23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

My name is XXXX XXXX, and I am a customer of North Lane. I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to address the misleading practices and customer service misconduct I have encountered with North Lane. On Monday, XX/XX/year>, I made a {$14.00} ( and some change ) gas purchase using my North Lane prepaid card at XXXX XXXX. Subsequently, a hold was placed on my account, preventing me from accessing my funds. ( Witch is not my grievance ) Upon contacting North Lane, I was given conflicting information about the hold. 
Encountered : I experienced the following issues : Misleading information provided by North Lane representatives regarding their involvement in placing the hold.Failure to acknowledge responsibility for the hold despite evidence in the terms of service agreement.Wasted time and frustration due to conflicting information and lack of transparency.Evidence Provided : I am willing to submit the following evidence : Screenshots of the terms of service agreement highlighting relevant clauses. Request for Action : I request the following actions from the CFPB : Investigation into North Lane 's practices regarding customer service and transparency.Enforcement of regulations to ensure fair treatment of consumers.Compensation for any damages incurred as a result of North Lane 's actions.Conclusion : In conclusion, I urge the CFPB to take action against North Lane to address the misleading practices and customer service misconduct I have experienced. Despite their terms of service clearly stating otherwise, North Lane representatives denied responsibility for the hold on my account, causing unnecessary confusion and inconvenience. I appreciate your attention to this matter and your commitment to protecting consumers ' rights.Contact Information : XXXX XXXX XXXX XXXX
Product: Credit reporting

I have previously submitted a certified letter on XXXX XXXX XXXX and XXXX XXXX XXXX which was received and signed for requesting that a dispute be initiated for a XXXX account which is reporting incomplete and inaccurate information on my Credit Report. After the dispute process this account was verified and still displays information which is incomplete and inaccurate. The following is a list of incomplete inaccurate or information contained in XXXX account XXXX 1. Balance amount due is XXXX, and charge off amount is XXXX Account reports no payment history in prior to XXXX 2. Payment history reflects paid in XXXX XXXX however first delinquency reported as XXXX XXXX in account notes. 
3. First major delinquency reported as XXXX however payment history reports charge off in prior months begging in XXXX XXXX. 
4. No payment history prior to XXXX however account was open in XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The date provided in for chapter XXXX bankruptcy is inaccurate my public record states that date I filed is XX/XX/2017, my actual filing date for chapter XXXX is XXXX XXXX per letters from courts Im requesting that it be deleted from my report I have reached out several times via certified mail to Experian they verified that public records were accurate.
Product: Debt or credit management

The CFPB ordered Navy Federal to refund over {$80.00} XXXX in fees improperly charged to affected customers. The largest credit union in the U.S. is also barred from charging illegal overdraft fees. The {$15.00} XXXX civil penalty will go toward the CFPB 's victims relief fund.
Product: Vehicle loan or lease

The account in question is regarding a vehicle leased in XX/XX/XXXX. I traded this vehicle in on XX/XX/XXXX. I told the dealership the payoff amount and the date at which this payoff expired. I called Chrysler Capital several times in XX/XX/XXXX to confirm they had received the pay off for the account. I was told the amount was received on XX/XX/XXXX and that the funds were being processed. I was also told I no longer needed to worry about the account and no further payments would be required. On XX/XX/XXXX, Chrysler Capital reported my account 30 days past due. After logging in to my online account, I can see that the {$47000.00} payment was marked effective XX/XX/XXXX. I do not believe this account is past due, or was ever past due, and the fact that the payment was marked effective XX/XX/XXXX proves this. My personal credit has gone down over 40 points due to this, and my business line of credit has been reduced due to incorrect information reported on my credit report. When I contacted Chrysler Capital they advised me there was nothing they could do, and that it was my fault the account is delinquent even though their own transaction history says otherwise.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 XX/XX/XXXX and XX/XX/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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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: Credit reporting, credit repair services, 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 : U.S. DEPARTMENT OF EDUCATION # XXXX, U.S. DEPARTMENT OF EDUCATION # XXXX, XXXX DEPARTMENT OF EDUCATION # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX 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

Im seeking your help with the wrong account that is currently showing on my credit report. The impact on my reputation has been deeply troubling, and I need your help to address this. Due to your mistakes in handling my credit, my reputation has suffered greatly. You need to correct these errors to allow me to live peacefully with my family.
Product: Credit reporting or other personal consumer reports

XXXX {$64.00} LISTED ON MY CREDIT REPORT IS NOT CORRECT THE COMPANY AGREES I OWE {$0.00}
Product: Student loan

I have contacted XXXX XXXX now Navient about accounts that has been listen on my credit report same account under both names with the same account number. The have been reporting an account that should not have been open on my credit report and refused to investigate the account to see. I have asked them repeatedly to investigate the account. They are also reporting the wrong delinquency dates for other account as well.
Product: Checking or savings account

My wife and I received a letter dated XX/XX/2018, that all of our accounts, including my daughters savings account, were being closed. There was no reason given, and I attempted to find out why and was shut down. I have requested a copy of my report from XXXX XXXX, and as of now, have no idea why my accounts were shutdown. I have not overdrawn any of my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX, USDOEXXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I have a loan with Lendmark. A representative called on Friday XX/XX/year>. Several issues occured. I ended the call after advising it was not a goodd time. She immediately called back and started yelling at me at the top of her lungs making me more upset and stressed. I asked for a recording of the call. Lendmark advised that they do not record their calls. I advised that a financial institution must have some sort of recording method. I also was advised a deferment. I was then told I didn't, and then told again I did. This was a horrible experience.
Product: Checking or savings account

I have been paying my bills through USAA for years and all payment to this point have been electronic transfers on the date I requested. recently when I scheduled a credit card payment of {$5100.00} to XXXX XXXX. I revied my account to ensure that the electronic transfer was completed as scheduled and when I saw my account USAA 's status noted that instead of an electronic transfer, they had mailed a check to my XXXX account on XXXX XXXX. I had asked them to pay the bill on XXXX XXXX as it was due on XXXX XXXX. I called the bank when I discovered that they had changed to a mailed payment vice an electronic transfer. The customer service said that their system randomly decides if it will be electronic transfer or a mailed check.

I told them I was concerned about the payment arriving on time and they said the system if it mails a payment in enough time to meet the requested date. I filed a complaint with USAA about their changed process at this time. I checked my XXXX account, and the payment did not arrive when I had requested on XXXX XXXX. I called USAA about the no receipt and my concern that my payment was going to be late. Their answer was if there is a late fee assessed I can request reimbursement from USAA. I again filed a complaint with USAA and asked for a supervisor to call me their answer was their supervisors have the same information and there was no use in talking to them. I checked my XXXX account on XXXX XXXX the payment due date and the USAA mailed check did not arrive, so I paid directly on the XXXX website. The USAA mailed check did not arrive until XXXX XXXX. 

USAA changed their policy on method of payments of external accounts without notice and this caused me to have to make two payments to XXXX to ensure my account did not become delinquent. This also caused me to have to expend {$5100.00} early to ensure USAA 's actions did not negatively affect my credit. Allowing me to claim a late fee is inadequate and USAA needs to tell all customers that they may randomly send payments by mail without notice and that USAA can no longer be relied on to pay external accounts as requested.
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and realized some inaccurate accounts reporting to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are reporting non compliantly on my credit report and should be removed immediately as per FCRA. Supporting documentation is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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
Product: Credit card

This is in respnse to complaint XXXX The telephone number of the person I referred a few weeks ago ( NOT XXXX XXXX  ) is XXXX. The name is XXXX XXXX. XXXX XXXX is XXXX. Please give me teh XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES that are inaccurate and were not my fault. Please remove the negative items from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I noticed several inaccuracies and unverifiable items on my credit report, which I formally disputed under the Fair Credit Reporting Act ( FCRA ). The items in question include incorrect personal information, inaccurate accounts, collections, and unauthorized inquiries. I asked for proof of the accuracy and legitimacy of these items, including supporting documentation for the reported accounts, collections, and inquiries. I also requested that unverifiable items be removed and that I receive a hard copy of their findings and an updated credit report. 

Furthermore, I pointed out a concerning practice of issuing standardized form letters in response to disputes, which is not in compliance with the legal requirements of the FCRA. Under 15 U.S. Code 1681i, consumer disputes must be individually reviewed and processed. I stressed that I authored all correspondence and emphasized the legal obligation to act promptly on these disputes. Failure to address these matters in accordance with the law could lead me to seek legal remedies.
Product: Debt collection

Took out furniture loan with a comp in Florida. Tried to negotiate with them in regards to the matter due to XXXX XXXX. They refused to work with me. They sold the debt to Avante USA located in Texas. Avante is the one I am writing this complaint about. Since they purchased this dept they have been reporting to all three credit reporting agency. What they have been doing since the start is the first of every month they are reporting that this is a new debt. They purchased this debt sometime last year. This company has been resetting this debt clock every month by falsely reporting the debt start reporting date they have been doing this since they bought it. If I understand the FCRA they are not allowed to do this. I only know about this company thru my credit report. I have not had any mail or contact with them at all.
Product: Credit card or prepaid card

I would like to make a complaint about Bank of America EDD card locking me out for a full year for no reason. I have documentation of everything I tried to do and was told to do that didn't help. How many hours and days turned into months on the phone trying to get help. I developed XXXX over it. I have never in my life made a complaint or received benefits. The dishonesty on such a large scale has me viewing my world in a way that I can no longer trust anybody. I have since lost everything I worked so hard for. I had to sell everything to keep a roof over my husband who was hospitalized and received a XXXX XXXX at the same time the bank and the employees would help me get to anybody to fix the issue with my debit card. I questioned my own mind thinking I didn't know my own phone number is how bad it got. Now that we my husband and I are in a better place... Not our home we worked so hard for but alive I want to be completely covered with all the damaged by holding back what I was untitled to. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I borrowed {$500.00} from First Heritage Credit. I previously borrowed {$6000.00} from First Heritage Credit on XX/XX/2021. I paid both of these loans in full at the same time, same day. I understood that my payments due were XXXX as of that date. At this time, they were in the process of changing computer applications, and I believe incongruencies occurred at that time. Hopefully, data was not lost as I suspect it was. Several months later I received a bill from them for {$260.00}. They are continuing to charge me for an account which I previously paid in full. First Heritage has made an error in their record keeping. I discussed this matter with XXXX at the XXXX, TN, office and clearly stated that I was not responsible for this money as it was their error. I am unable to access my account information, such as my account number to provide documentation to confirm that this account was paid. As I believed my business with First Heritage was closed, unfortunately, I threw papers away. Either they are incompetent or dishonest. I am prepared to take further measures if they can not resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

TRANSUNION COLLECTION : XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) Balance {$390.00} INQUIRIES : XXXX XX/XX/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 Original Creditor : XXXX XXXX XXXX ) Balance {$390.00} INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/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 XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

i had problems transferring funds from my brokerage account with Robinhood into my checking account. Robinhood does not have a live customer service number, and the online chat does not respond to your queries, and at times there is no way to contact Robinhood because the app states that they are experiencing a high load of customer service requests and is unable to load chats or give callbacks. The app deliberately shirks its duty to provide customer service.
Product: Credit card or prepaid card

Bank of America refuses to accept accountability for the failure of their autopay system to pay a bill on my credit card, leading to a late payment reported to the CRAs.  I have never had a late payment in my life and have autopay on all my cards.I'm in the process of purchasing my first home and the falsely reported late payment caused my credit score to drop 106 points.BoA refused to take any action for this.
Product: Debt collection

In XX/XX/XXXX, I received a collection notice from Linebarger Goggan Blair & Sampson in the amount of {$92.00} for XXXX XXXX XXXX State toll collection charges. I immediately called to dispute the charges, and let them know that my XXXX account was closed in XXXX when I moved out of state to XXXX state. I let them know that I physically had not been or driven any vehicle in the eastern seaboard in a decade, and this was not my charge. I asked them to verify or remove the charge and they refused. I subsequent received a second collection notice and called them again on XX/XX/XXXX. I once again called them to say that it was not my charge. They again refused to verify the debt or remove it. They gave me the information that the toll was incurred by an XXXX car with XXXX license plates in XX/XX/XXXX. I let them know that I never owned nor drove an XXXX car, nor have I ever owned a car registered in XXXX XXXX. Additionally, I was not in or near XXXX XXXX state in XXXX. My vehicle is not an XXXX, has XXXX state plates and has never been in or near the east coast. They continued to still refuse to work with me, and refused to verify the debt. I believe that this is predatory collection practices as it's clear that this is not my debt.
Product: Mortgage

My lender keeps on lying and giving false information. I submitted an application for loss mitigation to keep my home but they stated the investor does not offer Modification that is why there was no review made. They accepted the application and now they are telling me that my application cant be reviewed when they clearly said that I have options. They are not helping me at all with situation. All I want is help to save my home and have my application reviewed and modified.
Product: Debt collection

I have made multiple requests for this information, but unfortunately, I have not received any responses. Furthermore I have explicitly communicated that this situation potentially constitutes invoice fraud, which should neither have been reported nor allowed to continue. Despite my repeated inquiries, the information I requested have remained unprovided.
Product: Credit reporting or other personal consumer reports

Hi this keeps happening where it says that Im applying for credit cards that Im not signing up for because I know I dont want anymore credit cards. Ive also been sick and I just cant have credit cards right now! 

So this isnt me! 

Please fix off my credit card. Thank you