23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I made a parcel payment on my title loan on XX/XX/XXXX my balance was XXXX. My initial monthly is XXXX. On XX/XX/XXXX my checking account was debated for XXXXOn XX/XX/XXXX I went into the store and made my payment of XXXX thinking that my account is now current. On XX/XX/XXXX after XXXX my checking account was debated again for XXXX. I called speedy cash and I called the store in which I have the title loan. I had to wait until the money cleared my account and take a copy of my bank statement showing the money taken.Well finally when I went into the store I was told I had no moneies owed to me, because theXXXX was past due interest on top of my partial payment totaling XXXX which includes interest. I think this is very shady practice on speedy cash because you are not informed that you can be charged double the interest when making partial payments and not a late fee.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint for Inaccurate Late Payment on Credit Report. 
Dear CFPB, I am submitting a formal complaint against Experian for its failure to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), my requests have been ignored. As a result, Experian is in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of information within consumer files. The continued reporting of incorrect late payments on my account directly breaches this requirement. Additionally, according to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The misreporting of late payments on my account has adversely impacted my creditworthiness, causing undue harm. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act underscores the responsibility of creditors to provide timely statements, thereby preventing unfair penalties to consumers. The inaccurate late payment reporting on this account directly violates this protection, affecting my financial standing. 
Account Information and Discrepancies : Experian Experian reports discrepancies in payment history as well, despite repeated disputes : Two-Year Payment History : Reflects inaccurate XXXXday late payments.

Days Late - 7 Year History : Incorrectly lists two 30-day late entries.

Ongoing Issues and Lack of Resolution Since my last dispute, there has been no change in the reporting by Experian. The incorrect entries have persisted despite clear evidence of their inaccuracy. This ongoing negligence has caused significant harm to my creditworthiness and financial well-being. 
I am formally requesting an immediate correction of the inaccurate late payment notation from my credit report, in alignment with XXXX removal of the account. If this matter is not promptly addressed, I will escalate my complaint further, considering potential legal action and additional complaints with relevant regulatory agencies. 
Thank you for your attention to this matter. I look forward to a swift resolution. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has sited technical issues which violate the Electronic Funds Transfer act ( EFTA ) as it requires timely access to funds, this situation raises concerns about consumer protection laws, and I request your assistance and investigating this matter to ensure my rights are uphill. Thank you
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently i received a copy of my Experian credit report and noticed an unauthorized opened account from XXXX added to my credit file, i did not give permission for Experian or any one else to run my credit, i did not apply for loans or any credit cards with XXXX. Experian gave XXXX credit card company access to my credit file without my permission. there is a XXXX account that is reporting balances and late payments in my Experian credit file that do not belong to me and when ever i talk to Experian they blame XXXX and when ever i talk to XXXX they blame Experian saying they must have my file mixed up with someone else 's, and no matter how many times you contact either party. they keep blaming eachother, i feel as if i'm not getting any real investigation.
Product: Checking or savings account

To follow up on Complaint ID : XXXX Of course, I am not satisfied with Capital One who took 16 days to give me a ready-made response allowing them to deny any wrongdoing. 
I want them to investigate the circumstances of the transaction by approaching the employee who supposedly helped me. He should remember me well, as it usually happens, because of my strong accent, and because I doubt that he is often dealing with a customer bringing this amount of money. He should be able to corroborate that I wanted the 5.10 % rate for 10 month, and that the 4 %, 3 year term has never been even mentioned or talked about. Once again, Capital One employee, because of my difficulties with the use of the tablet, intervened and dealt personally with it as well. It's evident that a mistake has been made. Do not disregard the responsibility of counsel of your employee, and do not discard the possibility of an oversight of his part. 
After XXXX weeks, you needed more time to investigate, you said, but your response does not reflect any research but solely a easy way out using the banking rules. 
I am also so sorry that XXXX is not able to answer his phone when contacted at the number and ext. provided.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



Inquiry 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: Debt collection

I received a letter from The Law Offices of Mitchell D. Bluhm & Associates , LLC Attorneys at Law, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. The letter stated that '' Your XXXX XXXXXXXX XXXX accounts were acquired by XXXX XXXX XXXX and placed with this law firm for collection. At this time, no attorney with this law firm has personally reviewed the particular circumstances of your account. " So I made a phone call to the the said company on XX/XX/XXXX and able to talk to XXXX and she was the one who told me that it was about an XXXX XXXXl. Right there I told her that I was never in the XXXX XXXX XXXX XXXX XXXX so I requested a copy of the bill. I received a letter on XX/XX/XXXX with a bill and an accompanying letter stating that they received my dispute regarding the validity of the above account. Enclosed is the verification from the current creditor, XXXX XXXX XXXX. So I made a call back to the company on XX/XX/XXXX and talk to XXXX, he is in TX, and the time is about the XXXXXXXX XXXX, I asked him if he has number For XXXX XXXX XXXX, his response was he doesn't have. I told him how could this be that you got my account from XXXX XXXX then you don't have a number. So, I XXXX XXXX XXXXXXXX and was able to get in touch with XXXX, this was done on the same date about XXXX : XXXX. XXXX stated that we are not the one, a lot of people had been calling us, we sell XXXX So I called XXXX XXXXXXXX XXXX and was able to talk to XXXX abouXXXX XXXX XXXX and asked her if they have sold my account to XXXX XXXX XXXX, she told me that they forward billing to XXXX in XX/XX/XXXX and did not sell my account to XXXX XXXX XXXX. 
Regarding XXXX I have payment arrangement with them for $ XXXX until my medical bill is paid and be taken Automatically from my bank account. 
So, I called the Bluhm law firm and told them about what I found out. talked to XXXX then I was forwarded to XXXX then transferred to XXXX XXXX where I told her about what I researched and then I asked her a phone number for XXXX XXXX XXXX which she gave me a number of XXXX XXXX XXXX which she said that is their client, when I XXXX  it, it wasn't even XXXX XXXX, it was a company called XXXX XXXX, XXXX. This is the reason I am filing a complaint because they have used company that sells XXXX and not medical accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate information on my file. I have sent correspondence and have contacted them via telephone on numerous occasions to have same corrected. The company is willfully and negligently non-compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been no investigation procedures that have been made after the last 5 months that I have been making a request to review the referenced files on the attachment. Incorrect payment status, account history, and opening dates. This is a violation of federal law. Investigations weren't completed as described by law 15 USC 1681e.
Product: Credit reporting or other personal consumer reports

I am getting a redit card fraud alert even if i don't own a credit card
Product: Credit reporting

I have an account with XXXX XXXX, Account # XXXX. The balance is XXXX. Transunion continually fails to reflect same. Make the balance XXXX please. Thank you.
Product: Credit card or prepaid card

I ordered items from a wholesaler, XXXX XXXX XXXX XXXX XXXX XXXX  worth {$4900.00} and {$700.00} respectively. The seller did not accept direct credit card payments and so I process the payment of my American express card through a payment processor, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 

The seller never shipped the items and did not honor a request for refund. After an internet search I discovered the seller, XXXX XXXX XXXX, operates in such a manner where they collect payment and do not honor orders from customers. I reported this issue to both the payment processor, XXXX XXXX and my credit card provider American Express. However, non of them was able to protect me and I was left to carry the entire burden and risk. 

Complaints from other customers regarding the wholesaler : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I need your support. I have XXXX credit cards issued in my name from Synchrony Bank. I am regular payee of all my debts and there has been never late payment charged. However both my account has been closed without informed me and without giving any justified reason. When called up the bank they informed me it account has been closed because of security issue. However they informed me any security reason. Also there has been no mail communication for said reason. Because of this my credit score has been degreed and these inquiry remain 2 years in my credit score. This is a mental harassment for me as I have been deprived. 

Request you to kindly help to get this sorted out with the bank.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I requested to have all personal information updated with current accurate information. To this date, that information has not been updated.
Product: Consumer Loan

Even if I am a day late on my payment, they begin calling. Typically call my cell 3-5 times in a row. Then begin calling each reference. Threatened to sue me after being 5 days late last month.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Balance : {$26000.00}
Product: Debt collection

I owed this company XXXX dollars my wife has sent 2 checks to this company to pay it off which they say they never received. Both times we canceled the check. I've disputed about trying it pay and they never get our check but every month the report it as a late no payment. Which hurts my credit score. I've talk with them on the phone tryed to resolve the issue was given a lower pay off XXXX dollars. sent check and again they never received it. And again they reported it to the credit agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX my daughter graduated from high school. At that time I lost child support decreasing my income. It took me until XXXX of XXXX to find a second job. While I was looking for work I had to use my credit cards quite a bit in order to keep all my bills and high electric bills covered. I did not miss any payments at all but it made my usage go up quite a bit. Since then 4 of my credit cards have taken away my credit limits causing my credit score to fall ALOT..!! Is this LEGAL even though I have not missed a single payment in 12 years?? My XXXX cards cut both my limits 2 times. My Synchrony cards cut both my limits on my two cards and today I got a notice that my XXXX card cut my limit. How can this be legal if I HAVE NOT MISSED any payments or defaulted on these loans ...?? The Govt. increases interest rates and the power companies increase electric rates of course people will need to use there cards..!!!! Since I got a job in XXXX. I havent needed to use them but my score has been destroyed because of what your agency is reporting. Again I ask ... .is this legal..? Or should I just find a lawyer and take action that way. Why am I being punished for using my cards when I have NO missed or late payments..?? Also what type of lawyer should I hire for something like this??
Product: Debt collection

I am a senior citizen and Sequium Asset Solutions , LLC has inappropriately placed an inaccurate and unknown collection account ( account # XXXX ) I never opened on my credit reports for XXXX XXXX XXXX. I obtained my annual credit reports from XXXX, XXXX and XXXX credit reports. On my credit reports I found a collection account for a cable bill/account that I never opened. The collection account is being reported by Sequium Asset Solutions , LLC, a company located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, contact number XXXX, email address is XXXX and website address https : //pay.sequium.com. A company I am unfamiliar with because this company is located in XXXX, GA and I reside in Louisiana. I have never had any business and/or contact with Sequium Asset Solutions , LLC. This collection item just popped up on my credit reports by Sequium Asset Solutions , LLC. 

I contacted the credit reporting agencies to dispute the unknown cable account and to gather additional information regarding the unknown cable account. I was made aware by the representatives I spoke to at the credit reporting agencies that the XXXXXXXX XXXX account was opened XX/XX/2021 and linked to an address that I have never lived at. I have lived at the same address for over thirty years. As I told the representatives I spoke with at the credit reporting agencies, they have and know my address because my home mortgage is reporting to all my credit reports. 

In addition, the address I was told the XXXXXXXX XXXX  account is or was linked to has never been reported on my credit file until this year. Lastly, I have never had cable and/or opened an account for Cox XXXX  because I live in a very XXXX XXXX I have had a satellite dish for TV and Internet for over sixteen years. I have absolutely no knowledge of this account, nor did I open this account.
Product: Debt collection

XXXX This number has been calling me every few days and claim to be " portfolio recovery '' debt collectors. Every time I answer they ask for my name and then say the must have the wrong number and will fix it. They continue to call. The only information I give them is my name and they can see it associated with the number I call in on. When I asked who they were trying to reach at this number they were non-responsive. When I called back and threatened to report them they said they were looking for " XXXX '' and said they will remove my number from her file. They were very rude throughout the process.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and on XX/XX/19, I went into the PNC Bank branch at XXXX XXXX, XXXX, XXXX, DE XXXX. I wanted to do a {$25000.00} cash advance from my XXXX XXXX XXXX account into my PNC account so that I could wire funds to XXXX internationally same day ( XXXX XXXX does not offer wire services ). I sat with VP branch manager XXXX who would assist me in completing this task. I clearly explained to her what I was trying to do and she proceeded with gathering information. I gave her my debit card which is needed to do the cash advance. XXXX looked and noticed I did not sign my debit card and that procedure requires them to do next level verification. At that exact point is where i started to feel very uncomfortable and felt the discrimnation started. She took my debit card and said she needed to check something and left me at her desk for 15 minutes. When she came back, she asked me about a {$25000.00} return that occured on my PNC account. I explained that originally I tried to do the $ XXXX eletronically but accidently put the sender of the money as PNC which PNC should have been the receiver. I have been with PNC for over 10 years btw. The stares she was giving me and the manner in which the questions were being asked made me feel very uncomfortable and made me feel like she already made her decision in not helping me. After making copy of my debit card and driver license, she sent me on my way and said that she will call a verification number to further verify if it was ok to proceed with the cash advance. I left the building at probably XXXX and called XXXX back around XXXX and asked if she called the verification number and she advised no and that she will not be helping me do the cash advance. There was no real reason as to why she would not help me with the cash advance which leads me to believe this was a discrimnation situation due to my race. Like i mention earlier, I felt very uncomfortable in the manner in which the questions were asked, the stares and the fact that she never tried in going thru the proper channels to assist me. This ended up being very inconvinnient and delayed the wire transferring. I eventually was able to do it the following week at a different branch and felt welcomed at that different branch. This is unfair for a bank corporation like PNC to discriminate against a long time customer and I would like my voice to be heard.
Product: Mortgage

According to the FHA guidelines, when an FHA Loan is acquired prior to XX/XX/2013, the Mortgage Insurance ( MI ) should be able to be removed if you meet the criteria of 78 % loan to value ( LTV ). I have 90 % LTV but I 'm being told I can not remove the MI until I have had my loan for 5 years. XXXX XXXX does not make the policies for the FHA Mortgage Insurance and are not following the guidelines stated by FHA.
Product: Debt collection

On XX/XX/XXXX I called XXXX XXXX  and headquarters. I explained that I had a error on my credit report due to an account open on XX/XX/XXXX for XXXX XXXX. XXXX representative looked into the matter but couldn't fine an open account for that date. so I was transferred to fraud and from there they managed to fine the account open on XX/XX/XXXX. XXXX XXXX fraud department then transferred me to a company called ''Convergent '' to dispute the open account that amounted to {$1100.00}. however, Convergent then transferred me back to XXXX XXXX fraud department and no matters were taken care of. I called XXXX credit bureau for 2 days with no form of a live representative. XXXX XXXX did inform me that the SSN on the open account does not match my own SSN and a different  address is used in the open account.
Product: Credit reporting or other personal consumer reports

This is a Federal Family Education ( FFEL ) administered by the US Dept of Education. The loan defaulted in XXXX as a result of hardship caused by job loss during the COVID pandemic. I don't know why it took Nelnet/SloanXXXX XXXXXXXX XXXX until XXXX to default this loan, since ( according to my credit report ) my last payment on these loans was XX/XX/XXXXXXXX but nonetheless the loans were " Defaulted '', and Defaulted FFEL loans were supposed to have BOTH a COVID administrative forbearance until XX/XX/XXXXXXXX  AND a moratorium on negative credit reporting until XX/XX/XXXXXXXX as per US Dept of Ed COVID orders .... Nelnet began reporting my defaulted FFEL loan to the credit bureaus in XX/XX/XXXX XXXX There was also a US Dept of Education moratorium on negative credit reporting on Defaulted FFEL loans, until XX/XX/XXXX. However, Nelnet and its collection agency American Student Assistance continue to destroy my credit, and violate the Federal ban on credit reporting of " Defaulted FFEL loans '' until XX/XX/XXXXXXXX  They began reporting the Defaulted FFEL loan nearly 2 years before the credit reporting moratorium end date, causing housing issues and farther hardship.
Product: Mortgage

Regarding case # XXXX, how much time does Ocwen need to make a copy of the filing they have been claiming 'for months ' that they filed with the county? 
The question regarding as far as to why has their 'collection department ' being the one handling this loan when the loan was never on collection should also be an easy answer they should readily provide Why does the investor on whose behalf Ocwen was servicing the loan, wants to keep the note. I think that in this case CFPB should intervene and question the issue.
Product: Payday loan, title loan, personal loan, or advance loan

One main financial They made XXXX loan sound like it was the light at the end of the tunnel of the XXXX loan I had with them that just never went down as I paid, which was a good sale pitch on there part because they sold me on it. 
I've paid back XXXX and still owe XXXX some how, I paid XXXX once to pay of fast they took it and only XXXX dollars went to principle of what owed, I called the bank said I got rubbed and had the transaction reverse. 
I stopped paying asked of a 1099a and a 1099 b was told I can't do that.