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

I updated my banking information with the company on XX/XX/2024. However, they continued to pull payments from my old account. I emailed their support team about this because it caused the account to be overdrawn. The old account was closed, yet they are still trying to pull from the old account. They continue to text me saying I am late on payments but I have emailed them multiple times showing them a screenshot where my account on their site has the correct information. I even included a voided check, yet they continue to ignore this.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Account XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX | XXXX Collection XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX Collection XXXX XXXXXXXX XXXX XXXX XXXX 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 that a consumer reporting agency can not furnish an 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 and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is or may be inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/2024 Dear Sir/Madam, I am writing to dispute an error on my credit report. According to the report from [ TransUnionXXXX  ] XXXX there is a 30-day late payment listed on my account with XXXX XXXX XXXX XXXX. However, I would like to bring to your attention that this information is inaccurate. 

On XX/XX/2024 I made a payment to my XXXX XXXX XXXX account # XXXX, and I have documentation to support this payment. I have attached a copy of the letter from XXXX XXXX XXXX XXXX confirming the error and stating that they have removed the 30-day late payment from my account. Accordingly, due to consumer 1681i. Procedure in case of disputed accuracy 1681e - Compliance procedures 1692g ( b ) Disputed debts - Validation of debts Instruction : Please remove inaccurate late payment. Account as paid on time. 

I request that you investigate this matter and correct the inaccurate information on my credit report as soon as possible. Please provide me with written confirmation once the investigation is complete and the error has been rectified. 

Thank you for your prompt attention to this matter. 

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

I recently got copies of my credit reports, the following are hard inquiries on my account not authorized by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Company refuses to review calls. I was promised for my specific credit card that I qualified for a {$200.00} promotion if I spend XXXX during the first 90 days. The company kept lying saying I made qualifying purchases and strung me along giving me different date that I would recieve it. I opened the secured credit card in XX/XX/2021 and Bank of America changed said I would t get it after all. I am upset. I was interested in a different bank credit card elsewhere. The false statements is a violation of anti trust I believe or an inticement. As well as, my {$200.00} provisional credit was reversed for a XXXX. I asked for an accommodation due to a XXXX and was told to go into a Bank of America for that. They refused to accommodate. Which is ironic due to the nature of the XXXX dispute. So I am owed approximately {$400.00}
Product: Vehicle loan or lease

Santander consumer is misapplying payments, they now reflect my account as past due when I have made a payment EVERY month since opening the account. They have stated to me that they have sent the account for internal review but I do not trust them to do anything correctly. I have attached all payments since the account was open to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2020, I spoke with Caine & Weiner about losing my job due to Covid-19 pandemic which caused me to not make payments. However, Caine & Weiner made an agreement with me to pay the full balance of {$670.00} for deletion from my credit report by XXXX XXXX 2020. 

On XXXX XXXX 2020, an incorrect derogatory balance of {$750.00} was placed on my credit report for the second time in which the correct balance is {$670.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain accounts and a collection entry listed on my credit report.My personal information was involved in two data leaks : Equifax and XXXX XXXX These accounts were fraudulently opened in my name without my knowledge or authorization. I request that you remove them from my credit report promptly.
Product: Checking or savings account

XX/XX/XXXX purchase a cashier check in the amount of {$1500.00} for my rent. Check made out to XXXX XXXX XXXX. My landlord took me to court; got judgment and eviction for not paying my rent for period XX/XX/XXXX through XX/XX/XXXX. Truist ( XXXX XXXX XXXX, XXXX, VA ) told me in XXXX the check wasnt cashed. I needed to wait until XXXX to stop payment. I was charged {$35.00} on XX/XX/XXXX for stop payment. I talked with customer service by phone on XX/XX/XXXX for 2 hours, to stop the check. I went inside the back and completed the process to have the money refunded to my checking account, which posted XX/XX/XXXX. On XX/XX/XXXX bank took the money back out my account claiming the check posted XX/XX/XXXX. The copy of the check the bank showed me had no signature to endorse, but a stamp from XXXX XXXX. I have asked who cashed the check because my rental property claim they didnt receive. If the check had cleared why did Truist charge me {$35.00}, and didnt locate the posted check earlier. Somebody took my money which caused me to XXXX. I want answers
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 15 USC 1681. 

XXXX XXXX XXXX - Account Number : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

On XX/XX/year> I received a notification that Bank of America pulled my credit score. I checked my Bank of America account to find that a new credit card was opened in my name with a {$20000.00} limit. I called in to report the account as fraudulent. The customer service rushed me off the phone without any explanation of what happened.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the re
port by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On the XXXX of XXXX, I applied for a mortgage with Huntington Bank. I received an approval message from XXXX XXXX on XXXX XXXX, XXXX. Since I now had an approval letter, I made the decision to purchase a house instead of renting. I found a house in my price range and with my real estate agent and reached an agreement with the seller. A few weeks later, I started the closing process which included the earnest money and an inspection totaling XXXX XXXX XXXX  earnest and XXXX inspection XXXX XXXX XXXX XXXX, XXXX, I received a casual email from XXXX XXXX stating that the underwriter had now declined the load based on insufficient work history. XXXX stated that I should get my XXXX to co-sign. The co-sign issues was also brought up when I initially applied for the loan. It was clear to me that XXXX XXXX used a bait and switch approach to win the loan using my XXXX as a Co-sign. The reason for the denial was insufficient work history, which had n't changed since my original application. I contacted XXXX 's superior and XXXX XXXX from Huntington Bank XXXX XXXX to no avail. 

I requested a formal denial letter several times, the last time on XXXX XXXX. Today, I received the official statement of credit denial. XXXX XXXX XXXX, XXXX ).
Product: Credit card or prepaid card

XXXX XXXX dollars ( {$900.00} ) was stolen from this account California EDD Deposited {$900.00} Unemployment benefit to my account XX/XX/2020 My bank card never left my wallet except when I used it myself. 
There is no written record of my PIN number. 
According to bank records, the funds were stolen on XX/XX/2020 You can also see earlier attempts to withdraw funds on XX/XX/2020 and on XX/XX/2020 o None of those transactions were done by me. 
o None of them were done at a location I have ever used. 
A police report was filed XX/XX/2020 with the XXXX XXXX County Sheriff # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing this complaint to inform your department that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}
Product: Credit reporting

I sent bureaus information about this account not being mine. They have not deleted from my credit file.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XX/XX/year> I've disputed incorrect information and collections being reported on my credit report. I've requested old addresses and names I've never used to be removed from my credit report. They still remain. I have sent in proof and my identity and address to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted all the proper paperwork to TransUnion they investigated and concluded that it was reported wrong. They removed the bankruptcies and then put them back on. I have a copy of when they deleted them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a bankruptcy on my credit report and they claimed to have verified it with XXXX i received a copy of my XXXX report and there is no Bankruptcy being reported on my report so this is inaccurate so please investigate and send me your findings thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, MyGreatLakes has noted my account as in FORBEARANCE. I have made all of my payments including additional payments. My credit score has dropped 20 points as a result of " deferred payments notation '' that I did not request. I have reached out to them to remove this immediately with no response. I Have made 2 payments of {$500.00} in a matter of one month instead of one {$100.00} payment to show I do not want any assistance. As a result of their incorrect Remark on my credit report, my credit score dropped by 20 points or so. I need this fixed asap because this is causing damages to my potential loan options for future purchases. I need this repair asap. This is an illegal practice. I have a contract with the bank and have met all of their stipulations. To dock my score illegally and force me in to a " forbearance '' is false pretense. I need this resolved immediately. Please advise me on future steps I can take. This is causing massive financial damage to my purchasing power / cost to borrow. I need this resolved.
Product: Prepaid card

On XX/XX/2023, I bought a {$100.00} Vanilla gift card from XXXX with the intention of giving it as a gift. However, the intended recipient informed me that they couldn't activate the card. They reached out to customer service, only to be informed that the card was invalid. 

On XX/XX/XXXX, I contacted the company regarding this issue, and they instructed me to provide proof of purchase, as well as images of both the front and back of the card, along with a copy of my driver 's license. They furnished me with the incident number XXXXI promptly submitted all the requested information. I made multiple follow-up calls, but received no updates on the status of my case. 

Now, more than 30 days have passed since the initial contact, and I am seeking a refund of both the purchase amount and the activation fee. It's clear that my funds have essentially been withheld, and it appears they are unwilling to address this situation appropriately.
Product: Mortgage

You will see past complaints because I have been fighting numerous issues since XXXX. You just closed the prior complaint against Lakeview but they only addressed one of the two issues. They FINALLY realized their error in double paying a tax bill for XXXX and FINALLY reimbursed the amount and then redid the escrow analysis but they neglected to address the {$210.00} that they paid on XX/XX/2021 ( the same time they double paid the XXXX. 

This {$210.00} was a penalty payment that the prior lender charged to me in error. They admitted fault for not paying the tax bill from my escrow and after much effort Lakeview finally reimbursed me the fee. The money was sent from XXXX to Lakeview. Only to have Lakeview turn around and charge me again!!!. 

I am requesting the reimbursement of {$210.00} back to my escrow and then request that they once again run the escrow analysis. This is now going on 6 months that I have been fighting these issues first with XXXX and then with Lakeview. The beginning escrow shortage was over {$2000.00} all of which was errors on both lenders behalf. I am beyond frustrated!
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, never gave Equifax any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
As a consumer, I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am filing an official complaint against the following business : XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, LVNV Funding ( Resurgent Capital Service ) The reason for the complaint is : continued attempts to collect an alleged debt, and reported this alleged debt to credit bureaus, while having failed to honor my written request for validation of said debt. Most notably, they have failed to produce any documentation that I owed this debt at any point, such as a contract signed by me for a service previously rendered for a specified period. For the record, I assert that this claim of debt is entirely fraudulent, as such a document with my legitimate signature on it does not exist. I have attached the following pages for your review : on which I indicated my wish to dispute the debt. This was mailed back to XXXX/LVNV/ and XXXX via certified mail in the same envelope as my debt verification request letter on XXXX. -Copy of the debt verification letter I mailed to XXXX/LVNV/ and Portfolio via certified mail on XXXX XXXX of XXXX mail return receipt, proving that XXXX/LVNV/ and Portfolio received my debt verification letter on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card from wells Fargo with aXXXX credit score they discriminate against me by denying me credit with XXXX credit score .That along show improper use.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased/financed a XXXX XXXX XXXX XXXX XXXX through XXXX XXXXl for {$21000.00}. On XX/XX/XXXX I place the XXXX for sale on the internet. On XX/XX/XXXX I was contacted via phone/text by a person claiming to be XXXX XXXX from XXXX XXXX LA. After agreeing on a sales price of XXXX XXXX XXXX advised me that all he needed was the VIN # of the vehicle and his bank can wire the payoff to XXXX XXXX. A few moments later I checked my XXXX XXXX account and it reflected a {$0.00} balance and that the loan was satisfied. That night XXXX XXXX set up a transporter to pick up the XXXX. I called the next morning on XX/XX/XXXX and spoke with a XXXX XXXX  representative and she confirmed the payment and advised me that the Title would be available in 20 days and confirmed my automatic payments where discontinued. On XX/XX/XXXX I was contacted by XXXX XXXX and was advised that it was a scammer and a false payment and that the full amount of {$17000.00} was still due and I would be responsible for paying it. XXXX XXXX has a legal responsibility to protect there consumers from fraud and recognizing false routing numbers and account numbers. I have filed a report with my local law enforcement and I am seeking for the loan to be forgiven and satisfied.
Product: Debt collection

i was checking on my credit report, i saw five accounts, XXXX XXXXXXXX XXXX XXXX {$3100.00} Open balance Original creditor name XXXX CITIBANK N A XXXX XXXX Last reported XX/XX/ {$2400.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/ {$1700.00} Open balance XXXX CITIBANK N A Original creditor XXXX XXXX XXXX XXXXXXXX Last reported XX/XX/ {$1400.00} Open balance XXXX XXXX XXXX XXXX Original credito XXXX Last reported XX/XX/ {$1300.00} Open balance XXXX XXXX XXXX XXXX Original creditor THESE Accounts shouldn't be in my credit report, at all, without my consent they gone to my personal details and addresses have expose my information to the black web, i have received phone calls threating me for money and bank statements, 15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any infomation relating to a consumer to any consumer if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received letter from XXXX XXXX XXXX. Informing me they rececently have received inquiry about my dispute of mortgage loan being paid off in full by me. That being reported my mortgage still showing open as being delinquent in payments and foreclosure on my credit report through Experian, XXXX and XXXX that causing my credit scores not to increase.
Product: Money transfer, virtual currency, or money service

Hello I've used your platform for XXXX XXXX and they denied my claim. I am now going after Cashapp because these transactions were not authorized by me. I've opened numerous cases with cashapp and they are being denied. I've been researching this since the day this has happened and there are so many ways of comprising a person 's information. I'm beginning to think it could have been an inside job whether it be XXXX XXXX or cashapp. 
On XXXX XXXX these transactions took place from my XXXX XXXX acct to cashapp. 
Transaction XXXX  XXXX XXXX withdraw to XXXX XXXX completed XXXX transfer from XXXX XXXX Completed XXXX transfer to choice financial group completed XXXX transfer from XXXX XXXX failed XXXX transfer from XXXX XXXX XXXXXXXX purchsed bitcoin XXXX bitcoin sent XXXX debit card failed XXXX transfer from debit card successful XXXX debit card failed XXXX purchsed bitcoin XXXX bitcoin sent XXXX funds sent to a XXXX failed XXXX funds sent to a XXXX green failed XXXX purchased bitcoin XXXX sent to XXXX XXXX failed XXXX transfer from XXXX XXXX XXXX transfer from XXXX XXXX failed XXXX transfer from card XXXX failed XXXX was taken. 
When I ask cashapp where their security team was to see how this is not a routine for my acct they have no answers and will not address it. 

Cash App, and other payment apps like Cash App, fall under the requirements of the federal Electronic Fund Transfer Act ( EFTA ). This Act covers electronic transfers, 1 ) that are made by someone other than you ( the account holder ), 2 ) that are not authorized by you, and 3 ) you do not receive any benefit from the transfer. 
Cash App is covered by the XXXX. 
I've addressed this with both companies and do not get any answers but just a denied. 
Where is my protection, apparently I have none and this is not right. I've contacted my phone carrier explaining what happened and they have no way of knowing if my phone information was comprimised. 
Again I am contacting you for protection and the return of my funds.