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

On XX/XX/2023, I received a credit alert from XXXX advising that my account is past due but not more than XXXX payments. I contacted the company, Grain Credit, and advised that this is incorrect. I was making payments and when I login to my portal, it says current. The representative is still saying the account is past due ; however, when I review my statements, it says minimum due {$20.00} and she advised that even though it says {$20.00} minimum due that it doesnt reflect the past due amount and that I have to add the minimum and the past due payment. This is very confusing and also misrepresenting or not clearly stating the past due amount. Ive been making payments and when I login it says current, and so I am requesting this account be removed because the creditor isnt accurately reflecting my account and the statements to any normal layperson looking to pay their bill looks at the minimum due, which is the minimum amount that must be paid to keep the account current. Additionally, Ive been making monthly payments. The company isnt properly representing the minimum amount due either. Either way, Ive been making monthly payments and still dont understand how the account is delinquent.
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 Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM XXXX REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My friend, XXXX XXXX sent me a link to apply for a credit card from Capital One. If I did, she would receive {$100.00} incentive. I got the card, but she never received the {$100.00}. I called and they told me that if I already had a card with them, then she would not receive the money, this was for new customers only. This was not disclosed on the online application.
Product: Credit reporting or other personal consumer reports

I noticed today fraudulent hard inquries on my report! Attached is my FTC report and there listed below. 

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

I pulled my report and found I had unauthorized inquiries on my account. I contact the source and they did nothing they said they had no information on my account. they have did nothing. I contact the Credit bureau as well they have not responded..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sold me a heloc creditline forXXXX $ without telling me it was a mortgage, when I found out, I closed it, they charged me XXXX XXXX and it is still on my credit report as being owed and I am making Payments? 
I brought this to their attention, and they responded by telling me I had to find a new bank. XXXX XXXX wrote theletterfromXXXX, California. 
The problem is, as a XXXX, I need 6 months to make the changes with my insurance companies ( especially XXXX ). 
No written email or communication whythis has occurred has even been sent to me! 

I found out later they did this because I paid my home loan down and paid my two lines of credit off., so XXXX said they no longer make money on my account to the assistant branch manager whom told me. They are just trying to sell products, but do not care about the customer and do what they want without regulation.

They are based out of XXXX and do not follow the banking laws of the USA. 
Thank- You,
Product: Mortgage

I had an FHA loan with XXXX XXXX. I went through a Loss Mitigation claim and won, and my loan was refinanced and recorded in the court in XX/XX/2019. That same month, the loan was acquired by Lakeview Loan Servicing. It has taken XXXX XXXX over 6 months to get my loan information over to Lakeview, and now Lakeview has  taken 3 months to update my account. In the meantime, I have made every payment since XX/XX/2019 to Lakeview in accordance with the refinanced loan agreement. Lakeview has reported me to the credit bureau as delinquent which significantly dropped by credit. That domino effect caused by other credit accounts to drop my limit which again dropped my credit because it makes it seem like I'm utilizing more of my credit than I really was. Lakeview also  misapplied all payments made since XXXX. No one can give me an answer, no one can give me a timeline of when it will all be fixed, I just keep having to pay for it and receiving daily phone calls from Lakeview saying I am delinquent on my loan. I call them every two weeks and never get a resolution. I am ready to speak with an attorney for these lenders ruining my credit and my life.
Product: Vehicle loan or lease

I paid off my auto loan with Ford Credit because I had sold my car and needed the title to complete the transaction. I paid off the vehicle with Ford Credit on XX/XX/2020 and expected the title within 7-10 days. 
I have contacted Ford Credit on two occasions in the month of XXXX and one time they told me the title would be coming any day ( 7-10 days after they released the lien to California DMV ) and the other they provided a number to a third party company ( registration XXXX XXXX in XXXX CA ) that sent me a bill for {$250.00} to do the necessary paperwork to get me a title. 
I believe that Ford Credit has breached our contract by not providing the title. In fact not only have they not provided title they directed me to an outside vendor that wants to charge fees outside of our contract to finance the vehicle. My buyer has moved on and I have been forced to maintain insurance on the vehicle until the title gets to me and I can sell it again. I believe that without the title consideration has not been made by Ford Credit to me. 
I live in Montana now and provided Ford Credit and the state of California with my new address. I moved to Montana and updated my address with them before my payoff. 
My understanding of my contract with Ford Credit was that they would provide me with a title when our contract was fulfilled.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I received XXXX ( Worth then {$18.00} ) of XXXX XXXX ( XLM ) on an airdrop from the XXXX app. My friend sent me XXXX more XXXX as a gift to help me start investing in cryptocurrency. I then sent XXXX XXXX to my digital wallet on Coinbase. 

After XXXX weeks I noticed I didn't receive anything and contacted Coinbase support. This began a cycle of them shutting down my support question when it was unresolved or telling me I had to send them more XXXX  to verify when they lost my initial deposit in the first place with vague instructions. I tried to get live support but they kept sending scripted messages with either the issue was resolved or send another transaction. 

I have included screenshots below with the XXXX transaction and messages from support. XXXX mail deletes anything longer than XXXX  days so my earliest email shows XXXX but I have tried to contact them since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX5 usc 1681i -procedure in case of disputed accuracy paragraph 2a prompt notice of dispute to furnish of information paragraph 5a treatment of inaccurate or unverifiable information 15 usc 1681s-2 responsibilities of furnishers of information to consumer reporting agencies paragraph 8e Duty of person after receiving notice of dispute 15 usc 1681b permissible purposes of consumer reports paragraph 2 in accordance with the written instructions of the consumer to whom it relates 15 usc 1681 Congressional findings and statement of purpose paragraph 4 there is a need that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect to consumers right to privacy.
Product: Credit card or prepaid card

In trying to make payments via the Target XXXX app, I got repeated error messages and would have to try numerous times before the payment would go through, making my payment 'late ' I contacted customer service and was told nothing was wrong with the app. This is the only account showing late on my credit report and I tried disputing these late payments which did not happen so I wound up here.
Product: Money transfer, virtual currency, or money service

I have been using Zelle through XXXX XXXX XXXXXXXX since 2017. Zelle was not transparent with all disclosures. They failed to to properly treat incorrect and unauthorized Zelle transactions causing me to lose money.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 9 months I have requested verification on several accounts reporting inaccurate information on my credit report. These inaccurate and unverifiable accounts have given me serious XXXX  as I have been denied credit because of them. I have called and sent several certified mail with documents of proof to the inaccurate accounts, but still I have been ignored. Each time I am only sent back automated responses to my investigation request. I know they are automated because they all respond the same way even though I send the supporting documents. I requested verification of an inaccurate, unverifiable Bankruptcy that is being reported on my credit report and was told it was verified by XXXX, however, I have had a Security freeze on my XXXX report since XX/XX/2019. I would like to know how I was given a fair investigation if XXXX was never contacted to request the information? Because if XXXX were contacted, they would have informed " Whoever '' that there is a security freeze on my account and the information could not be provided at the time. I contacted XXXX and they informed me that since the security freeze was placed on my report, they have not released any of my information to ANY agency. I also mailed the Bureau a copy of a court document that was mailed to me by the courts where I live that states, they have not furnished any of my personal/public record information to any Credit Agency. So again, how was this inaccurate, unverifiable Bankruptcy account verified? I currently have enough documented proof to show I have not been given a fair investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken of advantage due to malpractice, Due to Covid-19, I was caused financial injury during the Beginning of 2020, i did not receive any income until the month of XX/XX/2020. I wasn't able to make my payments on some credit cards causing a harmful impact to my credit.
Product: Bank account or service

I applied for a bank account with Chase and passed my credit check and got everything set up and 10 days later I get a letter from the fraud department saying my account had been closed due to unusual activity on my account! It gave me a XXXX number to call to resolve any outstanding issues. I called and no one could tell me why my account was closed just that The Executive Office had run an indepth check and something about a Chase or XXXX XXXX account in 2013. Also they told me they could close any account without reason they just did n't want to do business with me! Very rude. They told me to contact XXXX for a report and when the report came back there was nothing negative on the report that would stop me for getting a bank account. They had already submitted my direct deposit for my Social Security and due to them closing my account my check for XXXX is going to be late and it will result in my bills being paid late and affecting my credit score. No one told me they can deny you a checking account just because they can! But again the person that I talked to was very rude! This policy should be changed and everyone has the right to know why they were denied a checking account! Without being told that out of the blue we can deny you for any reason without telling you why!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm has reported 5 accounts as delinquent. All of these accounts were opened XX/XX/2021. I contacted the company via email to advise the accounts were not mine nor do I have any knowledge of the accounts. In addition the payment account/s provided for automatic payment do not belong to me. I never received a response from the company. 
I currently have one active account with Affirm ( XXXX  ). This account is current and automatic payment is debited from my wifes account which ends in XXXX. 

I dont have any knowledge of what products were purchased/financed in XXXX. 

The 5 accounts reported as delinquent were fraud and I should not be held responsible. 

Each time I have opened an account with Affirm it has been paid as agreed. If you look at my credit report all of my payments are made on time!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 90 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Debt collection

Company claims that I owe a debt of XXXX. I have contacted company plenty of times and they are ignoring me.
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically cash out failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore they dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fraud 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 reporting, credit repair services, or other personal consumer reports

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX  XXXX XXXX Balance {$3800.00}, XXXX XXXXXXXX XXXX XXXX  XXXX Balance {$270.00},
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, I disputed the inclusion of the XXXX XXXX XXXX account on my credit file. I had no prior business relationship or contractual agreement with XXXX XXXX XXXX. The FCRA requires credit reporting agencies to remove inaccurate, incomplete, or unverifiable information. As Equifax did an investigation, I requested documentation of the investigation process. I did not received any documents from Equifax, which is a violation of my rights. Therefore, by FCRA law. The disputed account SHALL be removed promptly. The consumer reporting agency have assumed the vital role of having the responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments with XXXX XXXX. I requested proof with statements showing these late payments from Equifax.I never received any documents relating to XXXX XXXX. In accordance to the FCRA, these accounts have violated my Federally protected consumer rights to privacy and Confidentiality under 15 USC 1681.15 USC 1681 Section 604, Section 2 states that a consumer reporting agency can not furnish my account without my written instructions. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Vehicle loan or lease

I had loan with credit accetance.. They illegally turned the truck of XXXX XXXX XXXX. Then forced illegal repo.. They falsley made inaccurate and malicious inquiries on my report since XX/XX/XXXX. I have proof of everything and i want this loan cleared off my debt and shown paid in full. Since the illegally repoed it and ruined my credit since. I made 28/32 payments on time until the illegally repoed it. I have contested this as far back as XX/XX/XXXX. Had it taken off my credit. I have proof of this illegal repoesssion and illegall garnishment. 
This is when i said ibam fighting back and going to sue.. Credit Acceptance.. XXXX XXXX XXXX  and XXXX Court for granting these garnishments due to illegal documents and illegal repossesion. 
I have bought all documents that Credit Acceptance submitted to be granted these judgements as well as the transcripts. Where the judge advises me to hirr a lawyer 3 times. 
This has affected my livelyhood since everything is based on credit. From car loans, personal loans and insurance. I have statements for insurance and XXXX  XXXX also my credit union denying me help. And credit statement that states ib have hired XXXX to help dispute and prove this malicious inquires made by XXXX XXXX. I also went back and printed out past history reports that prove thatvcredit acceptance has went back adding false reports to try and cover there XXXX. I have 5 different credit reports. Old and new. Also XXXX  just approved my dispute in XX/XX/XXXX after i called and spoke to a reprensatitve and sent them proof of all this. I also have phone recordings proving why my payments was agreed and pushed back by Credit Acceptance after they sold my car at auction. By XXXX before my terms of getting the truck back. Again illegal actions. Example So XXXX payment was due on XX/XX/XXXX. Now due XX/XX/XXXX. They turned truck off XX/XX/XXXX XXXX XXXX. Sent me repo threats. I have copy.. And spoke to on XX/XX/XXXX made the payment arrangement for XX/XX/XXXX. Since i had to rent a car to work. Because the turned it off XX/XX/XXXX. They repoed the truck before i could make XXXX paymwnt due. XX/XX/XXXX and inwas paying XXXX payment ahead which was not due until XX/XX/XXXX. This is the Illegal repo that i am speaking of and have reciepts for the rental car, statements of truck being shut off and forcing me to miss XXXX BBQ. Then the same day they illegal repo my truck they alrrady posted it on my credit. Stopping me from getting a new car. And lowering my score 67 points to a low XXXX. 

I need someone to call me so i can send you the proof. Here is my number. 
XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

As a victim of identity theft, I am submitting my another request to have the information related to the alleged identity theft removed from my credit file. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), Credit Bureaus are obligated to remove any disputed items no later than four business days after the receipt of my initial letter, dated XX/XX/XXXX. I have previously included this report in a prior letter, and I am resubmitting it for reference. Moreover, I have noticed that certain accounts in the provided information are unfamiliar to me and have already been removed by other credit bureaus. Consequently, I am skeptical about their accuracy. Therefore, I request a thorough examination and removal of the disputed accounts below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXX 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 the months that I was 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.
Product: Credit card or prepaid card

Dear CFPB, Bank of America fail to give a form to change my minimum payment of {$50.00} in which I do not know why it is {$50.00} because I requested them to assign the credit card for the minimum balance. Online doesn't go thru. My account is being blocked from changing my minimum payment. Bank of America my account and charge me {$39.00} FEE every month. Now, they are taking the {$39.00} + interest fee + the payment. I thought that the situation could be resolved, but as of today Bank of America has not provide me with a way to set up the minimum payment online in computer or in my phone app. Every time I called they advised me to change my minimum payment online and refuse to do it for me over the phone or send a form and online the option is not available. 

Attach is a screenshot of their online form in which it does not include the minimum payment. I want all the fees unfairly charge. 

Thank you for your support CFPB