23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have spoken to my bank to verify that the time I allowed for the payment to reach the company & be posted should have been sufficient. It always was when XXXX serviced the card. But for some reason, this company can't seem to credit my account in a timely manner. Over the past approximately 2 years, I have no idea how much I've paid in late fees or how many times I've called & couldn't speak with anyone who spoke English. I have cancelled this card which I probably had for XXXX plus years. I scheduled my payments on my bill pay app through my XXXX XXXX. I am on a fixed income. I live from paycheck to paycheck. Somewhere between when my check goes to this company and the time they post it, it seems to go in a black hole. The statement always says, " Mailed payments must reach us by XXXX XXXX  on _____ ''. I instruct my bank to place them in the mail on a date certain which should be well within the date certain. Many times my payment would show a credit date 15 days or more late. I spoke with employees of my XXXX XXXX about my frustration. This was the only credit card that I had that problem with. I have closed my account with this company, but prior to this I tried repeatedly to get this resolved. I was never able to speak with anyone who had the authority and the understanding of basic English to help me come to any kind of understanding or acceptable resolution. I bet that over the past 2 years, I spent at least {$500.00} in late fees when I hadn't had {$50.00}. in late fees in XXXX years. My bank has the records showing when they were to send payment & when they did send it as well as the dates the checks were cashed. I don't know how to attach them.
Product: Credit card or prepaid card

I had two Comenity Bank store credit cards. One was for use in XXXX stores and one was for use at XXXX XXXX stores. The accounts both had a XXXX balance and had a 100 % on time payment history. I had not charged anything on them for a while due to the fact that I have been sick and in need of a XXXX XXXX and on a fixed XXXX income. 

Both accounts were closed by Comenity around the XXXX of XXXX with no reason or prior to request that I take any action. When I called Comenity, they said they closed the accounts due to inactivity. They told me they could not reinstate the accounts, but that i could reapply. This action negatively impacted both mine and my wifes ( who was an additional card holder ) credit reports and scores. This is not fair to consumers in any way, shape or form.
Product: Mortgage

FREEDOM MORTGAGE HAS BEEN PRACTICING KITING TECHNIQUES SINCE XX/XX/XXXXWITH MY ACCOUNT. THEY HAVE MANAGED TO PUT MY MONEY IN DIFFERENT ACCOUNTS SUCH AS UNAPPLIED FUNDS AND STATE I AM MISSING PAYMENTS. FREEDOM MORTGAGE HAS ACH OUT OF MY ACCOUNT XXXX  IN XX/XX/XXXX. AND TAKEN 2 PAYMENTS OUT OF MY ACCOUNT IN 1 MONTH. THEN STATE THEY DID NO SUCH THING. AND NOW I AM IN FORCLOSURE DUE TO THEIR ACCOUNTING RECKLESSNESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chex Systems Inc. ( XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX ) -- The amount of XXXX USD was paid in full over 3 months ago and the information has not been properly updated by Chex. 

In addition, this is causing the credit agencies to falsely list that I have not paid off this balance for bank closure. 

Furthermore, it lists that I conducted " abuse or bank fraud '' of which I did nothing of the sort. XXXX XXXX XXXXXXXX unexpectedly, and quite ditsatefully added in overdraft fees when I explcitity signed that I would not like any overdraft services. Fast forward a few years and I find that I have a closed XXXX account that listed as " abuse and or fraud ''. 

This should be criminal as it has hindered my ability to do many things of which is open a simple bank account. 

Chex System, please fix your reporting and list that I have paid the account in full. At this point due to your obvious mistaking I would go further and reccomend a complete deletion from my report. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my credit report and I see an inquire dated XX/XX/2020 by your company. 
To my knowledge, I did give anyone from your company permission to pull my credit report. I did not file a police report because Im giving your company an opportunity to fix this matter. If this matter is not fix immediately, then I will pursue legal actions. 

Please immediately delete this inquire from my credit reports. 


Please see the inquire detail information listed below : XX/XX/2020 TD AUTO FIN XXXX XXXX XXXX XXXX, MI XXXX
Product: Money transfer, virtual currency, or money service

I recently received this email from the company Paypal : " You can no longer use PayPal After a review, we decided to permanently limit your account as we found potential risk associated with it. 

As a result, we can no longer offer PayPal services to you. 

Any bank or credit card information thats linked to your PayPal account can not be removed nor can it be added to another account. You can still log in and see your account information but you cant send or receive money. 

If you have funds in your PayPal balance, it will be held for up to 180 days. After that, well email you with information on how to access your funds. '' I have been a member of Paypal for 18 years without any issues. Paypal has given me no warning and no reason for my account freeze. I have contacted them multiple times over the phone to no avail. They do not offer any sort of dispute or resolution process in order to remedy the freeze on my account.. I have a large balance being held within my Paypal account as it was being used as a digital wallet for online banking and I have a debit/credit account with them. My balance and funds are currently frozen in the account for 180 days and I have no way to access these funds. Many members are finding that after 180 days Paypal are basically confiscating ( stealing ) the remaining funds and give members no recourse. There is currently a large class action lawsuit in arbitration against this company as thousands of users have experienced the same situation as I have outlined.
Product: Credit reporting or other personal consumer reports

L Nature of the Issue : 1. There is evidence of fraudulent activity associated with my account ( s ), which I believe violates consumer protection laws under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

2. False or inaccurate information reported by your institution has negatively impacted my credit profile, restricting my ability to obtain credit, employment, and other essential opportunities.

Under the FCRA, you are obligated to : Ensure the accuracy and completeness of the information you report.

Investigate disputes of inaccurate information promptly and thoroughly.

Correct or remove any verified inaccuracies.

Additionally, if fraudulent activity has occurred, your institution is required to take corrective action to safeguard my account and provide detailed documentation of the investigation findings.

Requested Action : I request the following : 1. An immediate investigation into the alleged fraudulent activity.

2. A correction or removal of any inaccurate information reported to credit bureaus.

3. Written confirmation of the steps taken to resolve these issues.

Failure to address these concerns may result in legal action, including the filing of complaints with regulatory authorities such as the Consumer Financial Protection Bureau ( CFPB ) and state attorney general offices. 

I trust that your institution values its compliance with federal and state laws and will take this matter seriously. Please respond within 30 days of receipt of this notice.
Product: Consumer Loan

Net Credit continually calls my phone every day, sends emails even after I already told my situation that I am not able to pay at this time. The repeated robo calls into the weekend are annoying and excessive.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax regarding an ongoing issue with my credit report. Despite my attempts to resolve the matter directly with Equifax, they have refused to remove an incorrect name associated with my account. 

On XXXX XXXX I submitted a request to Equifax to correct a name error on my credit report. I provided all necessary documentation, including my Social Security number and state identification, to verify my identity. However, Equifax has continued to refuse to update or remove the incorrect name from my account. 

The incorrect information is causing confusion and potential harm to my credit history. I have contacted Equifax multiple times, but the issue remains unresolved. 

I kindly request the Consumer Financial Protection Bureau 's assistance in addressing this matter. I would appreciate your intervention to ensure that Equifax corrects this error promptly and takes necessary measures to prevent similar issues in the future. 

Thank you for your attention to this matter. I am hopeful for a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax data breach. I am a potentially affected party, as stated by Equifax 's own website portal. The company provided my data via hacking to a third party ( or multiple parties ) which opens me up to fraudulent activity.
Product: Credit reporting or other personal consumer reports

Letter to : XXXX and Transunion I am writing to express my frustration with the inefficiencies in your credit freeze system. After successfully creating an account and freezing my credit, I attempted to log in again only to find that my credentials were not recognized. This is unacceptable for a service that is supposed to protect my financial security. 

Furthermore, the phone number published on your website is entirely unhelpful for resolving this issue. Instead of reaching a human representative, I am forced to interact with an AI bot that is insufficiently programmed to handle my request to unfreeze my credit. This lack of direct, human customer support is both frustrating and alarming. 

My request is simple : unfreeze my credit immediately. I demand to be restored to the position I was in before attempting to use your service. I would rather risk exposure than continue to be manipulated by a system that leaves me helpless and unable to access my own financial information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/18 Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Act. # XXXX To Whom it May Concern, This letter is in response to your recent claim regarding XXXX Act. # XXXX which you claim is closed with a balance owed of {$1500.00}. This account was paid in full. 

By not replying in a timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. 

I would be seeking damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )  You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, NC XXXX Social Security number : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of items from my credit report that are inaccurately reported as charge-offs and collections. However, according to IRS regulations, a canceled debt, collection or charge-off is classified as income. As such, these accounts should have been reported to me with a 1099- C form, which I have not received. 

The IRS explicitly defines a canceled debt, collection or charge-off as taxable income. The failure to issue a 1099-C for any forgiven debt over {$600.00} under Internal Revenue Code 6050P. The failure to issue a 1099-C for these debts is a breach of federal tax reporting requirements. 

Furthermore, under UCC 9-210, I have the right to request an accounting or verification of the obligation being reported. The absence of proper documentation, such as a 1099-C, supports the conclusion that these debts are inaccurately reported. 

Since I have not received a 1099-C for these debts, this indicates that these accounts are incorrectly reported on my credit report as debts rather than income. Reporting these accounts as debts without proper verification and documentation is both inaccurate and misleading. 

I request that you promptly investigate and remove these accounts from my credit report to correct this error. Additionally, under UCC 1-308, I reserve my rights to dispute any further inaccuracies or improper actions regarding my credit report. 

I look forward to your prompt attention to this matter and request written confirmation once the updates to my credit report have been completed. 

Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : US DEPARTMENT OF EDU XXXX XXXX Account Name : US DEPARTMENT OF EDU XXXX XXXX Account Name : US DEPARTMENT OF EDU XXXX XXXX Account Name : US DEPARTMENT OF EDU XXXX XXXX Account Name : US DEPT . OF EDUCATIO XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I took out {$2000.00} Loan on XX/XX/XXXX as installments loan with a annual percentage rate of XXXX.the they added insurance of all kind including unemployment know that Iam fully employed and covered by my employers and it seem like they was selling insurance not Loan products.I have paid 12 months payments and still the originally amount is still {$1900.00} as of today date XX/XX/XXXX.the manager claimed that she refunded over {$290.00} of the insurance money subtracted from the principle but it is still $ XXXX.every time I pay money should go toward the principle and interest.they are very deceptive to me.they claim because I have been paying late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted ECSI on multiple occasions asking why are they reporting my student loan as delinquent when I uploaded my military orders to their website multiple times. This has caused me to lose my home loan. I advised them that I was XXXX and was not gone to receive any letters that they were sending and they have still failed to fix this on my credit report. They told me to contact the school which I have done three time. I also sent XXXX XXXX XXXX my military orders and deferment request. This is a federal Perkins loan for {$3400.00} which has accrued fees due to this failure to defer this loan under SCRA.
Product: Debt collection

I noticed on XXXX of 2023 on my credit report had a collection debt from this agency. I am unaware and had no knowledge of this debt this was opened up fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX {$1400.00} I challenge the accuracy, compliance and reportability of this listing.This is indeed against F.C.R.A.  law. 
There is no contract, no valid claim ... account was settled with creditor and bureaus decline to remove it, and I contacted creditor, and was informed that it was not verified. 

Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information  which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Product: Debt collection

Received Email back in XXXX saying I owed a debt I electronically filed a dispute with them at www.ncaks.com/dispute as requested on the email they sent me. They failed to get back to me with the information that I requested as I have no knowledge of the debt. I have now learned that they have placed a collection record for the past 2 months with the credit bureaus. 

As I disputed this and they failed to provide me with any information whatsoever, they have no legal right to place that record on my credit reports and I requested that they remove them immediately. They have failed to acknowledge my emails confirming that the collection will be removed but did confirm that they will research the debt and get back to me. In the meantime, between their failed attempt to validate the debt back in XXXX, they illegally placed a collection on my credit report which I need removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that Trans Union was charging my XXXX  XXXX credit card XXXX on XX/XX/2021 and XX/XX/2021 for services that I never would have authorized. I did download a free credit report in early XXXX but never would have agreed to that service. 

I called XXXX XXXX and got a refund for those charges and had the service blocked. They told me that they have had similar complaints recently. 

I would appreciate it if you would investigate and let me know what you find, including a history of other similar complaints. 

Thank you for your time. 

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

I filed a complaint through CFPB and I attached a letter clearly stating what I needed from transunion..I clearly asked for an investigation into a few accounts on my report. Like they have been doing for months is ignoring one of my complaints..I sent this letter in on XX/XX/XXXX they just responded but didnt mention all of my accounts which means they didn't even attempt to investigate.I also asked for the results of investigation be sent to address on letter..I haven't received anything from them but I come on website and it's say complaint close..how is that when they didn't even respond to wat I asked and it's been over 30 days.I don't know if you guys at CFPB is actually lookin at these complaints but it's clearly they keep avoiding to investigate that account properly..this is like my 5th complaint against them and they keep doing the same thing and you guys just keep closing the complaint.Im goin to attached the exact same letter I sent and then u can tell me if they investigated how they should've bc obviously I'm not getting anywhere. 

Contract Callers XXXX I need proper report for the The account contract callers XXXX Could you please send it to me? Also, please let me know who had ACCESS TO MY FILE AS Well.. I want the investigation outcome to be sent to my address I put on the the investigation request letter. They ignored this the first time in letter..I can't make it anymore clearer than this..so when u respond cud you please have done proper investigation and forward me the information I asked for. Enough is enough with the fake verification process u guys use.
Product: Credit reporting or other personal consumer reports

Certified U.S. letters and supporting documentation were sent to Experian, XXXX, and XXXX credit agencies ( Dated XX/XX/2023 ), disputing several inaccuracies and incompleteness of information on my consumer report pertaining to a Factual Dispute ; listing all the inaccurate reporting done on XXXX XXXX Student Loan accounts. I explained in detail what those inaccuracies were, and how I wanted this matter resolved! I requested that this matter be thoroughly investigated, that the credit agencies follow the guidelines established by the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ) ; and that these inaccuracies be removed/deleted from my consumer report immediately. 

On XX/XX/2023, I received notice via email that my dispute results from Experian were in ( Report Number XXXX ). When checking these results, the notification says " Updated '', but when I checked my consumer report online... NOTHING HAPPENED TO THE ACCOUNTS I REQUESTED TO BE REMOVED/DELETED.. Nothing was updated by removal/deletion...
Product: Credit card or prepaid card

Recently, I was denied an extension of credit by Penn Federal Credit Union on XX/XX/2022. It is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Penn Federal Credit Union has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002
Product: Vehicle loan or lease

I believe I was a victim of fraud by Credit Acceptance Corp.