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

My account with XXXX XXXX  AUTO FIN 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 XXXX, XXXX, XXXX, AND XXXX to be removed. 

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

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

XXXX XXXX AUTO FIN never sent the periodic statement along with the disclosures from section 1637 ( b ). 

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

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

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

I am not able to move my money from the XXXX XXXX XXXX account I opened with them XXXX. Whether I try to move the funds from the savings to the checking, or do an external transfer to my checking, there are inevitable problems. Over the weekend I was not able to move the money from the savings to the checking, so on Monday I initiated an external transfer that I was told would be delivered/transferred by XX/XX/XXXX ( tomorrow ). Now today I get an email stating that the external transfer capability has been suspended, despite the fact that I submitted all the verification questions they required.
Product: Bank account or service

I have been an established customer of Capitol One Bank in XXXX XXXX, NJ. My original interest rate on my account was 1.09 %. Without my knowledge, the bank dropped the rate to .10 % After speaking with XXXX XXXX, she said no problem, I have a lot of customers who complained about the same thing. All you have to do is bring new money in to the bank, open a checking account, and the rate will return to 1.09 % So I presented a check in the amount of {$230000.00} and wanted to proceed with what I was promised. The new manager XXXX XXXX asked me what I am going to use the checking account for and I said some small deposits here and there. He gave me a strange look that made me feel embarrassed, uncomfortable, and like a criminal. Then he refused to open the account. I feel I was discriminated against and was given no reason as to the denial of the account opening. I even escalated to Capitol One corporate. XXXX contacted me and said it is in the rights of the branch manager to decline opening an account. She did however take down more facts about what transpired. Keep in mind their was no heated conversation or bad language. How is it that the bank allows this for some customers and not others? Is it my last name? What is the criteria? I thought ll customers should be treated equally. I am still hurt, puzzled, and felt belittled that day inside of the branch. I feel I deserve an explanation. Thank you, XXXX
Product: Credit reporting or other personal consumer reports

Some time ago I sent a complaint to Experian about an account they are reporting on my credit. The account is a bankruptcy. I asked Experian where they got the information and their only response was they verified it. In reached out to the actual court and they provided me a letter saying they did not provide any information to any third party. Experian has refused to remove this from my credit dispite the fact they put it on my report illegally in the first place. They have violated my privacy and put my reputation at risk by reporting this information. I am demanding they remove it now. I'm attaching the MULTIPLE letters sent to Experian demanding they comply yet this information is still being reported. I am ready to take my grievance to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX U.S Dept of Ed/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Depted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 XXXXXXXX XXXX XXXX account, different 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following 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

On XX/XX/22 i was applying for a mortgage- since I had to unlock all three credit bureaus for this mortgage application, I decided to submit an application to Comenity bank at the same time. 

I received a letter a few weeks later indicating it was written on XX/XX/22 that Comenity Bank did NOT approve my credit application at this time because they were advised by " the credit reporting agency '' ( non specific ) that a security / credit freeze was placed on my report. That " unfortunately, due to the freeze on your credit bureau report we were unable to verify your credit history with other credit grantors '' A few weeks later as I was closing on my loan my bank enquired about a HARD ENQUIRY on my XXXX credit file from Comenity Bank. It is my understanding under FCRA that a locked credit file would not be capable of having a hard enquiry against it unless it were unlocked.

I have a denial letter from Comenity bank telling me they denied me credit because of a locked credit file, but I also have a hard enquiry from Comenity Bank showing that they acceessed my credit- IT CAN NOT BE BOTH WAYS. 

The hard enquiry should be rescinded and removed from my credit file since Comenity says they could not access it - OR - the credit card should have been issued - OR denied for a legitimate reason besides credit lock if they were able to access my XXXX Credit Report as XXXX currently indicates. 

Comentiy cites XXXX / XXXX Risk Solutions Consumer Center as the agency that provided this report - This complaint would be inclusive of the credit reporting agency that Comentiy Bank Uses and cites in their letter whom I have never heard of. XXXX XXXX indicated at the time I had no credit lock on file with them, Comenity indicates they pulled my credit on XXXX at the time of application ( in which all three known bureaus were unlocked and XXXX / XXXX had no security freeze on file ). 

These bureaus are engaging in reporting false information, possibly due to some time lag in how they actually pull credit and report it which they are unaware of.
Product: Checking or savings account

Re : Unauthorized Freezing of Accounts and Misappropriation of Funds at Bank of America for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Bank of America has unlawfully frozen my accounts without the necessary notifications, account balances, or pertinent information. I have formally requested statements for all accounts that the bank has improperly managed under my name, XXXX XXXX, as well as for my business, XXXX XXXX XXXX, and any other entities that the bank may have illegitimately created to misappropriate my funds. The bank has engaged in unauthorized transactions, including deposits and transfers, acting on my behalf without any employee of Bank of America possessing the authority to make decisions regarding my personal or business finances.

2. Consequently, I am seeking a formal explanation regarding the specific dates and details of all accounts that have been frozen by the bank. I request bank statements for all accounts associated with Bank of America under Tax ID XXXX and Social Security number XXXX for the past XXXX years. I assert that employees of Bank of America have unlawfully taken funds from my accounts, executed unauthorized deposits and wire transfers from my business, and acted as if they were the managers of my business or my personal representatives without any legal authorization. 

XXXX. It is imperative that the bank promptly provide a letter outlining all accounts that have been frozen, including the dates of the freezes and the amounts held in these accounts. The actions taken by Bank of America have not adhered to the legal disclosures and procedures mandated by the FDIC, and I expect a thorough and immediate response to rectify this situation. 

It is important to understand that no bank personnel, XXXX XXXX XXXX representatives, third-party agents, legal counsel, government officials, or federal agents possess the legal authority to act on my behalf or make decisions regarding my bank accounts or business operations. All correspondence must be directed to me and conducted exclusively with me, as the sole owner of the bank accounts and the business.
Product: Mortgage

Hello my name is XXXX XXXX I am the Biological Heir of XXXX XXXX my XXXX died with out will I was contacted by chase mortgage about his death and his estate I contacted them with his Death certificate and my birth certificate to show that he was my biological father and chase mortgage decided to sell property after I sent them the information about his death i updated and instead of following state and federal statue codes they sold or pre foreclosed on property by using a third party debt collector who filed for a auction for property then the they talked to XXXX child about XXXX XXXX account Federal Act I the right to sell house His wife had will for her she was not co signer on XXXX XXXX Mortgage so property inherited by the next of kin when I called the bank would only talk to step child and sent pay off quote to step child The federal act they broke was GarnSt Germain Act they never let me take over payments Key Provisions of the Act Right to privacy act The Garn St. Germain Act addressed due-on-sale clauses in mortgage contracts. These clauses allowed lenders to demand full repayment when a property changed hands. The Act recognized these clauses as enforceable but introduced critical exceptions for specific situations. 

One major exception involved property inheritance. When a family member inherits a property, they can continue the deceaseds mortgage payments without refinancing. This exception is vital for heirs who might not qualify for a new loan. 
Another exception concerns joint tenants. It allows property owners to add certain family members, like a spouse or child, to the property title without triggering the mortgages full repayment. 
The Act also supports estate planning. It allows property transfers into a certain type of trust without demanding loan repayment. This is crucial for managing assets and avoiding probate. Many individuals plan to avoid the complicated and public probate process through an inter vivos trust. Also called a revocable living trust, this legal tool allows for a more accessible estate administration process for your loved ones. 
In North Carolina, these provisions streamline real estate transactions involving inherited properties. They provide clarity and financial relief for families during the transfer of ownership. 

Understanding these key provisions helps heirs and property owners plan effectively. It ensures smooth transitions in property ownership and mortgage responsibilities. You can read more about what the act did for the average American at XXXX or talk with an experienced estate planning attorney.
Product: Credit reporting

I was viewing my XXXX XXXX report and noticed that there were XXXX inquires from XXXX. I contacted them and they referred me to Equifax and Equifax refused to dispute. They redirected me back to XXXX. I am entitled to dispute fraudulent inquires.
Product: Credit reporting or other personal consumer reports

This morning, I was disheartened to see unauthorized inquiries on my credit report, with no explanation for how they appeared. When I checked my report, I found discrepancies that werent there before. I even tried refreshing my browser, thinking it was a mistake, but the inquiries were still there. I am asking that the documents I've submitted be carefully reviewed to prevent further worry on my part.
Product: Credit card

So I paid the balance they close the account without confirming fine. Then the {$56.00} from XXXX that they initially thwarted the whole reason I contacted you guys in the first place because of their gross malfeasance because of their gross misconduct because of their gross negligence with criminal intent are now pulling some retaliatory XXXX The account is closed I had it closed they closed it then they added the {$56.00} saying that they XXXX up again My consulting fees are {$250.00} an hour they owe me 4 hours I've also tried to correct their mistake again and it won't allow me access into the account so I can't even pay them the {$56.00} to XXXX off and go away even if I wanted to because they have a XXXXXXXX XXXX XXXX  XXXX a best man-made XXXX XXXX that is unwanted and unnecessary all together I mowed {$1200.00} for my consulting fees for forcing my hand to once again over and over again correct their gross malfeasance their gross misconduct and their gross neglect and misconduct this is a retaliatory measure and that's why they have the XXXX XXXX XXXX XXXX they're the ones that originated and XXXX  up to begin with and then finally accepting we XXXX  up we're going to issue you the credit and then to go back and the XXXX  up and put it on my XXXX credit report these XXXX XXXX XXXX XXXX I want my XXXX in consulting fees and I want emotional distress because this does not help my XXXX or XXXX these XXXX  need to pay they need to be fined and they need to be XXXX  corrected another XXXX place little XXXX retaliatory passive aggressive XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vunerable 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 inconvienence and financial loss, and I seek appropriate redress for the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is included in bankruptcy. Bankruptcy was discharged XX/XX/2022. Account is showing late payments and a balance owed. Should not show a balance owed, should show included in bankruptcy, and should not show late payments as XXXX bankruptcy department states debt uncollectible.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/2024 I stayed at an XXXX for XXXX nights and I paid using the payment plan company Klarna. I used the entire XXXX stay, but on the morning I was leaving I found biohazards on the mattress I was sleeping in and requested a refund from XXXX who denied me. Because I felt that XXXX violated their terms and conditions I initiated a dispute for the amount that I paid. The first dispute was for the original payment I made to Klarna for roughly {$98.00}. While waiting for a decision on this dispute. I continued to make my agreed upon payments to Klarna. As well as continue to communicate with XXXX requesting a full refund. This dispute for {$98.00} was approved. I then initiated a dispute for the final 3 payments that I made while waiting for the resolution. This dispute was for a total of {$380.00}. XXXX denied this additional dispute and XXXX XXXX took the money from my account on XX/XX/2024. Before I received information that XXXX made a decision regarding my secondary dispute, XXXX finally agreed to provide me with a full refund for the stay. This was XX/XX/2024. I believed at the time that every would be fine and my funds would be finalized in my account. On XX/XX/2024 I reach out to XXXX XXXX, who told me to reach out to Klarna who told me to reach out to XXXX. XXXX provided receipts with confirmation numbers showing they sent the money back to Klarna on XX/XX/2024. Klarna alleges that on XX/XX/2024 they sent 3 transactions totaling {$380.00} to XXXX XXXX in response to the transaction disputes I initiated. I asked Klarna to provide me with a receipt with a confirmation number or transaction number. I was informed by Klarna representatives that they do not provide or have that any receipt or confirmation to provide. XXXX XXXX informed me that they did not receive any funds from Klarna in relation to the transaction dispute. Klarna says they will not provide a refund as they already returned the money during the transaction process. I provided all the information to XXXX XXXX and they have stated multiple times that there is nothing they can or will do to further assist me in this matter. 

This a secondary complaint in relation to Complaint Number XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX placed a late payment on my consumer report XX/XX/year> stating I made a 30 day late payment. Account number XXXX I have never made a late payment on this account. I notified XXXX XXXX XXXX XXXX of this error and was told I had to pay my full balance in order to have the error corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian falsely claimed to the CFPB to have remove the XXXX account that is still showing up on my credit reports. I have provided a copy of the initial complaint as evidence. CFPB must demand that Experian remove the account or I will seek monetary compensation for their illegal practices.
Product: Checking or savings account

I saw a promotion that if I open a U.S. Bank new checking account and complete two or more direct deposits within 60 days of opening your account that total : {$3000.00} to {$5900.00} I will get rewarded as {$300.00}. The promotional Code is XXXX. 
I made more than total amount of {$3000.00} and two or more direct deposit soon after I receive my bank information te deposit, they don't give the money. 
I've already contacted them about this issue but they just told me to wait for the investigation result ( they said it'll be taking a 7 business days ), but they didn't answer me back after that. One again I contacted them and they asked me to wait another 3days, they didn't answer me back either. So I've come up with to report this issue to CFPB. please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. 
I need to correct credit bureaus ' errors and update my records. Here is the account that must be corrected. 
DISCOVER BANK XXXX XXXX  : {$560.00}
Product: Credit reporting or other personal consumer reports

CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer. 

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I dont normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report. I attached my social security number, drivers license and FTC report below.