23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

- 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX 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 paid of my car loan in mid XX/XX/2021. Did not receive lien release then. 

I have now moved to Texas and can not get my car registered. It is 4 months late without tile. I have been after the company for 2.5 months and made multiple requests for title but have not received it. 

The company is Westlake Financial out of Texas. My license number is XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$970.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX Spoke to Rushmore Rep in their Pay Off Dept. ; ( Refi Officer asked that I contact them for a corrected Payoff Statement ), was told take I missed a Mort. payment, although she could not tell me when ; prior to calling, uploaded Banks Stat from XX/XX/XXXX thru XX/XX/XXXX showing payments made to Rushmore in their online portal. Tried to get her to verify receipt, she would not. I'm trying to Refi ASAP ; Rushmore countinues to submit Pay Off Statement showing I missed " XXXX XXXX '' pymt ; I did not ; When I messaged Rushmore on their portal, they thank me for that pymt, and that they now would be apply to " XXXX 's '' missed pymt ; I did not.

Rushmore has reported to XXXX that I missed XXXX XXXX mortgage, I did not. The proof is attached and was also given to Rushmore on XX/XX/XXXX.
Product: Credit card or prepaid card

In XX/XX/2018 while attempting to pay for my plane tickets at XXXX, I was presented with a pop-up to apply for the XXXX XXXX. The offer at that time is the same offer as of XX/XX/2018, if approved I would receive XXXX miles, after XXXX in spend within the first 90 days. The rules stated that miles may take up to 8 weeks to post to your XXXX XXXX account. I've been checking my XXXX app and the miles never appeared, so I decided to call Chase Bank on XX/XX/2018, to see when they'd post? XXXX from the Chase Ohio office gave me her scripted response, that there are many offers out there at the same time, and that I received a different offer of a XXXX statement credit and XXXX K miles. 
I explained that the offer that I was presented with on the screen was the XXXX offer, that is why I applied. I wouldn't have taken a hit on my FICO score for only XXXX of miles! 

My wife, XXXX ' about 1 month later, also applied for the card and was presented with the same offer and the same thing also happened to her. The internet is full of people complaining about the same thing happening to them. 

I work for XXXX XXXX, and if a mistake is made like this it is fixed immediately. This is totally, " Bait & Switch ''!! I opened these credit cards in good faith, based on the offer that was presented to me while trying to pay for my airline tickets. 

I know for a fact that Chase can go back into the system and see which booking path was presented to me via XXXX software or something similar. 

XXXX & XXXX both from the Ohio office told me, that had I called back right away someone could've switched my marketing offer. I explained to both of them, why would I think to call back and try to change my offer, when I assumed that I was getting the offer that I was presented with? 

I didn't started wondering where my miles were at, until after the 90 days, plus 8 weeks had come & gone. 

This is very disheartening that XXXX XXXX & Chase Bank would cause detriment to their mutual customers in this way ; they deceived both me and my wife! 

I want Chase Bank to make it right and deposit the XXXX miles into both my account and my wife 's account. 

Sincerely, XXXX XXXX XXXX ' XXXX XXXX XXXX XXXX XXXX XXXX, Maine XXXX XXXX XXXX cell
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 13. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I had IdentityTheft/Fraud on XX/XX/XXXX. We contacted Experian on XX/XX/XXXX after we took care of changing our personal information, report to police and Social Security Office. We received a Pin #, was advised if we ever wanted to lift it we had to provide the Pin #. Well on XX/XX/XXXX we contacted Experian, was on a Sat, said they'd charge us money to lift it and if not call back on Monday XX/XX/XXXX. We did and whoever XXXX was removed the freeze permanetly. I assumed it was removed but as of XX/XX/XXXX it apparently is still frozen. We are trying to buy a home and the Broker said to contact Experian. What a joke! We got an authomated system, no one picks up the phone, after I entered the correct infromation it said it didn't recognize my information to put it in writing. I tried online with ALL PERTINENT INFORMATION and said it didn't recognize my Pin #. We both need it removed in order for the XXXX XXXX to run our Credit Report. XXXX did there job, XXXX did there job but Experian didn't go there job! Very stressful for us and others who may be having this experience. On XX/XX/XXXX Experian gave me a Pin # XXXX.
Product: Credit card

Dear Consumer Financial Protection Bureau, My name is XXXX XXXX and I would like to file an Official Complaint against OneMain Financial, for not allowing me to close an OneMain Brightway+ Credit Card Account which is open under my Name. 

As of XXXX XXXX I logged into my XXXX Account in order to view my Credit Score and be up to date with my Current Accounts. 

I noticed a OneMain Brightway+ Card which was open under " Active Accounts '', with my name that I am not aware of ever having opened. 

I believe this Card was opened without my consent/knowledge because I never applied for an OneMain Financial Brightway+ Credit Card, so it is indeed fraudulent/unacceptable they would do this. 

I called their Customer Service Line 2x, and got connected to a Representative and explained the whole situation, requesting them to close my account after verifying all of my Personal details they were asking me for. 

Upon verifying my information, they stated they can only " temporarily close my account '' but not permanently, plus said they would send me an E-mail for Further Instructions on what to do next but I've never received an E-mail from them. 

I followed up with them once more, to see why they simply can't close this Credit Card Account when I verified all of my Personal Information, but they wouldn't give me a specific answer and said to continue waiting for an E-mail that never arrived. 

Can you please contact OneMain Financial and have them close this Brightway+ Credit Card Account for me please? 

Thank you. 

Sincerely, XXXX XXXX
Product: Student loan

I applied for Public Service Loan Forgiveness with XXXX in XX/XX/XXXX ( 14 months ago ). I am fully eligible and simply waiting for my loans to be forgiven. 

In XXXX of XXXX, I was informed by Aidvantage ( my assigned loan servicer ) that I needed to resume payments in XXXX. I checked the status of my PSLF application with XXXX online and it said it was a duplicate application and had been rejected ( erroneously, as I had never submitted anything of any nature to XXXX before XXXX of XXXX ). 

I then attempted to reach XXXX. I needed to take a full day off of work in order to successfully reach them. They told me my application was still actively pending but they could not take any action on it until Aidvantage transferred my loans to XXXX. I was told there was nothing I needed to do to facilitate this process, as this was a process between Aidvantage and XXXX, but I could contact Aidvantage to urge them to transfer my loans. I asked the XXXX representative if I could receive administrative forbearance while my PSLF application is pending, and they informed me that I would need to make that request with Aidvantage, as that is where my loans are currently managed. 

Last month, I made my first entirely unnecessary payment with Aidvantage as I had no other choice. Today, I called Aidvantage at the number provided on their website ( XXXX ). I navigated the Aidvantage automated phone menu and requested to speak with a representative after verifying my identity. I waited on hold for approximately one hour before the phone began ringing and then an automated message told me that the Aidvantage number I had called was no longer in service and that I must hang up and dial the correct number of XXXX same number I had been on hold with for the previous hour! 

Whether this is a legitimate glitch in the phone system or a deliberate act to terminate phone calls from borrowers, the outcome remains the same : it is entirely impossible to access a customer service representative to make the request that my loans be transferred so they can be forgiven as they should have been more than a year ago without any further action on my part. 

Because I have no way of speaking to anyone at Aidvantage regarding my loans, I am seeking the CFPBs assistance in doing so. I have been very patient and accommodating throughout this process, but after 14 months, it is clear that without outside intervention, my loans will not be transferred from Aidvantage to XXXX and my application for Public Service Loan Forgiveness will never be processed. I do not wish to continue indefinitely making payments on loans I no longer owe. I greatly appreciate your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00}, {$0.00}, {$5700.00}, {$0.00}, {$4100.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 


-- AUTO ACCOUNTS 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Vehicle loan or lease

I had a loan back in XXXX of XXXX with Fifth Third Bank. I traded in the vehicle in XXXX of XXXX and requested a refund on the money I had paid for an extended warranty. The amount was around {$2200.00}. The warranty company sent a check to Fifth Third Bank headquarters in XXXX Ohio on XX/XX/XXXX. As of today ( XX/XX/XXXX ) the bank has still not returned the money to me despite numerous phone calls and visits to my local branch.
Product: Payday loan, title loan, or personal loan

When I first joined the military I did a lot of pointless spending and therefore reached out to get a debt consolidated loan from prosper to put all my debts into one loan. Now Im discharging out the military and will not have steady income as of right now, so the payments of {$750.00} each month will be too much pay.
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 : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I sent letters to Experian and XXXX and asked if they could send me copies of the documents used to verify the accuracy of the accounts on XX/XX/2023 and XX/XX/XXXX. 2023. Experian and XXXX sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. Experian or XXXX doesn't have any files to verify this account, nor will they delete it. 



The accounts are XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1400.00} Account number XXXX Opened XX/XX/2023 Posted on XXXX and Experian XXXX XXXX XXXX Original creditor XXXX XXXX XXXX {$76.00} Posted on XXXX and Experian
Product: Credit reporting or other personal consumer reports

Experience has failed to fulfill its legal obligation Under the fair credit reporting act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report leaving inaccurate and unverified accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against Experian alleging, systematic inaccuracies such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates Federal law, and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Account Name : U.S Department of Education XXXX Account Name : U.S Department of Education XXXX Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. Section 605B states it is illegal to report information on my credit report without my permission. Please remove the above items from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to request that the following XXXX inquiries are removed from my credit report, as I did no authorize them, and they are harming my ability to obtain new credit. 

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

HI, ive been noticed from my bank and credit experian that some loans was made in my name i don't have any iedas about these loan from the company XXXX XXXX XXXX ) below ; 1- Loan of ( XXXX $ ) on XX/XX/2023 XXXX Loan of ( XXXX $ ) on XX/XX/2023 XXXX Loan of ( XXXX $ ) on XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX  XXXXX Balance : {$190.00} ; XXXX  XXXX  XXXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX XXXXX Balance : {$1700.00}.
Product: Debt collection

This company - MCM - MIDLANDS CREDIT MANAGEMENT- debt collector - is contacting random family members. They have not contacted me personally.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The Bureaus Inc., have sent me : XXXX as the collection account number, this is not the account number they put into collections on all three credit bureaus, which is : XXXX. This is inaccurate. 

2. The Bureaus Inc., have reported this account as " open '' and " closed '', inaccurately across all three bureaus. It is closed, not open! This is inaccurate. 

3. The Bureaus Inc., report the Date of last activity was XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Inaccurate on all three bureaus. 

4. The Bureaus Inc., have reported Date Reported as : XX/XX/XXXX, and XX/XX/XXXX. Inaccurate on all three bureaus. 

" The federal Fair Credit Reporting Act ( FCRA ) promotes the ACCURACY, fairness, and privacy of information in the files of consumer reporting agencies. ''
Product: Debt collection

On XX/XX/year> i XXXX XXXX requested a written validation for a Debt put on my credit reports XXXX XXXX representative of XXXX XXXX XXXX signed my certified mail and after futher review determined that the account didnt meet the legal requimements to be on my credit reports and took it off XXXX Centra Portofolio Control openned again this debt on XX/XX/year> i requested through Certified mail the writted validation of this Debt, This Company Failed to provided the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Documentation showing you are licensed to collect debts in Colorado. 
And instead the send a vague document with just my name and an alter amount stating i do owe this when they only not fail to provide all the documents requeted but opened this account multiple times fraudulently and failing to provide all this documents as well as keeping it on my credit reports from major credit bureaus and failing to repond my correspondece after all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo has violated the law as a data furnisher and has reported inaccurate information on my consumer report.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

Wells Fargo is liable to me as a consumer for not complying to the requirements governed by law.

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or
Product: Credit card or prepaid card

I have contacted American Express on four occasions during a period of three days demanding they close my corporate Gold Account ending in # XXXX and the account still remains open.