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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have attached a copy of the required documents and advocacy letter as proof that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

Unfair Lending Practices. I was given an offer from Ascend Consumer Finance ( XXXX ) XXXX based in XXXX, CA for a personal loan. I passed all of their credit criteria with flying colors. I would not even have applied for the loan if I did not meet the minimum criteria. I provided all needed documentation. I signed the contract to receive the loan indicating my APPROVED status. Later I was notified that I would not get the loan. This appears to be a scam company existing to ruin my credit rating and steal my identity. i would advise ALL consumers seeking financial services to steer clear of this company at all costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called  XXXX  who is the services my student loans multiple times to figure out why I have over  XXXX  late payments on my student loans. I explained to the agent that my loans were in forbearance and deferment which means I was not obligated to pay the student loans those times because my payments were put on hold for the forbearance. The agent agreed that in  XXXX  my loans were in fact in forbearance, but  XXXX  would not remove the late payments. The agent then proceeded to tell me to contact the credit bureaus to see if they can remove them or wait the  XXXX  years so they can fall off my credit report. I do not think it is right to penalize someones credit worthiness by putting late payments on their student loans when they were not obligated to pay due to forbearance and deferment. I contacted all three credit bureaus and asked if they can delete the late payments. They all declined and informed me that the original creditor would have to remove the payments. I feel as though this issue will never get resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against XXXX, citing systemic issues, including its failure to forward consumer-provided evidence to furnishers, acceptance of unreliable responses, and inadequate notification of dispute outcomes. 
These failures align with my own experience, where XXXX has failed to correct or remove disputed information, instead maintaining that the account is accurate without providing evidence of a thorough investigation. This practice directly violates the requirements of the FCRA, which mandates a reasonable and thorough review of disputes. 
Additionally, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). These violations are consistent with findings in the CFPB 's recent administrative proceeding ( XXXX XXXX. XXXX ) against similar credit reporting practices. 
I request that the CFPB take immediate action to ensure XXXX complies with federal law and provides consumers with documented proof of reasonable investigations, as required by the FCRA and CFPA. 
These are the accounts I want removed : Dept of EducationXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Bank account or service

I have had my checking and savings accounts with Bank of America for almost 20 years. I logged into my accounts today and see that they had a maintenance fee of {$12.00} per month on a debit card account I keep for my wife. So I called Bank of America to see why they were charging me for a service I 'd gotten for free for 7 years. When I called they said they changed my account. Without my consent??? Why does B of A have the right to blindly change my account ... ... then charge me for something that has been historically free? Imagine if mortgage companies could blindly change your rate just because they wanted to increase profit margins. This is an unfair and unethical business tactic. They said they sent me something but I did not receive it. Please stop this unethical practice from happening to others. Its a violation of the trust we bestow in the big banks. Please fight for my rights!!!
Product: Student loan

I was notified in XXXX that ALL of my loans would be discharged through the Borrower 's Defense program ( see attachment ). I am a graduate of XXXX. I decided to check on the progress of this discharge and noticed that my loans had doubled in cost on NelNet 's site. They appeared normal ( my pre-discharge amount ) on the XXXX site. That was about XXXX weeks ago. I called the XXXX people to ask if my loans were still going to be discharged and was told " yes '' by the representative. She did advise that it would take time ( up until XX/XX/XXXX ) for the loan discharge to fully be processed. I hung up satisfied with that information. Well, I logged onto XXXX yesterday to once again check for progress and now it is saying that I have 14 defaulted loans and 2 consolidated loans! Shocked and upset, I called XXXX who informed me that Nelnet had not sent them updated information on my loans. I only have 2 consolidated loans so it looks like Nelnet unbundled them from my previously consolidated loans. My loans have been consolidated for YEARS. So, now I have two consolidated loans ( totaling {$83000.00} ) and XXXX individual loans ( unbundled ) loans that have somehow been in default since XXXX. This is untrue because my loans have been in COVID forbearance since XXXX up until XXXX. The XXXX XXXX told me to call the XXXX XXXX XXXX XXXX and I did only to be told once again that Nelnet either made a mistake on my account or has not updated my information but they could see that my loan is in FORBEARANCE and processing a discharge. When I spoke to the Nelnet XXXX she also confirmed that my loans were in FOREBEARANCE and that I did not OWE anything. It's the same thing the XXXX XXXX hotline people told me. Yet, if you go onto the XXXX website it says I have XXXX defaulted loans and that my total is {$140000.00} ( from the two consolidated loans and the unbundled individual loans that make up the consolidated loans! So they are basically saying I owe DOUBLE what I had. They are trying to double-charge me for the loans. I have never missed a payment and I definitely do not OWE {$140.00}, XXXX on my TWO loans. Something seems shady here. I have spent my whole workday on the phone trying to get this all straightened out only to be given the runaround and for XXXX and Nelnet to play the blame game. I just want both XXXX and Nelnet to display the same statuses. I get that I do not owe anything until XXXX ( Admin Forbearance ) while they process my discharge but the unbundling of my loans, the double charges, and the default loan status do not sit well with me. I want it fixed!
Product: Credit reporting or other personal consumer reports

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

I demand the late payment reported in 60 days 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.

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 XXXX
Product: Vehicle loan or lease

Cig Financial change name to AutoNation after reporting charge off and physically took custody of vehicle then I moved to Texas this company reset contract under new company name sending tow trucks to new location making false statements of armed and with holding vehicle that never left California with intents to forceful exsort payment which almost resulted in loss of life
Product: Checking or savings account

This correspondence was received via email on Thursday, XX/XX/year> at XXXX Valued customer, Starting XXXX XXXX, XXXX, Capital One began experiencing a disruption impacting the processing of some deposits, payments and transfers, which is due to a technical issue with one of our service providers. 

Specifically, this has delayed processing of some transactions including direct deposits and XXXX XXXX credit for direct deposits, as well as electronic payments and transfers ( ACH ).

Were working closely with our provider to resolve this issue and restore processing as quickly as possible. We expect services to gradually begin to return to normal throughout today and the majority of issues to be resolved by Friday morning.

Once the systems are restored, we will process all deposits and other transactions that have been delayed. You will be able to see those deposits and other transactions after they have posted by visiting us online or through the Capital One Mobile app. For additional servicing assistance, please call us at the number on the back of your debit card or visit a Capital One Branch or Caf.

As always, we appreciate your business and apologize for any inconvenience that this disruption has caused you. We assure you that we are taking this event very seriously. 

My direct deposit was to be in my account on Wednesday, XX/XX/year> in the amount of {$670.00}. I have tried numerous times to connect with a representative but to no avail. I have exactly {$1.00} in my Capital One checking account with no resolve in sight. I unfortunately live paycheck to paycheck as I was financially impacted by the pandemic and have been for four now almost five years trying to get my head above water. This is beyond an inconvenience. With one paycheck not deposited sets me back further now and creditors caring less about your personal issues, this is not good.
Product: Mortgage

XXXX XXXX sold my loan to Select Portfolio Services ( SPS ) almost 1 year ago. On XX/XX/2020 ( not exactly sure which day ) I called SPS inquiring to a FORBEARANCE on our existing mortgage. I asked if the Forbearance would allow for the entire payment ( PITI ) to be added onto the back of the loan. The representative said that the Principle and Interest would be but not the Taxes and Insurance. Thus, I said that I'd make the Taxes and Insurance payment. The representative said a letter would go out in a week offering you options. That " letter '' arrived on XX/XX/2020 and dated XX/XX/2020. Attached is the letter. I'm so sick to my stomach because SPS is seeking to profit from this horrible virus circumstance. They are offering my wife and me 90 day Forbearance ( from XXXX, XXXX and XXXX ) with a BALLOON PAYMENT DUE XX/XX/2020. My PITI monthly payment is {$2000.00}. Let 's multiple that by 3 months or {$6100.00}. Let 's add {$2000.00} due XX/XX/2020. Total {$8200.00}. Now, they want to charge me after 90 days a balloon payment of {$9500.00} ( see pay 2 TERMS ). If there was EVER a time when the CONSUMER FINANCIAL PROTECTION BUREAU NEEDED TO STEP IN, IT'S NOW. MY LOAN # IS XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020, I was physically assaulted and robbed. The two robbers knocked me out and stole my wallet amongst other items. 

One of the cards in my wallet was a Best Buy Citi Visa Card which they used to make 2 purchases. 

XX/XX/XXXX. - XXXX XXXX XXXX XXXX {$260.00} XX/XX/XXXX. - XXXX - {$23.00} Total : {$290.00} I disputed these charges on XXXX or XXXX ; however, the company took multiple weeks to process the dispute refunds. 

My regular purchase balance was {$1000.00} and my additional purchases for that month including the fraudulent charges totaled {$530.00}. 

I paid {$1400.00} towards that balance, so XXXX + XXXX - XXXX = {$190.00} Since I did not pay the full balance, I was charged {$15.00} in interest. 

However, had they processed the dispute in a timely manner like all my other credit cards, or been responsible in their billing and not included the disputed amount in my balance, then I actually paid more than what was due. The card does have 0 interest amount that the extra amount was meant to pay down. 

Therefore, XXXX + XXXX - XXXX ( disputed ) - XXXX = XXXX This shows that I paid more than the regular interest balance had the disputed transactions ( which were eventually refunded ), not been included in the regular interest calculations. 

I am requesting a refund of {$15.00} in interest charged as a result of their error. 

I did file a claim with the company a couple weeks ago, and I have not heard back. The interest fee has yet to be refunded. 

I have attempted to contact their security ops department to follow up, but the hold time is too long. 

Attached are both my XXXX statement which shows the disputed transactions and my payment towards the regular interest amount and my XXXX statement which shows that the two disputed amounts were refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has agreed to remove the late payment and it will reflect on my credit report within 15 days. It was removed immediately the next day from all XXXX credit bureaus after they agreed. But then the late payment reappeared in a few days. This is causing a major dip and confusion on my credit report and goes against terms. Today makes 15 days and the late payment is still on my report.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and noticed fraudulent activity accounts.
Product: Debt collection

There are 2 charges on my credit report - XXXX XXXX XXXX & IQ Data International both claiming I owe money. 

IQ Data Int - original lender XXXX XXXX XXXX XXXX - {$3500.00} XXXX XXXX XXXX - original lender XXXX XXXX XXXX XXXX - {$3500.00} Apartment fraud - XXXX filed 2 charges, never provided final move out notice per leasing agent. 

This apartment agreed to terminate my lease with a move out fee, which I submitted by personal check in XX/XX/2016 but was told I had to wait for final move out notice. The new company I went to work for agreed to pay my relocation charges, and made sure my package included this amount. The final move out balance check was never cashed by XXXX and then an employee of XXXX provided my estranged ex husband with my new address while under investigation for XXXX   XXXX after my bank records were audited during the divorce. My ex husband learned my wearabouts because of XXXX XXXX XXXX XXXX and began XXXX XXXX XXXX XXXX XXXXl XXXX again!!!! Most unethical place ever!!!! I am homeless and now have 2 creditors calling me for the same charge. This needs to be resolved as no one ever gave me the final invoice and the apartment violated the family protection act.
Product: Debt collection

Experian is reporting a fraudulent account does not belong to me ( XXXX {$7400.00} ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, unbeknownst to me, I was added as an authorized user to a Capital One credit account that I did not consent to. As a result, my credit score decreased XXXX points. Capital One could not find me on any account so I contacted XXXX. They contacted someone ( I dont know who ) to dispute and remove me from said account. As of today, XX/XX/2023, I am no longer seeing that account and am under the impression I was successfully removed. However, this resulted in an additional XXXX points removed from my credit score. Authorized users are not responsible for the debt of the cardholder, whether they give consent or not. I am demanding that this affiliation be removed from my credit report, restoring my score to its correct number within 30 days pursuant to the Fair Credit Reporting Act and that a new credit report is sent to me once this has been completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I applied for an auto loan my credit union informed me that my debt to income was too high. I found that Experian still showed a mortgage on my account. 
On XX/XX/XXXX I filed a dispute. I was then asked to fill out a survey and my only complaint was the amount of time to resolve the issue which was XX/XX/XXXX. 
On XX/XX/XXXX I was informed the dispute was resolved. I have had a mortgage with XXXX XXXX since XX/XX/XXXX. I sold my home and closed on the XXXX of XXXX, XXXX and XXXX XXXX was paid in full on XX/XX/XXXX. 
The resolution I received of XX/XX/XXXX said my mortgage was discharged through bankruptcy chapter XXXX in XXXX. 
My home was never part of my Bankruptcy and I made my monthly payments until XX/XX/XXXX. 
I believe that since they saw a bankruptcy that they just assumed the debt was discharged. 
I filed another dispute with Experian on XX/XX/XXXX stating they are in correct in regards to my mortgage. They are still working on it. I have no names of any personnel at Experian but I believe because I complained that it shouldn't take so long they decided to show this debt was discharged when in fact it was not! 
When I contacted XXXX XXXX they said they would indicated the balance was paid in full and the account closed.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a written request for XXXX, XXXX and Experian credit bureaus to send me copies of the documents that the company has used to verify the accuracy of the account in collections that is reporting inaccurately ... instead I only received a letter from them stated that the account remains and is verified to be accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XXXX XXXX I reached to Capitol One Auto Finance about 2 inquiries on my credit profile from XX/XX/2022, XX/XX/XXXX, XXXX without my permission. 
I was instructed to contact XXXX directly to have them remove the 2 inquiries, but XXXX refused to remove the 2 inquiries stating I need to call the creditors back, so now I'm getting back and forth without resolution to my credit profile. 

This is : 15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.