23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Received loan on XX/XX/19 with biweekly installment payment terms. Changed banks in XXXX. Took me a full month to get any assistance from customer service to update my banking info so that I can continue to make payments. Finally it worked. In XXXX of XXXX, the company stopped debiting my payments but continued to debit my " membership fees '' ( a requirement if you have a loan ). I have been contacting this company daily ever since and only getting automated messages to update my app and re-add my banking info, which I have done repeatedly. Nothing works and I can not get a live person on the phone to save my life. I started emailing in XXXX as well as calling, I have attached screenshots of my sent emails to them as well as the content of one of those emails, and still no response or action was taken to help me.This company is now reporting me as defaulting on my loan and respond to my disputes no problem but still can not address the issue with why they can debit my account for membership payment but not loan payments. I tried to pay the loan in full so that I can be done with this company once and for all, and they never processed that payment either and still will not respond to me or answer my calls. Meanwhile, on their website, it shows my loan is paid in full, yet I know it hasn't been and they continue to report me for non payment.
Product: Checking or savings account

Joined capital one 360 XX/XX/2024 and deposited {$92000.00} and got an interest of {$320.00} on XX/XX/2024 and by XX/XX/XXXX, I had a total of {$98000.00} and received an interest of {$300.00} and XX/XX/XXXX, had a total of {$100000.00} and received an interest of {$310.00}. The interest kept dropping to a lesser amount no matter how much I increase my funds. I believe I am being robbed or cheated out of my interest!
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages.

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

Please remove, block or provide me with your investigation results in written form through the USPS for this account : XXXX XXXX XXXX  XXXX XXXX
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 involved in the process. Upon reviewing my updates, incorrect personal pieces of information were 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 incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

I received a promotional offer flyer while on an XXXX XXXX flight during XXXX of 2022. This flyer pertained to the Barclay 's AAdvantage Aviator Red World Elite Mastercard with a unique promotional code inside that was advertised for a {$0.00} first year annual fee. 

I signed up for Barclay 's AAdvantage credit card using this promotional code but was still charged a {$99.00} annual fee. When I brought this up to the company I was told they would not be able to honor my promotional terms because the code was not correctly used. The language below is a quote from their support team. 

" We understand your concern and apologize. The offer will vary slight according to each application channel. Cardholder have to applying using the correct code or they will not receive the correct offer. We apologize for the confusion, and hope that we've been able to clarify the situation. 

We are unable to change the original offer that you were approved for due to Federal regulations that state we can not change the terms of our customer accounts within the first 12 months of account opening '' However, I can confirm that I did use the promotional code and still have kept my promotional flyer to this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX has violated my rights. 

15 US 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$4000.00}
Product: Debt collection

Debt collection is an inappropriate action concerning dispute over rental agreement w/ early termination. There was no language in contract specifying termination conditions ; nonetheless we provided significant compensation and provided plenty of advanced notice. North Carolina law stipulates that property owners must make a good faith effort to rent property, but the company immediately notified us that they wanted to charge us an additional {$1400.00} above the {$5000.00} we offered as an early termination fee due to the fact that I was unemployed, having been laid off by my company. Property management company never followed state law, nor lease agreement attached, in executing a demand we pay {$1400.00} without any attempt to rent the property and before we had vacated premises. Therefore, company had no legal right to forward their unlawful request to a debt collection agency as their had been no extension of credit in this case. Research on our part has found the debt collection agency, Hunter Warfield,  has been cited in numerous complaints around the country for questionable debt collection practices.
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, and Experian have failed to provide any proof at all of validation of the accounts below according to federal consumer laws. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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 and other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft BK OF AMER Account Number : XXXX This is not mine.

2. Identity Theft BK OF AMER Account Number : XXXX  This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts I have input in this report are not my accounts. Please remove them immediately. Thanks.
Product: Mortgage

Client has applied for a modification through US Bank and all of the requested documents have been returned in an timely manner.  However, to date US Bank is still requesting the same documents over and over and saying that the documents are expired.  Reason being is because the keep the documents until they expire.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine U.S. DEPARTMENT OF EDUCATION Potentially negative Date opened XX/XX/2017 Balance - Status Collection account.
Product: Credit reporting or other personal consumer reports

The Department of XXXX XXXX XXXX : via Equifax XXXX XXXX inaccurately and fraudently reporting inaccurate information on my consumer report. Specifically : they are reporting several 90 day late payments in a 30 day period ( month ). they are reporting XXXX, XX/XX/2018, XX/XX/2018 as 90 days late for the month. that is impossible to be 90 days late in a 30 day period. I am asking for documents that verify what they are reporting on my consumer file or UPDATE to PAID OK.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been and on-going issue with XXXX, XXXX and Transunion as for my attempts to correct information on all three of the credit reporting agencies. They have allowed several unknown persons to change my personal information and have my mail sent to them. All of which I did not give consent to the credit reporting agencies, nor was I aware of the new address changes until XXXX, when I started trying to get my credit in order, only to find many questionable items on my reports. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate, listings of past due payments, collects dates, late payment all of which are inaccurate and unlawfully on my report. All three credit reports have completely different information listed on them. This is clearly grounds for removal they also violated my rights under XXXX XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit reporting agency took more than 30 days to complete my investigation on these accounts : 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: Credit reporting, credit repair services, or other personal consumer reports

It has been over a year since I've tried to reach out to these companies about validating the information reporting on my credit report. Can you please help me resolve this issue. It has been interrupting my life and holding me back. Thank you.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that you will investigate this account for me to ensure accuracy Here are the accounts I am asking you to verify as accurate : ALL XXXX XXXX ACCOUNTS
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX the company has always been in good standing, and I have never been late with a payment. I have a stellar payment history with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, with all payments set up on Autopay. The reported late payment is due to a systematic error on their part in processing my payment. This is a clear billing error by the company and does not reflect my actual payment history, which is a violation of USC Code 1681eb. This mistake has significantly harmed my reputation, character, lifestyle, and family. I demand that the late payment reported in the specified months be removed. The company is not in compliance with 15 USC 1666b, which outlines the requirements for treating a payment as late. They reported my payment as late without following the law. According to 15 USC 1666b ( a ), a creditor can not consider a payment late if they have not adopted reasonable procedures to ensure that each periodic statement, including the information required by section 1637 ( b ), is sent to the consumer at least 21 days before the due date. The company failed to send the periodic statement and the necessary disclosures as required by section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date in good faith pursuant to rule 1002, but this proof was never provided. This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. Please remove the late payments from my consumer reports.
Product: Debt collection

I have no idea where this debt is originally from? I had never heard of a company by this name. I haven't owned a home for over 15 years and it was a short sale with XXXX XXXX XXXXXXXX and 3 years before that totalling 18 years ago. This making it impossible to rent a place at XXXX years of age and XXXX from XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I tried to solve a problem with my XXXX account. This account had a limit in the XXXX of {$500.00} where it shows me that the XXXX XXXX XXXX was {$2000.00}. I have disputed this account on several occasions with the company and the agencies that show the report, giving me a negative response to my requests and demonstrating that the information is correct and accurate. I will then present a series of errors presented by the account so I demand according to the FCRA statutes that it be removed from my credit report as soon as possible and that the information sent here is taken into account and do not send me a letter again telling me that I am not authorized to file a dispute as they did at the time Previous by this means. 

First the account shows 33 months in review and in the payment status does not show the same amount this information was disputed and for its effects as you will see in the attached images they placed that the months without review are not checked they only have a CA that was made in XX/XX/XXXX the last report. but the account its last date of activity was in XX/XX/XXXX, as if that was the last date of activity of the account presents then 8 months of report showing information that can not be verified, then it shows that 33 months were reviewed but the account says to be closed on XX/XX/XXXX, XXXX and then it shows me 6 months of payments per day and the information again inaccurate and incorrect. 

As an account with a limit of {$500.00} it can have a balance of {$2000.00} exceeding the limit of the XXXX by 400 %, kindly requesting that it is an account that presents a number of incorrect information and that shows an analysis of months and does not present a complete or verified information I kindly ask that a re-investigation be carried out since unfortunately it shows indifference in all credit agencies in XXXX shows that the account presents a late payment only in XXXX and XXXX and that in XXXX the account was closed without having any new history, in XXXX it shows that the months are XXXX and XX/XX/XXXX, and in Equifax it shows XX/XX/XXXX XX/XX/XXXX and then XXXX XXXX and XX/XX/XXXX where by XXXX the account was already closed.
Product: Money transfer, virtual currency, or money service

I was trying to link my PNC bank account to the XXXX XXXX app which uses the program " XXXX ''. it keps telling me there was a problem processing my request and that the account could not be connected at this time. 

Later on in the day, i went to use my XXXX app to send a colleague some money. XXXX just started using XXXX as well, and once again did not let me connect my bank account to my app. 

after this, i tried calling PNC bank customer service, and they told me it had to be a third party problem. this is the only place i could think of to come to try and resolve this. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

the bureaus are reporting an account that i paid off as late when i have a letter directly from the creditor stating that i was not late
Product: Student loan

My original servicing loan provider sold off my loans to Aidvantage this past summer in XXXX. I have not been able to resolve outstanding problems that I was experiencing with my original service provider before my loans were sold to Aidvantage. Since Aidvantage has become my service provider, they are unable to help with my former issues and they have not provided resolution to my concerns about payments. At this time Aidvantage has not provided me the transparency and payment detail of how my monthly payments are being applied, how interest is being calculated, and how additional payments that I am making are being handled ( i.e. is this applied to principal before next monthly calculations )? To not have transparency or understanding the math behind their payment calculation is raising concerns with being overcharged with interest and not getting the benefits of paying down principle with additional payments. I have made multiple inquiries in the past couple of months and no one has provided me a response. I do not want to not pay my monthly payments and further incur higher interests, but I am a captive to their lack of response.
Product: Debt collection

Was told by American Education Services that I could write to XXXX bank to reduce my monthly payments to a more affordable payment amount. I submitted a letter then was told by another representative that XXXX doesnt not work with people to lower payments. They want to charge me XXXX per month for my student loans of XXXX. The amount they want to charge me inhibit my ability to pay off other debt too. I am also a single mother-divorced and left to pay all divorce debt. Need them to work with me on more reasonable payments ... even reducing by XXXX or XXXX would help. XXXX lowered my payments from XXXX a month to XXXX a month.
Product: Mortgage

This is my SECOND complaint filed against LoanCare regarding illegal and unethical escrow account practices. The first time around, LoanCare was illegally maintaining an overage of {$8000.00} in my escrow account as of XX/XX/XXXX after my XXXX taxes were paid. They did issue a refund ( finally after multiple complaints and a CFPB complaint filed. However, they refused to lower the monthly escrow amount. My property taxes are no where near the estimate of {$7500.00} their reps insist they are. XXXX taxes were based upon land only, but I have since received a tax estimate that I sent to LoanCare and they completely ignored. I requested, in writing, another escrow analysis more than a month ago, and did not receive a single response. They were scheduled to do an escrow analysis in XXXX as well and did not complete either. I have left messages and have gotten no response. Nothing! This company is running a completely unethical business and their practices regarding escrow accounts are illegal. After the crisis that arose in XXXX, and the subsequent regulation and legislation that went into effect, I am shocked that LoanCare would even dare to attempt to commit escrow account violations. Consumers have rights, and they simply can not be allowed to ignore their clients and illegally benefit off escrow slush funds. Laws are in place to prevent this. Why and how LoanCare continues to get away with illegal escrow account practices is beyond me.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX  XXXX