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

I paid of my credit card in full on XX/XX/2022. I paid {$2900.00}. The due date was XX/XX/2022. My balance was brought to {$0.00}. My credit report also indicated that my balance was at {$0.00}. On my XXXX statement Comenity stated that I still owed money which was not true. Comenity misquoted the amount I paid. Comenity used my XXXX 's ( the previous month 's ) payment as my XXXX 's payment which was {$130.00}. They completely ignored my final payment on my bill. This amount was carried into my XXXX statement as a balance and attracted interest rates which should not have happened. Comenity issues its statements on the XXXX of each month online and creates a due date of the XXXX of that month. Therefore my XX/XX/XXXX payment should have been reflected on my XXXX statement but it skipped an entire month creating an additional interest fee to be paid in error. 

I was unaware of this additional fee as I got confirmation from my bank, Comenity and my credit report that my debt was fully paid. In XXXX I still owed Comenity {$10.00} in interest for a balance that was cleared two months prior. Comenity then wrongfully reported me as one month delinquent. By this time I owed {$43.00}. I disputed this with both Comenity and XXXX. During their investigations I still paid the bad faith fee so as to avoid any more issues with my credit report. The matter was resolved. My credit report was restored. 

When I paid the bad faith fee of {$43.00} Comenity returned the payment but then charged me a fee to return the money. When I called Comenity they said I had insufficient funds. I explained this couldn't be as I got a confirmation number that the payment went through and my balance was updated to {$0.00} everywhere. I was unaware of this return as the issue was still being investigated. The return fee then went into late payment and I then paid even more interest on that fee. The total amount came up to {$80.00}. Comenity then charged my credit card with the {$80.00} owed racking up even more fees and interest as this was now considered a purchase on the credit card. 
I disputed the mistake again and Comenity has not removed the error from my credit report. All three of my credit reports have different information. My Experian credit report says I was never late and my debt to Comenity is {$0.00} but XXXX and XXXX have reported that I am 2 months late and that I still owe Comenity money. Comenity has caused my credit score to drop from XXXX to XXXX alleging I was late on fees when in reality I had no fees to pay. I have also lost out on an opportunity to be approved for a mortgage since my credit score has dropped so significantly. I was pre approved for a student loan for school but my affected credit score will impact the amount I'll be eligible to receive.

Comenity has been ignoring all my efforts to have this rectified. It is a simple correction.
Product: Vehicle loan or lease

XX/XX/XXXX Your appt w/ XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ) today, XX/XX/XXXXXXXX XXXX XXXXXXXX. Reply CONFIRM or call XXXX to change or get help with your XXXX link. 
I applied for a loan as a Creditor, and was asked for authorization via Power of Attorney, by a man named XXXX, to consent to entrust XXXX Agent to act as Creditor, to access and receive funds for the Consumer, Me. 
After Creditor accessed ( Hard Inquiry ) the funds, the substance was then denied the Consumer.

Consumer, Me, was denied without compensation, and there was no attempt to remind initial Creditor, also Me, of my Right to Rescind. 
I have sent notice via SMS to XXXX of my intentions to Cure, Resolve and settle the dispute. 
And am filing said complaint as to register the account publicly as a claim made my I, XXXX, the XXXX.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX from credit acceptance. Upon me purchasing the vehicle i was told the final asking price was XXXX. I put XXXX down on this car. A couple of months went past with me making on time payments and i believed my balance would be around 8 thousand give or take, I have saved up enough money to inquire about a pay off. This company told me I must pay at the time XXXX to pay the car off. the amount financed was almost double the final asking price!! the dealership failed to show me that and being young i did not pay much attention to it. why am i paying for interest that was not accrued! I'm paying the loan off early so why must i pay for interest that's years away! The blue book value of this car is XXXX, so not only did i purchase this car more than double of its worth, I'm also liable to pay for interest that is years ahead to pay the car off. There is no prepayment penalty. 

Because I refuse to pay XXXX for a car that is worth XXXX and have XXXX miles on it i decided to buy another car. 

Now since the car has been sitting in my driveway my credit has taken a huge hit. especially due to personal reasonings and this pandemic iam not able to pay both car loans. 

I feel like credit acceptance know that iam young and took advantage of my age, There is no way i should have to pay off forecasted interest to pay the car off now when the life of the loan is still substantial. Also i really needed a car back then and did not know i was paying double the bluebook value, and double the interest.
Product: Money transfer, virtual currency, or money service

Following the lead of a man I met on XXXX dating site I invested money in XXXX. Wiring more and more money from XXXX XXXX to XXXX XXXX I was showing profits on XXXX XXXXt . When I tried to withdraw my funds for the real estate deal they were intended, XXXX froze my account. They having extorted me for hundreds of thousands of dollars in " bank security deposit '' fees and refuse to release the {$400000.00} in my account. I am convinced I have sent my money to a fraudulent " XXXX ''. I have defaulted on the real estate deal and am in jeopardy of losing another {$50000.00} because of that. I am broke and physically ill. Please help me.
Product: Money transfer, virtual currency, or money service

The issue is with Wells Fargo and the use of the bank connected XXXX mobile transfer within their app. 

On XX/XX/XXXX and XXXX I made 2 transfers of money totaling {$500.00} and {$150.00} respectively. The only warnings of XXXX that WF provided is to make sure it is someone you know. I transfered the money to someone who is a mutual member of a XXXX group I follow, for a purchase we discussed in great detail including 16 emails. Once the 2 payments were sent the buyer deleted their XXXX account and no longer responded to emails.

I reached out to WF immediately for claims and they have refused to compensate in any ways claiming they are " with no error on our part ''. My issue was with the lack of warnings and protections that were not clearly communicated before transactions can be made. On WF  description of what is XXXX, words such as " secure '' appear and state that the service is operated and managed by WF when used through the WF app. 

On XX/XX/XXXX WF released an update across the platform creating more awareness and warnings for the lack of protection regarding the XXXX transfer service. The fact that WF knew there were issues with scams, that they didn't offer protection, and that the service did not properly display these concerns displays negligence on WF to protect its customers. WF should have preformed a hot fix or a temporary XXXX closure to secure or properly display warnings of transactions not being protected. 

On XX/XX/XXXX I received mail dated XX/XX/XXXX, declaring that WF would not offer to recoup any of the lost funds. ( see attached ) I have been a customer for over 5 years, and if WF can not properly assist they will lose my business. 

Claim numbers : {$500.00} : XXXX {$150.00} : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX. Account # : XXXX XXXX XXXX Account # : XXXX XXXXAccount # : XXXX XXXX. Account # : XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person kn
ows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Payday loan, title loan, or personal loan

I took out a title loan with Eagle Financial in XXXX and I was supposed to be done paying it back XXXX XXXX well I fell on hard times, lost my job and got behind but I did good because I didn't fall behind until my last months of payments. However, I only had 3 payments left but the company is reporting that I owe more and that is not accurate and at this point I need my title back and an accurate credit reporting. I have disputed this with the credit bureaus 3 times now as of the last 3 months and Eagle just responds verified which does not show proof of anything. Now I am reaching out to you to see where this can go before taking other action.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I was scammed out of XXXX through Zelle from a individual I met on XXXX. I was led to believe I would receive merchandise for payment but never received it and the individual cut off contact. I reached out to the person with no response. 

On XX/XX/2021 I was scammed out of XXXX through Zelle from a individual I met on XXXX. I was led to believe I would receive merchandise for payment but never received it. I tried to reach out to the person with no response. I contacted Zelle but didn't receive any help. 

On XX/XX/2021 I accidentally sent XXXX to a individual through XXXX XXXX. I contacted the individual for a refund. They haven't responded. I reached out to XXXX XXXX support team with no response.
Product: Mortgage

In late 2022 I had a insurance loss on my home. Repairs were completed in XX/XX/XXXX. Since then I have gotten nothing but the run around regarding the XXXX that Freedom Mortgage is holding. My insurance company named them on the check and trying to get the check returned has been impossible. No one from management returns a call, no one knows what's going on and it's nothing but continued excuses. Meanwhile I have had to take money from my savings to pay the repair company to avoid being sued for non payment. This has caused undue financial hardship and stress. Is absolutely unacceptable.
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. 


Has violated my rights. Or list of INQUIRIES 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint under the family educational rights and privacy act ferpa regarding the unauthorized access to my personally identifiable information by XXXX XXXX and his employees through the department of educations databases. 

On or around XX/XX/year>2025, I became aware that individuals associated with, who were neither school officials nor authorized representatives databases that include my personal educational records without my knowledge or consent. I am aware that usage of database is monitored, recorded and/or subject to audit. I did not provide any authorization for such access and I believe this consistitutes a violation to my FERPA rights.

To my understanding, the Department of Education is required to safeguard students personal records and only grant access to authorized parties under FERPA guidelines. The unauthorized access by private individuals or corporate representatives is a serious breach of these protections.
Product: Money transfer, virtual currency, or money service

I submitted a claim but my case closed. I sent in XXXX to a man over XXXX but the user is now listed as unregistered. The number the money was sent over to is XXXX XXXX XXXX XXXX and this happened on XX/XX/XXXX.
Product: Mortgage

I was in contact with XXXX XXXX from Flagstar and he indicated I could scratch the old escrow balance and out the new amount and sign the letter and submit. I signed the letter and submitted to bank. They processed escrow payment on XX/XX/2023. This brought my escrow account to {$0.00}. I sent the letter certified mail. No one contacted me to say hey we need a new letter signed for escrow they just proceeded to pay my taxes on XX/XX/2023 creating a new balance on my escrow account. This is clearly unacceptable. I need someone from management to look into this.
Product: Credit reporting or other personal consumer reports

To whom it may Concern, My name is XXXX XXXX and reporting violation on my rights. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. 

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

Any and all consent to XXXX, XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states : " 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. 
15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries and incorrect information has been diligently neglected by Experian. Besides, the inaccurate information about my inquiries and personal information are still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries and incorrect information that are still reporting on my account : Inquiries : XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date Updated XXXX XX/XX/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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 deleted : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$690.00}
Product: Vehicle loan or lease

After performing a credit swap with XXXX XXXX XXXX on XX/XX/2022, which involves me providing my security instrument containing material information to secure all future payments, threatened jail time if I didnt make any extra payments after my security instrument in fact already secured such payments I was manipulated to be responsible for. 

When performing an actual credit swap XXXX XXXX at no point disclosed to me that a security is required ( by law ) for consideration under the agreement/contract. 

Auto Boutique never disclosed to me that I created a security instrument under the agreemenXXXX XXXX XXXX  never disclosed to me they received my security instrument as a cash deposit onto their account ( XXXX ) /ledger XXXX  XXXX never disclosed to me at ANY point my security instrument funds the credit for VIN # XXXX At no point did XXXX  XXXX disclose we were engaging in a credit swap. I funded them-they funded me transaction. 

XXXX XXXX  then INCREASED the total sale price by 300 % from XXXX to XXXX, after explaining to me I couldn't receive the vehicle unless I made a cash diem payment which is pursuant to 15 usc 1605, in regards to the law the {$5000.00} down payment and ALL OTHER PAYMENTS made on a monthly basis to XXXX XXXX collected were all illegal finance charges and a violation.
Product: Mortgage

We have requested a Loan Modification application to our mortgage company which was denied. I have submitted the appeal on the decision.
Product: Debt collection

Transworld re-dated an account on my credit report after the 7 year non report limit.
Product: Money transfer, virtual currency, or money service

Square app credit card processing app closed my account without my permission and without reason. They are withholding {$2000.00}. I am a XXXX  registered Ohio XX/XX/XXXX. XXXX XXXX XXXX
Product: Mortgage

When Carrington mortgage took over my loan in XXXX of XXXX, they claim my escrow account was negative {$1700.00}. When checking into my previous lenders statements to me about my escrow it showed that when I transferred over, my escrow account was XXXX ( they also took two FHA payments out for XX/XX/XXXX ). My insurance was taken out in XXXX of XXXX which is paid on a yearly basis and my taxes were paid in XX/XX/XXXX which in bi annually. Because Carrington stated my escrow account was negative by so much they increased my escrow payments in XX/XX/XXXX making my monthly total payment jump from {$560.00} to {$890.00}. I believe Carrington mortgage has overcharged on my escrow and they will not share with me what was given to them from XXXX when my loan was transferred.
Product: Mortgage

my father who has XXXX from a XXXX XXXX 7 years ago, was counseled to co sign a loan for his grandson. I as the daughter and a realtor was not consulted and was kept in the dark about this issue. one night my father called me regarding papers which were truth and lending. I asked " dad did you take out a loan '' he said no. after discussion I agreed to go to his bank with him and have his bank rep look at the papers. The bank rep asked my father if he was moving. He said no. next the rep stated, XXXX XXXX. on this owner occupancy paper it says you are moving at this address. this was a document as the primary borrower. my family, brothers and loan officer had my father sign papers which were not true. the banker asked me what I was going to do. I said if I do something, I will be disowned by my brothers but if I dont do anything my dad my get hurt if he needs credit in the future. my father is XXXX years old. my brothers are an attorney and a financial estate planner. My father has XXXX other grandchildren. I called the loan officer who stated, yes I know you and your whole family. I replied did you not find it strange that I was not part of the conference for this loan. and I was not the realtor and this affects my fathers best interest. He replied that the grandson would not get the loan. I replied that it is my dads call and gave my father the phone. my father said he would not do this loan. All knew including the real estate agent my father has XXXX. since then I have had a flood of issues with adult abuses to my father for his money. This is why at this time I feel we need to revisit the attempt that was made to commit fraud.
Product: Debt collection

I sent a debt validation letter to long finding in which they never supplied the information requested and continued to report on my credit against the law
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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, Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have 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 written instructions