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

I sent my Complaints # XXXX, XXXX, XXXX last XX/XX/XXXX but when I checked my Complaints, it seems that you have closed it on the same day. I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove these items not later than 4 business days. Here is the list of erroneous items found on my credit report : XXXX XXXX : {$530.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} 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 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: Payday loan, title loan, or personal loan

I have had this loan since XX/XX/2018. I attempted to update my bank account for over a month ( on hold for over an hour without reaching a representative on every occasion and unable to update online ). My loan payment was taken from the old bank account even after I managed to get my account updated ( after multiple emails back and forth with customer service ). They updated the bank account, but told me I had to call customer service to update the pay schedule ( I had changed to bi-weekly instead of twice per month ). I attempted numerous times unsuccessfully to reach customer service to update this information. I emailed again with no response. I just wanted to correct bank account to be updated on the correct date. Even just the correct account would have worked. MoneyLion then reported a late payment to all credit bureaus, dropping my mortgage score nearly 100 points. I am in the process of obtaining a home loan, and now no longer qualify. I have sent numerous emails and no one will address the mistaken late payment notation. I need it removed, as it was an error on the part of MoneyLion. I have paid the remainder of my loan and will close all accounts I have with MoneyLion. I  just need the late payment removed immediately.
Product: Credit card

I had a XXXX credit limit WITH BARCLAY 'S, they reduced it to XXXX based on illegally obtained information from a credit agency ( XXXX ), who I DID NOT GIVE ANY WRITTEN PERMISSION, to share my information. This CREDIT AGENCY has VIOLATED my rights to PRIVACY ( 15 USC 1681 section 604 a., section 2, it also states a consumer reporting agency CAN NOT, furnish an account without my written instructions, under an open end consumer credit plan as late for ANY PURPOSE.
Product: Credit reporting 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. 
XX/XX/5178XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

My recent claim XXXX for non receipt of the service was denied on the grounds of the sellers policies. The refund policy is voided under Florida 's Sellers of Travel Act which is publicly viewable at XXXX XXXX XXXX   XXXX XXXX  XXXX. 

At this point not only has the seller failed to adhere to this act, but has failed to provide the requested refund on the grounds of a refund policy which doesn't adhere to the act in question and hence is not binding. Moreover, this is a service I didn't receive - at all. So, this clearl doesn't fall under any legal gray area of being able to charge for services rendered considering there were quite literally no services rendered. 

The seller also failed to provide a suitable resolution as required by sellers of travel per this act. Moreover, PayPal being the transactional provider is directly liable for upholding illegal practices under this act by means of failing to provide the resolution requested. Specifically, the policy stated by the seller is voided by statuates 559.932, 559.933, and 559.935 The seller failed to provide the requirements to provide a legally binding refund policy under the requirements of statuate 559.932 and 559.333 on both the policy itself and communications. Moreover, the seller is clearly in violation of the violations proposed by statuate 559.935 on multiple counts. The statuate violated which is nuclear to any resistance of this claim is specifically : Statuate 559.935 ( 20 ) even if any of the others weren't true. That alone is grounds. 

I have attempted to resolve this through other means to no avail. PayPal has been given the legal statuates they are violating upholding this transaction between parties as well as what statuates the seller has violated. 

I've opened multiple cases. I've contacted support multiple times during which the agents have given me a " run around '' with no resolution per your companies scripted responses. 

At this point without a resolution and a clear indication that PayPal has no intention of resolving this despite evidence and statuates provided I will be forced to purse this matter further through legal means.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to request of you to correct my XXXX XXXX from erroneous reporting. When I checked my credit record, I just discovered a billing problem. Under XXXX XXXX XXXX ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed account : XXXX XXXX XXXX XXXX : {$15000.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.
Product: Debt collection

I have asked Merchant & Professional to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Mortgage

I received an email from my loan servicer recommending the VA IRRRL program to me. In the email, they specifically use language that the VA and this website refer to as suspicious and/or misleading.
Product: Debt collection

I have sent numerous dispute letters disputing this account. With all the attempts they never validated the debt. My letter specifically stated that they must have all documents that bare my signature and also the billing ledger and any other information to prove that I was in default with this account. I have not gotten this information. As of today XX/XX/2017.
Product: Bank account or service

My original mortgage was by a bank in XXXX Ohio. Apparently, this bank sold my mortgage to PNC Mortgage. I was offered a better loan rate if I opened a PNC bank account. I opened the account because I was told that there was no fee on the account. PNC encouraged me to sign up for paperless billing, which I did as I thought it would be eco-friendly as well as cut down on mail to my home. I recently received a letter from PNC Bank stating that my bank account was overdrawn and they had tried to contact me previously. I know this is not the case as I recently refinanced my PNC Mortgage, which involved detailed discussions with all levels of staff within PNC and no one ever mentioned that PNC started charging a monthly fee for my bank account. When I called the PNC customer service number in the letter, I was told that PNC changed the policy XXXX years ago and that I had been incurring monthly fees ever since then. I was told that I would have to go to a branch and speak to a manager. I went to the nearest branch and told the manager that monthly fees had been charged against my account for XXXX years without me ever being given notice. I further explained that I only opened the bank account to get favorable loan terms and had no reason to further engage the account as it was a secondary account that had no activity since its inception ( other than the fees ). I did n't receive any statements because I opted out of postal mailings and I never established an online view because I was told there was no fees and I had no activity on the account. The branch manager said that she could only request a few months reimbursement for the fees and that I would have to make a complaint in order to receive my money back. My request was denied and the manager stated she could not override the reimbursement denial. I was told that the fees are assessed on any bank account with less than {$500.00}. I was paying a mortgage of {$3000.00} monthly with PNC.
Product: Mortgage

This is a new complaint related to my original XXXX on XXXX/XXXX/15 - Case number : XXXX. Per the attached letter dated XXXX/XXXX/15, SLS claimed that they submitted a manual update to the credit bureau reporting agencies. My mortgage is still not showing on my credit reports ( specifically XXXX and XXXX ). I understand that it can XXXX days for the credit bureaus to update my credit report. It has now been almost XXXX days since they claimed they first reported it, and nearly XXXX months since my mortgage began with them. This is unethical and unacceptable, and is causing me unnecessary XXXX. I have talked to numerous professionals in the mortgage industry who said they have never heard of such actions, and that this borders on being both illegal and discriminatory.
Product: Credit card or prepaid card

I got an text alert about suspicious fraud activities on my account on XX/XX/17 morning. So I called Citibank to notify them that I did not make the purchase and close the account and reverse any transactions right away. That person used my credit card to make purchase from XXXX, XXXX and XXXX. I was able to stop the items before they were shipped out from XXXX and XXXX.The item purchased from XXXX was a {$100.00} e-gift card which was used to purchase XXXX gift card. 

Three months later, Citibank charged me for that {$100.00} gift card purchase because XXXX claims that the XXXX gift card was delivered to my personal email address and was used. I have never seen that gift card email delivered to my email nor did I use it. I have already notified Citibank of fraud activities on my account on XX/XX/17 and they should have protected my right as customer. But they refused to reverse the {$100.00} charge of that e-gift card purchase and I have to be responsible for it now. I have spoken to the customer service and security department from Citibank and they treated me like I was the scammer, instead of a victim of fraud. 

That doesn't make any sense to me. What are the ID Theft and Fraud Protection Service for if Citibank can not monitor and protect my account from fraud activities?
Product: Credit reporting or other personal consumer reports

XXXX XXXX ACCOUNT NUMBER : XXXX IS A FRAUD ACCOUNT OPENED WITHOUT MY KNOWLEDGE. 

THIS FRAUD ACCOUNT HAS A BALANCE OF {$29000.00} WHICH IS INACCURATE AND ALSO SHOWING A BALANCE DUE. 

THIS ACCOUNT IS INACCURATE AND SHALL DELETE FROM MY CREDIT REPORT BY LAW.
Product: Mortgage

I purchased my home for cash in XXXX After the sale of my Home- at the divorc settlement- a XXXX mortgage for an XXXX and XXXX XXXX XXXX old national bank. For a foreclosure in XXXX. Both legal councils, the title company- and the bank refused to help us. XXXX XXXX and XXXX XXXX. XXXX title ( XXXX, XXXX ) It took me 9 months to get the money found and returned to the title company. Now they all want more from it- and refuse to send me the rest of my divorce settlement. 
I have multiple emails. My complaint is with every company involved and an status update on follow up here would be appreciated
Product: Debt collection

On XX/XX/2019 I spoke with a representative before I filed to re-certify my income driven repayment plan with fedloans.gov. I explained to her my situation ... that although I was making more money than the previous year, my financial obligations had also changed. My living situation had drastically changed. I am a single parent with a XXXX year old who is starting school in XX/XX/2019, which I have to pay $ XXXX  monthly for ( not by choice ) and I also now live on my own paying a $ XXXX  monthly mortgage. I was living with my parents before and was not paying rent. I moved out of their house ... now XXXX years old. I could not afford an increase in monthly student loan payments. I was paying about $ XXXX monthly, in student loans at the time. I was seeking some form of financial assistance from the Fedloan.gov student loan representative. She told me there was nothing she could do because I did not have any forebearances left and I made too much money to qualify for a hardship deferment. I in fact had a serious hardship, and was considering defaulting on my loan because of it! This interaction with this representative made me realize why people just give up paying their student loans, and let them go into default. Its bad enough that a loan that started with XXXX/XXXX at {$80000.00} turned into {$190000.00} from just the unfair interest that accrued over a few years ... but when your trying to just keep your payments the same and reasonable so that you can support your family, and you are not given any options ... it makes student loan companies look that much more shameful and abusive. As of XX/XX/2019, Im paying {$620.00} a month towards this horrendous student loan that keeps increasing, although I graduated from college over a decade ago and it has ruined my credit and forced me to consider it not being worth trying to pay anymore, so that I can provide for my daughter and I, without the grotesque hardship it is creating for us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw a collection from OLOPHANT XXXX LLC drop onto my credit in XXXX, XXXX for a XXXX XXXX XXXX that was from XXXX. It says card opened XXXX. The information is incorrect, I disputed with XXXX through XXXX XXXX and it closed today saying the information IS correct. It is not. I have the first default e-mail from XXXX saying it was 2 months past due and should be falling off my report this year, XXXX yeas later.
Product: Credit reporting or other personal consumer reports

I am filing an official complaint regarding Experian 's failure to comply with the Fair Credit Reporting Act ( FCRA ) following my identity theft dispute. Despite providing evidence of identity theft, including my FTC Identity Theft Report and police report, Experian has failed to act in accordance with FCRA regulations to remove the fraudulent information from my credit report.I have been a victim of identity theft resulting from the XXXX XXXX breach, which has led to the inclusion of incorrect names, addresses, and employers on my credit report. Despite multiple attempts to dispute and resolve this matter with Experian, they have not taken the legally required steps to address these inaccuracies. Below are the details of the violations : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Identity Theft Block Experian is required by law to block any information resulting from identity theft within four business days upon receiving proof. Despite providing all necessary documentation, Experian has failed to block the fraudulent information associated with my identity. Due to Experian 's failure to comply with FCRA regulations, I continue to experience the following : Violation : Failure to block the fraudulent names, addresses, and employers associated with identity theft within the mandated timeframe is a direct violation of this section.

Damage to my credit profile due to fraudulent names, addresses, and employers being listed on my report.

Inability to obtain credit or financial services because of the inaccurate information remaining on my report. 
Emotional distress and financial hardship caused by Experian 's refusal to act within the legally mandated timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported an account that I am not mine, that I never open. or may have been open under my name without my permission. They reported as accurate but I am willing to provide proof that I do not make payments or charges under this account. I believe it is unfairly affecting my credit report.
Product: Prepaid card

On XX/XX/XXXX, I purchased a Vanilla Gift Card valued at {$450.00}. Unfortunately, the next day, the card was lost and subsequently reported missing by someone else. I promptly contacted Vanilla customer support and was provided with Case Number XXXX. They instructed me to send images of the card ( front and back ), the purchase receipt, my ID, and proof of address to their designated email. 

On XX/XX/XXXX, I submitted all the requested documents as instructed. Over the past few months, I have sent multiple follow-up emails, but I have not received any response from Vanilla. Each time I called to inquire, I was told they did not receive my documents, despite my having re-sent them several times.
Product: Credit reporting or other personal consumer reports

I had all these inquiries due to my data being breached on Equifax and XXXX and seen those inquiries removed and adresses removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want Early Warning, XXXX XXXX XXXX and XXXX XXXX to mail me a complete copy of my free annual credit/consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you? Im extremely upset and shocked about the way this charge-off on BANK OF AMERICA account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Vehicle loan or lease

After being solicited by a dealership from a " Happy Birthday email '', I secured a deal ; however the warranty listed XXXX months. 3,000 miles were given by the dealership. I took the vehicle to the dealership several times for them to assist and " check '' to ensure no major problems. The service manager reassured me up until a few weeks before the car was diagnosed with a transmission issue. With the dealership being 30 miles away. The car was towed on XXXX XXXX, and has been stored until 2,400 worth of labor can be performed. I purchased the extended warranty for 1,266.00. The company refuses to fix the vehicle at its current mileage which is over 61 miles over alloted. A certified letter was sent to the company directly for a resolution. No late payments were recorded until XXXX ; however payments have been rendered despite the vehicles ' storage at the dealership. As a result of reporting from the loan company ; the chance to trade the vehicle with the dealership was denied. A credit report was pulled by the salesman ( without permission ). The salesman stated he was going to see " what was going on with the vehicle ''. He came back with a credit report check document. No further assistance has been provided nor contact from the dealership. After the vehicle fail I did further research and read customer XXXX reviews ; I noticed several customers had a similar experience, and I learned of a federal lawsuit previously brought forth against the loan company. I did not know that this particular dealership was a : XXXX XXXX " everybody rides '' ad within the email. This particular slogan is on local radio and tv stations with the notion " everyone gets approved ''. In the soliticitation email that ad is not stated. I entrusted the dealership to ensure qaulity sales, and products. The vehicle failed at 9 months almost exactly at the correct amount of mileage exhaustion. I also have enticing, and XXXX XXXX  text messages from the service manager ; after it was his determination I was not going to let them manipulate me into beleiving they were being professional since signing. In fact, his actions led more to a situation in validating my opinions of business both inside the office, and inside the service area. During the siging period, I was asked if I was " nervous '', and the statement was made that this would " help my credit alot ''. I was confused because my credit was fair at the time as a widow. I invested almost XXXX  into the vehilce before the XXXX XXXX failure. After a 600 mile spring break trip, the car malfunctioned tremendously. I had to probe the salesman and the service manager for the final verdict on the car 's diagnose. Still not clear. They can not answer the question, limiting fair trades with competitor lots in the local area. The car was purchased post COVID SARS II.
Product: Credit card or prepaid card

XXXX XXXX pays donors with debit card issued by Bank of America. Bank of America charges {$1.00} cash withdrawal fee from Bank of Americas own ATM and only allows waiving 1 fee per month. They can not charge fees for cash withdrawal from their own ATM.