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

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of the accounting nature of the creditor on a statement. 

15 U.S. Code 1666b - Timing of payments ( 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 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

The items below should all be updated to paid as agreed on my consumer report.
Product: Debt collection

I informed Portfolio Recovery Associates that the information on file was inaccurate via the dispute process through the main credit reporting agencies. I was informed the reporting was accurate by all three major credit bureaus. I requested a method of verification from within my dispute, in which I was informed my request was frivolous. 

However Portfolio Recovery Associates sent via mail a letter that would be considered the initial form of communication. The initial form of communication did not contain the necessary Mini-Miranda that would allow for me to dispute the debt with Portfolio Recovery Associates directly. 

not only did portfolio recovery associates disregard my rights, they continually report an inaccurate/ incomplete file which they state is complete
Product: Mortgage

My name is XXXX XXXX XXXX, and my loan number is XXXX. Me & my mother have been customers of you guys since XX/XX/XXXX. & honestly there is nothing that we would change. Last year due to the Covid-19 we both lost our jobs and we unfortunately missed a payment in XX/XX/XXXX. Which then led us to taking advantage of your forbearance program for the remainder of the year, and 6 months of XXXX. We are happy to say that we have finally caught up on all of our payments and we are no longer in forbearance. & we are nothing but grateful for the opportunity they gave us these last 18 months to get back on track.. As a long time customer, officially in good standing - I am sincerely and respectfully asking that this good will adjustment for the late payment can go into consideration. It has been a pleasure having you as our mortgagee. They stated there was nothing they could do. This seems unfair as to I have never missed a payment.
Product: Bank account or service

Hello, I opened a Citi Gold Checking account XX/XX/2015 per the terms of the XXXX XXXX XXXX Advantage miles promotion. Promotion code : XXXX I have yet to received the miles posted to my account and it is well past the deadline. Citi bank is being unresponsive. 


In XX/XX/XXXX, I had completed the requirements of the promotion. In XX/XX/XXXX, after not receiving my miles, I reached out to Citibank via phone to see why I had n't received my points. They confirmed that I had met all of the requirements of the promotion and should receive my miles within 30 days. 

In XX/XX/XXXX, I had not received my points so I called again and they said that I needed to complete a XXXX in order to receive the miles. They mailed me one and I immediately filled it out and returned. 

In XX/XX/XXXX, I still had not received my points so I call again and requested to speak with a supervisor. The supervisor confirmed that I had completed the requirements of the promotion but that they needed my XXXX XXXX Advantage #. I provided the number and they stated that I would receive the miles within 30 days. I still have not received my miles. 

I feel that I have been scammed by Citi because I completed all of the necessary requirement and had that confirmed by multiple people at Citi, yet they have not followed through on their end of the deal. I have spent several hours on the phone and on secure messager over this issue. I am simply requesting that Citi deposit the promised XXXX XXXX XXXX miles into my account. 

Thank you,
Product: Credit card or prepaid card

On around XX/XX/XXXX l made a call to Capital One credit Department from my cell phone XXXX to apply for a Visa credit card instead of a Mastercard.

Capital One credit card Department approved Mastercard in ending # XXXX on XX/XX/XXXX and since XX/XX/XXXX l have been making timely payments each month.

On Monday.XX/XX/XXXX l made a call from my cell phone number XXXX to apply for a Capital One Visa credit card and Capital One Department administration Denied me the opportunity, because l am XXXX XXXX.

Capital One is in violation of my ADA Disability Civil Rights Act under Department of Justice.

Capital One credit card Department ran my credit with my Social Security number as Capital One already have all my information on their Data system.

Capital One credit card Venture card limit is around {$5000.00}.

I told Capital One, that l need it a Visa card to boost my credit scores so l can obtain a VA home Loan to purchase a home in XXXX, California and Capital One stated that they was going to provide me with support.

But, because l am XXXX XXXX and XXXX  l was Denied on Visa credit card.

I am been Discriminated and Retaliated as a XXXX XXXX XXXX and US Military Veteran.

My XXXX XXXX XXXX  pension income is sufficient equitable as l receive {$54000.00} @ year income from California Cal Pers XXXX    XXXX  pension income and is a XXXX XXXX income with a cost of living increase of 3 % COLA each year on XX/XX/XXXX.

I have made various calls to Capital One credit card Department to increase my Capital One Mastercard ending in # XXXX credit limit from {$500.00} to a higher amount.

But Capital One credit Department declines credit increase.

I am been Retaliated and Discriminated because of my National Origin and my file complaints against Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I recently reviewed my credit report and found an account that is inaccurate, and dont have a credit card for. I contacted the below creditors and they have NO proof I initiated such an account, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written or verbal, I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following account I dont recognized : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : address not mine XXXX XXXX XXXX XXXX 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 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 FCRA Violation : credit card not mine XXXX XXXX {$1200.00} XXXXXXXX XXXX {$1500.00} XXXX XXXX {$1400.00} XXXX XXXX {$840.00} XXXX {$1500.00} XXXX {$840.00} XXXX XXXX FCRA Violation : other loan never been late XXXX XXXX XXXX  FCRA Violation : collections not mine XXXX XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$1100.00}
Product: Debt collection

I called and asked for information about a signigicant debt that was added to my account as a collection with absolutely no information posted on it at all. After calling I learned it was for XXXX XXXX XXXX  but I've never had a XXXX XXXX XXXX account that I owed. last time I had XXXXXXXX XXXX XXXX was in XXXX. It's a little late to add to an account I didnt owe isnt it? When I called and asked for information about the debt the first person hung up on me, XXXX calls later Im able to talk to another person where they told me it was for XXXXXXXX XXXX XXXX  and that it was recent. Again I have not been a customer of XXXX XXXX XXXX since XXXX. I asked them to send me information to the address on file in which they stated information has already been sent multiple times, Yet I have failed to receive it. They didnt even have my phone number on record until I called. I have strong reason to believe it is not my debt and they keep changing the date adding it as a new debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputes the incorrect personal information on my credit profile number of times, still hasn't been removed. please help. address/ names
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with " XXXX XXXX '', " XXXXXXXX XXXX XXXX '' " XXXX and do not have a contract with " XXXX XXXX '' " XXXX XXXX XXXX '' XXXX XXXX  ''. They did not provide me with the original applications like i been asking for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance to the Fair Credit Reporting Act and XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 S states that I have the rights to privacy 13 U.S.C 1681 Section 604 H section 2 it also states that a consumer can not premise my account without my written instructions.
Product: Payday loan, title loan, or personal loan

Best Egg declined my credit application siting credit score as a reason when my credit score is better than the avg consumer.
Product: Credit reporting or other personal consumer reports

Hello ; I have an issue with EdFinancial who is servicing my student loans for the federal government. I filed chapter XXXX bankruptcy in XXXXXXXX XXXX XXXXXXXX and included in my list of creditors my student loans to the federal government. The loans being included in the bankruptcy were put on an automatic stay based on the information presented to me in AUTOMATIC STAY OF COLLECTION ACTION PURSUANT TO 11 U.S.C. 362 document by my lawyer XXXX XXXX XXXX. This automatic stay is in effect currently as my bankruptcy is still in active status as of the date of this complaint ( today XX/XX/XXXX ). Not only has the company reported out to the credit bureaus that I am XXXX days past due on payment of the student loans, but beyond that they also denied the dispute put in to XXXX XXXX stating that the information was accurate. I don't understand how I can be late XXXX - 119 days during the active period of a bankruptcy on a debtor listed in the bankruptcy. Also, I received a letter stating that I have a payment due on XX/XX/XXXX when I am still protected under the automatic stay and they also falsely reported to my bankruptcy lawyer that I have new loans as of XXXXXXXX XXXX XXXXXXXX that they are servicing and you can cross reference any records that I present with those from the Department of Education and you will see that I have not taken out any new education loans in almost 10 years. Furthermore, how would I be able to take out a new loan while in an active Chapter XXXX when I was informed that under a chapter XXXX bankruptcy, you are prohibited from taking on any new debt without the permission of the trustee. Also, I spoke to XXXX at XXXX on the phone and she informed me that I was being removed from the bankruptcy forbearance as of last week ( late XXXX XXXX ) and my XX/XX/XXXX payment would be due late XXXX because I was no longer protected under the bankruptcy XXXX ( which was a lie ) as the case was still active. This company has definitely violated the bankruptcy code. 

I'm also going to be filing a complaint with my state attorney general as well. 

The Contact information for EdFinancial is listed below : XXXX or XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX, and Trans Union, theyre reporting my student loans from XXXX XXXX as late which is untrue. I sent several letters stating that there should not be late payments and they refused to update their records. This was sent in XX/XX/2022.
Product: Checking or savings account

I opened a bank with XXXX  XXXX XXXX since XXXX. Everything was fine until now. 
On XX/XX/XXXX, I received an email that said my phone number and email addresses got deleted from Zelle, which means I can not use Zelle with XXXX  XXXX XXXX anymore. 
I called to ask reason why and what happened, they said they do not see any flags or reports that happen to my account, it might be a mistake. They suggest me to call Zelle instead. So I called Zelle and ask the same question, but instead of helping me, Zelle customer service said they can not access to my account because I enrolled Zelle on XXXX  XXXX XXXX app, so they can not do anything. But they provided me the information that my phone number got restricted and they believed XXXX  XXXX XXXX did that. So I called XXXX  XXXX XXXX again, explain to them what Zelle said to me, and they keep saying that they are not controlled anything with Zelle, they can not unblock me or unrestricted me, only Zelle can do that. 
So I decided to open a new bank which is XXXX XXXX, and it still saying that I am not eligible for using Zelle. In this case, now I believe Zelle blocked my information but they do not accept that and refuse to give me a reason.
Product: Vehicle loan or lease

In XXXX of XXXX after a billing issue, I filed a CFPB complaint against Concorde Auto Acceptance. In their response, I found thay my contract I had with them was not valid and Concorde was not present, nor was it disclosed that my contract would be transferred with my consent. Auto City Credit not only breach the contract, but also my privacy was breached when XXXX XXXX, who XXXX is XXXX XXXX, transferred my contract to Concorde Auto Acceptance, which is also XXXX XXXX XXXX, blindly without consent or knowledge, creating a trilateral contract that I did not sign. Since then I have had Concorde through usps ( federal ) harrassement and threaten criminal. When I sent XXXX XXXX and Concorde a cease and desist, Affidavit of Truth requesting financial records ( journal, ledges ( on and off ), account ( including tax ), which I am entitle too under USC and UCC. And rescind my contract based on their TILA violations and USC, CFR violations. XXXX XXXX, who suposedly " TRANSFERRED '' my contract to Concorde, filed suit and illegally attempted to tow it several times, breaching the contract and my right to arbitration. After enduring mental duress and stress from XXXX XXXX and Concorde, I came in knowledge of instruments, and sent XXXX, XXXX, XXXX, XXXX, XXXX, XXXX to XXXX XXXX XXXX XXXX XXXX, to discharge the debts and payoff according to UCC, USC, and, which he recieved on XX/XX/XXXX at XXXX, per certified mail receipt XXXX, alone with IRS Tto release my property fron interest and notarized statement accept all rights, titles, and interests as the agent to the account I have with them. XXXX and/or XXXX XXXX never repsond. XXXX XXXX then committed another violation, for the company recieved payment, but committed Auto theft and had my vechile towed, for if the court was in knowledge of this payment, they would not had the right to tow. I then recieved a certified letter from Concorde, that they were in possession of my vehicle and was going to file a XXXX ( one of which I already sent also with other instruments to Auto City XXXX XXXX who is over both companies ). I never signed a contract with Concorde, which makes them a debt collector and their letters come off as harrassement. I have since filed a motion to protect my federal consumer rights, which has been violated serversl times with both these companies. I have sent Concorde and CC/witness many agencies a Conditional Acceptance and am waiting on a response, ONLY VIA USPS. My next step with XXXX XXXX will stay legal and I will not disclose, I will also be selective to the documents I upload, for all documents will be used as exhibits in litigation and do not want their legal team to have access too, to early. I want to make CFPB aware and most likely I am not their only consumer who might have the same issue with XXXX XXXX XXXX and their past clients might not be aware of the breach in contact, privacy, or TILA violations and their rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company RMP Services LLC is using my information without my permission which is Identity theft. I have never done business with this company before. This company is reporting information on my credit report that is false. I demand they take off this slender to my credit file.
Product: Vehicle loan or lease

Yes I have a car loan through credit acceptance. I have paid on this car loan XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Through the mail. For as I don't trust this company with my bank account. My total car loan for each month is XXXX but every month I buy a money order for {$330.00} which is more than the car loan. I send it through XXXX every month on the XXXX because I am on XXXX and on a set income. They gave me a due date of the XXXX. I called this company and explained to them my situation. While I'm on the phone they are either rude to me a just blatantly lie. One gentleman told me he would up the payment to the XXXX yet when my bill came in it was still set for the XXXX. For the first three months I got no late fee and where I was paying XXXX I was knocked down to XXXX. Well come XXXX they tell me rudely on the phone I was over due. And rudely typed loudly and repeatedly insenuatuing that I need to be quiet. Exact words were " you need to hold on cause I'm explaining it to you. '' Then they was told you guys would be contacted and that's when the lady vigorously and loudly started typing and being very rude. The first three payment came in between 5-6 days and XXXX payment was over 11 days late. When asked why that was the lady rudely applied with the answer that they wasn't the mail carrier and that when the payment are received she can't help or have control on how long they are processes. I have read the reviews on this company and should have read them before the car loan but trusted a dealership would have not set me up with such a rude and hateful company. The reviews that show are true because that's what has happened to me. I need this car but I am terrified that I'm going to pay for this car and they pull another stunt like they've been pulling. I really need help.. 
Thanks
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : XXXX, Account XXXX : XXXX Under 15 USC 1692g . Validation of debts Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts XXXXXXXX XXXX XXXX, Account Number : XXXX Under 15 USC 1692g. Validation of debts Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts XXXX XXXX XXXX, Account Number : XXXX Under 15 USC 1692g. Validation of debts Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts XXXX XXXX Account Number : XXXX Under 15 USC 1692g. Validation of debts Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts
Product: Vehicle loan or lease

My father passed away a little over a year ago. I notified Nissan and continued to make the payments on his lease. I asked to assume the lease so that I can buy the car at the end of the term. 

Nissan made this process purposefully difficult. I have complied with every request in a long and arduous process. On their direction, I transferred the insurance into my name. 

Nissan just notified me in a very ambiguous letter that they are denying me for the assumption of the lease. When I called to ask why I was being denied, they told me that there was too little time left. This does not seem to actually be one of the reasons that they stated in their letter. If this is the reason, they dragged this process out on purpose. 

They tried to tell me that I could bring the car in at the end of the lease and then buy it for market value instead of the favorable price that it is in the lease contract. 

I feel I am being taken advantage of in a time of sorrow. I have good credit, excellent income and I 100 % qualify to assume this lease. I request that the CFPB help me assume the lease. I also request that the CFPB look into the tactics of Nissan. The lease buy out option is very favorable and they are trying to switch me into buying the car at market value. The ethics and legality of this tactic speaks for itself. 

Thank you for your help.
Product: Payday loan, title loan, or personal loan

This complaint involves XXXX XXXX  and their lender greensky. 
When applying for the 12 month no interest Greensky included a form authorizing payment in full to XXXX which initially seems like a reasonable form yet there is nothing in my contract that states that XXXX is paid in ADVANCE months ( 3-6 ) months prior to the windows actually being installed. when I called the representative with XXXX he unapologetic and even made reference to the form provided in the loan agreement with Greensky. This is deceptive and unfair to the consumer and should not be included in a loan application. secondly, this turns a twelve month no interest loan into a 6 month no interest loan. Realizing that the average consumer isnt going to start paying on a loan prior to work being completed. 
I respectfully request an inquiry into XXXX XXXX  and Greensky. Im certain theyre many consumer that are hit with 24 % interest from the inception of the loan due to this deceptive practice. It also leaves the consumer no way to even insure the work is done satisfactory when they have been paid in full months prior to work even being started. 
I have also contacted my State Attorney General with a complaint.
Product: Credit reporting or other personal consumer reports

My account has 5 past due accounts reported with 120-149 days late. This is incorrect, I was under a paid interest program, as i have been fighting with company for 3 months over. Ive attached a letter from previous complaints ive filed, but my credit company needs to be made aware and fixed.