23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

The company allows you to make a payment over the phone for your scheduled payment early. It then posts the payment to the date you made that scheduled payment on your account and never withdraws the funds timely. Then when the payment is drafted the original payment amount and date are removed and it is reprocessed under the scheduled date. For example, I made a payment on XX/XX/XXXX, it posted on Avant 's end in a few days with that date. However, it was never drafted from my account via XXXX. Then when my original date came around, the XXXX, it didn't show as pending until the XXXX and now the account shows that I never made the payment on the XXXX or the XXXX and isn't even showing on my online account. and I have accrued interest on all of that time between the XXXX and today. The customer service rep then told me that I needed to provide a bank statement to prove the funds were being deducted even though they show the payment on their end internally but not on my online portal. This company is basically gaming the system of interest and not posting XXXX payments made over the phone in a timely fashion, then removing them once posted, and forcing the customer to pay additional interest. This loan is advertised as having no prepayment penalty, but when I prepaid my monthly payment, this is what happened.
Product: Consumer Loan

I received a 1 year anniversary of my CarMax jeep and was told I could apply for the skip a payment deferment after the 1 year. We had a medical issue and I needed to get the deferment for that car payment within the month. they told me I could and I talked to the corporate office and she said she received approval. I began getting calls from CarMax so I asked the Financial side if they showed the deferment they said no, it was not processed and the corporate advocacy person had made a mistake. She took it to get approval on it and it was finally put through. My credit was dinked as a result and I need it removed as I have perfect credit in buying cars with paying within the 30 days allowed. XXXX XXXX
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 XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX : # XXXXXXXX XXXX XXXX # XXXX, XXXX - # XXXX I looked at my Transunion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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: Checking or savings account

I am submitting this complaint regarding an issue I encountered with Bank of America branches in XXXX, MA, which caused significant inconvenience and financial loss. 

On XX/XX/year>, I visited the Bank of America XXXX XXXX branch to request a certified check for {$17000.00} ( plus a {$15.00} fee ) to finalize a vehicle purchase ( XXXX XXXX XXXX XXXX, XXXX MA ). As per the agreement with my dealer, this transaction had to be completed on the last working day of XXXX. Unfortunately, due to technical issues at the branch, I could not obtain the check. The staff directed me to the XXXX branch, assuring me this would not impact the transaction. 

At the XXXX branch, the staff attempted to confirm the transfer with XXXX XXXX. Still, despite their professional demeanor and efforts, they faced prolonged delays in communication with the XXXX XXXX team. Ultimately, I was informed that the funds had been frozen and that I would need to wait until the next business day to obtain the check. 

This delay caused : ( 1 ) Damage to my business relationship, as I had to reschedule the transaction with my dealer.

( 2 ) Additional expenses for transportation to revisit my dealer.

( 3 ) The loss of credibility due to an inability to meet the agreed deadline.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is refusing to remove an account that has past the 7 year time period for reporting derogatory accounts under the FCRA this is a violation and the account listed below should be removed immediately. 

XXXX XXXX XXXX XXXX - # XXXX. 

This alledged account is reporting a Last Payment Date XX/XX/2016 which is more than 7 years ago. 

Delete this account it too old. 

Please see partial copy of my Trans Union Credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To someone in a position of authority that can help me resolve this issue, On XX/XX/2020, I wrote to you requesting an investigation into items that I believed were innaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. Section 611 ( a ) states that the failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It is currently 57 days, at this point these items need to be removed immediately. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply immediately with your investigation results. Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. I was also affected by the XXXX  data breach, and this problem could be the result of someone using my information fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple complaints that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Student loan

I paid a company by the name of XXXX ( XXXX XXXX XXXX XXXX ) a lump sum of money to start a loan consolidation for me. I found out last week that none of my loans were not consolidated and never have been and I recently filed a complaint on them. Today I 'm filing a complaint on Student Assist Plus witch is a company that XXXX works closely with. I have been paying Student Assist Plus {$30.00} through automatic debt from my checking acct for the loan consolidation. I found out that none of my loans have never been consolidated through XXXX witch is the company mu loans are through. A young lady from XXXX called me about my loans being late again I told them my loans are consolidated. The young lady tells me it is not in her system that they are. I have heard this before. I recently called Student Assist Plus about the same thing, telling them that XXXX has called saying my loans are not in consolidation. The man from Student Assist Plus told me that XXXX is just trying to scare me into paying my loans through them and ask me to fax the papers XXXX sent me. So I did and never heard anything from them. Well this time around XXXX calls again and says the same thing my loans are up for payment. So I explain to the women my loans are consolidated, she says she does not see that information, I began to get upset and ask why do they call me all the time when I have paid to have my loans consolidated. The lady transferred me to XXXX XXXX XXXX. I spoke with a lady there who looked up all my loan and told me my loans are not in consolidation and never have been. Again I spoke with Student Assist Plus and I ask for them to refund me my money that have been drafting out of my account and also the lump sum of money I had to pay to start the consolidation.
Product: Checking or savings account

For the past XXXX years, I have deposited my siblings checks into my XXXX account to help them pay their bills, as they are XXXX XXXXXXXX and require financial assistance. This activity has been consistent, and at no point did SoFi notify me that it was an issue or a violation of their policies. 

However, on XX/XX/year> SoFi suddenly restricted my account, which contains {$1800.00}, citing concerns over third-party direct deposits. I was unaware that this was against their terms when I initially submitted my paperwork, and had SoFi informed me at any point in the last two years, I would have immediately stopped. Instead, they failed to communicate and then abruptly restricted my access to my own funds without warning.

As a result, I am now unable to pay for essential expenses, including food for my child. SoFi has shown no remorse or urgency in resolving the matter, despite the severe impact it has on my financial well-being. Their lack of communication and failure to address this issue earlier has put me in an unfair and distressing situation.
Product: Credit reporting or other personal consumer reports

Mistakes have been identified on my credit report regarding 15 USC 16c-2. The inquiries listed were not authorized by me, damaging my credit. Please remove all unauthorized hard inquiries. Thank you!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two payments that were reported late on my account that was in fact paid on time. The consumer reporting agencies need to report all information with accuracy. I have attached a copy of my report to this complaint on the following dates, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I would like for you to investigate this account and update these payments to paid on time immediately. Thanks for your understanding and prompt action. I can be reached at XXXX for additional information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

never had account with these people and can not show me an contract that i sign but reporting to credit bureau
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 prices 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 air resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused insignificance inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE OR NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! 
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
Product: Credit reporting or other personal consumer reports

The address below are fraudulent and do not belong on my lexis nexis CLUE report and needs to be removed immediately XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX usc 1681 says a consumer has a right to privacy, USC 1681b SAYS THAT A CONSUMER REPORTING AGENCY CAN ONLY FURNISH IN ACCORDANCE WITH THE WRITTEN PERMISSION FROM THE CONSUMER.So that being said the remove of these claims below should be in effect immediately Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX I request that you investigate and remove these 3 fraudulent inquiries from my client 's credit report immediately. I also request that you provide my written signature and my authorization. Find my signature, I also request that you provide us with all relevant documentation related to these in LexisNexis. Under 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I didn't give XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, permission to go into my LexisNexis report so my privacy has been violated under The Privacy Act of 1974 The Privacy Act of 1974, a United States federal law, establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. List of inquiries that needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfers

On XXXX/XXXX/15 I sent a {$500.00} transfer to my sister in Texas. When she attempted to retrieve the money she was told that the funds were not available. I contacted customer service and was told that my transaction was under review because my name, XXXX XXXX XXXX, was similar to a name they have identified as a person who ca n't use their services. However, when I made the transaction I was not notified that there would be any problem. This is not the XXXX time I 've used this service. Each attempt to either retrieve my money back or make it available for the recipient has resulted in hours on hold and lastly transferred to the Dispute resolution department which automatically sends me to voicemail. I have never been able to reach a live person in that department. I have left XXXX messages with the Dispute Resolution Department and they have not contacted me. 

My {$500.00} were taken from Money Gram and neither I nor the receiver can retrieve my money. 

I have taken the following action to resolve the complaint:1. I have contacted Money Gram via telephone every day since XXXX/XXXX/15 and each time the customer service agents keep me on hold for hours ( not figuratively speaking, I have been on hold literally for hours ) while they say they are transferring me to the appropriate department. I get transferred from one agent to another over a span of approximately XXXX hours while on hold for about XXXX minutes in between each representative. XXXX representatives were extremely rude and hung up on me telling me they could not resolve my issue. 

2. I have also left XXXX messages for the Dispute resolution department and I have not been contacted. 

I have not been contacted by Money Gram at all. I need a resolution to this issue immediately.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleged ingredient systematic issues such as failing to forward Consumer provided evidence to furnishers, accepting reliable responses, and failing to adequately notify of disputed outcome. These failures align with my experiences where Experian has neither corrected or 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 disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to login to Experian 's website. Try to retrieve my user name using my birth date and social security number. Website says it sent an email to XXXX. This is not my email address. IT IS A XXXX  EMAIL! I don't have any addresses that end XXXX. I've tried many different ways to contact Experian to correct that but only run into automated responses that don't apply to this situation. I could find no way to contact a person. All phone number lead to automated systems that don't have an option for my problem and disconnect me if I try to get to an attendant.
Product: Credit reporting or other personal consumer reports

California Bank and Trust is reporting inaccurate information on my credit reports which I have disputed with XXXX, XXXX, and XXXX and have been doing so for months now. This negligence on their part has caused me to be denied for federal employment.
Product: Credit reporting, credit repair services, 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. 

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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Debt collection

I have received calls almost daily for months from XXXX indicating that they are attempting to collect a debt for XXXX XXXX ( this is not me ), and to call XXXX to be removed. I have dialed this number and followed the instructions at least 10 times with no resolution. I called XXXX to " resolve the debt '' so I could speak to a person at least 3 times to indicate that I 'm not XXXX XXXX, and to remove me. They will not stop calling.
Product: Credit reporting or other personal consumer reports

This is my 6th request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1600.00} XXXX  XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX IN. XXXX ) XXXX Balance : {$330.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$910.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/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 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 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 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

After reading the review of the company I have attached facts that the response is incorrect I have two different addresses on each statement two different cities but I can not be in two places at once.. Both modems were turned in prior to my departure from the united states. How is that I owe a debt when I still had services until XX/XX/2019. I have misleading information and none of it is correct but the company did put this on my credit report. I will be seeking legal advice due to this false reporting on both spectrum and the debt collection agency due to furnishing incorrect information on my credit report I also have receipts of BOTH turned in modems as well. This is my final attempt to resolve this matter at the lowest level. According to the FCRA, Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Furthermore, A creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : reporting a  debt as charged off when you settled it or paid it in full.Misstating the balance due reporting late payments when you paid timely listing you as a debtor on an account when you were only the authorized user, or supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ).
Product: Debt collection

I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as i am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.