23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2020 or thereabouts I closed my XXXX  due to Covid-19. As there is no mail slot we applied to the Post office to forward the mail to the office manager 's home. Due to a slow down with mail delivery during Covid my XXXX bill went lost and my XXXX bill arrived late. Payment was made in XXXX for the {$12.00} bill and the late penalty. There was a mistake made by discover and they incorrectly credited the wrong account so that my account appeared 90 days delinquent. They corrected this, but still reported a 60 day delinquency to the various credit reporting agencies. As a result my credit score went from low XXXX 's to XXXX. Discover Card has ignored my requests to remove the delinquency. It is now impairing my ability to get a good rate on a mortgage. Do I have any recourse? Can you office offer any assistance? It is absurd that my credit score should be so profoundly affected by a delinquent bill of {$12.00}.
Product: Credit card or prepaid card

This company ( XXXX XXXX ) is not able or unwilling to provide me with monthly statements that show amount paid, interest charged, amount applied to principle, and new balance for monthly on-line payments on my Lowes advantage credit card.I talked to a customer service rep ( XXXX XXXX ) and she said that I should be receiving monthly statements in the mail or by E-mail if I had selected that option on line.Several weeks ago I selected the option of receiving them electronically on line but that has not been successful either so I have no idea how they are applying my monthly on-line payments.I expect that when I make payments on -line I should be able to read a summary of all monthly statements to date on line.Their site has a selection labeled summary of activities and statements but all that shows is the amount of past payments and dates rec'd.Therefore I have no information about how each on-line payment I make is applied to the previous month 's balance.
Product: Debt collection

I have been harassed, violated, lied to and a victim of fraud by American Express. I have tried and tried to get this matter handled and they have done nothing but deceive me. On or around XX/XX/XXXX, I sent American Express a third communication attempt via XXXX registered mail asking them to via debt on three business accounts which they were threatening to report on my consumer credit file. Not only did they not validate either of the three accounts still to this day. They sent me email correspondence saying that they wouldn't report the accounts to personal consumer report, and they would cease and desist with any further collection activity and communication. They lied. Today is now XX/XX/XXXX, and they have now been reporting these accounts to my consumer report for months damaging my consumer credit report and reputation. In doing this they have cased personal damage to me and have committed fraud against me along with countless other violations. Violating me as a consumer, an original creditor, and man of live flesh and blood. I have also sent them several other letters in connection with these accounts and have completed an administrative process. All correspondence has been sent to then XXXX registered mail with return receipt, showing they have received it. In commerce silence is agreeance and they are in dishonor. This is my last chance to get this rectify this issue before moving forward with a lawsuit. I am attaching several different communications between myself and American Express. ( All communication not provided ) Herer are some of the violations listed below. 
15 USC 78 ff 15 USC 1611 15 USC 1692 15 USC 1692 ( c ) 15 USC 1692 ( e ) 15 USC 1692 ( g ) 15 USC 1692 ( k ) 18 USC 242 18 USC 1001 18 USC 1002 18 USC 242 42 USC 1983 42 USC 1985 ( 1 ) 42 USC 1985 ( 2 ) 42 USC 1985 ( 3 ) 42 USC 1986
Product: Money transfer, virtual currency, or money service

Received a denial for a loan application I did not ask for. Did not apply for a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00}
Product: Vehicle loan or lease

I finance a XXXX XXXX XXXX from XXXX through Santander. I had payments of {$390.00} for 81 months. For a total of $ {$15000.00}. How does this calculate? The repossesses the car twice and I had to pay double the payment to get the car of storage, the towing fee, plus the amount I owed. They then offered to skip a payment but ended up costing me more with additional fees and more months added. I called and asked for the rest of the payment to be forgiven after I got my XXXX and I was denied., Instead late charged were added and now I owe almost half of the original cost.. {$8000.00}, I would like them to forgive my loan due to my XXXX XXXX, report paid in full to the credit agencies and send me the title of the car Account Opened XX/XX/XXXX ( 6 yrs, 10 mos. )  Term 81 months ( 6 years ) Term My last payment was in XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp 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 Electronic Fun Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for the violations.
Product: Mortgage

Notice of Error XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX The Money Source assumed my loan in XX/XX/2021. My property taxes have not been paid and were due on XX/XX/XXXX. I have called at least 4 times since XXXX to discuss this. My property taxes are now past due. 
XXXX XXXX I spoke with XXXX XXXX I was on the line with him for over an hour. He could not explain why they have not been paid. He tried 4 times to reach a manager to help us but no one was available. He said that he would escalate this and that someone would call me back with in XXXX hours. Today is XX/XX/XXXX and I have not heard from anyone. 
XXXX XXXX I spoke with a very nice man. We were also on the phone for over an hour. He said he would escalate my case and I never heard from anyone nor did my taxes get paid. He assured me that if they are paid late, that I would not be responsible for paying the late fees. 
-I had XXXX different calls on XXXX different days prior to XX/XX/XXXX. 
XXXX XXXX I sent them a message similar to this one with a request that a manager call me on Monday XX/XX/XXXX. 

This is sloppy and unacceptable business practice. No managers are available to help rectify the situation. No one returns calls. It is a helpless feeling to have no one at the other end of the line who is actually able to help. 

Amount Due before XX/XX/2021 {$10000.00} 10 % Penalty after XX/XX/2021 {$1000.00} The Money Source Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX Please help me get my property taxes paid. Is there a way to have someone else service my account? 

Thank you for your assistance in this matter! 
Best, XXXX
Product: Debt collection

on XXXX XX/XX/XXXX case # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX defendant dismissed without prejudice, they did not show to court date, and now they have a petition to revive judgment, on XX/XX/XXXX received a letter by mail, that i need to request a hearing by XX/XX/XXXX, that day I send by fax # XXXX XXXX XXXX to resurgence legal group a letter requesting about this credit card, no answer from them, now they arethey send a citation to discover assets to third party ( wages ) to my ex employer and me.they arent been clear and fair with their procedures, they are causing me emotinial distress, can't sleep and eat,,
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated and corrected these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX Last 4 of : XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ) In accondance with the Fair Credt Reporting act. The Lat of accounts below has violated my federally protected consumer rights to privacy and confidentality under XXXX XXXX XXXX. 
Account name : [ XXXX XXXX CO # XXXX ] has violated my richts. 
I looked at my [ XXXX ] credit report on [ XX/XX/year> ] and noticed some things are incomplete and not accurate. And acconding to the fair credit reporting ad Wheneve a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information conceming the individual about whom the report relates according to 15 USC 1681 ( eXb ). And according to 15 USC 16815 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( XXXX generalit, 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- ( ) 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 ( li ) 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, credit repair services, or other personal consumer reports

Upon receiving my background check I was informed that my name didnt match my social security card. I have proof that this wrong ; since my social security card has the same name as the one given for the background check.
Product: Credit reporting or other personal consumer reports

To whom it concerns my name is XXXX XXXX, and I am writing to bring to your attention a matter that requires immediate attention. It has come to my notice that there may be an error in the way my information is being reported by XXXX. Specifically, I believe that certain information is being reported illegally. 

Section 602a of the Fair Credit Reporting Act, 15 USC 1681, stipulates that " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' As the consumer, my credit report providers are Equifax, XXXX, and XXXX. My right to ensure that my private information is kept private is supported by 15 USC 6801, which states that " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' By definition, all credit agencies such as Equifax, XXXX, and XXXX fall under the designation of a financial institution pursuant to 15 USC 6827 ( b ).

Section 2 of 15 USC 1681 section 604 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX have not given my formal consent to XXXX XXXX or the consumer reporting agencies Equifax, XXXX, and XXXX to provide this information. All spoken, nonverbal, written, implied, and other consents to Equifax, XXXX, XXXX, and XXXX XXXX are withdrawn. " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Equifax, XXXX, and XXXX never disclosed to me that I might invoke my right to remain anonymous. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' They are re-reporting this account as a negative item without my consent, which is illegal. USC 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Furthermore According to 12 CFR 1016.7, " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

These accounts are reporting late as reported in my XXXX Credit bureaus. These accounts should not be showing the current status of XXXX and XXXX days late since its already been paid for. It seems impossible to accrue late on an accounts that hae already been paid. Please report the payment status positive and update all late from reporting on these accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute for Removal of Bankruptcy Entry To Whom It May Concern, I am writing to formally dispute the presence of a bankruptcy entry on my credit report, which I believe is in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and related regulations. The inclusion of this bankruptcy entry is adversely impacting my credit profile and overall financial standing, and I am hereby requesting its immediate removal. It is important to note that I have previously disputed this entry, and your company claimed its verification through XXXX. However, I have not authorized XXXX to access my information as a consumer. Additionally, I have confirmed with the clerk of the court that they do not report any information to credit bureaus, rendering the account 's validity unverified. 

In accordance with 15 U.S.C. 1681 et seq., I am exercising my right to dispute this entry based on multiple violations, including Permissible Purpose, Right to Privacy, and the provision of a comprehensive Investigative Consumer Report. Specifically, I firmly believe that the reporting of this bankruptcy entry constitutes infringements of 15 U.S.C. 1681a ( 2 ), ( 4 ), 15 U.S.C. 1681 ( a ), ( e ), and ( d ). 

I have furnished substantial evidence demonstrating that neither the Courts nor PACER ( XXXX XXXX XXXX XXXX XXXX XXXX ) supply information to any credit agencies whatsoever. Consequently, the validation of this bankruptcy entry was never fulfilled as mandated by law. If you contend that this entry has indeed been validated, I insist that you furnish the investigative report to substantiate your assertion. In the absence of such documentation, I am prepared to pursue damages for violations at a rate of {$1000.00} per violation, in accordance with the FCRA. 

Given the evident violations and the absence of validation, I hereby demand the immediate removal of the contested bankruptcy entry from my credit report. This action is imperative to rectify the inaccuracies in my credit profile and restore the integrity of my financial reputation. 

I am confident in the validity of the aforementioned violations, and I kindly urge you to expeditiously eliminate the disputed bankruptcy entry from my credit report. Furthermore, I anticipate your timely response and resolution, aligning with the stipulations of the FCRA regulations. 

Please be advised that I am well-versed in my rights and remedies as dictated by the FCRA. Should these infractions persist, I am fully prepared to take appropriate legal measures to address the situation. I anticipate a swift response within the 30-day timeframe stipulated by FCRA guidelines XXXX 

Thank you for your immediate attention to this matter. I trust in your commitment to conducting a thorough investigation and taking prompt measures to rectify this issue. 

Sincerely, XXXX XXXX
Product: Mortgage

On  XXXX   XXXX ,  2017 ( or about ),  I was told that my loan request was sent to  Navy Federal Loan Committee with a request t o waive  XXXX  exceptions. I was told the request was denied.  <P/> However,  Navy Federal br oadcasts in its advertising that it works with its members to find solutions.  <P/> In this case I am suspect that the request was ever made by underwriting.  <P/> In fact - the misrepresented to me and the public how they work for their members.
Product: Money transfer, virtual currency, or money service

Cash App has allowed fraudsters/scammers to be allowed on their platform. I have tried to address the issue and they just allowed to payment to go through for {$400.00} and told me all I can do is to request it back. Then still continues to allow them even after my complaint to use their platform meaning they don't care about my issue or care to address it.
Product: Debt or credit management

At the date of accident, we were not issued a ticket for at fault accident. We didn't know who was at fault. If we were at fault, we tried to settle for the amount of accident. Since the date of accident, USAA has not contacted us or given us a chance to discuss accident or communicate what actually happened. USAA paid for the insured drivers vehicle to get fixed but the estimate was never provided to us. There was damage that was not caused by the accident on XX/XX/year>. After no communication from USAA, we were approached by a collection agency stating that we were to pay the money that wasn't even caused by our accident {$4600.00}. XXXX XXXX XXXX have been harassing us and threating license revocation. USAA needs to be more accountable during the claims process and be held at a higher standard for committing fraudulent claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. 
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau 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 inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
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 This account is showing inaccurate information on my credit report.
Product: Debt collection

I checked my credit report and saw that there is a judgement against me. The reference number is XXXX. I DO NOT have any contracts with these people. I DO NOT know who they are. I have never received a letter to go to court. My lawyer was never notified and I was never summons to go to court. I was denied credit because of this public judgement. They have never given me the chance to fight it and just placed it on my credit report. 

Public Record Details Reference Number XXXX Court -- Date XXXX XXXX, 2012 Status -- Amount {$1600.00} Classification -- Type legalitems
Product: Credit card

I've consistently made sure that payments on this account are made on time, never allowing them to be overdue. I'm uncertain about the reasons for reports of late payment comments on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.