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

Earnin is supposed to lend money out in between pay checks. They get paid back AFTER I get paid. Their policy states that they make sure that they won't deduct money from an account until AFTER a paycheck posts. This is a lie. On XX/XX/2023, they attempted to deduct {$840.00} BERORE i got paid. It cause overdraft fees and extensive stress on my part as they DRAINED my account. 
They also have no legitimate phone number and force customers to communicate via an outdated chat option in their app. I spent 3 hours trying to solve the problem and it took three escalations before anyone UNDERSTOOD that they can't take money out of my account before I get paid. They just said if I get overdraft fees, they would refund me, like that was OK. Supposedly after three hours, they fixed the next deductions to occur on XX/XX/XXXX. 
However, today, I was informed by the app that they would be deducting {$520.00} TODAY, 13 days early!!! Again, the only contact they provide is through their awful chat feature. So i spent several hours and they kept either not understanding ( with pictures provided ) or played XXXX to try to get me to give up my complaint. I had to move all the money out of my account to prevent them from draining my account a SECOND TIME in four days. I had to take off work 2 hours early to deal with their fraud, theft and broken company. I had to take off work and the 6 hours wasted on chat. I repeatedly asked to speak with someone and they refused over and over again.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FCRA THIS CREDITOR XXXX XXXX XXXX  report XXXX HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT PAYMENT ON A LOAN ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE
Product: Vehicle loan or lease

In XXXX of 2023, I agreed to a financing loan through American Finance Llc for a used vehicle purchased through XXXX XXXX in XXXX, DE. I was told that I would be signing a 4.5 year loan for {$14000.00}, and my payment would be {$200.00} every two weeks. I have made payments of {$210.00} every two weeks for approximately 10 months, bringing my total payments to roughly around {$4000.00}. To date, American Finance Llc has only reported less than {$1000.00} as paid on the loan, indicating approximately 70 % of my payments have gone into interest or have not been applied to the loan. Additionally, my credit report was displaying a loan term of six years, which was verbally confirmed when I called and spoke to someone named XXXX. When I initially requested my contract be emailed, I was sent the wrong person 's contract, which is a breach of that person 's information. I was then sent my own after another request, and used that to prove what terms I had agreed to. I have called and emailed several times to resolve these issues. The loan term was adjusted and now shows a five year loan for credit reporting, which is still not what I signed on the contract. Additionally, the payments have not been reflected, and my car is now indicating over {$6000.00} in negative equity because the payments have not been corrected, and this amount should only be approximately {$3000.00}.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an XXXX XXXX  helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Bank of America closed our ( my parents and I ) credit cards without warning.

1. There was no 45 day notice ; no warning whatsoever.

2. The accounts were closed NOT because of inactivity. We have charged the card every month for many years.

3. They would not disclose any reason why it was closed. They simply said " sometimes this happens and it's not reversible. '' 4. They didn't let us redeem our rewards and said they were lost because the card is now cancelled.
Product: Payday loan, title loan, or personal loan

on XXXX XXXX, 2020 I lost my job affected for covid 19 pandemic, I been paying this loan for 3 years alreday, never late and never miss a payment.I tried to make arragements with them but is imposible, I understand is not they obligation but we are leaving with a pandemic and is somenthing no body expect it. I have been working for 18 years and I lost my job. I send them emails, and make several phone calls but they denied support me on this situation. they reported to credit bureau damage my excelent credit and my account is charge off damage my cretit worse. I appreciated any support on this. LendingClub dont apreciated there clients on this pandemic, they send letter and advice to call for help but when you call they say you need to pay what is behing plus late fees and amount is going up every month.I email them but they never answer back.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft due to a data breach. In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete the following unauthorized collection accounts from my credit report : 1. UNAUTHORIZE COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} 2. UNAUTHORIZE COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$870.00}
Product: Consumer Loan

Completed an inquiry with Lending XXXX to refinance vehicle at a lower rate. In return I received XXXX individually credit inquiries which XXXX dofeereny credit unions checked my credit report. As a result my credit score has been impacted and decreased tremendously.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I opened a Venmo account for the purpose of exchanging money with coworkers when purchasing food. On XX/XX/XXXX my coworkers sent me XXXX dollars. After that, Venom suspended my account and I have been unable to use it. After numerous emails with Venmo support, I provided a picture diver 's license. Venmo has requested 90 days of Bank statements. Being an overreach of privacy I refused and provided bank account numbers and Debit card Numbers. To Date, XX/XX/2021 my account remains frozen, with only automated replies to my emails.
Product: Credit reporting or other personal consumer reports

The late payments listed don't match how I've regularly made my payments, so my accounts need to be corrected to show my true payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX, XXXX, and XXXX about two accounts that are reporting on my credit profile without any luck. I recently sent out letters on XX/XX/2023 to all three bureaus notifying them of this and asking if they could open an investigation into the outdated accounts, I still have not heard anything back as of XX/XX/2023. I would love to get this handled as soon as possible and get those my accounts off of my credit profile as fast as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - I sent Equifax a dispute concerning inaccurate items on my credit report. Specifically XXXX XXXX, XXXX, XXXX, and XXXX XXXX . XXXX XXXX is reporting inaccurately because a collection can not list a past due amount or terms. Equifax has failed to do a proper investigation in an attempt to leave inaccurate and outdated information on my credit report. XXXX is also a collection account that is reporting inaccurate information because it is also reporting a past due amount and terms. This is a violation of FCRA and I will seek legal action if this complaint does not yield deletion of this negative information. I think it is ridiculous that the credit bureaus are allowed to report inaccurate information and just believe anything furnished by the creditors. Furthermore, neither XXXX or XXXX funding never validated the debt as required by law and as they would be instructed to do in a court of law ( they would be required to prove they own the debt ). I sent debt validation letters and they never responded. You can not just claim to own debt without proof. Lastly, Equifax is reporting two outdated accounts which should have been deleted XX/XX/XXXX based on the First date of last delinquencies. However, Equifax continues to allow XXXX and XXXX XXXX to report inaccurate late payments, different lates for years and they are reporting this inaccurate information across all credit bureaus. Both of these accounts are OUTDATED and a violation of my rights under the FCRA. THE CREDIT REPORTING TIME LIMIT HAS BEEN EXCEEDED! Stop using that XXXX  system and follow the law! XXXX versus XXXX is case law that states the burden of proof is upon the CRA 's and not the consumer! They have exceeded the 7 year period and I demand deletion! My next letter to Equifax will be from an attorney with an intent to sue if this inaccurate information is not deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not been notified of any investigation results. In the Fair Credit Reporting Act, a credit bureau is required to respond to & complete their investigation within 30-45 days. If they do not respond within that time, they must remove all negative listings that are being disputed. These accounts are inaccurate and have not been validated. By having them on my credit report, it has hindered me from obtaining credit and the ability to get anything in my name.
Product: Checking or savings account

My Wells Fargo business account got scammed for a large amount of money XXXX XXXX XXXX XXXX XXXX through XXXX  i dont watch this account that often because i have like 4 other businesses I would think my money would be safe in this business account but I reached out to the number on my bank statement that the charges were under and they didn't give me any information I called the bank telling them these charges were fraudulent I need a full refund the bank is doing there investigation but from my research Wells Fargo is good for denning claims and not protecting their customers knowing their customer is in the right hopefully the bank keeps their word and protects me and gets my money back.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I made a principal payment of {$9900.00} on my XXXX loan which had previously maintained a perfect payment history. This payment was misapplied by XXXX, leading to a series of systematic errors. In XX/XX/XXXX, XXXX erroneously reported a delinquency on my account, causing my XXXX XXXX to plummet from XXXX to XXXX - a devastating XXXXpoint drop. 
Since XX/XX/XXXX, I have submitted multiple disputes to XXXX, Experian, and XXXX regarding this incorrect delinquency. Despite providing comprehensive evidence, all three credit bureaus have failed to conduct proper investigations as required by the Fair Credit Reporting Act ( FCRA ). 
Evidence Provided to Credit Bureaus Original loan documentation showing 4.800 % interest rate Complete payment history demonstrating consistent payments Bank statements proving the {$9900.00} payment Documentation of unauthorized autopay deactivation Written admission from XXXX Supervisor XXXX XXXX ( dated XX/XX/XXXX ) acknowledging system errors XX/XX/XXXX Account Statement ( showing contractual 4.800 % interest rate ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) All three credit bureaus have demonstrated systematic failures in their investigation processes : Failed to Conduct Proper Investigations : Ignored submitted evidence Disregarded bank supervisor 's documented admission Failed to verify accuracy of reported information Did not investigate payment application issues Provided Inadequate Responses : Sent generic form letters Failed to address specific dispute points No explanation of investigation methods No documentation of findings Violated FCRA Requirements : Failed to conduct reasonable investigations Did not review all relevant information Failed to provide detailed investigation results Continued reporting disputed information without verification Pattern of " Sham Investigations '' : Automated responses without human review Ignored clear evidence of bank error Failed to contact data furnisher properly No meaningful investigation conducted
Product: Checking or savings account

For my account ending in XXXX, SunTrust looked into my recent claim and told me to identify the exact transactions that were fraudulent. I now have the exact amounts and dates so Ms. XXXX XXXX can file the claim on my behalf. I called and they told me they can not find the transactions listed and I have to have someone in the corporate office do it for me. 

The following transactions were NOT authorized, I am unsure who did them and they occurred when I was overseas : XX/XX/XXXX {$930.00} Electronic/ ACH Debit XXXX  XXXX XX/XX/XXXX {$790.00} Electronic/ ACH Debit XXXX. 

XX/XX/XXXX {$1100.00} Electronic/ ACH Debit XXXX XXXX XX/XX/XXXX {$330.00} Electronic/ ACH Debit XXXX XX/XX/XXXX {$1000.00} Electronic/ ACH Debit XXXX  XXXX XX/XX/XXXX {$1500.00} Electronic/ ACH Debit XXXX  XXXX XX/XX/XXXX {$790.00} Electronic/ ACH Debit XXXX 

XX/XX/XXXX {$900.00} Electronic/ ACH Debit XXXX XXXX XX/XX/XXXX {$550.00} Electronic/ ACH Debit XXXX 

XX/XX/XXXX {$2200.00} Electronic/ ACH Debit XXXX XXXX XXXX XXXX  Web Pmts XX/XX/XXXX {$790.00} Electronic/ ACH Debit XXXX
Product: Vehicle loan or lease

I have contacted MBFS several times since fall XXXX about alleged late payments. I explained to them I have been in/out of an operational status on multiple occasions for XXXX, XXXXXXXX XXXX, field exercises, etc. During this time, my automatic payments were not processing properly resulting in an excessive amount of late fees. Despite this, I have continued payments, on occasion paying off these late fees. 

I have spoken to several " supervisors '' previously in regards to this issue, and they assured my all these late fees would be taken off my account due to military commitments, and technical error preventing MBFS from extracting money from my bank account as discussed. This waiving of late fees never happened, or processed.
Product: Credit reporting or other personal consumer reports

I sent a validation letter and I asked credit management to validate the alleged debit that they claim I owe iam seeking help from the crib in this matter
Product: Vehicle loan or lease

THE LENDER OFFER DEFERRED PAYMENTS FOR A ( FEE ). THE LENDER FAILED TO INFORM US WHEN ACCEPTING THE OFFER THAT IN THE EVENT OF A TOTAL LOSS ANY GAP CLAIM WOULD BE DENIED. WE HAD AN ACCIDENT XX/XX/XXXX RESULTING IN A TOTAL LOSS AND WHEN I CONTACTED GM FINANCIAL TO INFORM THEM I WOULD BE MAKING A GAP CLAIM THE REPRESENTATIVE INFORMED ME THAT IT WILL BE DENIED DUE TO THE FACT WE ACCEPTED THEIR OFFER OF DEFERRING PAYMENTS ON THREE SEPARATE OCCASIONS. I ASKED WHY WAS THIS NOT DISCLOSED BEFORE AND I WAS TOLD THEY HAD NO WAY OF KNOWING I WOULD BE IN AN ACCIDENT. XX/XX/XXXX THE GAP COVERAGE WAS DENIED AND GAP INSURANCE CANCELED. MY INSURANCE MADE A PAYMENT OF {$8600.00} LEAVING A BALANCE OF {$2600.00} I CALLED GM FINANCIAL AND AGREED TO PAY ANY LATE FEES BUT REQUESTED THE REMAINING BALANCE BE WAIVED DUE TO THEIR FAILURE TO DISCLOSE INFORMATION THAT WOULD FINANCIALLY IMPACT ME. HAD SPEAKING TO SOMEONE WAS VERY DIFFICULT AS THE REPRESENTATIVES HAD NO TRAINING ON HOW TO HANDLE THE MATTER AND WOULD CONSTANTLY INTERRUPT ME AND TALK OVER ME. I WAS HUNG UP ON AND HAD TO CALL BACK A TOTAL OF FOUR TIMES TO GET A SUPERVISORS VM ( THAT NEVER CALLED BACK ) I WAS TOLD TO WRITE A LETTER WHICH I DID XX/XX/XXXX AND THE FOLLOWING MONTH CALLED BACK AND SPOKE WITH XXXX ( ID XXXX ) WHO TRANSFERRED ME TO HER SUPERVISOR XXXX XXXX  VM ( STILL NO CALL BACK ) I REACHED OUT TO AN ATTORNEY AND SUBMITTED A LETTER WHICH HAS NOT BEEN ANSWERED. OUR NEXT STEP IS TO FILE WITH SMALL CLAIMS
Product: Vehicle loan or lease

First of all, I am not American and English is not my native language. I know there are some regulations that cares about this kind of situation. 

Secondly, I got a car loan from Prime Acceptance Corp, done under abusive interest rates of 29 % apr. 
Lender : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX I was struggling to pay the loan on time. I asked help with them to renegotiate the contract. They refused. 
I had my car repossessed. I paid all the requests they did XXXX XXXX to them + XXXX parking fees ) The company forced me to make payments after repossession using XXXX, in cash. Calling to XXXX XXXX, they told me there was no difference ( online payment or in person ). 

I ended up paying XXXX in cash ( as Pac required ), and XXXX ( online, not accepted by XXXX, but they refuse to refund ). 

I requested them to use this extra XXXX to pay the last installments XXXX to reduce the interest I will be paying XXXX. However they refused : they want to use this balance of XXXX to pay the next installments with full interest rate. 

I need some help regarding all this situation : 1. abusive interest rate 2. Use my extra paymanets to amortize my balance, and reduce the interest rates : paying the last installments. 

My monthly payment is XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I received a letter from my creditor, XXXX, advising that they had reduced my available credit limit. On XX/XX/2024, I reviewed my credit score and found that this change had reduced my score by XXXX XXXX  on XXXX and XXXX XXXX  on Equifax. I contacted XXXX and was told that this was an internal change and should not affect my credit score. I was told that I could reinstate my original limit with in 60 days. 
Even with this adjustment my credit usage is at 5 %. 
I am concerned by such a large decrease in my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt authorize these creditors to run my credit
Product: Credit reporting or other personal consumer reports

My loan from XXXXXXXX XXXX was removed from all XXXX credit bureaus this loan was paid in full and closed I believe it was accidentally deleted and not intentional I need the loan added back
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I successfully linked my Paypal account to my landlord 's online payment portal. On XX/XX/XXXX, I submitted the payment on the online portal for {$270.00} using my Paypal account. The account had been linked using the account number and routing number provided by Paypal. On XX/XX/XXXX, I was notified by Paypal that the payment had been rejected because the Paypal account was not set up for external transfers. As a result, I incurred {$250.00} of late fees charged by my landlord even though there were sufficient funds in the Paypal account for the rental payment. I called Paypal and submitted a case on XX/XX/XXXX, XXXX Paypal representative that I spoke with told me that my Paypal account was not set up for transfers, which is why the transfer was rejected. I told the representative that I was not notified of that and was confused as to why I was able to link my Paypal to my landlord 's account if the transfer would just be rejected. The representative told me to send proof of the late fees and that the case would be reviewed for compensation. I did not hear anything back and called on XX/XX/2024, to inquire about the status. The Paypal representative said that there was no record of the case, and I requested to speak with a supervisor. The supervisor was very rude and said that they would not compensate me because my account was not set up correctly and it is not their fault. I explained that it was in fact their fault because I used their technology assuming that it would work correctly due to the availability of my routing number and account number. As a result, I incurred late fees due to the failure of their technology. There was no evidence that the account was not set up correctly. This is blatantly poor business practice and consumer abuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I got a notification that on XX/XX/2022 there was a hard inquiry on my credit report from TD bank/Target. I did not apply for any credit card. I am concerned this is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many request MANY TIMES to furnish proof that I gave them written consent for them to report the BANKRUPTCY on my credit report. 

XXXX  XXXX dismissed XXXX XXXX XXXX dismissed XXXX XXXX XXXX XXXX XXXX MY OTHER CREDIT REPORT FRON XXXX THERE IS NO BANKRUPTCY ON MY CREDIT FILE. THESE NEEDS TO corrected
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 card or prepaid card

Supplemental information regarding COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 Barclays has not responded to this complaint but further continues to complicate the disputed charges as reflected on the attached communication.
Product: Credit reporting or other personal consumer reports

I am selling a dispute against Equifax were failing to properly invest my disputes regarding inaccuracies on my credit report. Despite my continuous submissions, Equifax consistently respond stating that they are accurate without proving any evidence of a thorough investigation. The practice violate for credit reporting act 15 US C 1681 i which mandates a reasonable investigation of disputes. Furthermore equifax actions may also contravene with the consumer financial protection act, 12 USC 5536 ( a ) ( 1 ) ( A ) - ( b ) as highlighted in CFPB recent administrative proceeding. I request that CFPB take immediate action to ensure Equifax compliance with federal laws And provide consumers with the necessary of investigation. These are the disputed accounts with inaccuracys XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX