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

I have been unemployed since XX/XX/XXXX due to the pandemic. I was able to make my lease payment thankfully in XXXX with Ford Motor Credit. Unfortunately, since I havent had any income coming in, I wanted to reach out to Ford to defer my payments for few months. When I called them to ask for help, they advised me that Id be charged {$200.00} per deferred payment. My payment is {$680.00} and the fee is is a whopping 30 % of my car note which is beyond crazy. Every other creditor that Ive called was able to defer my payments without any fees. I tried to reason with them and explain my situation as many other affected people, but unfortunately they were no help. The representative told me that I was the million and 2nd person that called and said the same thing. I was shocked as so many other people are affected and were treated with this type of predatory fees.
Product: Credit reporting or other personal consumer reports

On XX/XX/ I filed a complaint with CFPB that all my credit information has been blocked by Experian I said they are blackmailing me to pay them to build my credit even though I have had 20 different loans and credit cards over 27 years all with perfect history never missing a payment 100 % pay on time platinum level XXXX score!!! 

Experian has now allowed my credit accounts to be seen again but they are still blocking my score i was XXXX score and they telling me to pay them XXXXXXXX XXXX  a month to report my rent and utilities this in know way is legal or descriptive of my payment history like the XXXX I have borrowed and payed back without missing a single payment to a XXXX XXXX XXXX  over a term of 27 years!!! 

Experian says because I payed my account balances off none of this counts anymore plus Experian is now blocking me from buying a house because all three scores are needed to get a mortgage I am demanding my XXXX score be returned immediately!!!
Product: Student loan

I was contacted by Premier Student Loan Center and they told me that they would consolidate my loans and forgive them after I paid them {$200.00} for the first 6 months and then an additional {$30.00} a month for 240 months. The XXXX dollars being for filing paperwork and the XXXX dollars a month would go toward my loan. I have checked with my loan servicer and my loan amount has not changed. Then I called Premier and they tell me that the monthly fee is for their paperwork services and that I'm not paying my loan down through them at all. I was lied to and I want my money back.
Product: Vehicle loan or lease

Since XX/XX/XXXX, I have made my monthly payment on time and generally round up my payment ( sometimes by cents and sometimes by dollars ) for the extra to go towards my unpaid principal balance ( XXXX ). A few months ago ( mysteriously I can not find the message in their history ) I noticed that instead of applying extra towards XXXX, they were just holding it. So instead of reducing my XXXX and the amount I have to pay in interest over the life of the loan, they just hold my money. This is abusive. I sent a message asking to have that extra money applied to XXXX and explained that is why I send extra. Toyota then applied it, but they didn't backdate it. 

Fast forward to XX/XX/XXXX and I noticed they were holding my money again. I sent a message requesting the exact same thing as before, letting them know I've never seen a company not let someone pay extra to XXXX *with* the payment. To pay extra XXXX, I would have to go to a different screen and the minimum is {$5.00}. Nowhere in my contract does it say I can not make less than a {$5.00} XXXX payment that I could find. 

Today I logged in and someone reversed my ENTIRE payment and put it to XXXX, when I only asked to have the additional funds put towards my balance. Who thinks I would want an entire payment reversed, causing me to be past due? So to my surprise today, XX/XX/XXXX, I am suddenly due for 2 payments and considered past due. Now this could potentially affect my credit, and again my money is not being applied correctly. So I am being forced to pay additional interest in the long run, and they won't let me round up my payment. This is completely unfair and lets Toyota take more of my money in the long run.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  have been notified as well as Exter Finance of the XXXX  accounts that were opened in my name XXXX XXXX and Exeter XX/XX/2023. They both were unrespknsive of the fraudulent report that its debt collector XXXX from XXXX XXXX XXXX had informed me that they will send out within 7-10 business days. It is an unfair act to have to pay for a fraudulent act of service in which my personal information was stolen and used in multiple data breaches and also at auto dealerships to obtain goods and services in which I had no knowledge about until I inquired. Exeter finance rep was asked to present signature with my name and joint account holders name in which they were responsive and was asked to send photo of docs and signature in which the sent docs with signature and no Id. The signature was not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple addresses that are incorrect are reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX   XXXX XXXX, FL XXXX
Product: Debt collection

Pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. I sent a Certified Collection Validation Letter to ERC on XXXX XXXX, 2016. As of XXXX XXXX, 2016. They did not reply to my request therefore this account should be removed from all XXXX credit bureaus. The told the bureaus it was valid however they refused to provide proof. 

As a result the account should have been removed.
Product: Debt collection

On XX/XX/1023, PennCredit, a Pennsylvania Corporation, contacted me via US Mail in Arizona in an attempt to collect a debt I do NOT owe. 

PennCredit Corporation is NOT registered to conduct business in Arizona. Arizona law requires foreign ( ie, out of state ) corporations that transact business in the state to register with the Arizona Corporation Commission and obtain a Certificate of Authority before engaging in business activities. Therefore, PennCredit Corp is operating unlawfully in Arizona. 

I responded to PennCredit via email on XX/XX/XXXX to 1 ) notify the company that it is operating unlawfully in Arizona, and 2 ) to dispute the debt the company claims I own. 

To date, I have received NO response from PennCredit Corporation. 

The Arizona statute requiring corporations to register with the Arizona Corporation Commission and obtain a certificate of authority is found in XXXX XXXX XXXX XXXX, Article 1 of the Arizona Revised Statutes. The specific section that addresses this requirement i

s A.R.S. 10-1501. A.R.S. 10-1501 states that " a foreign corporation may not transact business in this state until it obtains a certificate of authority from th
e commission. '' The section goes on to define " transacting business '' to include " any entry into this state to carry on any part of its business, '' " any internal affairs proceedings, '' and " any other act which may constitute doing business. '' Therefore, if a corporation wishes to conduct business in Arizona, it must obtain a certificate of authority from the Arizona Corporation Commission before doing so. 

Since PennCredit Corporation is NOT registered and does NOT have a Certificate of Authority with the ACC, it is unlawfully operating its business in Arizona ( and probably many other states as well ) by attempting to collect alleged debts from persons in Arizona. 

Note that every US state has a similar law that requires all foreign corporations register with? Usually ) the Office of the Secretary of State in that particular state.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts on my credit report, and I have no clue how they got there. I always check my report, and this time, these errors just appeared out of nowhere. I tried refreshing my browser, hoping it was some glitch, but unfortunately, it wasnt. The incorrect accounts remained after I refreshed, which is really frustrating. I need the documents I sent to be reviewed carefully so I can stop worrying about this ever happening again.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to an adequate 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, theyre dispute. Resolution process was unfair and deceptive, as they did not comply with error resolution requirements, under the Electronic Funds Transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you can see on the attached photo from US Banks app, I am supposed to receive XXXX annual bonus miles to XXXX XXXX if I spent more than {$15000.00} in the year of XXXX. Ive spent about {$26000.00}. ( including about {$3200.00} canceled reservation/credit, dated, XXXX ) And also XXXX tickets of XXXX XXXX XXXX XXXX 
However, I still have not received any of them. I should have received the XXXX bonus miles latest by XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have An XXXX and every time I go to fill out an application for one of there XXXX credit cards There continuously sending me back a denied letter based off information thats not even in Any Of My Credit report theyre literally using the same Credit information from like two years ago exact same credit report that I had two years ago I worked on my report and got everything in there fixed
Product: Credit reporting or other personal consumer reports

The Unfair credit reporting Act state that these inquiries are unfair and unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: 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. 

XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax and experience all those companies right there mess me up I was trying to buy a house and I know I had a XXXX score and they keep saying that they didn't investigation they didn't do no investigation to people doing a lot of lying and they data breached all my stuff from all three credit bureaus have data breach problems my score has phenomenally dropped down to basically XXXX if you could fix that get that stuff I want the correct information I want my signatures I want to see my signature and all these contracts I want verification on every single thing because they're not doing their job I appreciate it very much thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing because my credit report indicates a late payment 30-60 days  past due for my Capital One account. 

In XX/XX/2018 I overpaid my credit card bill because I was unaware that the automatic payment would still draft my account after I scheduled a manual payment prior to the due date. It was never my intention to overpay the credit card or make two credit card payments in a single month. But for the overpayment, Id have an excellent repayment history. On XX/XX/2018, I called and spoke with two individuals concerning the automatic payment taking {$180.00} more than was due since I made a payment several days prior. It was at this time that I was informed that the automatic payment system does not reduce the draft amount based on manual payments made in the system. During my call, I requested the overpayment to be returned to me by ACH or by check. I was told the overpayment could not returned to me and that I would have to contact my bank to request that the payment be returned. Prior to this incident I had not failed to make any payments on my account. Based on what I was told by the Capital One customer service associate, I contacted my bank to have the overpayment returned to me. It is deceitful and unfair for your customer service associates to advise customers to return the overpayment through the bank without any notice that it would have an adverse impact on the account. I would not have contacted my bank if I would have been properly informed of what would occur and the negative effect to my account. Instead I follow the advice of your representative and now I am the one being penalized based on the inaccurate and terrible advice that I was provided. 

I truly believe that this one incident does not reflect my creditworthiness and my commitment to repaying my debts. I am requesting that this situation be reviewed and my calls from XX/XX/XXXX listened to in order to confirm what occurred in XX/XX/2018. I would truly appreciate an adjustment to remove the late payment that was reported to all credit bureaus for XX/XX/2018. 

Thank you for your consideration and I hope you approve my request to have the late payment reported in XX/XX/2018 to all credit bureaus removed.
Product: Credit reporting or other personal consumer reports

I Cleary asked for The company to provide the XXXX compliance disclosure on reporting transactions to a consumer reporting agency and they did not. 

COMMUNITY LOAN SERVICING is in violation of the FCRA and XXXX Compliance for reporting transactions to a consumer reporting agency. 

Notice Of Litigation ( Please See Attached Files ) Hard Copy of this notice was sent in the mail to : Community Loan Servicing , LLC, Customer Support, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, FL 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

The company has been calling my phone daily for nearly two weeks now. NO PAYMENT IS DUE UNTIL XX/XX/XXXX. Today, they began calling my sister. 

They ( XXXX XXXX ) have no fax number OR email to send a cease and desist. 

I have significant health problems and they are making me much worse.
Product: Debt collection

XXXX  XXXX XX/XX/XXXX XXXX XXXX CAPITAL ONE BANK USA N A XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I have a Citi Best Buy Visa Credit Card. 

On XX/XX/XXXX, I purchased an item for an amount of {$760.00}.

On XX/XX/XXXX, Citi issued me a Credit Card Statement with a due date of XX/XX/XXXX with a balance of {$760.00} with Minimum Payment of {$27.00}.

On XX/XX/XXXX, I returned the item to the original store for a full refund of {$760.00}.

On XX/XX/XXXX, Citi issued me a new Credit Card Statement with a Late Fee of {$27.00} and blocked my Credit Card. 

I called the Credit Card Customer Service XXXX. I explained the situation. The representative was able to access my account. But they said they can not do anything until I pay the Late Fee of {$27.00}.
Product: Bank account or service

I went to chase bank on XXXX/XXXX/2015, I made a cash deposit for {$5000.00} cash. I did not bring my bank card but I gave my California ID to the teller. I filled out the deposit slip. 
But on XXXX XXXX, 2015 I checked my balance online and I noticed the deposit never made it to my account. By this point I did lose my receipt. I went back to the bank and asked one of the cashers to check my deposit and she said I had never deposited the {$5000.00}. When I asked to talk with their assistant manager she did not appear to give me any support to do so. She then said was going to check later and promised to call me but she never did. The next morning I sent my wife to give them my business card and tell the manger that I really needed her to call me. XXXX hours later the branch manager called me and said they looked in the system and could not find anything. So now I went back on the XXXX/XXXX/2015 to talk again with the assistant manager and she told me they spent a lot of time and did not have any record that I was there and made the deposit on that date. I told her I would come back on XXXX XXXX, 2015 to give her 3 more days to check, but I went to the bank today XXXX/XXXX/2015 to try to fill out a deposit of just {$20.00} so I could see if they put the money in a wrong account. To my surprise, not only could I not do the deposit, the teller also told me that they have XXXX XXXX in the system and did not know which one I was because I did not exist in their system. Even though I had my ID with me. I told him I wanted to talk with the manager and waited for her. When she talked with me I told her what had just happened and I asked why now that I 'm just depositing {$20.00} they could n't find me in the system? But when I brought my {$5000.00} it was not a problem. She looked in the computer and said they had no record of my account with the Chase bank, but I have a bank card. Then she later said they found me and I noticed they had the wrong social security number in the computer and she fixed it and confirmed I was in the system. I asked for the bank manager to give me the regional managers number and she told me that they did not have it. Then she just asked for my email and she was going to send him an email with my information. It is weird to me that they have a supervisor and do n't have not her number or her information to give to me. I am no longer comfortable with the way this particular branch is handling my money, and I fear that they are tampering with my information in the system.
Product: Credit card or prepaid card

In early XX/XX/2018 I called the Discover XXXX number to speak with a customer service representative. I inquired on the steps I would need to take to request an increase in credit since I had made all payments on time each month for the past year. I currently had a limit of {$200.00} ( that I had paid for a year ago ) and was told that I would need to show {$2300.00} in my bank account in order to request the max limit of {$2500.00}. This CSA told me that Discover would withdraw the funds from my account and return within 8 business days after the credit limit increase was completed. I waited a few weeks to call back and complete the application over the phone. The second CSA told me the same information, that I would receive a check in the mail within 8 days to refund me not only the {$200.00} I previously paid a year ago but also the {$2300.00} that would then be withdrawn from my checking account if I am approved for the increase. She then asked me many questions and submitted my request. I was approved for the max amount and was excited to receive this increase as I was in the process of building my credit. This limit increase from Discover definitely increased my credit FICO score and I was happy with my decision. I waited a few weeks for my {$2500.00} check from Discover to arrive. I had not received it so I contacted their customer service line for a 3rd time. This CSA encouraged me to be patient and made it very clear that my {$2500.00} check was on its way. I then waited an additional few weeks to all back again. This time, the CSA informed me that I've been given false information by previous reps and that I would need to wait a full year for my account to graduate to an unsecured card or either close my account and then the check would be sent to me. Her manager also reiterated the same thing. I declined because I had no reason to close this credit card account and have to endure a major credit score drop. I was extremely mislead and and deceived by Discover CSA 's. I reached out to corporate a few days later to file a complaint. The account manager informed me that he would need to investigate the previous calls and get back to me on how to proceed. I finally spoke with this same guy after two weeks. He admits to me that he listened to the calls I had with the CSA agents and confirmed that I was given false information and that I would not get my money back. He offered me a {$100.00} credit to the account and said that he would be sure that these agents received coaching to be made aware of the processes and guidelines that Discover has. I declined the credit and informed him that I would escalate matters. I truly hope that the Federal Trade Commission resolves this issue and has Discover send me my {$2500.00} back instead of keeping my money. I have been completely mislead into requesting this increase and am not ok with them keeping my money.
Product: Mortgage

On XXXX of XXXX I purchased a home and was financed by XXXX XXXX, the loan was then transferred to Wachovia bank under the same account number until XXXX, and at all times the payments were reported to the credit report agencies in paid and never late status until XXXX, when the loan thereafter was transferred to Wells Fargo Mortgage, wells Fargo changed the account number of the loan to make it look like a different account and to categorize it as a closed account on the credit reports while not updating and reporting the payments that are paid and never late, my reasonable question is : How could Wells Fargo receive my never late payments and yet reports to creditors who review my credit reports as closed account. 
I have a signed letter by Wachovia 's CEO that indicates about the terms of this loan should never change even when transferred to another financial institution.