after three days, they told that their system is not working but I can call my bank to get a refund. Capital one denied to give me a refund after opening two claims. the amount is {$1100.00}.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat These items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im writing to inform you of my intent to pursue legal action against Equifax for violations of the Fair Credit Reporting Act. Despite repeated requests, equifax has Failed to delete inaccurate information from my credit report, specifically acct # XXXX associated with XXXX XXXX XXXX. I have provided equifax with evidence and explanations detailing that the account in question and that it should not be inclusde in my credit report. However, equifax has REFUSED to delete this erroneous information, claiming to have conducted an investigation and verified the accuracy of the account. In contrast, XXXX, another major credit reporting agency, investigated the same account and could not validate the debt. As a result, XXXX promptly removed the account from my credit report. This stark disparity in the handling of the same information by Equifax and XXXX underscores Equifax 's failure to comply with the FCRAs requirement to report accurate and verifiable consumer information. I demand that Equifax immediately delete XXXX XXXX XXXX acct # XXXX from my credit report due to their inability to provide adequate VALIDATION of this account. Failure to do so will compple me to pursue legal action against Equifax to seek remedies for their noncompliance with the FCRA. I kindly request that the Consumer Financial Proctection Bureau to investigate this matter and take appropriate action to ensure the Equifax fulfills its obligations under the Fair Credit Reporting Act. Your intervention and oversight are crucial in holding Equifax accountable for their negligent actions in protecting consumer rights. Thank you for your attention to this matter. Sincerely, XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Someone stole my wallet and used my PayPal card fraudulently. My paycheck is direct deposited to that account and when I went to check the balance that morning it was almost empty. I called PayPal and reported my card stolen and disputed the charges and I clearly want the one who made the withdrawal because I was asleep when it happened, PayPal denied my claim and said the charges was accurately made
Product: Checking or savings account

XXXX $ was able to leave my account do to my account being compromised which put me in a bad situation to be homeless
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX XXXXnd 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 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 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 XXXX 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 never sent the periodic statement along with the disclosures from section XXXX ( 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 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 card or prepaid card

I was charged the annual fee ( {$170.00} ) on my Wells Fargo credit card last XX/XX/2019. I called and asked them what my options were for closing my account so I didn't have to pay the annual fee. They told me I could 'product change ' my credit card to the no-annual-fee version of the card. I agree and told them I would like to change it. 

They opened the no-annual-fee card, but now I noticed they did a 'balance transfer ' of the annual fee from the old card to this new card. I didn't realize this has happened and just logged into my account now to see the charge. I have also been getting charged interest on the fee since XX/XX/2019, so the charge it now up to {$190.00}. 

I asked them if they would remove the fee and all interest charges from my new card, since it is a no-annual-fee card, I am not sure why the prior fee got balanced transferred over to this new card. They refuse to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I switched bank accounts from XXXX XXXX XXXX to a local community bank. When it came time to switch my payment information for those bills I pay online, I did so accordingly. However, when I tried to make my monthly student loan payment to XXXX   XXXX XXXX, my payment failed and/or was cancelled ( you'll see on my supporting document in the screenshot that shows my multiple attempts ). I was not made aware of this failed payment until logging into the account several days later. I first tried to call XXXX at the beginning of XXXX to solve this issue. After more than 6 weeks of phone calls to employees and supervisors, as well as and email correspondence ( which started XX/XX/XXXX - please note : we received our first debt collector call on XX/XX/XXXX ) with a customer service representative, my issue is/has still not been resolved and I have had to process payments via mail for the time being. XXXX  continued to waive my late fees every time I called, but has taken no responsibility for the late payment ( s ) that is their fault. Through my own independent research, I found that that probable issue was XXXX was not able to accept the new routing table of my new bank account - even though I was/am having no issues with other online payments such as XXXX XXXX and XXXX.  After various phone calls with supervisors and their IT department, they stated they 'fixed ' the issue but my payments were repeatedly denied. Again, I was never made aware of my initial late payment due to their ( XXXX ' ) failure to process my payment. Both mine and my father 's credit score were severely impacted due to this egregious error. On XX/XX/XXXX, I received an email saying the IT issue had been rectified and to address my dispute directly with the credit bureaus. I filed disputes around XX/XX/XXXX with all 3 credit bureaus and it fixed my alleged late XXXX payment, but not my XXXX - which is clearly an error. I am in the process of refinancing my mortgage and purchasing a new car and now have the lowest credit score I've ever had in my life. Not to mention, it has impacted my father who remains a co-signer even though I've been making on-time payments for 7 years. XXXX has also failed to supply him with the documentation to take him off the account and our email correspondence with our loan agent has gone dark and unanswered. It is my understanding that Transunion made the credit inquiry to XXXX in the first place. It seems that XXXX would have the means to report past due accounts, as in this case, so they would also have the means to report other information to the credit companies, such as this IT issue. 

**Attached you will find email correspondence with Loan Servicing Agent, XXXX XXXX of XXXX,  as well as the payment portal that shows my attempted payments.
Product: Mortgage

This is my 3rd complaint against my mortgage company. We were hit in the Florida Panhandle by Hurricane Michael in XX/XX/2018. We have a fence and a roof. Nothing more! Here we are with a portable storage unit in our front yard, awaiting a roll off dumpster and a contractor who was ready to start work on our interior. We are quickly approaching hurricane season, are trying to move out of our home that we have worked so hard for with our kids and looking for places to live which is near impossible. We were low balled by our insurance company and done just as most did. We hired a public adjuster with the agreement they receive 10 % of whatever they get us extra. Now we are being told that we have to pay out of our pocket for the public adjuster instead of the mortgage company issuing a check to them for payment. Had it not been for them we would have never been able to fully fix the home. So our mortgage company gained another XXXX so that we could make all of the repairs .... only because we hired the public adjuster but they arent willing to pay the invoice sent in from the public adjuster. This is XXXX ... we have been in direct contact with a " Supervisor " XXXX and she has tried to help. We simply do not have over XXXX to pay out of pocket given our circumstances. If we have to pay for the additonal money that our adjuster got for us then shouldnt we have the money and not the mortgage company? It seems the only aid we have gotten is quoted protocols. These people arent in our shoes and we are beginning to get very frustrated for a lack of better words. The amount of money they will issue at a time won't even cover the cost of the supplies needed to start the job and the materials have skyrocketed due to the demands. Also while we fight day in and day out with this mortgage company while trying to maintain our jobs and be parents to kids in school, where is the interest going that they are collecting on our insurance money that we are having to literally beg for. We have been told its going into escrow and have asked for something showing that but yet still nothing. We need help here! These mortgage companies are putting us in even greater danger by not getting the ball rolling to have repairs made before another hurricane comes along. This is our lives we are talking about and we have sacrificed enough. Everyone is passing the buck and its time someone takes charge. I dont want a simple extension of a supervisor at this point. I want to be contacted by the higher ups of those said supervisors. We are very disappointed in the way things have been handled since this company bought our mortgage shortly after the hurricane. Disgust is what I feel for them at this point and that is putting it nicely. I wouldnt dare recommend FLAGSTAR BANK TO A SINGLR SOUL! STEER CLEAR OF THESE PEOPLE BECAUSE YOUR BEST INTEREST ISN'T WHAT THEY ARE LOOKING OUT FOR!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with Them : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

Notice of Dispute for Debt Not Due Under the Fair Credit Reporting Act I. 

This is a complaint pursuant to the terms of the Fair Credit Reporting Act ( FCRA ), Title 15 U.S.C. 1681, et seq., disputing the accuracy of and to have deleted from my consumer file with XXXX, XXXX, and XXXX consumer reporting agencies erroneous information that I am indebted to XXXX XXXX XXXX XXXX XXXX ( XXXX ) to the sum of {$200.00} for XXXX XXXX XXXX ( " XXXX '' ) services provided on XX/XX/2018, as alleged and reported by Harris and Harris, a third-party debt collector as defined by the FCRA, acting on behalf of XXXX. 

II. 

The factual basis for this dispute is that I am not indebted to XXXX to the sum of {$200.00} for XXXX services provided on XX/XX/2018 as alleged by Harris and Harris. Annexed hereto is a billing statement from XXXX for that date. The statement reflects a XXXX balance. As there is no balance due XXXX  there is no debt due XXXX/ XXXX. 

The legal basis for this dispute is that the alleged debt is predicated upon inaccurate information and therefore invalid, unenforceable, and merits removal from my consumer files with XXXX, XXXXXXXX  and XXXX  consumer reporting agencies as per the terms of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ).
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I disputed a charge for from a tow company for improper towing of my vehicle on XX/XX/XXXX. I paid for the charge, however expected a credit upon resolution of the case. I was initially credited on XX/XX/XXXX, but was re-billed on XX/XX/XXXX. I was asked to submit more information to support my dispute and provided what was required of me to have my claim continued. On XX/XX/XXXX, they informed me I was credited again, however a 2nd charge back was never given. they asked for more documentation, which I also submitted. On XX/XX/XXXX, they denied my claim and stated they " can only request credits when they can document that the merchant violated an operating rule or regulation, '' which I provided evidence for. I contacted them that same day and asked what was necessary of me to continue this claim. They asked that I provide further documentation, which I did once again. On XX/XX/XXXX and XX/XX/XXXX, they sent a letter stating they had received my documentation and will continue my transaction dispute investigation and may contact me with follow-up questions, but until then, no additional information was needed. Now they claim my case has been sent to the " back office '' for review, however I have been told by a few representatives, my case is closed and has been for over a month now
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to make my personal info on my credit report be updated. Specifically, I requested my old addresses be updated or removed because I don't live there any more. Moreover, I have submitted necessary documents to show my identity and current address, respectively but TO NO CHANGES AT ALL. 
I also submitted a complaint on FTC about this matter.