23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information : Also Known As : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Former : XXXX XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XXXX XX/XX/XXXX {$1700.00} Late Payment : XXXX XXXXXXXX XXXX XX/XX/XXXX {$510.00}
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETED the account, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address to fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss ( probably {$500.00} ), and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

I satisfied the total payment of this loan on XXXX after being assured by Fifth Third bank that my title would be sent to me, via postal mail, upon payment of the loan.

I was told the title would be sent to me within 10 business days of payment ( note that I paid this loan off 3 years ahead of time. It was a five year loan that was satisfied in two years. Well ahead of schedule ). On Monday, XXXX, I called Fifth Third bank to request a status update and I was assured that the bank contacted the XXXX and provided the loan release document. The CSR I spoke with indicated that the XXXX is sending my title and that no further action was required. 

On Monday, XXXX, I called again to request an update and was informed that only the lien release would be sent to me and that Id have to visit the XXXX  XXXX to obtain the title. This is not consistent and is an undue burden as I have moved out of state to a new location. The CSR I spoke with on Monday, XXXX was named XXXX ( last name unclear ). 

I currently live in XXXXXXXX XXXX and explained this to the CSR and the CSR stated that he would again request the loan release document be sent to me but could not help with any details regarding title. 

Bottom line : Ive been given inaccurate information across a multitude of CSRs since paying my auto loan and I have nothing to show for it ( no title, no lien release document ). Im attempting to register this car in XXXX XXXX and now I may be forced to return to XXXX  to obtain title. This will require transportation costs, time, and time away from work ( and expenditure of my limited vacation time ). The burden is huge. Had I known this ( eg. Had Fifth Third appropriately explained the process prior to pay-off instead of providing false information ), I wouldnt have paid the loan until the title transfer process was complete. Now, with no longer having that option available, Im stuck with no title and no lien release document and possibly having to travel a significant distance to obtain my title ( for a vehicle that I rightfully own and paid for ). Further, having reviewed similar complaints, it sounds like Fifth-Third bank routinely provides false information to consumers and causes an undue burden and confusion to their customers. Its unacceptable.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking need to upload my trafficking documents
Product: Mortgage

My loan was sold to LoanCare and my first payment was due XXXX/XXXX/16. I sent it off via my electronic bill pay on XXXX/XXXX/16 and went out of town for 3 weeks. Upon return in late XXXX, they called and said they had not received it. That day I sent an email with proof of payment from my bank account, and they said they would research and contact me in 48 hours - they did n't. I called them ~1 week later, they were researching and confirmed it would n't be on my credit and they would waive fees. I called ~1.5 weeks later, after some back & forth ( they misapplied XXXX pmt as XXXX pmt ) I resent more information via email - was told they 'd get back to me in 48 hrs, they did n't. I was told again, it would n't be on my credit. On XXXX I received an electronic credit to my bank acct for the XXXX payment, so I sent it off again immediately ( they now have XXXX pmts in XXXX ) The reported me as a late payment in XXXX on my credit causing me to have issues closing my current loan. I 've now called them almost on the hour for the last 24 hours, and have been disconnected while on hold 5 times ( I 'm not making that up ) and spent hours trying to resolve. They say they will call me back and they never do. They are telling me it will be 1 week to research - I 've given them ample time since I 've followed up with them since XXXX and they have all of my bank statements at this point. I just need a letter stating they will delete it. I feel like a victim - they made an error that will cost me, they wo n't call me back, they 're going to take time to research, and they disconnect the lines when I call them. I 'm so emotionally traumatized that I ca n't express how upset I am in this email. I need a deletion letter " yesterday '' in order to proceed with my loan - otherwise I lose my earnest money, interest rate and the home I made the offer on, and all because of an error by LoanCare. I 'd work with them and just take a letter at this point, but they wo n't even do that. They should be investigated, and not allowed to service loans if they are not going to answer customer questions about our accounts, and are incorrectly managing their accounts.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX and XXXX XX/XX/XXXX two payments to XXXX was made In the amounts of XXXX & XXXX a dispute was put on the account on XX/XX/XXXX after a misunderstanding with Credit Karma Customer Service Agent . It was also understood that it was to be removed .However the dispute wasn't removed from account as stated and it went through. Funds were sent back from XXXX to Credit Karma. XXXX notified me XX/XX/XXXX that funds was sent back to Credit Karma. I called Credit Karma and informed them due to dispute funds was sent back to them from XXXXI was told funds should be back in my account in 5-10 buisiness days from when XXXX first informed me funds was sent back.i contacted Credit Karma again I was informed that dispute was canceled and a provisional credit could not be given since dispute was canceled after that response I called them and was told by a supervisor to provide proof that funds was sent back to Credit Karma before a credit could be issue I provided proof through link sent to email for both payments that was rejected. I was than told a credit should be in my account within 72 hours if approve my case was being escalated to a specialized department if I have any further questions I could contact them through email. I didn't hear anything back from them. I called several times over a course of days I was asked to provide diffrents things something called a trace id number from XXXX in which I was able to obtain both trace id numbers and provide them sent over my ID and several escalations later still nothing. Last conversation was raised emotions I taped it he basically told me it could 60-90 days and I need to stop calling and emailing cause I'm pushing the time frame out more. Now as of XX/XX/XXXX I'm sitting in the dark with my kids and still out {$970.00}. I provided all the proof talked to all the managers sent multiple emails chats and nothing.
Product: Debt collection

I was wrongly placed under a collection account that I have already paid off approximately XX/XX/2020 and was removed from my credit history. The original charge was under XXXX  XXXX retailer for a charge of approximately {$60.00}. A few weeks later I continued receiving collection emails for a charge I paid off then somehow grew to {$320.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 



1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a refinance with a XXXX XXXX XXXX  XXXX XXXX  through a loan officer, XXXX XXXX. After waiting for a decision on an approval, a few months afterwards, I noticed that my current home lender ( XXXX XXXX  ) had done a hard pull on my credit through Factual Data on XX/XX/2019, that I did not authorize. I mentioned this to XXXX since he was working on the refinance with a different bank. XXXX informed me that he had switched companies and pulled my credit with the new company. 

I did not authorize XXXX or XXXX XXXX to pull another credit report and process a refinance with that company. If I had known of the switch to a new company, I would not had authorized such a pull. To date, I have not signed any document authorizing XXXX to pull my credit or process any application for credit. 

I contacted XXXX and XXXX regarding the unauthorized pull and both directed me to contest it with the credit bureaus and it would be corrected. I contested the hard pulls with XXXX  and XXXX. I received a copy of an unsigned loan application from XXXX Consumer Assistance along with a notice regarding Identity theft. The unsigned loan application was apparently generated after my credit was pulled without my permission and has no bearing on whether I authorized a credit inquiry. To date, the inquiries have not been removed from the credit reports. 

This hard credit pull has impacted my credit score negatively and has limited my refinance option with other lenders.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

accounts reported inaccurate : XXXX XXXX XXXX XXXX  account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened : XX/XX/year>
Product: Student loan

I attempted to pay off my loan on XXXX/XXXX/2016. I received an email XXXX/XXXX/2016 that the bank was unable to find the account and my payment had not been processed. I called American Education Services to resolve the issue on XXXX/XXXX/2016. I was told although i had been paying for my loan for years with XXXX account, they had tried to charge an old bank account and that was why it did not process. After being on hold for thirty five minutes, I was told there was nothing they could do I would just have to wait for their system to clear the incorrect payment. I was told this could take a couple of days which at this point would add ten days of interest. The representative said it was " only a dollar or so and it was not that big of a deal. '' I think it is wrong that I paid the loan off on XXXX/XXXX/16 and can still be charged over a week of interest for a systematic error on their behalf. Putting the bank error aside, I tried to pay the loan off today over the phone and AES would not take my payment. I do not understand how i could be charged additional interest following today 's date because I tried to make the payment today and they would n't take it. Yes it may only be another XXXX cents, but this is completely unethical. I refuse to believe it is lawful for them to refuse a payment and then charge me interest until they feel like taking my payment? Please help me.
Product: Debt collection

I was injured in a fall at home on XXXX/XXXX/2015. I went to XXXX XXXX Hospital in XXXX XXXX XXXX and was treated in the XXXX. About a week later my wife and I traveled to XXXX where we spend XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Apparently during this time period XXXX XXXX XXXX XXXX sent a bill to our home address asking us to pay {$57.00}. We never received this bill/statement eve though our mail was forwarded to our XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX/XXXX/2015 we received a phone call from TRANSWORLD SYSTEMS INC. advising that they were a debt collection agency and we needed to pay this bill. They were given valid credit card information to pay the entire {$57.00} and we were provided authorization number XXXX from TRANSWORLD SYSTEMS INC and promised a letter to follow saying the matter had been handled. On XXXX/XXXX/2015 AT XXXX we received a call from a male voice saying he was with TRANSWORLD and that this bill for {$57.00} needed to be paid as they were a collection agency. When I asked the caller for more information, he became upset and said he 'd mail us the demand and then he hung up. I called back to TRANSWORLD three times immediately. Each time after identifying myself and providing the account number we had been provided I was abruptly disconnected by the TRANSWORLD employee. On the fourth call to TRANSWORLD a female identifying herself as XXXX XXXX listened to the information we had, i.e. the bill had been paid by credit card 11 days previous, we had not received the confirmation letter via mail, and I provided the authorization number received from TRANSWORLD. XXXX XXXX said that their system did not show any payment or credit card information. XXXX did check with her supervisor, XXXX XXXX and eventually came back on the line to say that TRANSWORLD has been having computer problems, and " employee problems '' and requested that we pay the bill again. Again our credit card information was provided and again we were given a second conformation number from TRANSWORLD. I requested that TRANSWORLD send a letter to each credit reporting bureau explaining TRANSWORLD 's error and was advised that a letter would not be necessary as our credit ratings had not been damaged.
Product: Credit reporting or other personal consumer reports

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX  and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Student loan

Edfinancial has made misleading statements about its autopay program and the accompanying 0.25 % interest rate reduction. As recently as XX/XX/XXXX, Edfinancial claims that " While your account is in active repayment and enrolled in Auto Pay, you will receive an interest rate reduction of 0.25 % '' from XXXX XXXX  XXXX XXXX XXXXedfinancial.com/autopay. However, there is no sign of a functional autopay system, much less a 0.25 % interest rate reduction for enrolling in the program. 

I have been trying to set up my autopay since XX/XX/XXXX. After another autopay request on XX/XX/XXXX via my bank account ending in XXXX was not successful, I contacted an agent on XX/XX/XXXX, where the agent told me to wait. After waiting for another month, I contacted an agent again on XX/XX/XXXX. This time, the agent told me the issue was with my bank not authorizing the autopay, and to try again if the bank had no record of it. I contacted my bank, and they said they did not receive anything. Following the agent 's instructions, I submitted another autopay request on XX/XX/XXXX, this time with a different bank, the account number ending in XXXX. As expected, the request still has not been successful. As a result, I contacted an agent yet again on XX/XX/XXXX. The response was wait another 1-2 billing cycles. However, there is very strong reason to believe that this does not constitute an attempt to resolve my issue, given that there are numerous reports of this happening online, and autopay still not working after 2 billing cycles. See XXXX XXXX XXXX and XXXX XXXX XXXX for examples of people being told to wait 2 billing cycles and autopay still not succeeding. 

I have emailed Edfinancial with this information, but they said my issue was resolved in my most recent conversation with them, even though I clearly stated that the most recent conversation did nothing to resolve the autopay issues. See the attached files for the emails in question.
Product: Vehicle loan or lease

In XX/XX/XXXX We bought a used XXXX pickup from XXXX XXXX, XXXX, Tx. They have been out of business for a long while. It was financed through XXXX XXXX XXXX, Ky. They are now merged into Chase Bank. The loan was paid on time but all that we have is a non negotiable title. Somehow 21 yrs. ago a clear title was not issued. We licensed, insured and used the vehicle for all this time. It was 2 weeks ago, when we wanted to sell it to a junkyard that we discovered we couldn't get a clear title because the lien was still on the title at Texas DMV. The title number is XXXX. Chase Bank refuses to discuss the matter. They have provided no avenue to resolve this. We are not customers of the bank. The truck is a XXXX XXXX pickup. The vin number is : XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of certain information contained in my credit report as provided by your agency. This letter serves as my tenth formal dispute under the provisions of the fair credit reporting act ( 15 U.S.C. & 1681 ). I believe these inaccuracies XXXX be linked to the Equifax data breach, which compromised my personal information. I have enclosed copies of ( supporting documents such as a statement, A FTC report, and verification of my identity that substantiate my claim. Please investigate this matter thoroughly. Correct the disputed information, and provide me with a revised copy of my credit report. Under the FCRA, you are required to investigate my dispute within 30 days or receipt of this letter, Notify the furnisher of the disputed information promptly and provided me with the results of your investigation and corrected credit report if changes are made. If the investigation does not resolve my dispute, I request that you include a statement of my dispute in my credit file and in future reports provided to others. Thank you for your prompt attention to this matter.