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

I recently view copies of my ( XXXX, XXXX and TransUnion ) consumer reports and noticed that it is reporting my experience with XXXX XXXX XXXX XXXX. I wrote a letter regarding transactions and experiences ( utilization ) and payments that were marked late and reported by your company for the following account ( s ) on the following date ( s ) : 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 XXXXXX/XX/year> This reporting is illegal and XXXX XXXX XXXX XXXX is in clear violation of the law. Pursuant to 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences ( utilization and late payments ) between the consumer ( I ) and the person ( XXXX XXXX XXXX XXXX ) making the report. 

Utilization is an experience with the line of credit that was extended between the consumer ( I ) and the person ( XXXX XXXX XXXX XXXX ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between XXXX and I. 

XXXX HAVE VIOLATED THE FCRA 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) by reporting these transactions or experiences ( UTILIZATION AND LATE PAYMENTS ) on my consumer report which CONGRESS clearly states is NOT to be included on my CONSUMER REPORTS. 

i requested to be provided with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that XXXX have adopted to ensure that each periodic statement is mailed to i ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. 

XXXX had 30 days from the date that they received this request to provide me with the information that I was requesting. XXXX did not provide this information in the allotted time given, and it is assumed that XXXX can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account )
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the claim made against me under Article 1681-O of the Civil Code, which alleges civil liability based on negligence and non-compliance. Upon careful review of the facts surrounding this matter, I do not believe that the claim of negligence or non-compliance is substantiated, and I respectfully request that the issue be revisited. I maintain that I acted within the legal and professional obligations expected of me. have written request for to Experian and Equifax for reinvestigation of inaccuracy and negative items on report for XXXX XXXX XXXX XXXXXXXX and XXXX XXXX. Have submitted evidence of information involved in data breaches from XXXX.Therefore, the claim of negligence lacks the necessary foundation of evidence that would establish a breach of duty. In light of the above, I respectfully request that the claim be reviewed and dismissed, as I believe it is unfounded.
Product: Debt collection

I received notice from XXXX XXXX XXXX of an attempt to sue my XXXX mother, who has passed away on XXXX/XXXX/2017, There was never any communication to my mother from these people, Forster, Garbus & Garbus. This is their first communication, and it came in the form of a lawsuit to a deceased XXXX! 
The amount they are suing for is {$1400.00}!! 
I called the court and explained my mother had passed away, and there are no assets or estate. 
The court told me to report them to you, as they frequently do this to deceased people to see if there is an estate. I told the court I would send a copy of death certificate to them. 
These people really are the lowest of low. They should be sued for not validating the debt, and harassment. 
Even the court personnel now they are bottom feeders
Product: Mortgage

Servicing on my XXXX mortgage was switched numerous times. Was assigned to New XXXX Points Mortgage # XXXX on XXXX XXXX ... ..confusing of who I was to make payments to and made XXXX payments in XXXX ... they are reposting me 30 days late in XXXX of XXXX ... ... I was under the impression no late payments can be reported to the credit bureau during the XXXX 60 days ... ... they will not cooperate with me
Product: Debt collection

They call me all day on my cell phone and at my work number.
Product: Student loan

For XXXX  months in a row ( XXXX and XX/XX/2023 ) the amount Mohela states on their website I owe is different than the amount of my income driven repayment plan. Both months when I have submitted a payment ON TIME they have continued saying I am past due on my account even though I paid an amount greater than the amount owed. The XXXX  month I thought I had made a mistake however this repeated the next month as well. At this point I have made XXXX payments ( XXXX XXXX and XXXX ) on my account this month all greater than the listed amount owed prior to or on the due date ( XXXX ) however the website continues to say I am past due. When I attempted to pay this amount XXXX TIMES the website makes me toggle over the loans I am paying and after I do so it gives me a different amount owed. XXXX DIFFERENT AMOUNTS, always higher than the " amount due '' and once paid I am continued to be past due. I have called twice, spent XXXX hours on the phone on XXXX and was disconnected when the " supervisor '' finally answered the phone and received no call back despite being told I would receive a call back if we were disconnected. I call again today on XXXX and am told I have a different overdue amount that yesterday despite not making any further payments and all XXXX previous payments had cleared my bank account prior to yesterdays phone call. I have now been on hold for XXXX hours and XXXX minutes waiting to talk to another supervisor. All I am trying to do is pay the accurate amount owed and no one there can even tell me how much that is.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX, specifically XXXX XXXXwhich falls under XXXX  as defined by the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX  XXXX XXXXAccording to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX  within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from human trafficking.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed. The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I checked my credit profile at approximately XXXX CST and upon viewing my report I noticed erroneous and fraudulent accounts on my profile. The accounts that are not authorized by me are as listed : XXXX XXXX XXXX XXXX Account number : XXXX amount : {$1700.00} XXXX XXXX XXXX XXXX  Account number : XXXX amount : {$1500.00} XXXX XXXX XXXX  Account number : XXXX amount : {$53.00} online collections Account number : XXXX amount : {$180.00}
Product: Debt collection

Collection from XXXX  on a account I didnt sign or start. Its on my credit report as a collection from Diversified Adjustment. I filled a police report for identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Transunion and XXXX  on XXXX. I have not gotten a reply from either company. according to the Fair reporting credit act, these items should be deleted.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I received a message from XXXX XXXX inquiring about tires and rims I was selling on XXXX XXXX XXXX for {$600.00}. He inquired about whether I used Zelle for payment. I told him that I did. Then I received a notice from what I thought was Zelle stating that the person that was sending the funds were using a business account and because my account was a personal account needed to be updated to a business account. It stated that the pending payment of $ XXXX. We should be crediting your account now, but funds coming from a business account are pending until the following steps is applied so it cant be credited. We need you to contact the buyer to send in the amount of XXXX XXXXXXXX to your Zelle account so that your Zelle account can be changed to a business account and be credited immediately with XXXX XXXX.Then XXXX XXXX stated that he send the {$300.00} and I had to guarantee him that I would send the {$300.00} fee back to him. Which I did. I was unaware that I was being scammed. I sent the money back from my account on XX/XX/2023, but had a feeling after all the back and forth from XXXX XXXX. I contacted my bank about this being a possible scam.On XX/XX/2023, I received a letter from XXXX stating that there was no error. Also that based on Zelle terms of service agreement or payments for goods, or services. They declined to return the money and that should try to make the effort to retrieve my money from the buyer. I tried to contact the buyer via Zelle making a request for return of funds only to find out that the recipient isnt eligible to use Zelle any longer and to contact the recipient to verify the information is correct. I know that the information is correct as they used the same information to send my money to recipient. At this point I am not sure how to proceed and {$300.00} is a lot of money for me to lose due to this type of scam that seem to spoof XXXX information.
Product: Mortgage

On XX/XX/2016 I was going to settlement on a beach property. My daughter and son work in XXXX and this would be my wifes XXXX summer there. Suntrust XXXX XXXX at XXXX we went to XXXX XXXX And XXXX XXXX was third party to over see signing. XXXX. XXXX told my wife an I we would not be going to settlement. XXXX said she did not have a disclosure from sale of my condo, taxes were not pre paid approx XXXX, and we owed XXXX XXXX XXXX and XXXX XXXX from were XXXX funds were coming from. After XXXX hours of calling XXXX XXXX in the Suntrust XXXX office she told me right away she was calling her legal dept. At Approx XXXX XXXX her boss and XXXX in XXXX Va did a XXXX way conference call. XXXX XXXX XXXX explained it was a problem. I needed XXXX approx in XXXX cashiers checks to close that no one told me about. Went I brought up the word Attorney Suntrust Bank XXXX XXXX and her boss hung up. XXXX at XXXX said XXXX XXXX I know who you are and Suntrust did you wrong. XXXX XXXX at XXXX XXXX said I have never seen anything like that. I then reached out to XXXX XXXX at Suntrust who offered me XXXX to close this issue. XXXX XXXX of the Suntrust resolution team offered me a XXXX in writing to drop it. I am out XXXX and XXXX at XXXX dropped her loan fees saying this was wrong. XXXX XXXX at Suntrust told myself and XXXX XXXX my partner they were wrong. XXXX XXXX phone XXXX. Also XXXX XXXX was my loan processor at Suntrust and on Tuesday at XXXX. she said she would have XXXX XXXX call me which never happened. This was the Tuesday prior to the Friday XX/XX/2016 settlement date. I found out later about the 72 hour no changes to loan law. Suntrust played me like a fiddle. 
I need your help XXXX XXXX XXXX Suntrust offered me XXXX then XXXX to settle after this incident. They said I was approved to {$200000.00} and XXXX XXXX told me the settlement would be adjusted.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : PLEASE CORRECT & UPDATE MY CREDIT REPORT TO CURRENT : XXXX XXXX XXXX XXXX  account : XXXX, UPDATE MY REPORT TO CURRENT! In accordance with the Fair Credit Reporting act XXXX. This is a very serious matter of going against the fcra. According to the law you have to update ( XXXX XXXX XXXX XXXX  ( TOTAL VISA CREDIT CARD ACCOUNT ) to current. The last time this account was reporting according to Equifax records was XX/XX/2023 in the month of XXXX. As I am writing this today, today 's date is XX/XX/2023. It has been over 3 month 's since this account XXXX XXXX XXXX XXXX  account : XXXX has been reported. You have violated my rights and have failed to update this account and report my account on time. According to the FCRA you are suppose to update my report every month when the credit card company reports, but you Equifax have failed to update my report to current. I have spoke with XXXX XXXX XXXX XXXX and they said they have been reporting since XXXX all the way to the month of XXXX, but when I check my credit report, the last report date is XXXX. Please correct this error. This is Defamation of Character and if you do not update my credit report with TXXXX XXXX XXXX XXXX account : XXXX I will sue you in court for Defamation of character. 

PLEASE UPDATE MY ACCOUNT BELOW : UPDATE MY REPORT TO CURRENT : XXXX XXXX XXXX XXXX account : XXXX, UPDATE MY REPORT TO CURRENT! 



Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon examination of my credit report I found an item listed to   XXXX   XXXX    i n the amount of {$520.00}. I disagree with the item and so sent a letter via certified mail on   XX/XX/XXXX  requesting validation of the debt bearing my signature. Thirty-three days later they responded by sta  ting that the debt is valid but still failed to provide via ble evidence bearing my signature to validate the debt ( they instead attached a copy of a bill, which does not prove that the debt was mine ). Their failure to provide this information is a direct violation of the Fair Credit Reporting Act and is illegal in that they are knowingly reporting information that can not be validated.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take the 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 losses ; I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have a credit card with XXXX XXXX XXXX that Citibank services. 
In XX/XX/XXXX someone fraudulently used this account. 
I was notified that my payment was overdue and was referred to Citibank. 
Citibank investigated and notified me in XXXX or XX/XX/XXXX that they had confirmed the fraudulent activity on my account. 
The fraudulent charge was removed from my account. 
HOWEVER, Citibank has consistently failed to respond to my requests to remove the " delinquent payment '' on this account from my credit report. 
I have called countless times and have filed multiple appeals. The response is always the same. I am notified by XXXX that this was a delinquent payment. 
After a YEAR, nothing has been done to correct this error. 
I was recently notified by my auto insurance company that my premium has been increased because of the delinquent charge that shows on my credit report! 
I called XXXX and was told that the XXXX XXXX charge is STILL on my report. 
This error is continuing to have a negative effect on my credit, and it is costing me! After one year of Citibank 's refusal to correct this problem, I am ready to file a complaint against them. This has gone on FAR too long!
Product: Vehicle loan or lease

XXXX finance after making a clerical error marked the car as paid off once reinstated, we were given a new account number and told that it would not be delinquent going forward Since they were sending our payments back from their clerical error and now Im being told that XXXX did a rewrite without us knowing and changed the terms and the monthly payment and repossesed the car I need this removed from credit report XXXX is fraudulent. Credit report shows a new monthly payment that we were not told anything about
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information for XXXX XXXX XXXX XXXX. 

Reporting on XXXX # XXXX {$500.00} Status Date/XX/XX/XXXX No Last Date of Activity Reporting on XXXX XXXX/XXXX   Investors # XXXX {$500.00} Status Date XX/XX/XXXX No Last Date of Activity Reporting on Experian XXXX XXXX # XXXX {$500.00} Status Date XX/XX/XXXX and reporting as a Charge-off with a balance. 
No Last Date of Activity Per the FCRA 611 this is information must be accurate and consist across all bureaus. 

Please Delete ASAP.
Product: Credit card

I am urgently appealing for the removal of this mistaken late payment from my account. My consistent track record of timely payments contradicts this entry, which is causing me unnecessary worry and distress.
Product: Payday loan, title loan, or personal loan

I made a purchase of {$430.00} using Affirm which let me make payments over time. About a week or two later I ended up losing my job due to them cutting back because of Covid-19. I called Affirm and let them know my situation and they let me know that I wouldnt be charged late payments. I stayed in contact with them for about the next 3 months, even with my phone disconnected ( yes it got that bad ) ..Fast forward to XX/XX/2021 and I get an e-mail stating that my account was being charged off. I called them immediately and was on the phone for about 30 minutes stating what happened. I spoke to an agent who asked if I could pay anything that day and I would not have to worry about the charge off if I made another {$100.00} payment the following week. I let him know that I can make a {$100.00} payment I just could not afford to have a charge off on my credit which I am currently rebuilding how I can. I check my XXXX  credit report on XX/XX/2021 and I see it was reported on XX/XX/XXXX which is the SAME DAY I made arrangements so it would not be charged off. Ive called them repeatedly today and even stated that I can pay it off in full today with a Pay For Delete. I literally am trying hard to survive and it really sucks that a company says well take your FULL payment, but its nothing else we can do when its a complete lie. I will not recommend anyone to use Affirm. Just save up the money for what you want or dont purchase it at all. This really does XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complain because Bmw financial services has reported and inaccurate 30 day late for XX/XX/2018 to my credit report which has made my score drop drastically. During this time I had reached out to Bmw financial services to explain my situation. I explained that the autopay should be cancelled because my checking account information was compromised. I was not able to make any payment online or over the phone. Representatives at Bmw financial services explain that I could only make a payment using XXXX XXXX. I did so. Shortly thereafter while checking my report, there was a 30 day late reported to credit Bureaus making my credit score drop drastically. After speaking with a representative the understood and told me to dispute it. This is my 3rd loan with Bmw financial services and I have never been late. And also before this I had 100 percent payment history with all of my accounts. Please remove this late payment so I could continue my payment history at 100 percent. It was a misunderstanding between Bmw understanding to not pull out of an account thats was have unauthorized transactions taking place. Please help me and remove this XXXX late payment. It is incorrect.
Product: Checking or savings account

I was setting up a XXXX stock trading account. PNC would not allow me to link my bank account so that I can transfer funds.
Product: Credit card

I have Frontier Airlines and a JetBlue credit card through the credit company Barclays. 
Both cards have raised rates without claiming they are linked to the prime rate. The current prime rate sits at 5.5 % and the cards are charging 29.99 %, in excess of New York State usury laws ( PL XXXX ) of 25 % How can a company get away with charging 24.49 % over the prime rate? Add to this the fact that they add fees and this puts the actual amount charged over 30 %. which violated Delaware State Law How can the federal government allow interest rates like this across state lines? 
And the Frontier card recalculated the way their bonus program works, causing me to lose my flight benefits. 
The interest rates these companies are allowed to charge are simply to high and the pressure to pay these exorbitant rates creates a condition of compulsory service against my will with threats of legal coercion, thereby violating U.S. Code Title 18, Section 1584, Part I, Chapter 77.

When I called to lower the interest rate and negotiate, they just said it was tied to the prime rate and there was nothing they could do.