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

I am filing a formal complaint regarding the violation of my rights under the Fair Credit Reporting Act and 15 USC 1681 by consumer reporting agencies, as I am a natural person with federally protected consumer rights to privacy and confidentiality. The following items on my credit report have been furnished without my permission : XXXX XXXX XXXX This violates my rights under 15 U.S.C 1681 section 602 A, which grants me the right to privacy. Furthermore, 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 U.S.C 1681c. ( a ) ( 5 ) Section States that no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Moreover, the consumer reporting agencies have violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ), as multiple billing errors have been found in my credit report. 15 U.S. Code 1666 ( b ) billing error states that a creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor on a statement or a computation error or similar error of an accounting nature of the creditor on a statement is a billing error. As I did not receive a statement from the creditor notifying me 21 days prior to the due date, there should be no late payments on these accounts. I demand to see hard, solid proof from the creditor 's bank account that I did not pay and was marked late because this is clearly a billing error. The following account should be updated as agreed on my consumer report. 

XXXXXXXX XXXX XXXXXXXX As a consumer, by law, these accounts on this letter must be updated immediately, or I will seek monetary compensation for the violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability. 

In addition, I would like to report fraudulent inquiries that were made on my credit report by companies that I did not authorize to access my credit. These inquiries are as follows : o XXXX XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit Bureaus/mortgage Processing I have contacted these companies, and they have no proof that I have authorized these inquiries or permissible purpose. Therefore, I request that these inquiries be removed immediately. 

I have already reported this matter to the Complaint Portal for the State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

USAA returned our payment and clearly stated that a loan modification was best. They communicated to us, during the multiple attempts we've made via email and phone to make a payment, that during the loan modification and after it was approved our credit will not be impacted as the loan will still show under normal status. 

Nevertheless, even though we are still under the loan modification, they reported our loan 90 days past due in XX/XX/2024. They are not telling us that unless we pay the remaining balance in full our account will still show that it was 90 days past due even if the loan modification is approved. 

I have been a customer of USAA over 17 years and I am so disappointed with the lack of professionalism and the lack of integrity they are displaying by not honoring everything the clearly communicated to us.
Product: Mortgage

We purchased a new home on Friday, XXXX XXXX and decided not to use the same financial institution to handle our new mortgage. Flagstar Bank held the mortgage on our existing home. The title company wired our payoff on XXXX XXXX. However, as the payment was received after XXXX I was informed our payment would not be applied to our loan until the next business day, Monday XXXX XXXX. This caused us to XXXX more days of interest accrual. 

Additionally, they would require you pay to receive you payoff amount. 

I believe both items are in violation of UDAAP.
Product: Credit reporting or other personal consumer reports

All XXXX XXXX XXXX XXXX Equifax, XXXX and XXXX ) are fraudulently reporting illegal in accuracies. Per the FCRA, 16 CFR 313.7, Privacy Act of XXXX, as federally protected consumer, I have opted out of any and all authorization, that I may have granted in written or unwritten, verbal or nonverbal for my accounts negatively and fraudulently continue to be reported. Per 15 U.S.C. 1681, U.S.C. 1681b & 1681e, 15 U.S.C. 6801-6802, and 15 U.S.C. 6803-6805. The attached IRS Forms XXXX which were sent by the companies ( see top of documents ) which should have been processed by the companies using the IRS Forms XXXX XXXX, Form XXXX, and Form XXXX. I would like to also mention the charge-offs are now considered certificates of indebtedness which means they are considered income and can not be reported as debts which they continue to be illegally reported as debts. 

It appears the CRA agencies are allowing the companies to continue to report for XXXX when in fact all accounts were resolved in XXXX. This is inaccurate, illegal reporting. 
REFERENCE 15 USC 1681-1681XXXX The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the XXXX. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The XXXX and Accurate Credit Transactions Act added many provisions to this XXXX primarily relating to record accuracy and identity theft. The XXXX XXXX  transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority
Product: Money transfer, virtual currency, or money service

Because the US laws changed I was required to transfer all of my cryptocurrency from Binance to Binance us. On XX/XX/2021 I transferred XXXX XXXX but accidentally forgot to add the memo so my coins went to Binance us but did not make it into my account. The same day I created a ticket with their customer support ( because there is no phone number or live chat to contact ) asking to return my coins. It took 51 days and a complaint to the California attorney general to even get a response to my ticket. I provided them with the requested information and then on XXXX XXXX I received an email stating my money would be returned ASAP. I followed up with the company 10 days later and on XX/XX/XXXX again received the exact same email stating my money would be returned ASAP. It has now been XXXX XXXX months and I still do not have my money. At todays price my XXXX is worth over {$2500.00}. This company is stringing its customers along and keeping their money. I feel like this is theft at this point. Please help.
Product: Checking or savings account

On around XX/XX/year> my Chase checking account was frozen and eventually closed with our notice. 

called chase and they stated my account has been closed because of fraud activity. They also said someone ( they told me the name of complainant and the transactions ) that has sent me money through XXXX made a fraud report about 5 transactions he had sent to me. 

I spoke with the person that allegedly filed the fraud against these transactions ( my husband did a construction job for him and those were the payments ) and he denied it. Chase was informed of this and they said they were doing an investigation. 

Chase stated that Upon the conclusion i would get my money through a check. Ive called numerous times for the past 7 months and no one has been able to help me. All the chase reps say different things. 

At one point me and the person that had alleged the fraud XXXX payments went into a chase bank office. The chase staff said there was no supervisor and that they could not help us. They gave us a number to call. Which we did. This was around XX/XX/year>. When we called the person that had sent me the XXXX transactions spoke to a rep on the phone and basically told them those 5 transactions were not fraudulent and he had sent them to me. They dirtier states I would receive my money in a check around XXXX. 



I have not received a check. I called Chase again and a rep replied that there was no notes on the case or a check Being sent for the money that was on my account upon it being closed. They replied there was a fraud activity. I told her this has already been taken care of and she said there were no notes on it and to call back on 3 days. 

This situation is out of control. Im unemployed and chase does not want to give me back my money even after this person has called and said those transactions were not fraud. We even went to the bank in person. But no one has helped. Its been 7 months. Chase does not care about its customers. No answers are given, they are rude. 

I dont know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a charge off from XXXX XXXX XXXX XXXX on my Credit report for 7 years at a larger balance than when it was originally written off for. XXXX XXXX XXXX XXXX kept increasing the amount. I have dispute the information starting in XXXX when it was at 7 years to have it removed yet the bureaus have not done anything. They said the information came back accurate. I disputed it on XX/XX/XXXX, XX/XX/XXXX as well but they keep saying it is valid without proving the methods and means at which they found it so. This item is hurting my credit and has been over the duration of time allowed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian might pretend to request authorization, close out this complaint as a duplicate or state they do not think it is from me the federally protected consumer and natural person. This is a delay tactic because I have used the last four of my SSN to verify myself with this complaint. Experian XXXX is currently engaged in several systematic and diligent violations of federal law under the Fair Credit Reporting Act, Truth in Lending Act and Fair Debt Collection Practices Act of Title 15 Chapter 41. Experian received and signed for my Affidavit of Truth on XX/XX/2021 at their dispute office and on XX/XX/2021 at their corporate headquarters. I have outlined each of Experians violations of federal laws in my Affidavit of Truth attached below and provided clear and conspicuous breakdowns and explanations of all necessary federal laws. Included in my first Affidavit of Truth below is my invoice and remedy demand list. To be clear every remedy demand on my list is not a request but a demand as is my right pursuant to federal law and as the federally protected consumer and natural person. I have not included any dispute or request but only demands as are my right pursuant to federal law. This is Experians first opportunity to resolve all their outstanding issues ( several blatant violations of federal law ) by providing all my demanded remedy pursuant to 15 USC 1692c ( c ) ( 2 ). My Affidavit of Truth attached here below is my first step in my private administrative process. I advise whoever at Experian who receives this CFPB complaint and Affidavit of Truth attachment to forward it to your executive leadership team and legal team. Individuals on these teams will understand what these documents mean and what needs to be done swiftly. Experians illegal actions ( violations ) have caused me extreme injury over at least the last 8 years. Any further deceptive fraudulent delays tactics to avoid resolving these issues will only worsen this case for Experian as I continue my private administrative process. I hereby am giving Experian the chance to resolve all these issues quickly to avoid further legal liability in the near future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two of the same duplicate accounts reporting on my credit for student loans. One is reporting under Nelnet while the other is reporting under US Dept of Education. Mind you I have never attended college in life nor applied for federal student loans.
Product: Credit reporting or other personal consumer reports

There are some unauthorized Inquiries and one fraudulent account on my TransUnion Credit File, which I am disputing and requesting that these fraudulent and unauthorized items are deleted from my credit report, based on the following letters from the various creditors which stated that they would delete these unauthorized inquiries and account from the credit report. Please remove immediately, Per 15 USC 1681b ( c ), HJR 192 of 1933, and 18 U.S.C. 1028A. Violation of these statues will result in litigation seeking {$1000.00} per occurrence. The one Fraudulent Account is : XXXX XXXX XXXX UNKNOWN- Date Opened : XX/XX/XXXX. The following inquiries are unauthorized : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX- Inquiry Date : XX/XX/XXXX.
Product: Debt collection

Please see attached identity theft report, I have continuously disputed this fraudulent account with all XXXX credit bureaus and they have ignored my verified claim without first hand knowledge to the facts. They are unlawfully and illegally reporting inaccurate information on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am needing to move out my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to an amount of things on my credit that are not mine. I need those items removed as soon as possible.
Product: Mortgage

I recieved an offer from Ocwen Loan servicing to reduce my mortgage payments by {$500.00} a month if I would particpate in a 3 month trial period. I did so and made payments of {$1100.00} on XX/XX/XXXX and again {$1100.00} on XX/XX/XXXX and a final payment of {$1100.00} on XX/XX/XXXX. At the end of the 3 months I was to receive paperwork that would restructure my agreement with Ocwen Loan servicing however, no agreement was received. I had been scammed out of {$3400.00}.
I called Ocwen Loan Servicing and related the problem to them and sent the information about the transaction at which time I was told there would be a fraud investigation. When I asked if I should be making my regular mortgage payments I was told to wait until the investigation was completed.
Product: Credit reporting or other personal consumer reports

XXXX of the problem is navigants web site to pay your bill. I submitted XXXX payment and the site still showed that I owed a payment. In XXXX I was confused thinking I made the payment ( because it doesnt show pending payment ) so I dont want to make a double payment ( nor enough money ). Unfortunately I did the something in XXXX and as soon as I was notified I was late I made payments ( did not receive notification in XXXX I was late ). I contacted navigants customer service and told them the issues with their non customer payment site is vague and confusing and doesnt provide details or notifications that a payment was made. I asked the if they could fix my credit markers due to this issue and they said they cant do anything about it. This one incident lowered my credit score by XXXX points and now I am unable to consolidate my debt do to the credit score impact.
Product: Debt collection

Today at XXXX, I received a phone call from an automated system with the number ( XXXX ) XXXX. It eventually connected me with a person who demanded I pay {$750.00} owed to XXXX XXXX XXXX. I know nothing of this debt. I have not received any bills and there are no claims via my XXXX XXXX website for this amount. I informed the man that I see nothing on my insurance portal and he told me it is my fault for not providing my insurance information and the debt has been owed for over a year. I informed him, if a debt is owed then bill my insurance and re-issue a bill because I have never received one for this company. He told me that he will not bill insurance since I received services over a year ago. I told him that I wont pay anything unless I know what it is and he then became more threatening saying that he will have to report this higher up that Im refusing to pay. I said fine and hung up. I think searched online for XXXX XXXX XXXX and found XXXX in XXXX XXXX close to my location. I attempted to call the number to get more details about the debt but the number is not in service. I believe this person was attempting to get me to pay money that I do not owe. Details for XXXX XXXX XXXX here> Address : XXXX XXXX XXXX # XXXX, XXXX, IN XXXX Phone : ( XXXX ) XXXX
Product: Checking or savings account

I have problem with citi bank since XX/XX/year>. 
I cant access my account after depositing the check. They restricted my account and told me that serious investigation going on due to the security reason. I dont understand what is the issue with the bank? 
I wont be able to make transfer since i opened the account and they replaced my debit card twice. I still cant access the account. I have {$900.00} in the account that i can not access it. I really need to use my assets and want to know the reason for closing my account. 
If you can please help me with this issue. I deeply regret to use their account as i have never this issue before. 

Thanks, XXXX XXXX
Product: Payday loan, title loan, or personal loan

Im very confused as to how my payments have been applied to my account, and the information being provided by Advance Financial is intentionally confusing and misleading. I will receive a statement in my email saying my minimum due is a small amount like XXXX dollars, but their website says its over {$1000.00}. I understand my loan is past due and have been making a regular payment every two weeks to pay down the balance, but its like those payments arent being reflected in the past due payments or the principle amount. My receipts never break down where the money is going to. Honestly I think Im just making a payment every two weeks until I die to only avoid my bank account getting levied without notice, which apparently is in the fine print. The company wont explain why my biweekly statement will say I owe {$15.00}, make a {$25.00} payment then be two more weeks past due. If its a line of credit and my interest rolls over, why doesnt my minimum payment recalculate like any other line of credit and just show Ive missed a month? Why am I still missing payments? Why are my payments not paying down my loan? Where are my loan documents? 
Ive tried calling the company to no resolution, but despite being located in Tennessee, Ill get 5-10 calls from out of state numbers a day spoofed by this company reminding me of my payment, which Ive made. The companys representatives are kind, but the information they are given is incorrect and the help they try to give is therefore useless. I was told last XXXX after losing my job that if I let my loan go even more past due, at 45 days every payment I would make would be matched by the company. That never happened. I stopped accruing interest at 90 days, but once my loan is caught up to 90 days past due itll be accruing once again, which I found out from a former employee, but never informed of by current workers. Ill ask to speak to managers, compliance managers or employees, and the legal department and will be flat out denied. My information will never be forwarded over. Honestly, it wasnt until I spoke to lawyer and informed them that they started working. I absolutely believe that underneath their polished exterior that this company is not complying to legal guidelines, and if this has happed to me, it must have happened to others.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, I am writing to file a formal complaint against PayPal regarding a concerning incident that not only affected me personally but also raises important issues of discrimination against the XXXX XXXX. 

On XX/XX/2023, my PayPal account was subject to actions that I believe were discriminatory because of my gender identity. Despite being a loyal and responsible PayPal user, I was informed that my account was suspended, and my funds were held for an extended period of XXXX  days under the pretext of " PayPal loss recovery. '' However, what deeply concerns me is the belief that my account was targeted solely due to my XXXX XXXX. This action, based on my gender identity, is a clear violation of my rights and goes against principles of equality and inclusivity. Discrimination against any individual or group based on their gender identity is not only morally wrong but also illegal in many jurisdictions. 

My account had a balance of XXXX XXXX 
Upon checking my account in XXXX I realized my balance on my PayPal account was reset to XXXX XXXX after a group of people made a complaint to Paypal because of my gender. 

As a member of the XXXX XXXX, I am deeply committed to promoting diversity, tolerance, and acceptance. This incident with PayPal has shaken my trust in the company 's commitment to these values and its responsibility to protect its users from discrimination. 

I kindly request a thorough investigation into this matter and a clear explanation of why my account was subjected to such actions. Additionally, I ask that PayPal takes steps to prevent such incidents from happening to other members of the XXXX XXXX  or any other marginalized group. 

I believe that addressing this issue is not only essential for me personally but also for the broader XXXX XXXX  and anyone who has faced or may face similar discrimination. PayPal should stand as an example of a company that upholds the principles of equality, inclusivity, and non-discrimination.

Thank you for your prompt attention to this matter. I look forward to a resolution that not only rectifies the situation but also contributes to a more inclusive and accepting environment for all.
Product: Money transfer, virtual currency, or money service

Had reported a dispute for unauthorized charges made on my debit card. I believe that there investigation wasn't done properly and they won't send me any details of why it was denied.