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

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. 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 XXXX  days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  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: Debt collection

This request follows multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) by XXXX XXXX XXXX XXXX XXXX XXXX, specifically by their representative, XXXX. 
Account : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2600.00} To provide some background, I initially filed a complaint with the CFPB against this collection agency, which has had my account since XXXX. During the investigation, XXXX XXXX XXXX falsely claimed to have interviewed me under pretenses of impersonating the loan financing company, which was not disclosed to me. They violated my HIPAA rights by collecting my personal demographic information and details about my living arrangements. Additionally, they made unsupported claims about servicing a vehicle, for which they have never provided proof, as this service never occurred. They even falsely stated that I purchased a different vehicle, which I never informed them of. Misrepresentation : In violation of XXXX5 U.S.C. 1692e, XXXX falsely represented himself as the original lender or another unauthorized entity. This is a clear attempt to deceive me into making payments under false pretenses, which is illegal under federal law. 

On XX/XX/XXXX XXXX contacted me regarding this account and engaged in conduct that directly violates the FDCPA. Specifically : Verbal Threats : Additionally, XXXX threatened me during our conversation, stating, " What are you trying to do, clear your credit or something '' and went as far as threatening me by stating that he has my address and personal information and will make me pay. which constitutes a violation of XXXX XXXX.S.C. 1692d. This law strictly prohibits debt collectors from using any form of harassment, intimidation, or threats of violence when attempting to collect a debt. His behavior left me feeling fearful for my safety and well-being, and such tactics are not only unprofessional but unlawful. 

These actions are in direct violation of the FDCPA, and as such, I am formally demanding that the following actions be taken immediately : According to XXXX XXXX XXXX XXXX, Experian is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates the laws : 15USC 1681i, 15 USC 1681s-2.15 USC 1681i ( 5 ), 15 USC 1681 e ( b ). Delete this a
Product: Debt or credit management

I got a new phone and phone number and attempted to access my account via their app. I put in all my login credentials and needed to do a two-step verification. However, the only way to do that was to send a six-digit code to my old phone number. I contacted customer support to try to get my phone number changed from my old number to my new number. After verifying information such as my name, date of birth, and last four of my social security number, I was informed that additional information was needed. He gave me an email to send over pictures of my driver 's license front and back and a PDF file of my phone bill showing that I in fact has a new number. I didn't hear back from them that day. The next day I get an email that additional information was required. This additional information was to include me taking a picture of myself with a note with eight details of my account and I had to include my full arm in the photo and the whole upper half of my body. This is all just to change the phone number of my account to my new number so I can pay my bill. I personally don't understand why the information I provided to get my phone number changed didn't suffice. I feel as if this is absolutely asinine and I'll landish just to get my phone number changed so I can pay my bill. At this point I feel is borderline harassment. They're essentially refusing me access to my account to pay my bill
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not recieved a response yet, I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and its been over 60 days, so it should be deleted promptly. I demand these accounts be DELETED immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the wrong person hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several unauthorized inquiries reporting on my credit file. Please assist me in getting the following inquiries removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 Times ) XXXX XXXX XXXX XXXX ( 2 Times )
Product: Student loan

Earlier this year I applied for a consolidation loan through Fedloan Servicing. The amount of the loan that they show is incorrect. I have tried numerous times to get them to correct their mistake, and have made no progress. Here is a copy of the text of the email that I just sent them that describes the dispute. I have uploaded copies of the statements of account and bank statements. Thank you for helping me resolve this matter. 

XXXX : account # xx xxxx xxx xx. 

To Whom it may concern : Earlier this year, I applied for a consolidation loan. Before the loan went through, I obtained other financing and paid off most of the loans myself. I did not realize that the consolidation loan would go through no matter what. Unfortunately, the consolidation loan amount you show is not correct, and does not match the payments that Fedloan Servicing actually made to my accounts. I have called numerous times to get this settled, and have made no progress to get you to correct your error. I have obtained statements of my account of my previous loans that show my payments, as well as yours, and have attached them. I have also included printouts of my bank account that shows the payments I made. 

XXXX loans were consolidated. Details follow : XXXX loan # xxxxxxx. Paid in full by me with check # XXXX for {$530.00} XXXX. NYS XXXX case XXX-XX-xxxx Balance of XXXX. {$50000.00} paid by me on XX/XX/2016. {$2.00} paid by Fedloan Servicing on XX/XX/2016. 

XXXX. XXXX loan account # xxxxxx. {$10000.00} paid by me on XX/XX/2016 with check # XXXX. {$1700.00} paid by Fedloan Servicing on XX/XX/2016. 

It is easy to see from the statements of accounts that Fedloan Servicing paid {$2.00} plus {$1700.00} for a total of {$1700.00}. Please adjust this amount, and figure interest owed to the date of my first contact with you. As soon as I receive a correct bill, I will pay it in full. 

Because this has taken so long, despite numerous calls, I am filing a complaint with the Consumer Financial Protection Bureau as well. 

I look forward to resolving this matter now. 

Sincerely, xxxxxxx xxxx XXXX is worth living.
Product: Credit reporting or other personal consumer reports

I paid the XXXX XXXX account off they are reporting it on my credit report as charged off and have delinquent payments on it have asked them to please provide me the information they never have gotten with all three credit bureaur just to find out that they will not delete this from my credit report the address is wrong also on this account they have an address I never lived at please have them delete this today here 's a copy of an old credit report that shows that I only owe {$30.00} in XX/XX/2020 and then it was paid off in XX/XX/2020 here 's another copy of the credit report how can they put that it was charged off
Product: Credit reporting or other personal consumer reports

This account is reporting inaccurately, I am seeing repetitive late marks and inaccurate payment history, I see repetitive 30, 60, 120 & 180 days late marks which is clearly inaccurate and in violation of the FCRA, since XX/XX/year> XXXX is reporting GOOD payment history while XXXX XXXX XXXX is reporting with late remarks.
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. 

Account name :, XXXX XXXX XXXX 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

These two companies are reporting i have a negative account with them and it is fraudulent i have mailed a notarized affidavit to both companies letting them know these are not my accounts that they allowed to be opened ONLINE without verifying who was really opening the accounts. I retrieved account information from credit bureaus. 

Bank of America - {$3600.00} XXXX XXXX2019 XXXX XXXX XXXX XXXX XXXX - {$2200.00} XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XXXX XX/XX/XXXX Dear TransUnion Just to start things off, XXXX days should be enough time for your company to send me the information that XXXX requesting regarding the last investigation you did on the following account listed below. 

XXXXXXXX XXXX XXXX  | XX/XX/XXXX : Account number : N/A, Inaccurate. The bureau code information needs to be fixed quickly. 

XXXX : Account number : XXXX, Inaccurate. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. The bureau code information needs to be fixed quickly. 

XXXX  XXXX : Account number : XXXX, Inaccurate. The bureau code information needs to be fixed quickly. 

XXXX XXXXXXXX : Account number : XXXX, Inaccurate. The bureau code information needs to be fixed quickly. 

XXXX XXXX  Account number : XXXX, Inaccurate. The bureau code information needs to be fixed quickly. 

You verified this account pretty fast. I have a simple request. What procedures does your company have in place to investigate accounts? Can you send me a copy of those procedures? Second, what data are you basing your verification off? Please send that to me also. I want to make sure you are following the law. 

XXXX Days should be enough. 

Tracking all letters. 

Waiting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have 2 inquiries on my credit that I have disputed several times & have yet to be removed. The accounts are fraud & I was a victim of identity theft. The 2 accounts listed were XXXX & XXXX
Product: Checking or savings account

On XX/XX/2019, I deposited a check with JP Morgan Chase in XXXX, Texas. The check was my payroll check from the XXXX XXXX. The check had a small tear from when we opened it on the bottom perforated envelope, but I included all parts of the check in the deposit. The bank accepted the deposit and I went my way. 


I learned two days later, that Chase had put a 'hold ' on the check. I later, on XX/XX/XXXX, got a letter from Chase- their first correspondence or notice, that a hold had been put on the account because they 'were n't sure the check would be cashed by the issuing bank ''. 

I called Chase on XX/XX/XXXX, a recorded call, and was told the bank was holding the check 7 business days- 12 days in total, to see that it cleared. 

I contacted XXXX on XX/XX/XXXX and explained what had happened, asked them to stop payment on the original check and reissue. They had me fill out a form and went to work on getting me a new check. 

Later that day, XX/XX/XXXX, XXXX sent me a note explaining the check had already been cashed and funded by XXXX, and sent me a copy of the Chase/XXXX  transaction completed on XXXX XXXX the day after I deposited the check. 

I sent Chase a secure message on XX/XX/XXXX noting they had the funds, that their reason for 'holding ' the deposit was moot since the bank had cashed the check before they even mailed me their letter. I asked again, as I did on XX/XX/XXXX, for interest for them holding my monies and that they release the check to my account. 

At this point I am filing a complaint for Chase illegally holding these funds, lieing to me about the process and why and refusing to release my funds. I want my funds, interest and whatever penalty I am due.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reporting these accounts, the reporting companies are violating my rights according to the Fair Credit Reporting Act. My federally protected rights to privacy and confidentiality have been violated by reporting agencies according to 15 U S Code 1681.My rights have also been violated by the lender because they never gave me the option to opt out of this information being reported. 15 U S Code 6802 clearly state that any financial institution that share information with third party affiliates are required to give the consumer an option to opt out of their information being reported. That option was never giving to me. 15 U S Code also states I have a right to privacy, and going on to say that reporting agencies can not furnish reports without my consent. I have tried time after time to dispute these items but the continue to be reported by two consumer reporting agencies. 
Account # XXXX US DEPT OF ED/XXXX  Amount {$44000.00}
Product: Debt collection

didnt provide completeness, accuracy, statements, or contract of debt ... The debt collector also Has Fake address and phone number... i sent a letter to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX sent my letter back as undeliverable and the number ( XXXX ) XXXX they have for contact is not theirs!!! 
Furthermore the address po box XXXX XXXX  XXXX, XXXX XXXX is also a false address for mailing and they didnt provide a phone number for that address ... this debt collector company has false information to contact them to resolve my issues!!!
Product: Credit card

On a recent trip to XXXX, we were charged an exchange rate on our credit card { Chase Bank } well in excess [ over XXXX % ] of the rates posted at local banks and Chase Bank competitors. The banks market waiving the " transaction fee '' which was for a flat rate communicated by the bank in favor of this much greater fee ... the calculation of which is not stated. Is n't there a fairer way to calculate and communicate the exchange rate? 

Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions I authorized. There are variation of companies name, account numbers are incomplete, variations of balances. XXXX XXXX just continually update when I asked for deletion and not verification even though they have been sued. XXXX has been on my credit report for years refusing to remove themselves they use deceptive practices by using variations of their name to stay on consumer credit report. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX Experian and XXXX XXXX all three agencies have had data breaches. On XX/XX/2022 my credit score has plummeted over 100 points. SEE ATTACHMENTS
Product: Credit card or prepaid card

They say I am over my credit limit by {$240.00} but my balance is {$700.00} under my credit limit. I called customer service to enquire why this is and the first rep said she would look into it and then put me on hold for 14 minutes before disconnecting me. I called back and spoke to a XXXX who put me through to a supervisor. I explained to him I was on hold and then disconnected and he apologized and offered to look into my problem. He then put me on hold for 33 minutes before disconnecting me. Finally on the third call a supervisor was able to tell me in 30 seconds there was a hold on my card for a reservation I made. This should not have taken me an hour to find out.
Product: Debt collection

On XX/XX/XXXX I mailed a letter of VALIDATION to XXXX XXXX for 6 different accounts via certified mail. I haven't had any knowledge of these debts or any contract with this company so I requested VALIDATION. This company received my letters on XX/XX/XXXX. I received a response from them on XX/XX/XXXX. The response did NOT include ANYTHING that VALIDATES the debts are mine. This company did NOT provide ANY documents with signature for VALIDATION as requested.
Product: Student loan

I have called multiple times about the payments not being fully taken out. I set up auto payments to do so, and they still do not charge me the total amount. I have contacted Mohela to express my concerns about the late payment. I should not have late payments, but their system only charges me a portion. My credit was ruined in the past because my old loan servicer did not contact me to let me know I was being charged for the loan. I am trying my best to prevent it from happening again. I am distraught because the times I have called, they claim to have fixed it, but it is a lie. At this point, I worry that it is intentionally being done to make people delinquent on their loans. They know their system is messing up and refuse to fix it to provide us with quality loan services.
Product: Credit card

I have a charge off on my credit report and then it was sent to a Debt Buyer. It was with XXXX XXXX Bank and the debt company is Midland Funding. The amount was {$460.00} the account was open XXXX. I have never has a credit card in my life so I need to find out how this happened and how to get it taken off my credit bureau?
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint because my credit score never been updated on a timely manner My payment history is great however my credit score stop at XXXX score rating as per XXXX score rating which is used by Banks, I want my score to be updated and reflect my Payment history, my score is frozen on XXXX score rating and when Mortgage companies run it it shows XXXX, I'm very confused because my score never been updated for the last 7 months XXXX, XXXX and Transunion never updated my credit score on a timely manner
Product: Credit reporting or other personal consumer reports

I was told by a creditor ( XX/XX/24 ) that they were unable to pull my file because Equifax locked my file ; they advised me to reach out to have the lock removed and I did shortly after. I was told by a rep that i didnt not have a lock or a freeze on my account so I mentioned that my file can not be accessed by a credit and after some digging, the rep mentioned that there seems to be an internal lock due to missing information and that I would need to send in a copy of my social security card and drivers license. I told the rep that I was not comfortable in mailing that information and asked if I could upload it and they said yes and offered to assist me. I said that i have never used the website before and they mentioned that I already had an account which I found odd. So i asked for the email address and they said I didnt have one on file which is odd again because how can i have an account without an email? I was told to use the " need help signing in '' option to reset password and after I completed all of the fields, I received a message to call customer service which I already happened to be on the phone with. They proceeded to tell me that they will escalate it to technical support. I mentioned that this is time sensitive and still have not heard anything back. I called today ( XX/XX/24 ) and the rep provided me with a " reset password '' link and once i select continue, i get an error message stating " we are temporarily unable to complete this request ''. The rep said to try back in XXXX minutes and that the system is updating. During this call, the rep states that there is a notation made requesting copy of my social security card and drivers license to update the file. My frustration is I verified my information using the automated system using the same information that you are requesting that I send in. What is it that needs updating???
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to 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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to 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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redrets for these violations.