23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have disputed incorrect and outdated items on my credit report with all three credit bureaus. There has been 17 negative items removed and yet my score has plummeted. There are still incorrect items in my report that also do not have matching dates with all three Credit bureaus and have shown me no proof of validation. There is currently a XXXX account on my report that I discovered over a month ago and had it closed with the company as it was not mine and also not one penny was borrowed from it. This account has drastically dropped my score preventing me from a purchase and affecting my business XXXX XXXX XXXX. My patience has run out and my intention is to seek legal action against the server for the XXXX account ( XXXX XXXX XXXX  ) and all three credit bureaus XXXX, Experian, XXXX for violating the Fair Credit Reporting act by not accurately reporting the removal of negative items, not providing validation of accounts or any details of adverse actions taken regarding my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I disputed an incorrect address on my credit report with Equifax again. 
The First time was XX/XX/year> this most recent time was in XX/XX/year> I persistently keep disputing this incorrect addresses because it does not belong to me and and Equifax refuses to remove it despite my numerous efforts of sending proof that the address reporting does not belong to me. They have refuse to correctly report my current address. I have sent proof of all verifying information requested of me such as : Driver License and Proof of Pay stub verifying that the address is not associated with me nor does it belong to me and they refuse to remove it. Equifax has ignored the evidence I have provided to them twice Once in XX/XX/year> and again in XX/XX/year>, They have also failed to investigate the accuracy of this address This deliberately goes against FCRA laws.
Product: Payday loan, title loan, personal loan, or advance loan

I was in the process of selling a property and we were in the closing process when my real estate agent found that they had put the same line for the same amount twice. We've contacted SPS Servicing because they are the tile company and told them about the issue. They have not done anything to resolve the issue, they keep telling us that they are reviewing the issue, but it seems like they don't care because this has been going on since the beginning of XXXX and it is now XXXX. I have had a lawyer reach out to them as I am still paying the mortgage on the property.
Product: Checking or savings account

On XX/XX/XXXX l received a wire transfer into my business account that was given pending status by XXXX XXXX XXXX XXXX XXXX. Subsequently being told my account was frozen for suspicious activity. I was asked to verify the nature of my business and to justify the usage of the funds designated by investors for staffing for donations to at risk youth in XXXX. After answering and providing documentation my account was subsequently froze and scheduled for closure. I was told the XXXX would be released on XX/XX/XXXX some 2 months away l shared that this was an injustice. With no favorable response to understand why my funds are not being released immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover XXXX XXXX XXXX, XXXX XXXX XXXX, Utah, XXXX You are in Direct Violation of The Fair Credit Reporting Act Discover it Credit Card # XXXX, has violated several of my rights. 

15 U.S.C 1681 section 802. A. Clearty states that I have the right to privacy.

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting can not furnish an account without my written instructions U.S.C 16608 : A creditor may not treat a payment on a credit card account open-end consumer credit plan as late for any purpose. 

Ramove these late payment and update this account immediately as you are in died violation of several laws under The Fair Credit Reporting Act
Product: Payday loan, title loan, or personal loan

I had taken out a loan for XXXX last XX/XX/XXXX and fell behind in payments. In XX/XX/XXXX. I filed a complaint and was given a payoff amout of XXXX. XXXX had said I had agreed when signing the loan to pay XXXX ( which I suppose with interest etc. would be accurate- but my loan was for XXXX- I never expected circumstances would prevent me from paying that off and having to pay the full XXXX ). XXXX told me the best deal he could make with me was XXXX, with a monthly payment of XXXX monthly from XX/XX/XXXX-XX/XX/XXXX. From XX/XX/XXXX through XX/XX/XXXX I paid XXXX a month consistently and on time, for a total of XXXX paid. Yet during this time I have continued to receive threatening letters with amounts that are not accurate. When I complain I am told to ignore them and all that I need to focus on is giving them XXXX a month from XX/XX/XXXX to XX/XX/XXXX. It is very difficult to trust and XX/XX/XXXX on paying this when threatened monthly with inaccurate information. In addition, I called recently as my employment status changed, along with a new car loan that I had to take on and supporting my XXXX daughter- and told them XXXX a month is no longer possible. XXXX, the man I call and pay monthly indicated he could stretch the loan out longer for about XXXX XXXX and something a month, then after conferring with XXXX ( the main boss ) I was told the best they could do was stretch it out by one month and I would owe XXXX a month, which is not possible. I just missed my XX/XX/XXXX payment ( first payment missed in 6 months ) and I am getting numerous phonecalls. Most troubling however is I got another letter recapping a broken promise. It has a past due amount of XXXX and is demanding payment in full. I am traumatized and baffled- if our promise was XXXX and I have paid XXXX the remaining balance is XXXX. If they accelerated it to the full XXXX - I still paid XXXX which leaves the balance at XXXX. Where is this XXXX coming from? The amount on the letter ( as always ) is confusing and misleading. anytime I call in the past- I am just told not to worry pay the XXXX until XX/XX/XXXX and I am fine. I can't continue to pay and blindly trust esp. when this amount per month is creating a financial hardship.
Product: Money transfer, virtual currency, or money service

I think the company is scamming me, I requested that they give me information about my case, send money to another account ( mine ) and they only tell me that the money has already been received, then they said that my bank rejected the transaction and today they told me again that the money had already been collected. 
I have researched this case and hundreds of people are going through the same thing. The company is ( Money Gram ). I remember that in one of the recorded calls, an assistant told me that my bank rejected the transaction, that they had nothing to do with it
Product: Money transfer, virtual currency, or money service

I received a call with person claiming to be a fraud rep from USAA & they said a wire transfer was being attempted to use my checking acct. They claimed to work with me on the phone to stop the wire transfer by authenticating/ conveying the 6 digit codes the USAA text thread that was sent. These codes I conveyed actually authorized the wire transfer to go through. I immediately contacted USAA wire dept the following am & they said they would try to recall the wire transfer. Now, my account was debited {$5000.00}, account frozen & am being placed on hold for cumulatively about XXXX hrs over the past several days. No one will talk with me or provide any information when I can get a rep / supervisor on the line.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX/XXXX credit account is showing 30-60 days delinquent which is not true. I had credit protection and have filed a claim with them on several occasion. Their incorrect reporting is both negligent and fraudulent. I am pursuing civil litigation on this matter.
Product: Mortgage

Freedom Mortgage has held payment on my account and has not applied toward my balance. Freedom Mortgage did not advise me of a escrow change to my account and has not applied my payment but has reported my account late to the Credit Reporting Agencies. I have contacted Freedom Mortgage 3 times to attempt to have this corrected.
Product: Debt collection

XX/XX/2022 AD ASTRA RECOVERY SERVIC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, KS XXXX This company has been sending me collection notices in the amount of {$1400.00}. This collection has been reported as past due balance. I do not know this company, nor have I ever done any business with this company. This company does NOT have a contract with my signature. Here are two other companies as well, reporting to my credit report. 
XX/XX/2022 XXXX XXXX XXXX Amount {$640.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MI XXXX XX/XX/2022 XXXX XXXX XXXXXXXX Amount {$370.00} XXXX XXXX XXXX XXXX MO XXXX I do NOT have a signed contract with any of these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX wont remove XXXX when I was approved by XXXX when I was approved a XXXX  discharge over a year ago.
Product: Credit card or prepaid card

Dear Representative, I am submitting a formal complaint about Capital One 's poor payment processing system that they have in place. According to the agent I spoke with on the phone, this has impacted several individuals. 

On the evening of XX/XX/XXXX, I was reviewing all of my credit cards to schedule future pay off payments. While doing so I noticed that my Capital One XXXX had charged me a late fee for a past due payment. The minimum payment was due on this day of XX/XX/XXXX, but it wasn't the end of the day and I had already paid on XX/XX/XXXX. In addition to that, I received a payment confirmation email ( see attached ) from the credit card stating that they've received my minimum payment due on XX/XX/XXXX. I logged into my Capital One XXXX and see that my payment was indeed posted on XX/XX/XXXX. The late fee was accessed around XXXX pm EST on this evening of XX/XX/XXXX. This caused my balance to go over my limit! 

This is obviously not right! I immediately called their toll free number on the back of my credit card : XXXX and the agents including their supervisor were not able to rectify the system glitch. They told me it will take XXXX business days for this to reverse. I am appalled and concerned this happened in the first place! 

Please see attached proof of my payment posting on their list of payment transactions and also an email confirmation from Capital One showing that they received my payment XXXX days ahead of the due date. 

I am also very very concerned that this will show up on my credit reports. I am trying really hard to clean up my credit to be able to purchase a home. PLEASE PLEASE HELP ME.
Product: Student loan

Aidvantage put me into administrative forbearance without my authorization after I completed my application for the SAVE plan. Prior to this, I was confirmed in Autopay and had a .25 % interest rate reduction benefit, as I am actively paying down my loans as quickly as possible. I have an email/documentation confirming this benefit from them on XX/XX/XXXX. When they put me into administrative forbearance without my authorization on XX/XX/XXXX, the interest rate reduction was eliminated and my loans were accruing interest at their established rates again. I called and emailed Aidvantage, and spoke with them regarding this, and they advised me they would remove the forbearance and put me back on Autopay to allow for the interest rate reduction since I did not authorize this forbearance. They put me back into repayment on XX/XX/XXXX, which I have documentation of. The very next day on XX/XX/XXXX, they put me back into forbearance and again revoked the autopay .25 % interest rate reduction. I have emails/documentation of all of these occurrences. I called again on XX/XX/XXXX to check on the status of my SAVE application and request a credit/refund for the additional interest that accrued during this time at fault of them putting me in administrative forbearance. I waited XXXX hours on hold before the Aidvantage employee told me she was going to open a case and I would be contacted later. Today, they notified me that my case is closed, stating, " Your loans were in an Administrative forbearance while your Saving on a Valuable Education ( SAVE ) plan was being processed. The forbearance ended on XX/XX/XXXX. Auto Pay, along with the 0.25 % interest rate reduction aren't active unless your loans are in a repayment status ; therefore, both were placed on hold while your loans were in forbearance. I apologize foe the confusion. 
Best Regards, XXXX, Loan Servicing Specialist Aidvantage - Official Servicer of Federal '' This has been an extremely unpleasant and frustrating experience. All of this has been done without my authorization, even after I took active steps to negate their unauthorized activity. I plan to notify as many governing bodies as possible to discuss Aidvantage 's negligence, unprofessionalism, and illegal activity.
Product: Credit card or prepaid card

I have been trying to take advantage of the 5 % back on travel booked through Chase XXXX ultimate rewards with their Chase Freedom credit card. The charge for travel was made by me on XXXX XXXX XXXX  through their Chase XXXX website, and only earned XXXX XXXX points. After calling the appropriate customer service number and speaking to representatives several times over the course of XXXX months, they finally issued me a paper statement that indicated I would be given the missing XXXX XXXX points on either the XXXX or XXXX statement. After checking my account in XXXX, nothing has happened yet, and when I called again the representative told me that nothing indicated that the issues was addressed or resolved.
Product: Checking or savings account

XX/XX/23, XXXX Discord XX/XX/23, XXXX XXXX XXXX Both times I contacted fraud department and disputed. Received new debit card. These debit cards have both been compromised on XXXX side. The XX/XX/XXXX charge was for a card Ive never used. They are not reporting a breach but it is very much appearing as if they have XXXX. This is an ABLE account which is for XXXX people and we dont have another bank option or Id leave this bank. Theyve placed a warning on their site about fraudulent streaming charges on cards that havent even been activated. Whats the point of activating if the card is being stolen and used before its even activated.
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 he 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.

Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act EFTA ) and Regulation EXXXX These actions XXXX caused significant inconvenience and XXXX financial loss, and 1 seek appropriate redress ( 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, 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 inancial loss, and I seek appropriate redress XXXX for these violations.
Product: Checking or savings account

I deposited {$4000.00} into my checking account with XXXX XXXX XXXX XXXX XXXX XXXX via electronic transfer. After a few days, I tried using my money and discovered my account had been frozen. I received an email saying that they were closing my account and that the decision was final. There was no explanation or reason given. They stated they would transfer my funds to the external bank linked to my account within 2 business days. It has now been 30 days and my account is still frozen and my funds have not been released. I called several times and they operator can not give me a reason for the account closure or any additional information. Their only answer is to wait up to 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX US DEPT ED XXXX Balance : {$3800.00} US DEPT ED XXXX Balance : {$540.00} US DEPT ED XXXX Balance : {$2500.00} US DEPT ED XXXX Balance : {$4900.00} US DEPT ED XXXX Balance : {$3100.00} US DEPT ED XXXX Balance : {$2300.00} US DEPT ED XXXX Balance : {$2500.00} US DEPT ED XXXX Balance : {$4900.00} US DEPT ED XXXX Balance : {$6000.00} US DEPT ED XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Through a former complaint filed against Rent Debt Automated Collections I determined that the company sent the notice of my debt to my old address and failed to notify me on time of my debt to be able to make a payment plan before being sent as a default to my credit report. I moved out of XXXX XXXX XXXX XXXX XXXX IL and disputed additional charges with my landlord. Rather than giving me the opportunity to negotiate they sent the questioned debt to collections who failed to notify me at my next residence. The debt collector failed to send me info to my next residence or contact me on the phone. I feel I was not given adequate notice about making a payment plan before it went into default. I would like to contest this delinquent status. I have paid off the debt with company earlier than requested for my payment plan. Had I been contacted correctly this issue could have been avoided and not impacted my credit report. Now I am being negatively affected for a debt I was not communicated to efficiently about. I would like this default to be removed from my report.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove 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 ) you are required to remove any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX : {$6200.00} ; XXXX XXXXXXXX XXXX XXXX XXXX : {$6100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$260.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several hard inquiries listed on my credit report, which I reviewed on XX/XX/year>. I have found that these inquiries do not appear to have a permissible purpose as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

Under the FCRA, specifically 15 U.S.C. 1681b, a consumer reporting agency may only report inquiries that are made for a permissible purpose. If no permissible purpose exists, the inquiry should not appear on my credit report. 

The following hard inquiries are in question : XXXX XXXX - Inquiry Date : XX/XX/year> XXXX XXXX - Inquiry Date : XX/XX/year> XXXX XXXXXXXX XXXX XXXX - Date : XX/XX/year> XXXXXXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/year>XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/year>XXXX XXXX XXXX XXXX  - Inquiry Date : XX/XX/year> XXXX XXXX XXXX - Inquiry Date : XX/XX/year> XXXX XXXX XXXX - Inquiry Date : XX/XX/year> I request that you investigate these inquiries and remove the above inquiries as they do not have a permissible purpose as outlined in 15 U.S.C. 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

All credit reporting agencies are missing monthly status reporting history from over 48 student loan accounts, credit cards and missing correct address information and its not producing a credit score even when viewing with credit freeze code and/or temp lift to view report.
Product: Credit card or prepaid card

Without prior notice Synchrony Bank closed all my established Credit Cards. 
XXXX XXXX XXXX XXXX XXXX, FL. XXXX Many of which I paid either in full when I used them, or paid more than the minimum payment more than twice a month. 

Many of my cards had less than 30 % utilization. All paid on time for years. 

The closure with balances negatively affected my credit score.  They CLOSED ALL without warning without a letter, without a valid reason telling me I was a risk because of something on my credit file and there is nothing negative after the Chapter XXXX that was discharged in XX/XX/2015, 5 yrs ago. 

- Paypal Master Card - Cheveron Gas Card - Chevron Visa Card - Ashley Furniture All this made my debt to available credit ratio go down negatively affecting my credit worthiness in violation of the TILA and FCRA. 

They appear to have done this to multiple customers and many of my on time accounts. 

this is not fair - I have worked hard to rebuild my credit and this will affect everything else since it brings down my debt/credit ratio.
Product: Debt collection

Kauntey Mediation Services left a robo message on my cell number to call regarding a case. My next door neighbor also rec 'd the same call FOR ME. My boyfriend also rec 'd the same call FOR ME. These calls came from a XXXX phone number and left a message to call XXXX. They called my cell and my boyfriends number again today. I do not know what they are calling about as they have hung up on me every tried to call to get the company name and physical address. I want to mail a letter asking them not to call my neighbors or my boyfriend as I have never entered into financial arrangements with either of them. They are refusing to give me any information. My neighbors are elderly and the call scared them. I want these types of organization shut down. It is beyond ridiculous that a neighbor is even getting a call. My bf and I can handle scammers but the elder can't.