23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX 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 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 XXXX XXXX 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Request a personal loan at Iberiabank, and it was denied for serious delinquency. I investigated XXXX and I do not accept the reasons given, because I do not possess delinquent in my credit report. The information was verified in XXXX  and there is no delinquency. In addition, the score is incorrect. I understand that I was discriminated against for not approbation with incorrect information. I request that it be investigated.
Product: Credit reporting or other personal consumer reports

Trans Union refuses to update my information, I have sent them documentation and they still refuse to update my information
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on credit report, leaving inaccurate of unverifiable accounts unresolved. the ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes, these failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. i am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer
Product: Debt collection

XXXX XXXX XXXX added a bogus collection to my XXXX account that is not mines. I did not receive a written communication announcing this debt. I did not receive any written communication citing my dispute rights. I've never heard of the collection agency or the original creditor. I don't even have any voicemails or other communications from this collection agency. I believe that this agency is fraudulently trying to collect money from me for a bogus account by placing this account on my XXXX Credit report without any written or verbal communication, in hopes that I would call and pay something that I do not owe.
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 violates 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 caused significant inconvenience and financial los, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo utilized personal factors ( discriminated because of identity & last name tied to information from 10 years ago ) but company claims it couldn't verify my identity & " decided that they wouldn't allow me to open an account '' both in XXXX, XXXX XXXX & XXXX respectively
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681s-2 UNITED AUTO CREDIT IS REPORTING INACCURATE INFORMATION TO THE CREDIT REPORTING AGENCIES IN VIOLATION OF MY RIGHTS AS A CONSUMER THE LAW 15 USC 1681 s-2 a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

UNITED AUTO CREDIT CONTINUES TO VIOLATE MY CONSUMER RIGHTS BY REPORTING INACCURATE INFORMATION ABOUT ME RUINING MY CONSUMER REPUTATION WHICH CAUSES ME HARM AS A CONSUMER. THEY ARE EVEN REPORTING DIFFERENT AMOUNTS OF ALLEGED DEBT TO DIFFERENT CONSUMER REPORTING AGENCIES. NONE OF THE INFORMATION IS EVEN IN THE SAME HOW CAN THIS BE ACCURATE?
Product: Payday loan

I initially took out a loan through Advance America, as I was in dire need at the moment, and I appreciate their fast service. The issue that I have, is that in their company policy it states that within 180 days you 're only able to renew your loan 7 times and then you 're to pay in full. I took this loan out in early to mid XXXX and I pay biweekly, it is now XXXX and for the first time, I was told that I need to pay in full. It was brought to my attention that a buyout was done for me before in XXXX, as I would only have been paying the fees on this XXXX day $ XXXX would be a bit steep. After being informed of the buyout policy, I did a little math and realized that since I never took out another loan, my loan therefore should 've have been terminated in XXXX, meaning that the following payments would have then gone directly to the principal. Later I spoke with the customer comments team, who pushed my concern to the Area Manager, who was very rude about the situation of my mishandling and then suggested that I do what I 've already done, pay more money and continue to pay until the loan is paid off.
Product: Credit card or prepaid card

XXXX 's is not allocating payments as requested and instead is applying them so they can collect interest. A payment of {$120.00} was made in XX/XX/XXXX and two phone requests were made to apply to promo balance, they didn't. My daughter wrote to the XXXX and they still didn't help. They just keep saying " that's the rules '' but I was told that payments can be allocated as requested if I call. I called twice. 

For XX/XX/XXXX, I made my daughter pay all of the balance because I am tired of calling XXXX XXXX. I thought if I pay the balance the rest has to pay the promo. Instead they charged interest. Interest on what? The balance is paid! This is not the first time this problem happens. I complained about this same problem to XXXX and CFPB in XX/XX/XXXX. XXXX 's continues to be horrible. This is why I don't shop there anymore and hopefully my daughter will stop too.
Product: Debt collection

I contacted Wells Fargo Auto Loan Services XX/XX/18 at XXXX PST to resolve my late car payment. First error was that the automated system nor the agent of Wells Fargo did not indicate that the call was being monitored or recorded. The representative was extremely rude and uncooperative when seeking a temporary deferment due to my current financial hardship. According to the rules of Wells Fargo, they are not able to approve a deferment unless i have income coming, which defeats the purpose of the needing the deferment. I explained to the representative on numerous occasions that do have income, as I have been approved for unemployement, i am just waiting for my first check. representative exclaimed in a very rude and obscene manner that there is nothing they can do until i receive that income. I am already 20 days past due. The level of unprofessionalism and lack of understanding of my situation from one of the biggest banks in the nation, who is already under a lot of scrutiny on a multitude of fronts including stealing money from their own consumers, is unethical in nature. I first spoke to a representative named XXXX ( no last name ). The bulk of unprofessionalism, the lack of helping a consumer needing to get back on track, and the attitude this representative had was unwarranted and very disrespectful. I asked to speak to a supervisor. Once the supervisor got on the line, the supervisor was WORSE than the original representative. His name is XXXX XXXX. XXXX let me know that he listened to the call and that there is nothing they can do for me. I then told him, I was not aware, nor was i told that the call was being monitored or recorded, which is against the law in my state. He was extremely combative and unwilling to help or listen to my situation. He just kept saying that, i listened to your call and there's nothing we can do for you over and over again. And you became a supervisor how? Both of the representatives clearly do not enjoy working for Wells Fargo. I urge that Wells Fargo hire competent employees that actually want to help people get current with there loans and provide different methods and avenues to assist their consumers willing to get current.
Product: Credit reporting, credit repair services, or other personal consumer reports

have told this company repeatedly that there have been fraud on my accounts and that they are not mine and I ask them to verify information showing my signature and they have yet to do that.I have told them about police report and trade fraud report as well, I would like these deleted off my profile with any other negative remarks, have also received information from company 's such as XXXX and XXXX about data breaches 15 U.S. Code $ 1681c-2 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Payday loan, title loan, or personal loan

On XX/XX/2016 I was approved for a loan for XXXX by personify financial..After numerous medical difficulties I have paid off the principal balance on this loan and have paid close to 7000 dollars in total payments on this loan..But all is left Is the XXXX in late fees on the loan
Product: Bank account or service

JP Morgan  Chase Bank  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , OK  XXXX  on  XXXX   XXXX ,  XXXX  ; at approximately  XXXX  a.m. ) refused to accept a cash deposit ( under {$220.00} ). I was informed that it was policy that cash deposits can only be made to an account by the account holder or an individual listed on the account. They offered to take my cash and issue a money order, then deposit that ( that is what I had done when I encountered this issue with them in  XXXX   XXXX  ). But I do not have an account with them, so they said that was against their policy to issue a money order to me. I was advised to write a check or take a  cash advance  from my debit card or go to  XXXX  and get a money order and come back. I was never asked if I had a government issued ID.   I suspect this is a policy and against federal law and a way to avoid the IRS rules as noted on the Federal Reserve  Board  website. I also suspect this is a method of floating deposits by placing a hold on deposits.
Product: Credit reporting

XXXX XXXX, 2015, I sent Equifax a certified letter, disputing the XXXX XXXX XXXX # XXXX account. I have disputed this account information as inaccurate with them, and Equifax have come back to me and stated they were able to verify this debt as belonging to me. I wanted to know, How is that possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify this is my debt. I sent Equifax copies of the XXXX letters mailed signature certified along with receipts to this collection agency, asking them to validate this debt as belonging to me. XXXX XXXX XXXX have refused my certified letters and had them returned to me unanswered. 
This is a clear case of unverified debt here, and I requested Equifax to remove this item from my credit report. They have refuse to do this. Equifax is the ONLY credit bureau who is reporting this negative information that is causing me to be depress and keeping me from purchasing a much needed car to get me to work and school.
Product: Student loan

Beginning the week of XX/XX/20, my son realized that we still owed on his student tuition. We had automatic payments coming out monthly to pay this. We then contacted Nelnet, who services tuition payments for the College and was told that our credit card on file had expired, unbeknownst to us. They said they sent several emails to our son but he didn't see them or realize who Nelnet was because he is not responsible for paying his tuition, we are as his parents. We set up the payment plan with our credit card because he has no job or credit card. We had his emails on file with Nelnet as well as our contact phone numbers. Nelnet said that they only communicate via email. We find this to be strange and very limiting considering that email notices can go to junk or spam and go unread. Seeing as Nelnet services almost {$400.00} billion in student loan payments, they should have several means of communication. Or at the least, contact the person who's credit card they are charging. Our complaint is that they took out 5 of the 6 payments and charged a {$20.00} service fee for doing this. The last payment was rejected by our bank since the expiration date was expired so Nelnet closed our account. We offered to give them the updated card information but they said since the account is closed, they can't accept it. So at that point we asked for a pro-rated refund of {$3.00} since they failed to complete the contract of which they charged us for. They refused, so now we are seeking your assistance. Our concern is that they should handle ALL payments the same and not close the account until ALL payments have been received or at least when there was no response to their emails, they could have called the numbers on file, contacted the college or sent a letter. There needs to be more than one line of communication.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 
XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Mortgage

I originally applied to Freedom Mortgage to refinance my mortgage on XX/XX/2020. After working our way through the process which included signing multiple disclosures and applications I was sent a notice of not completing an application on XX/XX/2020. This was due to a vague question emailed to me on XX/XX/2020 about the address I grew up at, with no explanation as to the issue. I never owned that house and moved out when I was XXXX years old over 20 years ago. They literally never asked me why they needed to know about that address and only sent an email with the address on it which I answered that I never owned it. The funny part is I have a perfect credit score and have had a perfect payment history with the loan I have from this company. Poor service and I suspect its due to the low rate I locked in which they probably can not honor. This company sucks
Product: Consumer Loan

When i was a day late, XXXX 's began calling me several times a day, up to XXXX, thus being harassing in collecting a small payment. I have been an ideal customer and made on time payments for over XXXX months. I finally gave in and returned their call today at XXXX pm and told them i would be making my barely late payment tomorrow. They informed me the calls would continue until the payment posted. I asked to have my phone number removed from my account as i do not have unlimited time to devote to their harassment. they agreed, and at XXXX they called me again. they need to be penalized for harassment, XXXX phone calls in XXXX day is complete overkill.
Product: Credit reporting or other personal consumer reports

there is incorrect personal information and unauthorized inquires listed in my credit report. I don't not have any accounts that belong to any of the inquiries that are listed
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy ; 15 USC 1681 Section 604 ( a ) ( ii ) also states a consumer reporting agency can not furnish an account without my written instructions ; under 15 USC 1666 ( b ) a creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose. 

Creditor : American Honda Finance Missed Payments : XXXX   2023, XXXX   2023 Amount ( s ) : {$210.00} ( XXXX  and XXXX  2023 ) Please note I was terminated from my employer on XXXX  2023. I did not receive any form of written or verbal communication from the above creditor regarding late payment ( s ). American Honda Finance corporation terminated my automatic payments set to the account without my consent and failed to provide any verbal or written communication regarding the termination of automatic payments. The creditor restricted my ability to make payments online and over the phone after the termination of my automatic payments. As of XXXX  2023, I was forfeited the ability to purchase my vehicle due to a recall of over 4.5 million vehicles globally ( inclusive of my current vehicle ) from the creditor which violates the contract between myself and the creditor at the end of lease term. The franchiser ( Honda ) issued a stop-sale order which prohibits the franchisee ( myself ) from selling a vehicle subject to safety recalls. The above creditor has violated numerous rights of the Fair Credit Reporting Act as well as disclosures under our existing contract.