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

I traded in this vehicle on XX/XX/2022. The company XXXX I traded in the vehicle to verified on 3 different occasions on a recorded line from XXXX of the pay off amount for the vehicle being {$4800.00}. The vehicle has been paid off since XX/XX/2022 and this account is still showing up on my credit report. I went on the website to my online account and my payment history had been erased and a new amount is coming back as owed and is stating not allowing payments. At this time I want this account to removed immediately off my credit report due to reporting inaccurate information and fraud.
Product: Payday loan, title loan, or personal loan

I went on line to get a loan with Discover Personal Loans in XXXX. The loan was approved and I had the funds deposited into my daughters account and set up automatic payments to come out of the same account. The funds were deposited and a payment was taken out of the account. On the XXXX of XXXX my daughters bank account was charged a hold of {$880000.00} because Discover assumed there was fraud. The did not speak to me or do anything to verify that this loan was in fact good. I spoke to Discover personal loans on Friday morning and they assured me that they had reached out to my daughters bank and that they removed the fraud claim. My daughters bank, XXXX  XXXX XXXX said that they told Discover that they had to receind the claim in writing. As of Monday morning XX/XX/22 they still had not sent the letter to XXXX  XXXX XXXX. Discover said that they had to send the letter to their legal team before they could send it to XXXX  XXXX XXXX. This whole mess could have been avoided of Discover had done their due diligence and spoke to me before filing the claim in the first place. They are quick to wrongfully assume something but slow to fix their mistake.
Product: Payday loan, title loan, or personal loan

I logged into the netcredit.com webpage to process my payment earlier than the due date, on XX/XX/XXXX. I scheduled a single payment with the company, and they processed that payment two times. I saw this on Saturday morning and reached out to the company and was on hold for over 40 minutes and then I was disconnected. When I attempted to call back it was no longer during their business hours.. this caused a financial impact to my personal bank account as I was not prepared to make a double payment nor did I request it. Company is not able to be reached by phone
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 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 ( XXXX BANK XXXX ) I DID NOT COMPANY XXXX PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I made a lump sum payment to XXXX XXXX services that was more than $ XXXX making this payment the agreement was that it would be reflected on my credit report. They refuse to report it. 
In XXXX I filed bankruptcy and included the XXXX XXXX XXXX, and signed a reaffirmation agreement. ( I continued making payments ) Before adding the XXXX to the bankruptcy I asked if this would reflect on my credit as IN GOOD STANDING? The response was " Once the car is paid off it will reflect on your credit report as paid off ". They did not tell me that they were going to take the loan off of my credit report completely. Once I realized that it was not showing at all I called them and asked what happened. They explained that the loan would reflect on my report once I paid it in full. Over the course of the next 4 years I was late 2 or 3 times and moved one payment to the end of the agreement. Every payment after that was mostly early and on time. The car was paid off ahead of schedule. The amount that they were given at once was a very large amount of money, and now they refuse to comply with the agreement. 
Also the car had several repairs done in XXXX while sitll under warranty. Two months after the same repair was done 3 times the warranty had expired and the same issue occured, they refused to replace the brand new parts that they had replaced 3 times. Documents to support my issue are available.Also the radio has blacked out and this was an ongoing issue shortly after I purchased the car brand new.
Product: Student loan

On XXXX XX/XX/2022, I called Edfinancial customer service to request a refund for the amount I paid since the payment pause began. I was told there would be a 150-business-day waiting period for my refund to be processed. This is unacceptable, especially when other loan servicers are not subjecting their clients to such delays. 

On XXXX XX/XX/2022, I called again to check on the status of my refund. I was now told that no timeline could be provided for my refund. This is also unacceptable. I asked to be sent a confirmation email to verify that my request was submitted and was told that it would take at least 12 business days to receive an email. Edfinancial is not providing timely customer service.
Product: Mortgage

My home equity line of credit ( HELOC ) has XXXX accounts. I recently went to a local branch and paid off XXXX of the XXXX accounts, about {$7000.00} of a total of {$23000.00} I owed. At the branch, the teller calculated that my new monthly payment, going forward, would be {$200.00}, which corresponds to what I calculated the new payment would be. 
A few days ago, I checked the institution 's website which states, instead, that my new payment will be {$230.00} ( previously, before paying off XXXX of the accounts, my monthly payment was {$270.00} ). I called the institution to ask them to correct the payment information on the website to align with what I was told at the branch and which I think is correct. I was told that the website amount, {$230.00}, is correct. I asked for a breakdown of the payment and was told that, for example, on # XXXX, my new principal payment would be about {$140.00}. But currently my principal payment for that account is only {$84.00}. I asked why my principal payment jumped from {$84.00} to {$140.00}, and the agent on the phone could n't give me an answer. I pointed out that, if I paid {$140.00} in principal every month on that account, I would pay it off way before the ten-year payback period ends. The agent on the phone could n't explain why this is so. 
In general, I told the agent that I could n't understand how it was that I paid off about 30 % of the total principal I owned but my monthly payment was going down ( according to the bank ) by only about 15 %. The agent could n't explain why this was. I think the institution is mistaken and needs to correct the monthly payment to align what I was told at the branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the holder of a secured credit card with Citibank with a {$500.00} collateral deposit that I had paid. I used the cards many times with no issue. On XX/XX/2019 my balance was {$590.00}, I made a payment of {$360.00} which was withdrawn from my account. The very next day on XX/XX/2019 Citibank closed my card leaving me with a balance due of {$230.00}, since I had {$500.00} collateral, they deducted my balance due and refunded me {$260.00} from my collateral by check on XX/XX/2019 with check # XXXX. I thought since I had paid off the account that everything was ok until Citibank starting reporting late payments to all 3 credit bureaus. Not only that, they stated that I owed them {$640.00}. I stated calling Citibank in regards to this issue and was transferred many times to different departments. I spend hours on the phone explaining the situation and no one could help me. I was asking Citibank to show me where the balance was coming from but each rep I spoke to stated that the only thing they could send me was a statement but the only thing the statement showed was a dollar amount due, it did not show where the charge was coming from nor could any of the representatives I spoke to could tell me why there was a balance. One representative from Citibank advised me it would be faster to file a dispute directly with the credit bureaus. I did in fact file dispute with each of the bureaus. Each time they would get back to me and say that the information being reported was accurate and that it would stay on my credit report. I did not understand how that could be so. How could they verify the information as accurate is I myself as the account holder could not get anyone to verify where the charge was coming from? It has been almost three years now that they still report a balance and showed as a charge off. This past week, out of sheer frustration and in an attempt to salvage my credit I paid Citibank the {$640.00} despite thinking it was really unfair as I did not owe this money. I only paid in hopes of restoring my credit and getting the account removed but Citibank is still showing my account. It updated to show as a paid charge off which is not any better.
Product: Debt collection

I made a charge on my target red card in XXXX for XXXX dollars. I mailed a payment in XXXX but it was not received by them. They didnt attempt to contact about the debt owed from the missed payment. The amount past due wasnt even enough for them to charge me a late fee. There is now a 30 day mark on my credit for the payment not being received on time. Once I saw the account was past due I paid the balance in full. I am asking that they remove the 30 day mark against my credit bc they did not make any attempts to contact me and just let it become more past due
Product: Payday loan, title loan, personal loan, or advance loan

Last Monday. Literally scared me, had a knock on the door from a loan officer. My son is XXXX XXXX XXXX and XXXX Scared him as well Constantly harassing and calling my mom and my apartment manager told them that I can not pay at this moment but keep getting texts l. 
I just received them almost every other day and today alone received seven texts. And a phone call and voice message. 
I'm a single mom of XXXX children.
Product: Debt collection

Ally / Ollo has texted and even called my number after XXXX. I have screenshots as proof of the call after XXXX as well as the text message after XXXX at XXXX on XX/XX/2023 and the call was on XX/XX/2023 at XXXX in violation of the Fair Debt Collection Practices Act.
Product: Debt collection

I have files my multiple diaries with experian and the CFPB. Please refer to dates with CFPB. On multiple occasion I have disputed this is an unauthorized account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXXXXXX, 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 I also have some inquiries on my credit report that I didn't authorized and unaware of.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX has failed to provide adequate validation and verification of the debt they are attempting to collect. Despite my formal and repeated requests, they did not supply sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a clear violation of my rights under the FCRA.
Product: Vehicle loan or lease

Auto Dealer Fraud. Buying a car can be a fun and exciting experience. ... Auto dealer fraud describes deceptive and unlawful practices used by automobile dealers. This type of fraud can occur at any stage of the vehicle purchase process, from advertising to negotiation of vehicle pricing and financing terms.

Under Missouri state law I have a right to bring civil action against anyone, including a consumer credit reporting agency, who improperly obtains access to a file, knowingly misuses file data, or fails to correct inaccurate file data.

I applied for auto loan and specifically repeated no personal guarantee or Id wait until business credit was better. Dealer somehow got my personal SSN even though I have not provided them with a application in the last 30 days. Salesmen cursing at me, being rude. Using threatening and harrassing demeanor.

This is dealer fraud, and identity theft.
Product: Credit card or prepaid card

Amidst this worldwide crisis that we are facing with all that is going on this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Could you please delete these inaccurate accounts from my credit report? I have no knowledge of these accounts, and I am certain they are fraudulent.
Product: Student loan

I have 9 Federal student loans with XXXX XXXX XXXX XXXX. ( Totaling {$30000.00} ) When I graduated the loans remained in deferment for a period of time. I was NEVER notified when loans became due for repayment. Once this was discovered, I called XXXX XXXX XXXX to rectify the issue. I was informed that the issue was resolved yet my credit rating does not show that. XXXX XXXX XXXX   states my account is past due for 4 months ( XXXX ) in 2017. I have disputed this with credit bureaus. While the results state there has been an update, the credit reports still show the late payments. There have been no late payments and the account is up to date since speaking directly with XXXX XXXX XXXX. I do not believe I should be penalized for not being informed when the loans became due. I made a good faith effort to resolve the issue yet continue to be penalized due to the credit reporting. 
I would like the credit report to be updated to reflect no late payments.
Product: Checking or savings account

XXXX-capital one bank has not processed my direct deposit paycheck. Customer service wait times are extremely long.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2021. And now we are in the month of XXXX 2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to them regarding a bankruptcy listed on my credit report. The information is incorrect all of it. They have stated that the info was verified through the furnisher which is not true they have never contacted them. I have on several occasions asked for the person who contacted the furnisher as well as the person they have spoke with and they have never provided that information to me. The information they are providing is information from a third party which I have also contacted regarding the info. I have since then froze and suppressed my files and the credit bureaus are still stating they have validated. Once again they have not been truthful. I will like both bankruptcies removed from my reports as they are incorrect. My spouse have kicked me and my XXXX children out and left us XXXX  atvtuis time I do not have attachments. Due to the false information reporting I have been unable to obtain a place to stay for me and my children. U will like this issue resolved as soon as possible so that I am able to secure a place to live for me and my children
Product: Prepaid card

I received an Amex eGift Card. This includes an email You have received an American Express eGift Card from XXXX. And on there I clicked the link to validate and print the card, which loads on XXXX XXXX XXXX XXXX XXXX and shows a balance. I attempt to use this on XXXX. And the transaction is declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year.
Product: Debt collection

I received an initial communication from AFNI, Inc., by mail on XX/XX/2020, stating they were attempting to collect a debt. I have no written agreement with any company to disclose any information to AFNI, and have no such account with AFNI. 

I received a second communication from Afni by mail on XX/XX/2020, attempting to collect a debt. 

They have provided no verification of this debt. This account is still being reported as a derogatory account on my credit reports by XXXX and XXXX, tarnishing my reputation of creditworthiness. 

I have sent them a certified letter dated XX/XX/2020, asking them to cease all communication and remove this account from my credit reports.
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.

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 XXXX financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have raised disputes regarding incorrect information on my credit report with XXXX, XXXX, and Experian. Despite submitting multiple disputes, the inaccuracies remain unresolved. These failures are causing significant harm to my credit profile. 

Dispute Reasons and Violations : Failure to Correct Inaccuracies ( 15 USC 1681i ( a ) ( 1 ) ) : The credit bureaus did not adhere to the 30-day investigation period required for disputes, leaving inaccuracies unaddressed.

Failure to Verify Information ( 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) ) : The credit bureaus have not followed proper investigation protocols, as they have failed to provide sufficient evidence or findings supporting the accuracy of the disputed information.

Improper Reporting of Negative Information ( 15 USC 1681c ( a ) ( 5 ) ) : The credit bureaus continue to report outdated information that should have been excluded from my report, violating the time limits outlined in the FCRA.
Product: Credit reporting or other personal consumer reports

Late Payments ( 15 U.S. Code 1666b ) Charge Off 's ( 15 U.S. Code 1601 ) Collections ( 15 U.S. Code 1692c ) Hard Inquiries ( 15 U.S. Code 1602p )
Product: Payday loan, title loan, or personal loan

I downloaded this active hours app on XX/XX/XXXX maybe. It gives you money for the days you already worked and then take back what they gave you on your pay day. Well my pay day was Friday XX/XX/XXXX they were supposed to take out their {$100.00}. They were supposed to do it the morning I got paid but they did n't. I called my bank and asked if they already took they money I was informed that they did. So I went ahead and withdrew all my money because I do n't a have a debit card right now. So after I withdrew all my money I had maybe XXXX in my account. Saturday I woke up and I had a message that I had {$60.00} in my bank account I did n't understand how. Today on Monday XX/XX/XXXX active hours were supposed to send me XXXX. And they did but I called my bank and they told me that {$60.00} was - {$60.00} due to the 5 insufficient funds transactions that were trynna be made. I was confused on how I had 5 insufficient funds transactions because I did n't have no card to make these transactions come to find out Active hours were trynna make transactions with my account that I had no idea about. I was told that they already took their money so why were they trynna make transactions with my account putting me and the negatives. My complaint it they are n't really what they say they 're about. They told me three times they would change my max for me to be able to cash out more money but they never did. Not to mention you have to reach them by email you ca n't call them by phone they do n't have a phone number so you have to email them so it takes days for them to reply. I just do n't like this company and I will be removing my information from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX -- I do not remember being late on this account because I always pay on time. 

XXXX XXXX XXXX -- I do not remember being late on this account because I always pay on time. 

XXXX XXXX XXXX XXXX -- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. 

XXXX XXXX XXXX -- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. 

XXXX XXXX XXXX XX/XX/2022 -- - UNAUTHORIZED INQUIRY. PLEASE DELETE! 

XXXX XXXX XXXX XXXX  XX/XX/2022 -- - UNAUTHORIZED INQUIRY. PLEASE DELETE! 


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 of the person knows or has reasonable cause to believe that the information is inaccurate.