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

I currently have an open a Affirm account on my credit report Ive contacted affirm several times theyve confirmed the account is closed sent me documentation to submit to XXXX which I have done. I have filed a few dispute accounts with XXXX and provided that documentation and I still getting notified that they worked with the lender and all the information is correct. Its currently showing open with the remaining balance with over a year that the last time the account was updated and I still can not get it to close out and all my documentation shows that has been paid in full and even a firm has confirm that as well.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Related to Social Security Breach Dear Sir/Madam, I am writing to formally dispute any inaccuracies in my Social Security account resulting from the breach that occurred in XXXX. My name is XXXX XXXX and I believe that my personal information has been compromised, leading to unauthorized access and potential fraudulent activities. I request that you conduct a thorough investigation into my account and take the necessary steps to correct any discrepancies that may have arisen from this incident. Enclosed with this letter are copies of any relevant documents that support my claim, including [ list any relevant documents, such as identification or notices ]. I appreciate your prompt attention to this matter and look forward to your response. Thank you for your assistance. Sincerely, XXXX XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I sent a {$1.00} transaction from myself ( ME ) to XXXX XXXX ( CO ) to test an e-commerce button I had just installed on the company website. Mistakenly there was a {$26000.00} item in the cart, and PayPal processed the transaction for {$26000.00}. 

The problem was complicated by the fact that in trying to block the transaction for happening I disputed it with my credit card provider. Then after after being told that a dispute would prevent a refund to XXXX XXXX I un-disputed it, and then after that didn't work either I re-disputed it. This created a series of transactions that exceed the ability of customer service agents working on chat to understand and resolve. 

So now after months of attempts to reverse or annul the transaction at PayPal, multiple and continuous attempts to reverse or fully credit the transaction at my credit card provider, and at the online merchant backend provider, on behalf of myself ( ME ) and of XXXX XXXX ( CO ) have failed and PayPal now insists that I personally ( ME ) owe the {$26000.00} but they won't refund that money to XXXX XXXX ( CO ), so I'm stuck holding the bag for a completely fictitious {$26000.00} transaction. It's a bookkeeping mistake, somebody needs to make another debit or credit entry, but I can't manage to speak to anybody at PayPal. Everything is by chat only, with low-level agents who don't understand and refer me to everybody else like the credit card company. But XXXX says that PayPal tells them that too much time has gone by so the case is closed. I need to talk to a human being with a brain, or else take it to court with PayPal, but I'd much prefer to speak to a human being. 

I can no longer use my credit card because of this and I'm incurring penalties and interest on the full amount. I thought it would be settled in a few days, but since it has been going on for almost four months it has turned into a personal financial crisis.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Mortgage

Repeated request for documentation that has been provided during a lengthy loss mitigation review with my lender, Ditech. Previous concerns as they had failed to acknowledge of my denial under " Keeping your home California '' program in the month of  XXXX ,  XXXX . Since  XXXX  of  XXXX , I have applied under a new review with Ditech and my file was closed out in  XXXX  due to " request for cancellation '' This is false, as I have never requested such thing to jeopardize my foreclosure. I am now again, in an active review, but am being asked for documentation again that I have provided via mail as I want to ensure this problem is resolved. No matter what I do, I feel as if I am being rejected from my cry out for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, letters were sent to Equifax, XXXX, and XXXX alerting them that I have once again been the victim of identity theft and 5 items were not mine and should be removed at once. Included with the letter was a copy of my DL, XXXX XXXX report along with rules that they must follow. 7 days later, XXXX  quickly removed the accounts. XXXX  alerted me that they received notice for fraud and placed an extended alert on file with an incorrect evening contact number. Equifax decided to trigger a regular investigation. Due to the laws in place, XXXX and Equifax are to remove the items identified as fraud. This has not happened.
Product: Credit reporting or other personal consumer reports

XXXX XXXX whom is my younger sibling name should not be reflecting on my credit report. He has his own social security number I have never authorized him to use my name or anything. I would like to have his information removed. I already tried to dispute this I was told by Experian that his name didnt matter but I beg to differ since it has a negative impact on my score and report!
Product: Mortgage

My name is XXXX XXXX and approved for a VA home loan I begin looking for a new home in XXXXXXXX XXXX to relocate for my job. I found a home on XXXX XXXX XXXX XXXX XXXX XXXX and the seller is XXXX XXXX out of XXXX GA. The Lender is Cardinal Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the mortgage XXXX is XXXX XXXX. ( the owner of XXXX XXXX  ) When I began working XXXX back in XX/XX/XXXX he told me that my interest would be 6 % and I wouldnt need any money down and I wouldnt need any money for my closing as a first time home buyer. 

This was all a lie. XXXX has changed my interest rate and closing cost about XXXX or XXXX times and he hasnt been truthful about everything. When I learned of XXXX behavior immediately contacted my realtor and the closing attorney office to advise them of his behavior and asked if it was ok to work with another lender that was more transparent. Both advised that the seller would need to agree to it. Well the seller said No they would not allow me to switch lenders that I would have to use their lender or I would have to remain with XXXX. The XXXX XXXX XXXX XXXX advised after sending him all documents for the current lender that I was being charged over {$2700.00} for point on the loan which he could for free. After advising this to my realtor XXXX XXXX she relayed this information and it was met with resistance again by the seller. Also XXXX hours before closing the mortgage XXXX XXXX stated that the underwriter needed me to write an essay stating how my degree would help my employment. Today is XX/XX/XXXX and it is my closing date. The lender has not cleared or approved my loan. I paid XXXX in additional closing costs fee plus the {$5000.00} XXXX money that I was advised that I would not receive back if I did not close on the house.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Reported : XXXX. XXXX, XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mo ) Account status Closed and No Infromation Account Balance {$590.00} XXXX Reported : XXXX. XXXX, XXXX Opened XXXX XXXX, XXXX ( XXXX mos ) Account status Open Account previously in dispute - Now resolved by data furnisher Original Creditor Name XXXX XXXX Account Balance {$2800.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Original Creditor Name XXXX XXXX Closed and No Information Account Balance {$160.00} I ask them to reinvestigate my accounts I got my investigation back and I noticed they didn't update it or modify my information. 
From Experian, XXXX, XXXX. Violation of Credit law 15 U.S. Code 1681i ( 5 ).
Product: Vehicle loan or lease

Exeter finance is still reporting that I owe {$7100.00} for the XXXX XXXX XXXX. XXXX XXXX I was awarded about {$14000.00} and the XXXX county judge XXXX XXXX XXXX located in XXXX. Michigan extinguished the financial contract between Exeter finance and I. I have a green title and the lien holders name ( Exeter finance ) was removed. I have been calling Exeter finance, XXXX, XXXX, and XXXX  to correct this matter and nothing has been corrected. This is still reporting negatively on my credit. The companies involved are Exeter finance ; which is the finance company that I sued in XXXX of XXXX. I should have a XXXX   balance because I own the vehicle. XXXX quality cars located in XXXX Michigan is the place I also sued and that is where I purchased the vehicle. My last payment was XX/XX/XXXX I won the settlement XX/XX/XXXX. This is being reported as charged off/collection, and unpaid balance reported as loss by the credit grantor. My lawyer said this should Be erased off my credit report as if I never even purchased the vehicle.
Product: Student loan

I have contacted Navient Several times about posting my payment and then charging me again in the same month. They say they " Fix it '', and then the charge shows up again. I also keep getting emails about my account being defered. I did not request this, and they just tell me to ignore the emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONCE AGAIN EXPERIAN IS THE ONLY BUREAUS INACCURATELY REPORTING 4 RETAIL CREDIT CARDS, NOT INSTATLMENT LOAN TYPE AND THESE 4 ARE OPEN AND NOT IN BK.SEE ATTACHED.XXXX XXXX/XXXX NO.XXXX-XXXX XXXX XXXX, AND XXXX, XXXX XXXX.
Product: Checking or savings account

Capital One is having an issue with direct deposits. I had not received my deposit since Wednesday XX/XX/XXXX until today XX/XX/XXXX and my bills are due and the money isnt there which has caused me to incur late fees and possible NFT fees due to automatic payments.
Product: Credit card

Avant customer service contact me at the end of XX/XX/2024 and told me that there were some fraudulent attempts to use my card in XXXX. She said that they closed the card and would be sending me another one. At the time she ordered me a new card I updated my address with Avant. On XX/XX/XXXX I had not received a new card from Avant yet so I sent them an email to their customer service email address with the account reference number following up on the card status. I didn't hear anything. When I logged back in on the XXXX of XXXX I noticed that they had sent a payment to my account for the full amount of the balance which I had not authorized. They had also set up automatic payments for the full amount moving forward. Something I had never done and not authorized. Today when I logged in to follow up on the missing card. I was told that I owed a {$7.00} balance and my upcoming bill. I made a {$40.00} payment which was anything outstanding and the minimum payment due by XX/XX/XXXX the statement day. It took 30 mins for the customer service to update my address. Then she refused to send me a new card because she said that they needed a bill or a document with my new address on it. I refused to do this. # 1 because I updated my address with the person who claimed there was fraud on my card in XXXX. XXXX. I followed up with an email from my email address that they have on file and the account reference number the account produces inside the account on XX/XX/XXXX inquiring about my card and I included my new address a second time. It's already bizarre that customer can't update their addresses through the web portal. It's more frustrating that I followed their instructions both calling in XXXX and updating my address once they got the fraud alert and emailing them on XX/XX/2024 with no response. It's been almost 2 months and I don't have a new card and I have mail forwarding. I haven't received anything from them and I just moved 1 street over.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of a negative item on my credit report. Upon reviewing my credit report, I was shocked to find this account listed as negative. However, after conducting thorough research, I discovered that this same account is not being reported as negative by other credit bureaus, such as XXXX and XXXX.
Product: Mortgage

I have never been late on a mortgage payment as long as i have owned a home. Roundpoint Mortgage failed to draft my payment XX/XX/XXXX and then again in XX/XX/XXXX wwhich is adversely affecting my credit. I have spoke to numerous supervisors many times who have said they would correct their mistake and remove the two derogatory items on all three credit bureaus. Now my account has been purchased to another company and Roundpoint Mortgage is refusing to help in the matter after two years of trying to fix and resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to rent an apartment and this required myself, my husband and my daughter to complete Trans Unions Rent Spree product. When I completed the information for the report our agent, XXXX XXXX, called very upset why we did not disclose that we had an eviction on our record. I too was surprised and upset. I explained it must have just been a mistake by the Credit Reporting Company, Trans Union. In XXXX we contracted with a builder/landlord to buildout a building to be used as a XXXX XXXX XXXX Boarding and Grooming facility. When the lease was presented to us on XX/XX/XXXX, the landlord added a paragraph 26. We all agreed and signed the lease that paragraph 26 holding myself and my husband XXXX responsible personally for the lease did not apply and was clearly not included in the agreement. Our business was a success for almost 15 years until Covid-19 hit and our revenue fell by over 90 % in just a few days. Although we did receive a XXXX which was paid to all our employees the landlord would not lower the rent. We at the same time retained a lawyer, XXXX XXXX who was paid to handle any problems with us selling or exiting the business. The landlord decided to file an eviction notice in XXXX of XXXX of which I sent a copy to XXXX XXXX and his staff informed me not to worry they would handle it. Unfortunately, not only did XXXX XXXX not handle anything he was a no-show at the hearing and consequently the landlord received a default judgment. Because our attorney did not show up the court was never given a copy of the signed lease. The landlord actually stated there was no lease! Any individual who has ever taken a basic business law class can tell you a XXXX XXXX contract must be in writing and at no time were we ever asked to pay any amount to the landlord for an eviction! We now can not rent a decent property for myself, my husband, my handicapped daughter and our two dogs. If Trans Union had just taken a moment to review all the facts we presented it would have been clear. They did not even take one day to respond and gave not weight to the letter provided by our current attorney, XXXX XXXX, XXXX and the copy of the lease which is black and white! Can you please help us to clear this very clearly incorrect information in the report so we can just find an apartment we can live in our retirement. Thank you very much for your help in this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

The dates are not accurate as well as the services were supposed to be paid by XXXX XXXX as at the time of said services I was in a homeless shelter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this because, the XXXX credit reporting agencies did not respond to my dispute letter sent on XX/XX/2022. They are reporting misleading, inaccuracies on my report. This is keeping me from obtaining credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is in reference to the Consumer Report sent by your Company via mail dated XX/XX/22 While checking the above report, it came to my notice that your Company has furnished an account on my report. 


In pursuant to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other mediums. 

Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. 
This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 
Thank you for your cooperation Sincerely XXXX  : XXXX ALL RIGHTS RESERVED WITHOUT PREJUDICE
Product: Mortgage

We have been charged 27 times for phone payments 21 Times@XXXX and 6 times@XXXX fromXX/XX/XXXX thru XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY DRIVERS LICENSE AND AN FTC COMPLAINT IS ATTACHED TO THIS COMPLAINT FOR YOUR REVIEW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB filings against Navy Federal for similar practices where transactions settled with insufficient balances, despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

I am a XXXX person w/ no transportation available. Three weeks ago I tried accessing my TD Bank account on line, and the security question was " What high school I had attended and I gave the lady processing my new account the answer, however i do n't know if she typed it with caps or without and two words or one word, the result is that after having tried three times the account was locked. I called the Toll free number on the screen XXXX. After reviewing the account the agent told me that because the account was totally freeze I had to go to a branch to get it unlocked. On XX/XX/XXXX I was able to get a ride and went to the branch located at XXXX XXXX XXXX XXXX , XXXX, FL XXXX. The lady was very nice, I gave her my ID, SS and account number, ad to my surprised, She told me she had to call to get the account unlocked, EXACTLY THE SAME THING THAT I HAD DONE THREE WEEKS EARLIER. They kept us waiting for half an hour and I suggested that since she had already verified my identity, that she handle the rest of the unlocking of the account, I was told she could not do that and I informed her that I could not wait there forever since my ride was waiting outside. Today XXXX XXXX aT XXXX I called the toll free number and asked to speak to a supervisor, I was kept waiting for over 15 minutes and XXXX ID no XXXX and to my surprised, she gave me the same answer, that there was nothing she could do over the phone and that I had to go the branch. HERE IS WHAT NEED YOUR AGENCY TO ADDRESS : 1 ) SINCE I AM A XX/XX/XXXX PERSON ( XXXX YRS OLD ) UNDER THE AMERICANS WITH DISABILITY ACT, TD BANK IS IN VIOLATION OF MY RIGHTS 2 ) THE BANK HAS FAILED TO ADDRESS THIS PROBLEM AND AS A RESULT I STILL HAVE NO ACCESS TO MY ACCOUNT, STATEMENTS AND TRANSACTION LEDGERS. 3 ) THE BANK NEEDS TO PUT IN PLACE A SYSTEM IN PLACE THAT ADDRESSES THE NEED OF XXXX PEOPLE. 4 ) INSTRUCT TD BANK OF THE VIOLATION AND TO ADDRESS THIS PROBLEM WITHOUT MORE DELAY, EVEN IF ONE OF THEIR EMPLOYEES AT THE BRANCH HAS TO COME TO MY HOUSE TO DRIVE ME TO THE BANK. I HOPE THAT YOU ADDRESS THIS VIOLATION AS SOON AS POSSIBLE AND MAKE THE TD BANK ACCOUNTABLE FOR THEIR ACTIONS