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

I have tried unsuccessfully for the past several months to have two accounts removed from my credit report that have surpassed the 7-year reporting period of negative items. One is XXXX XXXX, which first because delinquent in XX/XX/XXXX, the other is XXXX XXXX, which first became delinquent in XXXX, and XXXX XXXX. The current reports ( XXXX ) issued by the bureaus don't show the year XXXX in which the account first became delinquent, thereby extended the period the account can be listed. I have contacted the creditor and the credit bureaus ( XXXX XXXX, XXXX, and Experian ). 
The Federal Credit Report Act [ 15 U.S.C.1681C ] Requirements Relating to Information Contained in Consumer Reports : Running of Reporting Period : The 7 year period shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, which is earlier ), charged to profit and loss, or subject to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

If I have misinterpreted this statue, please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I realized that I was being charged {$24.00} per month for Experian 's Credit Monitor service, so I cancelled the service and wrote Experian an email to ask when did I agree to this charge? And, I asked for any refund possible. As a side note, I use XXXX XXXX to monitor my credit for free. I received a refund for the latest {$24.00} charge and was somewhat happy with that. However, on XX/XX/XXXX and XXXX, I paid down my four credit cards. I paid down XXXX XXXX card by about 12 %. I paid down my XXXX card by 7.5 %, and paid down my XXXXi card by around 40 %. I paid off the {$46.00} on my XXXX card, and my student loan has also been paid off in full. So, I expected that after these payments posted that my credit score would go up. However, my Experian credit score decreased by XXXX points, from XXXX " Very Good '' to XXXX " XXXX ''. 

I feel that I am being penalized for cancelling Experian 's Credit Monitoring service. My XXXX score is XXXX and my XXXX score is XXXX, but neither of the latter two credit reporting agencies have been updated after the payments I made above.
Product: Credit reporting, credit repair services, or other personal consumer reports

You broke the law and are in violation!!! I have enclosed all documents which includes ( Previous CFPB complaint, copy of my drivers license, identity theft report, & statement with instructions ). ( Please see attachments )
Product: Credit reporting or other personal consumer reports

I was denied a bank account with XXXX XXXX due to accounts and transactions that were furnished to my XXXX XXXX XXXX consumer report from Truist XXXX BB & T. After having XXXX XXXX XXXX  investigate the accounts, they confirmed that the information furnished by Truist XXXX BB & T was not 100 % complete, accurate, or verified ( I have proof in the attachments ). Under The Fair Credit Reporting Act the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The inaccurate reports caused damage to my financial reputation and humiliation. Also, this information should have never been in my consumer report in the first place because pursuant to 15 USC 1681 ( 2 ) ( A ) ( i ) a consumer report containing information solely as to transactions or experiences between the consumer and the person making the report is prohibited, especially without my permission.
Product: Credit reporting or other personal consumer reports

XXXX is in violation of the settlement agreement for the identified predatory loan. They were supposed to clear my credit report of derogatory marks related and wipe my it off due to being identified as a predatory loan. They have now moved back to their previous tactics of reporting and updating my status as late payments for a charged off account and harassing me via phone and email. 

I am writing to formally notify you that XXXX XXXX XXXX XXXX ongoing notifications and listing of repossession of my vehicle, associated with Loan/Account Number [ XXXX ], is in direct violation of the settlement agreement in the case of *XXXX XXXX 
XXXX XXXX XXXX XXXX, finalized in XX/XX/XXXX. 
Based on the terms of the settlement, particularly as outlined in paragraphs 10, 11, and 12 of the agreement, XXXX is required to provide certain consumer relief, including : - **Paragraph 10** : XXXX shall not repossess vehicles for consumers who had a loss forecasting score of XXXX or less and had defaulted without having their vehicle repossessed as of XX/XX/XXXX. 
- **Paragraph 11** : XXXX is obligated to waive the deficiency on loans it owns for Mandatory Relief Consumers , including those with a loss forecasting score of XXXX or less. 
- **Paragraph 12** : A moratorium on collecting or selling certain consumers loans is in place, specifically regarding Deficiency Relief Consumers. 
As a participant in this settlement, I believe my attempted vehicles repossession is in violation of these specific provisions. I request an immediate review of my account and the situation, with a corrective action to remove degrading marks from my credit and ongoing updates to further sully my credit score.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX XXXX XXXX I got a loan for XXXX. The payments are for XXXX twice a month for 10 months. So a total of 20 payments times XXXX. The interest rate is 792.53 %. I did some research and this Company has a bad reviews and is not XXXX accredited. I looked into my state laws and this type of loan is illegal and unenforceable in the State Of Washingtion. I made 4 payments and paid back what I borrowed. I sent this company an email to not call me. Only to reach out to me by postal or email and they continue to call me. I should have paid attention to the fine details before I signed the agreement. At the same time I dont understand how these XXXX loans are legal in the first place? I never set foot on their reservation to sign a loan agreement. A third party website directed me to River Valley Loans website. Their immunity should only apply on their land not online. I cant afford to pay this back. I want them to accept what I already paid. I dont want to be harassed by phone calls or River Valley to call my work. This loan was made to me XXXX XXXX, a resident of Washington State and all loan products need or should abide by state laws and have a license to do business in the State of Washington and not hide behind XXXX immunity. Washington State has some pretty strict laws in place as Ive recently done research. Please, I really think there needs to be stricter rules by the Federal Government to stop these predatory lenders. Im in a lot of stress over this.
Product: Debt collection

I received a garnishment letter in the amount of {$2500.00} from Velo Law collection agency. In total {$1900.00} was garnished from my wages. I called Velo Law office around XXXXXXXX XXXX  to get the remaining balance so I could pay it. I spoke to a receptionist who stated I owed over {$900.00} which is not correct. I should only have a balance around {$600.00}. I repeatedly asked her where the extra charges were coming from and she kept putting me on hold stating it's in the judgement. I was never notified nor received any documentation about the amount changing. They are fraudulent adding charges and going to court without my knowledge in order to prevent me from showing proof of what I paid.I sent an email on XX/XX/2022 and they did not respond by phone or email. I am in the process of filing a complaint with the Michigan attorney general as well.
Product: Credit card or prepaid card

BANK OF AMERICA IS CHARGING ONGOING FEE 'S AND LATE CHARGES AND WILL NOT WORK WITH ME FOR FINANCIAL ASSISTANCE. I HAVE BEEN SICK SINCE XX/XX/2021 AND I HAVE CALLED TO STOP THE BLEEDING. THEY ARE CHARGING ME AN ABSURD AMOUNT OF OVER {$220.00} A MONTH. I HAVE CALLED AND CALLED AND THEY REFUSE TO HELP ME IN COLLECTION, MOREOVER THEY ARE DOUBLE CHARGING ME ON ALL OF THESE FEES. THE ACCOUNT IS 6 MONTHS PAST DUE. THEY RESET THE ACCOUNT TO REFLECT IT ; S 2 MONTHS OLD.
Product: Credit card or prepaid card

My TJ Max card closed on XX/XX/2021. 
I had no warning. 
Was just closed.
Product: Debt or credit management

XX/XX/XXXX XXXX edd send my benefits payment to moneys network, on or about XX/XX/XXXX, XXXX. On XXXX XXXX money network red flag my debit card, someone hack my account, I never received a debit card, money network send me the remaining amount of the check, and told me in 14 days the check will be here the 14 day was XXXX the XXXX XXXX, I never received it, on XXXX the XXXX XXXX I called again to complain where's my check, now it's been XXXX months, and still no check.i tell money network to mail it first class or to put a tracker on it or to direct deposit, money network, say they can't, they can only send the check regular mail .it 's been XXXX months, suffering, and stressing me out and not having to have a good XXXX am about to lose my apartment and my car, don't they get penalized, or pay me intrence after the 10 day that my check don't arrive it's going on 3 months
Product: Credit reporting, credit repair services, or other personal consumer reports

I have settled my debt with these companies and they are still listed on my credit report. Some are as old as XXXX. I owe no money and am trying so hard to repair my credit. I have XXXX credit card and a car payment now but my history still haunts me. Please help me.
Product: Debt collection

constant calling about a debt that 's not identified whether by mail or phone call
Product: Credit reporting or other personal consumer reports

Experian is not responding to any of my many requests to investigate, verify and remove two accounts from my consumer credit report that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX and Experian to do a thorough investigation of this account and provide proof. Both credit bureaus have failed to do so. I have found numerous inaccuracies with this account and they are both reporting different information. It is the same account so the information should match up. I have attached proof of the inaccuracies and I am requesting for this to be deleted.
Product: Student loan

I was approved for loan forgiveness as I work in a public school. Fedloan approved this and placed me in a payment plan. I have been making payments since XXXX. I come to find out, that they put me in a plan that is not approved for forgiveness. I had no idea about this because since they approved my application and placed me in a payment plan, I would not ever think to question it. This is absolutely unacceptable as they mislead me the entire time. I have been working in the same school district since XXXX! I want all of the " in the wrong plan '' payments to be adjusted and put toward my loan forgiveness. I planned on retiring soon and do not have another 10 years to make this work. I have written them letters and made phone calls, but fail to get a response. Please help me.
Product: Vehicle loan or lease

I am writing to dispute the inaccurate credit reporting of 2020 XXXX fusion vehicle, which was previously a demo vehicle driven by a XXXX sales XXXX. Despite being marketed and sold to me as a used vehicle, the paperwork incorrectly stated it was new. 

Furthermore, I purchased XXXX insurance for this vehicle, which was subsequently totaled in an accident. XXXX is incorrectly reporting that the vehicle was repossessed, which is entirely false. 

I request that you investigate this matter and remove the inaccurate information from my credit report. The vehicle should not be listed on my credit report, as it was not repossessed and the initial reporting was incorrect. 

I have attempted to resolve this issue multiple times with XXXX and the XXXX major credit bureaus, but the inaccuracy persists. I would appreciate your prompt
Product: Credit reporting or other personal consumer reports

I have a home equity line of credit at XXXX XXXX XXXX XXXX XXXX XXXX. I paid the balance in full in XXXX of XXXX. This payment was ahead of the required payment schedule. The XXXX XXXX informed me later that I had been charged XXXX cents interest. This showed up in XXXX as a late payment to TransUnion. My credit score dropped over XXXX points. The XXXX XXXX has been trying to work with The XXXX XXXX XXXX companies and has successfully corrected the error twice, however both times they dropped the score again, citing the same late payment.
Product: Money transfer, virtual currency, or money service

I'm filling a complaint against Cash app ( Block, Inc. ) Due to inadequate customer service and unfair practices which book the consumer financial protection act ( CFPA ) specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected furthermore there 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 has caused significant inconvenience and financial loss and I seek appropriate redress
Product: Credit reporting

There is XXXX address that I never had lived in! Had not lived in XXXX, XXXX. I am concerned about this. I only had lived in XXXX XXXX.
Product: Credit card or prepaid card

I can't close account or make payment on the balance or anything. There is nobody to contact. I want this account closed.
Product: Mortgage

My mortgage with Bank of America allows for prepayments to reduce interest and the bank is not properly reducing my interest. 

For the following months I made a prepayment which should have impacted my interest charged, but which did not : Payments due XXXX, XXXX, XXXX, and XXXXXXXX  XXXX. I contacted the bank onXX/XX/XXXX and was given case XXXX and told they would research and get back to me in 7-10 business days. They did not. I called back on XX/XX/XXXXand spoke with XXXX who said a manager ( XXXX from the Payments Dept, or XXXX or XXXX, XXXX XXXX  managers ) would call me back by the next day. It did not happen. I called back again on XX/XX/XXXXand was told my case had been closed because it was entered incorrectly. They gave me CTR Team Case XXXX and said they would be get back to me in 7-10 business days. They have not. These calls ( and others where I hung up out of frustration at being left on hold ) have taken at least 3 hours of my time.
Product: Credit card or prepaid card

I am filing this complaint against Chase due to their mishandling of a dispute regarding a charge from XXXX, a booking company. My booking was cancelled due to a legitimate emergency, and the company provided contradictory information about their refund policy. After a series of communication failures and inconsistencies from XXXX, I initiated a dispute with Chase in hopes of getting a refund. 

Despite my detailed explanation of the situation and the supporting evidence provided, Chase closed my dispute without a thorough investigation of my claim. Chase credited my account initially when the merchant failed to respond within 60 days but later rebilled me the same amount. This action was taken without any prior communication or explanation to me. 

When I discovered this rebilling and sought an explanation, Chase responded by saying that the charge was valid and they can not dispute it further. Their reason was that I had agreed to the merchants policy that does not allow refunds or credits. I find this response unsatisfactory, considering the contradictory and misleading information provided by Redawning about their refund policy. This led me to believe that a refund would be possible under my circumstances. 

Additionally, Chase has not allowed me to reopen the dispute, despite the merchant 's continuous inconsistent responses and failure to provide any documented evidence supporting their decision. I believe this action by Chase fails to protect my rights as a consumer and falls short of the expected standards for handling such disputes. 

I request that this issue be investigated thoroughly. I am seeking an exhaustive review of my dispute with the merchant and a justified resolution from Chase. This incident has caused significant financial loss and emotional stress, and I believe it is crucial that Chase address this matter appropriately.
Product: Debt collection

I have an account on my XXXX Report For An Account With XXXX XXXX XXXX With The Original Creditor XXXX Avant. The Date Posted Was XX/XX/2023 For The Amount Of XXXX. I Disputed This Information On XXXX For The Wrong Amount And The Wrong Date. They Finished This Dispute On XXXX Saying The Information Was Correct. This Information Is Not Correct And XXXX Did Not Have Enough Time To Check Into This Information Correctly, Thats Why Im Writing You To Inquiry Into This Account Personally. Any Information You Acquire Would Be Very Appreciated If It Was Shared With Me. Thank You In Advance.
Product: Credit card or prepaid card

I received an alert on XX/XX/23 on my American Express Credit Guide stating a new tradeline had been opened that I did not authorize. I have raised a dispute with XXXX and am hoping to get my account expunged of the unknown account.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information Capital One is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Capital One the financial institution and the ConsumeXXXX reporting agencies XXXX XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, XXXX, XXXX Capital One whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Capital One Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX  ) account number 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 customer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

During the past years with PayPal Credit and Amazon before Synchrony Bank combine the payment process, I always paid my account out to a XXXX balance each month by the XXXX. However, now Synchrony Bank has employees to take both payment simultaneously with the same representative and payments are " lost '' or misappropriated to the wrong accounts. Now between XXXX to XXXX, 2021, {$220.00} worth of payments are lost. 
My money has been transferred from one account to another. I have requested almost 10 times on a recorded line that the calls be pulled between XXXX through XXXX, 2021 to see exactly what I stated and how my payments were processed. I have spend over a hundred hours out of my recent days attempting to address this. I am an honest person and good customer. My account has never gone into collections. However, I do not have {$220.00} to give away.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1. Failure to perform an investigation XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 2. Failure to perform an investigation XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 3. Failure to perform an investigation XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 4. Failure to perform an investigation XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately
Product: Credit card or prepaid card

I have 2 credit card accounts with Barclays Bank. I have attempted to pay off both accounts in full and used the total balance due as the amount to pay the accounts in full before the due dates shown on both statements. However, the amount shown as the total balance to pay account in full that was showing was insufficient and I was charged additional interest of approximately {$70.00} on one account and {$50.00} on the other account. My concern/complaint is that the total balance that should have been showing on my statement was in fact not the total balance and Im being charged additional interest. If I had known that the balance was higher I would have paid that amount to avoid any additional interest charges. This is very deceitful by Barclays because I was not allowed to pay off the account in full because they reported an incorrect payment due to pay off the accounts in full so they can charge me the additional interest for an additional month. I tried calling Barclays and the customer service rep XXXX in XXXX told me it was for residual interest but was not able to explain what that amount was not included in total balance due I asked for a supervisor and was put on hold for over 30 minutes after which I hung up.