23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Cash App had closed my account a few days before XX/XX/XXXX this year and the only response was canned below. I had been transferring several hundreds of dollars last month through Cash App because it's the fastest to transfer to a deposit account, to pay down credit cards and earn debit card reward cashback. I wasn't laundering money or anything but I guess they saw that as suspicious. But I believe I did not violate the Casp App XXXX  by doing this as I read it all and nothing what I was did was wrong. I keep getting the same canned email.
Product: Credit card or prepaid card

On XX/XX/18 I applied for the Wells Fargo Platinum Visa with a {$3500.00} credit limit @ 0 % interest rater for 18 months. My credit rating upon application approval was @ XXXX and according the advertisement the interest rate would be based on credit worthiness and payment history and no higher than 24.49 % ( being the highest rate which should not apply to me based on my credit worthiness ) I have excellent credit / payment history with all my open accounts to include XXXX XXXX, XXXX & Wells Fargo. However I am being charged an interest rate of 24.99 % on a {$1300.00} balance when my minimum payment is {$43.00} HOW IS THIS POSSIBLE.. Please help
Product: Credit reporting or other personal consumer reports

I logged on to make my XXXX payments and the website stated " XXXX to your account has been temporarily suspended. Please call XXXX XXXX at XXXX. I called the company several times and even escalated up to a XXXX. I called XXXX times on XX/XX/XXXX, XXXX  times on XX/XX/XXXX, and XXXX times on XX/XX/XXXX. They stated that my accounts were being charged off because I filed bankruptcy. I let them know I had not filed bankruptcy and that someone must have mixed my account up with someone else. I paid my XXXX payments on time and was logging in to make my XXXX payments. I asked for them to investigate the issue and send me proof where I filed bankruptcy and to check the name and social security number on whatever paperwork they received. XXXX XXXXXXXX XXXX  closed my cards, blocked me from making payments, told me they can not take my payments, and then reported my account XXXX days late even though I just paid in XXXX and XXXX payments were just due so even if they hadn't closed my accounts and blocked payments, I still wouldn't be XXXX days late. I was in the process of a home equity loan and have now not been able to close the loan because the late payments reported dropped by credit score. I have called XXXX XXXX several times and no one will take the time to investigate or send me written proof. This is sad and scary that a mistake by someone can harm a person 's credit and affect your life in such a negative way and the company refuse to assist in correcting it. XXXX XXXX needs to do better. I talked to over XXXX people and none of them were helpful even the supervisors and managers.
Product: Checking or savings account

I am unable to connect my account for direct deposit with XXXX XXXX.
Product: Checking or savings account

Wells Fargo charged me numerous overdraft fees and eventually closed my account, and I know many of these fees were just added on there, there was an incredible amount owed, it really just didnt even seem possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you that this unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, Bankruptcy XXXX XXXX Discharged XXXX Date Filed XX/XX/XXXX XXXX
Product: Debt collection

I had a late fee which carried over to the next month, despite the loan amount being paid. My credit report now shows not only the late fee as non-payment for the loan, but the entire loan amount shows on my report as delinquent. 

I am in the middle of buying a home. This one action has had a detrimental impact on my ability to provide a home for my family. 

This company is NOT a pay day loan lender.
Product: Credit card or prepaid card

I ordered a indoor security camera online from Lowes and charged it to my LOwes credit card, but the camera does not work. So I called and ask for a return label so as to return it via " XXXX '', as that is the way it was delivered. So I spoke with a LOwes rep and she sent me a email confirmation without a return label which is necessary when returning a package for a refund. THe Fedx man came this morning and did not pick the package up even though he scanned it. I can not get a hold of a lowes rep and I was on hold for 20.5 hours waiting. THe order number is, XXXX. I am not paying for a product that does " NOT '' work.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

Macy 's Debt Collection XXXX is contacting, an employee of XXXX XXXX who does not have a Macy 's credit card and attempting to get her social security number and asking her about other people who work at XXXX XXXX once they learned she does not have a Macy 's account. They call 3x 's per day and go thru the IVR to get to her extension. It is very annoying and disruptive. It seems like a scam to get information.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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 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 any 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.
Product: Checking or savings account

Between the priod of XX/XX/XXXX and today XX/XX/XXXX I have been unable to access my Online banking account. I have followed the proper steps each day to access my account to no avail. I also have received every run-around excuse possible, with extensive promises of expected retun phone calls from XXXX, also to no avail. I have advised that an online Registration issue exist which does not allow me to access my bank accounts online, with no realistic promise of a resolution. When I try to Register my bank debit card online through Citi.com, I receive an error message which states " Looks like something went wrong. Please contact Customer Support for help ''. I believe I need your departments assitance to resolve this access issue as the Citi bank " Customer Service depart '' does not seem capable of resolving this issue. I have reached out to XXXX XXXX in the Citi Executive Response Unit again for assistance as she is quite aware of the previous CFPB complaint # XXXX which was submitted XX/XX/XXXX and was assumed, incorrectly, to resolve this debit card online access issue.
Product: Debt collection

I had a debt with XXXX credit card. XXXX charged off the debt a third party debt collector picked up the debt and sued me in court recieving a judgement against me. I live in the state of california, the law here states a third party debt collector can not sue a person in a court of law, they may contact the individule and try to collect but they may not take them to court. Also this third party debt collector sued me in court after the statute of limitations ran. They keep harassing me with letters saying they have a judgement and they are going into my bank account or worse. This Winn Law group must be stopped with such illegal practices. Please help me to get these people off my back and stop them from further harrassment.
Product: Vehicle loan or lease

I spoke to someone at Santander in XX/XX/XXXX about my trouble making payments due to heath issues pertaining to my accident in XXXX. The gentleman to spoke with him XXXX assured me that if I made I payment before the XXXX of the next month that they would not report as late on my credit report. They will not defer my payment because the car was totaled, and I am having trouble making payments.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made within the grace period : My records indicate that the payment for the due date in XX/XX/XXXX and XX/XX/XXXX was submitted on time, which falls within the creditor 's 15-day grace period. This makes the " 30 days late '' reporting inaccurate. 
No notification of delinquency : I never received any notice or communication from XXXX XXXX regarding a delinquency, which is required by law before reporting a late payment. 
Evidence Provided : I have attached bank statements showing the payment was processed and confirmation emails from XXXX XXXX verifying the receipt of the payment. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have had water damage to my property and the mortgage company 's lost draft department gives me different answers every time I call. I am never able to speak to a Manager or Supervisor, they are always in a meeting. Online they have requirements that are outdated. As a consumer, how can I follow a process that is incorrect no matter what source you contact or research online. The water damage happened on XXXX different areas of the property and they combine both claims conveniently to allow then to put me through the monitored process. If the claims were separated I would not even qualify for the monitored process. I have paid monies out of my own pocket to begin the repairs but they are refusing to release the funds to reimburse the monies spent or for other items such as appliances and XXXX XXXX.
Product: Consumer Loan

On XXXX XXXX, XXXX, I took my XXXX XXXX XXXX Coupe ( XXXX ) to XXXX in XXXX, Texas to see what they would offer me to purchase the car. At the time I was interested in a new XXXX XXXX, which had substantial incentive programs going for a limited time, savings in excess of {$6000.00}. So, my options were to sell the XXXX XXXX to XXXX or to trade it at a dealership for the new one, if the dealer offered me the same or more, because there would be a sales tax benefit in the trade as well. Much to my surprise, XXXX said that they could not offer me anything for the vehicle, because their XXXX XXXX History report ( like XXXX ) indicated a possible odometer rollback, which is against the law. The XXXX report indicated the car had XXXX miles on XXXX/XXXX/XXXX, whereas it showed XXXX miles on XXXX/XXXX/XXXX. So, I immediately called my XXXX agent, XXXX XXXX, whose agency back in XXXX had talked me into transferring my XXXX XXXX XXXX car loans to State Farm Bank. After hours of going back and forth on the phone with XXXX as well as people at SFB that he connected me with, I was told that it would take 6-7 weeks to get the title corrected, and that the best they could do that day was to give me a signed and notarized affidavit, stating the correct mileage as of that day. My hands were tied ; the XXXX report showed XXXX miles on XXXX/XXXX/XXXX, one month after transferring the loan to SFB. Just 8 months earlier, the report showed the vehicle to have XXXX miles. I took the affidavit back to XXXX, and they said that they could n't help me ; the title needed to be corrected. When you look at the " Application For Texas Certificate Of Title '' document, which I had signed on XXXX/XXXX/XXXX, the mileage is written in with a different handwriting than mine. When I signed the documents for both cars, I was asked to give the mileages over the phone. My thought is that whomever I gave them to mixed them up. My other vehicle was a XXXX XXXX XXXX, which had far more miles on it. But, because SFB had conveniently lost the " Application For Texas Certificate Of Title '' on the XXXX, there is no way to prove this. Of course SFB has asked me in the last two months to sign, write mileage in, and send them that document for the XXXX XXXX. 
So, on XXXX XXXX, XXXX, seven days after I had left XXXX, I traded the XXXX XXXX XXXX for the XXXX XXXX, because many of the purchase incentives were due to expire by the XXXX. The dealership said they could only offer me {$7700.00}, even though the trade in amount for a " low mileage vehicle '' in outstanding condition ranged from $ XXXX {$10000.00}. They said that the affidavit could n't be substituted for the corrected title, especially in light of the fact that they would want to resell it right away with a clear title, and that would n't happen for at least 5 more weeks. State Farm Bank not only refused to provide any restitution, but they had the audacity to say that I should be happy with the savings I got on my new vehicle, because of the incentives ( backhanded, cavalier remark ). So, the deep pockets make clerical mistakes, but they do n't have to pay for them!
Product: Debt collection

This is the second time I notice this fraudulent account coming from LVNV, after looking into the alleged best in all three credit reporting agencies XXXX, XXXX, and XXXX I then forward to dispute this alleged debt with LVNV. I sent LVNV a letter of dispute on XX/XX/2023 and did not get any response. So I sent a second letter on XX/XX/2023 and I did not get a response either. Furthermore there are XXXX other collection agencies collection on the some alleged debt. The companies attempting to collect on a debt that I do not owe are XXXX XXXX XXXX and XXXX XXXX XXXX. LVNV did NOT send me lawful validation of this alleged debt pursuant to 12 CFR 1006.34 - Notice for validation of debts, or 15 U.S. Code 1692g - Validation of debts. 
This is the second time I dealt with LVNV and never responded to my dispute letters of Validation of debt. 
XXXX XXXX found LVNV in violation of Identity theft for obtaining my information under false pretense and furnishing without having permissible purpose of the consumer. I will provide documents that support my claim. 
Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about, which XXXX XXXX XXXX continues to furnish my public information without having permissible purposes, from [ XXXX XXXX ] pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports.

15 U.S. Code 1681 q - Obtaining information under false pretenses.

18 U.S. Code 1028A - Aggravated identity theft.

These are the violations of Consumer LAWS
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX Opened XX/XX/2013 Balance {$0.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Credit reporting or other personal consumer reports

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX or XXXX XXXX XXXX Account Number : XXXX The collection payment history is inaccurate across all XXXX credit bureaus and I have no proof that this alleged debt belongs to me. 
Consumer Reporting Agencies are pretty important and should maintain positive accuracy by law. 
I'd be really grateful if you could check into this for me. Could you send me copies of the statements that show that this collection account is mine and belongs to me? 

Thank you so much for checking on this for me.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, XXXX Last 4 social:XXXX RE : XXXX XXXX To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit repor You are reporting a late payment on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX .and accordance with the fair credit act XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. 
After doing so please provide me with an updated reflecting the changes. 

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I received a notification that my credit score had decreased by more than XXXX points. When I looked into it, the only possible explanation was that Nelnet had reported several Department of Education student loan accounts closed, and that I had missed XXXX payments on those loans. 

Under Department of Education rules, loan servicers are not supposed to report missing payments or other information that could negatively affect a borrower 's credit during the special " on-ramp '' period that lasts until XX/XX/year>. More info here : https : //studentaid.gov/manage-loans/repayment/prepare-payments-restart Additionally, the communications I received from Nelnet were inaccurate, and emotionally distressing. Around the same time I received alerts to my credit report, I saw that I had messages in my inbox on the Nelnet site. I had more than five messages with the subject line " Congratulations! Your loans are paid in full. '' In the message was a congratulatory letter that said my balance was now {$0.00}, and my loans were paid off. 

For a moment, I thought my loans were paid. I had begun my application for public service loan forgiveness, and it's hard to keep up with all the changes to the loan program. It was only when I logged into the XXXX website that I learned I had a new loan servicer, XXXX. I never received any email or message from Nelnet, the Department of Ed, or my new servicer, that my loans had been transferred. If I hadn't investigated further, I could have easily taken Nelnet at their word and defaulted on my loans. Not to mention, sending people a letter that their loans are paid off, when they're just being transferred is incredibly cruel, especially when there is so much confusion right now around loan forgiveness.
Product: Vehicle loan or lease

I have been trying to refinance a vehicle from ally for almost a two months.Back in XX/XX/2019 I had asked for a payoff faxed to submit to my credit union.The fax was sent to me.I then decided because of my credit to stick out with ally.I called and was told someone would be contacting me about a rewrite.Fastforward to XX/XX/2019 I contacted them about a late charge that was sent to me but when I paid the note it wasnt on their website.I spoke to a young lady by the name of XXXX around XXXX.I got the run around about finally got to the Department when I asked what would the terms be the phone got quiet and then the survey came on.It was like she hung up or sent me to the survey.It seems like they dont want me to refinance.