23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I filed a case with Federal Student Aid, Feedback Case # XXXX, on XX/XX/XXXX. I received an email stating : Dear XXXX XXXX, Thank you for contacting the U.S. Department of Education 's office of Federal Student Aid. This email is in reference to your request regarding your feedback case. Your case number is XXXX. Please retain this number for reference. 

This is an interim response to notify you that we are continuing researching your concerns. We will follow up with more information within the next 15 calendar days. We appreciate your patience as we work to resolve your case. If you require further assistance or wish to provide additional documentation during the research process, reply to this email or contact us. 

Sincerely, Federal Student Aid I have not heard ANYTHING and I've called FSA and Aidvantage, my loan servicer, multiple times and no one has any information. I have also uploaded and emailed 31 bank statements showing the payments made that I'd requested a refund for in the amount referenced below - copy from my complaint case to FSA. 

I was refunded the amount of money I'd paid towards my student loans after the IDR adjustment date ( XX/XX/XXXX ). 

However, prior to this reimbursement, I tried calling my servicer 10-20 times starting XX/XX/XXXX asking what I need to do to get refunded for payments made during the Covid payment pause, etc. and/or what amount I'd be refunded. I NEVER rec 'd any answers, no one was EVER able to help me nor tell me the refund amount. I have phone records of all calls to the servicer. I was not refunded {$7500.00} for the payments I made between XX/XX/XXXX ( after the covid pause started ) and XX/XX/XXXX via XXXX payments - the majority of the {$59.00} weekly. I do have all receipts if you need proof. Please research, thank you - really appreciate it - and call me at XXXX. 

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

I asked for legitimate documents to prove the appearance of these items in the credit report. 

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

XX/XX/year> Dear CFPB, Subject : Request for Correction of Inaccurate Late Payment Reporting on Account I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account # XXXX with XXXX XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), no adjustments have been made to reflect the accurate status of my account, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. This inaccurate reporting of late payments has caused undue harm to my creditworthiness, negatively impacting my financial standing. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements to consumers, ensuring they are not penalized unfairly for issues such as delayed statements or erroneous reporting.

Summary of Errors on Account 30-Day Late Payment : Incorrectly reported as 30 days late in XXXX, despite my consistent on-time payment history. 
Account Status and Remarks : The account status is incorrectly listed as Closed, with remarks indicating the account was late, which inaccurately reflects my payment history and account standing. 
Dispute Status : Incorrectly listed as " Account not disputed, '' despite my previous attempts to rectify this issue through disputes on XX/XX/year> and XX/XX/year>. 
Requested Resolution : I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately, as it does not reflect my true payment history. Additionally, I request that TransUnion provide written confirmation of this correction within 30 days of receiving this letter. Should this issue remain unresolved, I am prepared to escalate the complaint, including potential legal action and further complaints with relevant agencies. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I awoke on XX/XX/2022 to find my checking account that I use to auto pay Freedom mortgage payment was overdrawn by over {$2700.00} dollars. I called Freedom immediately to request that they replace money withdrawn as this was double my normal payment. The agent on the call told me that they would need to verify with XXXX that payment was made. The agent called XXXX with myself on the phone 3 way call. The agent stated that the transfer was made from XXXX to Freedom mortgage in the amount of {$5.00} dollars. On or around XX/XX/XXXX I got a knock at my door from someone delivering certified mail. This certified mail was notice of foreclosure proceedings. Turns out that XXXX had not made the payment to XXXX given the vast overdraw. Freedom then reversed ( unknown to me at the time ) my on-time XXXX, XXXX, XXXX payments and effectively marked my account in a 90 day default in XXXX despite these payments being made the XXXX of the month every month in 2022. All funds were paid on XX/XX/XXXX including the payments reversed as well as the shortage amount that Freedom had misappropriated. In a letter to my attorney in response to first NOE that was sent they acknowledge sending {$11000.00} from previous mortgage company elsewhere other than my account. They also state that payments were received on time and that the default was a result of the reversal that happened in XXXX. Again, all fund were then paid in XXXX, if anything I would have been 18 days late not 90 days in default. My attorney has sent 2 NOE, I have sent correspondence to Freedom as well as called them several times. Even though all payments were made on time they are refusing to correct credit report. This has been detrimental to my credit as well as my ability to feed my children. I have been 100 % on time payments across all accounts until this error by Freedom.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late the entirety of the Freedom Mortgage loan. I've attached a copy of my report to this complaint on the following date XXXX XXXX. I am now requesting you to investigate and provide variable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated and paid on time immediately. Thank you for understanding and prompt action.
Product: Vehicle loan or lease

I turned in early a leased BMW vehicle. The BMW Lessor was BMW financial services NA , LLC. I turned in the vehicle 67 days before lease maturity. 
BMW Financial services are denying me due process per California Vehicle Leasing Act. They are billing me for the remaining balance right away and they collected {$2500.00} from me.

According to California Vehicle Leasing Act Civil Code ( & & 2985.7 - 2993 ), the California Supplement to the Federal Consumer Leasing Act ( 15 U.S.C & & 1667-1667t ) BMW Financial services should have allowed the following before starting to collect debt from me : The due process allows waiving of the remaining lease payments and any fees if the vehicle appraised value or in case of no appraisal, the wholesale value of it exceeded the Gross Early Termination Allowed. 

Instead BMW Financial services refused to allow for appraisal of the vehicle and they replied to me that selling the vehicle is their business and they will not disclose any sale price. 

This is a violation of California vehicle leasing act which is a supplement to the federal leasing act.
Product: Credit reporting or other personal consumer reports

was a victim of ID Theft. There are accounts on my Experian Credit Report that are fraudulent and do not belong to me. I have already filed a FTC Report. The accounts are as follows : XXXX XXXX - XX/XX/XXXXXXXX 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

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my 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
Product: Debt collection

Company violated over 33 of my consumer rights and caused extreme hardship for my person and consumer character in which infringed upon many rights and privileges and resulted in depreciation of livelihood. Included in the upload will have all documentation necessary. Please review.
Product: Credit card

I setup a new exxon mobil smart card credit card account in late XXXX. 

The objective was to enjoy virtual payments through my cell phone at gas stations. I setup reoccurring payments upon receipt of the new exxon credit card. Since I used the card only for gas, I never really thought about the account, it was a small balance credit card. 

Turns out, I had been setup to only pay the minimum payment amount on a re-occuring basis, something I never do when I setup automatic payments. As a result, I was charged interest every month for XXXX months in XXXX and all of XXXX the entire duration I had the card. I am certain that I setup the correct option, last statement balance. 

When I realized the credit card was near {$800.00} through XXXX in XX/XX/XXXX, I realized that I had not bought {$800.00} of gas that month and signed in. Turns out, exxon mobil had charged me interest every month since account inception. 

I complained, they ( exxon mobil credit/citi ) were rude, I paid off the balance, they waived last XXXX months of interest. Still waiting for those XXXX months to hit my account. I closed the account thereafter.
Product: Payday loan, title loan, personal loan, or advance loan

Last month I financed a two-week Air XXXX rental with Klarna IncXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, klarna.com. I ended up cancelling the reservation and was credited for a refund of my cleaning deposit only. My problem is that I do not have a copy of my original loan documents, so I dont know what my legal rights and obligations are under the loan agreement, and I want to know. I texted Klarna and received an automated response that Klarna does not provide loan verifications or any form of such documentation. Eventually, the system handed me over to customer service representative XXXX, who told me Klarna had e-mailed me, on XX/XX/year>, XXXX XXXX XXXX with the legal information regarding your loan with us and XXXX, which is our associated bank. I do not have such an e-mail in my records. XXXX said he was not allowed to re-send the document. Eventually XXXX told me to e-mail XXXX to request the loan documents. I asked if they would be provided to me and he said they would. On XX/XX/XXXX, XXXX in business operations e-mailed me what he described as a copy of your loan agreement for order no. XXXX attached, but the attachment is a blank page. I notified him and have heard nothing since. I believe I should be entitled to a copy of the original loan agreement and Klarna has not offered me any reason for withholding it. I do not want to breach my obligations to Klarna, but in order to do it, I have to know what my obligations are. Please help. Thank you.
Product: Debt collection

After verbal requests were ignored, I sent written requests XX/XX/XXXX, attached. 

Shellpoint bought SLS XX/XX/XXXX and my request were sent to them also. I have received 6 boiler plate " acknowledgement '' letters and 12 email acknowledgements, since XX/XX/XXXX. 

XX/XX/XXXX I phoned, XXXX XXXX said escrow would be removed in 5-7 business days. Nothing happened. 

The phone service is useless, it generally ends with a disconnect after long waits. 
I paid both prop tax payments XX/XX/XXXX for XXXX and notified them but they paid a 3rd payment and continue to require that I make escrow payments. 

Records of all the above are available upon your request. 

Please help, this company is dangerously out of compliance
Product: Credit card

I am certain I pay on time, so the late payments reported dont make sense. USC 1666b requires correcting such errors to reflect " paid as agreed. ''
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974.
Product: Credit card or prepaid card

Hello, This is XXXX XXXX XXXX. I have applied for XXXX XXXX credit card ( CitiBank ) on XX/XX/2021. I got the letter that says I need to submit the following documents in order them to complete the processing of my application : US passport, US voter registration card or US permanent resident alien card. 
I dont have any of those documents yet, I am an international student ( XXXX visa ) who has XXXX and I legally work on campus. Also I am in green card process, but still dont have any card that prove my permanent residency here. 
When I applied for the credit card, I clearly checked the terms and I did NOT find anything regarding that non US citizens or permanent residents cant apply for any Citibank credit card. I got hard inquiry for the thing that Citibank didnt mention in the application, and I need to pay the price of this lack of information of Citibank on its applications. 
I have been had all kinds of credit cards without any issues with my residency and status.Citibank is the lender and its their choice BUT when they dont give any hint and information regarding that non US citizens or permanent aliens cant apply for this card but after applying they tell to the customers, then this is not my problem. 

Thanks.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported by XXXX on my credit report. The inaccuracies in question are reflected in the following account ( XXXX ) on the respective date ( XXXX ) : INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is my understanding that consumer reporting agencies are required to conduct a reasonable investigation of disputed information. The inaccurate information reported by XXXX adversely impacts my creditworthiness, and I believe this is a violation of the aforementioned statute. 
Furthermore, I request that XXXX  provide documentation that demonstrates the accuracy of the information reported on my credit file. This should include any supporting evidence or statements that verify the validity of the information in question, as mandated by 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 
Under the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide the requested documentation. If you are unable to verify the accuracy of the information within this timeframe, I request that these inaccuracies be removed from my credit report and that my file be updated accordingly with all relevant consumer reporting agencies, including but not limited to Equifax, XXXX, and XXXX. 
Please ensure that any corrections or updates made to my credit file are communicated to me at the address listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my credit standing. 
Thank you for your time and consideration. I look forward to a positive resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Credit Collection Services is still reporting a collections account that has been paid off with a {$0.00} balance, with credit remarks including that the balance was legally paid off, however, is still reporting it as a collections account despite payment and agreement to remove this account in return for the debt being paid. This account has been on my credit report since XX/XX/2018. They are still reporting on behalf of XXXX XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018. I opened XXXX XXXX credit card. I lost my card after sometime and didnt setup the online account and couldnt do the payment on time. They closed my account and put in collection when I called. I paid the money right away and they said account will be removed but it shows as charge off/collection and negatively effecting my credit. My request is to remove this account from report.
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. 

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  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/23 a XXXX XXXX XXXX credit card managed by FNBO was opened in my name. Around that same time my email was being used to sign up for multiple newsletters. I reached out to FNBO on XX/XX/23 and they helped me to close the account. FNBO was unable to verify if any charges occurred on the account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX  which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has negligently handled my credit report information. As such they have left me and millions of others vulnerable to exploitation. I have never agreed to let equifax have my data.
Product: Credit card or prepaid card

Applied for secrure credit card month ago put  XXXX  dollars down on it for a security deposit have n't heard from them it 's called first progress master card need tknow if I am going to get it if not want my money b ack one month i s long enough
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. Inquiries : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXXXXXX, XXXX. XXXX.