23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Sent letter to transunion asking them to remove certain personal information off my credit report such as incorrect addresses and any accounts associated with them as they are fraudulent. I got my response back on   XXXX   from transunion showing that none of the personal addresses and accounts were removed and the information i requested they investigate was not done at all. instead their response was dispute information updated or verified as accurate yet i asked them for their method of verification and what was updated and verified. I do n't believe anyone or at least a human person even looked at my letter because i do n't know what was updated or verified as none of this is clear and simple to understand. looking over my report its obvious there are things that are clearly incorrect and not accurate. I would  hope  that the CFPB can knock down the doors at transunion and ask them to do their jobs and truly clean up the errors on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ran a hard credit report without my consent. I did not request any credit or loan from them. I went to open a momeymarket account for savings only and did not want any other products. I was not told that they would do this. I called them but have not gotten a explanation. I want them to immediately correct this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection agency is reporting to all three bureaus ( XXXX XXXX and XXXX  ) on my consumer credit report that a debt is owed to them. The debt is entirely inaccurate and incomplete and as such, represents a very serious error. I have not received any communications regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation of the Fair Debt Collection Practices Act section 809. Their negligence has caused me distress and is hampering my ability to obtain credit and housing.
Product: Credit card or prepaid card

American Express American Express Assurance Company I purchased a product from Amex on XX/XX/23 for {$350.00} and did not receive the product. I have contacted them six times on XX/XX/23 and spoke to at least eight people ( representatives ) and they can not and will not help me. I contacted them via phone and the " chat '' feature online when logged into one of my accounts. I believe there is Fraudulent Advertising in their products/services which should be investigated. Because American Express owns the subsidiary company they are closing the door on my request for either the benefit or a refund. My only recourse is to close my two accounts and cease doing business with American Express after being a cardholder for over 20 years. I do not have words to describe my disappointment and frustration with American Express. I would appreciate any assistance your organization can provide. Thank you.
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 4 business days after the date of receipt. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This will be the 4th complaint i want to CFPB to take action i have a police report as the past 3 reports i have submited i have a police report actually i have 3 of them Ideal collections wants a fraud affidavid form as the police stated this form does not exist they keep asking for my ID this means whoever used my identity in fraud did not have it or pic is not me, they state signature is mine i state it is not as someone as well in 2012 also files a false tax return in my name using this addy same place they say i owe the debit, this will be the final chance to delete this as they again are asking for things that do not exist there is no fraud affidaivd per the police and their report i have IRS notice of identy theft if they fail to delete this from my report i will take legal action as Ideal damaged my credit and yes this is extorition as once again police report attached if they feel this reort is fake please contact XXXX PD as i am a well know public figure and prove residance in same place past 19 years
Product: Debt collection

This company is violating my rights by using stalling attempts by refusing to accept my request to demand validation of the debt. This collection was disputed with credit bureau several times  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and each time Amerifinancial verified it. However, when I requested validation directly from Amerfinancial (  XXXX  ) they refused to respond but continue to attempt to collect debt and report debt monthly on my credit report. I sent request to address listed on credit report the first attempt the company accepted it  XXXX  verification attached ). After I noticed they failed to respond within  XXXX  days I sent another request (  XXXX  ) this time they failed to pick up the letter resulting in it being sent back to my address. Despite this company refusing to speak to me, validate the debt belongs to me and they legally have ownership of the debt they are not only attempting to collecting on a debt I have no knowledge of but are also failing to respond, sending back request although I know the address is valid because they accepted it before.
Product: Credit reporting or other personal consumer reports

My account with the XXXX XXXX  and i was never late! I have had exceptional payment history witH XXXX XXXX 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. XXXX 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.

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 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: Vehicle loan or lease

I purchased a car via Exeter Finance in XX/XX/XXXX. The vehicle was purchased for around {$18000.00}. My payments were {$490.00} monthly. I discovered that Exeter was for many months was charging me {$490.00} in interest monthly. So after nearly two years of payments, I still owed almost {$17000.00}! The vehicle was totaled in XX/XX/XXXX. The insurance company paid off a little over {$14000.00} leaving a balance a little over {$2800.00}. I had purchased an extended warranty for the vehicle for {$3000.00} from which I expected a refund. I continued to make payments while waiting for the refund and Exeter was still charging me {$490.00}. 
XXXX in interest. By the time vehicle was completely paid for, Exeter had charged me almost {$1000.00} in interest on a {$2800.00} balance.
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 ). Furthermore, Cashapp failed to take timely and effective to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Cashapp was and still is 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 cause significant inconvenience and financial loss and I seek appropriate action to be taken and refund to me
Product: Bank account or service

Wells Fargo is refusing to honor its recent agreement with the CFPB. I submitted a claim to Wells Fargo on XX/XX/XXXX for {$24.00} in fraudulent service fees ( letter attached ). Wells Fargo refused to refund the service fees ( XX/XX/XXXX attached ). Their reason was they were not notified within 30 days. I had sent them written PROOF with my XX/XX/XXXX letter that I notified them within 30 days. They just ignored it. The PROOF is attached. Service fee XX/XX/XXXX. My WRITTEN complaint attached is XX/XX/XXXX THIS IS WITHIN 30 DAYS!!! Please get Wells Fargo to stop ignoring written proof that they were notified within 30 days. They are a corrupt bank and will make up any lie to avoid paying back the customers. In my opinion, the Wells Fargo employee should named XXXX should be investigated by the Department of Justice and sent to JAIL ( along with ex President of Wells Fargo XXXX ) for being a part of this SCAM!!! Wells Fargo opened a type of account I did not want. I was told no service fees. Here is their SCAM : since I did not use my debit card for 6 months they cancelled it and started charging service fees because I then did not have 3 linked accounts. Then they refused to refund the fees even though they were notified IN WRITING WITHIN 30 days. This is a deceptive business practice and a complete SCAM designed for Wells Fargo to make money off customers collecting service fees that they caused to occur. When I opened this account, this trick of Wells Fargo being able to cancel a card and then my owing service fees was never disclosed. According to what I read about the CFPB fine for Wells Fargo, customers who received types of accounts they did not want are entitled to a refund of the service fees. Wells Fargo is still refusing to refund the service fees and ignoring its agreement with the CPPB. They owe me {$24.00}.
Product: Debt collection

A collection account from the Fresno Credit Bureau appeared on my credit report for the first time in the summer of XXXX. The balance was {$250.00} and the original creditor was XXXX XXXX XXXX opened on XXXX XXXX, XXXX. I was fully covered by student insurance at the time. I never received the bill from either parties nor was I ever notified of this bill 's existence or when it went into collections. After speaking to XXXX XXXX XXXX directly, they confirmed that they had attempted to contact me at the incorrect address and phone number. After confirming that they also failed to bill my insurance, XXXX XXXX XXXX verified that all outstanding balances shall be written off and removed from my credit report. A couple weeks later, I received a letter from the Fresno Credit Bureau, stating that my collection account has been cancelled and requested for my account to be deleted from consumer reporting agencies. After noticing that the collection account is still appearing on my credit report, I reached out to the Fresno Credit Bureau in XXXX XXXX by phone and they claimed that the paperwork has been filed and my account should be taken off within 30 days. It has been 8 months and the collection account is still on my credit report.
Product: Debt collection

checked my credit reports and found a few Derogatory marks in the beginning of the month that I do not recognize XXXX XXXX. When I called they could not verify my information and/or provide information about the debt claimed that I owe. I have never received any notices in the mail either. On my credit reports it shows that I owe them {$880.00}
Product: Student loan

Mohela contacted me XX/XX/XXXX informing me they are now servicing my student loan. I paid in full to XXXX XXXX on this loan already with paid in full notification XX/XX/XXXX. I called mohela and XXXX a phone supervisor said fedloan made mistakes and i emailed my proof of payment to him.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not reporting the date the account became delinquent and after which it was never brought current. XX/XX/XXXX, I made my last payment to XXXX. That payment was for XX/XX/XXXX. I paid XXXX over {$11000.00} dollars and all I was paying was interest. 
XX/XX/XXXX, the account became delinquent and never became current. XXXX is reporting XX/XX/XXXX, as the date became delinquent and never became current.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I filled multiple disputes ( I havd attached documents to prove the multiple disputes I have filled ) about the following information that appears on my Equifax report, XXXX and XXXX. 
The following inquiries are not accurate. XXXX XXXX, they reported the charge off on XX/XX/2023 but I already paid and verified the payment via XXXX XXXX XXXX XXXX  on XX/XX/2023. 
Please see attached and receipt for verification. 
According to the Fair Credit Reporting Act, I demand that these item be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you, XXXX XXXX XXXX
Product: Credit card

I made a purchase for glasses via the cash app in app offer for 10 % Cash app charged my card visibly seen of XXXX. I have asked for a manager, cash app has poor customer service. They updated my transaction to XXXX which I was not charged at XXXX XXXX XXXX. I was told that this ill take 10 business days. I am XXXX and had to pay for XXXX. Cash app is dangerous and business practices should be investigated.
Product: Credit reporting or other personal consumer reports

I am filing this formal dispute with the Consumer Financial Protection Bureau ( CFPB ) to address serious inaccuracies within my TransUnion credit report. The primary concern centers on an auto loan erroneously labeled as not paid in full, despite being satisfied for over 60 days. These inaccuracies have had a substantial impact on my financial standing, requiring a comprehensive resolution in compliance with the Fair Credit Reporting Act ( FCRA ). 

Issue at Hand : The core problem involves the misrepresentation of my auto loan payment history. While I consistently made timely payments in XXXX, XXXX, and XXXX, a pivotal discrepancy arose in XXXX, inaccurately marked as 30 days late. This directly contravenes several FCRA sections, including Section 1681e, 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681s-2, 15 U.S.C. 1681c, and 15 U.S.C. 1681o. 

I have presented compelling evidence confirming the auto loans satisfaction. This evidence includes a lien release statement from the lender, an explicit statement from the lender confirming the loans fulfillment, and the issuance of the vehicle title with the removal of the lien holders name.
Product: Consumer Loan

I dealt with the general manager regarding a loan of {$800.00} and my car as collateral. My account was past due and I had been unable to make payments. He gave me to choices to resolve the issue : either pay payments on the debt or let them pick up the car. I was only going to let them take the car if it fulfilled my debt obligation to them and the account was closed. XXXX XXXX assured me that was going to happen. What he did not tell me, was that the account had already been charged off and there was no collection agency ... the account was already closed. He deceived me into giving up the car instead of making payments. After all, how could he accept payments on a closed. 2 months ago a girl called me from Instaloans informing me they sold the car and I still had a balance. I said that was impossible due to the multiple conversations that I had with XXXX XXXX. After reviewing the notes on my account, she said " No, you are right, there is no balance and the account is closed. After reviewing my credit report, I found that it is posted as a charge off. I wanted to make payments if the debt was not settled correctly. I did not want any negative marks on my credit. This was a complete deception from this company, who says they are their own collection agency. XXXX XXXX as of today XXXX/XXXX/16 says that he ca n't help me. He said the car was sold for {$170.00}! The car was in the same condition it was in when I got the loan!! How can this happen??? XXXX XXXX 's boss XXXX XXXX seems to think this was fair business practice. I have no doubt they are having other issues within this company. I wanted to pay my debt, not be taken advantage of. Any help in dealing with this company is appreciated before they are able to take advantage of others.
Product: Credit reporting, credit repair services, or other personal consumer reports

Effective XX/XX/2022 my XXXX personal loan was transferred to XXXX XXXX ACCOUNT # : XXXX. 
As of XX/XX/2022. I closed my load by paying the balance due and received a paid in full letter from XXXX XXXX. 

The account is not clearing off my experian credit report. I tried calling both XXXX and XXXX XXXX and did not help. 
I raised 3 disputes from experian and the account information did not get updated.
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. 

DATE XXXX XXXX XXXX  AMOUNT {$500.00}
Product: Credit card or prepaid card

I opened an Indigo credit card from a XXXX XXXX suggestion back in early XXXX, I believe XX/XX/XXXX. They shipped my card and I received it around the XXXX of XXXX of XXXX. 

I read the terms in the envelope and there is a provision stating that I can pay off the balance after using the card and cancel it prior to my first statement closing and avoid the annual fee of {$75.00} on a card with a {$300.00} limit. Understanding that I activated the card around XX/XX/XXXX so it would be reasonable for the first statement to cycle on or around XX/XX/XXXX right? ... Nope. The closed my first statement within FOUR days of activating the account/opening the card. 

So as of XX/XX/XXXX my " first statement was issued '' circumventing the terms we agreed to and nullifying that provision locking me into being responsible for the {$75.00} annual fee. I didn't want the card and was planning to pay it off and cancel it prior to being opened for 30 days, but of course these subprime credit cards that should be illegal have figured out back-doors to the law and started with this type of unfair and potentially fraudulent behavior. These actions for them to do this is exactly why the Dodd-Frank Act was passed. 

I wish for Indigo to close my account, refund the {$75.00} annual fee along with any other fees or interest charged and of course delete the record from all bureaus. They are intentionally closing statements as soon as the card is activated to avoid consumers exercising their rights. 

PLEASE CFPB see what they are doing and hold them accountable. This is no different than many bank behaviors that led to XXXX.
Product: Credit reporting or other personal consumer reports

XXXX block the account so l couldn't be able to give accurate information Always have to wait 30 days which it does sho late on the account and then my credit scores decrease. And when l requested credit it shows late payments which not true
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

I filed a dispute over credit card charges made by XXXX XXXX XXXX XXXX XXXX  in XXXX, Wisconsin, and Elan Financial Services was supposed to conduct an investigation and return the report to me to turn over to police in XXXX XXXX for a criminal complaint. 

When they dragged their feet, I filed a complaint with CFPB. CFPB then forced them to respond, in which they claim to still be investigating. That same day, I received a XXXX XXXX drop in my credit score despite not missing any payments or ever being late, from XXXX via email, and when I called them, they were unable to determine the origin. 

Today, I received a form letter detailing how Elan is legally entitled to share my credit information to other credit cards. This clearly indicates that Elan acted in a retaliatory manner and were the source of my XXXX XXXX drop in credit rating/XXXX XXXX. I will now be preparing a subpoena and suing them in federal court for retaliation. A company being investigated by CFPB for a legitimate complaint that turns around and attempts to inflict financial hardship by reporting to a credit card what the credit company already knows in an attempt to lower the XXXX XXXX  is ILLEGAL, and is XXXX XXXX evidence of retaliation. 

This is blatant misfeasance and an attempt to use otherwise legal reporting in a retaliatory manner in retaliation for me filing the initial complaint to CFPB.