23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a leading subprime auto lender, will pay {$11.00} XXXX to settle claims that it misled customers about the. 
If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 
XXXX XXXX : XXXX  XXXX credit card holders who had debts released in a Chapter XXXX bankruptcy, can get cash from a {$10.00} XXXX class action settlement. 
HIPPA
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX 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 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 XXXX 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: Mortgage

Asked for Covid-19 extension to payments for XXXX, XXXX and maybe XXXX. Absolutely no phone or email response from Dovenmuhle mortgage. 
Additionally, since the Loan origination the property has increased in value in part due to upgrades but Dovenmuehle mortgage refuses to acknowledge current sales prices / appraisals for exact same floor plan Which would do away with PMI insurance currently at {$160.00} per month. In addition I prepaid the entire year of home owners insurance, so again no need for an escrow account regarding this expense. I sent all information to Dovenmuhle insurance with email given. I want to suspend next 3 months payments without any negative report on my credit. 
Furthermore I used the online loan solution page and was denied even though my industry is shut down due to Covid-19!!
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/2024 I tried to access my XXXX XXXX XXXX XXXX from Experian through the " XXXX XXXX  site. I was unable to access my credit report online. In their FAQ section, I saw a reference to a mail order form called the " XXXX XXXX XXXX XXXX Form ''. I was unable to find that form on their website. I had to come to the CFPB website to find it. I found it quickly here. And the link was located on THEIR WEBSITE! It's shameful that they hide the form from consumers. 

This borders on willful negligence on the part of the credit reporting agencies that XXXX XXXX. They are creating barriers to providing information that's protected by law. 

I sent a complaint through XXXX  as well. Please keep them accountable. And make them do better by consumers.
Product: Debt collection

I have a fraudulent account on my credit report that I have never heard of.
Product: Credit reporting or other personal consumer reports

MADE MY XXXX PAYMENT ON XX/XX/23. I DID NOT SEE THE PAYMENT ON MY ONLINE STATEMENT AS PROCESSED. I CALLED XXXX ON XX/XX/XXXX  TO ASCERTAIN WHY PAYMENT WAS NOT SHOWING AS CLEARING MY ACCOUNT. I TOLD THE CUSTOMER SERVICE AGENT THAT I WANTED TO MAKE ANOTHER PAYMENT AS I WAS UNSURE AS TO THE STATUS OF THE PREVIOUS CHECK. SHE ASSURED ME THAT IT HAD GONE THROUGH FOR SURE. AS A RESULT I DID NOT MAKE THE PAYMENT AS PLANNED, RELYING ON HER ASSURANCE. THE NEXT XXXX XX/XX/, I CALLED AGAIN AND WAS TOLD THE PAYMENT HAD NOT GONE THROUGH. BASED ON THE INCORRECT INFORMATION I WAS GIVEN I WAS NOT ABLE TO MAKE ANOTHER PAYMENT WHICH WOULD HAVE BEEN TIMELY. 

I AM COMPLAINING ABOUT XXXXXXXX XXXX XXXXXXXX. MY PAYMENT OF {$1400.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I found this website for XXXX XXXX XXXX, https : //XXXX/, and sent a request inquiring about this one puppy we found, named XXXX. Almost instantly we got a response from and we exchanged emails regarding XXXX. I was asked some questions which breeders normally ask and I responded. The so-called breeder asked for a {$500.00} price through XXXX or XXXX XXXX. I had used XXXX in the past and thought it is trustworthy. I transferred the money to his XXXX email id, XXXX using my USAA XXXX Account ending in XXXX. He confirmed that he received the money and that he will start the process to ship the puppy immediately. Then I got another email that the shipper will be contacting me, and that the shipper will ask for a refundable crate fee and a shipping fee. Later that evening I got an email from some XXXX XXXX. There was no address or XXXX ID in the invoice that was generated, and I couldnt find any footprint of a business by this name on the internet. I was surprised to see that they are asking for {$930.00} for a crate, and {$30.00} as shipping fee, and the payment has to be made using XXXX or XXXX. That is when it struck me that this is some kind of fraud. I left a voicemail on the number on the invoice and got a call from this person immediately afterwards, who was trying to convince me that the puppy will be sent by air and would reach the airport later that night ; and that the shipper had local contacts who would pick the puppy up from the airport and deliver the puppy to our home. ANd when they deliver the puppy, they would also refund the {$930.00} crate fee. All this sounded too funky for a shipping business. I immediately contacted the owner, who again tried to convince that XXXX XXXX are very trustworthy and that he has been using them for years. I asked him to use uShip or my friend in Minnesota would pick the puppy. He showed reluctance for either. In the mean time, I called my friend, XXXX XXXX, and told her the complete story. She immediately sent another request inquiring about XXXX XXXX XXXX, the two puppies on the website. Strange enough, the breeder sent the exact same message to her and asked for the money to be sent via XXXX. She said she can not give cash and ended the conversation. Then a couple of days later she again contacted the breeder and asked if he would give XXXX for {$400.00} and he immediately agreed. That is when my friend included me in that email chain and exposed the fraud in open. Since then, I have been sending emails to this person but he is not responding. I contacted my bank USAA the next day disputing the transaction, but the bank has refused to honor the dispute. The reason I am now reaching out to this agency for resolution.
Product: Money transfer, virtual currency, or money service

Mu neighbor stole my phone ftom my apartment withou3me knowing he had done so. I had fallen asleep talking to him and once i fell asleep he took advantage of the situation. I woke up anout 45 minutes to an hour later and my phone was gone. He wax the only person there when i fell asleep. I went tl his mom 's apartment and she told me he wasn't home. Believing her i went back to my apartment. About 6 hours later i saw that he was online chatting..so i went back to hod moms apartment and he was there ... there was a slight strughle but i was able to get my phone back but hy then he had already apklied for a cash app card in my name. I caceled my credit cars and febit card. But i didn't know abour the cash app that he had opened in my name and started a scam on people. I sent cash app this infornstion and thats all i know. I have no idea what cash app plans to do ... his name is XXXX XXXX he also goes by XXXX XXXX XXXX who is XXXX West Virginia at XXXX XXXX XXXX is the building number and the apartment I do believe is XXXX or XXXX ... i also went to the XXXX police department and was told thaf since i recovered my phone thst i couldnt press charges gor him stealing it ... and that i needed proof..that cash app had to send them something ... i wany this punck behind bars.. he has cashed several dead people 's checks stimulus checks ... this perdin is known to have done all this stuff. From what i have been told he is receiving a dead mans social security money.
Product: Vehicle loan or lease

I completed an auto loan with PenFed ( jointly with my Dad ) in XXXX. XX/XX/XXXX I totaled my truck due to Hurricane Florence. I immediately filed insurance and XXXX claim that I purchased through dealership. After no contact from PenFed, I called them in early XXXX to ensure my balance was satisfied and the rep assured me that my loan was settled IN FULL. XXXX ' of this year ( XXXX - 38 months following ) I was told by another lender that I had a delinquent loan with PenFed with a balance of around {$1500.00}. My fiance and I have called numerous times with countless broken promises of investigation. Multiple reps informed that I owed the balance but couldn't determine why. Meanwhile, my credit ( livelihood ) is deteriorating by the day. I finally spoke with one rep that encouraged me to contact the XXXX company. XXXX advised that my insurance compant did not add the towing/camper package to my settlement amount ( {$430.00} ) and they did not pay this portion ( of course I was never advised ). I then contacted my insurance company ( XXXX XXXXXXXX XXXX  ) and they stated that PenFed sent them a letter of guarantee that confirmed the amount that they offered to settle ( {$28000.00} ) -- They weren't ever notified that the towing package was not added properly to the settlement and we have now surpassed the three year period. The insurance agent sent me the Letter of Guarantee from PenFed and a copy of the cleared check that they negotiated for the total loss - PenFed cashed this check on XX/XX/XXXX but did not apply to my loan balance until XX/XX/XXXX until they received the XXXX settlement ( two reps advised me that they can not process the insurance check without XXXX -- So, I was charged 112 days of interest on {$28000.00} unnecessarily ). Today, after ANOTHER rep stated " Ma'am, you just owe the balance, you didn't pay it off completely and it's too far back for me to understand why '', I demanded to speak to management. " XXXX '' over collections advised that he did see notation that a rep advised me in early XXXX that my full balance was settled and apologized for this. I haven't been sent a statement since the end of XXXX - No knowledge of a left over balance or discrepancy with insurance/GAP. XXXX advised he is contacting his " management near the West Coast '' but no time frame of resolution. I just had a newborn son in XXXX and I plan to purchase a house for my family. This has significantly reduced my credit worthiness when I have worked so hard to improve it ( for my family ) over the last two years. I did not mind paying a balance if I truly owed it but over ten employees could not determine why and/or how I owed a remaining balance -- " I just did. '' I am hoping my disputes sent to XXXX, CFPB, and XXXX will ensure PenFed will contact me and make this right. I am truly at a loss of words of how unethical and poorly treated I have been since I was made aware of the remaining balance a couple months ago. This situation does not sit right with me and I want to ensure it does not happen to anyone else. 

Thank you in advance,
Product: Mortgage

My husband and I are unable to work due to an extreme illness. Unfortunately, were unable to keep our home so we listed it for sell with XXXX XXXX XXXX XXXX. Due to the distressed condition of our home, and not able to pay for repairs, we elected to pursue a short-sale. However, my lender has delayed this process for nearly 8 months and still have n't approved it as of today. My Realtor has presented an offer that complied with the market value of our home. The negotiator for the lender will not return emails nor phone calls to update us with a status. We have reached out to their supervisor only to get the same results no response. I was told the contract presented to the lender for short-sale approval has been accepted, and will be submitted to hud for approval of low net based off of FHA guidelines. We have been neglected and very disappointed and stressed due to being treated so unfairly by our lender. I am not sure why this happening, but I am beginning to draw my on conclusion for such unprofessionalism and rude behavior toward their borrowers in such a very distressed and sensitive time. I desire our lender to provide the services that are available to us without prejudice or judgment. Please Help!!!
Product: Checking or savings account

I got a deposit into my account and the bank put a hold on my account not allowed me to have access to the funds. I called and told the I drove for drive share and it doesnt require me to have a business bank account because Im a XXXX XXXX worker and they have been holding my funds for 2 months.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to EXPERIAN due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable accounts, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, accounts status and payment history are still reporting. 

My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I opened a Regions checking account around XXXX last year, during the process I mentioned the personal banker who was assisting me in opening the account specifically if I would qualify for the {$200.00} incentive plus the {$50.00} referral bonus from being referred with my Individual Tax Payer Identification Number aka ITIN. She proceeded to ask her manager, she came back and said YES! You will qualify for the incentives plus the referral bonus with an ITIN. 
Months passed and I noticed under their OfferTracker website all the requirements were met except one saying the following : Valid TAX ID Required : NO I called the bank and asked why my bonus hasn't posted yet after meeting all the requirements, after multiple attempts with different representatives/managers they kept saying I did not qualify solely for the reason of not having Social Security Number ( SSN ) and that the system can not generate a form 1099. 

What I have explained to them at the branch, during a phone call, and thru social media : 1 ) When I opened the account the banker told me I will qualify for those incentives with my ITIN. 
2 ) A form 1099 can be generated using my ITIN, and that is the actual purpose of having an ITIN, to be able to report taxes in the US. 
3 ) OfferTracker website indicates " Valid TAX ID Required '' and an ITIN or SSN are both VALID TAX ID. 
4 ) No description about saying SSN is required in the fine print for both the {$200.00} Incentive or {$50.00} rewards gift card for the referral program. 

I have not given any solution to this, and also the Regions bank are not willing to help.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Debt collection

I received a call and message ( using my na me ) from  Student Assistance Corporation on my cellular phone which is on the national do not call registry from someone who stated in the message that they were attempting to reach someone with the same last name as me about a student loan.
Product: Mortgage

As of XX/XX/2021, I have requested SPS Financial to debit my XXXX XXXX Account ( XXXX ) for an Escrow ( Taxes and Insurance ) payment of {$900.00}. I am behind on my Escrow payment and am making good on my debt - I want SPS Financial to accept my payments so that they can not somehow sell of my home in the future in a tax sale. Further, I have setup a complete payment of {$2100.00} for XX/XX/2021 so that there will be no partial payments.
Product: Credit reporting or other personal consumer reports

Today, I was alarmed to see incorrect accounts appear on my credit report without explanation. I review my report regularly, but this time, I encountered unexpected discrepancies. Hoping it was just a system error, I refreshed my browser, but the inaccuracies persisted. Therefore, I am requesting a thorough examination of the documents I have provided so that I can put this concern behind me for good.
Product: Debt collection

I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP. This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.
Product: Mortgage

XXXX stopped my automatic payment for some reason. I noticed in XXXX that XXXX had not been paid. So I mad a double payment ( XXXX XXXX ) plus {$400.00}. For a total of XXXX I checked on XX/XX/XXXX and the website showed I was delinquent for XXXX. I called and was told by XXXX the funds were in suspense and it would take about 4 days to allocate the funds. On XX/XX/XXXX, it still showed I was delinquent for XXXX. I called and an XXXX said it would take a few days. I emailed XX/XX/XXXX and recapped what had happen and that I was going to call my attorney if it was corrected by XX/XX/XXXX. My attorney instructed me to file with you. Attached is the email that I sent my attorney for his records.
Product: Credit reporting, credit repair services, or other personal consumer reports

CitiCard, allowed a person to open a secured credit card, with the deposit from another a 3rd persons checking account. Without verifying where the deposit was coming from, never requesting a copy of my DL, SS Card, or banking records. At that time of my life, I didn't even have a Checking Account or Savings Account. I have sent them in a affidavit, police report yet they will not remove if from my records. Yet on XX/XX/XXXX they removed/deleted from my XXXX FILE and on XX/XX/XXXX removed/deleted from XXXX, yet want to allow XXXX to keep it on file. So it seems like a 50/50 draw. 50 percent there saying its mine, 50 % its not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check My credit. There is an Account That I did Not Authorize nor did I give anyone Consent to open Any account using my Personal information. 
This is Fraud.
Product: Credit reporting or other personal consumer reports

These accounts have resulted in fraudulent XXXX  score reductions, fraudulent hard inquiries appearing on my consumer credit report, and fraudulent reporting to my consumer file. 

I have attached a redacted and notarized police report as well as a copy of the FTC Identity Theft Affidavit with this complaint. Given the fraudulent nature of these accounts, I demand that you remove all accounts, collections, or hard inquiries as identified above from my consumer credit report. 

All of the above-referenced accounts, collections, and hard inquiries are the result of identity theft and fraud and have not been opened by myself, nor have I authorized any party to open said accounts on my behalf. I demand that all items related to identity theft and fraud be permanently deleted from my consumer credit report pursuant to FCRA 605B ( 15 U.S.C.
Product: Credit reporting, credit repair services, or other personal consumer reports

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.