23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( MONTHS REPORTING LATE ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

I called earlier, because I am missing points and was charged excessive fees. When I spoke to the agents, they would not listen and transfer me. When I called back, I asked for a supervisor. The male agent who answered the phone was incredibly rude and refused to transfer me an agent. He transferred me back to the main line before repeatedly refusing to allow me to speak with a supervisor to resolve the issues. He was incredibly difficult to understand and speak with. So I am hoping to get alternate help to resolve the issues
Product: Credit reporting or other personal consumer reports

Hello, I have requested XXXX XXXX and XXXX to produce and send me. All original contract documentations pertaining to alleged debt. That is being reported as a XXXX on my TransUnion credit profile. I sent a certified letter on XX/XX/XXXX requesting these documentations. It is now XX/XX/XXXX well over 30 days. That they should have had more than enough time to send the requested original contract documentations. I went to my local post office to check and confirm that it was delivered to the company. I had them to use my certified mail receipt to track and confirm that it was delivered. The postal service called XXXX XXXX and XXXX local postal office. Using my certified mail receipt to confirm that XXXX XXXX and XXXX did in XXXX picked up the letter and that they did received it. Now some how XXXX XXXX and XXXX avoided signing and confirming that they did indeed received my certified letter. How someone who picked that certified letter up without signing for it is beyond me. Again, my postal service call their postal service and they confirmed that the company picked up the certified letter i sent to them. 
It's been well over XXXX plus days and XXXX XXXX and XXXX has yet to produce or mail the original contract documentations pertaining to alleged XXXX that is being reported on my TransUnion credit report. ( See Attached certified letter mail date and receipt )
Product: Mortgage

I lost my job back when the Pandemic started, so I called my mortgage company Suntrust now Truist Bank to do a Forebearance, got it approved for XXXX. I was working with the Home Perservance dept. I signed a legal document/faxed it in on XX/XX/2021 to agree to come off of the Forbearance. My 1st payment started back on XX/XX/XXXX was to be {$590.00} going forward. I was instructed to disregard what the Suntrust Website stated, however I didn't, when i checked the website it stated to pay {$630.00}, so i did. I then called the Home Perservation dept back to inform them of what I actually paid, the Rep said I was only to pay the {$590.00} amount of what I signed for. I have been harassed every since I came off my Forebearance. Now, I have been accused of not paying my mortgage from XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. I have not missed a Mortgage payment since I came off of my Forebearance. Now, my CREDIT SCORE has dropped way down due to the incorrect information. Suntrust/Truist Bank has harassed me weekly/monthly to pay a lot of money due to my Taxes that went up. That is why the website stated {$630.00}. So I had to keep calling the Home Perservance Dept for help, the 2 departments were blaming the other. I was only following what I was instructed to do of the {$590.00}. I then ask then Truist Bank rep if i could pay the Escrow separate in installments, they said NO, so they took funds from each Mortgage Payment that I was making from XXXX thru XXXX to cover the shortgage. Again, I was never late making my Mortgage Payments. I will attach all my Bank Statement to prove I was never late.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : This account was purchased by another lender who could not verify the debt, leading to its removal from my credit report. However, XXXX continues to report this account despite having no lawful right to do so. Experian has failed to conduct a proper investigation. 

XXXX XXXX XXXX : This account has been fully paid, yet Experian has not removed it from my credit report as required. 

XXXX XXXX XXXX  : The creditor sold the vehicle but failed to adjust the reported balance accordingly or issue a 1099-C. Despite multiple disputes, Experian continues to report inaccurate information and has not provided proper documentation supporting their investigation. 

Additionally, Experian is still reporting inquiries that I have already disputed and confirmed did not originate from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for new XXXX and XXXX service today. Surprisingly, I was denied. I was so confused when the representative told me it was because of bad credit. When I had my credit pulled I saw things on my report that l knew nothing about. I was advised to call the police and I did, also contacted the FTC. Please delete all these items as they are not mine. 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: Mortgage

I started the refinance process wiht XXXX in XXXX of XXXX and to this date they have yet to close on my loan. I was conditionally approved on XX/XX/XXXX. After ongoing document requests, on XX/XX/XXXX, I was told we " I want to apologize for all the delays you have experienced during this process. The good thing is your loan is almost to Underwriting, we are just waiting on Proof of Insurance from your insurance company. 
I apologize again for all of the delays you have experienced ''. Yet as of today, XX/XX/XXXX, the loan has not closed. Throughout the process, I have been contacted by many different loan processors for one document after another. Many a times, I have to initiate contact for someone to respond via email, phone call messages, etc. and after weeks they respond needing updated info. They are the ones that are taking so long and apologizing for it. Yet they they keep moving the goal line in terms of documentation that is needed. I have a multitude of emails that can support my assertions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act : Account Name : XXXX  XXXX, Account Number : XXXX has violated my rights ; Section 602 ( a ) /15 USC 1681 states that I have a right to privacy.

Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Contacts and harrass family members and employers. The debt has been written off by the initial creditors and this new company Diversified Consultants is trying to collect. Their phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$420.00}, XXXX XXXX XXXX XXXX Balance : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed Trans-union that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want Trans union to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX. 

I ca n't get a loan at this time because of Trans union Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

XXXX XXXX
Product: Vehicle loan or lease

Due to my profession I have a complete understanding of a simple interest loan. Capital One Auto Finance rules would only allow me to pay exactly one month ahead or principal only payments. As I wanted to pay forward the loan I always made my payments on the due date one month ahead and paid more than the regular payment. The formula to figure the interest portion of my payment is standard on a simple interest loan and when you are paying on time and more than minimum, the interest portion of your payments should steadily decline and certainly should not fluctuate. When I questioned Capital One Auto Finance about this fluctuation they tried to say that it had to do with the # of days in between payments. This will only hold true if you pay sporadically which I did not do. I have since refinanced with another company and am now accurately seeing the dollar day rate go down. In going over my payment history with Capital One it is obvious that they did not accurately use the standard formula, therefore inaccurately charged me on the interest portion of my payment throughout the loan term.
Product: Credit reporting or other personal consumer reports

I wish to address my recent review of the credit report obtained from your bureau. Upon meticulous examination, I observed the presence of reported late payments on my accounts, which I contest as erroneous. I have undertaken the necessary measures to verify any delayed payments. I am pleased to inform you that other credit bureaus have already expunged these late payments from their records. I am perplexed by the discrepancy in reporting between your bureau and the others. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and this . XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was given a gift card XX/XX/XXXX of which I lost. I called the company and told them it was for {$50.00} and that I had spent {$21.00} of that XXXX, and there was a balance of {$29.00} on the card. they sent me a new card I had to wait for over a month I was the {$29.00} was still locked, and I could not us the new card. They told me they they didnt know how to unlock it and they promised to send me a check for XXXX dollars that I should have gotten by XX/XX/XXXX. The case number is XXXX XXXX by XXXX on XXXX 
I called to today, and XXXX told me I must wait another 21 business day. This is ridiculous, please help. I want my money
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Money transfer, virtual currency, or money service

I initiatiated two transfers from XXXX XXXX to Ally Bank. 

Transaction ID XXXX for {$16000.00} to Ally Bank Account XXXX XXXX Transaction id XXXX for {$5000.00} to Ally Bank Account Number XXXX Ally rejected the ACH transfers. 

The XXXX ACH was rejected by XXXX XXXX  for insufficient funds and the money was returned to XXXX XXXX  and thus to me. 

The XXXX was rejected by Ally but the funds were not returned to my XXXX XXXX account we don't know why. 

I disputed the ACH with XXXX XXXX  who rejected it because they couldnt return it without permission from Ally because it was it was authorized, but it did not go thru. 

XXXX XXXX  called XXXX who told XXXX XXXX  to open a case and they confirmed that the money was credited to a settlement account at Ally on XX/XX/30. 

On XX/XX/XXXX, I had a call with XXXX XXXX  and Ally and a case was opened with the Ally ACH department and I was promised communication within 48 hours, never heard from them. 

On XX/XX/XXXX, XXXX XXXX  and I called Ally again, and they promised to fax a letter giving permission to return the ACH to Ally. 

At this point, I'm appalled with Ally and their lack of concern for resolving the situation. They have a responsibility to do the right thing and do it in a prompt manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

my mortgage is with XXXX XXXX XXXX XXXX since XXXX of XXXX  I have never heard of XXXX XXXX XXXX XXXX XXXX ( please see screen shot of my Experian credit account attached ) Please delete this false, erroneous & harmful information from my credit profile as soon as possible as this not only incorrect but is also impacting me in a negatively as I can potentially be denied employment and or housing do this affecting and impacting my credit so profoundly. thank you
Product: Debt collection

I am filing this complaint regarding a debt reported by Vance and Huffman LLC related to a previous debt with XXXX XXXX. The amount reported is {$420.00}. 

In XX/XX/year>, XXXX XXXX entered into a settlement agreement with the Consumer Financial Protection Bureau ( CFPB ), agreeing to forgive certain consumer debts related to their leasing practices. It is my understanding that this settlement applied to all debts owed to XXXX XXXX under specific circumstances, and the debt in question may have been forgiven as part of this agreement. 

However, despite this settlement, Vance and Huffman LLC continues to report the debt on my credit report and is attempting to collect. I requested written validation of the debt, as required by law, but Vance and Huffman LLC directed me to their website, which only provides the original debt contract. This does not meet the legal requirements for proper debt validation under the Fair Debt Collection Practices Act ( FDCPA ). 

Timeline and Actions Taken : XX/XX/year> : XXXX XXXX settled with the CFPB, agreeing to forgive certain debts. 
Date of Reported Debt : The debt of {$420.00} is listed on my credit report by Vance and Huffman LLC.

Debt Disputed : I requested validation of the debt, but the collection agency only provided a link to their website showing the original debt contract and refused to provide the additional documentation required under the FDCPA. 
My Request : I am seeking that Vance and Huffman LLC provide proof that this debt is not part of the settlement or remove the debt from my credit report due to its potential invalidity. Even if the debt is not part of the settlement, it should still not be collected or reported because XXXX XXXX  practices were part of a larger lawsuit. The company was sued for their unfair leasing practices, and the collection of these debts is contrary to the terms of the settlement and the allegations against XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I filled XXXX disputes XXXX for XXXX XXXX on XX/XX/year> ie XXXX XXXX who now has the account in their office. I spoke with XXXX XXXX and sent a dispute letter. XXXX XXXX sent me a letter of deletion from their office, but when I disputed with Experian it still remains on my credit report I sent a letter asking for the method of investigation when it came back verified and got no response even after I sent a letter stating asking for method of verification. XXXX XXXX XXXX has recently shown back up on my credit report negatively after previously being corrected on my credit file.
Product: Money transfer, virtual currency, or money service

XXXX, XX/XX/XXXX. 



Dear Sir/Madam, I need your help to reach Paxful. 


Background : XX/XX/XXXX, I fell victim to a multilayered scam operation by XXXX The company offered investment services with the goal of robbing and defrauding clients. I lost XXXX, XXXX XXXX which was transferred from my wallet utilizing their services. 

XX/XX/XXXX : My first telephone contact with the investment manager and cryptocurrency broker XXXX XXXX and the security officer XXXX XXXX XXXX at XXXX. XXXX XXXX XXXX showed me the broker check at XXXX - that both he and XXXX XXXX were registered there. After several phone calls, answers to my questions, and a homepage check I didnt find anything suspicious ; the company seemed to be in order. 

XX/XX/XXXX : I opened an account with Paxful for bitcoin trades. 

XX/XX/XXXX : My first transaction from my bank XXXX, XXXX XXXXXXXX XXXX to XXXX. ( Attached file : XXXX XXXX ) ( Attached file : XXXX XXXX ) XX/XX/XXXX : Trades via Paxful ( Attached file : Paxful Trades ) XX/XX/XXXX : My second, and last, transaction from my bank XXXX, XXXX XXXXXXXX XXXX, to XXXX. 
( Attached file : XXXX XXXX ) ( Attached file : XXXX  XXXX ) XX/XX/XXXX : Trades via Paxful ( Attached file : Paxful Trades ) XX/XX/XXXX : The cryptocurrency broker XXXX XXXX reported an unreal profit which made me understand that something was wrong. 
( Attached file : XXXX XXXX ) XXXX XXXX : I tried to withdraw my invested money from my account at XXXX but found out the funds were stolen. 
( Attached file : XXXX XXXX ) XX/XX/XXXX : A police report was filed, by me, against the company XXXX. 
( Attached file : Police report ) XX/XX/XXXX : Sent an XXXX XXXX Letter to XXXX and Paxful. 
( Attached file : XXXX XXXX Letter to XXXX ) ( Attached file : XXXX XXXX Letter to Paxful ) XX/XX/XXXX : Answer from Paxful ( Attached file : Paxfuls answer ) XX/XX/XXXX : Sent a Dispute Letter to XXXX. 
( Attached file : Dispute Letter to XXXX ) XX/XX/XXXX : Answer from Wise ( Attached file : XXXX  answer ) XX/XX/XXXX : Sent Police report to XXXX  XX/XX/XXXX : Confirmation from XXXX  ( Attached file : Confirmation of receiving my email XX/XX/XXXX : Sent a Rebuttal Letter to Paxful. 
( Attached file : XXXX XXXX to Paxful ) I have tried to get help from Paxful and XXXX without any success. Can you please help me? 


Kind regards,
Product: Money transfer, virtual currency, or money service

I attempted to transfer a small amount to my Cashapp account as I have done in the past but the wrong amount was transferred. 

I immediately contacted CashApp and the representative I spoke with was very adversarial. I informed them that wrong amount was transferred and this created a hardship for me. The representative was very dismissive and told me that it could not be cancelled. 
I explained several times that the transfer amount was a serious mistake and I needed help to resolve it. 

The representative was so negative that I requested to speak with a supervisor. I was then told that it would take several hours for a supervisor to contact me. I explained that this was XXXX XXXX and that this problem was just unbearable. 

The representative told me that a Supervisor would inform me of the same information that they shared. I again requested to speak to a supervisor and I was transferred to XXXX who was very condescending. He stated that he could not cancel my transfer because I accidentally made a transfer. He told me he would look into my account and then I was informed that he closed my dispute and I would have to contact customer service another day to address it, after I requested my reference number and again requested to speak with a Supervisor. 

XXXX, unethical predatory business practices is criminal and they should not be allowed to operate a business with cutthroat tactics being utilized against consumers. 
There is something wrong with the app itself. I entered {$2.00} and instead the app transferred {$250.00} from my account. This is not accurate and I pleaded with Cashapp representatives to cancel the transaction because it was fraudulent. 
The representatives I spoke with in the App deliberately stone-walled me to prevent transferring me to a supervisor. The in chat messaging took place for over an hour and I directly contacted CFPB because it was demoralizing and completely wrong that I had to endure this level of abuse on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to urgently request the removal of an incorrect loan from Uplift , Inc. listed on my credit report for {$2100.00}. This loan, which was supposedly taken out in 2021 for travel expenses, does not belong to me. Despite filing a dispute with XXXX and the Consumer Financial Protection Bureau ( CFPB ), the loan remains unresolved, even though Uplift confirmed that the trip was booked by individuals I do not know for a route I have never traveled. 

I have never missed a payment on any loan or credit card, and this false loan is damaging my credit. XXXX XXXX XXXXXXXX has already reduced my credit limit based on this error, and I urgently need it removed from my report to restore my financial standing. 

Please take immediate action to correct this issue. Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX ( XXXX )
Product: Consumer Loan

Springleaf Financial is now One Main Financial. When I initally opened my account, they were Springleaf Financial. After the name change of the company, they erroneously reported the account twice with the same account number, different balance and two separate open dates.
Product: Credit reporting or other personal consumer reports

I GOTTEN AN AUTO LOAN FROM WELLS FARGO IN 2018. THEY FORCE ME TO CONTINUE TO MAKE PAYMENTS DURING THE PANDEMIC. THEN AFTERWARDS REPO THE TRUCK. NOW ITS ON MY CREDIT REPORT. I ALSO TRIED CONTACTING THEM ABOUT IT AND THE CLASS ACTION LAWSUIT. NO RESPONSE NO HELP NO NOTHING.
Product: Checking or savings account

On XX/XX/year> I disputed a total of {$4400.00} in XXXX XXXX fraudulent transactions that were taken from my Credit Karma XXXX XXXX XXXX. On XX/XX/year> Credit Karma made a partial return of the fraudulent Transactions of only {$84.00} when the full amount if {$4400.00} should have been returned under regulation E. Credit KARMA HAS ALSO LOCKED MY ACCOUNT NOT ALLOWING ME TO ACCESS MY FUNDS.
Product: Bank account or service

I was charged a $ 20 monthly fee for a checking account and did not realize this until XXXX fees had been charged ( XXXX and XXXX XX/XX/2015 ). No checks were written for insufficient funds. When I complained I received an email indicating {$20000.00} was a minimum balance. I do n't recall being informed of that before and these fees were not levied previously.