23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

MEMO TO : XXXX XXXX, Co Founder of XXXX, XXXX XXXX XXXX XXXX American First Finance XXXX XXXX XXXX XXXX American First Fiance XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, CFO of XXXX XXXX XXXX XXXX XXXX XXXX, Chief Operating Officer of XXXX XXXX Customer Service, XXXX XXXX XXXX, Chief Legal XXXX of XXXX XXXX XXXX XXXX Customer Service, XXXX FROM : XXXX XXXX XXXX XXXX : Federal Trade Commission, File # Florida XXXX XXXX XXXX File # Consumer Protection Agency, File # Consumer Financial Protection Bureau, File # Federal Trade Commission, File # DATE : XX/XX/2023 RE : American First Finance Loan # : XXXX. The loan servicer will not accept my credit card payment for the final loan payment. 






I am writing this letter to the executive leadership team of XXXX, the financial holding company of American First Finance, and to report to Consumer Protection Agencies listed above to inform of the deceitiful and injustice policies of American First Financial maintains. 

I took out a XXXX  days loan of {$990.00} to purchase a refrigerator on or around the second week of XXXX which has an Early Purchase Option Amount in which I have 0 % interest loan. To avoid balloon loan payments that will double the cost of the initial purchase to {$2000.00}, I called and spoke to the American First Finance Representative and asked to make a credit card payment to pay off the balance on the account of {$470.00} - see below. The Representative stated that the company can NOT accept credit card payments only debit card payments. I asked her to explain why credit card payments are not a form of payment and she could not explain the policy. I asked to speak to her manager, and I was abruptly disconnected. 

Using a credit card is a legal monetary tender, and I was denied the right to use this tender. I recognize there is a nominal fee associated with the credit card transaction and I am happy to defray the fees associated with using a credit card. I believe American First Financial uses the no credit card processing policy as a deceitful and unfair policy to keep the American public indebted to their financial institution. Again, if I do not make payment by XX/XX/XXXX, my loan balloons to {$2000.00} even if I owe {$470.00}. 

Due to the time-sensitivity of this letter, I am requesting the senior leadership team of XXXX and/or American First Financial to address my concerns by emailing me at XXXX or XXXX to resolve this matter in a timely fashion.
Product: Credit card or prepaid card

I have been trying to Get a Credit Balance from From 2 US bank Branches in Ohio But to No avail. I will Not Wait 2 weeks to get my Over payment Balance. This is Decptive and out right fraud. They are making money on my money ... ... ... ... ... ... .. I Demand my Money with in 3 days
Product: Credit reporting or other personal consumer reports

Accounts that are closed is still being reported as late or open.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is the only credit bureau reporting the XXXXXXXX XXXX account. According to the Fair Credit Reporting Act this account does not qualify to be reported to my credit file due to it being inaccurate. This last dispute I attached a copy of the letter from XXXX showing they do not own this account and have no right reporting this account due to inaccurate and fraudulent account information. XXXX and XXXX have removed this account and followed the Fair Credit Reporting Act guidelines. At this point Transunion accept liable for punitive damages to my credit file if account is not removed immediately. I have attached a copy showing where Credit bureau have removed this fraudulent account.
Product: Credit card

Summary of Incident : We reserved XXXX passenger vans online for a group of XXXX people through XXXX XXXX XXXX XXXX XXXX for XXXX dates November XXXX XXXX. The pickup was scheduled at XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX 

XXXX days before our trip, XXXX XXXX XXXX canceled our reservation and referred us to XXXX XXXX XXXX XXXX XXXX, who agreed to rent us XXXX vans for the same dates at a total cost of USD {$500.00} ( all-inclusive ). We paid this amount in cash at the time of delivery at XXXX XXXX XXXX. 

At the time of delivery, XXXX XXXX XXXX XXXX XXXX requested a guarantee deposit of XXXX XXXX XXXX ( USD {$4700.00} ) per vehicle, supposedly as a hold to ensure the vans would be returned in good condition. We ( myself and XXXX XXXX ) provided our XXXX Citi Cards for this purpose. However, instead of placing a hold, they charged the full amount on our credit cards. 

We returned both vans on time, in perfect condition, with full fuel tanks, at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX agents confirmed the return and condition of the vehicles. At the time of return, they asked for XXXX XXXX XXXX as a deposit for any possible infractions or tickets. We negotiated this down to XXXX XXXX XXXX, which XXXX paid using his XXXX XXXX credit card. They promised the guarantee charges would be reversed within XXXX business day. 

Despite multiple follow-ups, the guarantee charges were never refunded. 

Worse, in response to our billing dispute, they now claim to be a carpentry company called XXXX XXXX XXXX and submitted what appears to be a fake contract for carpentry services at XXXX XXXX XXXX, XXXX XXXX XXXX, with forged signatures. 

It appears that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX may have worked together in this fraudulent scheme.
Product: Credit reporting or other personal consumer reports

The following accounts have violated my federally protected rights to privacy and confidentiality under 15 USC 1681 : 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 XXXXXXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) [ Incomplete/missing details ] **** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Incomplete/missing details ] **** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Incomplete/missing details ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Incomplete/missing details ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ Incomplete/missing details ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 [ Incomplete/missing details ] Upon reviewing my XXXX credit report on XX/XX/year>, I found incomplete and inaccurate information. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies must follow reasonable procedures to ensure the utmost accuracy of information in consumer repo

rts ( 15 USC 1681 ( e ) ( b ) ). Under 15 USC 1681 : Consumer reporting agencies are required to promptly delete or correct inaccurate or unverifiable information after a consumer dispute ( 15 USC 1681i ).
They must promptly inform the information provider if any information has been modified or deleted due to a dispute ( 15 USC 1681i ). 
Consumer reporting agencies are prohibited from providing information to any consumer reporting agency if they know or have reasonable cause to believe it is inaccurate ( 15 USC 1681s-2 ).
Product: Vehicle loan or lease

Natural Person/Original Creditor : XXXX XXXX Reference Number : XXXX Reference Number : XXXX On XX/XX/2022, and XX/XX/2022, I applied for credit for an auto purchase. I was denied but, never sent an adverse action letter explaining why. It shall be unlawful for any person or organization to discriminate against an applicant. My SSN Belongs to the ( SSA ) Social Security Administration and any purchase made with that identifying number is an obligation of the United States pursuant to 18 USC 8.

Pursuant to 15 USC 1602a ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Keep in mind impersonating a creditor is a federal crime. I am the original creditor. 
Pursuant to 15 USC 1602a ( l ) a credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. I initiated a consumer credit transaction using my SSN/credit card for personal, family, and household services. This is my demand for the credit I applied for and your opportunity to cure.
Product: Credit reporting or other personal consumer reports

In XXXX of 2023, Ally Financial reported me as being delinquent two payments on my vehicle. This was shocking as since the inception of the loan several years prior, I had set them up on auto pay and had never been late. I checked my bank account and both payments had been swept on time and cleared. I provided confirmation numbers to Ally, but they insisted these payments had not been made. Upon further investigation with my bank, XXXX XXXX XXXX, I learned that at some point in XXXX, the two organizations changed the manner in which they transfer funds electronically ( or not ) between each other. Without alerting consumers, they changed this method, to what I believe may a manual check process. Addresses were provided unbeknownst to me between the organizations, several of them wrong, with checks being returned and reissued multiple times, again completely without my knowledge. Once I was finally in the loop, I made an immediate payment over the phone plus penalties ( and have still not been reimbursed by either organization for that ) to catch up. XXXX XXXX XXXX issued an immediate good faith letter for their role and Ally assured any negative impacts to my credit would be handled. I was in the process of buying a home, and as I have few credit lines, this single event dropped by score by XXXX points. Ally did nothing in the 6 weeks I was closing to assist in clearing up this issue, and in fact, continue to refuse to correct it, even after I disputed the negative reporting with all three credit bureaus. I have contacted Ally on multiple occasions by phone, each time they claim to have not received the good faith letters from XXXX XXXX XXXX, even though they have been faxed multiple times, I have provided them via their website, they were on the phone with the bank directly etc. Additionally, after receiving their letter stating that they were not changing their credit report on the incident, they have no physical address available to address future letters to, and their online portal did not recognize my account be email or username. After calling again and being told there is no way to send a letter, I threatened legal action, and then, and only then did they provide a XXXX XXXX XXXX of which I doubt I will ever receive any response to. I asked for a physical address or any address a certified letter can be sent to as was told it does not exist. Massive financial organizations like this hope to wear consumers down by making communication and information nearly impossible. These inaccurate negative reports have hugely impactful real world implications to me and all, and I appreciate any help you can provide in this process. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint XX/XX/2022 for identity theft and improper use of reporting credit with Consumer Financial Protection Bureau. I understand that XXXX, Transunion and XXXX assumed a vital role in assemble information on me as a federal protected consumer. XXXX, Transunion and XXXX is impeding the banking system. XXXX, Transunion, XXXX is not invested in ensuring that my credit report is fair and accurate 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). You ( XXXX, Transunion and XXXX ) are impairing the efficiency of the bank system. I have lost confidence in the system because the system is not vested in ensuring accurate consumer reporting. I didn't give permission to report the following information which puts you ( XXXX, Transunion and XXXX ) in violations. I didn't give you permission to report late payments, charged offs, inquiries, bankruptcy, etc. Please remove these items immediately not later than 4 business days 1681 ( c ) ( 2 ). I never gave consent to XXXX XXXX verification. Agency is not suppose to rely on the information provided by the furnisher of that item when doing an investigation. They have to do a independent investigation of the information being reported. They suppose to conduct personal interviews. They must notify me who they're going to contact to conduct these interviews 15 USC 1692 ( b ). 15 USC 1611- Criminal liability for willful and knowing violation. XXXX has cause intentional infliction of emotional distress, invasion of my privacy, fraud, negligence, breach of duty and conversion ( use of information without permission ). I will like to sue for compensatory damages, punitive damages, injunctive relief and emotional damages.
Product: Debt collection

I would like to file a complaint about COLLECTION CENTER-WYOMING XXXX XXXX XXXX, XXXX, WY XXXX I had 2 bills from XXXX Hospital XXXX  XXXX from XX/XX/XXXX. The bill of {$1700.00} was refereed to collection. However both bill ( {$1700.00} and {$600.00} ) were later on paid Workers compensation insurance ( since I acquired them through a work related injury ). Several months after Worker 's comp paid the hospital, the collection bureau was still showing balance of {$1700.00}. I contacted the original creditor XXXX Hospital and asked them to forward information that the bills were paid. The hospital informed me, they already did that and the collection agency shouldn't be reporting it. As of XXXX my balance with them is XXXX. I contacted the collection agency again and they said that " it still shows in their system ''. Then I contacted XXXX and filed a dispute. Several weeks after that the balance on my collection account dropped to XXXX, but stayed on my credit report. I contacted XXXX again last month ( XX/XX/XXXX ) to remove the collection from my credit report since the balance is {$0.00}. I guess the XXXX interfered. After that, the collection agency added unpaid balance of {$540.00} to my credit report. I have no clue where did it come from, since I did not receive any additional bills from XXXX Hospital. I called XXXX Hospital again, and was told I don't have any outstanding balance with them. AGAIN, the collection agency shouldn't be reporting any balance. I believe the collection agency is very well aware the bills were paid and I own nothing to XXXX hospital   and definitely nothing to to them and they continue fraudulently reporting already paid balance, hurting my credit and financials. I consider this a form of harassment and attempt to extort money I DO NOT own. What are neither good, neither legal business practices. Thank you
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX & XX/XX/2018 FOR 30 DAYS LATE???

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Debt collection

At the time I was married and under XXXX XXXX. The XXXX balances under XXXX XXXX should have been paid by XXXX XXXX health insurance in which I was under at the time. i do not understand why they have this on my credit report. i do not owe this money to them, they should have been paid in full with his health insurance. The hospital has this information in file since I had XXXX surgeries XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX at that facility!
Product: Checking or savings account

My XXXX Account dipped below {$500.00} on XX/XX/year> to {$260.00} then on XX/XX/year> i deposited {$230.00} which gave me a total of {$500.00}. I was charged {$8.00} on XX/XX/year> for a monthly maintenance fee so i called and was told i needed to maintain {$500.00} daily balance, i told the agent i thought it was a monthly so that was a surprise. The agent waived the fee as courtesy and i thought this issue was done. since then i have been charged a monthly maintenance fee due to this original Fee every month. XXXX on XX/XX/year> then waived on XX/XX/year> and now another fee charged on XX/XX/year>. attempted to call today to get this waived and find out how to get this resolved as i did not want this to happen each month. I was told by XXXX ( supervisor ) that they were unable to waive more late fees even though this late fee was caused by their late fee charged on XX/XX/year> which was agreed to be waived.
Product: Credit reporting or other personal consumer reports

I have disputed these account for the last XXXX months. Literally nothing has been updated. I have attached a XXXX bureau credit report table showing all of the errors in my credit report. These accounts are filled with errors and need to be deleted immediately.
Product: Vehicle loan or lease

I set up autopay, for a few days before my due date, while on the phone with a Kia representative. Great- payment went through with the info I entered, no problems. The next month, they said the payment was rejected by my bank and waited until 1 day after the due date to tell me, charged me a {$15.00} rejection fee. I went online, clicked " pay bill '' ... .did n't enter different information, used everything Kia had already to make the payment ( meaning my 14 digit checking acct. # was saved to my Kia acct. properly ). There was no reason Kia couldn't have processed the payment, but they processed it with only 11 of the 14 numbers. I called Kia and they assured me it was fixed and wouldn't happen again. Next month... same thing. I had to call Kia 6 times to get it sorted out. They shut down my online acct. less than 24 hrs. after my due date so I could not pay online and when I asked to be transferred to online help to see why the autopay wasn't working and find out why I was couldn't pay online, they transferred me to a third party collection agency, XXXX, and they wanted a {$7.00} fee to process the payment over the phone, plus the late/processing fee of {$15.00}. I was assured my autopay was set-up correctly by Kia, and then they charged me late fees because they didn't process the payment correctly. I begged them to waive the fees, and they did, but rfused to allow me access to my acct. or transfer me to any other dept. except collections until my payment processed. Collections after less than 24 hrs. late... .with autopay set up correctly.
Product: Mortgage

I have an equity line with PNC. They acquired my loan when they purchased RBC Bank. I have always had trouble paying my equity line. They only allow me to make future payments. They do not allow me to pay my principal in any way that I have found thus far. I called them directly on several occassions and they have no intention of resolving the issue. I was told I have an " old '' loan and therefore have no options for paying the principal except mailing a check with some letter of explanation as to my desire to pay the principal.
Product: Debt collection

i sent them a letter requesting validation that they received certified XX/XX/XXXX of 2018. i told them by law they had 30 days to respond in receipt of this letter they signed for certified with validation with a contract bearing my signature. That would prove that i had some kind of contract with them. There first violation was that they sent me a copy of an alleged contracted with a huge " copy '' sign on it. Secondly, i pulled my credit report on the 31th day to see that they didnt comply and that they only updated 2 out of 3 of the bureaus as " disputed ''. This is a clear failure to comply and i have all the evidence.
Product: Student loan

I sent my paperwork to XXXX  XXXX in XXXX for Public Loan Service Forgiveness. They approved my employers and pulled my account from XXXX ( who had everything in order ). I tried calling them to check status a few months later and they told me it could take up to a year or more and I wasn't a priority. It is now XXXX and I still have no idea where I am at with the 120 payments. In addition, I sent my Income Based Repayment paperwork to them last month and haven't heard anything on that either. I am concerned because I have read complaints that this paperwork doesn't get completed timely either. I do not want to put my loans in forbearance because they can't keep up with paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number:XXXX Account Name : XXXX  XXXX  Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX/ XXXX XXXX XXXX AND XXXX XXXX # 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 1681q Obtaining information under false pretenses shall be fined under title 18 and imprisoned for not more then 2 years, or both. Failure to remove these accounts within the next 4 days upon receiving these receipt. Will be put on notice of a law suit that within my rights.