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

PLEASE CHECK THE INFORMAYION CONCERNING THE EQUIFAX DATA BREACH BELOW IN ATTACHMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. 

We had 5 credit card accounts. Our credit report shows " no late payments '' " ever '' until XXXX or XXXX XXXX. 

We took out Chapter XXXX Bankruptcy on XXXX XXXX XXXX. All payments were current. We were told the trustee would pay the cards and no further interest would be charged. We took out Chapter XXXX to hopefully settle some things on our house. Every bill we had was current and paid to date. Again, there is continued perfect history on our vehicles, electric payments, insurance, etc. 

As soon as we filed the bankruptcy paper, our credit cards closed the account. In addition, as we find out two years later, the credit card companies immediately sold the debt to collection companies for pennies on the dollar. It was not to collect for them as the trustee would have been paying them for the next 5 years. 

After settling on the house, we withdrew from the bankruptcy. We saw XXXX XXXX checking our credit. Then we started getting calls from them. They said they were collecting for the credit card companies. We settled 3 of the accounts as agreed and were doing payments of the other two for 5 years. 

Every month, portfolio as a collection agency, is stating that a late payment is received and reporting it on XXXX 's credit report. They also reported my payments to them when paid in full as late. 

Our insurance company on our house told us we were a poor risk and raised our premiums because we made late payments to a collection agency. 

Attached are a viewing of XXXX and XXXX payments that they automatically take from our bank account. Again, we receive and the credit report shows that the payment is late. 

XXXX XXXX is a debt buyer not a collection agency. They are destroying our credit history by reporting it late and that " we were sent '' to collections. AGAIN THIS IS WRONG. They bought the debt -- period. Now they continue to ruin our credit by false reporting even though they are getting paid every month on time as they agreed. 

We do n't think they should be allowed to report payments this way and ruin our credit.
Product: Vehicle loan or lease

I submitted a cashier 's check for {$16000.00}, made payable to Santander Consumer USA to be applied as a full payout for my vehicle ( XXXX XXXX XXXX XXXX  ) which was financed by the above-mentioned company. This company has promised over and over again that the title of the vehicle will be sent to me, but to no avail. Each time I contact the company, I have received a different story, and/or no replies to my emails. I have documented proof via email communications that can prove all of the items in this complaint. This company is essentially retaining the title to my vehicle for no reason, as the vehicle has been completely paid off I sincerely hope that you can intervene and please help me. The various " resolution specialists '' at Santander Consumer USA have told me " I'm working on it ''. " I can't answer that question for you ''. " I will escalate your case. '' " That is not my department ''. " I am the only person that you can speak to. '' " We can not provide tracking information for you for anything that is sent via mail. '' " We will XXXX  your reimbursement check. '' The excuses go on, and on, and on.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

I am trying to submit a claim against wells fargo for bad business practices and incorrect fees
Product: Credit reporting, credit repair services, or other personal consumer reports

approximately a year ago, when the data breach at XXXX  occured, i reached out per best guidance to the credit agencies.

transunion somehow slipped me into a monthly payment program which i have been unable to get out of due to no one ever answering their XXXX XXXX phones. i've placed several calls to several numbers related to transunion and have given up at the 30-60min mark of being on hold. i never opted into any program, nor did i ever provide bank information for payment to occur, yet somehow my checking account is being drafted with no stop in sight. i'll be contacting my bank to stop payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX # XXXX # XXXX # XXXX have violated my rights 15 u.s.c 1681 section 604A section 2 also states a consumer reporting agency can not furnish a account without my written instruction 15 u.s.c 1681 section 602A states I have the right to privacy
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX XX/XX/2025 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Regarding Inaccurate Reporting by XXXX Dear CFPB Representative, I am writing to formally dispute the accuracy of the information being reported on my credit file regarding my account with XXXX. Despite my diligent efforts to address and resolve this issue, XXXX has failed to provide verifiable evidence supporting the late payments they continue to report. This misinformation has caused substantial harm to my creditworthiness and financial stability. 

I took the proper steps to dispute the reported late payments and requested a thorough investigation from XXXX. However, during my communication with their representatives over the phone, I was informed that they are unable to verify the accuracy of the reported late payments. They admitted that their records are limited to basic account summaries and statements, and they lack the necessary documentation or systems to conduct a full investigation. Despite this, the incorrect information remains on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), creditors are required to ensure that the information they report is accurate and verifiable. If they can not verify the accuracy of the information, it must be promptly removed from my credit report. XXXX failure to meet these standards is a clear violation of my rights as a consumer. 

The continued reporting of these inaccuracies has significantly impacted my life by : Hindering my ability to secure employment, particularly for positions that require comprehensive background checks. 
Preventing me from obtaining a mortgage to provide a stable home for my family. 
Limiting my ability to access future credit opportunities to rebuild my financial stability. 

As a dedicated professional employed with XXXX XXXX and XXXX XXXX and the primary provider for my wife and young daughter, these inaccuracies create unnecessary and unfair obstacles for my family and my career aspirations, including my upcoming training at the XXXX XXXX in XX/XX/2025. 

I respectfully request that the CFPB : XXXX. Investigate XXXX XXXX XXXX properly investigate my dispute and verify the accuracy of the reported information. 
XXXX. Require XXXX to provide concrete evidence supporting the reported late payments or delete the unverifiable information from my credit report immediately. 
XXXX. Ensure that XXXX complies with FCRA standards to protect consumers from the consequences of inaccurate reporting. 

Enclosed, I have included copies of my written dispute, any correspondence with XXXX XXXX and additional supporting documentation. 

Thank you for your attention to this matter. I trust that the CFPB will take appropriate action to ensure this matter is resolved fairly and that my rights as a consumer are upheld. 

Sincerely, XXXX XXXX XXXX XXXX
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 tak timely and effective measures to prevent ar address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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
Product: Mortgage

I work on straight commission. At the beginning of 2015 I had several months in a row with no income, because sales were down with the economy. My loan was formerly with XXXX and they sold the loan to Wells Fargo. I asked Wells Fargo for assistance being that I was a couple of months behind on my payment and they said they could only help me if I stopped making my mortgage payment. I took their bad advice and missed another payment and after applying multiple times and being told that they never got my application, or they lost my documents, they finally told me the only thing they could give me was a repayment plan. They proceeded to raise my payment from {$1200.00} a month to over {$1600.00} a month. I asked them how this was suppose to help me and if I was having a hard time paying {$1200.00} how they could justify asking me to pay more. I asked them how this is suppose to ease my hardship. They told me I had no other choice unless I wanted to short sell the house or do a deed in lieu. I explained that I wanted to keep my house, not give it away. Reluctantly, I had to borrow money from my retirement just to make the first payment and then predictably, I could not afford any of the payments after that. I was so worried about Wells Fargo trying to foreclose that I hired a law firm to try to reason with them. I am in a real hardship. I could not have anticipated that my job would slow down so much. My mortgage is 34.51 % of my income, so I meet the federal criteria. From what I 've been told the Obama administration has said any interest rate above 6 % is considered a predatory loan. I am at a ridiculous 9 %. It was at 9.5 % when they gave me a modification 2 years ago, so the bank did not really help me last time. I am not asking for charity. I am just asking for a decent interest rate that is not double the national average and to be able to keep my home. Please investigate my file with Wells Fargo and you will see I have provided every document and meet all the Federal criteria. From what I understand Wells Fargo was fined a lot of money by the Dept of Justice already, but it must not have been enough to act as a deterrent because they are still targeting minorities like me who they believe are not educated enough to fight for their homes. Please, whoever is reading this, help me save my home. I am a good person who has just fallen on hard times. I believe this is why these programs were created, but Wells Fargo has done nothing but thwart my efforts every step of the way. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX : WELLS FARGO
Product: Student loan

In XXXX, a Sallie Mae advisor advised me, that Sallie Mae loans came with income driven repayment plans. Due to this verbal quote, I decided to use Sallie Mae, in addition to my federal loans, for XXXX. Apparently, during this time, Sallie Mae was associated with XXXX ... I 'm sure you know where this is going. 
Once I graduated in XXXX XXXX, I was applying to between XXXX jobs daily. I was turning up short. In order to stay afloat, I was XXXX but after paying for living expenses, I was tapped out. Six months after graduation, Sallie Mae reached out to me to pay up. I was able to " forebear '' the loan for a couple of months, but the way it was explained to me was that it was deferred. I had deferred my federal loans, due to my low income, so the way that the forbearance was explained ; it seemed almost exactly the same. 
Several months went by, I think it was XXXX or XXXX XXXX when Sallie Mae reached back out to me, and insisted that I start paying the XXXX dollar a month loans. I just did n't have it ; honestly, I did n't have it until XXXX XXXX. I fought with Sallie Mae to get the income driven repayment plan that was verbally quoted to me in the beginning of my start in college. Apparently, this did n't exist. It took several months of fighting with Sallie Mae to get the minimum amount due down to a doable amount. I had confided in my parents to help with the loans, and when my mother had agreed to help me pay back this loan, Sallie Mae would n't take her checking account, because it was n't in my name. It was already hard enough, asking my low income XXXX mother for help, and then when she agreed, they would n't take her information!! Because of this, my mother and I had to go and open a joint checking account, just to please Sallie Mae. Since this all happened, we 've consistently been paying the monthly payments and the account is current. 
During the negotiating time with Sallie Mae, they reported to the Credit Reporting agencies that my account was delinquent and this has drastically affected my credit score. My credit was fantastic and I always paid my bills on time. I knew that I would n't be able to pay the amount that Sallie Mae had been forcing me to pay up at that time, that 's why I had tried negotiating, which actually did work, the monthly payment was lowered. 
When I reached out to Sallie Mae credit dispute department a month or so ago, I basically said in the letter, that the marks on my credit were due to both my non-payment, but also their misrepresenting themselves to young and naive college students. These marks on my credit are based off of lies, which is fraud, a criminal offense. All I ask is for the marks to be removed, I 'm not threatening legal action at this time, but if necessary, I will.
Product: Debt collection

ON COMPLAINT NUMBER XXXX XXXX XXXX XXXX DID NOT PROVIDE PROOF OF AN ALLEGED CLAIM. ACCORDING TO RESPA THE MORTGAGE COMPANY NEVER DISCLOSED TO ME THAT I WERE PARTY TO AN INVESTMENT CONTRACT.. IT CLEARLY SAYS ON THE LETTER ATTACHED FROM XXXX XXXX XXXX UNDER THE TRUTH IN LENDING ACT " THE AMOUNT OF CREDIT PROVIDED TO YOU OR OWN YOUR BEHALF WHICH MEANS I CREDATED THE DEBT. I CREATED THE DEBT 15 USC 1692 ( A ) ( 4 ) .THEY DID NOT SHOW THE FULL ACCOUNTING RECORDS ACCORDING TO ( GAAP ) THAT I ASKED FOR. THEY DID NOT PROVIDE ME WITH THOSE RECORDS BECAUSE THE COMPANY IS A FRAUD. XXXX XXXX XXXX WAS A THIRD PARTY TO THIS DEBT I CREATED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is still reporting negative remarks on my credit report. I have contacted XXXX, I have contacted Experian. I still have the same results. That account is in litigation due to predatory lending and this account needs to be removed.
Product: Debt collection

XXXX took my insurance card. Asked how injury happened. I said at work. the hospital attempted to collect from workmans compensation, without a claim filed. The hospital set a collection agency after me immediately. I told debt collector i would sue. Appears i now have to since it sits on my report falsely. I also lost my health insurance for 60 days because of this false workmans compensation claim. simonagency stopped hassling me, but here sits the fraud.
Product: Student loan

I was eligible for forgiveness but there a very few non for profit XXXX left which makes it impossible to take advantage of thos. I've been paying for over 20 yrs now. As a XXXXXXXX XXXX I fall under the provision. My loans were sold without my knowledge and that is hampering getting help as.well. Any help would be appreciated. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a live single human being typing this narrative! In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Have 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 an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, any 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 the information is inaccurate.

These accounts are reported as verified however In 15 U.S. Code 1681a - Definitions ; rules of construction it states ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

According to the FCRA, the consumer credit bureaus are to conduct a proper investigation by interviewing my friends, family, and associates in regards to my credit information and verifying it as accurate, this was never conducted which is another violation. 

The accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Are illegally reporting as a C or CO for collection and charge off on my credit report. 
I have named at least 5 violations the credit bureaus have made on my account. I have attached the images in this complaint. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX this account is reported as closed but still on my credit report reporting as a C which is illegal, this needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did n't protect itself against hacking and now all my personal information is out in the wild. My credit and personal finances are at risk.
Product: Debt collection

I recently had ( XXXX ) American Express Credit Cards Accounts XXXX, XXXX, XXXX. I've had my longest account with American Express XXXX XXXXXXXX since about XXXX with perfect payment history. I obtained 2 more American Express Credit Cards **** XXXX with {$10000.00} credit limit & XXXX XXXX with {$10000.00} limit. On or around the time of XX/XX/XXXX my credit line was decreased on Credit Card XXXX XXXXXXXX from {$12000.00} to {$5500.00} to {$3300.00} which would put me at almost 100 % utilization on that card. When I called and questioned American Express about the unwarranted decrease in my credit line I was told by a representative that it was because I stopped paying my other credit cards balance in full/ larger amount payments on cards XXXX & XXXX XXXX. Then in XX/XX/XXXX my credit line was decrease on XXXX XXXXXXXX XXXX  from $ XXXX - {$9000.00} on this account which would also put it at 100 % utilization. This process was also done on card XXXX XXXXXXXX in XX/XX/XXXX and again XX/XX/XXXX going from {$10000.00} to {$7000.00} to {$6000.00}. After I noticed there fraudulent tactics and harassing behavior I reported them to the CFPB to hopefully find remedy and none was given. My Credit Score taken a very hard hit decreasing of almost XXXX points. The most drastic thing they did after I reported them to the CFPB was that they closed all my accounts and also have added a collection on my credit profile.
Product: Mortgage

I have paid over {$5000.00} in Interest for XXXX and they are Stating on the Form XXXX that I only paid {$1100.00}. I called and asked them to correct the form since it was not correct. They would not correct because they say I prepaid XXXX XXXX. Does not make sense since I paid the interest in XXXX and the mortgage company took the interest in XXXX. 

they are fraudulently stating information to the IRS. 

Please put a stop to what they are doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX