23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I have paid my car loan in full ( $ XXXX+ ) with National Auto Lenders on XX/XX/2019 and it has been 3 months. We have not received our title and the lender has not send request to XXXX request for Lien Holder to be removed. They issued a Lien Satisfaction twice with incorrect information. However, it has been corrected, now XXXX XXXX Agency in XXXX XXXX, FL and XXXX XXXX, FL refused to accept it. They are stating we need the original title, which we never received. It has created a very stressful situation over the past week for my family and I. I would like to request if someone will please contact National Auto Lenders title department at XXXX and ask for the responsible party and ask them to submit the necessary request to remove their name from our title with XXXX so that we can obtain it without the hassle. It has been a bit of discrimination and hassle dealing with the XXXX workers in the local offices. We are not being treated fair compared to their same race of peers. Please investigate this matter as soon as possible. Thank you in advance.
Product: Credit reporting or other personal consumer reports

his company is reporting 90 days late payment but it states that I was late one time. This account is inaccurate and not verified. The information that's reporting an error is damaging my future and play a part in me getting denied for credit. 

XXXX. Dept Of EducationXXXX XXXX Closed account Opened : XX/XX/XXXX Original Balance : {$5200.00} Status updated : XX/XX/XXXX XXXX late payment 90 days later reported on XX/XX/XXXX XXXX. Dept Of EducationXXXX XXXX Closed account Opened : XX/XX/XXXX Original Balance : {$20000.00} Status updated : XX/XX/XXXX XXXX late payment 90 days later reported on XX/XX/XXXX XXXX. Dept Of EducationXXXX XXXX Closed account Opened : XX/XX/XXXX Original Balance : {$11000.00} Status updated : XX/XX/XXXX XXXX late payment 90 days later reported on XX/XX/XXXX XXXX. Dept Of EducationXXXX XXXX Closed account Opened : XX/XX/XXXX Original Balance : {$20000.00} Status updated : XX/XX/XXXX XXXX late payment 90 days later reported on XX/XX/XXXX In accordance with The Fair Credit reporting Act this creditor and all three agencies has violated my rights under 15 USC 1681 section 602 states I have the right 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 15 USC 1666b a creditor may not treat a payment on a credit card account or loan under an open end consumer credit plan as late for any purpose. Late payments should not be reported. 15 USC 1681a ( 2 ) ( i ) - late payment is a transaction and/or an experience, and it MUST BE EXCLUDED. ( I ) Accommodation The term accommodation : The Term " accommodation '' includes an agreement to defer or more payments, modify a loan or contract, or any assistance or relief granted to a consumer who is or was affected by the coronavirus XXXX XXXX ( XXXX ) during the covered period. It is illegal to report a late payment especially when I was never late, I had a card on file for auto pay. I never made a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am frustrated and I feel ike the Credit Bureausa have been ignoring my disputes requesting the correction of the disputed items that are still reporting on my Credit File despite the multiple letters and CFPB Complaint I have been submitting addressed to the Credit Bureaus. As of now, I am submitting another CFPB Complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. Please correct and or remove the following items from my Credit File : XXXX XXXX XXXX XXXX XXXX, MO XXXX- This address in incorrect and outdated, I need you to please remove this inaccurate address from my Credit File. 
XXXX XXXX XXXX Balance Owed : {$0.00} - This account is CLOSED and the BALANCE is XXXX, and you have been reporting this account as late when in fact the account was paid and closed. Please correct this account or remove if unable to correct.
Product: Money transfer, virtual currency, or money service

I am filing a compliant against cash app ( ( block inc ) ) due to inadequent customer services and unfair practices act. CFPA specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable & 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 regulations E. These actions have caused significant inconvenience she financial loss and I seek appropriate redress for these violations
Product: Debt collection

PAYPAL CREDIT/SYNCHRONY BANK ALLOWS SCAMMERS TO GET AWAY WITH CRIMINAL ACTS!! I purchased a pair of boots on XX/XX/XXXX in the amount of {$490.00} using Paypal Credit. Seller stops responding same day after receiving payment. Case opened, payment refunded to my account XX/XX/XXXX. Seller provided fake XXXX tracking number XXXX showing item delivered only to my city and zip code, not MY actual address. My name or full address wasn't even listed on the invoice provided. Despite invoice showing major inconsistencies of the item being delivered in an envelope that weighed 0.5 pounds, NO REAL PROOF it was actually delivered to my home and SIGNED FOR BY A RECEPTIONIST, not me, Paypal Credit ruled in favor of the scam seller and added the funds back to my account for payment XX/XX/XXXX. I reopened dispute immediately XX/XX/XXXX as I never received any boots and seller is not responsive. I sent proof of not receiving my item and pointed out all inconsistencies by secured message on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX including endless phone calls TO NO AVAIL. ALL THE SCAMMER HAS TO DO IS PROVIDE A TRACKING NUMBER THAT SHOWS DELIVERED AND IT GET 'S RULED IN THEIR FAVOR. BE AWARE! I open a case with XXXX regarding tracking number provided. XXXX CASE XXXX. THANK GOD XXXX was nice enough to provide me with ALL proof needed SHOWING the item was NEVER DELIVERED TO MY HOME. THE PROOF SHOWS all seller information AND RECEIVER 'S FULL NAME, ADDRESS and PHONE NUMBER CLEARLY SHOWING IT WAS NOT ME OR MY ADDRESS!! Actually it was a letter mailed to a bank!!! Not XXXX Boots I ordered! I SENT THIS VALID proof by secured message XX/XX/XXXX and XX/XX/XXXX thinking this would be the end to this nightmare. I also faxed over and mailed with return receipt XX/XX/XXXX for added measure. I was SO proud to have the glaring proof I needed to close this dispute. XXXX invoice showing the inconsistent weight and shipped in envelope. Plus another invoice showing the envelope was signed for by a receptionist by the name of XXXX XXXX which is clearly not my name nor do I have a receptionist at my home. Lastly, the XXXX invoice showing MY NAME PLUS ADDRESS ARE BLANK AND MISSING. How can an item be delivered to my home if this information is missing? XX/XX/XXXX They ruled in favor of the seller again as he provided the same scam tracking number.
Product: Student loan

Previous CFPB complaint 's addressed response is incomplete and inaccurate. PHEAA is demanded to remove delinquency statuses beginning on the date the payment is scheduled. On XX/XX/2022, a payment will be made over the phone with a valid XXXX XXXX. I will be contacting a representative from my financial institution and the CFPB to witness that a payment will be processed on this date. Once PHEAA reports that the account becomes 60 days past due despite the payment being accounted for ON XX/XX/2022, PHEAA will be engaging in fraud and misreporting to the Credit Bureaus. Furthermore, if this occurs, I will be alerting the CFPB, the FTC, all Major Credit Bureaus, the XXXX XXXX XXXX XXXX  office, and a few attorneys with screenshots of the bank account proving the payment was processed on XX/XX/2022, yet PHEAA would maintain reporting the account as delinquent past 60 days despite their inability to reflect the status appropriately.
Product: Mortgage

Original loan required PMI insurance due to the slow turnover in our neighborhood and poor comps for home value. After 2 years of perfect payment history we paid for an appraisal and CMC Funding/XXXX would not consider it for removal of PMI. Our original loan was made with XXXX, however the loan was sold to CMC Funding.
Product: Credit reporting or other personal consumer reports

I been payed off my XXXX XXXX  its still being reported and showing on my credit report. This is unacceptable, also the scores is frequently changed up and down and back up and down again so I question how is that even possible
Product: Debt collection

XXXX and Speedy Cash sent in a collection that is not mine. My SS and my daughter SS was taken. I never was verified in writing of this debt and needs to taken off the report Thursday XX/XX/XXXX I was called a man name XXXX stating he was coming to my home and serving me in XXXX County. He used abuse language and he was coming to my home. I called the police. This is also an illegal and possible civil suit
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  did a inquiry on my credit on XX/XX/22 and on XX/XX/22 without my knowledge or approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX # XXXX XXXX XXXX XXXX XXXX XXXX {$110.00}
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized. Also, the inacurrate addresses XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, IL XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Product: Debt collection

On or around XX/XX/XXXX, I contacted American Express to make them aware that I would be unable to pay the balance on the account for some time due to Hurricane Harvey. I was told only at that time that " I didn't need to make a payment at that time '' and that I could " make a payment when I am able to do so. '' It was not until XX/XX/XXXX that I began to receive late fees associated with the outstanding balance. I made a partial payment on the account on XX/XX/XXXX and attempted to make a payment on XX/XX/XXXX. I did not receive any collection calls or notices from American Express in an effort to collect the debt. I contacted American Express to change my address and I was told at that time that my account had been sent to a third party collector. Again, no notifications from American Express that this would be done, no attempt to contact me to resolve the debt at least 30 days prior to the debt being assigned to a debt collection agency. After speaking with XXXX ( Payment Team ), XXXX ( Credit Team ), XXXX ( Legal Department ) with American Express, I was unable to resolve this dispute on my own since the account has been outsourced to XXXX Collection.
Product: Mortgage

My name is XXXX XXXX XXXX and I am the daughter and successor of interest on the loan. Wells Fargo is fully aware. 

I sustained economic hardship during Covid-19 and took the 18mos mtg. forbearance requesting the option of having the 18mos. payments placed at the end of the loan 's maturity date. The forbearance is up this month and I have been in constant contact w/Wells Fargo for weeks making them aware that I am ready to resume regular payments XX/XX/XXXX as was my choice and always was my choice.

Wells was constantly sending letters addressed to me re : options and were always in full agreement w/my choice. I called again yesterday and was told by a XXXX  XXXX  ( Home Preservation ) that I MUST assume the loan and accept a loan modification. That was never my choice and is not my choice. She stated I have no other option because I am a successor of interest. After a 3 hour phone conversation of arguing, I finally spoke w/a XXXX XXXX ( Home Preservation ) who when I told her to read up on CFPB 's XX/XX/XXXX Successor of Interest rules where as a successor of interest has the same rights as the original borrower and also FHFA head XXXX XXXX XXXX stating the same, she relented and said she would contact a underwriter and try and expedite my choice of options? She said it would take 7-10 days and would require an appraisal be done? Also, she could not guarantee I might be denied? When I questioned why would I be denied, she had no answer. This is ridiculous. Please, help me. I have attached the PDF documents that XXXX @ XXXX  XXXX  requested. 

XXXX XXXX XXXX ext. XXXX XXXX XXXX XXXX ext. XXXX Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, CT. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter on XX/XX/XXXX through Certified Mail to Experian requesting a reinvestigation and the Method of Verification for a bankruptcy reporting against me on my credit profile through Experian. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Experian has been non-compliant and didnt complete the dispute in 30 days. I further remind Experian, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. I did not authorize a third party provider called XXXX to report this data against me on Experian. The public record is non compliant, inaccurate, and unverifiable.
Product: Credit reporting or other personal consumer reports

Multiple items on credit report that I requested they be investigated and removed, in violation of 15 U.S, Code $ 1692c 15 U.S.Code $ 1666b 15 U.S.Code $ 1692g 15 U.S.Code {$1600.00} 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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX, XXXX. 
Account number : XXXX Account name : XXXX, XXXX. 
Account number : XXXX Account name : XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

This debt is n't valid, the contract is null and void due to the fact the spelling of the name listed is n't mine. I will be getting in contact with an attorney and filing suit if this is n't removed from my credit. I know my rights as a consumer and I know FDCPA laws.
Product: Money transfer, virtual currency, or money service

My complaint is against PayPal , Inc . The complaint is that the online Activity view of my transactions is incomplete and does not reconcile to the Statement that can be downloaded after the end of the period, in this case, the month of XX/XX/2020. 

To clarify, I was paid for a transaction that is shown in my online Activity view of transactions. The problem is that there is no record in my online Activity view that the transaction was refunded. The complete record is only available by downloading the statement. 

The details. I agreed to refund a buyer via a Resolution Center dispute. The money was removed from my my PayPal balance without any update being recorded in my online Activity view of transactions. The original transaction does not show refunded, and there is no evidence in my online Activity view of transactions that the transaction was ever refunded. 

In short, the Statement download shows the money going out of my account, but it does not reconcile it to the original transaction ; and in any case, the online Activity view does not reconcile to my Statement download.
Product: Credit reporting

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under sections 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified, that I have disputed. Please resolve this matter as soon as possible. Thank you
Product: Credit reporting or other personal consumer reports

I woke up to find incorrect accounts listed on my credit report and Im completely baffled as to why this is happening. I regularly monitor my credit report, but this time, unexpected discrepancies appeared out of nowhere. I even tried refreshing the page, thinking it might just be a glitch, but nothing changed. The incorrect information is still there. Because of this, Im asking that the documents Ive sent are thoroughly reviewed so I dont have to go through this stressful situation again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX XXXX. I had some issues with my income being affected by the XXXX SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. AMERICAN HONDA FINANCE # XXXX account is reporting 30, DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Product: Checking or savings account

Two different XXXX  transactions were sent from my account and both amounts were sent to the same recipient. I do not know the person who my money was sent to. One for {$750.00} and another for {$1200.00}. The {$750.00} was sent on XX/XX/2022 and the {$1200.00} was sent on XX/XX/2022 to an individual named XXXX XXXX. I called Wells Fargo on XX/XX/2022, around noon, as these two transactions were never done by me. I spoke to a Wells Fargo representative who asked me questions and I made it clear to them that I never authorized these two transactions. Both transactions were done fraudulent. I never received a text alerting me thaXXXX XXXX  transactions were being done on my account, I never received a text message from Wells Fargo letting me know that a new recipient was added on my XXXX  contacts. I have text alerts on and never received one single message alerting me of what was happening on my account. This is fraud, the Wells Fargo representative closed my account and also opened a new account for me and after asking me the questions she needed to ask me she told me nothing else was needed on my end. On XX/XX/2022 I receive a letter from Wells Fargo advising me that both transaction were done by me or someone who had authorization on my account. The Wells Fargo letter is dated XX/XX/2022. I called on XX/XX/2022 and asked Wells Fargo to provide me with the evidence that led to their conclusion because I never authorized these transactions and I have also never authorized anyone access to my account. Wells Fargo representative had the audacity to ask me to provide evidence that this was not done by me. How can I provide evidence that this was not me if this was done as fraud. Money was take from my account and I do not know by who or how this was done without my consent or authorization. I asked the Wells Fargo representative to provide me with the evidence that led them to their conclusion that this was not done as fraud and to this date Wells Fargo has not been able to provide me with the documents that I requested.
Product: Credit card or prepaid card

After my husband passed away in XX/XX/XXXX, Citi Cards cancelled my Costco Visa card, although we have been Costco card members for 25 years. I applied for a card in my name ( as I was told to do ) but keep getting denied. I am XXXX years old and have perfect credit. In reply to my CFPB complaint, Case # XXXX, I got a letter from the " Citi Executive Response Team '' informing me that I could apply on or after XX/XX/XXXX. I applied today ( XX/XX/XXXX ) BUT WAS TURNED DOWN AGAIN. I feel I am being treated badly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00}