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

This is a follow-up complaint against XXXX financial ( previous complaint # XXXX ). 

I was told that a supervisor would call me, and I have yet to speak with a supervisor. 

XXXX said they would remove the negative credit reporting. My credit history still reflects negative reporting from XXXX. Everytime I made a payment and while making additional payments to pay down my amount they would report that I needed to pay more the balance was not going down with the payments I continued to make. 
The amount continued to increase and not decrease. They always included extra fees and resons why I was paying money towardsXXXX told me to make payments ( amounted to $ XXXX ) during the forbearance ; after taking money from my 403b I paid XXXX  what I owed to become cureent. I called a representative she told me that I was current, The representative admitted she also heard the same call, and I then told her another representative told me they would not report my account negative and I was told they would listen to the call where the rep told me incorrect info about my account, they followed up and told me they no longer had any of those calls. Then I told them I would like to speak with a supervisor, and I was told the supervisor was out at lunch ( the call took place around XXXX in the evening ). I was told the supervisor would call me at XXXX XXXX, but I received no call. I have yet to receive a call or resolution. 

I still have no resolution, and XXXX  is not taking any accountability for their reps repeatedly misinforming me and taking my payments, and telling me I had to pay during the forbearance to become current on my loan. 

They took my money, promising me they were going to bring my account current and would not affect my credit. They also told me all of my money would go to cover my interest and payments and that I should make the payments which they did not. They paid taxes with the $ XXXX I gave them and not paid any of my previous payments. Please help. I've been going through this cycle with XXXX over a year without any resolution ; I'm never able to speak with the same rep. I can not move on in my life because they are reporting 3 months of missed payments. They confirmed that their reps lied to me and are unwilling to follow up with me. They have not removed the negative reporting even though they confirmed they heard a recording where multiple people misinformed me and also confirmed my account should have reflected current, and they have the recordings and still haven't fixed my credit. Please help!!! I took all of my money from my 403b during the pandemic to secure my home for my family, and I am trying to move on, but XXXX is hindering me. 

I asked for a copy of my tax payments, escrow payments, homeowner insurance payments, communications from XXXX, and transcribed copies of the recording/conversations.
Product: Debt collection

PAYPAL " XXXX XXXX XXXX  '' offer. Purchase : XXXX. Item : XXXXXXXX XXXX XXXX. Total Amount charged : {$110.00}. 
Item was purchased on XXXX through Paypal which is authorized to charge a XXXX credit card. 
The item was not received. 
The USPS has verified nonreceipt in writing. 
Paypal continues to harass me for payment and demand USPS proof of nondelivery while making it impossible for me to provide such proof. 
Paypal 's method of online providing of proof will not work on my computer. 
Paypal refuses to provide a postal mailing address so I can provide proof. 
Paypal refuses to refund amounts wrongfully charged to me because it does not have the proof it has made impossible to provide.
Product: Checking or savings account

I want AMEX to set up a new username and password for me or to provide me with my existing login credentials so that I can access my AMEX XXXX XXXX XXXX account ending in XXXX. My login credentials to my savings account are apparently no longer valid. AMEXs website states that savings customers without an AMEX card need to create new AMEX login credentials to access savings accounts. Please see the attached XXXX I currently do not have an American Express credit card, as I closed my card in XXXX of XXXX. I do not remember my login credentials for my closed credit card. When I click on create Amex User Id & password for savings on the attached webpage and provide my social security number and date of birth, the AMEX website states Existing Login Found. Our records indicate that you already have an Amex login, please log in to access your Savings account. I do not know these credentials. My AMEX savings login credentials do not work when I attempt to login. When I try to reset my user id and password, the XXXX website states We are unable to process your request. Were sorry. Our systems are temporarily unavailable. Please try again later. I called AMEX twice on XX/XX/XXXX, over this issue. One representative from the AMEX credit card department advised me that my closed AMEX credit card is not linked to any login credentials. Another representative from the savings account department advised me that she was unable to access my username. We attempted to reset my login credentials several times. I am highly disappointed in AMEX. I can not tell you how frustrating it is to be unable to access a bank statement. This is particularly so when I received an email from AMEX stating that a bank statement was available. Please see the attached XXXX of the email. I have had this AMEX XXXX XXXX XXXX Account since XXXX. I have over {$26000.00} in this account. I have spent HOURS dealing with this. If this issue is not rectified forthwith, I will take my business elsewhere.
Product: Mortgage

In XX/XX/XXXX, I was released from my job with XXXX XXXX XXXX and XXXX XXXX. At that time, I took advantage of the COVID-19 relief and went into forbearance on my mortgage with Caliber Home Loan. In XX/XX/XXXX, my forbearance ended, and I attempted to take advantage of the loan modification process afforded to me. Caliber Home Loans continued until XX/XX/XXXX to delay this. They kept giving me incorrect information and making me file unneeded paperwork in what I now see as an attempt to secure an interest rate more advantageous to their company. Instead of calculating my modification at XX/XX/XXXX interest rates, it was done at XX/XX/XXXX interest rates, which is a significant disadvantage to me. I made the three months of trial payments and complained and asked for help through XXXX of XXXX ; at the end of that period, my loan was passed to XXXXXXXX XXXX, who finalized my modification. This issue is brought up every month with them on a phone call. They have yet to respond and give me the one-month grace period between the end of the trial payments, not to make a payment as I had been part of the modification deal with Caliber Home Loans. In the end, I have been required to pay every month, and now my payments are almost precisely what they were before the modification. 

Caliber Home Loans has a complete record of my calls and documents. 

I am asking : 1 ) My loan interest be adjusted to the interest rates of XX/XX/XXXX as they should have been when I requested the modification on the COVID-19 Forbearance program. 

2 ) I am granted the one-month grace between the accepted modification and the payments under the new rate beginning. 

3 ) My late fees be removed from my account with XXXX as I am behind due to unfair and underhanded practices by XXXX XXXX XXXX. 

Thank you,
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA XXXX ( XXXXXXXX XXXX  XXXX ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME XXXX XXXX DATE OPENED : XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Prepaid card

I did a transfer to my bank account and realized that it was bill pay and that in the state of Colorado they take the bank to bank transfer button off and bill pay is the only option. When I realized that the transfer might not go through within minutes I called customer support number on the ReliaCard from US Banks. I thought they were going to reverse it by XXXX on XX/XX/year>, but they did not. Called the next day and they said it is processed and I will receive the money within XXXX business days. After waiting I called my bank that it was to be sent to and they did not see any transfer hitting my account. I called US Bank ReliaCard and was transferred to a supervisor named XXXX. She stated they cut a check and it will be XXXX to XXXX more days and hung up on me. I believe Colorado Department of Labor and US Banks is running a scam as I never wanted to have to use this card and was forced to. I wanted it direct deposited to my bank to pay my bills instead of what looks like a scam bill pay system. I tried two checking accounts through the Colorado Department of Labor and it would not go through and others have had this same problem. I am forced using a card that I never wanted to use for unemployment benefits. I think ReliaCard, US Banks, and the Colorado Department of Labor needs to be Federally investigated for under the table deals and outright fraud and corruption. Im scared that my {$2000.00} is lost and US Banks outright lied to me multiple times and when caught the supervisor named XXXX states they sent out a check and it will be XXXX to XXXX more days and hangs up on me. This is the behavior of XXXX world banking and government corruption and its not acceptable in the United States and its citizens. Also, the Colorado Department of Labor was recently caught over charging employers a total of XXXX XXXX dollars with no accountability of what happened to that money. I believe there is rampant fraud and corruption within the highest ranks of the state of Colorado and US Banks.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear LVNV FUNDING LLC, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Missouri Revised Statutes Sections 570.223 and 570.224.

It has unequivocally come to my attention that LVNV FUNDING LLC has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Section 570.223, emphasizes the necessity of consumer consent for the use of personal identifying information. Furthermore, Section 570.224 establishes clear penalties for unauthorized use of such information. These laws underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for LVNV FUNDING LLC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that LVNV FUNDING LLC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 570.223 and 570.224 of the Missouri Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that LVNV FUNDING LLC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Product: Credit card

CapitalOne Bank advertisement is false and misleading. On XXXX, CapitalOne is stating that their Capital One ( R ) Platinum Credit Card has : Pay no annual feeGet access to a higher credit line after making your first 5 monthly payments on time Fraud coverage if your card is lost or stolenAfter 8 months of having a XXXX balance CapitalOne never increased my line of credit, even though I 've always paid the account in full every month and had no late payments. I feel that they bated me into signing up for their credit card and now they are switching the terms of the agreement.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. My account was closed for no reason and my money disappeared. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Hello, Plus Four continues to attempt to collect a debt that is not valid. I have contacted Plus Four to request a name of number of person I can verify debt with and they have failed to provide such. 

They also continue to provide this inaccurate information to both XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts that appear on my credit report, without any authorization, do not belong to me, they are hurting me, please check them. 

. Identity Theft NISSAN-INFINITI LT Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 - Disputed incoming collections account with transunions. Existing 5 year old debt was bought from previous debtor and reported as new. 

XX/XX/21 - Transunion verifies the incoming collection account as accurate. My attepts to contact them are unsuccessful. I am transferred several times before the line hangs up on me.
Product: Credit reporting

Any cards with XXXX XXXX are not mine. As of XXXX 2003, I was divorced. These belong to XXXX XXXX XXXX of XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My late payments are reporting inaccurate in XX/XX/XXXX and XXXX they are reporting on time but XXXX of XXXX and XXXX they are reporting 120 days late in XXXX and XXXX they are also reporting inaccurate how is this possible when its only 30 days in a month also Experian is reporting 11 late payments but XXXX  and XXXX  are only reporting 2 I have reached out to the credit bureau several times about this issue and always get the same results a update without any changes
Product: Credit reporting or other personal consumer reports

I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. 
I have disputed these inquiries with Equifax, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, Equifax has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that Equifax takes immediate and corrective action to address this issue in compliancewiththeFCRA. Attached you will also find my ID as proofofmyidentity
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A 30 DAY LATE ON MY CREDIT REPORT. I PAID ON XX/XX/2018 FOR THE AMOUNT OF XXXX IT WAS taken from my acoount. I called freedom mortgage. I spoke with a REPRESENTATIVE and they told me to email my supportive documents and a brief message and they should remove 30 day from my credit report. Freedom mortgage is starting that they never got my payment. I was told it never cleared from my bank. I have my online banking showing it was taken out. I did have two return checks but not for this amount. Then i was told i made a payment on XX/XX/2018 in the amount of XXXX. I never made a payment on XX/XX/2018 and never make a payment in the amount of XXXX.
Product: Student loan

I have moved out of the USA and have had a very difficult time managing my student loans. To make payments from overseas international accounts are not accepted. I have since opened an account in the USA. Due to family circumstances I have had to altar my repayment and even defer payment for a time. I borrowed {$28000.00} and despite making payments since 2008 I now owe {$36000.00} because the interest rates are astronomical. My mother is the cosigner and my father is XXXX, so she is unable to assist in repayment. I am worried about getting her into financial trouble, but am doing my best to fulfill my obligation, but I do n't see an end in sight. My only option at the moment is to extend my repayment period to lower my monthly payments and still that is not manageable. I 'm at my wits end trying to figure this out and to be honest quite XXXX and XXXX. If I had known or been better educated at the time of borrowing, I would have NEVER taken out a signature student loan. It was marketed as a friendly option to students and has been anything but and the biggest regret I have. I would have preferred to not have my XXXX XXXX degree then be stuck in this horrible contract.
Product: Credit reporting or other personal consumer reports

XXXX XXXXL/XXXX  Has violated many of my rights concerning my privacy and securities. 

Per 16 CFR 313 model privacy form. I have a right to opt out of the company sharing my personal and financial information.

Per 16 CFR 313.7 methods of opt out. I sent a written notice to the company of me reserving my rights verbal non verbal written non written.

15 Usc 6802 b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name XXXX XXXX XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number XXXX XXXX Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection XXXX Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX  Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

XXXX. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ). 

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.