23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I purchased a car on XX/XX/XXXX, and initially financed it with XXXX XXXX. After 30 days, I was informed that Carmax Auto Finance had taken over the loan and that my payment amount had increased. This was done without clear and conspicuous disclosure. I was not informed about my rights under the Truth and Lending Act, or my right to rescind the contract. This situation is unfair and deceptive acts and practices ( including bait and switch financing ) XXXX XXXX breach, I submitted in XXXX of XXXX and the claim was denied. I feel this should fall under the Magnuson -Moss Warranty Act. The XXXX XXXX XXXX  can be a debt trap when the consumer feels locked into an unaffordable loan leading to long-term financial distress.
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 measure to prevent and adress fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX **To : ** XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Formal Dispute of Inaccurate Reporting XXXXXXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute inaccuracies reported on my credit file under the XXXX XXXX XXXX account XXXX XXXX XXXX ). I believe these errors violate the **Fair Credit Reporting Act ( FCRA ) ** and **U.S. Code 1666b**. Please investigate and correct the discrepancies listed below.

**Violations Identified : ** 1. **Payment Status Inconsistency : ** - XXXX lists the payment status as " 60 days past due, '' while XXXX reports " Past due 60 days, '' and Equifax states, " not more than three payments past due. '' This inconsistency is misleading and a potential breach of FCRA 611 ( a ) ( 1 ), requiring accurate and verifiable information. 

2. **Date Discrepancies : ** - The " Date Last Active '' for XXXX ( XX/XX/XXXX ) conflicts with XXXX and Equifax XXXX XX/XX/XXXX ). Such inconsistencies violate FCRA 623 ( a ) ( 1 ) ( B ), which mandates data furnishers report uniform and precise information.

3. **Ambiguous Comments Section : ** - XXXX provides vague commentary that does not align with the other bureaus. Comments such as these can negatively impact my creditworthiness and do not adhere to the FCRAs standards for clarity and precision. 

4. **Payment History Error : ** - XXXX inaccurately reports a late payment ( 60 days past due ) for XX/XX/XXXX, despite my records showing no such delinquency. This late payment notation breaches **15 U.S.C. 1666b**, which outlines creditor obligations to ensure accurate billing information before reporting to credit bureaus. 
**Requested Resolution : ** - Conduct a comprehensive investigation into this account and correct any inaccuracies. 
- Provide written confirmation of all updates to my credit file upon completion of your investigation. 

Under the FCRA, you are required to complete your investigation within 30 days of receiving this letter. If the information can not be verified, it must be promptly removed or corrected. 

Attachments : - Copy of the XXXXXXXX XXXX XXXXXXXX account screenshot. 
- Copy of my government-issued ID and proof of address ( for identity verification ). 

Thank you for your attention to this matter. Please notify me of the results of your investigation at the address listed above. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed the Equifax Credit Bureau that I was the victim of identity theft, provided them copies of the ID Theft Reports I filed on my behalf. However, Equifax continues to report fraudulent information on my credit reports which is very frustrating and violates my rights as a consumer. The following accounts are the result of identity theft : XXXX/XXXX, $ {$490.00} XXXX XXXX XXXX XXXX, {$6500.00} XXXX XXXX, {$140.00} XXXX/XXXX, {$1000.00} XXXX/XXXX XXXX, {$630.00} XXXX/XXXX, 529 Dispute letters were sent out on several occasions, but fraudulent accounts remain.
Product: Debt collection

According to 15 USC 1692 c ( c ) that law states if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication with consumer. Reporting to my consumer credit report is form of communication.
Product: Credit card or prepaid card

My identity has been stolen. I got a letter tonight saying a loan has been denied I never applied for at Bank of America, and then i checked my credit report and they tried to open multiple credit cards with XXXX, XXXX XXXX XXXX & XXXX XXXX. I am so stressed out about this and have no idea what to do.
Product: Debt collection

XXXX XXXX did not notify myself in writing concerning the debt and also turned the account over to a collection agency without written notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of these companies hit my credit report by hard pull multiple times in a single day and on many different dates creating some ungodly amount ( XXXX ) of inquires on my credit report. All of these unauthorized pulls dropped my score tremendously to a point that puts me in a extremely poor position for a mortgage. I mailed each a detailed letter XX/XX/2022. No reply.
Product: Credit card

In XXXX of 2022, I called and paid off a Victoria Secret 's credit card I had. The agent gave me the confirmation number and confirmed the card was paid in full and closed. About XXXX  months later, I received a bill from them showing I owed almost {$400.00}. I called them, gave the agent the confirmation number, amount I paid in full, the agent 's name I spoke to in XXXX of 2022, and the fact that I had closed the account. The new agent insisted that I still owed the money. Now, I have been receiving statements from XXXX XXXX and it has been being reported to credit bureaus. The company did nothing, even though they were given the confirmation number by me.
Product: Student loan

I am in the rehab program with Coast professional. I just completed a rehab program with XXXX who took out payments via ACH. Coast however was drafting payments off my debit card. A couple months ago I replaced the lost debit card causing me to miss two payments within the rehab program barely catching it before 90 days. I had the money in there but received no call, email, or letter letting me know a payment was missed. Apparently they did not have my apartment number on file. 

I suppose I should be grateful that I was allowed to make a payment and continue the program. They told me that if I had not called within the next 3 days I would of had to restart the whole program from scratch and lose all my payments. I had made 4 payments before this happened, however they said because I missed two payments they were taking two payments away. So the payment that should have been my fifth was counted as my third. Essentially they pocketed a little under {$400.00} ( 2 payments ) of my money and extended out the length of the program a couple of months.

This just does n't make sense to me. Especially since I made two payments at once to get through the program faster and you are allowed to miss one payment during the program.
Product: Student loan

I am having a huge problem with them allowing me to pay down my unsubsidized loan. They wont allow on line payment, credit card payment or phone payment. I was instructed the only way was to mail a letter with a check and I was told to state to place at pay ahead status and for my sequence XXXX loan only to indicate which loan I was paying off. They told me this was the only way to pay off this loan of {$3300.00}. They did not do this and and only applied $ XXXX to the the loan. I used a check from my credit card company as the plan was to pay my credit card back as I wouldnt need to deal with the constant manipulation and unethical practices of this American Education Services. The previous month they put a payment in " suspension '' and I had to fight for a half a dy to get a refund. They also made me " prove '' I sent a check even though they acknowledged it was there. They are playing games and they tell me how to pay this loan off and then change the rules when you do it that way. They are operating in fraudlent manner and making it harder and harder to pay off loans. This unethical
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX  and XXXX XXXX XXXX sent this letter with all the other letters that Ive submitted on this portal. Still XXXXXXXX XXXX   afforded NO CONTRACTS BEARING MY SIGNATURE obligating me to pay the debts they are reporting. Still has not placed notice of DISPUTE on my Equifax and XXXX and XXXX  file within 30 days violations of the FCRA. The Attached Documents are LEAVING THE DECISION UP TO YOUR BUSINESS to do the right thing and remove this inaccurate and unverified information from my CR. Thank you for your considering my request.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Equifax is reporting inaccurate personal. Information on my credit report that do not belong to me. 

The following Address do not belong to me XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX The following Employer do not belong to me XXXX XXXX XXXX MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit card or prepaid card

I purchased a XXXX phone on XX/XX/XXXX that was financed through XXXX XXXX / TD Retail Card Services account # XXXX. I immediately began making the required payment of {$18.00} each month that my bank shows was paid prior to the XXXX of every month. At no time did TD Bank provide me with an account statement. 

Around XX/XX/XXXX I received notice by US mail that my account was past due about {$100.00}. I immediately contacted TD Bank and was informed that what appeared to be an error on their part the XX/XX/XXXX payment appeared late and therefore TD Bank had been assessing multiple late fees every month since. 

TD Bank agreed to waive all late fees and I paid the balance of {$200.00} in full. 

I then contacted TD Bank to learn that there was a mysterious balance of about {$4.00} remaining on my account and asked for an accounting. I have submitted two written requests and  received no response. 

In addition, I've requested that TD Bank remove the derogatory information they placed on my credit reports. Again, despite verbal and written requests, I have received no response.
Product: Credit reporting or other personal consumer reports

I am writing regarding unauthorized accounts on my consumer report that are linked to confirmed identity theft. These accounts were added without my written authorization or wet signature. Despite my previous communication about this issue, these fraudulent items remain on my report. 

Under the Fair Credit Reporting Act ( FCRA ), I formally demand the immediate blocking and removal of these accounts from my consumer report within 4 business days of receiving this notice. The presence of these fraudulent accounts has caused : - Significant emotional distress - Financial hardship - Inability to purchase a home - Difficulty meeting my family 's financial needs
Product: Credit reporting or other personal consumer reports

XXXX XXXX Verify this account XXXX XXXXXXXX Is not mine XXXX XXXX XXXX I never have late payments XXXX XXXX XXXX XXXXXXXX Is not mine inquiryss XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have an unverified account from IC SYSTEM. I had previously disputed this account. I have never done business with IC SYSTEM. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that IC SYSTEM provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that IC SYSTEM Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Student loan

During the past year I have tried to get a loan for buying a house and everyone says the company Ed Finacial are reporting I have over 100 late payments and i have exhuasted most of energy to try to get this removed. LOoks like single mothers that try dont get treated the same as the rest. I NEED HELP
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I created a XXXX time use card on the Klarna website to use on XXXX to rent a car. Klarnas website says if a XXXX time card is not used Klarna will cancel the card and payment schedule. I created a rental reservation at XXXX but when I attempted to use the XXXX time card created on Klarna I got an error message that the method of payment could not be used. I waited XXXX hours for the charges to be removed from Klarna and the card to be cancelled, they never were. I submitted a dispute through the Klarna website and got a notice that my dispute was cancelled. They are now trying to charge me {$560.00} for funds never dispersed on my behalf.
Product: Debt collection

These inquiries was not authorized by me and I did not communicate with this under the specified date
Product: Credit card

I had a Macy 's credit card account with a modest {$38.00} balance. Unfortunately I did not realize I had missed remitting payment, after a long history of timely payments and responsible account management. As of today ( XXXX ) The payment and all associated late charges had gone up to {$140.00}. In an effort to be responsible with my credit accounts, I never even activated the new Macy 's card that was sent to me ; I simply made phone-based payments in an effort to pay off my balance. 

When I called Macy 's this morning to remit full payment on the balance due, they indicated that the account had been referred to collections. I spoke with the collections agent and asked why I had NEVER received an email or a phone call indicating that my account was in jeopardy. Macy 's has both my phone number and email address on file ; in fact, I get no less than XXXX emails per week with advertisements regarding Macy 's sales and merchandise promotions! Their tepid response was that I should have received a paper statement in the mail. 

Obviously the late payments were an oversight on my part, and I accept responsibility for that. However, I do think it is inappropriate and a poor business practice to refer a person 's account to collections when no attempt is made to reach out via phone or email regarding the account status. This small balance not only netted Macys over {$100.00} in late fees, but the referral to collections is now going to adversely impact my credit rating. Never mind that I was a good customer and consistently made payments on time ; they were happy to let the missed payments add up so they could profit. 

In terms of how I have resolved this issue, I paid off the card in full, and have closed my account with Macy 's. I also intend to write a letter to Macy 's regarding their handling of this issue, but I hope that CFPB will continue to work with creditors on fair practices that do not adversely impact individuals who have very little recourse besides paying and moving on. A {$38.00} oversight on my part should not haunt me forever in the form of a diminished credit score.
Product: Credit card

On XX/XX/2024 XXXX XXXX XXXX charged my Credit card XXXX. This amount was disputed by me at the State Employee Credit Union XXXX XXXX XXXX XXXX XXXX NC. They did not close the dispute properly. The credit card was closed for this disputed amount XXXX a provisional refund issued at a much later date other XXXX charges then appeared and on XX/XX/XXXX a new XXXX was added to the new issued credit card a second XXXX was issued on XX/XX/2024. XX/XX/2024 XXXX was reissued to the disputed closed card and it was opened by the bank. I have emails from XXXX XXXX showing all charges were to stop on XX/XX/2024. Due to bank error I am now being forced to pay a monthly reoccurring charge of XXXX due to the banks error with the original amount. Please correct these errors made by the bank. I am tried of being forced to pay XXXX monthly due to this error. I am tried of a closed card being reopened to charge me a monthly fee of XXXX and the errors made by the bank and visa in handling of this matter. Please help get this corrected!! 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX Dispute over monthly charges of XXXX with State Employees Credit Union a closed credit card and late handling over this issue. I have emailed the bank in question with all the facts and have clear records of the errors made by the bank in regards to this issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : DEPT OF ED/XXXX XXXX  XXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, XXXX # XXXXXXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In my credit report, a XXXX XXXX account is inaccurately listed as a " collection account. '' This is incorrect because XXXX issued me a 1099-C form, confirming that the debt was canceled and is no longer collectible. This cancellation occurred in compliance with tax regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been charging me a subscription fee for 2 years and I can not access and have been locked out of my account. I can not use Experian and they are committing fraud by taking a fee for a service that is unusable and I can not get it corrected.
Product: Vehicle loan or lease

In XX/XX/2021 I leased a new XXXX XXXX from Tesla ( VIN # XXXX ). I live on the XXXX XXXX XXXX Hawaii and given that the dealership is in XXXX, Tesla arranged shipping of the vehicle from their dealership in XXXX to a port near my home on the XXXX XXXX. All of that was part of the destination fee. During the lease at some point their changed their policy regarding taking control of the shipping from remote islands to their XXXX dealership and I learned as I was nearing the end of the lease that the responsibility for getting the car back to XXXX was solely on me. I complained to Tesla and mentioned that the process to arrange private shipping is time consuming, expensive ( {$1500.00} ) as an individual and if I knew I would have to do this back in XX/XX/2021 - I would have leased or bought a different brand of car. 

Tesla appreciated my concerns and said that for my trouble I would be granted {$500.00} of excess wear waiver and they would waive my disposition fee of {$390.00}. When the time came to return the car ( this past XXXX ) I went through the shipping process and then received an invoice for wear and the disposition fee totaling {$1100.00}. The credits of {$890.00} plus sales tax were not included on the invoice. When I reached Tesla and showed them the note I received they said that given I was not getting a new Tesla I was not eligible for the credits. They played me between two of their departments saying " Department A did not get this approved with Department B so this note is not valid ''. Being put between the corporate bureaucracy at Tesla is not fair. Tesla finance refused to honor the granting of credit and I was already out {$1500.00} for shipping the car - having it driven to Tesla, checking on it daily for a week and hours of my time over several months. 

My request here is that I am refunded for the credits ( $ XXXX $ XXXX tax ) at minimum. I also believe that Tesla should be responsible for a portion of the shipping fee I had to incur to ship the car. When they shipped the car to me- the fee from XXXX to the XXXX XXXX was a lot less than {$1500.00}. I think they should also rethink their business practices of charging remote island customers given they were not transparent with me. 
Thank you for your help, XXXX XXXX