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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to formally dispute the fraudulent information on my credit report. Upon reviewing my report, I discovered accounts that do not belong to me and are results of identity theft. These fraudulent accounts have already been removed from the records of other credit bureaus, indicating an inconsistency in your reporting. I contacted the companies associated with these accounts via phone call, and they have confirmed that the accounts were fraudulent and have removed them from their records. Despite this, the accounts remain on my credit report with your bureau. The presence of these fraudulent accounts negatively impacts my credit history and could have serious consequences for my financial future. Please DELETE the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Credit card or prepaid card

I am researching whether I have been double-charged for " XXXX XXXX '' survey fees in this and prior years, and whether any intermediaries beyond First Data and XXXX XXXX have inserted themselves ( and charged fees ) into the Credit Card Processing cycle.. I seek to eliminate any such intermediaries ( and eliminate, minimize related fees ), and determine how and why " XXXX XXXX Merchant ''  appears as " Bank '' on invoices,
Product: Credit reporting or other personal consumer reports

Reporting Account TRANSWORLD SYSTEMS has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may nod treat a payment on a credit card account under an open end 150 consumer credit plan as late for and purpose
Product: Credit card or prepaid card

This is my second complaint about this account!! Its not fair how im being treated by capitol one.!!! They are constantly causing big credit score drops because of them removing late fees then replacing them back ... i just recieved a 73pt drop ... i have always paid on time my account was closed without my knowledge due to them claiming fraud i have never called them about fraud on my account.! and capitol one never called me to inform me about fraud!! I'v made them whole and paid off the account and they have not done right by me!! I want all negative/late payments removed! This issue is not my fault and i should not be punished due to the lack of communication and professionalism on the matter of this account!! Please make things right because as of today they are still reporting late payments and they should not be!
Product: Vehicle loan or lease

I purchased a car on XX/XX/23. The price of the car was {$20000.00}. 

Problems : Of the number stated above, XXXX was for wheel locks, pinstripes, and door guards none of which were installed in the car On XX/XX/23, I agreed and signed with the salesman, XXXX XXXX, a breakdown of total costs being in the high $ XXXX. Paid a partial downpayment of XXXX 

I had to come in the next day, on XX/XX/23, to finish financing because the day I initially visited the dealership was a holiday, and therefore could not contact my bank. Paid another partial downpayment of XXXX, so the total downpayment was XXXX. I worked with XXXX XXXX from the finance office. She said the loan would be for over $ XXXX ( this already includes the deduction of my downpayment, therefore the total purchase was $ XXXX or $ XXXX higher than what I signed with the salesman, XXXX XXXX ). I asked to remove all of the add-ons, but she said she could not remove them otherwise, I would not be approved for a loan, even though I have a credit score of XXXX. But, she said I could cancel ALL of the add-ons within 30 days and receive a full refund to the principal of the loan. I asked her multiple times if I could get my money back, and she LIED multiple times and stated I could receive my money back for ALL of the add-ons and that I could not deny them or I would not receive financing. Therefore, I signed the under false pretenses due to the lies of XXXXXXXX XXXX  finance office. She said she would give me information on how to cancel the add-ons but never sent it. So, the next day, on XX/XX/23, I contacted the dealership to cancel the add-ons and spoke with XXXX XXXX on how to cancel. XXXX gave me their website page and told me she would get XXXX to contact me. So, I took the initiative to contact XXXX one of the companies for the add-ons. The representative from XXXX told me that not all of the add-ons on refundable, She said that XXXX add-ons with them are NOT refundable and XXXX MAY not be fully refundable. She said they had not yet received the contracts and that I could contact the dealership and VOID these contracts under false pretenses due to the lies from the employee before they would be sent to XXXX. I have tried multiple times to contact the finance department and XXXX XXXX but have not been able to reach anyone. 

There are discrepancies between the itemized list from the dealership and the contracts to XXXX. The dealer charged me more than the asking amount from XXXX, perhaps in a scam attempt to pocket the additional money. 

There was also an additional N/A charge of XXXX that was unexplained, perhaps in another scam attempt to pocket additional money. 

XXXX is way higher than the value of the car.
Product: Mortgage

RE ; # XXXX PHH Mortgage Services billed my XXXX sister ( now deceased from XXXX ) for insurance that was already paid for through her XXXX fees. This insurance has been paid by the XXXX  ever since she purchased the property in the XXXX 's. The overcharges were as follows : XXXX {$1100.00}. 
XXXX {$1100.00}. 
XXXX {$1100.00}. 

After filing with CFPB the PHH Mortgage Services admitted their error but only credited the reverse mortgage with {$1100.00}. from XXXX. They have yet to refund the two fraudulently withdrawn funds of {$1100.00}. each from XXXX and XXXX. These funds should be paid by check to her Estate which they have on file.
Product: Credit card or prepaid card

I found out today, when I called to ask Capital One how they received my contact information in order to send a mailing, that Capital One is apparently part of a large-scale identity theft scheme. I asked from where they received my contact data, and they said that their COMPANY POLICY is to keep secret within the company where they buy consumer data from. Two people I talked to could not tell me where the data came from but said that where data is purchased from is always kept secret. They claimed that someone I did business with sold the data to them, but they were lying about this, since that did not fit the contact data that they had. It looks as though Capital One is buying consumer data from hackers. 

I have never done business with Capital One. There is no reason why they have my data, and no reason why they refuse to identify where it came from. 

Identity theft will continue to be rampant as long as companies like Capital One ignore all consumer privacy precautions. It appears to me that they may be violating several federal laws, including the Fair Credit Billing Act, the Federal Trade Commission Act,  and the Gramm Leach Bliley Act.
Product: Student loan

For years I have been trying to get my cosigner released from my loan. I always pass the pre-qualifcations phase but then when I submit my application its denied. The last time I did this. I was told that they would not release me no matter what and that when my cosigner died they will go after her estate. I have never been late once and have followed all of their rules. My cosigner is XXXX, has no estate, and has never ever had to amek payments. My history of paying this loan is great as well as I make significant income. Today I was told by a customer service person that my cosigner wo n't ever be released even though their qualifications state that i meet them. She said the only way to get my cosigner off is to pay the loan off myself. She was rude and condescending. My statement is vague and I do not believe my balance nor the amount I owe is correct. It says I am paid ahead but I have never heard of such of thing. I also don ; t understand all of the threats when I have always paid this loan on time always.
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation
Product: Debt collection

Reached a settlement agreement with ICR Immediate Credit Recovery amount of {$6600.00} to be paid by XX/XX/2019. The XXXX website has been down for the last three days and I am unable to submit payment. Their office is closed today XX/XX/2019. They should honor my agreement to the next business day without penalization.
Product: Debt collection

XXXX The previous response I received from the company is in fact nonsense and did not prove anything. Following this consumer credit transaction, I understand I was to be informed that I have the right to dispute the validity of this alleged debt within 30 days AFTER the initial communication ( which is the contract they attached to my previous complaint ). They failed to include this information in this contract AND failed to send it separately in the mail stating I have the right to dispute this alleged debt. How where they able to assume the debt was valid? Well, according to FDCPA 15 usc 1692g # 3 ; it states that if a consumer does not dispute the validity of the debt within the first 30 days, the debt collector will assume the debt is valid. So, I am paying for things that are already paid for because they never made me aware I had the right to dispute the validity within the first 30 days. This is a breach of the contract due to the fact these MUST be included in initial communication ( the contract ) or sent separately to the consumer by law. Even if these debt collectors assume this debt is valid it does not mean anything because it is my right to refuse to pay an alleged debt and no court or judge can say I Owe it under any circumstance. ( 15 usc 1692g ( c ) )
Product: Debt collection

TO WHOM THIS MAY CONCERN : On XX/XX/2021 I sent Americollect a request for validation on 14 different accounts showing on my credit file in the sum of {$2200.00} via certified mail. On XXXX XXXX, 2021, I show in my records my letter was delivered and signed for by an agent with a return receipt. Its been well over 30 days and I still have not received debt validation. The Fair Credit Reporting Act states that while these items are being investigated they must indicate to the bureau that the accounts are under dispute and will remove/cease from reporting this information to the Credit Reporting agency until full validation has been completed. This company is still to this date reporting invalidated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and Myself had a shared Chase MasterCard that originated in XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to financial difficulties, Chase wrote this account off on XX/XX/XXXX for {$12000.00}. 
I received a 1099-C ( XXXX XXXX XXXX ) but my wife never did. Chase was required to send my wife a 1099-C and didn't. I did report this as income on our joint XXXX tax return. 

Because they never sent my wife a 1099, I want this account removed from my credit reports. 

I also want a full accounting of the late fees and charges and interest that were charged to this account before it was written off. I believe we were overcharged.
Product: Credit reporting or other personal consumer reports

I am writing to formally request verification and correction of an inaccuracy in my account records. I recently reviewed my account information and noticed discrepancies that require immediate attention to ensure compliance with federal regulations, specifically the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the Electronic Fund Transfer Act ( 15 U.S.C. 1693g ).

The details of the account in question are as follows : Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Under federal law, I have the right to request a thorough verification of this account and its accuracy. Please provide documentation that supports the reported information, including : 1. A detailed transaction history confirming the accuracy of the disputed information.

2. Any agreements, contracts, or signed authorizations related to this account.

3. Evidence of verification confirming that this information was properly reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and I'm asking for a full investigation into these unauthorized and unknown accounts that's reporting on my credit file. 

1 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX  2 ) XXXX XXXX   XXXX XXXX 3 ) XXXX XXXX {$300.00} 4 ) XXXX  XXXX XXXX {$160.00} 5 ) XXXX  XXXX XXXX {$400.00}
Product: Credit card

Synchrony Bank offered me a credit card insurance program, which is through Synchrony - Card Security -- its own insurance program -- that will make benefit payments directly to my Synchrony Bank Care Credit account in the event of unemployment, a XXXX and other issues that would otherwise render me unable to make my credit card payment. I enrolled in the Synchrony Bank - Card Security program when I opened my Care Credit account. I used my Care Credit account in XX/XX/year>2024 for XXXX  XXXX at a healthcare provider who accepts Care Credit. On XX/XX/scrub> 2024, I became XXXX, at which point I filed a benefit request with XXXX XXXX. My benefit request was approved, and XXXX payments, equivalent to my monthly minimum payments were made to my Care Credit account under the approved XXXX benefit. On XXXX XXXX, Synchrony XXXX XXXX made a benefit payment of {$9000.00}, which paid my Care Credit balance, in full, as of the date my XXXX occurred. This left me with a credit balance of {$660.00}, which I requested be sent to me via a check by mail since Synchrony does not offer any electronic means of processing my refund request. When the benefit payment of {$9000.00} was made, Care Credit placed a hold on these funds, not releasing them into my available credit, until on or around XXXX, XXXX -- a nearly XXXX hold on my available credit, despite the payment being made by Synchrony XXXX XXXX XXXX its own insurance benefits partner. I believe that when Care Credit held this payment and did not release it into my available credit -- a payment made by the credit card insurance Synchrony offered to me at the time I applied for and was approved for my Care Credit account -- this was abusive, deceptive and unfair. I believe it's abusive and deceptive, because Synchrony has received guaranteed funds from its own credit card insurance partner -- a service and product it sold to me -- but then is refusing to release the benefit payment from that insurer into my Care Credit account. Further, I believe that holding the payment of {$9000.00} is unfair, because this was not a personal payment -- rather, this was a payment from Synchrony Bank 's own credit card insurance partner, and I believe it's unfair to penalize me by not releasing that amount back into my available credit, for nearly XXXX weeks, when I have never had an issue with my Care Credit account -- I have never been late, I have always made at least, if not more of the minimum payments due each month, and I have used the card responsibly. I have attached a copy of the benefit payment letter to substantiate the source of the {$9000.00} payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Credit reporting Agency has not fixed the problem since my early complaint to them in XXXX of XX/XX/2020 and also earlier this year. 

For the past several years, I have improved my credit with my various creditors. Paid on time, never charged on my credit accounts for the past several months, never applied for new cards, never asked any agency to pull my credit report in the past year, etc. But despite these efforts, the 3 Credit Reporting agencies ( TransUnion, XXXX, and XXXX ) have continuously tainted my credit report. This has been a disappointing and disgusting experience. 

To show you as a proof or an example, I am sending an attachment file showing TransUnion report to my XXXX  account with XXXX XXXX XXXX for the following periods : prior to XX/XX/2020, my score was XXXX on XX/XX/2020, my score went up by 2 points at XXXX by XX/XX/2020, my score was back to XXXX again by XX/XX/2020, my score went down by 22 points at XXXX. 

This is ridiculous because I am not doing anything in my credit accounts for several years now, and in more recent 6 months I have never made charges on my credit cards and instead just continuously paid my monthly dues on time and never been late in my payments. So, why the heck will my score go down by 22 points in a matter of 7 days. This is a XXXX Credit Bureau Reporting agency. All they do is provide false information despite despite huge efforts to improve your credit.
Product: Vehicle loan or lease

US Bank is making the process for creating automatic payments ( 'AutoPay ' ) for auto loans unduly and exceedingly burdensome, in what seems to be an effort to make more revenue from late fees at the expense of the consumer 's credit score. 

On XX/XX/2022, I got an alert from XXXX XXXX that my nearly perfect Credit Score had dropped by 32 points because I had missed a payment. I raced to my computer, pulled up XXXX XXXX, and was befuddled to see US Bank making a hit against my credit report. 

I immediately signed in the my US Bank account and was bewildered as I was sure I had set up automatic payments. As a busy startup CEO, I sometimes forget the details as I'm making life-and-death business decisions on a daily basis. But, much to my surprise, AutoPay was not turned on. My mind then raced to 3 months ago when I was in the same predicament, and realized I could not turn on US Bank 's AutoPay at this time due to owing a payment. Which is -- odd. Being a programmer by trade, I knew this wasn't a technical issue Memory coming back now, three months ago when this happened, I ended up getting so frustrated I made a {$5000.00} payment just so I wouldn't have to deal with it until after the Holidays. Well, here we are. No AutoPay, late fees in hand, plus negative 32 points on my Credit Report. 

US Bank does offer a way to download a PDF and manually put in your AutoPay information, mail it back to them, and hope that they start deducting payments on time. But when you try to actually click on the link for this PDF document, it is error 404, which is the most common error in HTTP -- a missing file. After calling US Bank and alerting them of this fact, they simply told me to try again in a few days. 

It almost feels like these series of unfortunate events were purposes set up to take advantage of those who are busy, forgetful, or unable to print PDF documents -- for the sole purpose of making more revenue off consumer fees. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I originally got a payday loan from another company in XXXX, Tennessee, its in the original complaint. They sued once in court and now they are trying again. They have threatened me with court action and this is after all my information was compromised through their site was hacked. Im XXXX XXXX XXXX and on Social Security and they know that. The company that I got the loan from sold my check to cash Express.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently numerous inquiries and accounts listed on my credit report that I have no knowledge of. These inquiries and accounts were not authorized or initiated by me and was a result of fraud or malpractice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up with Equifax and    XXXX    to get my credit reports and scores, after adding a fraud alert on my reports with all  XXXX  bureaus. I paid {$1.00}, which was all they showed it cost. After about 2 months, I was notified that I needed to pay {$29.00} to keep receiving my reports and scores. I declined and they have not updated my scores since   X/XX/XXXX    . I know that because I have a fraud alert on my reports, I am entitled to receive my information free of charge every 30 days. When I call to request it, I get a couple of sheets, but not the full credit report. This has been going on for about  X  months.
Product: Vehicle loan or lease

I paid off my lease early and made an overpayment. They will not refund the extra money and said they will put it as a down payment on my next lease. I paid of off 7 months early and asked them to refund the money, they wont. When I call customer service I get Foreign people that you cant understand and refuse to refund the money back. This company is horrible and should not be in business,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.