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

I opened a new auto loan through Fifth Third Bank on XX/XX/XXXX through my dealer. There were several times that Fifth Third Bank lost my payments. I would call because I would get a late notice and it was very difficult to reach customer service to get it resolved or to make the payment over the phone. I also tried to set up auto payments so that I would not have the issue of the payments getting lost and that was also difficult to have a representative help me. I eventually refinanced the loan at a different bank. When my bank sent the payoff to Fifth Third Bank the payment was again not applied right away and the lien card was not sent to my financial institution in a timely manor. I have suffered a 30 day late on my credit because of it and it is costing me higher rates on other loans. I closed the loan on XX/XX/XXXX. This is unfair lending because it is costing me higher rates and lending for a service that they did not provide in a timely manor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried with no success having this account removed. They are reporting this bankruptcy account from a third party vendor and not the original Creditor and its unlawful for credit bureau 's to report an account from a third party vendor. I would like this account deleted from my file.
Product: Mortgage

I 'd like to add to your investigation of Wells Fargo scams. They owe me and my wife a months payment and refuse to correct the situation. Since they like to utilize various techniques to sidestep the issue and ignore a court order I 've been keeping a correct record that I can send to whomever your investigative officer may be. I 've been keeping this record since 2008 and send a letter asking them to correct this issue with each mortgage payment, which happens to be made a month in advance, each month. They boldly ignore my request to correct the issue then insult us by sending a letter stating their refusal of our proper request to credit our payment to the account. Bottom-line : They 've absorbed an entire mortgage payment and are avoiding responsibility for the missing money which my bank processed to their account regarding our mortgage.
Product: Checking or savings account

The financial institution is XXXX. 
In XX/XX/2021, the institution decided to no longer provide printed bank statements on accounts, deferring to online statements only. No notification of this change was provided to their customers, at least in a way that was completely transparent. A footnote on the back side of a statement is not reasonable, nor allowing a customer to know they need to take action to change this from being the way the account is being handled. 

At the same time, whether new policy or not, this institution has a policy of charging an " inactivity fee '' of {$5.00} if said account has not had a customer initiated transaction in 6 months. This policy is also not advertised openly. 

So, without any kind of notification to the account holder, this financial institution can drain an account for " inactivity '' effectively seizing the account holder 's funds at a rate of {$60.00} per annum. 

This needs to be resolved by instituting policy that either : 1. Requires a financial institution to treat " inactivity charges '' on an account as " activity '' that then requires the institution to send a printed statement to the account holder, and if there is a " inactivity period '' timer that is being used, the activity of taking an inactivity charge needs to restart that timer.

2. Prevent financial institutions from instituting " inactivity charges '' on accounts entirely.

3. If an account holder elects to have printed hardcopy statements delivered by US mail, that institution can not change that setting on the account without explicitly getting the account holder 's written approval.

This is an exploitive financial institution policy because : 1. This is very likely to most effect elderly citizens as they are less internet savy and may have accounts that they are holding ( like savings accounts ) which they use infrequently to keep their savings.

2. This policy is effecting other customers, such as non-profit XXXX educational institutions which have been prevented from having activity due to the pandemic requiring them to be shut down for externded periods. 
3. Taking fees ( transactions ) from an account without treating those transactions as " activity '' is deceptive and underhanded banking practice.

Simply put, the point of having a banking institution have your bank account is to keep your money " safe ''. If the financial institution is able to take your money without notification and persist on doing so on a monthly basis is not safe for the financial institution consumer.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy of the information you report. Several dispute requests have been sent to the credit bureaus with no updates on any of the investigation results, so maybe you can help me to get some updates here. The following accounts are inaccurately reported : My disputes are attached that has been mailed out the last couple of months to the credit bureaus. 

Your lack of proper investigation and continued inaction is also a violation of this provision. In XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX 190 F. Supp. 2d 81 ( D. Mass. 2001 ), the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. Given your ongoing noncompliance, you are liable for damages caused by the continued inaccurate reporting.
Product: Debt collection

Hello, in XX/XX/XXXX & XX/XX/2017, I had a 60 & 90 day late balance of my credit card ( XXXX XXXX Card ). I was XXXX at the time, and never received and notification of billing or late debt despite leaving my forwarding address with my homestation 's post office. I received no billing, and noticed a massive drop in my credit score in XX/XX/2017, where I then investigated, paid the debt, and followed up with my post office. I did everything I knew to do in order to receive my mail/bills, but was in a XXXX environment and was never made aware of any debt or late payments. It's been over a year and it still isn't back to where it was. I'm interested in purchasing property and my credit score will affect my interest rate for a loan. I was interested to see if there are any options available to remove this negative impact to my credit score. Thank you for your time today.
Product: Student loan

I attended XXXX  college in XXXX XXXX from XXXX to XXXX. While attending this school I had taken all student loans to be able to afford my education. I have not nor was I ever able to get a job in the field that I graduated for and now I am unable to obtain transcripts or any further information about my enrollment or completion of that program and have loans that I have to repay. Its also going to cost me additional monies to achieve the same goal and retake classes and I have already completed which now I have no proof and can receive credit for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to Experian requesting removal of the following incorrect name and addresses on my credit report. The incorrect information is listed as of XX/XX/2022 via the Experian provided credit report : XXXX.
Product: Credit reporting or other personal consumer reports

15 USC 1681C-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. Please honor my request and remove these accounts from my credit report immediately.
Product: Credit card or prepaid card

I was suddenly starting to see {$10.00} charges as of XX/XX//2017 without any notice from Wells Fargo credit cards when I purchase from XXXX. I don't have a problem being charged fees but I do have a problem when I am not notified and can not change my consumer behavior. I would not have made a {$18.00} purchase if I knew it would generate a {$10.00} fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have a TWIN Brother they keep getting everything switched up on both of are credit files we are 2 different people I have reached out to all the companies pertaining to the incident.
Product: Credit reporting or other personal consumer reports

I attended XXXX XXXX beginning in XX/XX/2006. 

There is a lawsuit against XXXX and XXXX XXXX and it was proven that deceived students. XXXX is still on my credit as a charge off. I would like to be removed under the laws that were passed recently.
Product: Mortgage

We are a law firm that represents Hurricane XXXX Victims. We have achieved a settlement for our client. We are listed as a payee on the settlement check as well as JP Morgan Chase. JP Morgan Chase refuses to endorse the check so we may recover our contractually obligated fees and expenses.
Product: Debt collection

Case File No :  XXXX  Outstanding amount : {$910.00} Dear Debtor, This is regarding the loan amount of {$300.00} which you have borrowed from the company named   XXXX   XXXX   and never intended to pay it back. {$910.00} is total outstanding balance on your name including the late payment charges,  Interest charges and NSF charges. So your file has been forwarded to the Legal Department as a final reminder to settle this case outside the courthouse. If you  are willing to settle this case then the company can work on it with you in order to close this case file. After closing this file you will be forwarded a Paid in Full ( PIF ) Receipt at your mailing address with a No Objection Certificate ( NOC ) from the Major Credit Bureaus that the case file has been closed with paid in full.  <P/> If not resolved then the best we can offer you is to be present in the courthouse as will be mentioned on the summons which will be forwarded to you within  Seven Working days after the petition is filed against your name.   <P/> Should have any assistance regarding this case you can reply back on the same email.  <P/> Do revert ASAP in order to avoid legal consequence on your name and SSN.  <P/> Thank You.     XXXX   XXXX  .
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX offered me XXXX tickets to an XXXX XXXX football game for XX/XX/XXXX. I sent her the money via Zelle XXXX XXXX XXXX ) and she will no longer return inquiries.
Product: Mortgage

I opened a mortgage with Primary residential mortgage in XX/XX/XXXX. I made my 1st payment in XX/XX/XXXX on the primary residential mortgage website. Little did I know they had turned the servicing of the mortgage over to a company called XXXX XXXX. When I attempted to make my XXXX payment that is when I was informed they are turned over servicing to the other company. XXXX XXXX is showing I never made my XXXX payment so every time I make a payment they apply it to the month before and I have to pay a little early to avoid it showing 30 days late while they are researching what happened to my payment. Which for months they have not been able to resolve even though I have provided proof of the payment to them. Now my credit score just dropped XXXX points and when I look to see why it is because Primary residential mortgage shows on my credit report as an open mortgage and so does XXXX XXXX so it appears I have 2 open accounts I do not. Also now Primary mortgage shows that my XXXX payment was 30-60 days late on my credit report but the XXXX payment was made to XXXXXXXX XXXX. When you attempt to call XXXX XXXX you are routed through 35 minutes to be exact of automated system after automated system just to be put on hold waiting to speak to someone for another 30 minutes. They told me the 1st few times that the payment would be sent over to them and it will clear up on its own. The last time I called they told me I would have to call primary residential mortgage myself to find out what happened to my XXXX payment??? Which I did and they filed a ticket to track it and in the mean time they now show a late payment for XXXX which was paid to the XXXX XXXX XXXX. I need help with this mess. this company is a mess and it should not be my issue as the consumer to track down a payment I made and they screwed up. Falsely reporting a late payment for XXXX which is separate from the missing payment and showing 2 loans on my account.
Product: Debt collection

Related complaints XXXX XXXX This unknown party continues to call and harass me by " robocalling '' me via my mobile phone. The calls appear to come from ( XXXX ) XXXX and the message left on my voicemail informs me that I must call ( XXXX ) XXXX. 

Each message left over the past three days is different, integrating a voice-recording with " robocall '' audio of some data ( e.g. my name ; reference file number ). 

Today 's call appears to threaten me that my employer, and specifically the human resources department, will be contacted regarding claims made by this unknown party. The unknown party also threatens, via a pre recorded audio file, that failure to respond will forefit my " right to take care of this matter outside of your county '' and " will result in an order for your appearance. '' The information about this unknown party is very limited and a cursory search online has not led to verifiable information regarding the identity of this unknown party. 

The full transcript of today 's message is as follows : -- -- -- This message is intended for XXXX XXXX. I need to verify a current address as well as a place of business address to move forward with the next procedure. At this time you are forfitting your right to take care of this matter outside of your county. 

We may be contacting your human resources department to follow proper protocol to deliver your paperwork on the property. 

Again, the client is willing to rectify this matter if they hear from you today. Their number is XXXX. For reference your case number XXXX. Non compliance will result in an order for your appearance. This is our third attempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep receiving emails from Equifax that my dispute has been resolved, but I cant access my results because they STILL have all the incorrect information. 

This is a folIow up complaint to # XXXX-XXXX Because you can only dispute 5 items on the credit report, theyre only investigating the 5 even though I have indicated that every record theyre reporting is incorrect. 

Equifax has been aware of this issue with this same woman since XX/XX/XXXX and when she was convicted of it in XX/XX/XXXX I sent the court paperwork to them for my file and THEY CONTINUED to report inaccurate/fraudulent information on my credit history!!

Ive been waiting 9 years for Equifax to get fix my account and I find it COMPLETELY UNACCEPTABLE that they arent removing this information IMMEDIATELY given their knowledge of this goes back to XX/XX/XXXX. I think Ive waited long enough. I cant fix or dispute any other accounts if I cant access the results or my credit file online. They dont get 30-60 days because theyve already had 9 years! 

THIS. IS. INSANE.
Product: Payday loan, title loan, or personal loan

Please refer to complaint numbers XXXX and XXXX. World finance has failed to provide any proof of the alleged debt in said complaints. I have sent the corporation a 3rd letter which it received by certified mail which it have yet to respond. World finance also told the CFPB that I owed a debt but has not provided proof of any debt. I have received a copied contract that shows proof I participated in a consumer credit transaction that somehow turned into a loan. It also provided an accounting history that shows proof of extortion. World finance also continues to communicate with credit reporting agencies after the corporation were told to cease all communications in which it told the CFPB it would. World finance is in violation of the TILA, FDCPA, FCRA, GLBA, and MTPA. I have attached several documents showing proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on the stated accounts for months. The credit bureaus refused to reverse the late payments. I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP .. XXXX/XXXXXXXX   XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for failing to conduct a proper investigation of a dispute I submitted regarding inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) and Federal Trade Commission ( FTC ) guidelines. Under the FCRA, specifically 15 U.S.C. 1681i, Equifax is required to conduct a reasonable investigation of disputes and ensure the accuracy of reported information. Despite providing supporting documentation, Equifax did not properly investigate the dispute, nor did they notify me of the results within the required 30-day period as mandated by 15 U.S.C. 1681i ( a ) ( 6 ). Additionally, the FTC requires credit reporting agencies to maintain accurate information, which Equifax has failed to do in this case. As a result, I demand that the inaccurate information be deleted from my credit report immediately, in accordance with 15 U.S.C. 1681i ( a ) ( 5 ), which mandates the removal of unverifiable information. I request that the CFPB investigate Equifaxs failure to comply with the FCRA and FTC guidelines, and that they take corrective action, including the deletion of the disputed items from my report. 
Account # ... XXXX Bank XXXX XXXX Account # ... XXXX XXXX XXXX  Account # ... XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

In several occasions including XX/XX/18, a representative named XXXX, has contacted me via telephone while at work. She has been very rude with insults, profanities, and threats. While attempting to resolve the default situation with XXXX, I have asked XXXX for her superiors contact information to resolve the issue with someone else without insults and threats. She has refused to give me the information. Upon refusal to speak with XXXX, she began calling my mother and father along with her third part affiliates. She disclosed information about my debt in violation of fair debt collection acts. She has contacted them on numerous occasions despite being told in writing to cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting inaccurate late payments on my account. This debt was paid back in XXXX of 2020 and they are reporting late payments on XX/XX/2020 & XX/XX/2020. This is erroneous! These lates need to be removed off my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Checking or savings account

Cashapp closed my account without giving me any reason as to why it was closed
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I got a Title Loan through XXXX XXXX XXXX. A couple of years after I got the loan I had some financial struggles and asked them to just com and get the vehicle. In the last 4-5 years I have told them to come get the vehicle in place of me paying on the loan. They refused to obtain possession of the vehicle back in XX/XX/XXXX so I kept the vehicle. It is a hinderance to my credit and just keeping. They still have the title for it so I can not trade or sell it myself. They broke the contract when they failed to come and get the vehicle back in XX/XX/XXXX. Now they are reporting month over month as a charge off. So they have already written this off as a tax write off but still want me to pay them when I have told them numerous times they could get the vehicle. I want all accounts associated with XXXX XXXX XXXX   removed from my credit file. They are reporting a loan account they can not even find in their system but yet continue to validate it with the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX the proof that there investigation was not done properly and they are reporting in accurate data on my report. 
Letter from the Bank advising it was not a charge off. 
Bank statements with proof of payment on the months are they reporting late. 

The account was never charged off or late. 
It was settlement due to Covid 19.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cardinal Financial Company LP and or XXXX was never authorized to pull my credit. Please see the attached pdf that does not provide concrete evidence that I approved this credit pull. Once you review the attachment, have Cardinal Financial Company LP and or XXXX provide proof that I authorized a credit pull. When Cardinal Financial Company LP and or XXXX fails to provide concrete evidence that I authorized a credit pull, please remove their credit pull from all credit bureaus.
Product: Checking or savings account

I have filed two disputes with SunTrust Bank regarding two separate debits through my debit card. The first dispute filed on XX/XX/2020 ( dispute ID XXXX ) and the second dispute was filed on XX/XX/2020 ( dispute ID XXXX ). SunTrust 's stated policy ( and possibly federal law ) requires them to fully resolve each issue within sixty days. Far more than that has elapsed and, although I did receive provisional credits for each charge, they have not yet finalized either dispute. Numerous telephone messages that I've left for their representatives have gone unanswered and numerous written inquiries mailed and e-mailed to them have gone unresponded to. I now seek the CFPB 's assistance in getting SunTrust to formally respond to and resolve these disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following US DEPT ED XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT ED XXXX XXXX XXXXXXXX XXXX XXXX XXXX FRAUDULENT items to appear on my credit reports : I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.