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

My account with XXXX XXXX XXXXis being reported late and i was never late! I have had exceptional payment history with this company 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 30 DAYS LATE 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 XXXX XXXX before the payment due date.

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

I have requested proof that this information was mailed or delivered XXXX XXXX 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: Checking or savings account

Got a call from SoFi Fraud Dept claiming someone I. Texas was using my card at XXXX and a gas station. I verified it was not me. He did a hard reset on my card and gave me a temp password to get into my account. As we were speaking he said someone was currently in my account. He then asked if I changed my phone number. I replied no. He said he took care of it and card is good, express mailed a new card and reset the phone number back to mine. No additional charges were made. Got off phone went to log in and the authentication code was being sent to a phone number that was not mine- yet again. I called them back again. Someone else changed the phone number and again said it was fixed. I tried to log in and get again it was the other number. I got multiple emails showing it was changed to mine and within a minute another email saying it was changed back. I asked if my card was active that I was just going to withdrawal all the money. He said yes go take the money then call them back and they will shut down the account. Within 10 minutes I went to cash station and entered my PIN number 3 different times and it said that was not the PIN number. How could that be? Its my PIN number I have used for a long time. I get home and call them back again. Again the day oh thats not the phone number on file- of course not because it keeps getting changed back. Not this has gone on for three hours and during this time more money is being taken out. 3 charges I. Georgia at XXXX and a gas station totally over XXXX. Then a random deposit form XXXX XXXX  for XXXX. They claimed everything had been fixed. I log back in and the same issue linked to the other phone number. Call back again now going on 4 hours. The guy said he changed it again- shut down and restricted the account so now I cant get the money at all nothing coming in or out. He said I will order you a new card. I said the fraud dept earlier ordered me one to be expressed. He said there is no card order here. I said what? Thats cant be. He said no. I said well this is the number that called me and filed this originally. I read him the phone number and he stated it was not SoFi. I said that isnt possible as I recieved text messages from him while on the phone for the authentication code and temp password. He said well that wasnt us. I am afraid this is possibly an inside job as I was talking with them over 4 hours more purchase, phone number continued to change as they claimed to have change it. Couldnt access my money as my PIN was not recognized and then the original caller was not SoFi they claim. I am very upset. I leave for vacation tomorrow with no money and now need to wait for an investigation to get my money back.
Product: Vehicle loan or lease

My XXXX XXXX was totaled & at that time ford motor credit claims we owned them over 2600.00 in unpaid late fees. To my knowledge the car was paid in full & now ford can not produce any info on what we owed. They say it was 1 payment we owed. My records & the website said paid. They claim there is over 2000.00 in attorneys fees? We never received any info in the 4 years I had paid it off. Again they can produce no info on the amounts. They refused to release title & we had to buy a new car. How can you be forced to pay without any info on amount. They have no record of any fees due.
Product: Debt collection

I received a bill fro {$52.00} for an unpaid XXXX toll. ( Allianceone, reference # XXXX ) The toll was from a traffic camera in XXXX or XXXX ( 7 years ago ). According to them, it was from a vehicle that I had cosigned for my son. 
Neither he or I have ever received any notice from anyone. The XXXX account I had should have picked up the toll at the time. It never did. 
Now after 7 years, this toll appears. 
It looks like a scam or someone opened up an old audit from 7 years ago and now want to collect this misterious charge. 
My credit is important to me. 
Receiving a collection for a misterious charge should be removed. 
I am XXXX XXXX XXXX, XXXX XXXX XXXX vet, and do not need this kind of stress. 
Please assist me in this matter. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been plagued for months over the following accounts inwhich I've repeatedly requested to be blocked from my credit report due to the fact that I do not have any relationship with the following creditors, ( 1 ) XXXX XXXX, {$0.00}, ( 2 ) XXXX XXXX XXXX, {$26000.00}, ( 3 ) XXXX XXXX XXXX {$1000.00}, ( 4 ) XXXX XXXX XXXX, {$920.00}, and I yet to receive my request for the Method Of Verification inwhich your company / companies has conducted, who, when, where, and how did the above accounts get considerated verified, please send me physical documentation of your verification. Or as stated in the FCRA if the accounts are not being verified by physical documentation then they shall be blocked, deleted, and/ or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hereby ask for your assistance regarding my dispute. It has been more than 60 days since my first dispute and the accounts that I'm disputing are still lingering on my credit report. This is a violation of 1681 and 1681n of 15 USC. The credit reporting agencies are ignoring my disputes. That is why I'm submitting a complaint in hopes of getting rid of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, these companies have used my credit report illegally pursuant to 18 USC 8, I owe no debt This company is violating my consumer right to privacy to USC 1681 B 2. Company has also mo permission to report ANYTHING using my information pursuant too 15 USC 1681 4
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX  was acquired by Simmons Bank mid-XXXX. Since that time we have had to manually generate payroll checks because no one from Simmons Bank will return or respond to our calls and emails asking the process to set up the direct deposit process through our XXXX account. I have made 5 phone calls with each committing to a call back within 24 hours. I have now sent an email through their 'start a conversation ' link which has had no response. We are nearly 30 days into their transition and I still can not get an answer about this issue. I have employees who want their direct deposit back.
Product: Checking or savings account

BMO Harris has been giving me the run around for months now. Every time I've contacted them I have been given the run around. They told me they could not close the account without first MAILING me a form and that if i had any questions I would have to FAX them. Which sounds absurd in 2023. 

I've contacted their support about 3 times now and have been given multiple different reassurances that they will help me close my account and retrieve my funds but nothing has come of it. 

Every time I try to access my online account it seems to only work when I am on call with customer service. As soon as I hangup with them the account becomes locked.
Product: Debt or credit management

I contacted the plan administrator on three occasions before the final checks were sent out as I was a paid subscriber and user of LexLaw credit repair services and fell under the lawsuit. I did not find out about the lawsuit until XXXX day to which I emailed the plan administrator according to the cfpb lexlaw directions. I included my full name and my request. I used to live in the Bronx but moved to Pennsylvania. I included a new address. Being that it was a holiday no one was available to answer the phone I followed instructions on the hotline and on the written documentation on the website. I then requested the check in writing according to the guidelines. I got back the exact response that was outlined On the Plan Administrators page. I then waited as I did not hear from anyone and contacted the Plan administrator again on XX/XX/year>2025 twice as I was sent the same form email after following instructions to send updated information via email since phone calls would not be accepted until after the XX/XX/scrub>/2025 date when final checks were mailed out. To date I received three emails with the same information and nothing returned back to me about the settlement and when I will be mailed a check.
Product: Mortgage

I received notice that due to an escrow shortage, my monthly payment is increasing by over {$700.00} which is over 27 % starting in XXXX. I called to request this shortage pay back be spread over more months to help offset the cost. SPS Mortage refused to work with me even though this escrow shortage was not my fault nor did I have control over it. In XXXX the monthly payment is set to increase by {$880.00} dollars per month. SPS Mortage is being punitive to customers that are in financial distress and is unwilling to work with homeowners to allow them to keep their houses.
Product: Credit reporting or other personal consumer reports

I have tried numerous times to speak with someone regarding this account, my wallet was stolen from my purse and accounts were opened online. This is XXXX of them. I have tried to dispute and speak with supervisors and nothing gets resolved and the account comes back verified and updated. How when it wasnt me who opened it and it was done online? I did not sign my name to anything with this company.
Product: Money transfer, virtual currency, or money service

I have sent XXXX XXXX dollars to XXXX in order to pay my student loan, I came to here as an international student and I am paying off my loan. I sent the money through XXXX service XXXX app, on XXXX XXXX and it was marked delivered on XX/XX/XXXX. Upon checking my XXXX bank account, these funds were not available in my account. I informed XXXX and they confirmed that the transaction was failed but they needed confirmation from their partner if the funds were sent back to them or retried to send to XXXX, I gave them more than 10 days now and called them every day to ask if they have processed a refund or sent to my account in XXXX, they keep on saying we can tell you by tomorrow but they do not update anything, just keep delaying everyday. This is mentally harassing and taxing for me and I am being charged interest every day that this money gets delayed. I am very stressed and request your help. I have proof of all transactions and bank statements to prove my case.
Product: Debt collection

An account was opened with Mariner Finance as a result of identity theft. In addition, I have contacted Mariner Finance and provided a police report, identity theft complaint, and an affidavit provided by Mariner Finance and have not received any updates as to the deletion of this account.
Product: Debt collection

This portfolio recovery associates? They are a debt buyer. They not once notified me of them buying the debt, they also have changed the dates of the original debt and placed back on my credit report. The account was charged off.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filling out 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 loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Some one applied for account with out my permission fraudulent account
Product: Debt collection

I have attempted to get this account removed from my credit report already. The collection agency in cooperation with XXXX XXXX XXXX is now committing fraud and producing fraudulent documents to change their claimed source of the debt they claim. At first they said the debt was for unreturned equipment, now that they see I can prove that I did in fact return the equipment, they produced fraudulent past due bills, they have run into another problem, the dates of service they are claiming, are for periods when I did not own the property where they claim the service was provided. This is outright fraud being committed by XXXX XXXX XXXX and the collections agency attempting to do XXXX XXXX XXXX 's bidding.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in ensuring that my credit report with Experian is accurate and up to date under the Fair Credit Reporting Act ( FCRA ). 

The following corrections need to be made : Address Update : My correct address is : XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 
I have been residing at this address the entire time and request that any outdated or incorrect addresses be removed from my report. 

Name Update : Please ensure that my name is listed correctly as XXXX XXXX XXXX. If there are any discrepancies in my name, I request they be corrected. 

Employment Update : I am currently a full-time student and do not work for XXXX anymore XXXX I request that XXXX be removed from my employment history on the report. 

I trust this request will be processed in accordance with the rights granted to me under the FCRA. Please confirm the corrections have been made or provide an explanation if there are any issues. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

They refuse to honor fraud protection. There was an unauthorized charge on my credit card by a scam merchant. The merchant stole my email address, card number and billing address, yet Barclays still put the entire charges back on my account.
Product: Credit card or prepaid card

I received a credit card unsolicited from ACE XXXX Account. I can't call to ask questions because that activates the card, which I believe incurs a {$3.00} fee. I need to know if my social security number has been used without my knowledge to request this card, or if it is just a scam. I don't know how to find out. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

its been over than 30 days and the creditor has not update the information nor has provided proof or documentations in regards a late payments they have not supplied this information and they must delete allege late payment on my credit report. under federal law they had 30 days to complete the investigation and by falling to do so the item must be deleted from the report as as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I viewed my credit report and discovered inaccurate information being reported on my credit report I never authorized these Inquires I contact Equifax about this and I was told I need to report with your company. XXXX XX/XX/2019 XXXX XXXX Auto XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019 Under the FCRA the credit bureau must report correct  information please investigate this thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit XXXX {$420.00} ), XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit : {$300.00} XXXX, XXXX XXXX XXXX ( Account XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9000.00} ), XXXX XXXX ( Account XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$760.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and I didn't get a response within XXXX days and ya 'll are required by law to do so. Please investigate my disputes.
Product: Student loan

I graduated from XXXX College, XXXX XXXX, Michigan with my XXXX in XX/XX/XXXX. Soon after graduation I was unemployed from XX/XX/XXXX to XX/XX/XXXX. I tried to make my payments on my student loans during my employment with XXXX from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I was again laid off due to the bankruptcy of XXXX and XXXX. I was n't gainfully employed with an acceptable wage until XX/XX/XXXX. During this time my student loans were in deferment. I was under the impression I did not have to pay for the interest accruing on my loans. In XX/XX/XXXX I started paying on my loans and over the past year and half I have barely touched the principal balance on my loans. I currently pay my loans through Navient. My account number is XXXX and I currently owe {$27000.00}. XXXX unsubsidized Stafford loans and XXXX subsidized Stafford loans. 

Last week I saw on the local XXXX media news stations that a lawsuit was being filed against Navient from the federal government. I am writing to inquire if I am eligible to be part of the federal law suit. 

I appreciate any assistance that can be given to me. I can provide unemployment verification from XX/XX/XXXX to XX/XX/XXXX. 

Thank you in advance for your assistance. 

XXXX XXXX XXXXXXXXXXXX XXXX
Product: Vehicle loan or lease

I had a loan through Kia Finance America for a XXXX XXXX XXXX : XXXX ; Account : XXXX The car was involved in an accident and totaled on XX/XX/XXXX. My insurance company paid {$45000.00} on XX/XX/XXXX leaving a balance of {$15000.00}. At this time, I continued to make payments and when my XXXX insurance made a payment of {$16000.00} on XX/XX/XXXX, my balance had been down to {$14000.00}. This left a surplus and an overpayment of {$1900.00}. 

I have contacted Kia American over and over, via phone to the customer service department, asking for a refund at which they assured me that they would make a request for the refund. I have not received the refund and it is now the end of the year. I called Kia of XXXX dealership, where I purchased the car, and they advised me to sue Kia America. Before I do this, I am asking if you can step in and assist me in getting this refund before pursuing legal action. 

Thank you very much in your help in this matter. 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

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. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX there is some inaccurate information reporting XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out for you to delete the following information in my file. A full description of the items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items are completely and fully deleted to correct my credit report. I've reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I urgently request that you promptly remove the unauthorized ACCOUNTS from my credit report, as I did not provide authorization for them, and they are causing me significant distress. I implore you to correct this error without delay.