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

XXXX - Cosigner for daughter 's Private Student Loans During the summer of XXXX, my daughter requested and was approved for an XXXX - modified payment arrangements on her student loans cosigned by myself and her father. 

Although approved in writing, the monthly payment amounts were not reflecting the agreed-upon amounts. We were concerned as we understand the impact of late Student loan payments. 

After many calls to XXXX and many promises to fix the problem, it was finally discovered by a Supervisor they had made an error. My daughter was never eligible for an XXXX to begin with, which was the root cause of the agreed-upon payment amounts not being reflected on our statements. 

By the time the error had been discovered, 26 of her student loans were reported to the credit reporting agencies and impacted both her credit score and mine for months XXXX, XXXX, and XX/XX/XXXX. 

The loans were all brought to current and it was recommended by an XXXX Supervisor to send a credit dispute form to request the 26 late payments be removed from our credit report. 

This was done XX/XX/XXXX, and a response was received stating in part " ... Based on this review we sent corrected information to the consumer reporting agencies to which the information was previously reported for the loans listed .... ''. 

We thought great, they have done a good job correcting an error they had made. It was not until I pulled my annual free credit report in XX/XX/XXXX, did I discover what they really did. Instead of removing the late payments as we thought, they only put a comment on each of the late payments of " Consumer disputes after resolution '' on our credit reports. This fixed nothing at all so, I sent yet another letter in XXXX XXXX.Their response was they are not going to do anything further with the issue. 

AESs errors have severely impacted our credit ratings negatively and they are not willing to remove our late payments for XXXX, XXXX, XX/XX/XXXX for the 26 student loans. 

Please, anything your organization can do to help would be appreciated.
Product: Credit reporting or other personal consumer reports

Multiple accounts on my credit report contain inaccurate or inconsistent information, violating the Fair Credit Reporting Act ( FCRA ). 
These inaccuracies have harmed my credit profile. I request immediate deletion of these accounts and resolution within 30 days. All supporting documents are attached for review.
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 have violated my rights. 
XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX have violated my rights. 
XXXX XXXX XXXX have violated my rights. 
XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXXXXXX XXXX XXXX have violated my rights. 
XXXX XXXX XXXX XXXX XXXX have violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXX  have violated my rights. 
XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXX XXXX XXXX have violated my rights. 
XXXX XXXX XXXXXXXX have violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 
XXXX XXXX XXXXXXXX have violated my rights. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX have violated my rights. 
XXXX XXXX have 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: Debt collection

LVNV FUNDING LLC {$4300.00} Fraudulent charge the account is not and has never been an account of mine.
Product: Checking or savings account

Hello there, Im having a problem with Arvest bank that they charged me unauthorized overdraft fees for transactions that made from my account and been covered. Arvest Bank claimed that even the pending transactions that already covered by available money in my account can be overdraft charged because the last transaction I made, made my account negative. So any previous transaction can be charged overdraft fee even the money was taken from my account and my account was positive ( covered ) all the purchases just because they were pending regardless of all that. I called the bank many times and I talked with many persons like XXXX, XXXX, and XXXX who did not help me at all and did not allow me to dispute these fees or open any fraudulent case. XXXX claimed that the bank doesnt have fraudulent department, and I was shocked because what I knew most if not all the banks in U.S. are under FDIC. But I understand of them they dont want to help even after I made everything clear that its the bank mistake and doesnt make any sense to be charged for transactions that I already paid money for them and my account was in good standing ( positive ). So Im seeking help from you.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have gone over to the bureaus to send my FTC reports, BUT TransUnion won't even help me. I sent out my letter XX/XX/XXXX and they received it, XX/XX/XXXX and up to this date ( XX/XX/XXXX ), the fraudulent hard inquiry is still showing on my credit report with them. I need that hard inquiry removed asap and I've been on the phone with them several times. Their agents would tell me different resolutions every single time and never actually resolved the problem. I sent out my IDs to them but they never listened. 

I also called the company but they also didn't take action on this matter. 


Here is the fraud inquiry : XXXX XXXX XXXX XXXX XX/XX/XXXX I am attaching to this request the same FTC report that I sent to TransUnion along with my IDs and proof of address.
Product: Money transfer, virtual currency, or money service

2 MONTH AGO I OPEN THE COMPLAINT TO PAYPAL AND THEY SAID THAT MY MONEY WILL BE ABLE FOR WITHDRAW IN XX/XX/XXXX. 

PAYPAL IS IRRESPONSIBLE, BECOUSE I TRY TO CANTACT MANY TIME AND I NEVER RECEIVED ANY EMAIL ABOUT I WILL ABLE TO WITHDRAW MY MONEY. 

i m attach the old letter. 
see what they said, i m really tire with situation, they never do wht is suppose they should. 

i just want my money now paypal XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear CFPB I have had a PayPal account first for business, and now in my personal capacity, for many years. PayPal has placed a hold on my account for 6 months in violation of the Consumer Financial Protection Act : specifically, the prohibition against deception or unfair practices. PayPal has placed a 180 day hold on my account in violation of the Long Form Agreement which says that risk based hold normally would not exceed 21 days. This is a deceptive representation giving because by their action, they garnished money not for a risk but for some other purpose such as wanting use of my money and not paying interest. 

From between the XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, I transferred {$29000.00} into my PayPal account from my XXXX XXXX account. The size of my average transfer was around {$1000.00}. 
Once only, I mistakenly transferred money from a XXXX XXXX account that I had closed and had not updated on my PayPal transfer information to reflect this change. PayPal informed me of the error and the next day I covered that amount ( {$1000.00} only ) by bringing in additional funds. 

I admit that the initial transfer was a bit mistake on my part and one I immediately corrected with no consequence to PayPal. However, PayPal placed a 180 day hold on my account. The only notice I received is something vague informing me of the hold, but it did not even give me a phone number to call for clarification. My girlfriend and I need these funds for living expenses I have attached the letter from PayPal notifying me of the hold
Product: Mortgage

In Fall XXXX I received statement from county of the new value of my house, which shows equity is now above 20 %. I notified my mortgage lender, Mr. Cooper, to begin the process to remove PMI. I continued to ask for them to initiate the process to remove PMI. After five months they finally contacted me and advised within 10 days I would be contacted by an assessor as the next step in the process. Since the mortgage lender has been unresponsive to my earlier requests I expected this 10 days to lapse without any action, so now I'm trying other means to motivate them to remove the PMI, plus now I would like XXXX past months PMI reimbursed to me. 
XX/XX/XXXX - Requested the elimination of my PMI. 
answer : your request has been forwarded to department. Then nothing. 
XX/XX/XXXX - Reminded Mr. Cooper I am awaiting removal of PMI XX/XX/XXXX - Reminded Mr. Cooper I am awaiting removal of PMI XX/XX/XXXX - Reminded Mr. Cooper I am awaiting removal of PMI XX/XX/XXXX - Reminded Mr. Cooper XXXX am awaiting removal of PMI. This prompted Mr Cooper to call me finally. They initiated the process for an assessor to get a value of the house. Assessor was supposed to contact me within 10 days. 
XX/XX/XXXX - Assessor has not contacted me. Initiating complaint to CFPB. Also informing Mr. Cooper of this complaint.
Product: Vehicle loan or lease

On XX/XX/24 United Auto Credit illegally repossessed my car at midnight. At no time was I made aware as a consumer that I was in default nor did I have reason to believe I was in default. I received a deferment in XXXX for a total of 3 months, this deferment moved those 3 payments to the back of my loan. The reason for this was the numerous mechanical defects present on vehicle at time of delivery by its parent company Vroom automotive. On XX/XX/24 United Auto Credit printed a statement with an inflated balance of {$2600.00} which when I called they were unable to explain. Nowhere on this statement does it inform me as a consumer that I am in default of any agreement, furthermore United Auto Credit claims they have to only send one notice of right to cure for the life of the loan so in essence giving them right to seize property at any time in the future just because they want to which is yet again illegal and you must send a right to cure each time a consumer goes into potential default after the previous instance of default had been cleared. United Auto Credit has violated several NC state statues designed to prevent predatory practices like this. I have complained at lengths about its parent company Vroom that knowingly sold me an unsafe vehicle and now its subsidiaries is going about the same shady practices. I feel as a consumer that I am now being targeted for my complaints against Vroom.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any inquiries listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of inquiries which do not belong to me or were opened without my permission. 

XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX COLLECTION : XXXX SELF-REPORTED Balance {$100.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TRANSUNION INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXI XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies XXXX have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Debt collection

I called to request information on where I gave orthopedic to release my personal information, and I asked to show me where I approved of my personal information getting sent to a third party and they refused my request and are not in compliance with law 15 USC 6802, so I am writing to formally notify you of concerns regarding the potential non-compliance of [ XXXX XXXX XXXX ] with 15 USC 6802, part of the Gramm-Leach-Bliley Act ( GLBA ). As per the provisions of the GLBA, businesses are required to ensure the confidentiality and security of nonpublic personal information ( NPI ) and adhere to specific privacy practices and disclosures. 

The act mandates that financial institutions implement privacy notices, disclose their information-sharing practices, and provide consumers with the opportunity to opt out of certain information-sharing practices. 

It appears that your company XXXX not be fully adhering to the following requirements as stipulated in 15 USC 6802 : Providing clear and conspicuous privacy notices to consumers. 
XXXX XXXX options where applicable to consumers regarding the sharing of nonpublic personal information. 
Ensuring security measures are in place to protect consumer information. 
I urge you to take immediate steps to ensure full compliance with 15 USC 6802 to protect consumer rights and avoid potential legal and regulatory penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING TO YOU BECAUSE THE ACCOUNT OF XXXX XXXX IS REPORTING INCORRECT OR NOT THE SAME INFORMATION ON EACH BUREAU. I DO NOT BELIEVE THAT THE AGENCIES ARE DOING WHAT THEY ARE SUPPOSED TO BE DOING WHEN IT COMES TO INVESTIAGTING THIS REPORT. I AM BRINGING THIS COMPLAINT TO YOU BECAUSE UNDER THE FCRA THIS ACCOUNTIS AN INCOMPLETE ACCOUNT. IF YOU NOTICE ALL BUREAUS ARE REPORTING DIFFERENT INFORAMTION. THIS CLEARLY SHOWS INACCURATE INFORATION AND THAT THE COMPOANY IS INACURATELY REPORTING FALSE INFORMATION. THIS COMPOANY ALSO IS A FRAUDULANT COMPMAY WHERE AS I HAD REQUESTED VALIDATION OF THIS ACCOUNT AND THEY COULD NOT PROVIDE ME WITH ANY OF WHICH I WAS REQUESTING. IF THE OTHER TWO ARE REPORTING CURRENT AND POSITIVE WHY THE XXXX IS THIS ACCOUNT REPORTING THIS WAY INTRANSUNION?! I WOULD LIKE FO RIT TO BE REMOVED FROM MY REPORT WHICH IS HOLDING ME BACK FROM MOVING FORWARD.
Product: Money transfer, virtual currency, or money service

I made a money transfer of XXXX dollars using Sendwave money transfer service on the XXXX of XX/XX/year>, the money never got delivered till this moment. 
I reported to them and I was told the case would be investigated, I was asked to send the recipients bank statement as a proof to show the money never arrived and I sent it, an agent of Sendwave told me that the case was being investigated, each time i contacted them concerning the case update, I was told that their local partner hasnt responded, I was then advised by one of their customer support representative that I should recall the transaction and it would take about 30 days for the money to be reversed into my account and since I was still the same recipient, I should have no worries that the money would be reversed. Several weeks passed, 30 days elapsed and my money wasnt delivered nor refunded. 
I had to dispute the transaction with my bank and the moment I did that, Sendwave dispute team suspended my account and I contacted them to know why, and I was told because I disputed a transaction with my bank and I told them my reason why and I was told that in order to get my account active again, I must cancel the dispute with my bank, its almost two months now, Sendwave has neither delivered my money nor make refunds, please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request by law the suppression or deletion of the following item : TD AUTO FINANCE Reasons : Negative date goes from XX/XX/XXXX to XX/XX/XXXX Balance increase every dispute Balance is stated different on the credit report than TD Auto Finance Statement The final payment [ contract end date ] being due XX/XX/XXXX. Interest should stop by law on the final contract date. 

Debts such as credit card debt, auto loans, and medical debt have a statute of limitations of four years in the state of Georgia. Which mean interest is not allow to be added after final contract date. 

Write-Off Meaning A write-off removes an asset or liability from a companys financial statements. Assets are written off when they become obsolete. Lost inventory, unpaid debt obligation, bad debts, and unpaid receivables are also written off.Which mean TD Auto Finance is Fraudulent writing off and reporting incorrect data to the credit bureau and the IRS on every dispute.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number- XXXX This is a charge off account with a balance. I just received a copy of my credit report. I was shock to see that you are reporting this account incorrectly .This collection account is reporting not only as CHARGE OFF, but also shows a past due balance of 60 dollars. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$780.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that does not belong to me and i want them to be remove from my credit report. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft SANTANDER Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX  This is not mine. 

4. Identity Theft XXXXXXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. 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/updated.

They are not in compliance with the following law. 15 USC 1666b 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!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reason
able procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!