23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX-XXXX XXXX and or Nissan Motor Acceptance Corporation is reporting inaccurate information on all 3 credit reports. XXXX-XXXX  XXXX and or Nissan Motor Acceptance Corporation is reporting inaccurate information on all 3 credit reports. The account has been validated according to the Texas Finance Code 392 and Nissan Motor Acceptance failed to provide any documents showing that I agreed to this debt, additionally they are reporting a past due amount but in 2016 sent me a 1099-C form showing canceled debt which I have reported on my taxes and paid taxes on. By them reporting that I am " past due '' and showing a balance they are reporting inaccurate information per the Texas Finance Code 392 and FCRA. I am requesting that they delete this account on all 3 credit reports immediately.
Product: Money transfer, virtual currency, or money service

They took XXXX I had in my Venmo account was sent to other account filed proper complaint and nothing was done nor did they give me explanation I never authorized this payment nor do I know the user it was an unauthorized transaction
Product: Money transfer, virtual currency, or money service

I sent the money to XXXX through bank to bank transaction with XXXX XXXX on XX/XX/XXXX. It informed me that it will take upto 5-7 days. I wrote my issue online to them where they replied saying they will have an answer within 24 hours but never contact me. I called the company after 7 days to address the problem that the receiver has still not received the fund transferred in their bank account. They just emailed me a form with the status that the money is transferred successfully! 
This is the slowest company I have ever used the service of ( even to respond to the issues ) I just demand my money back and will not use XXXX XXXX ever because they do not have a proper system of resolving their customers ' issues.
Product: Mortgage

My grandma passed away and XXXX XXXX XXXX XXXX  I know that my grandma had a reverse mortgage attached to her house and so I first start communicating with my grandmas reverse mortgage company back. Then I asked for appraisal and they refused to communicate with me and I, when I finally communicated with me I asked for a second appraisal they was gon na give me a short sale for {$30000.00} but in the meantime Covid hit him and I didnt have the {$30000.00} to pay off my grandmas reverse mortgage, but I did file a complaint for the lack of communication and off the record. They told me that they are not trying to kick me out of my house And so I did not do anything more in the meantime XXXX XXXX XXXX XXXX XXXX XXXX at a house fire and so my insurance company finally settled my claim so I start communicating with the reverse mortgage company again to pay off my grandmas reverse mortgage with the proceeds from my insurance company OK and I sent my second or third complaint I filed against this reverse mortgage company and because they refusing to give me an appraisal. My grandmas house when I live in it the last appraisal was {$30000.00} my grandma and then I could live in the house at that time. OK theyre trying to get me to pay off {$86000.00} reverse mortgage of my grandmas because its been out of a year been longer than a year and Which is fine OK but I can only violate the rules they allow me to violate the rules, and they violated their own rules by getting me to live in my house for as long as I did it to have a house fire, and to begin with the rules only applied them OK when its convenient for them when they can get more money out of me thats unfair. I shouldve never been allowed to live my house for that long to have a house fire. Therefore I feel that I should get my appraisal and I shouldnt have to pay off {$86000.00} reverse mortgage OK for a house thats inhabitable I want to be able to. I will have nothing left to fix my house or do anything with my house at that price
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is only reporting one account on my credit report. I have contacted transunion by phone three times, in writing and submitted a complaint through this website as well. Still nothing has changed on my credit report.

Below is a list of accounts along with there status that are not reporting on my Transunion report but is reporting with XXXX  and XXXX. 

XXXX XXXX XXXX XXXX - Closed and Current XXXX XXXX XXXX - Closed and Current XXXX - Open and Current XXXX - Open and Current XXXX  XXXX - Open and Current XXXX - XXXX - Closed and Current
Product: Credit card or prepaid card

XXXX XXXX, the fees they charge don't bring your account down when making monthly payment. Also when signing for this card I was told I either do it to have the XXXX or not and nothing about any promotional offers was given to me at time of signing and that is one of their excuses for charging me extra. I've been making {$110.00} dollar on average payments and it seems to be going nowhere. XXXX XXXX I think take advantage of the needing and poor to advance their company and it should be stopped. Especially when I went in for another XXXX with a different doctor a few months later and they did it with out question. I feel they are robbing people and they should be investigated. Me and my wife compared our credit card to this company and it is no where in comparison. XXXX XXXX charges a XXXX security fee each month on top of a 26.99 interest rate. It is only beginning of XXXX and here is a description of the fees they have already received. 
Tran Date Post Date Reference Number Description Amount FEES XX/XX/2018 XX/XX/2018 Card Security XXXX {$42.00} TOTAL FEES FOR THIS PERIOD {$42.00} INTEREST CHARGED XX/XX/2018 XX/XX/2018 INTEREST CHARGE ON PURCHASES {$64.00} TOTAL INTEREST FOR THIS PERIOD {$64.00} 2018 Totals Year-to-Date Total Fees Charged in 2018 {$98.00} Total Interest Charged in 2018 {$140.00} Total Interest Paid in 2018 {$760.00}
Product: Debt collection

I never authorized these companies to do a credit report on me one of them is saying I owe money that I never authorized them to do
Product: Credit reporting or other personal consumer reports

I am submitting this request to bring to your attention the distressing situation I find myself in due to what I can only describe as unfair and abusive debt collection practices. As a consumer, I believe in my rights to fair treatment and prompt resolution.According to 15 USC 1692 a congressional findings or declaration of purpose, You are hereby informed that as a result of your fraudulent practices with the intention to cause harm, I have suffered mentally as well as financially. The account that brings me distress is listed below : Capital One
Product: Vehicle loan or lease

Purchase of a vehicle XXXX under the name of XXXX XXXX, I was offered of complete services and guarantees, this information was not accurate as I needed the services for my vehicle, I was told that my car does not have any insurance whatsoever, which was offered to me the day I got the vehicle. I noticed that they increased my payment per month, due to the services that were offered to me, but they are not respecting the offer. Therefore the services are not included at all. My current payment is of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - First extended Service XXXX - LIFETIME OIL CONTRACT XXXX ( They omitted information where to perform the services ) -GAP Insurance XXXX Acount number XXXX XXXX There was some sort of attitude from the finance XXXX, when we were making the claim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX  charge card through XXXX XXXX. I have a XXXX   balance and have always paid my entire full balance EARLY each and every month -- well, basically as soon as charges appear on my account. Even though I have a XXXX balance and there are NO BACK-ORDERS they keep reporting that my available credit is only {$350.00} when it should be {$900.00}. 

Attachment 1 - Shows that I have consistently paid my balance off as soon as charges show up on my online account. 

Attachment 2 - Shows the erroneous available credit compared to my credit limit. 

Attachment 3 - Shows my .pdf statement has it correct, but the bank insists that I only have a {$350.00} available credit instead of the TRUTH -- {$900.00}.
Product: Debt collection

On XX/XX/2023, an agent representing XXXX XXXX XXXX  released information about my debt to a third party via telephone. The agent contacted the third party, my father, at a phone number not associated to my account. He asked who was calling and what it was in regards to. The agent informed the third party that they represented XXXX XXXX XXXX and were a debt recovery agency. They further advised the third party that they were trying to reach me in regards to several XXXX XXXX that I owed to them in debt. This third party was unaware of my debt, much less that it was several XXXXXXXX XXXX  and explained to XXXX XXXX XXXX that his phone number has no connection to me. He further explained we live at separate addresses, do not share any finances, he confirmed the phone number the agent gave him was my only contact number, and advised the agent that he would pass along a message for me to contact them. 
After the third party advised me of all the information that XXXX XXXX XXXX disclosed to him, I placed a call to the phone number the agent gave him ( XXXX ). A gentleman answered the phone and identified himself as representing XXXX XXXX XXXX. I gave my name and explained that my information had been released to a third party without my permission. I also advised that I would like to discuss my debt as well as address the release of information. The gentleman stuttered, asked me to hold, and then placed me on hold. When he returned to the line, he stated he had to connect me with a supervisor and transferred the call. The line I was transferred to had a generic message. It did not identify a specific person and indicated to leave a voicemail with my name, phone number, and best time to be reached. I left my name, phone number, best time to be reached, as well as a detailed message. I explained that one of their agents released my personal financial information to an unaffiliated third party without my permission. I explained what information was released, stated that they should remove the third partys contact number from their database, explained that I believed the release of information without solicitation or my consent was illegal and asked for someone to please call me back to discuss. I have not received a response from anyone with their company. I have read the governments guidelines on collection agencies responsibilities in regards to protecting consumer data and release of information to third parties. I believe XXXX XXXX XXXX has violated the governments regulations by releasing my information to an unaffiliated third party without my concent. They have also failed to contact me to address this violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CPBP, I'm reaching out again on a separate but related issue to my original complaint against XXXX  XXXX XXXX ( XXXX  : Complaint XXXX ). 

Recently, I had to dispute an erroneous late payment with XXXX  XXXX XXXX. They reported that I had made a late payment, which was an error but it resulted in my credit score taking a massive hit. Eventually, XXXX corrected that information so now my account is in good standing, and my credit score, which went from a XXXX to XXXX is now at XXXX. 

However, because of XXXX 's actions, there were domino effects. I had an account with XXXX and had been paying off a 0 % APR balance for 24 months. They decided to close my account based on the information XXXX sent to them, which was based on XXXX  XXXX XXXX 's mistake. They closed my account while I had a remaining balance of {$800.00} because of a report they received from XXXX. Currently, that account shows up as a " settled '' account even though I had been making on-time payments and still have till XX/XX/2023 to complete the payment before the 0 % APR ends. 

I would like to dispute the incorrect information on my account and remove the " settled account '' from showing up on my credit report. When I reached out to XXXX, they told me to contact XXXX as their decision to close my account was based on a letter sent from XXXX. When I reached out to XXXX, they told me to contact XXXX. 

I've attached supporting documentation, showing everything that has happened ( my corrected credit report showing the XXXX  account is in good standing, my communication with XXXX  regarding what happened, the alert I received about my " settled '' account, etc. ) I'd appreciate your help once again. 

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

In accordance with fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1666b - Timing of 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.
Product: Debt collection

I received mail from AMCOL SYSTEMS saying I owed a alleged debt. AMCOL SYSTEMS listed XXXX XXXX XXXX as the original creditor. AMCOL SYSTEMS is in VIOLATION Pursuant to Title 15 u.s.c 1692b ( 2 ) stated that the consumer owes any debt. AMCOL SYSTEMS is in VIOLATION Pursuant to Title 15 u.s.c 1692b ( 5 ) any language or symbol on any envelope or communication indicating debt collection business. XXXX XXXX XXXX XXXX is in VIOLATION Pursuant to Title 15 u.s.c 1681a ( 3 ) Restrictions Of Sharing Medical Information & VIOLATION Pursuant to Title 15 u.s.c 1692c ( b ) Prohibits Communication with anyone except consumer, consumers attorney, or credit bureau concerning the debt
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I messaged support asking if I received an ACH from one of my customers would it be available same day. The representative told me it would be available same day. I told my customer to go ahead and send the ACH based on that information once I received it I did not have instant access. I called back and spoke to support and told them what their support team told me, they told me they were wrong and that was that I would have to wait for the funds for three business days. It has been three business days. I still have not received my funds in which I need for my business to operate. I called Square spoke to a representative and she said it may be tomorrow or it may be the day after no definitive answer. I asked to speak to a manager The representative told me he was just going to tell me the same thing she said, and I said I would like to speak to a manager, regardless. When I got on the phone with the manager his name was XXXX. From the start, he was very argumentative told me nothing could be done that I just had to wait. I explain to him that the funds already left my clients account and this is holding up the work that I have to do for him again he said he could do nothing. He said the team that processes these things are usually backed up. I asked to speak to the team that processes ACHs He said no I also asked to speak to his manager, and he said his manager is not client facing nor available. This is completely unacceptable considering I have been waiting five days for these funds when I was told that it would be instant. I even told the manager that I have a bank that processes the same day ACH is and he said he does too. This one just doesnt then said this conversation looks like its going nowhere and hung up on me. 

Not only is this poor customer service for a manager theyre also giving false information regarding their ACHs. I also forgot to mention that he asked me if I thought there was a magical button that he could push to give me the funds. It was a terrible interaction from the start. I told him Id be reporting to the CFPB and he told me to go ahead and do that and that he could not give me his last name. Hes just XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX, AND XXXX ARE KNOWLY AND FALSELY REPORTING INFORMATION FROM XXXX XXXX AND XXXX XXXX ON MY CREDIT FILE THE OPENED DATE AND THE DOFD DATE OF FIRST DELIQUENCY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I attempted to get and save as a PDF my Equifax credit report from AnnualCreditReport.com. I have been able to get my reports from there before with no issues until now. After inputting my personal information it kept putting up a screen to call them, so I did. They directed me to myequifax.com to sign up and get my report there. Although I successful in signing up and viewing my credit report, I was unable to print or save my credit report as a PDF. I called Equifax to find out how I can print or save it, the representative told me that printing or saving a credit report from my equifax is not allowed for " liability reasons '' Why is that? Is it to make it harder for me to send disputes up for the multitude of errors on my credit report?
Product: Debt collection

Eastern Account System of Connecticut Inc. or their client Wow! internet services has never addressed four letters I sent to them and fraudulently reported a past due, that I am not responsible for, to collection agencies.
Product: Credit reporting or other personal consumer reports

Experian is stating that my credit had to be decreased by XXXX due to some delinquency with some sort of payment. However, it's not showing and I can't find anywhere I've been delinquent with any payments at all so I need some assistance to remedy this matter. I feel as though there's some false information being reported on my Experian credit report since I've recently removed the freeze/lock from them. Please advise, Thank you.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I obtained a loan with Mariner Finance. A little time went by and I knew my first payment should be coming due but I remembered it being greater than 30 days out from acquisition. I looked for my paperwork but soon gave in to the fact Id misplaced it. By XX/XX/XXXX Id heard nothing from Mariner concerning my payment being late so I paid them a quick visit to inquire about the due date. I was told I was paid up. A payment had been received in their corporate office and applied to my account in the amount of {$3500.00}. PuzzledI asked several times, Are you sure? The ladies all replied, Yes! You have money available if you need it and would like to refinance. Shocked and bewilderedI stated, Well, maybe my kids found the contract and sent in the payment as its happened once before. XX/XX/XXXX rolled around and my son needed money for college tuition. I went back to Mariner on XX/XX/XXXX and took them up on their offer to close out the previous account and refinance. It was a 12-month note. I made all my monthly payments in person at their XXXX, TN location. Although this fell within the COVID pandemic timeframe I was able to pay a little extra thru out the term of the loan and was due to pay it off one month early ( XX/XX/XXXX ). In XX/XX/XXXX I noticed Id received a couple emails stating, Our records indicate that your account is currently past due. We may have options for you. I called the local office to question the reason for the emails since I knew I was paid up and very close to paying them off. I was told someone would call me back. The XXXX called the next day and stated I was past due on repaying the {$3500.00} back. I was told the original loan had been opened back up in XX/XX/XXXX due to a clerical mistake. The {$3500.00} had been reapplied to it with the first payment being due in XX/XX/XXXX. I was taken aback as this was the first Id heard of it. On XX/XX/XXXX I paid back the refinanced account in full. Is this an acceptable business practice? Can they reopen an account that had been refinanced and is now paid in full? Why was there no communication? Why was I not previously told about this action as Id visited the local office many times thru out this timeframe making monthly payments in person? I was told I should have received something from corporate in the mailwhich I did not. I was told theres nothing they can do about a mail issue.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I applied for an extension of credit {$40000.00} I was denied. This is a direct violation of my consumer rights 15 usc 1602 ( f ) tell me credit is my right. I can not be denied a right. 15 usc 1602 ( p ) makes it clear that they committed fraud and used my credit card without authority and I received no benefits. Federal Reserved section 16 part 2 says my application was the collateral and it says that the collateral is worth dollar for dollar for the value of the federal note that was taken from the federal reserve bank. So, since those Federal reserve notes was exchanged they wasn't even changed so I would like to use the credits that arises from that transaction. I would like to apply it to the principal account. I would like you to obtain the greatest amount of redress possible. This behavior is punishable under Federal Law This is a violation of both 15 USC 1611 AND 15 usc 1691. Also, the Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants. I have been discriminated against ; on the basis of race and defamation of character. I contacted the company and they stated for me to do what I needed to do that they couldn't extended me credit.
Product: Credit card or prepaid card

Payment was made by ACH onXX/XX/XXXX. Payment was reflected as received by issuer on XX/XX/XXXX. Increased credit due to payment was not made available for 10 business days. They say they are allowed by the FED to sit on ACH payments for 10 business days.
Product: Credit card or prepaid card

On XX/XX/2018, I had attempted to have a authorized charge of XXXX go through. I was noticed that the charge was denied. I proceeded to log into my account to see what the issue was. I had received no notification on my phone or email. By that, I mean that if there was unusual activity on the card, I would receive a notification. I log into my account and was shocked that my limit was decreased from XXXX to XXXX. I had received no communication of any kind that this would happen. 

I had called my credit card company to found out why my limit was decreased. I was told that due to my other accounts having high limits, that the XXXX report submitted to my credit card company was the reason my credit limit was reduced. I have made 100 % on time payments and explain that I was supposed to be notified weeks in advance, but the representative could not give me a clear answer. I have a store card with my credit card company where my limit went from XXXX to XXXX!