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

XXXX, Experian XXXX XXXX continue to report incorrect information on the account listed as XXXX there is a late payment reporting for XXXX but not the other consumer agencies. This can not be as the account must report accurately across the board. Remove the late payment immediately or provide the evidence XXXX used to determine the late payment. 
( 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.
Product: Checking or savings account

My name is XXXX XXXX. 

I have a checking account at the HSBC USA ( XXXX ). On XX/XX/XXXX I logged in and realized that many unauthorized payments and transfers were made on XX/XX/XXXX and XXXX. without my knowledge for around XXXX XXXX dollars. 
I reported it to the bank, and they freezed my account. 
Since then I couldnt reach a customer service rep. And no communication received since then. 
I really dont what else to do, my account and my money have been freezed for 2 weeks and nobody from the bank seemed to care.
Product: Credit card

My account number with Kickoff XXXX, I opened my kikoff account back in XX/XX/2023, we have a current issue, I setup autopay for my Kikoff account during XXXX XXXX XXXX, and my bank was supposed to send Kikoff automatic payments, however I come to find on my credit report with XXXX, and XXXX that there was a 30 day late payment, this is not accurate and false and it needs to be adjusted immediately, my bank was supposed to issue that auto pay to Kikoff and it seems they didnt receive it, upon contacting my bank they said it could be because the account number is in letters and numbers and the system could have had issues sending it, they also mentioned that kikoff could have not received the payment because there under another bank etc. Whatever the case may be, I made my payment to Kikoff and once the issue was discovered I immediately made prompt payment once I discovered the issue. 

I request of kikoff to adjust this late payment thats inaccurate with the credit bureaus and to please fix there systems with auto payments so this doesnt happen again! 


Account # XXXX
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 violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution 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: Credit card or prepaid card

I have a XXXX XXXX credit card issued by Chase. The card was advertised heavily to offer one free checked bag per person when the card is used to purchase XXXX tickets. Several times XXXX has required me to pay to check the bag, but has then refunded the amount I paid. For a trip in XXXX, however, XXXX refused to refund the amount ( {$150.00} ). I tried to dispute the amount with Chase, but they will not let me file a dispute, since I agreed to pay the charge when I checked the bag. Yes, standing at the airport with a large bag an hour and a half before my flight, I agreed to pay the charge ( because I had no other choice ), and assumed it would be refunded. Chase insists I have no recourse with them, even though it was their advertisement of the incentive of free checked bags that caused me to apply for and use their credit card. The flights were on XXXX XXXX, XXXX  ; my husband and I were each charged {$75.00}. I have talked to Chase on the phone and tried to file a dispute through their web site. ( XXXX agrees that I was not supposed to pay for the bags, but they issued a travel credit for {$150.00}. I have told XXXX I don't want a travel credit, I want a refund, but no-one at XXXX seems to have the authority to reverse the travel credit and issue a refund. )
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN : XXXX XXXX CEO of KIKOFF LENDING , LLC has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by KIKOFF LENDING , LLC before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or KIKOFF LENDING , LLC to furnish any late payments to my consumer report. It is my belief that due to KIKOFF LENDING , LLC business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
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. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on LENDCLUB BNK. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1692c - Communication in connection with debt collection ( A ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( A-1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; ( B ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

15 U.S.C 1692b acquisition of location information 15 U.S.C 1681 section 604 a -2 : States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 section 602 a : States that I have the right to privacy. 

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: Debt collection

I was getting some service with a green sky loan. I did not receive all services, yet they billed for them. They have been on my credit since XXXX. I have tried to dispute the charges. I though it was a loan up to amount. If used. They just billed for max amount. There is a lawsuit on Greensky for this exact problem. I believe I happen to a victim of these inaccuracies other consumers have complained about.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX posed as bill consolidation loan companies, Debt was not removed from credit and repaid, and issues letters to sue and place liens on property..
Product: Student loan

I graduated law school XX/XX/XXXX. While in my last year of law school, I consolidated both my XXXX loans and graduate loans to lock in a 5 % interest rate. XXXX XXXX was the original servicer of my student loans up until my account was transferred to XXXX around XX/XX/XXXX. From XXXX to XXXX, XXXX XXXX would place me into forbearance if I was unable to make my student loan payments. Starting in XXXX, XXXX XXXX begin to email me about XXXX XXXX XXXX options. I filed and was approved for XXXX in XXXX. In XXXX, I received notice that my account was again being transferred to Aidvantage for servicing. In XXXX, when I was struggling to repay my student loan under the XXXX program, a representative recommended that they change my XXXX program to XXXX as opposed to the XXXX I was under in order to lower my payment. I asked if I would still get credit for the previous months under the XXXX that I started and was told YES. I inquired early this year to see how many payments I had towards my loan forgiveness. To my surprise and dismay, the clock was RESTARTED in XXXX and all of my historical payments were wiped away from my account history. I also learned that XXXX became available in XXXX, however, I had no clue and was not able to take advantage at a much earlier time period and have suffered financial harm due to XXXX XXXX, XXXX and Aidvantage 's lack of transparency about my payment options and payment history. I feel extremely misled and believe such misrepresentation is egregious. I am seeking cancellation of my student loans that have been mismanaged by XXXX XXXX, XXXX and/or Aidvantage. Lastly, I have had to put in at least XXXX different requests through XXXX for someone to provide to me a historical account of my payment history. My last attempt was on XX/XX/XXXX and the Aidvantage representative stated that she apologized as my previous requests for additional information were never processed.
Product: Credit reporting or other personal consumer reports

I requested a copy of my credit report and to see that there were accounts that didnt belong to me so I contacted my bank and had them to freeze my accounts until further notice
Product: Credit reporting or other personal consumer reports

I am formally disputing the accuracy of the following account ( s ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within 30 days or remove the account from my report.

1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX 4. The following personal information is incorrect Account Number : Employers : XXXX XXXX
Product: Credit card

Paypal credit is by far the most predatory credit service I've ever used, and avoiding extra charges requires a level of vigilance that is downright impossible and unfair. I always made the minimum payments required to " avoid standard deferred interest ''. It's a checkbox you can select on their own payment screen. Yet somehow, on XXXX separate occasions, I was charged a total of {$160.00} in interest. There is XXXX information or transparency available in my statements, transaction history, or anywhere else to see how the interest is breaking down or being applied. 

I also regularly scheduled payments before due dates, only to have them disappear and get charged a late fee anyways. The most recent example was this month. I scheduled a payment on XXXX and it never went through. Also, the late fee is applied ON the due date and not after, so they don't give you a fair window to pay your bill. I was charged for XXXX separate late fees totaling {$200.00}. They refunded XXXX late fee after my first complaint so the total is {$160.00}. If I tried correcting unprocessed payments and running payment again to avoid late fees I'd get double charged. Obviously, the service is set up to make you fail because late fees are where they make their money. 

Overall, on a service that was supposed to be 0 % interest " same as cash '' I was unfairly charged {$320.00} in interest and late fees. I have closed my account and felt obligated to report these blatantly obvious, profit-seeking, and scammy practices. Unbelievable coming from companies as huge as XXXX and Synchrony bank.
Product: Credit reporting or other personal consumer reports

I believe incorrect credit reporting and things that should be removed
Product: Credit reporting or other personal consumer reports

I am writing to formally request a correction regarding the late payments reported on my credit report for account number XXXX XXXX. The late payments have been incorrectly reported by XXXX and XXXX. 
In accordance with the legal principle " Notice to an agent is notice to a principal, and notice to a principal is notice to an agent, '' I would like to bring to your attention the following legal provisions : Under 15 U.S.C. 1681a - Definitions ; Rules of Construction : Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports that contain only information about transactions or experiences between the consumer and the person making the report.

Based on this, you do not have the legal right to report my transactions and experiences, as the law clearly states that such information is excluded from consumer reports. 
Additionally, the only way a creditor can report a payment as late is by following the provisions of 15 U.S.C. 1666b - Timing of Payments : Timing of payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by Section 1637 ( b ), is sent or delivered to the consumer at least 21 days before the payment due date.

To treat a payment as late, a creditor must provide evidence that : The required information under 15 U.S.C. 1637 ( b ) was sent or delivered at least 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Apple Card/GS Bank USA account appeared on my credit report which I never used. I never owned any Apple Card under my name. I contacted the creditor Apple Card/GS Bank USA to know about this account and they advised me to report about the identity theft and apply to dispute that account to all credit bureau ( which I did ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the accounts on my credit report, they are not mine and I have not authorized them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Student loan

I deferred my loan through Nelnet and I was told everything was fine and had nothing to worry about. The next thing I know I'm now showing 10 late payments over 10 different accounts. The company refuses to remove the late payments.
Product: Mortgage

My reverse mortgage was transferred from XXXX of XXXX GA to Champion Mortgage of XXXX MI and XXXX TX on XXXX XXXX, 2015. Since that time they have requested and I have sent them Occupancy Certificates and Property Insurance documents that XXXX never asked for. Now they have just sent me a mailing that looks to me like a marketing scam except that the heading claims that I am in default. It mentions solutions that will terminate the mortgage but never says why the mortgage is in default. I think I have satisfied all the requirements of the mortgage contract. I want to get your assessment of the situation before I ignore or contact them by phone or mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft and keep receiving notification about a fraud account that does not belong to me I submitted a report over a month ago please see attachemnts
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in Late 30 Days and Late 60 Days to be removed.

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

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


XXXX 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: Debt collection

Great Lakes Have a attempted to collect a debt that has been deleted from my credit report. The original owner of these accounts was XXXX XXXX. This XXXX XXXX debt was deleted from my credit report. This is ruining my credit and it is violating my rights as a consumer.I sent a letter in XX/XX/2019 asking who was the the original creditor and what was the original account number. They have taken my income tax in the amount of XXXX and I want this money refunded back to me.
Product: Credit reporting or other personal consumer reports

Under the laws of UCC article 9 as well as State statutes a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time were adhered to. the creditor did not follow the proper procedures and failed to notify me of anything concerning this appropriately. My rights have been violated.

also, My gap insurance covered this auto loan in full. This violates the Fair Credit Reporting Act 15 U.S.C.1681Ba3 ( C ) furnishing reports in connections with creditor insurance transactions that are not initiated by consumer. 
I have also asked for a purchase order agreement between the debt collector and the original creditor. I have asked for this alleged debt to be validate and verified with other documentation and i received nothing. and these credit reporting agencies are reporting this information to my credit report without being provided any verifiable proof or documentation requested and in question and this is a violation i am demanding a swift deletion and i trust that the CFPB will investigate and address these infractions.