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

This is a complaint against XXXX. The reason why I am writing this complaint is because on my TransUnion, XXXX, and XXXX  credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Credit card or prepaid card

I paid on time but youre listing me as late you need to update to paid as agreed. Please send me the docs that prove that I was ever late. I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX / XX/XX/2019 - 30 DAYS LATE??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Money transfer, virtual currency, or money service

I used Paypal to pay for a reservation with XXXX on XX/XX/2020. Reservation was cancelled by host on XX/XX/XXXX. XXXX offered full-refund as service was not received, but they say I was never charged. I was. Opened a claim with Paypal. Paypal closed claim because they say I received service. So XXXX agrees I never received service but says I wasn't charged. Paypal agrees I was charged but says I received service. Documentation provided to all. XXXX has sent a refund of $ XXXX stating that's what I paid. I paid {$360.00}. I am still owed {$300.00}.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX - XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp due to inadequate customer service and fair practices, which violate the Consumer Financial Protection Act. Specifically cashapp failed to take timely and effective measure to prevent and address 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 and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2023 to update and delete the items that is INCORRECT and UNKNOWN to me. Ive already included this in my previous Complaint # & I am including it again., TransUnion XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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  Subject : Request to Update Public Records with Phone Number Dear XXXX Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2022, TransUnion reported XXXX XXXX XXXX XXXX XXXX ran my credit report ( Hard Pull ). I have NO IDEA why. I did not apply for credit, housing or employment anywhere. This appears to be fraudulent. I keep a very close eye on my credit by watching all three agencies daily via numerous software applications. 

The bank that ran my credit was listed on my credit report as below : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX ( XXXX ) XXXX But after calling, they say this information is not correct. 
The correct phone number is : XXXX I advised them what happened and gave them my info. They reported they just started receiving many calls with the same complaint. They said their Security Dept would return my call within 48 hours. That was today, XXXX XX/XX/2022 No further at this time.
Product: Money transfer, virtual currency, or money service

I wanted to transfer funds from my chime account to my main account. I XXXX chime customer service. The number XXXX appeared i called. A person described himself as a chime customer service representative. He told me go to pay to.Type in the name XXXX XXXX. He then said to type in the amount i would like to transfer XXXX and in the message type in for test. He said we would do a test run to see if goes thru. So i hit the pay to button. And as soon as i did that the person hung the phone up and my money was gone.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to formally dispute several items in my Experian credit report and to request an immediate investigation into these issues. I have discovered multiple discrepancies in my report, including unauthorized hard inquiries, incorrect addresses, and collection accounts that I believe violate the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

cac financial has no validate account, they keep sending a letter head of doctor office but placing there information in the itemized statement, i have asked for a signed document with my signature and debt assumed to be agreed. the have yet sent any such documents. an itemized statement is not validation. 

at the end of this investigation will determine if i file civil suite against XXXX AND CAC FINANCIAL for report unvalidate debt to my credit report in order to damage my credit. both have been asked to verify and validate debt.
Product: Checking or savings account

Current XXXX  XXXX XXXX XXXX FDIC refused to send my accumulated funds back to social security administration via XXXX  or direct deposit or to reported addresses XX/XX/year> after " identity verification '' I already provided. I reported identity theft in XX/XX/year>. I've had extended extreme difficulty accessing my account every since.
Product: Debt collection

They are saying I owe XXXX XXXX XXXX. I've never had an account with them. I've tried to get the original contact information but no one has it. They're gon na garnish my check. 

They want me to file fraud information but they wont give me any information on the original account. 

The company name is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed this account multiple times and they always investigate its not til i file a complaint with cfpb that when they actually wan na investigate it i want the account removed they have had it inaccurately reporting to my credit report for 8 months and marked the dispute as frivolous the account was marked late in XXXX the payment was made on XX/XX/year>
Product: Money transfer, virtual currency, or money service

I have frequented this location several times to purchase construction/renovation materials. I have received the first few orders. However, since XXXX of XXXX I have purchased flooring, windows, interior doors, exterior doors, bathroom vanities, a kitchen cabinet, microwave and oven range that has not been delivered. Including a partial delivery for lumber - missing items. I have been promised delivery on several occasions and have yet to receive my full delivery. This order totals approx XXXX XXXX. What seemed to be a reputable business has turned into a scam, it is also believed that the employees are being paid " under the table '' and some have since quit or been fired after not being paid. 

I opened a chargeback request through my bank of america account and was temporarily issued a credit while and investigation took place. I logged into my app and noticed they have since reversed the temporary credit stating they have received a contract. I have never signed a contract with these individuals and have photo and video proof of merchandise not being delivered.
Product: Mortgage

I filed for bankruptcy XX/XX/XXXX, a Proof of Claim was filed by Nationstar Mortgage XXXX as Trustee as Creditor.Objection to the claim by my Attorney XXXX XX/XX/XXXX because Nationstar Mortgage could not show a transfer from Nationstar to XXXX Bank. XX/XX/XXXX Nationstar Mortgage Claim was ( Denied ) because Nationstar could not show a transfer to XXXX Bank. Incomplete escrow statements. attachment Did n't show what was actually paid from escrow Balance. I received Certification of Resolution. After the claim was denied XX/XX/XXXX I tried communicating with Nationstar and XXXX Bank on the phone could n't get no were just a run around.Doing that time I experience multiple hang-up and call transfer unable to communicate with anyone. XX/XX/XXXX there was a assignment of Deed of Trust filed by Nationstar Assigned Deed to XXXX bank Eleven months after I filed Bankruptcy and was asked show transfer they made up a Fraudulent assignment. XX/XX/XXXX Filed filed for Motion for relief, Stated that I had defaulted on payment. I was current on payment before they were denied payment because they could n't prove owner of note. XX/XX/XXXX I sent Nationstar and XXXX bank a Letter To who was owner ot note. XXXX XXXX received response from Nationstar stated they would get bank with me by XXXX XXXX still have n't heard back from them as of today XXXX XXXX. XXXX XXXX XXXX received response from XXXX Bank stated they are not the Creditor.
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following items on my credit report. 

XXXX : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX 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 DEPTEDXXXX Account Number : XXXX DEPTEDXXXX  Account Number : XXXX Experian : ALSO KNOWN AS : XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPTEDXXXX Account XXXX : XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX 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 DEPTEDXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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, XXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX : # XXXX, XXXX : XXXX XXXX, XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX 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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX : # XXXX, 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 an 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, credit repair services, or other personal consumer reports

On X/XX/2017 & X/XX/2017 despite having broken so many consumer protection and billing laws and multiple violations of Regulation Z, USAA has reported High Bankcard Utilization, multiple times on accounts they themselves already closed without any warning or just cause while refusing to provide any documentation. <P/>Additionally, XXXX of my cards should have had a zero balance, the third only had a high balance due to a disputed billing error USAA violated the allowed timeline and charged me for a year after the initial investigation was found in my favor and credits were permanently issued. <P/>Thus they are improperly reporting USAA SAVINGS BANK - High Bankcard Utilization multiple times on lowering my credit score. Additionally, they reported Credit Line Closed by Credit Grantor on  X/XX/2017 as well on an account which is in dispute and which was closed in violation of many sections of Regulation Z.
Product: Student loan

To whom it may concern : I am filing a formal complaint regarding improper interest accrual on my student loan account, serviced by Mohela, while I was in forbearance after applying for the Saving on a Valuable Education ( SAVE ) Plan. This complaint concerns {$2700.00}, which was applied to my account despite the Department of Educations directive that forbearance shall not accrue after sixty days of processing. 

Summary of the Complaint : 1. Improper Interest Accrual Despite Administrative Forbearance : I discovered on XX/XX/XXXX that interest had accrued on my account. I had applied for the SAVE plan on XX/XX/XXXX, which would have $ XXXX  monthly payment amount per Federal Student Aid. 
2. Inadequate Response from Loan Servicer : Shortly after discovering the interest charge, I contacted Mohela. A representative assured me that the interest would be removed. However, the charge remains on my account. 
3. Directive from Department of Education : The Department of Education website, updated on XX/XX/XXXX, states : If the borrowers application is not processed by their servicer within 60 days, the borrower will be moved into a general forbearance that does not count toward PSLF or IDR until their application is processed. Interest will not accrue in this general forbearance. Despite this guarantee, interest has continued to accrue on my account. 
4. Violation of Federal Protections : These actions may violate federal laws and regulations, including : o The Higher Education Act of 1965, which governs student loans and protects borrowers rights. 
o The Fair Debt Collection Practices Act ( FDCPA ), which prohibits unfair debt practices. 
o The Truth in Lending Act ( TILA ), which ensures accurate loan terms disclosure. 
5. Lack of Transparency : Mohela has not provided adequate documentation or a clear explanation for the improper interest charges, leaving me without a resolution. 

Requested Resolution : I respectfully request the following : 1. Immediate Refund of Improperly Charged Interest : Refund charged to my account 2. Adjustment of Interest Rate : Apply 0 % interest rate to my account until SAVE plan litigation is resolved. 
3. Review of Loan Account : Conduct a full review of my account to ensure no additional improper charges.

4. Detailed Explanation : Provide a written explanation of the interest charges and their origin.

5. Preventative Measures : Ensure corrective actions to prevent similar issues for other borrowers. 

Conclusion : I believe Mohelas actions violate federal regulations and borrower protections. If this matter is not resolved promptly, I will pursue legal action and explore other avenues to ensure compliance with the SAVE Plan and federal guidelines. Thank you for your attention to this matter. Please contact me if further information is needed.
Product: Credit card or prepaid card

On XX/XX/2021 at approximately XXXX XXXX  in XXXX, GA, I purchased multiple items from XXXX XXXX XXXX XXXX, by a sales person named XXXX XXXX. However on the receipt there is no charge for the items and there is a charge for {$1200.00} for the sales person XXXX XXXX. This in itself is fraud because the person who charged for the item is selling himself and not the item. The items however, had a {$0.00} figure next to the amount charged for the item. The items were defective so I contacted the seller/customer support to return the item. 

When I attempted to return the item to the sales person XXXX XXXX, he told me that I could return the item for a full refund if I brought the item back. 

The customer service messaged me saying that they would provide a full refund if I would sign a document which I did. 

When i attempted to return the item they would not give back my money. The company to date has not refunded any money to me. I am extremely upset and is rightfully determined to receive my money back from the merchant. 

I researched the company online and saw that there are multiple bad reviews speaking that the company is a scam and fraud and do this to multiple people. 

Thank you for your anticipated courtesy and cooperation in this matter. If you have any questions or concerns please contact me directly at the number above.
Product: Debt collection

A betting site, known as XXXX, was trying to charge me a amount of XXXX dollars. I used the site once and not for that amount. Over the last month, They've been trying to charge my account for different amounts as well. My bank was notified of this. I've tried reaching out to the site without a response. I also received phone calls about this but they said it was for another site, the site known as XXXX. I believe this a scam or fraud. Yesterday, my bank was charged XXXX dollars from a unknown merchant, I talked with my bank and they removed the charge but I had to get a new card to protect my account. Today, XXXX of XXXX, I received a letter from a debt collection, known as XXXX payments, saying I owe them the money they have been trying to charge me as debt plus interest. It says to go to a website known as XXXX. This site looks sketchy and untrust worthy.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 has violated my rights. 

I looked at my Equifax credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Student loan

My name is XXXX XXXX. This loan is in my name and my daughter XXXX. For starters this loan was to refinance a previous student student loan that was through XXXX XXXX, XXXX XXXX had while attending college. We started this new loan process in the fall of XXXX. On XX/XX/XXXX we were approved for XXXX. That check was mailed out to the previous lender on XX/XX/XXXX. This new lender was KHEAA/KHESLC. The loan agreement, percentage rate was fixed at 4.34 %. We were told that if we did auto transfer the rate would be 3.70 %. Recently I was going through paperwork that we receive from KHESLC and while carefully reading the fine print noticed the loan was now 5.03 %. I contacted KHEAA and spoke with a representative that helped us back in XXXX, XXXX XXXX, and ask him what had happened. He said he remembered me because there had been a mix up in the amount that we were to borrow and agreed with what I was saying about the loan agreement. He then said he would investigate this and get back to me. On Friday XX/XX/XXXX he contacted me and told me that, according to upper management, the interest percentage rate had changed to 5.30 % and that they sent us paperwork that confirmed that and that XXXX and I signed off on it .I was never made aware of any interest change. I have every piece of paperwork from them regarding this loan and told him I had no such paperwork. He said he would email me the material, which he did. After close review on my part these signatures, which are just initials, are not mine. XXXX 's signature does not even appear on this paperwork and although it does not say on this paperwork, signatures invalid, for some reason on my computer it is printed signatures invalid. I would have never agreed to 5.30 %. I expressed my frustration with XXXX and he understood where I was coming from but said there was nothing he could do. There is definitely something going on here.
Product: Credit reporting or other personal consumer reports

Pursuant to the fcra the response from XXXX is not in compliance with stating why and how it is verified as accurate reporting