23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I XXXX XXXX, have no choice but to submit a complaint against a nationally known vehicle finance company known as American Honda Finance. My argument is based upon the implementation of two separate federal laws, the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. My argument is against an abusive derogatory placed on not only mine but my wifes credit report, with each respective credit reporting agencies, XXXX, XXXX XXXX and XXXX  respectively. I have had an impeccable payment history with American Honda Finance since XXXX, as he attached credit reports shows Account Number XXXX opened XX/XX/XXXX, a perfect payment history until the vehicle was traded in for a new lease in XX/XX/XXXX. That loan payment history was perfect Account XXXX XXXX. As you can see from the attached two credit histories of the same account, on XX/XX/XXXX the account shows PAID. CLOSED/NEVER LATE as of the lease close out XX/XX/XXXX. At that time my wife XXXX took a new lease with American Honda Finance XX/XX/XXXX. Is was not until a month later when both me and my wife received a notice by mail that there was an additional charge on vehicle maintenance. I made the necessary arrangement to pay the additional lease charge that had absolutely nothing to do with any payment history. American Honda Finance can not mingle payment histories with any substantive collection issue after the fac. This is in fact not only a Fair Credit Reporting Act violation but a violation under the Fair Debt Collection Practices Act : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text If American Honda Finance had a financial issue with the lease, then after the payoff the only remedy would be through the FDCPA. FCRA does not apply..period. Accordingly, American Honda Finance has  applied a separate but highly illegal interpretation in its collection criteria by abusing the FCRA along with its tightly controlled subscriber agreement with each respective credit reporting agencies. The Consumer Financial Protection Bureau is the super-ceding authority on the implementation of FCRA, and I believe that the American Honda Finance company should be investigated including a full legal review of its contractual agreements with the general public. Sanctions are of necessity on this issue. I demand the late payment back-dated to XX/XX/XXXX be deleted, and that American Honda Finance issue a policy change to the American public  through the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 13 letters with my Passport and Social Security card showing the correct spelling of my name and Experian refuses to correct my name on my credit report which causes a problem when I apply for credit.
Product: Checking or savings account

I hold a Roth IRA with Citizens Investment Services. I am  charged a {$75.00} annual maintenance fee. Due to the high expense in maintaining this account I inquired as to the process of closing the account and I was informed that I would have to pay a {$100.00} account closing fee. However, this fee was not disclosed to me at the time I opened my account. Instead, the customer representative I questioned about this fee informed me that the paperwork I received indicated that additional fees may be incurred and fees are subject to change over time. Using that logic, Citizens Investment Services is not informing customers of fees it can choose to charge at any point in the future without disclosure, which seems to be in violation of the Truth in Savings Act, or at least the spirit thereof.
Product: Credit card or prepaid card

When I called to attempt to make a payment with a debit card. They said that option is only available for some consumers not all. I don't think this is fair to anyone that doesn't have this option available to them and could possibly be discriminatory depending on what guidelines they're using. 

Clarification ( I'm only able to make a payment with an account & routing number or a money market account ) Contacted Capital one on XX/XX/2020 to attempt to make a payment with a debit card.
Product: Vehicle loan or lease

This is not a duplicate complaint. I am supplementing my previous case with new documentation and facts that were not considered in BHFCs response. 

1. False Statement by BHFC BHFC stated I only paid {$140.00}, which is completely false. Attached are : A {$1500.00} down payment receipt ( dated XX/XX/year> ) A {$52.00} payment confirmation ( dated XX/XX/year> ) A {$74.00} Cash App transaction ( dated XX/XX/year> ) These payments total over {$1600.00}, which clearly invalidates their response. 

XXXX. Improper Credit Reporting ( FCRA Violation ) Experian lists the BHFC account as : Charged off : {$6000.00} Past due : {$8300.00} Balance : {$9500.00} These figures do not match the repossession letter ( which listed {$13000.00} ) and do not account for a vehicle sale or application of sale proceeds. This violates FCRA 1681s2.

3. No Post-Sale Deficiency Notice Per the Uniform Commercial Code and Arizona law, BHFC was required to send a post-sale deficiency notice after repossessing the vehicle. No such notice was received.

4. Mishandled Property Retrieval When I tried to collect my belongings from the vehicle : I was never informed of a fee ahead of time.

The BHFC rep demanded money and my spare key before allowing access. 
When I questioned it, he walked away, and I had to reschedule the entire appointment. 

This was unprofessional, predatory, and emotionally distressing. 

XXXX. Misleading & High-Pressure Loan Process At the time of signing : I was not given full details about the loan I was not informed about the arbitration clause or tracker installation Language barriers made the contract confusing I never would have agreed had I known the full terms
Product: Credit reporting or other personal consumer reports

I requested that Transunion remove a XXXX XXXX credit inquiry from my Transunion credit report. The Transunion investigation apparently concluded that the XXXX XXXX inquiry will remain on my Transunion credit report for two years. I have a letter from XXXX XXXX stating that a fraudulent account had been opened in my name, and that the XXXX XXXX account is not mine. Therefore, I feel the XXXX  XXXX inquiry should not continue to be displayed on my Transunion credit report as it currently appears : XXXX XXXX Important dates Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX XXXX  XXXX Contact info Address XXXX XXXX  XXXX XXXX, VAXXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX , with Social Security Number XXXX a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> XXXX. Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

They lowered my credit limit. I want it put back to {$4200.00} and I need a foreberance for my account. I have been affected by the corona virus and they shouldn't have lowered my limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hell I am attaching my Drivers license, my social security card and XXXX  accounts which I noticed recently when checking my credit that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed several incorrectly reported items on my consumer profile, including a public record. LexisNexis sent letters to me stating that several items were deleted on my consumer profile. No updated consumer report was mailed to me. No link was provided for me to access my report. I have since called LexisNexis about six times requesting clarification on changes to my report. Each time that I call and explain my concern, I am transferred to a " Public Records '' department. Once connected, the representative blatantly disconnects the call. There were times that I was disconnected before the transfer. I have asked for a warm person-to-person transfer but that did not happen. I am placed in the queue each time. I have emailed LexisNexis, but no response. The company is refusing to provide me with a copy of my report and is deliberately making the dispute process difficult. My request is that LexisNexis investigate the calls and emails. A company that has access to my personal data yet hangs up on me fails to respond, and fails to provide me with the requested information is alarming to me. I am also requesting that LexisNexis provide me with a detailed explanation of the disputed information. As there is no way for me to know which record ( s ) were changed in my consumer profile. Today I spoke with " XXXX '' and " XXXX. '' When I spoke to XXXX she told me that she could not help me after I waited several minutes. She then told me that due to the security freeze, I can not get my consumer report. When I told her the security freeze has been on my profile since 2018 and I have received several letters this year with a link giving me access to my report, she then said it was due to my state. I then explained that my address is the same and asked for a supervisor. She said I would have to await a callback. She asked if I could provide a different number because a rep tried to call me previously and could not reach me. I explained that I was never informed that anyone would call me. I receive spam and scam calls. Had I been advised that someone would contact me, I would have been expecting their call, ultimately answering a known phone number. Six attempts later and still no resolution. Still no consumer report. Still no answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPTEDNELNET reported several accounts inaccurately. The late remarks started late 90 days right after a good payment in XX/XX/2019.
Product: Checking or savings account

I am a XXXX  XXXX, and XXXX XXXX XXXX XXXX and so I have a very busy schedule. I noticed in XX/XX/2020 that certain debits and charges from my account that automatically deducts were not being paid. I contacted BOA after checking my account balances in detail about these charges on XX/XX/2020. They opened a claim and totaled it out to be over XXXX grand. I told the rep that I definitely didn't charge or purchase XXXX XXXX dollars worth of gas or items from a gas station. 

2-weeks later and after having the claim escalated my claim was denied. Reason : 1 ) Nothing about the transactions appeared unauthorized said the representative. 2 ) It was a chip card and chip cards can't be cloned. ( Due to my informing the rep that on many occasions I was unable to perform a pay at the pump transaction like I normally do when in a rush. ) 3 ) It was pin-based transactions. 4 ) If they were fraudulent they would have tried to wipe you out. Seems they didn't do that all at once. ( These were the exact words this person said to me! ) 5 ) Since I have been logging into my online account I would have noticed these charges, why did I wait. Over XXXX XXXX dollars, I asked them if they didn't see that as odd? My alerts were being sent to my spam folder so I was never alerted to any of these hundreds at a time charges. Many on the same exact day! 

My response to each of those : I never spent XXXX XXXX dollars at any gas station! Nothing in my banking history with Bank of America would suggest this. Chip cards can and are being duplicated, and skimmed I elaborated more on my attempts using my card, like normally for gas, and my card was not being accepted, or the machine telling me to pay inside. I normally just use another pump and it would work. For pin-based transactions, I would only assume that these thieves can make their own pin too, or have cameras to see my pin or zip code. I further explained that although I have been logging onto my online account there have been times I have also been locked out, even using my fingerprint. I called in a few times and was advised to clear my cache or uninstall and then re-download my app. 

I filed a police report although I don't know who did this and was told to fax over the police report. The rep at BofA didn't want to take the report number and add it to the file over the phone, again, odd. I was advised of any new information to contact them so they could add it to my investigation. I have attempted to assist this bank in all efforts to get my claim approved and closed as I did not authorize, or permit, or have any knowledge of my debit card or checking account in any capacity to be used. 

I have written to XXXX also because at this point BofA ignores me on social media and customer service just tells me the same thing with no date of resolution. At this time my rent is late, my car-note, and credit card bills are maxed because all my money has been stolen and BofA is not helping me at all.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX Account # XXXX Balance : {$140.00} I am writing to file a formal complaint against XXXX, XXXX, and Experian regarding inaccurate and unverified information on my credit report. Pursuant to the provisions of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], it is imperative that the information reported by credit bureaus be accurate, verifiable, and fair. Additionally, I bring to your attention the relevant laws of the State of Florida, particularly the Consumer Collection Practices Act ( FCCPA ) [ Florida Statutes XXXX ], which outlines stringent regulations concerning debt collection practices and the obligation of creditors to provide documentation verifying debts upon request. 

Despite numerous attempts and disputes, I have not received proper documentation or verification from either the debt collector or any of the aforementioned credit bureaus regarding the disputed account. This lack of verification is a blatant violation of my rights under both federal and state law. The inclusion of this inaccurate account on my credit report has had severe repercussions on my financial standing and has detrimentally impacted various aspects of my life, including but not limited to, my ability to secure favorable lending terms, obtain housing, and access other essential services. 

Therefore, I demand that the inaccurate account be promptly removed from my credit report in accordance with the FCRA and the FCCPA. Failure to rectify this matter expeditiously will compel me to pursue all available legal remedies to seek redress for the damages incurred as a result of the credit bureaus ' non-compliance with statutory requirements. 

I trust that you will treat this matter with the seriousness and urgency it warrants and take immediate action to rectify the inaccuracies on my credit report. I look forward to receiving confirmation of the removal of the disputed account immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

Describe what happened so we can understand the issue ... 
I have a chapter XXXX bankruptcy listed on my credit reports with all XXXX credit bureaus. According to FCRA 623 ( a ) ( 5 ), if the credit bureau can not VALIDATE the information, they must remove said information from my credit file. The United States Bankruptcy Courts DO NOT report any activity to credit bureaus nor do they verify that the information reported is accurate because Federal law protects the privacy of most personally identifiable information reported. Credit bureaus however actively search public records for any judgments and tax liens through third party research. I would like these markings of bankruptcy removed from all XXXX credit bureaus because of defamation, negligent enhancement of identity fraud, and violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I've been trying to log into Equifax for over a month and each time it's told me that I didn't have an account. I tried to add my info then it says that I have an account. When it says to try a RESET and I try that and they say it's going to send me a RESEST email and it never arrives. I've waited hours and checked SPAM to no avail. This can not be right. 

Bad enough they may have bad info but it's another that I can't get into the account.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX AND 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: Payday loan, title loan, personal loan, or advance loan

Hello, i am writing as i have a payday loan and have been making monthly payments and my balance has not change. The payment have gone over 6months and the balance stays the same to which i had to refinance to lower my payments and still no change in balance
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent accounts in my file that are reporting on XXXX, Equifax and XXXX Credit Bureaus. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXXXXXX XXXX  XXXX Balance : {$19000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : $ XXXX also the inaccurate personal information : XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a security freeze on XXXX XXXX and it hasn't been placed on and it has been 2 months.
Product: Student loan

I keep being asked to upload information about my loan discharge and every time i do upload it, they keep saying they do not see it or receive it. I originally have XXXX as my servicer but as soon as the loan discharge was approved, they sold my account to Aidvantage and now Aidvantage does not know anything.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED. ( XXXX XXXX, XXXX. XXXX, XXXX. Data, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX ) XXXX - XX/XX/year> - XXXX XXXX XXXX
Product: Credit reporting

Dear CFPB, I have received a response from XXXX concerning XXXX inquiries on my credit file. As per their response, XXXX XXXX, 2015, there should be only XXXX inquiries as per their records show. The CRA 's are reporting false information that is hurting my creditworthiness.
Product: Vehicle loan or lease

I was employed for 10 years at the same company. My employer passed away in XXXX from XXXX. It was a family owned business of his and his family decided not to keep it. Therefore we all got laid off as 1099 contractors no unemployment. I called Santander And told them about the passing away and how Im a single XXXX  of XXXX kids  Ive had two vehicles with them and I pay {$710.00} a month and Ive only got two years left of my seven year loan. I am pretty good at paying my payments on time, considering how high they are, I would say, I would rate myself that I pay time about 92 % of the time and thats just being honest. I called and asked if I could refinance they said no I called and asked if I could have a payment plan they said no I needed to pay {$700.00} right then and there I explained that I am playing catch-up from two months of bills and I dont have any help. I am trying to get assistance from churches but nobody helps with car loans And its crazy to me that after being such a loyal customer, theyre the only car loan company Ive ever been with and Ive literally been with them for as long as I can remember Im XXXX and I think I was XXXX when I first went with them Theyve messed up before in the past. I remember we all got a check because they were not paying their taxes or something of the such but it was a big loss, so Im not happy with the company because I dont really trust them but it was too much for me to try to go to a new company at the time because I owe so much with this loan, I think that they could at least work with a down payment like most credit card companies do most debt collectors do in fact, most companies I know will let you do a payment plan. Im scared to wake up and my car is gone and I get fired and cant feed my kids