23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My loan is due to come out of deferment/forbearance on XXXX/XXXX/XXXX. I made a payment for {$80.00} ( twice the monthly amount due ) through my bank on XXXX/XXXX/XXXX to be delivered on XXXX/XXXX/XXXX. The payment was processed on XXXX/XXXX/XXXX and 2 days later, still due was {$40.00} for XXXX/XXXX/XXXX. I inquired with Heartland ECSI and they said that payments made more than 10 days before the due date are applied to current month and not the following. This obscure rule is not outline on their website. After dealing with several CSRs, my payment was applied for XXXX XXXX and the next payment will be due in XXXX XXXX. Upon further inspection of my account, what was not explained in detail was that even though the site said that my payment for {$80.00} was applied to my principal, my payoff balance was {$9.00} short of what it should have been. After inquiring with another CSR, they said that the missing amount was for the interest accrued for XXXX XXXX, yet I still owed a {$40.00} payment for XXXX XXXX -- that should not be considering a payment was made and the site said ALL monies went towards the principal, when in fact, {$9.00} went towards interest for XXXX XXXX. This company is using underhanded tactics in an attempt to fool and cheat its customers.
Product: Debt collection

This company is violating my rights they have not provided validation Information Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  yet they have placed a collection on your consumer report recently. 
I have made past attempts to fix these problems directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.
Product: Student loan

My student loans are held with Navient and they were put in to defferement without my knowledge. After emailing them several times with no response we had to call and start payments again.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting correctly. These accounts show late payments listed but were in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. These accounts have not ever been late on payments. I have included a copy of the reporting to this complaint. I am now requesting this matter be investigated and update these payments to be paid on time immediately, Thank you for understanding and for your prompt action. 

These were not authorized by me. 

XXXXXXXX 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: Checking or savings account

My payroll check is typically deposited on Thursday but it is Friday and I have still not received my deposit. I have confirmation that the payment was sent to my account at Capital One
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account numbers : 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 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
Product: Credit reporting or other personal consumer reports

Experian has been reporting and refreshing a negative account on my credit profile, it says I have late payments from this year and last year but that is incorrect everything has been paid on time, and paid off before i tried to close the account for fraud in XX/XX/XXXX but it was kept open, and I was told that the negative marks would be removed from XXXX, this is fraud that information is not accurate and you cant prove it is It says closed my account in XX/XX/XXXX which is a lie! I closed it way before that!! 

I told Experian consistently to remove the negative XXXX  XXXX  because it was being used in fraud, and the company refused to close the account I never paid them late The XXXX XXXX should have been completely gone from my credit report!! It was fraud!!! And also my credit report says I have a recent late payment, I should have XXXX late payments!!! Your marking my with no proof I took screenshots as well just in case I have to bring this the court
Product: Money transfer, virtual currency, or money service

I am filing a complaint against XXXX XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was 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 caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

Since my lease ended with GM Financial, the amount owed at the end of the lease has changed three times. 

Initially I was sent a bill for {$1300.00} but it did not include details on the inspection results for excess wear and tear. I called to get the details and reviewed the inspection results with the agent on a site they use. During the discussion we determined that the amount shown in the inspection did not match the amount shown as due to GM Financial. I was instructed by the agent to wait a couple of weeks while they requested a correction/confirmation of the actual amount due. 

After waiting couple weeks, I checked the amount owed on the site and it now showed {$0.00} due. When I called in to confirm if the amount due was correct, I was informed to disregard the amount as it was incorrect. Once the pending adjustments were made, I would receive a new bill for the final amount. I never received the bill. 

On XX/XX/2020, I checked the site again and it now showed that I owed {$810.00}. That day, I paid {$410.00} towards the amount due so it would leave me with a final payment of {$400.00}. 

When I checked the site again, it now showed that I owed {$800.00} by XX/XX/2020. I once again called to confirm since the prior amount it had shown was {$810.00} and with the payment I made, it should reflect only {$400.00} due by XX/XX/2020 and not {$800.00}. 
I was told to disregard the amount shown and that I indeed only had to pay {$400.00}. 

Today I logged in to the site to make the final payment of {$400.00} which was agreed upon previously. However, the site still shows that I owe {$800.00} by XX/XX/2020. I once again called to confirm what the correct amount due. The agent confirmed that I needed to pay only {$400.00} and that I should disregard what showed on the site. 

While she agreed that the site can be inaccurate, she indicated that they were providing payment information online as a courtesy. They were under no obligation to show the correct amount on the site and that the correct amount due was told to me when I called in.
Product: Credit reporting or other personal consumer reports

I submitted this complaint again to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX Balance : 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 am writing to urgently follow up on the unauthorized hard inquiries listed on my credit report, as previously raised in my complaints.
Product: Debt collection

I was contacted by a representative of XXXX, on XX/XX/2023 at XXXX XXXX  ( XXXXXXXX XXXX central  ) as I was traveling on business on the XXXX XXXX. I was asleep when the call came in, so I was not able to answer before the call rolled to voicemail. At XXXXXXXX XXXX ( XXXXXXXX XXXX CDT ) I called the number back, not knowing who the caller was. When my call was answered, I stated that someone had called me from this number and I was returning the call. The female on the line immediately wanted my name, but since I did not know who I was speaking to, I'll asked her who she was with. Her response was, " I told you when I answered the phone, now what's your name ''. I told her again, " I don't know who you are or what company you represent, so let me know who you are and then I will tell you who I am. '' She then told me very rudely, " well whenever you're ready to identify yourself, you can call back '', then she hung up on me. I called back again and determined that this company is called XXXX, a debt collector, and called me from phone number XXXX. This representative was very rude and disrespectful. I understand they have a job to do, however there is no excuse for being rude and disrespectful. There was no reason for this behavior towards anyone for any reason. I immediately contacted the doctors office who referred this account to them, and it was quickly determined that this account was sent over in error as there was an error in billing on their part, which has been resolved. I also notified the doctors office of how I was treated by XXXX, as I know how much pride they take in providing a respectful and service oriented atmosphere for their patients. My expectation is that I receive a genuine apology from XXXX for how I was so rudely disrespected by their firm, as well as what steps will be taken so that others do not have to deal with the abusive tactics that this company appears to use to intimidate the people in which they contact. I have no patience or tolerance for these unethical and unprofessional tactics. I expect to be treated professionally and respectfully at all times, and I will provide the same in return.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review. 

PUBLIC FILINGS US BKPT CT IL CHGO XXXX not mine
Product: Credit reporting or other personal consumer reports

They have reported me bei15 U.S. Code 1666b - Timing of payments U.S. Code Notes prev | next ( 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.

( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 
ng 60 days late and that is incorrect
Product: Credit reporting or other personal consumer reports

I spoke with XXXX XXXX in XX/XX/XXXX regarding why I received a late payment on my account after speaking with several others who were uncertain to how I received the late payment. I received credit for 3 months payments towards my principal account as well as removal of interest to satisfy a previous complaint with this company. After reaching this agreement a late payment appears before my actual due date in XXXX of XXXX from XXXX of XXXX?. I received the notification from the bureaus. After reaching out to the company per the previous complaint I was directed to XXXX XXXX who states that the late payment was from XX/XX/XXXX. I let XXXX XXXX know that it is illegal to report a late payment from several months after it supposedly occurred and violates my FCRA rights as a consumer. I explained that during my email communications and calls to the company no one ever stated any such thing. She states that they were not able to tell me because of my cease and desist in place from the previous complaint. I advised her that Ive had several communications and not one person saw nor mentioned this late payment. This company continues to disappoint its consumers, in turn in why they no longer do these types of loans. My bureau reported at the time all on time payments from XX/XX/XXXX until XX/XX/XXXX. This appears after the agreement was reached from the prior complaint and the proof of that was provided from XX/XX/XXXX from a screenshot of my online bureau report. The correction of payments would have satisfied any payments and or any interest if I was truly delinquent. The dates reporting are all different for the same bureau.
Product: Vehicle loan or lease

Account # XXXX At the beginning of the XXXX I cx the package plan with XXXX tire and rim along with other services. Due to the fact I could not get service done at the location. I then tried to go to XXXX where I was told they would service the car and did not. XXXX XXXX XXXX made it seem like they didnt deal with XXXX XXXX XXXX I later found out they have the same general manager. Ive decided to sell my vehicle. I have been trying to sell the vehicle and the package is adding XXXX dollars to my buyout. It has been well over XXXX weeks and the company still has not changed the buyout amount making it impossible for another company to offer a buyout. 
Over a month has passed since the request and still has not reflected on the bill. I need to sell my vehicle and get the owner off the loan because they will not comply with the lease contract. I am the co sign Ive done everything possible however XXXX is not helping on their end they have made this extremely hard.
Product: Checking or savings account

I opened a checking account in XX/XX/XXXX with BMO HARRIS BANK. I signed an agreement that allowed me to access my account online through bmo harris 's portal. 

XX/XX/XXXX I tried to access my account using my id and password and was directed to another portal instead of my account. At that portal I was prompted to check two boxes signifying my agreements to new terms and conditions and I refused to check. When I refused to check I was not permitted access to my account online. My online account has been taken hostage until I agree to a new agreement. 

What happened to the agreement that allowed me access to my account since XX/XX/XXXX??? I contacted bmo harris and spoke to XXXX, and then to whom I was told was a manager named XXXX. Neither would allow me access to something that only twenty four hours prior I had had access to. And XXXX refused to give me any officers names in the harris organization that I could contact by calling or email, and would give no names to whom to address my complaint via snail mail. I feel like he was deliberately being unhelpful. 

Once the accounts are established through signed agreements and I am in receipt of agreed upon services, I in no way expect for those services to be interrupted until if and when I enter into another agreement. I think such behavior is bullying, intimidating, immoral, abusive, and possibly illegal. The bank has no right to XXXX XXXX, arbitrarily, change the original agreement because it suits their needs or desires, and if it does and I agreed to it then I don't have to agree to it again. 
After getting in touch with management I was told " If you feel that you can not agree to the online terms, then unfortunately we will not be able to grant online access to your accounts, however, you can still access your account information via telephone banking, branches and ATMs. '' I was also told by by the bank representatives that I had agreed to several changes in the past and that I checked agreement boxes in order to access my account. 
Those are lies, subsequent the initial agreement I have checked no other boxes to access my account, nor was I was allowed to access my account by telephone. My pin was not recognized, and when I called I was told that I had never set up a pin and had never accessed my account by telephone before, whereas I used to use the telephone service almost exclusively. This is not a dormant account, never has been and is used daily through a debit card. 
I feel I am being taken advantage of by a banking system that is possibly violating the law by such actions. 

XXXX XXXX
Product: Debt collection

XX/XX/year> @ XXXX - Received a phone call from ( XXXX ) XXXX telling me they need to serve my spouse a sealed envelope from someone suing or seeking arbitration. As I inquired for what and from whom they replied XXXX XXXX is the one serving us for arbitration matter and for them not to render services my spouse needs to contact them immediately to ask for a release order. 
The provided the company name and telephone number as ( XXXX ) XXXX and gave a file Number # XXXX - XXXX My spouse contact them and was informed he they had mailed several items to an address in GA and one in XXXX XXXX ( former previous address years ago ) and owed money to a lender he never heard of. He asked them to send the info to him to review. 

XX/XX/year> @ XXXX I followed up again and called ( XXXX ) XXXX back to someone who answered to a name XXXX and wanted to verify the name of the process server company that will render services. When I asked for a manager or clarification they are a real company and was asked what state I was in and I said Florida. I was placed on hold and then was informed they work for attorneys all over the US and they could not give any more info then she yelled that the envelope is sealed and was hung up on. 

XX/XX/year> @ XXXX - I called back ( XXXX ) XXXX and XXXX answers and states he will transfer my call When I explained I would like information on their company. The person with the same exact voice picks up like its been transferred as XXXX, lead paralegal for XXXX XXXX. He does not know what a EIN number is and can only provide the business address as XXXX XXXX XXXX, XXXX DC XXXX. He states the CEO is named XXXX XXXX and places me on hold to see if he is available. 

The numbers are the same and they same persons answer the number for XXXX XXXX ( XXXX ) XXXX and the process server company ( no name provided ) ( XXXX ) XXXX. I believe they are scammers trying to commit identify theft and am trying to stop them for harassing others. Please advise this will be investigated and advise if we can press charges since it is only phone numbers. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Account I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX : {$0.00}
Product: Credit reporting 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|
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to dispute addresses on my account that I have not lived at and are not addresses that are mine or that I receive mail to. They are fraudulent addresses. 

I spoke to Experian multiple times and they refuse to delete the inaccurate addresses. I just spoke to someone in special handling that stated his name was XXXX XXXX but I dont believe that was his name and I think he gave me a fraudulent name. I explain that these are not my address is that I have given them identifying information for myself including my drivers license and Social Security card and a letter disputing these addresses several times already and that I am being blocked from disputing them which Im including in my upload here. He told me that he does see that these are fraudulent addresses and he cant remove them. I explained that according to the FCRA that the addresses have to be deliverable to me via XXXX XXXX XXXX addresses are not deliverable to me and fraudulent. He kept giving me a bunch of filler conversation over and over and wouldnt transfer me to a supervisor or give me a direct answer on why these addresses are on my credit report inaccurately and that he even acknowledged them as fraudulent and told me he was unable to dispute fraudulent information. This is a violation of FCRA 623. This behavior is willful and malicious to report acknowledged fraudulent information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an account that is not mine, I 've disputed, I 've produced paper work from the XXXX. They will not remove this account from my credit file. I have no knowledge of what the bank is where it is, if it even exists where I live. I 've never heard of the company and whats most confusing is there is a XXXX balance. this is negatively impacting my credit file and it is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo has not sent requested information from multiple demands. 
1 ) Copy of signed consent to furnish my public information to any person/company/CRA etc 2 ) copy of the signed contract of the alleged debt These demands have been ignored on several letters received to them. Currently letter was received XXXX XXXX ( usps tracking # XXXX ). This request is to be completed within 30 days. I do not agree to any more time being used for investigation
Product: Vehicle loan or lease

Steward financial loan terms are keeping me underwarter on my car loan, despite attempting to refinance directly thru them, and all attempts to make the issue better and financially feasible for both parties. 

the representatives are rude, do not listen to customers, have horrible attitudes with the power to make ones credit report horrendous. 

i have walked into 4 separate car agencies attempting to get out of the sub prime loan with each unable to assist due to the XXXX negative equity,. 

i have made two years of on time payments, per experian credit report. I was late 1 business day and they were not graceful in helping me keep that from being reported. 

the orginal loan was for roughly 20K with monthly payments of XXXX after two years the principal of the loan has only went down XXXX dollars.
Product: Debt collection

LVNV Funding LLC placed my account with Resurgent capital services ( collection agency ) on XX/XX/2023 and {$770.00} must be paid. I never had an account with LVNV. 
I attempted to call Resurgent Capital Services, but nobody answered the phone. 
Resurgent Capital Srvc XXXX XXXX XXXX XXXX, SC XXXX XXXX