23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I mobile deposited a check I received from the dealer as a reimbursement for dmv fees regarding the purchase of my truck. The check sat through a  XXXX day hold and was credited to the account, they took out what I was overdrafted and a balance of {$810.00} was left out of {$870.00}. That same day my accounts online/mobile access was blocked. I immediately called and asked why the block was put on my account, when I was then told that my account was under an initial review by the back office team and I would receive something in the mail. I was told it would be 4 days and theyd have it done on XX/XX/XXXX. On XX/XX/XXXX I called again to see what was going on and because I still had not received any written correspondence in the mail in regards to the availability of my funds or the reason my account was blocked. I was told there was nothing that the representative could do for me and theyd note the account of my call but that they had to get in contact with the back office. On XX/XX/XXXX I called again because I had not heard nor received anything about my account or availability of funds. The representative I talked to told me that my account was still under review and they would note my account. On XX/XX/XXXX I called again and was told that my account was still under review and that my deposited check is being returned, when I asked for more information I was told that was all they had and theyd note the account and Id receive written correspondence about it. On XX/XX/XXXX I called again and brought to there attention Federal Law, XXXX XXXX XXXX XXXX XXXX XXXX XXXX section XXXX & XXXX & XXXX regarding the expedited return of checks and notice of returned checks, because the check was still in my available purchasing power but being withheld from me. I also brought to there attention in the XXXX Edge Account Agreement subpart G Availability Section [ i ] [ XXXX ] [ XXXX ] [ XXXX ], XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ i ] [ XXXX ] [ XXXX ], which proves the check has not been returned because it wouldnt be in my account under available purchasing power. They continue to keep the block on my account and refuse to release the funds to me, still as of today my balance shows {$810.00}. I asked for a complete source of receipt today XX/XX/XXXX showing the returned check, which they refused to provide me with. I brought to there attention Federal Law, Regulation CC Subpart B-AVAILABILITY OF FUNDS AND DISCLOSURE OF FUNDS AVAILABILITY POLICIES Sections XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I continue to get nowhere by having verbal correspondence with them and they continue to violate my rights under federal law as well as their own account agreement.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing regarding the referenced account listed under ( XXXX XXXX XXXX ) ACCT # ( XXXX ), which is currently being reported as a charge-off on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt.

Additionally, I am formally requesting confirmation on whether this debt has been canceled or forgiven. If it has been, I request appropriate documentation to that effect. According to IRS guidelines, creditors may issue a 1099-C form for canceled debts, regardless of balance, when specific criteria are met.

Please confirm whether this debt has been canceled and provide the appropriate documentation. If this debt has not been canceled, I request full validation, including but not limited to : -A copy of the original signed contract or agreement.

-A detailed account history showing how the balance was calculated.

-Proof that your organization has the legal right to collect this debt.

Failure to provide adequate validation or documentation of the debts status will be considered non-compliance under federal laws.
Product: Credit card or prepaid card

I had a store card that was financed through Comenity Bank. I always pay my bills online but this card I never could, so I would have to call in to pay. In XXXX, I was one day late and then got a bill for {$22.00} in late fees and interest. So, I called into pay this late fee bill that I only just received and discovered I am late again and next month will have another higher late fee and interest charge on this interest fee and late charge. I called and was told the reason I can't pay it online is because, while I am registered with the store website, I am not registered with Comenity. In order to register with Comenity, they need to send me something in the mail. Which no doubt will make my next late fee late. This to me appears to be a scam. They should not be allowed to send bills late and then demand exorbitant late fees. Please stop these unfair practices.
Product: Payday loan, title loan, personal loan, or advance loan

I purchased a vehicle in XX/XX/XXXX, and financing is through Toyota financial services. My payment was fixed at {$660.00}. For the first 23 months, via auto pay on their site, I paid {$700.00}. Each year, I'd request end of year statements to file my taxes because my car was used for work. Each year, I'd notice the extra payment wasn't being applied adequately. I'd demand they address it. I stopped making the additional payment and continued making monthly payments via auto pay. In XXXX, XXXX, I requested documentation for XXXX, and noticed the first 3 months payments were applied to interest and nothing to principal. Fourth month, {$50.00} applied to principal. This bank is committing a felony by embezzling my money. I've reported them to the AG, but there's no promise my stolen money will be returned. This isn't a private lawsuit. They're committing a crime.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint due to Metro 2 compliance violations by Equifax, Experian, and TransUnion. The accounts and inquiries I am disputing are not being reported in full compliance with Metro 2 data formatting standards, which means they must be removed immediately under FCRA laws.

I have attached Metro 2 Compliance Challenge Letters requesting the immediate deletion of inaccurate and unverifiable items from my credit report. The credit bureaus are required to either prove Metro 2 compliance within 5 business days or delete the accounts immediately.

I am requesting CFPB oversight to ensure these credit bureaus comply with Metro 2 reporting requirements and remove all non-compliant negative accounts and inquiries from my file within 5-7 days.

Thank you for your prompt attention to this matter.
Product: Payday loan, title loan, or personal loan

About two years ago I took out a loan from moneymart. I was unaware these types of loans are illegal in Arizona. I have paid thousands in interest At a rate of more than 100 %. The statutory maximum in Arizona is 36 %. The lending disclosure forms clearly show the interest rate is more than 100 %. Since this loan is illegal in Arizona I would like the remaining balance to be voided. I have paid back the original loan and a large amount of interest.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXXXXXX XXXX, I do not have a contract with National Credit Adjusters LLC , they did not provide me with the original contract as requested. Correction to my credit report, I demand this account be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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 or other personal consumer reports

XXXX XXXX XXXX has been reporting missed payments for XXXX years on my account which is false and a lie. I have never missed a payment and I sent several disputes and nothing has been resolved yet. My account was on auto pay that the set up I also over paid for my car and want my money back
Product: Credit card

Received an digital letter on XX/XX/22 from Sybchrony Bank stating that they are closing my account due to credit worthiness even though I have never been late and have paid the balance off in full. 

Whereas my friend, who is white, has been delinquent for over XXXX months and to this day he has not received a letter of closure. 

Why then would they close the account of a good standing individual and not the one paying their bills? 

They did the thing to my Lowes account last month even though I paid it on time and rarely was late. 

This is discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have repeatedly notified capital one of fraudulent charges and attempted to freeze the account and now tried to close the account. 

Capital one is still harassing me about charges to the account. Its internal fraud. They wont stop it
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 XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXXg of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX. {$400.00}, XXXX XXXX XXXX : {$600.00}, XXXX XXXX XXXXXXXX {$580.00}, XXXX XXXX XXXX : {$210.00}, XXXX XXXX : {$120.00}, XXXX FS XXXX XXXX : {$980.00}, XXXX XXXXXXXX XXXX XXXX : {$150.00}, XXXX XXXX XXXX : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  sent a final statement in the amount of {$1200.00} with a due date of XX/XX/22. I was unprepared to pay the amount, as my normal payment is {$350.00}. However, I received a deferment due to COVID-19 hardship and was informed that the final payment was higher because it included those two months rather than the number of months being extended as I initially thought when I requested the deferment. Given the surprise increased payment, I could only afford to make my normal payment that month ( XXXX ). The remainder amount ( {$860.00} ) was paid on XX/XX/22, which was a Sunday. Unfortunately, XXXX XXXX XXXX  payment cutoff time is XXXX XXXX  Monday-Friday ; therefore, they do not process payments on the weekend, which is when the due date would have been for being considered 30 days late. The following Monday ( XXXX ) was also XXXX XXXX and XXXX XXXX XXXX  does not process payments on holidays. Therefore, the payment was not processed and posted until the XXXX. Given that XXXX XXXX XXXX  offers no method for receiving/processing payment on weekends ( which would have been the due date for being considered 30 days late ) and given that they were also closed the following Monday for payment receipt/processing, I do not believe that my payment should be considered 30 days late for any purpose, including credit reporting purposes. According to Regulation Z, Part 1026, the creditor may generally not treat a payment received the next business day as late for any purpose when the creditor does not receive or accept payments on the due date.
Product: Debt collection

On XX/XX/year> this debt was paid in full over the phone. They told me they would remove it from my credit report and not only is the debt still there, it is not showing its paid and it is still showing negative remarks
Product: Credit card

This is in regards to my Care Credit account which is a credit card. Care Credit is a subsidiary of Synchrony Bank. There was a fraudulent charge on my account for {$750.00} on XX/XX/XXXX from XXXX in XXXX, CA, I live in XXXX Ohio. Care Credit is not allowing me to make a payment on my account for the balance that I had prior to the fraudulent charge. Care Credit has admitted that they have mishandled my account while investigating the fraud and due to that are now unable to take a payment. They are advising me that I now have a credit on the account and there is no balance owed. I spent 1 hour and 40 minutes on the phone with them today to find out that their Risk Department has mishandled my account, they do n't know when it will be fixed and they ca n't take a payment because it states I have a {$0.00} balance. The representative on the phone advised that the only recourse with the company that illegally used my information was to get a lawyer. No resolution was provided or ETA for the errors caused by Care Credit to properly fix my account.
Product: Debt collection

I 've been disputing this alleged debt from Midland Funding LLC, in the amount of {$460.00}, since XXXX thru XXXX. Midland Funding LLC. has violated the FCRA by not providing a contract with my signature on it, in regards to this debt. This account is unverified and immediately needs to be deleted from all my credit files, all but not limited-XXXX, XXXX, XXXX. The business is required to disclose to me all documents that they have recorded and retained in their files to this alleged debt. If Midland Funding LLC.does not have any documentation, they need to retract this from my credit file immediately. In addition, this business agrees to have no contact in any form with me regarding this account now or in the future. Lastly they agree to remove my personal information from all accounts in the companies database.
Product: Credit reporting or other personal consumer reports

Experian has not been compliant with the legalities of credit reporting. I am a victim of identity theft. I have submitted documents verifying this fact for years however Experian continues disregarding the code of law to block all fraudulent items with proof.
Product: Credit reporting or other personal consumer reports

The persistent inability of the debt collector to provide adequate validation of these alleged debts violates my rights under the Fair Debt Collection Practices Act ( FDCPA ). The absence of proper documentation not only undermines the legitimacy of the claims but also unjustly jeopardizes my credit score and credit worthiness.

My attempts to resolve this matter with the credit bureau have been met with inadequate responses, leaving me in a state of financial uncertainty. The failure to rectify these inaccuracies perpetuates a cycle of harm that affects my ability to secure loans and other financial assistance.
Product: Vehicle loan or lease

On XX/XX/XXXX, my car was repossessed. I was in constant communication with XXXX XXXX acceptance and they vowed to work with me on reinstating my vehicle. On XX/XX/XXXX, I paid almost {$3000.00} to bring my balance current as well as pay any other fees that are associated with the repossession. On XX/XX/XXXX, American credit acceptance informed me that my vehicle was sold and that they were trying to send an escalation in order to reverse the sale. However, the customer that purchased my vehicle declined. Instead of validating, my feelings and concerns, they told me the best that they could do was to send an escalation.. On XX/XX/XXXX, American credit acceptance informed me that my vehicle was sold and that they were trying to send an escalation in order to reverse the sale. However, the customer that purchased my vehicle declined. Instead of validating, my feelings and concerns, they told me the best that they could do was to send an escalation to see if I would either be given a refund or determine the amount the vehicle sold for in order for me to pay the difference, although I was completely current prior to the sale on XX/XX/XXXX. Throughout this situation, my rights were violated. American credit acceptance, stated I had to write to reinstate and redeem my vehicle which they violated, and they also sold my vehicle illegally and they are not assuming responsibility for their negligence.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Account # XXXX. 
Refusal To Validate " Correctly '' My request is for the following : 1. The Last Date of activity is extending the Statute of Limitations. 
This account has been charged off XXXX times, which is a violation. The charge off dates are XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, and XX/XX/XXXX. 
XXXX. This account is also reported as written off, charged off and never late. 
Charge offs should be according to 15 USC 1635, 15 USC 1692g, and 15 USC 1601, Congressional Findings & Declarations of Purpose. 

XXXX, Transunion and XXXX are paid agencies, not the Credit Bureau. Any credit agency reporting inaccurate information should immediately delete from the credit file. This account can not be legally and lawfully according to the FCRA XXXX times, and then written off and then listed as never late. 

The same information should be reported on each Credit Agency of XXXX, Transunion and XXXX, but each Agency is reporting differently and this is a violation of my consumer rights. 
Delete these inaccuracy of this account from my credit file immediately and permanently.
Product: Debt collection

On XXXX XXXX XXXX I received a text from Shepherd Outsourcing not sure why they are texting me abouta old XXXX  XXXX bill I haven't received in the mail. I would like for this company to send me a list of every transaction, why the debt collection believes I owe the debt, proof showing the debt belong to me, a contract with my wet signature, proof that Shepherd Outsourcing has the title and ownership to the debt and when debt was purchased for what amount, and proof that Shepherd Outsourcing has the legal right and license to pursue this debt in the state of Georgia.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I spoke with a supervisor from this company that informed me a notice was sent out by email on XX/XX/XXXX that there was a debt owed to there company on XX/XX/XXXX per my credit report this company put a collections account on my credit report without giving me 30 days notice when I called the company they proceeded to inform me that an email notice was sent out on XX/XX/XXXX but per the companys not a letter by mail and that could forward me the email sent. My original debt was not with this companys policy as stated on their web page Our Consumer Protection and Privacy policies do not allow us to correspond via email.XXXX  Privacy Policy. I have no knowledge of this company or this debt it has not been verified that I owe a debt to company and I was not given proper notice before placing a negative collections on my credit report. Per Fair Debt Collection Practices Act Any debt collector who contacts you claiming you owe on a debt is required by law to tell you certain information about the debt. That information includes : The name of the creditor The amount owed That you can dispute the debt That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information. If the debt collector doesnt provide the above information in the initial contact with you, the debt collector is required to send you a written notice including that information within five days of the initial contact. None of these actions were taken and my rights have been violated
Product: Mortgage

During COVID both my husband and myself were not working. Under the government protection mortgages were allowed to be deferred and placed on the back end without interest. Sps servicing contacted us continually and informed us there was no problem and we were on the deferrement. Recently yesterday we received a phone call stating we needed to sign modification papers. I questioned why a modification this is supposed to be a defferment. They stated that it took a year to qualify for deferment all the time their company we were fine. Now they are trying to force us to sign a modification which is not the protection the government put in place. We requested phone conversations to be pulled if their associates and they stated it doesnt matter they were behind in their decisions. Seriously. They sstqte one thing and then try to force people into extra interest etc. any assistance with this horrible company would be greatly appreciated as this company has down nothing but lie and scam
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I purchased a new vehicle on XXXX at XXXX XXXX XXXX XXXX XXXX Wells Fargo assumed the loan. They have yet to report our vehicle to the credit bureaus. We have made now a total of 14 car payments with not one reported. My interest rate is 9.7 %. My credit now is very good. I cant refinance this vehicle due to Wells Fargos delinquency in reporting I have been in contact with Wells Fargo several times in the past 6 months. My last letter was received by Wellss Fargo on XX/XX/23, stating that they will report this information. It hasnt happened and they have cost me at least XXXX with added interest Im paying daily.Im buying a house in 8 months and Im wondering what impact this could have on that purchase