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

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX Reported XX/XX/2023 XXXXXXXX XXXX XXXX XXXX A Reported XX/XX/2023 XXXX XXXX XXXX Reported XX/XX/202XXXX XXXX XXXX Reported XX/XX/2023 XXXXXXXX XXXX Reported XX/XX/2023 XXXX XXXX XXXXXXXX Reported XX/XX/ XXXX XXXX Reported XX/XX/XXXX XXXX Reported XXXX XXXX, XXXX XXXX XXXX Reported XX/XX/2023 THE BUREAUS Reported XX/XX/2023 XXXX XXXXXXXX Reported XX/XX/2023 XXXXXXXX XXXX  Reported XX/XX/2023 XXXX XXXX Reported XX/XX/2023 XXXX XXXX XXXX Reported XX/XX/2XXXX XXXX XXXXXXXX XXXX Reported XX/XX/2023 XXXX XXXX Reported XX/XX/20XXXX XXXX XXXX  Reported XX/XX/202XXXX XXXX Reported XXXX XXXX, XXXX XXXX XXXX XXXX Reported XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX Reported XX/XX/2023 has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions,
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is with Equifax credit agency, I have on numerous times reached out to them explain am a victim of identity theft and sent the affidavit from the FTC still they will not remove these negative accounts. I have asked them to send me a copy f the contract, still nothing just them saying it's been verified, really how, give me proof so I can go to court and show the courts. still nothing. The negative accounts reporting on my Equifax account are XXXX XXXX XXXX 's XXXX XXXX XXXX they are inaccurate and is affecting me mentally and emotionally.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in 60 days to be removed.

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

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


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/year> XXXX XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Student loan

XXXX XXXX XXXX XXXX used high pressure sales to encourage myself, a young XXXX, to take out maximum loan amounts. The recruiter, before I was a XXXX, had me print my mom 's name on the first XXXX  contract, tying us into a financial contract with them. They guaranteed job placement and that the XXXX  was accredited. Non of which are true. The XXXX  was fraudulent in many ways, not just with the high pressure sales and lack of accreditation. They have since been closed down. I was a XXXX  there from XXXX to XXXX. I have been paying on these private loans and still owe more than my original loan amounts. 

The original private loans were with XXXX XXXX, Navient bought them, and now Aidvantage owns them.
Product: Bank account or service

I had elected for no overdraft coverage and the bank is still paying for things.
Product: Student loan

Back in XX/XX/2017 University of XXXX contacted me and we three way called Navient. They helped me get set up on I.B.R. At this time I was told all my loans were covered under this. I even have bills with XXXX balance. But then I go to go back to school and there is a hold on my fasfa. Because navient has sent 2 of my student loans to collection. During this time I am still receiving XXXX  balance due. Because of this hold i am not able to start school.
Product: Mortgage

I setup autopay on my home mortgage immediately after getting the loan and after having it transferred to Mr Cooper. My bank records will show years of history of autopay including one XX/XX/year>. Suddenly in XX/XX/year> they did not run autopay. There was enough money in the account to cover the mortgage payment. They simply didnt run it. On top of that, they provided no notice to me that autopay was not processed until the payment was already late. Now they have charged me a late fee for a payment that is late only because of their failures and they have defamed my credit.
Product: Credit reporting or other personal consumer reports

I mailed in a bankruptcy dispute letter on XX/XX/year> in which the delivery was confirmed. this account is in violation of 15 usc 1681b it is being reported without permissible purpose my information was obtained under false pretenses which is a violation of 15 usc 1681q You possess my information without permission to use it which is a violation of 15 usc 1028a aggrevated identity theft i also have a court letter and a pacer letter that confirms they did not verify this information with any consumers and all information must be verified and confirmed
Product: Mortgage

I am having an issue with my mortgage loan # XXXX, serviced by SLS XXXX Specialized Loan Servicing LLC : XXXX ID Main Office XXXX. This loan has been on a Forbearance Plan since XX/XX/2020 due to adverse impact COVID-19 had on my business. I have had two 3 month extensions of the plan, however my most recent request in XXXX to extend it past the current end date of XXXX has not been responded to by SLS. I have been requesting a response weekly for over a month now w/no luck - SLS keeps saying we will look into it. My business is still impacted by COVID and I'm not able to resume payments and I have requested they grant me an extension since I still have 4 months left of the total 18 months allowed by law. What's worse is that they keep calling me day and to let me know that my loan is past due even though when I log in online ( see attached ), the loan shows still in forbearance but the date still XXXX!! This is nothing but harassment! Please help me avoid foreclosure! Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/2017
Product: Credit reporting or other personal consumer reports

They lowered my FICO score for no reason. Then they sent my letter asking for information that they already have. I am sick of this XXXX. Put my FICO score back to at least XXXX and stop XXXXXXXX XXXX
Product: Checking or savings account

I am a soldier in the United states XXXX and was deployed. While deployed got XXXX snd was sent back to XXXX. upon returning I realized my td bank card and XXXX cards wee missing. I dont remember if I took them with me on deployment or not but while deployed we used a different card called an XXXX XXXX XXXX  which can not be used for fraudulent activities because it doesn't have any card numbers on it. Our money gets loaded on the cars. I contacted td bank and filed a claim and so contacted XXXX  to file a claim. They did the investigation and said they couldn't find fraudulent activity. Yet the amount of money I lost was a huge amount of money that I need to be replaced. I am highly disappointed in XXXX ans td bank as I have been with them for a long time. I expect them to do better.
Product: Checking or savings account

I am a long time customer JP Morgan Chase with multiple accounts. I recently opened a new Chase Total Checking account. This account has a XXXX XXXX monthly fee that can be waived if any of the following criteria is met. Below is the verbiage on Chases website : XXXX XXXX monthly service fee OR {$0.00} with one of the following each monthly statement period : Electronic deposits made into this account totaling {$500.00} or more, such as payments from payroll providers or government benefit providers, by using ( i ) the ACH network, ( ii ) the Real Time Payment network, or ( iii ) third party services that facilitate payments to your debit card using the Visa or XXXX XXXX OR a balance at the beginning of each day of {$1500.00} or more in this account OR an average beginning day balance of {$5000.00} or more in any combination of this account and linked qualifying deposits XXXX ( Opens Overlay ) /investments XXXX The criteria I intended to use to waive the fee were monthly deposits made via XXXX which would far exceed the XXXX XXXX monthly requirement. I decided to confirm after opening the account and was told XXXX didnt not meet the criteria of the ( ii ) XXXX XXXX XXXX XXXX XXXX I pressed Chase representatives to identify what option I can use to satisfy payment via this network and discovered that either the representatives werent aware or this option didnt exist in the way the average consumer would understand it. I was told that to satisfy this condition I would have to have a direct deposit via payroll or from a government entity. While these conditions would be fine if that was stated in Chase language they are not, rather just given as examples in the first line. 

Chases explanation is either intentionally vague and therefore will lead to monthly charges or includes a condition ( ii ) XXXX XXXX XXXX XXXX that they knowingly or unknowingly choose to include but can not provide options to meet for a typical consumer.
Product: Vehicle loan or lease

I shesule my payments and they constantly call. When they call they immediately hang up. I received a call today and got the XXXX  answer of of now I see you scheduled your payment today. This is harassment to the extreme. Multiple calls daily and they hang up every time I answer. This needs to stop or I will take them to court and sue for more than the car is worth. Its ridiculous. Im clearly not avoiding them and doing my best to make the payments on time and get caught up but I know my rights and again this is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to work with the credit bureaus Transunion, XXXX, and XXXX with getting these fraudulent accounts removed from my report, they always say the information will be removed or they'll follow up with me but they don't. I have contacted them several times in regards to this situation, I do not want to be held accountable for something that isn't mines, I just want the accounts to be removed and from under my name and my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS XXXX XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY! 
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they have to be deleted. Filing for litigation due to the stress would be the next step for me to take. The wrong person my have used information which was impacted by the Equifax data breach.
Product: Debt collection

PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Credit reporting, credit repair services, or other personal consumer reports

I never consented to authorize nor benefited from all Inquires and accounts mentioned on my Identity theft repot, Block and delete them. If I have received goods and services from the furnished Inquires and account, let Experian, XXXX and XXXX have one of their senior executive certify under the penalty of perjury that I did received good and service from those transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX on XX/XX/XXXX to look at a XXXX XXXX XXXX  XXXX XXXX and a XXXX XXXX XXXX XXXX XXXX. I wanted to test drive and negotiate as I wanted to pay cash. 

1. I was told financing wasn't an option as the autos were older than 10 yrs.

2. The XXXX XXXX was considered commercial and could not be financed. 

Regardless, I didn't want to finance the autos. If all worked out, I wanted to make a deal for both trucks-CASH -- NO FINANCING. 

Prior to test drive, the dealer required that I complete a credit application for no reason other than potential discriminatory reasons. I have never heard of anyone requiring a credit report prior to a test drive. They already obtained a copy of my insurance and drivers license. There was no reason to check my credit file. This was deceptive. I requested the dealership to remove the used car inquiry but they did not respond.
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 XXXXXXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/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 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received my credit report from Experian, XXXX, and XXXX. I realized that there were hard inquiries on my credit fire that were not authorized by myself. These hard inquiries are negatively affecting my credit score and ability to get other sources of credit. Below is a list of the unauthorized hard inquiries on my credit file : 1. XXXX XXXX - XXXX XXXX, XXXX 2. XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX 3. XXXX XXXX - XXXX XXXX, XXXX 4. XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX 5. XXXX XXXX XXXX - XXXX XXXX, XXXX 6. XXXX XXXX XXXX - XXXX XXXX, XXXX 7. XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX XXXX. - XX/XX/XXXX 9. XXXX XXXX - XX/XX/XXXX 10. XXXX XXXX - XX/XX/XXXX 11. XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

It shows on. XXXX. That this debt was turned over to XXXX and it was payed now theres a new account open to a new collection agency
Product: Credit reporting or other personal consumer reports

I have incorrect information on my report. I have tried to get it removed, incorrect inquires, public records, and incorrect late payments.
Product: Checking or savings account

I got a installment loan from a company I thought was in XXXX, OH. After I had already electronic signed and started making high bi-weekly payments, I got a new job that paid weekly. I called the company XXXX and asked to change to weekly payments I was told ( by someone not from OH and obviously had been woken up by my call ) that my payment dates couldn't be changed. I asked to speak to someone in billing and was told no. I logged into my account as I had made XXXX worth of payments and figured it was almost paid off and could just pay the rest. Imagine my surprise when it showed I had only paid XXXX. I contacted the company back and stopped ACH payments as they had also forced some type of check through. After looking at the loan I saw the APR was 218 % which isn't legal in the state of OH. OH passed the max is 25 %. So I contacted my bank Huntington as I did not understand what a check was the loan company pushed through when my payment bounced as I have no checked and did not authorize them to use checks. I started the dispute process on the phone. I was sent the form to fill out and sign. I filled out the XXXX form with ALL XXXX dates and digital signed, no answer until I called again and they said it wasn't signed. So I filled out XXXX forms, where I filed a complaint with the FTC against the loan company, the loan showing the APR, the OH law about the 28 % max, the XXXX showing the company has tons of complaints, isn't verified and is actually from NV. Still no word from my bank. Below is all contact I've tried to make Calls XXXX about check XXXX  pushed. Started dispute process XXXX called update, told temp credit would be issued. Only for XXXX payment as the rep only looked at XXXX and closed case XXXX called for update on other XXXX. Told was closed and reopened and they were working on getting my money back Radio silent since Emails sent XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX They have been ignoring my emails since around XXXX and XX/XX/XXXX. This is ridiculous, I paid XXXX for a illegal loan even the loan company only called XXXX time. I need help getting my money back. Thank you XXXX verified via email documents were received
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported to be removed.

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

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

XXXX  XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling disputes despite of using Zelle numerous times and reporting discrepancies my bank and Zelle failed to invert my claims.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent 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 regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.