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

I contacted Transunion about inquirys and I told them that I did not give permission to these companies. They told me to file a report with FTC and I did. The do nothing and make me keep calling and calling and no nothing.
Product: Credit reporting or other personal consumer reports

Subject : Request for XXXX XXXX XXXX - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number [ XXXX  XXXX Account Number : XXXX ] for my credit card, to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least XXXX  days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card, have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my XXXX XXXX. 

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : I am attaching a letter showing that the creditor did not respond to me within the XXXX period, in which I formally request that detailed proof be provided to me regarding this specific item. '' [ per 15 USC 1666 ( b ) ] which has been adopted to ensure that each periodic statement is mailed to me ( the consumer ) no later than XXXX  days before the payment due date. Also include all information required by section 1637 ( b ) of Title 15. 


Date of reported late payment : XXXX / 2024, XXXX, XXXX XXXX
Product: Vehicle loan or lease

So as I stated I sent XXXX only XXXX was applied on Thursday XX/XX/XXXX which they said they didn't recieve mind you this was 2nd attempt. 1st got returned for wrong address and pay off amount where they were tacking on another XXXX or so even though they gave me 10 day payoff. At this time I ask where did XXXX come from. No idea. Car says up for repo. Even though huge amount has been credited. And it would have remained if I didn't insist they remove it. At this point I ask to validate the debt send me a true bill idk what's going on. Now phone calls early before and sometimes lil after XXXX everyday so I remove consent to phone calls I want in writing only. Couple months go by I look at credit report still has XXXX applied. I got busy w family stuff forgot about so I check credit report and status has changed not up for repo I call to confirm yup no longer up for repo. I do a ucc 11 certified search no XXXX go to courthouse to aquire about arbitration. Come out trucks repoed by unknown 3rd party XXXX from home phone is in truck. So walk hours to sheriff they don't know hitch ride to PD they don't know sheriff said they have 2 hrs to repot at XXXX at XXXX pd says still nothing maybe it's stolen. So finally my ride gets to me call chrysler capital they say its repoed. Thing is she also says they did 1099c and canceled debt in XXXX which just now it clicks is probably where XXXX came from. I never received a 1099 its almost a full year from canceled debt and they are still trying to collect on a debt that's been canceled and refuse to release my vehicle even though I have to report as income. So they said I need to pay in full to release my vehicle. I mean I was still inquiring about arbitration to figure this out and the debt has been canceled for that long. No notification. Anyways I'd appreciate your help this very shady.im pretty sure. This gotbto be some sort of securities fraud or something.
Product: Student loan

I am a co-signer on a loan that is with Navient, formerly XXXX XXXX. When XXXX XXXX was in the picture, everything went very smoothly. When Navient took over is when all the trouble started. I have paid off many student loans in the past 20 years, never missed a payment and never had any problems. In XXXX I contacted Navient to get my payoff balance and the lady gave me my amount and said it would be good for 6 days. I immediately wrote my check for that amount and mailed it in. I track my accounts very closely so the amount I was given on the phone was what I was expecting. A week later, I got on line and checked my balance and to see if my check had processed. My check did process and was applied, but my balance was not XXXX, instead it was {$29000.00}. I immediately called them knowing this was just a clerical error and would be cleared up easily. I was told that it was my correct balance and that I now owed that much. Of course I was not going to leave this alone because I kept very accurate records. Very long story short, It is now XXXX, the problem is still not resolved. I have been passed back and forth between many of their departments with no clear answer as to why my balance is such. I 've been ignored when I try to press the issue and demand that someone research my account history. Once I was told that the change in my balance was done internally and I had no choice but to pay it. I challenged that statement and was passed back and forth between departments. The last contact I had with them was almost a year ago and I left a message for someone to call me back and I also sent an email to a contact I had there asking them to call me back. Til now I have not heard back. I am tired of trying to track someone down that will give me a real answer. Meanwhile, I know that I have paid this loan off.
Product: Credit reporting

In accordance with FCRA & 650B paragraph ( a ), Equifax , XXXX, and XXXX, are required to block reporting, within four days of notification, accounts that the I the CONSUMER have identified as identity theft related. I have identified the following accounts to be identity theft related : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX I have identified these accounts to be identity theft related and have requested that Equifax , XXXX, and XXXX delete these accounts from my good credit record in accordance with FCRA & XXXX paragraph ( a ) which specifically stats the following : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 
( c ) Authority to decline or rescind. 
I have satisfied the requirements of notification and provided a police report, identity theft affidavit, proof of identity, identification of fraudulent accounts, and statement of identity theft. I demand that XXXX, Equifax , and XXXX remove the accounts from my credit file as ordered by law FCRA & 605B paragraph ( a ).
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, Kic. ) XXXX XXXX XXXX XXXX  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 XXXX untair ald deceptive, as they XXXX nor '' ) 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: Checking or savings account

I was a victim of a check scam the guys email is XXXX and his phone number XXXX XXXX ot started when he emailed me in my school email then we shifted to my other personal email he gave me money to buy XXXX  credit cards he was posing as a charity
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so sick and tired of banks, being able to take their sweet time and reporting when account has been paid in full and closed versus if somebody has a blemish on their credit report If Ive paid my account in good faith, and paid it off completely and close the account. The bank has the luxury of taking 2 to 3 months from what I am told to report this to the credit bureaus However, if I slip up and make one missed payment, they are more than happy to report that in less than 24 hours This is ridiculously unfair! The government needs to take steps to hold these financial institutions accountable for their actions and level the playing field! If they can report negative information and 24 hours, they can report positive information in 24 hours!!! They should not receive any sort of special treatment or accommodation, because of processing time as that doesnt seem to be an issue for them when theyre reporting negative information!
Product: Debt collection

I received a letter from the creditor by the name of XXXX XXXX XXXX, XXXX on XX/XX/XXXX. 
Claiming I owe an amount of {$360.00}. 
I was completely unfamiliar with said debt so I immediately called the original creditor & current creditor they have listed. 
Neither creditor that they have listed was familiar with the debt or myself as a person. They advised me this could be fraud. 
I also decided to research this XXXX XXXX XXXX XXXX and found multiple sources saying this is fraud as well. 

I then contacted this creditor directly and they informed me this was from XXXX, asked me to verify an email address that I had not used in 10 years. The representative stated he would let the original creditor know but Im not convinced.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Debt collection

Hello, I have been making payments to this creditor, XXXX. I received a statement dated XX/XX/XXXX which stated my payment of {$25.00} was due on XX/XX/XXXX. I made a payment 6 days later on XX/XX/XXXX, which they show receiving on XX/XX/XXXX. They told me they reported the account to the credit bureaus on XX/XX/XXXX, XXXX days later. Why am I getting reported as delinquent if it was not even 30 days delinquent? I made the payment 6 days after the due date. 
I also received a statement dated XX/XX/XXXX which reflected my new balance, which stated my payment due date of XX/XX/XXXX. I made a double payment of {$50.00} that time on XX/XX/XXXX. 
Today I called the company and asked what was going on and the lady said that they have held the account since XXXX and they did in fact receive my payment of {$25.00} on XX/XX/XXXX and then did report my account on XX/XX/XXXX. I asked since this is an error if it could be deleted, and the lady told me no. She also told me that it was set up as a hardship payment and that was only good for 3 months. They did not tell me this when it was set up nor did they send me any other letters stating we needed to redo the payment plan etc. I was not aware of that and they did not make that known. You will see on the last statement I received dated XX/XX/XXXX ( payment due XX/XX/XXXX ), it says " for your convenience we have established the following payment arrangements : monthly payment amount {$25.00} and due date XX/XX/XXXX ''. So I have been just following that arrangement. 
I am trying to get my house refinanced so I can pay off ALL of my student loan debt and this has completely trashed my credit score.  My mortgage lender referred me to you for help to get this fixed, because now otherwise I will have to wait like 6 months. I don't have that amount of time to wait! I need help. This was reported when I was not delinquent. 
I did in good faith pay off the balance of this account today ( {$520.00} ) because I was fearful of this happening again and also I no longer want to deal with this company. This is ridiculous and they refuse to fix it directly with me. They need to delete their error immediately. 
Please help!
Product: Debt collection

This company is reporting inaccuracies on my credit report monthly. I have contacted them about this account and their inaccuracies. The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508, was enacted in 1970 to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies . By this company reporting immaculate information on my account, this has prevented me from moving forward to purchase a home. This account needs to be removed from my credit report. My credit laws are being violated and I want this account removed immediately.
Product: Credit card or prepaid card

I bought an airline ticket for my son to fly from XXXX to XXXX. His trip back was on frontier airlines. On XX/XX/XXXX he boarded his plane after going through TSA screening in XXXX, headed to XXXX with a three hour layover there. While he was in XXXX, nobody talk to him from frontier airlines. He carried a backpack and that was all. Disembarked in XXXX Colorado and that appears to be where the {$99.00} purchase was put on my credit card. My son says that no one approached him, took his bag, complained about anything, he sat by himself. He did state to me that while he was waiting for his other plane was walking around and didnt see this hole that you press your backpack in and he said just for XXXX and giggles that he put his backpack in the hole and he had plenty of room and he was not oversized. But if he had been oversize they wouldve told him in XXXX at the beginning of his trip right? My son is well traveled, a veteran of the XXXX war and a member of the XXXX So I was charged {$99.00} for something but they really cant tell me what it is. I have talked to Customer Service twice. They are located in the XXXX, and they say they have a hard time getting hardcopies of anything. The first lady said it was his oversized bag, the next day the lady said it was because he had something illegal in his backpack and he was charged to bring it On board. He has stated that after he got off the plane in XXXX, that no one talked to him or said anything to him about his backpack or anything in it. Perhaps they didnt like the XXXX that he carried. I was charged {$99.00} while he was in XXXX for something I dont know why. One Representative from frontier airlines told me that he wouldve had to sign for the illegal object that he had in his backpack, because he wouldve had to sign a piece of paper and he wouldve had to give them his credit card number.That never happened and my son doesnt have a credit card. It sounds to me like theres a scam going on somewhere here. I have tried to talk to frontier airlines and you get nowhere with them. I talk to my bank and they are trying to get my money back too. I am writing everybody because I am tired of airlines treating people like XXXX. I work hard for my money and I have saved my money so I could have my son come visit me who I havent seen in some years. And then they take an extra {$99.00} out like I really had that to spare. These corporations that make millions billions of dollars and they dont care about who the consumers. I have to work two jobs just to make ends meet and Im by myself. So that {$99.00} meant a lot to me. 

Contacted so far XXXX XX/XX/2022 customer rep for frontier airlines. Was told baggage issues XXXX on XX/XX/2022 was told something illegal in his backpack and was charged {$99.00} to take it onboard. She said her paperwork doesnt let her see the comments as to why or what is was. Was told they could not refund money nor was there any office supervisors to help me. There is only one customer service number and you are talking with reps in the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly tried to apply for student loan consolidation, but am repeatedly denied due to an incorrect report from Experian that I have a foreclosure or other negative account.   I have already issued a complaint with them and they claimed to " resolve the issue '', but when I tried to apply for consolidation again, I was again denied due to the same problem. Experian has showed disdain for their willingness to correct their mistake and as a result it is negatively impacting my ability to lower my loan interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my complaints # XXXX that I submitted on XX/XX/22 were closed when I checked it. Again, I was going through my records & noticed accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXXXXXX XXXX, BANK XXXX XXXX XXXX
Product: Vehicle loan or lease

Vehicle was bought on XX/XX/XXXX if you see the records that Honda Finance has payments were not my account they were from XXXX XXXX who had possession of the car. When the dealer called me on XX/XX/XXXX he made it seem they were just using my income for a better interest rate. Me being trustworthy and needing to leave, the salesman just ask me to sign and get on my way and I did. On XX/XX/XXXX I received a call that they were looking for the car for repossession, I asked the investigator to give me a few weeks to find out what was going on. He agreed, A week I was able to get a hold of Ms. XXXX and she told me that the car had been repossessed. A few months later I received a note for the money owed but liked I've explained to Honda that vehicle was not mine. All they have to look is the account the payments were made from
Product: Mortgage

I have a mortgage with Selene Finance. The mortgage includes a XXXX  XXXX double wide mobile home and XXXX acres of land and the balance is about {$120000.00}. I had to file a claim with my insurance company, XXXX XXXX, because of water damage. The insurance declared tho home a total lose and gave me a check for {$20000.00}. The check was made to the mortgage company and me. Selene advice me to indorse the check and send it to their loss draft department which I did.My intention was to use those funds to help purchase a replacement home as I have no desire to lose my property. Selene will not release the money for me to proceed with the purchase of a replacement home. I do not have the money to buy the home myself. Selene says the will hold the funds in a restricted escrow until the mortgage is satisfied. I have spent hours on the phone over the last month trying to work with them to get this resolved but they are unwilling to release the money from the insurance that I pay for.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS THE 3RD TIME I HAVE HAD TO COMPLAIN ABOUT THIS ISSUE OF FRAUD ON MY CREDIT FILE!! MY NAME IS XXXX XXXX  XXXX MY DOB XXXX MY SS # XXXX THERE IS SEVERAL FRAUDULENT ADDRESSES ON MY FILE PLEASE REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I was going to buy a car and I pulled up my XXXX XXXX, XXXX  and Equifax credit report found XXXX XXXX # XXXX, XXXX XXXX # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION XXXX XXXX XXXX Student Loans that were not open by me nor did I give anyone permission to use my name to take out a loan. I found addresses that do not belong to me as well on my credit reports.
Product: Debt collection

Repeated calls for last month. Every day we get a call from Allied Interstate at XXXX XXXX. If not at that time, we will receive a call at XXXX or XXXX XXXX. No message left. We are debt free. We feel they are looking for someone who had our phone number and is behind in payments. The company should do their homework before the place these annoying calls to innocent people.
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.