23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/XXXX I made a payment for my XXXX XXXX XXXX online with Santander USA. The next day I was reviewing pay off information on this vehicle ( certainly hoping to trade in as Santander has been an awful company to work with throughout the entire the loan ) and realized that some how an old loan is showing on my online banking and that I processed the payment to that account instead of the XXXX account. I immediately called to have it fixed. The first person I talked with was very nice, said it was no problem and that it would be fixed within 72 hours, but definitely by Friday XX/XX/XXXX. She also stated that it would be back dated to XX/XX/XXXX. I reviewed my online transactions on the XXXX. The payment had not been fixed. I called and spoke with anther representative, after some back and forth argument and telling them to please refer to the notes, they assured me that it would be fixed, not to worry. I went out of town for the week. After returning on XX/XX/XXXX I check online again. The payment still did not post to my transaction history. I called again. After some more push back and getting forwarded to a " supervisor '' they told me that they escalated the issue and guaranteed that it would be processed with in 24-48 hours. I checked today XX/XX/XXXX, 3 days later and the payment is still not posted to the account. I called and was told it was still pending and being researched. I have no idea why it would need to be researched as I have been told multiple times that it was going to be fixed, and backdated to XX/XX/XXXX. She told me that I should call back on Wednesday to check process. This is completely uncalled for and unnecessary. It should have been fixed weeks ago. Every time I call it is something different. I have no idea why this process it taking 3 weeks and now all of a sudden it has to be reviewed, as I have been guaranteed several times that it would be fixed, backdated and with no fees.
Product: Debt collection

The request for the original document that I signed for XXXX and XXXX that I showing on my report is false yet noting was sent back in writing. Mail was sent to their corporate address for disputes in XX/XX/XXXX I will send another letter in XX/XX/XXXX for them to take false claims of my credit report. Theirs was a breach of my information and they need to wipe all these false charges off my credit report.
Product: Credit card

My synchrony home card I haven't used this card in over 2 years, and on XX/XX/year> I've received a letter from Synchrony Bank stating that they have decided to close my XXXX home card due to, too many revolving accounts with high balance, not enough balance paid down over time on real estate secured loans, too many inquiries, too many bankcards with high balance compared to credit limit. I have call Synchrony bank to get a reason on why they are closing this account, and the representative could not give me a reason. I reached out the CEO of the company and they say that they will look into it, I'm still waiting on action from the CEO over this matter. I have been current in making payments on this account and every account that I have with Synchrony Bank, my previous balance is XXXX, I made a payment of {$55.00} the minimum payment is {$49.00}, and my current balance is {$1300.00}. I feel that if I make my payments on-time my account shouldn't be closed, if you can please look into this matter for my I would really appreciate it, and if you need any other information, please feel free to contact me. Thank You
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter of concern regarding my credit card account with your company. I have been a loyal customer, and I have always strived to maintain a good credit history with your institution. 

Recently, I observed that there have been late payments reported on my credit card account for the billing cycles ending in XXXX to XX/XX/2022. After reviewing my records and statements, I believe there might be an error or misunderstanding regarding these late payments. I would like to bring this matter to your attention and kindly request that you investigate and rectify the situation. 

XXXX XXXX XXXXXXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service. 

I understand the importance of maintaining a positive credit history, and I am committed to fulfilling my financial responsibilities. However, I firmly believe that there might be a mistake in the reporting of these late payments. I have always made timely payments and have never intentionally missed a due date. 

I value my relationship with XXXX XXXX, and I am confident that we can resolve this matter amicably. I appreciate your prompt attention to this issue and your cooperation in correcting any discrepancies in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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. 

XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account was not open XX/XX/2016 vechile not safety to drive the bracket that held back up was never report on XXXX XXXX. it was discover after in accident with a XXXX car NCB Management Service XXXX XXXX XXXX XXXX PA XXXX
Product: Credit reporting or other personal consumer reports

My account with AMEX was never late! I have had exceptional payment history with AMEX 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 XX/XX/2023 to XX/XX/2023 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. 


AMEX 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: Debt collection

Would constantly call me and distant relatives and would not tell me what the call was about XXXX lies when I asked. They said it was about income when it was not. Tried to give me financial advice and told me to file for unemployment since we are currently in a pandemic. I told them I would report them for harassment since I have already verified that I am who they are looking for and they said they will continue to call everyone I know until I verify my social security number.
Product: Checking or savings account

I received a debit card from XXXX today that was opened without my knowledge.
Product: Credit card or prepaid card

I have had a Capital One credit card with a credit limit of {$10000.00} for many years ( more than 5 ). I have never missed a payment. Yesterday ( XX/XX/2018 ) I received a letter from Capital One advising me it had closed my account because my " useage of the account was not in accordance with Capital One expectations of how the card would be used ''. I called to ask for an explanation. I was told I receive no such explanation and that I could not talk to a supervisor or anyone else who could or would explain why exactly my card was being cancelled. I suspect, but do not know, because I was not given the courtesy of an explanation, that Capital One disliked the fact I would make my payments in a timely fashion each month, and then charge up to the amount of each payment. I was never told I could not do this. And I am only guessing because Capital One is forcing me guess and speculate. At a minimum Capital One is guilty of Unfair and Deceptive Trade Practices and Predatory Commercial Conduct.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Phone : ( XXXX ) XXXX Account # XXXX Account Status Closed Charge Off Payment Status Past Due - {$28000.00} FCRA XXXX ( XXXX U.S.C. XXXX ) ( a ) XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX in regards to XXXX bankruptcys reporting on my public record, so they started an investigation they removed one stated that it was verified inaccurate, then the second one they stated was verified and that is totally incorrect, the issue is the XXXX reporting XXXX for 2018 thats inaccurate I never filed bankruptcy before. So I contacted the courts myself to verify the accuracy of this. And they stated that they put in my information and there is no record of a bankruptcy filing under my name or social.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
COMENITYCAPITAL/ULTA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance you are reporting I owe is incorrect and doesnt match my records. The payment history doesnt match my records. The date opened doesnt match my records. The account status doesnt match my records. Nothing matches. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried countless times to have all three bureaus understand two items. XXXX XXXX XXXX charge off was 7 yrs ago and I paid the account In Full as the check noted. Over XXXX XXXX  
Second I have one student loan payment. They are reporting late payments as XXXX for each loan that the payment is disbursed across. This is absolutely ridiculous and unfair and no one seems to care at all.
Product: Credit reporting or other personal consumer reports

In accordance with a Fair Credit Reporting Act the list of accounts below has violated my federally protect the consumer rights to privacy and confidentiality under 15 USC 1681 XXXX ) XXXX XXXX : # XXXX, XXXX ) XXXX XXXX : # XXXX XXXX ) XXXX XXXX XXXX # XXXXXX***********, Has violated my rights. 15 USC 1681 section 602a States I have rights to privacy. 15 USC 1681 section 604 ( a ) Section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years. 15 USC 1681 s-2 ( a ) ( 1 ) a person should not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 6802, i never receive the required opt-out notice at the time the account that is being reported ( they never give me the opt-out notice ) .i have a right to opt-out from any reporting of non-public info.
Product: Debt collection

I rented a XXXXbdrm from the XXXX XX/XX/XXXX to XX/XX/XXXX. I submitted a notice not to renew my Lease to XXXX on 3 different occasions with a request for an additional 4 days. Payments and adjustments were made and my balance settled. 3 years later XX/XX/XXXX after a new management company took over the XXXX and branded the community i was sent a collections notice. 

The notice stated that i had a balance for not paying my rent. After speaking with the collections agents on several occasions i as advised that i had terminated my lease prematurely. On other occasions i was advised that i provided to much notice in advance of the minimum 60 days i was advised that i had to give 60 days and not more or less. 

I provided copies of my request to terminate my lease that i was able to locate. there are XXXX more which i requested from the leasing office but was advised the the documents were destroyed during the remodeling process. 

A copy of my ledger was sent to me along with a copy of the charges. A few things are of great concern. 

1. ) That an insufficient notice was added the day of my move out XX/XX/XXXX then removed on XX/XX/XXXX. I assume this was because the notice for my lease termination was not applied on XX/XX/XXXX but on XX/XX/XXXX. 
2. ) A correction was made to the charges on XXXX XXXX for both utilities and insufficient notice as this was paid in full on XX/XX/XXXX to cover through XX/XX/XXXX including my initial security deposit. 
3. ) The ledger shows a {$0.00} balance since XX/XX/XXXX. 

After 3 years and a XXXX balance ledger i am being sent to collections {$0.00} balance plus interest amounting to {$1300.00}. 


The original agent i spoke with is still at the current management company and has indicated that this is a regular occurrence and has indicated that she did in fact submit my notice in advance of the 60 days required however i was advised that i would have to go through the collections agency of Hunter Warfield who is unable to or unwilling the reach out to the rep who handled my case. to resolve this issue.
Product: Credit reporting 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, Account number XXXXAccount name : 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: Money transfer, virtual currency, or money service

I recently opened a business account with PayPal. With this account I also opened a virtual terminal account with a pay here card reader. In there disclose it says that all money processed through the card reader will be made available immediately. All money processed without card reader after  XXXX  Will be held in reserve. Well i used the card reader for all my transactions and they feel that they can hold my money in a reserve anyway. All transactions were done and approved by sliding cards through the reader. When I try to talk to them about it they just keep saying they ca n't help me. Please help. I have a new business and really need this money.
Product: Credit reporting or other personal consumer reports

I received a letter from XXXX on XX/XX/2023 that my student loans have been forgiven. I kept watching the 3 credit bureaus to see if the balance would drop to XXXX. I placed a dispute with all 3 credit unions in XX/XX/2023. They came back with no change, full balance. I called XXXX on XX/XX/2023. They said it should be cleared off by XXXX. It still shows up on all 3 reports as of today XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account XXXX XXXX XXXX  the fraudulent account with Transunion several times and asked them how they verified the account and they dont send me details how they verified account, only that it has been verified account. I have have even sent them information how XXXX  and XXXX  have taken the account off my credit and they still want remove it. So my last result was contacting this agency for help.
Product: Debt collection

So I sent you guys a letter about XXXX weeks ago and still haven't heard anything back. You guys are reporting inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

Greetings and Blessings from the Most High XXXX, Per the FCRA as a federally protected consumer, I XXXX XXXX XXXX am now opting out of any and all authorization, I the consumer may have given you XXXX XXXX XXXX  XXXX written, unwritten, verbal and nonverbal per 15 usc 6802 and Family Educational Rights and Privacy Act of 1974. You are hereby ordered under the command of the Most High XXXX to cease all transmission of XXXX XXXX XXXX non-public personal information to any nonaffiliated third parties as it pertains to account XXXX. To include but not limited to the Credit Report Agencies and their subsidiaries. 
Thank you for your full cooperation in the matter. 

Blessings and Peace upon You.
Product: Student loan

I took out a private student loan with XXXXXXXX XXXX in XX/XX/XXXX to attend the University XXXX XXXX. I've been in school on and off part time to full time since that time and have been in and out of in-school deferment with that loan. It was recently sold to Navient in XX/XX/XXXX when I was enrolled full-time and was in an in-school deferment. In XXXX, I was informed I would no longer be in deferment for that loan since I was not enrolled in classes over the summer and contacted Navient. They informed me my only option to avoid repaying my loan was to go into forbearance for the loan for three months until I started school. I was told I could go back into in-school deferment at that time. From XX/XX/XXXX, until XX/XX/XXXX, I was in forbearance. A payment was billed to me at the time and I started school again full-time on XX/XX/XXXX. My loan still hadn't been put into in-school deferment as of XX/XX/XXXX, so I contacted Navient and they verified I was in school and applied for an in-school deferment. On XX/XX/XXXX, I received an e-mail stating I was not eligible for deferment with no reason given. On XX/XX/XXXX, I contacted Navient again and spoke with a specialist who informed me my deferment time had expired in XX/XX/XXXX. This is misinformation as I was told the only option I had in XXXX was to go into forbearance. Deferment should not have expired if I was forbearance or I should have been told deferment was an option.
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT 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

received letter saying I owed {$7700.00}. from CBE Group. When I called them they said it was XXXX XXXX. I called XXXX and they could not locate the account number on the letter from the collection agency. After speaking with them on chat I have downloaded a fraud claim form off their website.
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 Fraud Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial lost, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of consumer report and violation of consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from XXXX XXXX that their had been an entry on my credit report. I looked at my credit report at XXXX and found a report from Capital Accounts on a supposedly account i have with XXXX XXXX in North Carolina. I contacted Capital Accounts and spoke with a lady by the name of XXXX. I gave her all my information and reported I have not been to a dentist since XXXX. I then called the Dentist and spoke with several people and finally got to speak to a lady in the billing department. I went over all information and she reported she did n't know how that collection agency got my information or my social security number. She report this should be under my sons name which is the same but he is a Jr. She reported she will notify Capital Accounts to have it corrected. I filed a dispute within XXXX and the final report has not been changed. Its amazing how in our society a company can get your information and file any report and the credit bureaus do little to nothing to get it corrected. Does this not fall into the classification of identity theft on both the collection agency and the credit bureaus?
Product: Mortgage

Back in XXXX, I applied with Members XXXX XXXX XXXX XXXX to pay off a HELOC I had at M & T Bank. During the application process, XXXX identified that there were XXXX XXXX mortgages showing as unsatisfied when they pulled the title search. I contacted M & T because XXXX merged with M & T. M & T provided me with a letter stating that the mortgages were paid off. I have since misplaced the letter In XX/XX/XXXX, I put in an application to refinance my HELOC with XXXX. M & T Bank has still not satisfied the XXXX mortgages, and I had to contact them again to ask for proof that the mortgages are paid off. They are asking me to provide them with the title search and copies of the mortgages ( see attached email ). They should have all the information they need to satisfy these mortgages, and the fact that they have let this sit out there for 10 years is unacceptable. I had to pay money to get copies of the mortgages ; however, they are completely complicit in the fact that these mortgages were not satisfied when I originally requested the information. I have attached the mortgages for your review. I should not have to pay anything to get these mortgages satisfied. Because they haven't satisfied the mortgages, it would make things complicated if I wanted to sell my house, possibly causing me to lose the sale of my house.