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

I had fraudulent charges on my credit card after I lost my card. I reported the loss to the Bank by phone and in writing. I did everything required of me pursuant to the Federal Fair Credit Billing Act, and I request that the Bank do the same. It took constant calls to the Bank to investigate the matter. I requested that they produce all the signature receipts to prove the purchases where mine. The Bank finally produced some of the documentation, but not all. The documentation they did produce proved to me that the purchases were not made by me. I communicated these facts to the Bank but the Bank continues to claim that I owe the money. They have to date never produced all the documentation. The Bank 's resolution to the problem was to charge off the amount and report negative information on my credit report.The Bank 's action has prevented me from gaining credit from other sources and is totally contrary to the provisions in the Federal Fair Credit Billing Act. Their action has negatively marked my credit worthiness and reputation.
Product: Credit card

On XX/XX/2023 around XXXX est I called bread financial regarding their caesars credit card. I called because my statement showed that I had available credit for a cash advance, but I wasnt able to use the card. The rep answered the line, put me on hold for a few minutes and when she returned she told me their systems were down and she did not know when they would be back up and running. I feel is though, because I have one complaint about the company that they were blocking me from using that particular function of my card. I figured since they are blocking me from using the cash portion of my card then I dont need the card so I close the card because I am truly unhappy with the service that they have displayed and I am a loyal customer. I have always made my payments on my bill and I dont understand why I am being treated this way. I feel like though they are discriminating against me.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm is reporting XXXX collection accounts. Proper notice was not provided in accordance with Utah ( the state in which I am resident ) state statue regarding reporting. A copy of that law is attached. 

Affirm is reporting XXXX accounts as 60 days late. Proper notice was not provided in accordance with Utah ( the state in which I am resident ) state statue regarding reporting. A copy of that law is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company illegally checked the status of my stimulus payment and demanded payment from the stimulus. Sent XXXX complaint which included a copy of the recording
Product: Debt collection

In XXXX of 2021, I noticed that there were multiple accounts listed on my credit report from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX. Not recognizing these accounts and the amounts that they claimed that I owed, I immediately sent account validations letters to XXXX XXXX XXXX asking for proof as to where these accounts came from as I believe I may have been a victim of fraud or that this could have simply been a mistake on their part. After not hearing any thing from them for over 90 days, I sent validation request letter to XXXX XXXX XXXX since they were the ones that actually listed these multiple fraudulent accounts on my credit reports. I am talking 6 accounts for different frivolous amounts. After not hearing any response from XXXX, I have disputed these accounts with Transunion and XXXX. XXXX found these account to be frivolous and removed all of them except for two accounts in the amount of {$96.00} and {$110.00}. Transuion has not investigated these accounts and continues to report them months. By law I am due a simple investigation or even a proof of validation in regards to these accounts. I want these accounts removed form my credit reports ASAP since it is evident that these accounts were placed on my credit reports in either a weird way to damage my scores or by accident. 
Either way it should have be rectified when i alerted not 1 but 3 companies in the mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I issued a standard billpay to be sent from XXXX to an M & T RV Loan due to arrive XX/XX/2021 as I have done before. Then as XX/XX/XXXX approached, the billpay had not cleared. 

XXXX confirmed the check was cut and sent on time. I called M & T and they stated there was a XXXX delay and lots of billpay checks were late. They were aware, they waived the late fee ( as shown in the attachment ) and assured me it would NOT affect my credit. 

On XX/XX/2021, I put a stop pay on the XXXX billpay check ( PER M & T 's REQUEST ) and paid the amount directly to M & T. 

Once again they assured me it was not my fault and it would not affect my credit. 
Well it DID affect my credit resulting in a 150 point drop and the reduction of at least 3 credit lines. I called M & T and they told me sorry nothing they could do, take it up with the credit bureaus. Thus far, the credit bureau disputes I have submitted have not fixed the issue. My credit and credit lines were massively hit and no one will correct this. I was not late and M & T ASSURED me this was not my fault and there would be no penalty for me.
Product: Vehicle loan or lease

I purchased a vehicle from the used car dealership, XX/XX/XXXX ( XXXX, CA XXXX ) in about XXXX of 2020. I purchased the car for {$12000.00} from the dealership and put down {$2000.00} cash for deposit. I then financed the vehicle through California Auto Finance. During this time the covid crisis had gotten worse and financially I was looking for help with the finance company and asked to defer a payment. They no longer allowed defered payments! I was late on a few payments but then settled up after all was said and done. I logged onto their website and noticed my original loan was for {$12000.00}. However, in a months time my balance had jumped from XXXX to {$16000.00}. They claimed it was from late fee 's ( XXXX ) and those late fee 's accumlate interest. Apparently to the upwards of XXXX XXXX XX/XX/XXXX? Something is majorly wrong and none of them can even explain this math logically to me. I noticed onXX/XX/XXXX website and XX/XX/XXXX that there are tons of reviews of this company doing fradulent work. I have tried to resolve this issue with many of their employees as well as I have tried to reach out to their CEO on XXXX to try and resolve this. SOMETHING IS MAJORLY WRONG HERE! I'm literally being strong armed by this company!!!!!!!!!!!!!!!
Product: Debt collection

I was on payment plan with  XXXX  for overpayment of benefits that i was paying $   XXXX   month for  $ 700+  overpayment. I received a credit alert th at Harvard Collection ag ency was reporting this debt as collection item in  XXXX .  XXXX  has con tinue to accept payments under the agreement we had. I do n't have a debt with Harvard Collection and they have caused my credit to suffer significantly by reporting this derogatory account.
Product: Vehicle loan or lease

Hello, I purchased a car in Alaska from XXXX ( which was the worst thing I could ever do ) and I was a first time car buyer at the time. The car that I purchased was a reasonable price and the monthly payments ( {$310.00} ) was also reasonable. What I was unaware of was the interest fees. I am in a simple interest loan with Chrysler Capital who is funded through Santander Consumer USA and was unaware that my interest rate was 29 %. Not only do I think that is unconstitutional but I am pretty sure the bank was aware that my credit score was not best. This bank ( Santander ) charges me XXXX dollars a day ( even though I making payments ) in INTEREST. I purchased the car on XXXX XXXX ( A month before the pandemic hit ) and had to stop working in XXXX due to feeling ill and being a XXXX XXXX XXXX XXXX. I was not comfortable with putting my clients at risk due to me not feeling well. I signed a contract with XXXX to give me an extension due to the executive order that was put in place. I was unaware that they would charge me {$8.00} a day for 5 month of me not being able to make my payments. Once they packed on all of these interest fees and I started working again, I had to pay off interest before those payments can start going towards my principle ( mind you I am still being charged {$8.00} a day ). This loan option shouldnt be acceptable and shouldnt even be practiced. My car payments will never decrease as long as I am being charged XXXX  a day. After calculating my interest, Only {$73.00} is going towards my car while the majority of the money is going towards the interest. People buy cars to pay it off and not to be stuck paying more than what the car is worth. I could understand if they are charging me interest for every time I am late on a payment but to be charging me money everyday of interest for no reason other then to make money especially during a pandemic is unacceptable, especially a rate of 29 %. I truly believe there is some XXXX discrimination going on with this bank. They look for low credit, small income people like myself ( mostly minorities ) who need a vehicle to work and get us stuck into these horrible contracts without our knowledge. Everything is explained at the dealership, I read the documents but the way the salesman make it seem is NOTHING like how it is once you sign those contracts. There has to be a law where these big corporate businesses are not able to take advantage of consumers like myself. The interest fee alone is ridiculous and shouldnt be practiced. I am all caught up with my payments and interest but as everyday goes by the interest builds back up again. Majority of the money from my payments are going towards interest. Please help!
Product: Credit reporting or other personal consumer reports

I received an alert from XXXX XXXX that my TransUnion credit report received a hard inquiry from XXXX XXXX, XXXX XXXX. I did not apply for a credit card, and this inquiry was initiated fraudulently. The hard inquiry was blocked because my credit is frozen, but I wanted to report nonetheless. Moreover, I received an email from XXXX XXXX, a company I have never done business with, to continue with an application for lease-to-own. This, again, was done fraudulently, because I never applied for such service.
Product: Money transfer, virtual currency, or money service

send a zelle payment and by eror got sent to a wrong person and never got a refund back
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION TO TRANSUNION, XXXX, XXXX I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with the companies reporting inquiries to mu file. I recently discovered through my monitoring service these account being reported I made efforts to remove these accounts from my file as I have submitted to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire these inquiries. I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter. 

Inquires reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to address a critical matter concerning XXXX XXXX 's inaccurate reporting on my consumer report, disseminated by Experian, XXXX, and XXXX, which I believe constitutes violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2.

The FCRA clearly states in 15 U.S. Code 1681s2 ( a ) that furnishers of information to consumer reporting agencies have a " duty to provide accurate information. '' The law prohibits the furnishing of any information " if the person knows or has reasonable cause to believe that the information is inaccurate. '' Moreover, the Internal Revenue Service ( IRS ) regulation is explicit, stating, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. '' It is crucial to note that the IRS defines a charge-off as gross or ordinary income, emphasizing that " income does not get reported on the consumer report. '' Thus, any reporting of this account as a debt is inaccurate and in violation of IRS regulations. 

On XX/XX/2023, I sent a letter to XXXX XXXX ( XXXX Mail # XXXX ), seeking resolution and clarification. Unfortunately, there has been no change in the account status, which is particularly troubling. As per 15 U.S. Code 1681, transactions history by the consumer should not be reported, and I urge the immediate correction of the account status to reflect " closed and paid as agreed. '' Additionally, the reporting of late payments across all three credit reporting agencies by XXXX XXXX is inconsistent with 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), which prohibits the furnishing of inaccurate information. The law specifically states, " 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. '' In light of the above, I formally request a method and mode of verification for each credit reporting agency to rectify these inaccuracies promptly. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to ensure compliance with consumer protection laws. 

Thank you for your time and consideration.
Product: Vehicle loan or lease

I have been a customer of Exeter Finance since XX/XX/XXXX. I have never missed a payment and all my payments have been on time. XX/XX/XXXX I total loss my car. Every since then Exeter has been a nightmare. I had full coverage along with GAP coverage on my vehicle. The Insurance company and GAP completed everything that was needed on their end by the end of XXXX. Exeter received a payoff from XXXX XXXX, a payment from me ( because they said if I did n't make my XX/XX/XXXXpayment it would get reported to my credit as 30 days late, even after they received the check from XXXX XXXX ). They received a payment for GAP for the remaining amount on my loan as well as another check for {$690.00} from XXXX XXXX. It took Exeter 3 weeks to process those checks. I could not get approved for another car loan until it showed my acct had been paid in full. I had been without a car since XX/XX/XXXX. I just got another car on XX/XX/XXXX. Everytime I called Exeter I spoke with a different person and was told so many different stories. Even the company I purchased my car from got frustrated and upset with Exeter and called their practices unethical. I have an over payment of {$1100.00} that was supposed to get sent to me the beginning of XXXX and as of today they have still not processed my overage payment. Each time I called in for an update, someone ( including management ) told me a different story. I called the office of the president and spoke with someone about my account and they all act like they do not care. They are the WORSE FINANCE company ever and I am looking to file a suit against them for their unethical practices. they way that they treat their GOOD customers are a disgrace and they need to be held accountable. I have experience so much stress in dealing with them these past 3 months and I still have not received by refund check. <P/>
STAY AWAY FROM EXETER FINANCE if you can ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a bankruptcy on my credit report. I sent them a letter around XX/XX/XXXX disputing this matter. I sent a copy of a letter I received from bankruptcy court stating they do not report to credit reporting agencies. Experian sent me a copy of an updated credit report on XX/XX/XXXX stating that the information was accurate from a third party vendor XXXX XXXX. I have a " security freeze '' on my file. I sent a letter to XXXX XXXX around XX/XX/XXXX asking them to verify the accuracy of the bankruptcy and they were unable to verify the accuracy of the bankruptcy. XXXX XXXX responded XX/XX/XXXX they had to delete the bankruptcy according to the FCRA. I tried getting this bankruptcy removed back in XX/XX/XXXX and refused to remove it back then. I want this removed from my credit report.
Product: Money transfer, virtual currency, or money service

on or around XX/XX/XXXX, I tried to withdraw funds from my CashApp business account as usual. We have had this acount for over a year and have used it for funds transfers, accepting payments from business customers, and making payments. The transaction failed and it said that they noticed suspicious transaction and blocked the account. I contacted Cash App Support who asked for Drivers license, a selfie and other information. I fully complied and after 2 weeks, they still have not given me back my money. There is over {$200.00} in the account and my daughter had the same thing happen to her for over {$700.00} and she has yet to receive her money 2 years later. Cash App seems to be scamming business customers because I am hearing this a lot from other businesses.
Product: Credit reporting or other personal consumer reports

Hello, I opened a credit builder account with Moneylion back in XX/XX/year>. I realized that the account was not helping my credit in the way in which I thought it would so I closed the account via the online app on XX/XX/XXXX. On XX/XX/year>, I received alerts that Moneylion reported a 30 day late payment status to my credit bureaus, dropping my score over XXXX points. Money lion is a scam. I attempted to rectify the incorrect credit reporting by calling and it is impossible to speak with a live person. When i went back into the app to verify the account was closed, I was prompted to pay over {$900.00} to the Credit Builder account, although money lion did not loan me money through their Credit Builder product
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.