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

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of XXXX XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of XXXX XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit card or prepaid card

For most of my bills I pay them using XXXX XXXX Online Bill Pay. On the XXXX of XXXX I logged into my XXXX XXXX account and submitted a Bill Pay request for the amount of {$1000.00} payable to Business Card Services for Bank of Hawaii. According to XXXX XXXX 's Bill Pay page my payment submitted that day ( XX/XX/XXXX ) would reach Bank of Hawaii on the appropriate due date of XX/XX/XXXX. This past week I received my new statement from Bank of Hawaii showing a {$16.00} late fee for that last payment. I logged into my XXXX XXXX account and the " history '' page shows that the check to Bank of Hawaii was cashed on XX/XX/XXXX, but when I called Bank of Hawaii to inform them of this they told me they didn't receive it until the XX/XX/XXXX. Clearly, one bank or the other is at fault here, but I'm the one being assessed the late fee penalty. Bank of Hawaii offered to " waive '' the late fee, but I told them this wasn't the correct terminology because it still implies I was at fault. Furthermore, most credit card companies will not allow you to ask for a waiver more than once in a 12 month period, and since this wasn't my fault I didn't want that to be my " one time '' waiver. I pay ALL of my credit cards IN FULL every month, but occasionally I might get distracted a miss payment by 1 day, at which time I'll call the to explain and ask for a waiver. I don't want my 1-time waiver being WASTED on a issue that I  didn't create. 
If I can add a secondary complaint to this thread : I also discovered that my new bill has a due date that is 3 days sooner than ALL of the previous billing cycles. Since opening this card my due date has always been the XXXX of the month. I keep a calendar with all my due dates on it so I can be reminded when to pay. I did NOT receive any official notice in writing from Bank of Hawaii that my due date would be changing, so this new statement was the first I became aware of it. When I asked the supervisor on the phone from B of H she said that because its a business card the due date has to fall on a business day -- to which I responded " bunk! '' I have tons of credit cards and the due date NEVER changes without a formal letter in the mail at least a month in advance notifying me a change is forthcoming. Is this recent date change by Bank of Hawaii a FAIR practice or just an attempt to set someone up for failure by slipping in a different date and subsequently creating a late-fee garnering opportunity for the bank? Please advise.
Product: Credit reporting or other personal consumer reports

I am writing to formally address your agency 's failure to remove certain items from my credit report, despite my dispute letter sent over 6 months ago ( XX/XX/year> ). In that letter, which is both dated and time-stamped, I provided clear evidence and requested the removal of specific items. However, these items remain on my report, which directly violates my rights under the FCRA. Additionally, as outlined in 15 U.S. Code 1681b, Permissible Purposes of Consumer Reports, I have never provided written consent for your agency to report any information on my consumer report. Lack of consent constitutes Identity Theft, and therefore, these accounts must be deleted immediately. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been taking the initiative to correct errors on my report since last year XXXX. I always hand write all my letters of dispute, and attach it with a photocopy of my driver 's license and or a bill for accuracy of my address and to show it's actually me disputing items on my report. I received what I'll like to call a stall letter on Transunion 's behalf and frankly I'm sick of tired of the delays and lack of investigation regarding my credit report. I will enclose their most recent letter dated on XX/XX/XXXX along with my letter dated back on XX/XX/XXXX, within their letter they explain that they will not be able to investigate my items until they verify it's me. My handwriting, address, and facial features via my ID has not changed. I even called them and was told by a rep that I needed to speak with the fraud department, which isn't in the office as of XX/XX/XXXX at XXXX XXXX. Please kindly assist me with ensuring that TU properly investigate my disputed items within my credit report.
Product: Credit reporting or other personal consumer reports

Transunion Credit Bureau refuses to update my account to reflect factual payment history made on the account. I paid off the account and Transition then re-opened it showing a still remaining debt. I had asked XXXX XXXX XXXX XXXX XXXX XXXX to supply the factual payment history and paid off and closed out accounts which they agreed to doing to all three credit bureaus and only XXXX is showing paid off. XXXX does not reflect paid off and closed account but their payment history is accurate. Transition refuses to update my accurate payment history and closed out paid off auto loan account with XXXX XXXX XXXX XXXX. I requested to speak to the supervisor of the member accounts solution department because I was being lied to, ignored and refused to respond to written requests for information. XXXX XXXX was informed of the actions and behaviors of XXXX but I had to tolerate and endure unprofessional treatment and conduct for months without resolve. I contacted Transunion directly and initially the customer service agent did not think she could do anything, I asked to speak to supervisor named XXXX who said his department is highest any consumer can go and there is nothing he can do because the only way to change the report is if XXXX supplies the information. He said he didn't any supporting information to show otherwise and refused to provide any other information and stated even though I am saying XXXX reopened a previously closed out and paid off account there is nothing he can do as the only way that would have happened is by XXXX notify and sending in that information to still show a debt and open account. He then refused to supply any other information and no longer wanted to say anything as he said the dispute results were accurate and I would have to contact XXXX myself because I was no longer able to file a dispute about the account. I supplied the statements and email correspondence with my dispute showing I made payments and closed out the account and verified and confirmed this with XXXX XXXX but Transunion XXXX said that they aren't able to take anything I submit and refused to give any reason why they were not able to use that information. I did everything I could possibly due to correct this on my own and directly with XXXX XXXX and with Transunion and XXXX XXXX reporting companies but have not been able to get this resolved own my own after multiple online and written disputes directly with the companies and through third party companies like XXXX XXXX. I need help and requesting assistance in helping me get correct and accurate information supplied on my credit reports and payment history which Transunion is refusing to do and XXXX hasn't updated either.
Product: Checking or savings account

On XX/XX/ 2020 I was offered to open an account at Bank of America. I transferred {$100.00} to the bank. I was then informed days later that for some reason they decided to close the account almost instantly. I was told I would receive the money back within 3-5 business days. I am still waiting!!!
Product: Debt collection

This company is in violation of 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), as this company continues to report a debt on my credit reports that does not belong to me. I requested a purchase agreement from this company to verify this debt belongs to me and the company responded with written communication, advising me they would not be providing this information.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Trans Union reporting illegally aged account. 

XXXX XXXX XXXX XXXX  TRUST These agencies all show a loan from XXXX on my credit report, which was last paid on XX/XX/XXXX. There were no more payments after that date. The loan was sold to XXXX XXXX within the past few years. 

This is an old debt, over 10 years old. The original loan company ( XXXX ) went bankrupt. 

But XXXX XXXX re-aged the debt to XXXX, and recently placed it at all 3 credit bureaus.. This is completely illegal, any debts with over 7 years since last delinquency, must be removed from credit report. 

This illegal reporting has ruined my credit and prevented me conducting business with certain companies.
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 advocacy group helping me due to XXXX XXXX debt 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 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 Debt XXXX and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Linebarger, Goggan, Blair & Sampson, XXXX XXXX, XXXX  XXXX XXXX  XXXX, NY XXXX. Sent a letter on XX/XX/2018 claiming that {$55.00} was owed on behalf of the New York State XXXX XXXX for a trip over the XXXX XXXX XXXX. The notice does not specify the date of the supposed trip. The {$55.00} dollar amount consists of the fee of {$5.00} plus a {$50.00} late fee. I never received any notice of the original {$5.00} fee and I can not therefore determine whether I am being billed for a trip that even occurred. Also, since I did not receive the initial bill I should not be subject to an arbitraryu imposed late fee that is 20 times the amount of the supposed underlying unpaid debt.

When I called to attempt to discuss this with the law firms collection agent, he was condescending and dismissive of any attempt to discuss the validity of the supposed debt and insisted that unless payment of the full amount claimed to be owing was required or I would not be able to register my car. I dont live in live in New York State and I am fairly certain New York State has zero ability to restrict my ability to register my vehicle in my state. I believe this statement to be a material falsehood and an effort to bully and intimidate me into paying an illegitimate and overinflated debt.
Product: Checking or savings account

I opened a new account with Citi Bank and provided the account number and routing number as shown in my mobile app to my employer for direct deposit on XX/XX/XXXX. 
The direct deposit was made on XX/XX/XXXX by my employer but it was not credited in my account, I had a financial obligation on XX/XX/XXXX which depends on that amount ( XXXX ). 
Upon reaching out to Citi bank all day long they told me the amount will be deposited by the end of the day, which never happened and I sustained a financial loss on that day due to that. 
On Friday XX/XX/XXXX Citi Bank sent a letter to my employer stating that I entered a wrong routing number and they provided the correct routing number and my employer sent that back to them ; the routing number I entered was provided to me in my Citi account info app ( will be attached ). 
Till this moment, the funds are not in the account, no reason was given by Citi bank despite reaching out to them more than10 times daily and me continue to get financially harmed by lack of funds. 
My Citi Acct number is XXXX, the routing number as it appears on my account info is XXXX, the correct routing number which was given by Citi to my employer is : XXXX.
Product: Vehicle loan or lease

On XX/XX/year> I paid off my auto loan in full. Three weeks later I had still not recieved my title. I called and asked the status. They informed me that the dealer never sent the title to them which i knew was not correct as I was able to register and plate the vehicle within a week of purchase. I humored them and called the dealer whom confirmed my previous suspisions. I called them back and told them. They then switched the story and said that the lost the title and had to file for a duplicate. They said they should recieve the duplicate within two weeks and they would expedite it to me. Two weeks later still no title. I called again. They said the same thing again about the title was lost and that they were waiting on the replacement. It is now over two months since I paid of the loan and I still do not have a title. I called twice this week asking to speak with a supervisor and they transfer me to a voicemail and tell me someone will call back by end of business day. Today, XX/XX/year>, I requested the release of XXXX so that I can file for the duplicate through the XXXX XXXX. They told me they would fax the release of lein within an hour. It has been XXXX hours with an additional follow up call and now the supervisor, who still has not returned my calls, has to sign off on the release. I will also now have to pay approximately {$50.00} in additional title fees if i ever get my release. I have gone to the XXXX to see who holds the title to the vehicle. They say it was mailed to a Credit Acceptance XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed all inquires on my account that i did not authorize EXCEPT FROM XXXX and they were not removed. Because I didnt authorize these inquires i have a fraud Alert placed!! And now im asking for assistace for them to be removed even after I told them i did not GIVE ANYONE PERMISSION TO CHECK MY CREDIT BUT XXXX!
Product: Credit card

I have fully paid off the account, and I request that the interest charges of {$10.00} be removed and the account be closed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX Balance Owed : {$510.00} XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

Lending Club. I cancelled auto pay through my checking account for a loan payment.XX/XX/2019. They responded XX/XX/XXXX confirming the cancellation. I understand I still owe this money, however they cancelled the autopay through email, but have attempted to withdrawal the amount three different times after the cancellation from my checking account and because the money was not in my account I have had NSF fees adding up. 
XX/XX/XXXX they attempted to withdrawal XXXX and it was returned with a fee. They attempted again on XXXX. It was also returned. They attempted to withdrawal XXXX on XX/XX/XXXX. It will be returned from my bank with another fee. I will be notifying my bank officially of the cancellation to attempt to stop further withdrawals. I did talk with my bank but they said I needed to talk to Lending Club.
Product: Student loan

I became become totally and permanently XXXX shortly after I graduated from the art XXXX of tampa. I wanted to stop before I graduated because of my illness but the school assured me it would be fine. So I continued and was given extra time for my assignments and was able to miss classes. Both of which are not something an employer would tolerate. So my Federal loans, also taken out with XXXX XXXX were XXXX in XXXX, due to my ruling of TPD, but my XXXX private loans held now by Navient defaulted and are in collections with XXXX XXXX systems on behalf of Navient XXXX. I have been unable to get any information on any discharge options from Navient XXXX. This process has and continues to cause me a great deal of stress and anxiety due to the size of my debt and my cognitive issues related to my XXXX. The stress worsens my condition and has caused my condition to worsen as a result. I am continually told I have no recourse for these loans and I will XXXX with this debt. I am XXXX XXXX XXXX and I do not feel a company should be able to treat someone like this for something they have absolutely no control over. Navient offers no solutions for borrowers in my situation. I want nothing more than to not to be sick and to be able to work and follow my dreams so that I can pay off my loans. This is in no way fun for me or something I even want to do. There is a lot of shame associated with this for me, and both companies have blamed me for this. So when I have to deal with these companies which is hard for me as I am not cognitively with it at all times, they tend to speak very fast I miss things and they get angry over the phone with me. This is a horrible situation in which I have no control over anything. The companies are blaming me and taking money from a person who has none.
Product: Student loan

I gradients Over ten years ago and I still have a balance of {$120000.00}. It 's awful and the amour seems to get higher and higher. I do n't even remember signing for this large amount of student loan debt. 
Help!
Product: Debt collection

I tried calling at the number provided from the voicemail and provided on the letter from the collectors, but I am still awaiting to get my call returned. I left a message yesterday, which someone helped me by saying theyd leave my information for someone that will be able to help me. Based off from what I owe, XXXX XXXX XXXX XXXX, did not charge my insurance, and I am expected to pay full amount, which I have evidence that during the time XX/XX/2020, I was in fact insured and I should not be charged full amount. I have checked other bills, and after my insurance is billed, I only pay {$10.00}. I sent out my insurance card ID to billing as proof as well, but I would like from CBB to stop charging me and adding interest for something I dont fully owe.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the customer 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 loss, and seek appropriate redress of these violations.
Product: Credit reporting or other personal consumer reports

This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX Balance Owed : {$14.00} ; XXXX  XXXX XXXX Balance Owed : {$700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Failure to post payments in a timely manner. 

All amounts owed were sent and received before the due date. 

The checks were received and cashed before the due date. 

The mortgage company, Shell Point / New Rez, sent me a fraudulent statement stating that they did not receive any payments. 

They also applied a late fee on their failure to .post the payments. 

And, they continued their fraud by telling the credit bureau, that I missed a payment when in fact, its their theft that caused me to be defrauded. 

Also, they caused the VA not to approve a refinance because of the missed payment.
Product: Debt collection

Received notification of alleged debt from Miller and Steeno P.C. on XX/XX/2019 in the amount of {$2300.00}.