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

I am short on funds this month and used Paypal 's Pay in 4 installment loan to pay for a large purchase that could not be delayed. My first payment of {$69.00} went through without issue on XX/XX/XXXX. The rest of my payments were scheduled 2 weeks apart. I like to control my finances as much as possible instead of letting my money being taken automatically whenever possible. My next payment was scheduled on XX/XX/XXXX. I got my paycheck direct deposit on XX/XX/XXXX and used part of it to manually submit {$69.00} for my second payment.I expected my loan status to show 2 of 4 payments complete but instead it showed 3 of 4 with one remaining. I was charged for an extra payment I did not authorize Paypal to make a seond payment on the XXXX. I spent the next day leaving messages to paypal 's customer service because Live chat was no available. I was repeatedly told it could not be reversed and nothing could be done even though I did nothing wrong. All I want is my {$69.00} back so that I can pay another bill this week. I would then pay the 3rd payment on XX/XX/XXXX as planned. Paypal is forcibly denying that normalcy due to their failure to properly charge me only once. Paypal does not even let me claim a problem with the transaction through thier own Resolution Center. It instead offers me a link to look at the User Agreement. I looked over the agreement but could not find any section that shows Paypal is in the right here, but to contact the Resolution Center if there an issue. The company is sending me in circles in order to fix thier own mistake to give back the moeny they stole from me. I have also disputed this with my bank but have not yet heard a final response from them.
Product: Credit reporting or other personal consumer reports

THE ACCOUNTS LISTED DOES NOT RELATED TO ANY TRANSACTIONS DONE BY ME.
Product: Debt collection

I had request a verification of the debt and the creditor has not done so.
Product: Credit reporting

There is a child support account with number XXXX on my credit report that should not be on there. I disputed with the credit bureaus and it was verified. Therefore, I contacted the court house that was reporting the information and they told me that they do not verify information to the credit bureaus. I attached a copy of the letter they sent me. This is a violation of the FCRA and this account should be deleted.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX OF XXXX ) XXXX Balance XXXX {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX reported inaccurate account balance for account number XXXX on my XXXX, XXXX, and Transunion credit report. I filed a dispute with this bank and the three above credit beaus on XX/XX/19 because I paid this balance in full. Nothing was done and they are still report a balance of {$400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to freeze my credit report with Experian today. I first registered with their website, and the process included verifying my identity. I was able to do this successfully and access my credit report. However, there was no way to " freeze '' my credit from within the account, only to PAY to " lock '' credit. Through an internet search, I found a separate location on www.experian.com, outside of my " Experian account '', where I could submit a " freeze '' request. I entered the same identifying information that Experian accepted just moments earlier for me to establish my account, yet my request was denied and I was asked to send information by mail. Clearly, they are hoping users pay to " lock '' credit rather than using the free credit freeze. 
I strongly suspect that this is a deliberate attempt by Experian to prevent consumers from freezing their credit as the law allows.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center, XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Demand for Immediate Account Removal Due to FCRA Violation To Whom It May Concern, I am writing to formally demand the immediate removal of the following account from all credit reporting agencies due to your blatant violation of the Fair Credit Reporting Act ( FCRA ) : Account Number : XXXX **** Under FCRA Section 1681s-2 ( a ) ( 3 ), it is your legal obligation to notate an account as in dispute once a consumer challenges its accuracy. You have failed to fulfill this requirement, despite my previous dispute notification. This constitutes a serious violation of federal law and demonstrates your reckless disregard for my rights as a consumer.

Your failure to properly update the dispute status of this account means you are reporting false and misleading information. According to FCRA 1681s-2, this violation provides me with automatic grounds for account removal.

I am demanding that you : 1. Immediately remove this account from all credit reporting agencies.

2. Provide written confirmation of the accounts deletion within 15 days.

Failure to Comply Will Result in Legal Action : If you do not comply with this demand, I will take the following action without further notice : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Pursue legal action under FCRA Sections 1681n and 1681o for willful or negligent noncompliance, which may include claims for statutory damages, punitive damages, and attorneys fees.

This is your final opportunity to correct your violation and avoid legal consequences. I expect your full cooperation and confirmation that the account has been removed from my credit report.

You have 15 days to comply with this demand.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage loan was paid off to XXXX XXXX XXXX XXXX on XX/XX/XXXX and received by XXXX, and spoke to agent who said since they don't have the manpower to credit it on the XX/XX/XXXX because it was received after XXXX I would be charged interest because they would credit my account on XX/XX/XXXX, and I have an escrow account so am owed a refund for PMI/property taxes/insurance. The loan was paid off on XX/XX/XXXX so the balance is XXXX  and XXXX transferred my loan without my knowledge although I had several conversations with them before it was paid off in XX/XX/XXXX to XXXX  XXXX XXXX in XXXX, Texas. Some customer service agent their was very dismissive/passive about my loan. Now it is showing I owe $ XXXX in mortgage loans on my 3-credit reports AND my credit score was dinged 75 points for all credit bureaus when I am in the middle of buying another property and these folks at XXXX XXXX XXXX servicing do not know who transferred the mortgage loan over gave me three unknown names not affiliated with Loancare/Cashcall and reported a balance of {$290000.00} when there is NO BALANCE DUE ON THIS LOAN!!!!!!! I made a mortgage payment to XXXX in the amount of {$1900.00} on XXXX.WHAT IS GOING ON?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX Delete!! 


incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Delete!! 


Unathorized inquiry. 
XXXX XXXXXXXX Date of inquiry : XXXX Delete!! 


Unathorized inquiry XXXXXXXX XXXX XXXX  XXXX Date of inquiry : XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX Date of inquiry : XXXX DELETE!! 


Unathorized inquiry XXXX Date of inquiry : XXXX Delete!! 


i noticed this issue in XXXX correct information needs to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNDER 15 USC 1666b THIS LATE PAYMENT ENTRY IS A VIOLATION. I HAVE BEEN INCORRECTLY BILLED.

XXXX XXXX Account Number:XXXX please update the status of this account to " paid on time ''. 


Under 15 USC 1666b this late payment entry is a violation.I have been incorrectly billed. 
XXXX Account NumberXXXX Please update the status of this account to " paid on time ''. 


Under 15 USC 1666b this late paymententry is a violation.I have been incorrectly XXXX Account NumberXXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXXXXXX Account NumberXXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX Account Number:XXXX  Please update the status of this account of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX Account NumberXXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX  Account NumberXXXXXXXX  Please update the status of this account to " paid on time '' This account needs to be validated. 
XXXX Account XXXX
Product: Checking or savings account

My XXXX account was hacked which was linked to my chase account. This account wasnt active so I didnt notice the email from chase fraud asking me to authorize the purchase which I did not ; however they allowed that and hundreds more treats actions to go through until my account was drained. After I called to make them aware they still let another {$700.00} worth of transactions go through which caused me to have to close my account entirely. Some funds were returned but than later reveresed saying XXXX should cover it. Now Im out {$14000.00} after chase is violating there own policies for fraud protection.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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 XXXX 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: Payday loan, title loan, personal loan, or advance loan

I applied for a personal loan online, was pre approved, and hard credit query was performed. Upon approval, I was required to submit XXXX documents, a pay stub, and a document with my bank information ( bank statement or voided check were specified ). I provided a bank statement, which was declined due to part of the account number being blurred. They then requested a voided check. I went to my bank and got a voided check, scanned and submitted it. Then XXXX hours later, I received a message telling me my document verification could not be completed and that I had a detailed message sent to my account inbox regarding this message. Within the same minute, I received another email telling me my account had been terminated. Now I can not access the account to view the message, and I have spoken with XXXX people on the phone within the company to try to figure out where I can receive this message and all three have told me I will not be receiving another message and they can not help me.
Product: Checking or savings account

I was a victim of unauthorized charges. i regained access to my account. 
i checked most recent transactions dating back 6 month period. I noticed multiple unauthorized transactions. I immediately contacted company/bank to file dispute close account and report fraud. 
I already recently had tgree bureaus alerted to victim of compromised accounts as well as victim of identity theft. I have active fraud alerts. I have no knowledge of the reported transactions in dispute status.
Product: Credit card

Request to remove Hard inquires with FTC. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Santander Consumer USA XX/XX/XXXX Santander Consumer USA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was trying to buy a house an I realize I had damaged on my credit report. There should not be any damage on my report its a defamation to my character.
Product: Money transfer, virtual currency, or money service

i was conected by a women via phone call pretend an expert trader she ask me open coinbase wallet account wich i did then she ask me to open account with XXXX  trading platform.i link my XXXX XXXX account with coinbase and purchase XXXX  then tranfer to XXXX for trading. trading was very successfull i make about XXXX.once i try to withdraw from XXXX they refuse sending money.And ask me to deposit XXXX more for authenticate my id that time i realise its all scm and frud
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX  XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XXXX  XXXX Balance : {$36000.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and found grave error with XXXX, Experian and XXXX reporting to my consumer report as late, missed or charged off, because of thus I am being discriminated against to extent my credit. Account are : XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX are reporting as late or missed payments. 

XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. These accounts are reporting as charged off, these accounts where never late or missed a payment I have repeatedly requested XXXX, Experian and XXXX to validate these account and updated accounts.
Product: Mortgage

Subject : Complaint Regarding Mortgage Company Holding Insurance Funds Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against my mortgage company, LoanCare, regarding the mishandling of insurance funds for XXXX  damage repairs to my home. I have been experiencing significant issues with them since XXXX, when I first received the insurance check for XXXX  damage to my property. 
Here is a summary of the situation : 1. Insurance Funds : I received the insurance check and promptly sent it to LoanCare, as required. However, LoanCare is only releasing {$40000.00} of the check to me initially, and they are telling me that I must undergo an inspection before more funds are released. 
2. Confusion and Contradictory Information : I was informed that the first inspection must show that 50 % of the repairs are complete before additional funds are disbursed. However, they are refusing to release 50 % of the insurance funds to allow me to begin the repairs, which is contradictory and preventing me from moving forward with necessary work on my home. 
3. Lack of Transparency : LoanCare has been unable to provide me with any documentation or agreement showing that I authorized them to hold my funds or release them in increments. Each representative I speak with provides a different response, and I am given inconsistent information regarding what I need to do to get the funds released. 
4. Request for Clear Documentation : I have asked them to provide any signed agreement that would authorize them to hold and release the funds in phases, but they have not been able to do so. I have been told that all my calls are recorded, and I would appreciate your assistance in reviewing these recordings to verify the discrepancies in the information Ive been given. 


I am requesting that LoanCare either provide clear documentation showing that I agreed to this process, or if no such agreement exists, release all my insurance funds immediately so that I can begin repairs on my home. 
This situation has caused significant frustration, and I am seeking your assistance in resolving this matter. Thank you for your attention to this issue. 

XXXX XXXX
Product: Credit card or prepaid card

I have a Well Fargo Active Cash Credit Car with Well Fargo Bank. I were charged for multiple times for unauthorizes charges from a merchandise that I am not recognize either, I did contact Well Fargo to resolve the problem, they replaced in total more than two card and account during the investigation, end up give me temporary credit for my account. Then, they did send me a letter about calling them back for the report/claim, but the date stated in the letter was in the end of XXXX and post office delivered the letter after the due date that the bank needs me to call back. Turn out, at the end the bank decided to give out a decision on their own, I did tried to made a phone call with Well Fargo banker in XX/XX/2023, the call was taken placed at around XXXX XXXX  same day, I were on the phone with multiple banker from their different department, at last I got a chance to speak to a Fraud department agent, he stated that the claim I made was denied, he did open a reconsideration form about the case for me. But when I asked about the chances of them actually accept the claim is not guarantee. Basically, all they said to me was if the claim was not made and I will pay for those unauthorizes charges in total of {$1700.00} with the same merchandise happen at the same day for {$99.00} were charged on my account XXXX times, and XXXX was {$29.00} and XXXX was {$60.00}. The bank, Well Fargo found those charges was authorized by me, which is not true in my option because it happened at the same time even I received a text message alert about those charges, that is how I knew and reported it to the bank. Plus all those charges was from the XXXX XXXX, I lived in XXXX XXXX.
Product: Credit card

First Progress Card is reporting that I owe them on all XXXX of my credit reporting agencies. I 've never opened up a card with this company. 
1. I 'm requesting an application with my signature on it 2.I need proof that this account belongs to me
Product: Mortgage

Stearns Lending, LLC Loan Number XXXX Close of Escrow was XX/XX/2015. 
Amount involve is {$370000.00}. 
Loan amount was paid by escrow XX/XX/2015. 

No Reconveyance Deed recorded as of today.