23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Good Morning. 
The issue was with Fifth Third Bank. I had a balance for {$4.00} and did not pay for two consecutive months. They reported me to the Credit Bureau what affected my score considerably. 
I called customer service because even when I'm not enrolled on paperless statements, I never received an Statement over the mail. I was wondering I had the autopayment choice saved with them. Online they have a tab with Alerts and Messages. Both inbox are empty. I never received an email or notification about these late payments. Usually banks call their customers when this happens. I never received a courtesy call from them. I asked why I never received any notification and the responses were ridiculous. I was reading the reviews of this bank online and they use to abuse with customers and this case is similar to many others. 
I really would like this bank to stop abusing customers, this is not the way Bank acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX accounts Alley FInachel, XXXX XXXX XXXX XXXXXXXX has violated my rights 15USC 1681 Section 602 states I have the right to privacy 15 USC 1682 section 694A it also states a consumer reporting agency cabnnot furnish a account without my written instructions 15 USC 1668B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against the three credit bureaus back on XX/XX/XXXX through your portal under the following complaint ID numbers : ID FOR COMPLAINT SENT TO XXXX   XXXX, ID FOR COMPLAINT SENT TO TRANSUNION XXXX, ID FOR COMPLAINT SENT TO XXXX XXXX. 
The results that came back was that the following addresses were going to be removed : Transunion - XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX - XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX - XXXX XXXX XXXX CT XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 604 States rights to consumers privacy Reporting agencies can not furnish an account WITHOUT my written consent.

Resolution delete accounts.
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX in the summer of XXXX with XXXX XXXX. 

Then, my wife and I had our first child a year after - a beautiful baby girl. During the first few months of getting our lives reorganized with our baby girl, we let some payments slip with the lease and the XXXX was repossessed. Fortunately, my wife and I were able to get the car out of repossession within the ten-day grace period provided before my credit would be impacted. 

Months later, life then threw us some surprises ( death in the family, medical debts, childcare expenses ), and the payments slipped yet again and the XXXX was taken from us again. This time, XXXX XXXX is asking for a lease buyout of XXXX within XXXX days of repossession. There is no legitimate lender on earth who will finance me or my wife BECAUSE of the lapsed payments on the lease. Needless to say, my wife and I do not have XXXX laying around either. We DO HAVE enough to get the lease back on track, though. As to why XXXX won't accept that seems unethical, perhaps illegal. We have but only a few months left in the lease agreement as well. 

It certainly feels like my wife and I are in a no-win situation here.
Product: Credit reporting or other personal consumer reports

I am sending to formally request an investigation into the accuracy of certain accounts listed on my credit profile, which appear to contain errors. Under the Fair Credit Reporting Act, 15 USC 1681i, you are required to complete your investigation within 30 days. 

The account in question are as follows : XXXX. XXXX XXXX XXXX {$1700.00} XXXX. XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This in response to complaint # XXXX. I want a copy of what this credit bureau was sent for them to mark as a inquire. From my understanding in order to pull my credit report they need a sign copy for authorization to do so. That 's what I want Provided to me. If they ca n't provide that I want it removed immediately.
Product: Mortgage

On XX/XX/XXXX, I received a letter notification that XXXX XXXX had purchased my mortgage loan from PENNYMAC LOAN SERVICES , LLC . The letter states that XXXX XXXX is not my mortgage servicer, and my mortgage servicer is PENNYMAC LOAN SERVICES , LLC . 

Instead of sending me notification with payment instructions and past-due reminder, PENNYMAC LOAN SERVICES , LLC directly XXXX me {$110.00} late fee for my very first mortgage payment and placed a 30 Days Past Due delinquency record to my credit report on XX/XX/XXXX. 

On XX/XX/XXXX, after I was notified by my credit monitoring company XXXX, I immediately paid off all the outstanding balances to PENNYMAC as requested. I also called PENNYMAC Customer Service Line ( XXXX ) XXXX to explain the situation. I spoke to XXXX at XXXX PST on Mon. XXXX and explained the delinquency record improperly placed on my credit report. But she refused to revert the late fee charge and remove the delinquency record. I also talked to her supervisor XXXX on the same day and tried to explain that I never received the notice email or letter about a payment past-due. But her supervisor refused to remove the negative record from my credit report either. 

On XX/XX/XXXX, I called the PENNYMAC Customer Service Line again and spoke to XXXX. XXXX said that the late fee could only be reverted before I paid the bill. Since I have already paid all the outstanding balances as PENNYMAC instructed, he couldn't revert the late fee charge. He asked me to write a letter to explain the situation via PennyMac 's Message system. I followed his instruction to write a formal letter and created a case to explain that I tried to set up automatic payment and didn't receive proper notification when my payment was past due. But the case was again declined by PENNYMAC customer service.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I sent my wife {$2700.00} dollars to her account in which it stated completed with but bank stated they never received it. On my side it said still in transit. After several attempts of back & forth about where the money was the bank finally got their main branch involved & seen where they had been trying to send it but they were rejecting due to the amount. They stated that she could not received over {$2500.00} in single transaction going to her card but if money gram could just split the amount up in different amount as long as it wasn't above {$2500.00}. I tried doing that & still they stated they wanted to hear that from the bank. My wife had letterhead drawn up & sent in to them through email stating why it wasnt going through & still no response. I even filled out form on their moneygram site & still no response from them. I have requested refund & they are telling me that its under investigation until they hear from her bank. My light bill & new car down payment money was in that amount & now I don't have a single dollar. I have requested refund but they will not do it. XXXX below is from the bank. They can verify if needed. XXXX is the company XXXX XXXX XXXX XXXX Alabama XXXX XXXX XXXX is the company that was going to recieve.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrote letters about 45 days ago with the results of verified XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$590.00}
Product: Credit card or prepaid card

I opened a Bank of America XXXX XXXX card in flight. When I got my card I tried to set up payments but it takes 2-3 weeks for a password to be set up in order to create the account to make payments. 
I also got a bill in the mail for the {$75.00} annual fee. 
I got my password in the physical mail this week. However in order to get payment processed I had to get deposits to my account and report them to bank of America. By the time I could make a payment ( today ) the annual fee is past due making my card unusable and generating an additional fee. 

When I called the company and explained that I posted payment ( not processed ) and I could not have made payment any sooner due to their own system of payment, they told me nothing could be done and I needed to pay the fee and wait for payment to clear. 

Not only do I have to pay for BoA terrible system of payment, I am unable to use my card and my credit is impacted by a late payment I have no control over.
Product: Credit reporting or other personal consumer reports

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I have not initiated any transaction with { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX } . 

XXXX. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I have been damaged as a result of your failure to follow the law I am requesting the DELETION of the inquiry that was placed on my consumer report on { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX } by { Experian } Specified Remedy : Please send payment Via Check Payable to XXXX XXXX to the address { XXXX XXXX XXXXXXXX XXXX XXXX IL XXXX } Yours Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a dispute to the credit bureaus disputing the following listed accounts and asked for validation and verification of the accounts and not only have they not provided proof they have failed to respond. XXXX implied that I was using a credit repair company. I am not I am exercising my consumer rights to dispute the incorrect inaccurate and unauthorized information. 
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: Debt collection

I have written a complaint against this company XXXX times since an issue arose over who owned the car. I was forced to file a lawsuit for this matter, however, my complaint today relates to this showing on my credit report. According to XXXX of the XXXX leaders, they will remove this information from my credit report and close my account. Furthermore, it would not appear on the credit report as a charge off. In the letter that I will attach, it is also stated that the account would be deleted. Due to the issues we have had, I would like them to completely delete this account, as if it never existed. I believe that they are under the impression that I am asking them for the vehicle. As far as I am concerned, that is a legal issue that can only be addressed in court. I am asking that they keep their promise which is deleting this vehicle from my report I do not take ownership for any loans are liens With Flagship.
Product: Credit reporting or other personal consumer reports

I notice unauthorized inquiries on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed.
Product: Credit card

Closed my account due to computer error. My credit will be destroyed and Im now unable to make payments unless I call and wait online for 39 + minutes! This company is unethical.
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 section 602A.States I have 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
Product: Consumer Loan

This is my second complaint against Credit Acceptance Corporation and their continual use of harassing behavior. I am a customer who has never sent a payment 30 days late since I obtained the loan with Credit Acceptance on XX/XX/XXXX. On XX/XX/XXXX, I received a notice from Credit Acceptance detailing their intention to repossess my car. The letter was sent from them on XX/XX/XXXX. Here lies the inconsistency. Credit acceptance sends the letter on XX/XX/XXXX and the coupon book that I have in my possession states that if a payment is received after XX/XX/XXXX that I will be assessed a late fee which implies a grace period. On XX/XX/XXXX, I paid my car note in the amount of {$330.00}. I have advised Credit Acceptance continually of my intent to pay and I have been a loyal paying customer since XX/XX/XXXX. I have requested a copy of my late fees, which I am not in agreement with, from Credit Acceptance which I have never received. I believe Credit Acceptance is harrassing me in retailiation of my first complaint to Consumer Financial Protection Bureau Agency. There is not reason for them to have the intent to repossess my car when my track record shows my history of paying them. The past due amount stated on the notice is {$370.00} which includes my monthly payment of {$330.00} which was paid on XX/XX/XXXX and {$49.00} in late fees which I requested documentation for and never received but paid on XXXX. Please stop the harrassing behavior. Companies do not send letters of intent to repossess a car that payment is not 30 days late unless the intent is to harrass. Since the history of my loan with Credit Acceptance my credit report shows XXXX for no late payments which they indicated so why would they want to repossess my car. CFPB, I need your help to stop this harrassment.
Product: Credit reporting or other personal consumer reports

I am writing to request a correction of the following information that appears on my XXXX, XXXX, TransUnion consumer report : Dispute XXXX o Account Number : XXXX o Amount : {$20000.00} o The report shows I currently owe money to XXXX that I have already paid. XXXX was paid in full, please close account as paid in full. 

Dispute 2 o Account Number : UNKNOWN o Amount {$100.00} o XXXX XXXX XXXX appeared on my credit report without any notice. It is my consumers right and credit law that I be notified of any debts before appearing on my credit report. I am also not aware of the debt. 
Please delete this from my report. 

Dispute XXXX o Account Number : XXXX o Amount : {$830.00} o The report shows I currently owe money to XXXX that I have already repaid. XXXX or XXXX agreed to delete this account from my credit report as they were paid. 
o Please Delete. 

Dispute XXXX : Account : XXXX XXXX XXXXXXXX XXXX  XXXX is still reporting Portfolio Recovery which was paid 2 years ago. 
Amount : {$830.00} Please delete. 

Dispute XXXX : Please remove the following addresses, they do not belong to me : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX PA XXXX I have attached a copy of my receipts and correspondence with the accounts mentioned. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX stated they sold my debt to Transworld System Inc. I requested a XXXX C form but have not received it
Product: Credit card

XX/XX/2023 received a debit card from found bank today. Never applied for the card.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 or prepaid card

The credit card imposed a very high interest rate after the promotional rate expired even though I have never been late or missed a payment. I wrote a dispute letter on XX/XX/2023 asking for an explanation. On XX/XX/XXXX they responded with a form letter having no information pertaining to my account. I wrote them back ( see attached ) requesting documentary evidence regarding the rate and on XX/XX/XXXX they wrote a letter ( see attachment ) providing no further documentation beyond a hopelessly vague reference to {$6.00} refund without any explanation. I am in the process of tryimg to pay off the entire balance of {$18000.00} because of the punishing monthly interest of {$450.00} being imposed without justification. This is an extreme hardship on me and my wife.
Product: Payday loan, title loan, personal loan, or advance loan

The creditor for the personal loan is the Pentagon Federal Credit Union. Included in the personal is optional insurance in case of unemployment. An insurance claim was made in XX/XX/XXXX. An additional form was requested from XXXX XXXX ( insurance company ) and provided on XX/XX/XXXX. The monthly payment for the personal loan is {$560.00}, and the due date is the XXXX of every month. XXXX XXXX continues to send partial payments in the amount of {$520.00} to Pentagon Federal Credit Union. The first payment made on XX/XX/XXXX, was for {$1000.00} ; the payment made on XX/XX/XXXX, was short {$37.00} and late ; they have now processed another payment on XX/XX/XXXX, for XXXX, which again is short {$37.00}. My payment, which is due XX/XX/XXXX, is now late due to XXXX XXXX not sending a full payment, and I have to make a payment of {$37.00}, or I will incur a late charge and affect my credit. 
I spoke ( XX/XX/XXXX ) with a manager at Pen Fed, and Pen Fed has expressed the insurance company should not be sending partial payments as long as I continue to provide the COntinuance of Unemployment form, which I have every time it has been asked for. 
Today, XX/XX/XXXX, I was on a 58-minute hold, but had to hang the phone up because no one came back to the phone.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to the inadequate customer service and unfair practices, which violate 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, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Product: Student loan

Mohela services XXXX federal loans for me, currently on the XXXX plan. According to studentaid.gov accounts in the XXXX forbearance do not accrued interest. But mohela just sent a letter to me ( and others according to reddit.com/r/student loans posts ) stating that loans are continuing to accrued interest and that mine has over {$100.00} currently accrued.
Product: Debt collection

In the beginning ( XXXX ), I took out a loan with Regional Finance here in XXXX, TX to help make ends meet with my crumbling financial situation it seemed like an answered prayer at the time. XXXX hits, Regional Finance attempts to help me with my situation by filing for Hardship which I was grateful for. Ive been current, late a couple times but still made my payment. Recently, I couldnt make my payment at all. Thats where the plethora of phone calls started. I would get at least 2 a day XXXX XXXX saying to call the XXXX. I called the number and no one answered. I left a message, and invited them to call me back. I get the same automated call with the message to call the same # like I never called them in the first place. Lately, Ive gotten predatory tactics from some of their employees with creating a sense of urgency I know you dont have money now, but you need to pay. They have become pushy.
Product: Vehicle loan or lease

I had a car loan through CNAC up until I had an accident and the car was totaled and now they are flagging my credit report as a voluntary repossession which is not true.
Product: Debt collection

Upon examining my latest credit report, I identified several accounts that I believe are incorrect and were added without my consent.