23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

False information recorded on credit file Company American Express XX/XX/XXXX Debit debit set up via app for minimum payment to be taken on the required payment date XX/XX/XXXX Text message received from American Express to inform me of a late payment. Instantly logged into app to make the minimum payment, dispute previously in XXXX XXXX setting up direct debit. 

XX/XX/XXXX Mortgage applied for, rejected to to late payment published on my credit report. 

XXXX XX/XX/XXXX American Express contacted to request that the late payment is removed from my credit file as it is inaccurate due to direct debit being set up via the app XX/XX/XXXX. American Express initially told me it was impossible to remove this from my credit file, however after being transferred to a manager who set up an enquiry and was told That a decision would be made in 10 working days.

2 weeks later I contacted American Express as I had still received no correspondence from them regarding the issue. American Express have told me that the decision has still not be made and would be a further 10 days. At which point I had stressed it was severely affecting my mortgage application, which furthermore as my career as a XXXX XXXX had detrimentally affects on my lively hood. 

XXXX XX/XX/XXXX I contacted XXXX XXXX, the employee said she could see the error reimbursed my account with the late payment charge also stated that she would file a report and I would hear back in XXXX working days. Me response back was that this had already been dealt with on XXXX occasions in XXXX and that I could not wait any longer. The phone went dead. 

XXXX XX/XX/XXXX second conversation I contacted XXXX XXXX again and explained the situation as the phone had been cut off. He went and asked the XXXX who told him the report had come back and They had declined my request to remove late payment from my credit file. I this point I requested to speak to the XXXX. He said that it had been declined and nothing else could be done, he requested evidence of me setting the direct debit up, which I am unable to provide as it was done via the app. XXXX informed him of this severely effecting my lively hood, offered to send prove of funds though my bank statement although direct debits has been set up, XXXX XXXX have failed to take the direct debit from my account. The payment was received XXXX minutes after after the text had been sent to me informing me of late payment. Offered to send in credit report that states no missed payment of anything in the previous 8 years. Asked to speak to another senior member of staff to be told it would be a further XXXX working days. 

This has major effects on my career, I am currently out of work due to being unable to mortgage any further propertys while the late payment is showing on my life. This has left me unable to support my family financially.
Product: Credit reporting or other personal consumer reports

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


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

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 TRANSUNION 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: Credit card

I purchased a XXXX XXXX  ticket through XXXX on XX/XX/XXXX for Friday XX/XX/XXXX to Monday XX/XX/XXXX for {$260.00}. Throughout the booking process, XXXX was advertising free XXXX cancellation with full refund. After purchasing it, I tried to upgrade it to extra leg space as I was with my son and was not able to. Customer service was not helpful, so I decided to cancel it ( trusting the 24-hour free cancellation promise ). When cancelling through XXXX, I was told to cancel through XXXX XXXX website, but it was down. I reached out same day ( Sunday XX/XX/XXXX ) to XXXX XXXX and was able to cancel with promise that it is a free cancellation within XXXX hours. After cancellation went through, I receive an email telling me that I have cancelled and have a reservation credit. I won't be using XXXX as I will mostly be travelling with my son and will need extra leg every time which I was not provided here. I reached to XXXX asking why I only have a reservation credit and not full refund as advertised and was told additional to the 24-hour cancellation policy, the ticket needs to be booked at least 7 days before. This was not mentioned anywhere through my booking, and this was my first information. After submitting dispute to chase, they reached out to merchant who provided the fact that the ticket is nonrefundable and never mentioned the 24-hour policy. Chase did not request additional information from me as I have screenshot of what the page told me when I cancelled. I wasn't given the opportunity to review merchant reply and dispute was denied. No denial notice sent me. I figured out this looking through my account, called chase and was told it is past appeal time.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXXXXXX Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. Hwarfield {$2700.00}, XXXX {$600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has not be removed from my credit report and is causing my score to be less than it should. This is reported on my XXXX and Transunion credit report.
Product: Vehicle loan or lease

I was reviewing my car note statement notice that the principal had reach to a total of {$280.00} as XXXX/XXXX/XXXX and the interested rate {$75.00} dollars. I was wondering if the company was charging and extra fee for the car even though the APR was 5.990 % .quote on quote is state if you are late paying it 's only {$2.00} a day after the 4th day.
Product: Money transfer, virtual currency, or money service

A woman approached me on XXXX on XX/XX/XXXX under the name of XXXX XXXX. She offered me money in exchange to be her friend and talk to her. She promised XXXX a week, but said she was going to send XXXX and that I should send the rest to a charity of her choosing. I go the XXXX deposited in my account and sent the XXXX before I was warned of the fraud possibility.
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ar purpose.

XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

I have a debt on my credit report from a third party ( XXXX XXXX  ). It is showing up on my credit report as the following : *Charge Off *Profit Write Off *Shows no info regarding the times when the payments were made on time from XX/XX/XXXX to XX/XX/XXXX It has been reporting like this for about a year but I never received a 1099-C. In my research I found that if XXXX bought the loan from the original creditor and the original creditor wrote it off then they can not collect on the same debt.
Product: Payday loan, title loan, personal loan, or advance loan

Interest and APR were mis stated by the representative. I was misdirected between multiple screens while signing and was pushed to buy an insurance policy that was cancelled and I didnt receive the correct amount back. When I called and asked for a copy of the signed document I was told it was already emailed to me. I asked many times and was given the response that Id receive it. I never did. Im now locked into something that was a complete falsehood when presented and thats life but I want the documents so I know how much I legitimately owe
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights under 15 U.S.C. 1681. Section 602 of the FCRA affirms my right to privacy. Additionally, under 15 U.S.C. 1681e ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions. Furthermore, according to 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

Our mother passed away in XX/XX/XXXX. We made payments on her car during probate. When probate ended we worked with the lawyer to transfer the title and loan. We completed paperwork in XX/XX/XXXX. Honda Financial Services uploaded blank documents instead of completed forms. Resent paperwork in XX/XX/XXXX. Honda Financial said that they would process the paperwork. Sent additional paperwork that was not disclosed originally to the wrong address. 

We were finally able to have them email the documents after repeatedly saying that they could not email the documents. We got them notarized and submitted. Followed up with the company. They have received the documents weeks ago and will still not submit to the DMV for registration. Every time we call, Honda Financial Services says they will " expedite the request '' we call back and they still have not done anything on the case. This has been going on for two weeks since they said it would be 3-5 business days. 

The car registration is expired, we continue to make payments, insurance payments and car storage on the vehicle while they are unable to process a request we were told would only take a few weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I spoke with the sales manager to get prequalified with XXXX XXXX XXXX XXXX. I am completely aware that during the financing process they submit multiple credit applications. With this fact in mind, I specifically instructed the sales manager that I ONLY WANTED TO ACQUIRE FINANCING WITH XXXX. I specifically instructed the sales manager to avoid shopping my credit around because I did not want numerous inquiries on my credit report. I am in the process of acquiring a business loan and was told to avoid that sort of activity. The sales manager did not properly communicate my authorization to only submit 1 credit application to the finance manager, which resulted in the UNAUTHORIZED SUBMISSION to several lenders. The General Manager of the dealership has admitted fault and apologized for the unauthorized submissions. While it does bring me solace to know their actions were not malicious, the accidental submissions has hurt my credit report and ability to acquire a business loan. I have challenged the inquiries with the credit bureaus and have been referred to challenge these directly with the lenders.
Product: Checking or savings account

I have XXXX savings accounts with Barclays. XXXX of which are for my XXXX  XXXX  and I am joint account holder. 

XXXX ) Friday XX/XX/XXXX. My oldest daughters XXXX  account/joint account was frozen. We were unable to transfer out any money. Barclays said when she turned XXXX the XXXX  account should have been transferred to a joint account. She turned XXXX, XX/XX/XXXX - XXXX year prior to this. 

XXXX ) I asked them to transfer the money to my account since I was joint account holder. They said they could not due to the restriction and that her identity needed to be verified as outlined in the terms and conditions. They said I needed to send Driver 's License, XXXX XXXX  account statements, Social security card, OR Tax Return in lieu of SS card I asked them to tell me where in the terms and conditions does it spell this out? They could not provide this nor does the terms and condition say she needs to provide her Driver 's License, XXXX XXXX  XXXX, Social Security Card OR 1040 tax return. 

XXXX ) They wanted all of these documents emailed to them. I requested a secure way versus from my gmail to their customer service email. They had none. 

XXXX ) I supplied Driver 's License, XXXX  XXXX  Account Statement, and her XXXX Tax Return XXXX. 

XXXX ) I have called Barclays every single day since XX/XX/XXXX. On XX/XX/XXXX, they said they will not accept her tax return and I need to now send either a XXXX or SS card as to provide her SSN. I let them know that her SSN is not only on the Savings account, but on the Tax return I had provided and that XXXX 's do not contain full SSN. 

XXXX ) I requested to speak to a supervisor, to which I was denied. I have been denied access to an account that I am joint owner to and My daughter has been allowed to transfer money in and out for over a year when they said she should not have been able to. 

XXXX ) The amount in question that is locked up with Barclays and they refuse to return is {$760.00}. 

XXXX ) If I can not obtain this money - I will file in court against Barclays seeking an amount much greater than {$760.00}. She has been unable to withdrawal money to pay her college tuition and books. This is not ok.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX along with other companies XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX have listed fraudulent information on my credit report. There are employer information for places I have never worked. Addresses listed that I am not associated with. People are out here thinking of taking their lives solely based on the pressure the credit bureaus put on them for reporting false information. I can only imagine the many people like me with similar issues and the bureaus literally do not care. I am taking this all the way to the boss of the boss of the boss of the bureaus and I am charging for each violation. Many letters and phones calls to these above companies and they have yet to correct the problem.
Product: Credit reporting or other personal consumer reports

Ally Finanical {$44000.00} This company has willingly and knowingly violated my rights as a consumer. This company is in violation of the Fair Credit Reporting Act and the Gramm-Leach- Bliley Act. Violations of the Gramm-Leach-Bliley Act for non-compliance can result in fines up to {$100000.00} per each violation for financial institutions.With that being said this company along with XXXX, XXXX, and XXXX have been notified of the violations by me and no action has been taking. I am depending on the CFPB to make sure action is taking and to show these companies, organizations and institutions that they are not above the law.

Under the Gramm-Leach-Bliley Act 15 U.SC. 6801 et seq. also known as the Financial Services Modernization Act of 1999, I the consumer should be giving the option to opt out of my nonpublic personal information being reported to or with non-affiliated third parties. The opt-out notice must be must be explained clearly by financial institutions and provided in writing at the time of an in-person transaction and electronically for a online transaction.

This option was NEVER provided to me! I request that this account be deleted and no longer be reported on my credit report
Product: Credit card or prepaid card

I XXXX XXXX XXXX purchased a timeshare on XX/XX/2022, with XXXX XXXX at their XXXX XXXX XXXX. Prior to this purchase, the account with American Express did not exist. The sales staff pressured me to apply for the credit card and then charged the full amount to this account for the vacation interest in the amount of {$12000.00}. 

The sales representatives insisted that I apply for this account even though I would have preferred to not use a new account. They also insisted that the full amount be placed on the card to cover the cost of the contract purchase with XXXX. 

I later discovered that the vacation interest is nothing like what was told to me at the sales presentation. We were advised verbally, and they visually demonstrated to us that the Resorts would only cost a certain amount of points which was a lot lower than the points would actually cost. 

Due to the misrepresentations made by XXXX 's sales reps and the pressure placed on me to apply for this American Express account I am disputing the full amount that was charged to this card on XXXX XXXX in the amount of {$12000.00}. 

Please note the amount for the contract that was charged to the American Express was more than 50 % of the total cost associated with the interest.
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 : XXXXXXXX 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 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 XXXXXXXX XXXX 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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. 

I have enclosed the inconsistency for the self financial account.. 
Im also request a copy of the actual contract with my signature on the for all account.. please delete .. if proof of signature cant be provided Please delete XXXX XXXX XXXX the balance still wrong at its XXXXXXXX XXXX XXXX XXXX XXXX XXXX and its been paid.. delete asap
Product: Credit card

ILEGAL CHARGE MADE ON MY XXXXXXXX XXXX XXXX CREDIT CARD. 
SINCE XXXX XXXX, 2023, I REPORTED I NEVER MADE SUCH CHARGE, THE COMPANY NEVER SOLVED ANYTHING AND THEN SOLD THE ACCOUNT TO THIRD PARTY. THIRD PARTIES CONTINUOSLY BILLS ME FOR THE ILEGAL CHARGE.
Product: Debt collection

I having a problem with portfolio recovery debt collector. I have told them on multiple times over the phone to please stop contacting me and that the two collection accounts are not mine but they keep calling at least 20x a day
Product: Vehicle loan or lease

I had a XXXX XXXX financed through CMM in XXXX XXXX I was 30 days past due I talked with XXXX in there collections on XX/XX/XXXX and informed her that I would be caught up by Friday the XX/XX/XXXX woke up on XX/XX/XXXX and the car was gone. XXXX new that it was going to be repossessed and did not say anything. It was only 30 days. I explained to her that I had been evicted and I was going to get caught up by Friday. This is totally fraud or just a right out money hustling company not to mention the people who got the vehicle tore up my moms driveway.
Product: Student loan

I am enrolled in the SAVE plan according to my MOHELA online account. I am a medical resident with an annual salary of approximately {$70000.00}. MOHELA is telling me that my loan payments are due to restart at {$4400.00} per MONTH, which is higher than my monthly take-home pay. They do not have an explanation for how this was calculated, and their only solution is to place my loans into forbearance until they can re- enroll me into the SAVE plan - this will cause me to become at least 2 months delayed toward my Public Service Loan Forgiveness , which will cost me thousands of dollars in the future. This is absolutely unacceptable and irresponsible.
Product: Credit reporting or other personal consumer reports

I am filing to formally present a complaint against Experian and XXXX Bureaus regarding unresolved issues in my credit reports. Despite previous attempts to address these issues, they remain unaddressed. I kindly request the removal of the following fraudulent inquiries from my credit file : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX