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

I have a loan with XXXX XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and XXXX XXXX/XXXX  with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

State Farm Bank did an unauthorized hard inquiry on my credit report. I called State Farm Bank and made them aware on their mistake. The hard inquiry is still on my credit report.
Product: Checking or savings account

MY BANK WAS OVERDRAFTED {$1200.00}. By XXXX I was hacked and the money was taken from my bank account now I'm overdrafted that amount I contacted td bank as soon as I saw this and filed a dispute td rejected my dispute and so now I'm here I did make those charges I don't know how my bank allowed this to happen when the funds werent even there to cover the charges I am distraught.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a XXXX  at XXXX XXXX XXXX  XXXX XXXX XXXX in XXXX and successfully completed a leasing agreement with XXXX XXXX XXXX on XXXX XXXX XXXX in XXXX XXXX . Years later when I checked my credit report, I found they had reported a Predatory Collection ruining my credit score by claiming I owed them {$2800.00} and sold the claim to a collection agency. I had 3 roommates during this time and there is no way after completely paying for my 12 month stay, that I can be charged another {$2800.00}. XXXX XXXX XXXX  today states they have no record of this claim but fail to correct the falsified report against my credit. This is a scam that needs to be investigated to see if this is tied into the XXXX XXXX XXXX system and if other students have experienced the same predatory practices. How much is XXXX XXXX XXXX  getting paid to sell inflated student debt to third party collectors who put pressure on students with locking up credit reports.
Product: Credit reporting or other personal consumer reports

I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by the consumer, this must be provided with in15 days in order to comply with FCRA guidelines. Attached you will find the first request for debt validation. Due to the data breeches that have been running around I and the information that I do not know about please validate the following alleged debtsXXXX 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

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 

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: Credit reporting, credit repair services, or other personal consumer reports

15 U.S Code 1666b ( a ) was not followed at all. ( 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. All of my statement dates that has been EMAILED with this information are well over 21 days BEFORE my payment due sate which is the XXXX of every month so in which none of my payments should be counted as late. This is the law i did not just make this up.
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 be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I checked my most recent credit report and noticed several accounts that I believe were added without my authorization. These fraudulent accounts must be blocked and removed immediately.
Product: Mortgage

In XXXX, I had experienced a loss of income and got behind on my mortgage with 5/3 Bank. I applied for hardship assistance with them. I was instructed to make three monthly trial payments for XXXX, XXXX and XXXX, which I did. I was told that once I successfully completed the trial period, I would be approved for a modification and sent the documents to sign. When it came time to make my XXXX payment, I still had not received the documents. I called 5/3 Bank to find out the status. They told me to continue paying the trial payment amount until I received the documents, which I did. I finally received the documents in late XXXX. We signed them and sent them back. Our packaged was received and signed for by 5/3 Bank on XX/XX/XXXX. We have since made every payment under the new modification. It has been over three months and they have not updated my account correctly. They were even charging my account for property inspection fees after they had received my signed modification agreement. They are still saying we have a past due balance and we do not. My account should be current under the modification. Every time I call there, I get the run-around and nobody seems to know what is going on or is able to give me accurate information. Whenever I ask them for receipts or confirmations, they say they aren't able to send them. I even had to get XXXX XXXX 5/3 Bank 's investor involved.
Product: Mortgage

Loan Depot.Com opened a fraudulent loan application for a stranger named XXXX XXXX on my personal property. XXXX XXXX does not live at my address and has never lived here. 
On XX/XX/year> XXXX by the name of XXXX XXXX came to my property to inspect the my home because XXXX XXXX because they requested an XXXX for refinancing a loan. I explained that I am the owner & no one lives here by that name. I told him to check the other building I told XXXX that XXXX XXXX does not live here and never lived at my address. 
Several weeks later I received Loan Disclosure forms package addressed to XXXX XXXX from Loan Depot.Com then in XX/XX/year> I received a new Loan Disclosure forms package in the mail from Loan Depot.Com addressed to myself with my full name on the cover letter but inside it was addressed to XXXX XXXX but requesting that I sign these forms. 

I was shocked and afraid because I did approve this loan and I just purchased this property from a elderly owner. 

I know this is FRAUD and I need help to file charges or PLEASE CANCEL this loan immediately and demand that my personal info be deleted from there system. Please request Loan Depot.Com CEASE AND DESIST. 

The Loan Disclosure forms package listed several people to contact. at XXXX XXXX. 

Lender Name : Loan Depot LLC XXXX XXXX XXXX ID # XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Settlement Agent Name : Closing XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Name : XXXX  Appraisal Services XXXX XXXX XXXX
Product: Student loan

It all started in XXXX XXXX. I had been paying my student loans on timely since XXXX, I had never missed a payment. I had not missed a payment because I had my student loan setup through XXXX as an automatic reoccurring payment. Sometime in XXXX I logged in through my AES account and saw that I could save an additional .25 % on my loan if I setup the automatic debit through AES. That XXXX I went ahead and tried setting up the automatic debit. As to not pay the loan twice in one month, I cancelled my reoccurring payments through XXXX. The payment was not accepted in XXXX. When I got the email alert I called and spoke with AES customer service. They told me to try again, that there must have been an error. I set this up again and tried again the following month. The same thing happened, some sort of error. Again I called AES and they told me the same thing, to try again, to make sure the account numbers were correct and to try for the next month. I specifically asked if I needed to make a payment, I also asked if there would be a penalty and both questions were answered with a no. Finally I believe in the third month we linked the accounts. Before the success, I spoke with AES on the phone about 4-5 times, every time I was assured that my account was in good standing. After the first automatic debit I logged into my AES account, and I noticed that instead of my rate dropping .25 %, it had increased by over 1 full percentage point. I was horrified. I called AES and they told me I was part of a benefit borrowers program for paying timely. I lost that benefit when I missed a payment. I told them my story, specifically asking them to listen to the recorded conversations I had with their agents. I have not missed a payment since. My husband and I exchanged an email after getting off the phone with AES telling each other that we were, as per the agent, in good standing with no penalties? This email exchange is time stamped from XX/XX/XXXX. When I sent an email to AES, they said I could not talk to the lending bank, that I could only send an email with my concerns. I tried on two occasions, both times I was not awarded my original fixed rate. I feel like I was setup. I had a great fixed rate of 3.5 % and was trying to reduce this to 3.25 %, instead I was setup, told misinformation from their representatives all while trying to link my account and instead ended up with a 4.75 % rate and with the awarded .25 % for the automatic debit I am now at a fixed 4.5 %.
Product: Money transfer, virtual currency, or money service

I had money saved in my XXXX XXXX XXXX account because I needed that money to XXXX XXXX XXXX for a family matter so I try to log in to my account and it was not letting me so I contacted XXXX XXXX customer service support it took me 5 days to get access to my account just too Find out that my account was close and my money was gone I really need that money to XXXX my XXXX XXXX thats the reason I was saving it to hire a XXXX XXXX I try to fix the problem with XXXX XXXX but they refuse to cooperate with me and I am the owner of the account
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing inaccurate MISSING information on my Credit Report. My credit report is completely blank for some odd reason I was a victim if Identity theft late XXXX. 
Mailed about this issue on XX/XX/XXXX regarding this issue they have not responded or taken care of my report. My Equifax does not show any score and is completely blank compared to the consistency of my XXXX reports. 
Equifax have not responded to my issue. I have mailed them all the information needed. Equifax is not consistently reporting my secured installment loans and other open accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

TD RETAIL CARD SERVICE Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in ACCURATELY reporting consumer information It is imperative that this information be reported with utmost accuracy. All my payments are current with XXXX XXXX XXXXXXXX XXXX Account # XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence that is consistent among all reporting agencies. If consumer reporting is found to be inconsistent, I demand that these late payments be promptly updated to reflect all payments are on time. I printed out my credit report and attached it as proof of these inconsistencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my XXXX credit file and saw some unfamiliar accounts on my credit file. I filed an Identity Theft Report with the FTC for my protection. ( Please see attached documnts )
Product: Credit reporting, credit repair services, or other personal consumer reports

Even if you didn't receive Form 1099-C, you must report canceled debt as gross income on your tax return. 
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 
By Definition The IRS Clearly says a Canceled or Charge off is income. The reporting of this account as a debt is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 XXXXXX/XX/XXXX Equifax
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Cash app ( Block inc ) due to inappropriate 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 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 cause significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Vehicle loan or lease

Santander Consumer USA Inc has not only put me a predatory loan that was subprime but has failed to respond to a letter of demand requesting my " Internal score '' that allowed them to give me a loan at over 20 % interest and after 2 years of paying this it has actually gone up somehow. This company was sued by XXXX attorney generals and settled out of court as being the largest subprime auto loan company ever. I did my research and sent a LOD ( Letter of Demand ) with 30 days to respond and they completely disregarded me even though I stated that I will consider it a silent admission of guilt if they do not respond, and if they repossess the vehicle I will sue them for damages. Instead of responding with any information at all, they sent me a repossession letter and a bill saying I owe them {$1400.00} when they XXXX me over in the first place with this loan. Please help me to get them to do the right thing! They have not answered calls or letters about this issue and now are going to attempt to take my car. This company is unprofessional, unfair, and downright abusive. Threatening me when they know they were in the wrong and then treating me like XXXX in the process, I will make sure to let others know how deceptive and fraudulent this company is toward customers that are unsuspecting.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX LEAD BANK and I have had exceptional payment history witH XXXX XXXXXXXX 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 MONTHS REPORTING LATE 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.

This company 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 XXXX 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 reporting or other personal consumer reports

After recently checking my credit report, I noticed that not all positive accounts are reporting across all XXXX bureaus. Listed below are the account 's creditor names and account numbers that are not reported to all XXXX bureaus. Next to it is the bureau that the account is not being reported on. Please have them update profile and fix issue. It is effecting the quality of my credit score due to missing information : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax & TransUnion - XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, don't recognize nor authorized these Hard inquiries. 

XXXX 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 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 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 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 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

I asked the credit report to correct inaccuracies an they didn't! 

In accordance with the FAIR CREDIT REPORTING ACT : XXXX is showing ACC. # XXXX from XXXXXXXX XXXX XXXXXXXX is showing ACC. # XXXX from XXXXXXXX XXXX XXXXXXXX is XXXX ACC. # XXXX from XXXX XXXX is showing ACC. # XXXX XXXX XXXX XXXX XXXX is showing ACC. # XXXX XXXX XXXX XXXX  XXXX is showing ACC. # XXXX from XXXX XXXX XXXX is showing ACC. # XXXX from XXXX XXXX Equifax is showing ACC. # XXXX from XXXX ALL HAS VIOLATED MY RIGHTS 15 USC 1681 602 A States I have a right to privacy 15 USC 1681 Section 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions
Product: Payday loan, title loan, or personal loan

I was approved for the loan with Sunlight Financial for XXXX project. the negotiated price was XXXX. When the documents arrived i saw XXXX as a loan amount. The salesman said it is the interest on the loan added to the project cost. Later i find out that this is a hidden dealer fee charged to the project so Sunlight Financial does not have to disclose in the APR calculations. XXXX  contractor claims he only received XXXX from Sunlight Financial. Several time i have asked Sunlight Financial to provide the proof of payments paid from my loan on my project to the contractor. Sunlight Financial of course refused to provide that information. To my it looks that it is a violation of truth in Lending act, where the lender is not disclosing the broker fee of 30 % Sunlight Financial is charging.