23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

In XXXX after I had to pay a much larger tax bill than I was prepared for i had asked to extend my loan by 1 month so I could recoup and pay. CarMax Auto financing told me I wasn't eligible, so I had asked the if there was anything that could be done to help my situation. After a long hold the representative came back and told me her manager had agreed I could do a partial payment of half then the next half would be added on and for my XXXX bill to be paid in full. I agreed. Payed the half when on XX/XX/XXXX paid the other half plus my XXXX responsibilities. On XXXX the XXXX my credit and my co-signers credit gets hit over XXXX points for delinquent payments. Even though I was paid in full by the XXXX. 31 days after my XXXX due date. When I called Carmax to see why that happened they refused to acknowledge the agreement they had entered into verbally with me and told me they reported me on may 1st 18 days after my due date and 6 days afte4 my partial payment. Now my wife and I have a huge black mark against our credit and carmax refuses to allow me access to the recored conversation to prove I was coherenced into that situation under the thought I was being helped with my difficult financial situation. Instead they used it as an opportunity to collect money that was tough to come by that month, then sent me to the credit Beauro well before 30 days. I attempted to pay on the XXXX my due date but it was Sunday and mother 's day so no ACH would be processed that day.
Product: Credit card

When Costco started offering Citi Visa cards with good rewards, I applied for and received a Citi Costco Visa. I used my card sparingly, but my wife did not even open the envelope containing her card. I always paid my account balance before receiving a statement because of the interest rate. I was surprised to receive a statement with a {$6500.00} charge from a travel agency in XXXX using my wife 's card. I called Citi and notified them the charge was fradulent. They took the charge off my card. I told them to close the account which they did not want to do but did so at my insistence. I told them the reason for the charge was because of lax security on their part because my wife 's card had never been activated. Cloning of the card had to have come from a hack of their data base or from internal fraud by an employee since my wife 's chip card had never been out of her desk and had not been activated. 
As a result of this, my credit score has dropped by XXXX points from XXXX to XXXX ; my wife 's has dropped from XXXX to XXXX. We both today received notification of this today from our credit monitoring service. 
My cancellation of the account is due to Citi 's lax data security and their failure to notify me of an obviously suspicious transaction. 
I want Citi to correct the filing they made with the credit bureaus to reflect that I was not at fault in the fraudulent transaction and the resulting account closing. I want my credit scores restored to their original levels. I would like CPFB to pressure Citi to take a more business like approach to approving obvious suspicious transactions as was this large out of country charge from XXXX.
Product: Checking or savings account

Bank of America sent a letter advising that an account was opened for me this was odd since I never opened an account nor have any accounts with Bank of America. Unable to reach Bank of America to both closed the account and to question how this account was opened without my authorization need letter verifying that the account was closed and issue an id theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried repeatedly to resolve issues with incorrect information on my report with Equifax. Equifax ignores my letters and repeatedly adds incorrect descriptors and or inaccurate comments to my XXXX XXXX Accounts. Recently they added a fraudulent descriptor to one of my XXXX XXXX Credit Card accounts. Equifax is violating my consumer rights and FCRA guidelines by ignoring letters Ive sent requesting them to delete the inaccurate remarks/descriptors and by adding these as they are blatantly false and inaccurate.
Product: Mortgage

In XXXX Freedom Mortgage received my normal, regular mortgage payment that I have sent to them for years through my bank 's bill pay account. Their 'cash handling department ' misapplied that payment as an escrow payment. In early XXXX the error was caught. We spoke with Freedom Mortgage about it and they put in a ticket to get it resolved, which they have failed to do. Everyone has been nice that I've spoken with but after a dozen phone calls and 4 different solution dates that they have given me, the problem persists. In the meantime my other payments have been processed properly but they went ahead and reported me as late to the Credit Bureau agencies causing my credit score to drop 65 points. They keep telling me that the cash handling department has to fix this and yet there is no way for me to speak with that department. There should be some recourse ; some government body perhaps that has oversight over these kind of abuses.
Product: Money transfer, virtual currency, or money service

Hello, I am here to explain to you guys the crazy week ive had. On XX/XX/23 I paid an email given to me by a small local contractor business for property management through zelle. The email given to me was misspelled and I sent XXXX different payments to this misspelled because I did not know it was misspelled. XXXX payment being {$3500.00} on XX/XX/23 and the other being {$1000.00} on XX/XX/23 through Zelle. I bank with XXXX XXXX XXXXXXXX and have contacted this issue and was told to contact Zelle but Zelle said nothing can be done. The small local contractor business was never paid and told me they had misspelled the email and had apologized to me. I have worked with this company before and they are very apologetic for what happened with their error. I am here because under Regulation E I am entitled to my rights as a consumer. The money in total of {$4500.00} was sent to the wrong email which is XXXX which was not the correct email it was supposed to be sent to. I wanted a charge back or some sort of reach out to that bank to have my money returned to me so I can send it to the correct person which is XXXX ( XXXX ) XXXX. I have contacted XXXX and have not received an answer back and I believe they are keeping the money, and are most likely spending it illegally without my consent. I did not authorize that person to receive my funds, it was intended to a whole other purpose but a small mistake of a misspelled email is why I am here. Please I need your assistance in receiving my funds back in order to pay the company I intended to pay. I have evidence below of bank statements and Zelle confirmation numbers to help you investigate my case. I have also requested the money from incorrect Zelle that I sent it too, but I have been left ghosted for my request of money I had sent. Hope to hear from you guys soon as possible, I really need my funds back, especially the person who received my funds had no obligation to receive or spend my money.
Product: Student loan

On XXXX of this year ( 2024 ) I reached out to XXXX about changing my payment due date from the XXXX of the month, to the XXXX of the month. The online request was submitted and validated by a customer service representative, mentioning that the change should occur within the next month. Ever since, I have been calling EdFinancial on a monthly basis, as my payment due date is not being changed, and the status is constantly reported as " in-progress '' when I speak on the phone with a representative. 

This is putting me in a precarious financial situation, as my current employer only pays once at the end of the month, putting me in a challenging situation to make payments on the XXXX. Of increasing frustration, when I called in XXXX about this, I was offered the option to have my payment put in emergency forbearance for a month, as I was in a bad financial situation that did not allow me to make the XXXX payment date. My loans then accumulated a principal of almost {$4400.00} due to their ongoing mishandling of this payment due date change ( unless I am understanding the attached file wrong, as Edfinancial does not make it easy to understand or navigate account information ). 

The fact that this has yet to be resolved after nearly half a year is extremely upsetting, and I consider all of their actions in this matter to be abusive and taking advantage of people 's financial woes to build up more interest on their accounts. The request has also been put into " emergency status '' twice now, which frankly seems to mean nothing other than a hollow reassurance that something is being done.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXXXXXX 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 the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported 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 21 days before the payment due date. 


XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card

In accordance with federal credit reporting act this creditor has violated my rights, under 15 usc1681 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 with out written instructions. Under 15 usc 1666 B ; a creditor may not treat a payment on a credit card under a open or closed and a consumer credit plan account as late, under any purpose. 

I XXXX XXXX ; Am in need of help.

I've spoke to a number of people since XXXX trying to consolidate. I never wanted a store business card. I thought it was a membership/discount card. I never filled anything out personally. Nothing was written by my hand or agreed too. She swindled me. The stire location was XXXX XXXX  off precinct line. XXXX  ( Watch the cameras ) foregurey! I will never forget. It ruined my life. I had plans for a house with my family thru my credit. I worked hard to gain that high score. I argued over my credit report. Which was high until synchrony lowes business advantage stole that from me. I continue today to fix it. They closed my card account and continued to charge me interest repeatedly and I continued to try and work something out. Listen to the many call recordings. Thank you for your time and consideration Sincerely XXXX
Product: Credit reporting or other personal consumer reports

Subject : Seeking Financial Settlement and Damages for Inaccurate Information I am writing to formally address the issue of inaccurate information reported on my credit report, which has caused significant harm and distress. Despite my previous request for the removal of erroneous data resulting from the XXXX data breach, the inaccuracies remain uncorrected. As a victim of this breach, my information was illegally sold and bought, leading to the unauthorized accounts listed below being added to my credit report : - XXXX : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX : XXXX - XXXX XXXX : XXXX - XXXX XXXX  XXXX XXXX : XXXX - XXXX XXXX XXXX : XXXX - OXXXX XXXX XXXX These inaccuracies have severely impacted my financial standing, credit score, and overall well-being. Despite XXXX 's admission of the breach and my documented evidence, no effective measures have been taken to resolve the issue. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ), I am entitled to accurate and fair reporting. The continued presence of these inaccuracies on my credit report constitutes a violation of my rights under this Act. Consequently, I am seeking a financial settlement for the damages incurred, including but not limited to : XXXX. Emotional distress caused by the breach and its consequences. 
XXXX. Financial losses due to higher interest rates, denied credit applications, and other credit-related issues. 
XXXX. Any legal fees incurred while attempting to rectify this situation. 

I am requesting the immediate deletion of the aforementioned inaccurate accounts from my credit report and a financial settlement to compensate for the damages I have endured. I expect a response within 30 days from the date of this letter. Failure to address this issue promptly will compel me to pursue further legal action. 

Please find attached documentation proving my status as a victim of the XXXX data breach and the consequent inaccuracies on my credit report. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you ONCE AGAIN about the compromising of my social security number and personal information. I am the victim of Identity theft and I am writing to REQUEST an identity BLOCK of items on my credit report that are not mine which resulted from the crime. Please BLOCK the following fraudulently created information from appearing in my credit report included in this letter. These companies are in violation of 18 U.S. Code 1028A. I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

* 15 USC 1681 section 602 A states I have the right to privacy.

* 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 
Also, they aren't even in compliance with Metro 2 credit reporting.
Product: Debt collection

To Whom It May Concern at the CFPB and Credit Bureaus, I am writing to formally dispute 3 fraudulent accounts on my credit report related to identity theft. These accounts, which appear under the names XXXX XXXX, were established without my knowledge or consent and do not represent legitimate financial obligations of mine. The fraudulent entries have severely impacted my credit accounts and financial standing, preventing me from obtaining legitimate credit. Details of Disputed Accounts : XXXX XXXX XXXX XXXXXXXX ( Closed ) Amount : { {$1200.00} } ( They also keep adding late payments which should not be possible if the account is closed. XXXX XXXX XXXX BANK : Charged-Off for {$5500.00} account number XXXX. XXXX XXXX is trying to collect {$10000.00} under the account number XXXX. Reason for Dispute is Fraudulent account due to identity theft. : Fraudulent account due to identity theft. As a victim of identity theft, I am protected under several federal laws, and I request that all entries be removed from my credit report. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) This law provides the right to dispute inaccurate or incomplete information on credit reports. Since these accounts are fraudulent, they must be removed to maintain the accuracy of my report. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) This law protects consumers from fraudulent debt collection practices. As these accounts were not authorized by me, any collection efforts violate the CFPB and should cease immediately. I submitted several fraud reports to XXXX XXXX XXXX BANK for stolen credit/debit cards and they closed them without fixing this and then proceeded to add the debt to my report. I have called experian, procollect, XXXX and XXXXXXXX XXXX  They all continue to transfer me to other departments, they don't provide proof of debt or anything signed and I have also sent all XXXX of them letters for debt validation that they have refused to respond to. I respectfully request that the FDIC and the credit bureaus take immediate action to investigate and remove these fraudulent accounts from my credit report to reflect my true financial standing. Thank you for your attention to this matter. I look forward to receiving confirmation of the removal of these entries.
Product: Debt collection

Re : XXXX XXXX and XXXX  XXXX XXXXXXXX Account No : XXXX Balance Due : {$4800.00} XXXX No : XXXX Proposed Settlement Amount : {$2400.00} Accordance with the fair credit reporting Act XXXX XXXX Account # XXXX Has violated my rights 15 u.s.c 1681 section 602 A states I have a right to privacy It also states a consumer reporting agency Can not furnish and account Without my written instructions please delete asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not aware nor did I authorize with oral agreement/ written signature any of the following companies to review my credit profile and send information to the bureaus. Here are the companies and dates of occurrences : 1. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 These inquires were never authorized by me and there appears to have been some sort of fraudulent activity. I need them to verify and provide proof for the validation of each inquiry. If none is given then I request that each inquiry with no proof of authorization be removed.This many inquiries by the same companies again and again have put my profile in a terrible position. I need it rectified as soon as possible so that I can continue with improving my credit profile and quality of life.
Product: Credit reporting or other personal consumer reports

Information About XXXX XXXX XXXX is different for each Credit bureau, per 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion about inaccuracies on my report since XXXX 2017. I have sent letters, called in and I have yet to receive any updates or responses back. I recently called in and spoke with a supervisor and he was very abrupt and not willing to assist me with my issue. There are several inquiries as well as payments posting inaccurate. He kept cutting me off and saying that there is nothing wrong when I am telling him there is. There were wrong addresses, names and other things. I want this removed from my report immediately as this is unfair and they are reporting bad information.
Product: Debt collection

I XXXX XXXX was affected by the XXXX XXXX just like millions of other American consumers. However, I was never past 30-days late with Chrysler Capital XXXX and my payment shows 30-days late XX/XX/XXXX. Accordingly, I believe that Chrysler Capital should review my account completely, and give me the benefit of a doubt if I was entitled to any relief due to XXXX. Therefore, the 30-day late payment for XX/XX/XXXX should be removed permanently. I did pay my loan in full in XX/XX/XXXX.
Product: Debt collection

I am needing immediate help to get this account by the name of XXXX XXXX XXXX XXXX back off of my credit because it has been removed several times and they continue to harass me and have violated my rights which I have been keeping record of in case I have to sue. This company has violated my rights in so many ways, I personally have recordings that I have transcribed of them willfully not providing me with actual competent proof of this alleged debt they are falsely claiming I owe them, they have even went as far of lying to me through the credit bureaus which I will also be holding accountable for them allowing me to financially hurt me the way they did and sending me cookie cutter responses, I am demanding this account be removed because they they have violated the laws set forth by the Federal Trade Commission of 15 USC 1692g 809 of the fair debt collection practices which states that proper notice has to be provided by the collector stating the ( 1 ) the amount of the debt ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Violation # 2 they attempted to mislead me by falsely claiming I have signed an agreement they have possession of and when requested they said they will mail it to me which I still have not received said original agreement they claimed to have alleging I would owe them for anything while also claiming to work on behalf of the United States government which the federal trade commission also states is in violation of the fair debt collection practices act of 15 USC 1692e 807. False or misleading representations along with the consumer financial protection bureau its. I am demanding this debt be removed from my credit report until competent proper and legal steps have been taken and proof of ( legitimate ) validation ( as requested ) has been sent to me directly and uploaded here as well.