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

XXXX XXXX closed or charged off the account shortly after the issues with the car were reported back in XXXX they only began reporting missed payments and the account as open again after the XXXX money started going out in XXXX  in an effort to extort their previous customers, have been reporting missed payments month after month to keep people from being able to rebuild their credit and life after they experience a financial hardship. The debt is not collectable as the statue of limitations for the contract have run up. The original terms of the loan were 48 months so they should only be able to report the missing 48 months and from there the account should have been closed on the credit reports and listed as charged off.
Product: Debt collection

I contracted with XXXX XXXX XXXX dba as Global Client Solutions LLC for consolidation of debts.The agreement was that I would pay {$270.00} for 36 months. 

The groups debited my account for 19 months past that agreement and when I contacted business they sent me a check for {$820.00} instead of {$4300.00}. 

I have worked with the XXXX XXXX XXXX and tried to settle with them for 6 months through letters and phone calls. The XXXX  report shows they have an F Rating and will not respond to XXXX complaints. 

When I called the CFPB we were told that the FTC has taken action against them and I would like to be included in that action. 

Pertinent documents accompany this complaint.
Product: Credit card or prepaid card

On XX/XX/2020 I purchased three airline tickets from XXXX XXXX. On XX/XX/XXXX I called back and canceled. I then contacted Chase credit card company, and reported what had happened. The reason for the cancellations given was " due to the COVID-19. The credit card company then proceeded to credit back to my card the amount of the purchase, which were for a total of three credits. 
One month or so later, I received what they termed a Rebill followed by some numbers, and XXXX XXXX. When I contacted XXXX XXXX, they stated to me that they were unaware of said charge. I waited while the agent double-checked and again he said " no there's no such charge ''. That I should contact my credit card company. Chase later explained to me that my card was debited three times, but credited four times. So, I said if there was an excess credit, why don't you just debit the card, and we're even, since I did not receive any goods or service. This should only be an accounting entry, and we're even. The lady went on and on about how I got an extra credit, and therefore I owe the amount of the airline ticket {$1400.00}, which I subsequently paid. But I think there is a trick, somehow. Because I ended up paying for something I got no benefit from.
Product: Credit reporting or other personal consumer reports

I have been disputing this particular card because it was fraudulently opened using my information. I was XXXX for 6 months in XXXX XXXX XXXX, during my time there this account was opened using my information. I did not authorized my information to be used, nor did i used this card in any of their store. They have not provided me with any of the information i have requested on multiple occasions. I have filed a police report and and FTC Report in regards to this identity theft matter.
Product: Checking or savings account

there are things on my account that is inaccurate and would like it to be removed these things are stopping me from getting banks which are holding me from starting up my business the right way.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX never XXXX the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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: Credit reporting or other personal consumer reports

I have some inaccurate information on my credit report, and I sent in some letters about 60 days ago and I have not received any response.
Product: Student loan

To whom this may concern, On XX/XX/XXXX I reached out to Customer Service of Citigroup to ask for a refund of overpayment during XXXX. I was told I needed to show proof of bank statements. However, I did not have that kind of proof since the bank account where the automatic payments were made had been closed and thus I had no access to electronic bank statements to show these transactions and even less the paper records. 

On XX/XX/XXXX I reached customer service from Citibank again since I found records of such extra payments through my annual credit report and a letter I received ( for tax purposes ) regarding the payments made during XXXX and that should be refunded since the loan had been forgiven. I have been receiving ambiguous responses from customer service that lead me to believe they just want me to drop the topic. 

On XX/XX/XXXX I placed a complaint about this issue. On XX/XX/XXXX, I received a notice ( attached ) letting me know my name was not listed in the loan account and so I am submitting this new complaint with more verification documents hoping this time I can get the refund I have been requesting for many months now.
Product: Credit reporting or other personal consumer reports

After reviewing my Consumer Reports, I noticed some reported late payments on an account where I have always made timely payments. Since Consumer Reporting Agencies are crucial for maintaining accurate consumer information, it is essential that all data is reported correctly. I have consistently met my payment obligations for the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHRYSLER CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request a detailed investigation into these discrepancies. Please provide documentation, such as statements, that evidence the reported late payments. If such proof can not be provided, I expect the records to be updated promptly to reflect my true payment history, which has always been punctual.
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to XXXX negative information appearing on my XXXX This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my XXXX. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has XXXX my ability to obtain XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and bankruptcy from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with XXXX, XXXX, Experian on XXXX. They send me back a letter that the accounts have been verified and certified. I don't believe that they have been disputing. The 3 accounts with XXXX have serveral inaccuries Balance amounts, Status, Amount past due These accounts have 3 different amounts and statements on the 3 credit bureaus. How can that be right when they should all be reporting the same information. I have the letters were XXXX sent me that the accounts are XXXX deficiency amount. The 3 accounts are Repression 's from XX/XX/2018 and are still reporting late payment days.
Product: Mortgage

This complaint is concerning XXXX # XXXX held with Newrez Mortgage XXXX. 

Home Address : XXXX XXXX XXXX XXXX. XXXX, OH XXXX On the XXXX of XX/XX/XXXX, Newrez mortgage company acknowledged receiving my monthly payment less PMI in the amount of {$3400.00} ( See attachments ). However, this payment has not been applied towards any account ( e.g. principle, escrow, etc. ) at all and it shows as " XXXX XXXX ''. 
Newrez 's excuse for not applying this payment at all was because their system is setup to automatically only accept a full payment. Since the system didn't see a full payment, it didn't apply it at all. Further, I assessed a hefty late fee of {$130.00} on the XXXX of XX/XX/XXXX ( XX/XX/XXXX was the due date ). 
I tried in good faith and asked them repeatedly via their Customer Service Department and their website email system to manually fix this problem but they're still refusing to do so and sticking to this automatic system setup as the reason. 

On XXXX XXXX, XXXX, the PMI cancellation was approved and I'd thought I could make my monthly payment without including the PMI, which should have been cancelled long time ago per paid appraisal and after a lengthy process this mortgage company had me go through. 

I see this as unethical practice where this mortgage company has received the monthly payment in principle, interest and taxes but refusing to apply it only because their system is set up to only accept full payments. 

Please know that Newrez will be adjusting manually my monthly payment given that PMI was cancelled back in XXXX. Also, my new homeowner 's insurance for XXXX was changed and it's now half of what it collected for it during XXXX. So, the point here is that Newrez does do a number of manual work on my account to service it and it does have the ability to manually apply this payment as a one thing instance. 

It is not a valid excuse for them to refuse to handle this payment simply because the system is setup that way. 

Further, please know that I was told if I were to make the PMI payment then, all this money will be applied appropriately. This shows Newrez is purposely playing this tactic on me. 

Finally, I should mention that I never defaulted or had a late payment since my loan account was started with this mortgage company.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices violating the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I filed complaint XXXX. CACi still has not provided the documents requested in this complaint. The company has yet to prove a balance is owed. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) and XXXX XXXX XXXX Court of Appeals of Indiana. Billing statements and or a contract are not enough to prove a balance is owed. Accounting records are needed to prove a balance owed. CACI cant provide that information. CACI has sent out correspondence trying to extort me for an extension of credit that the company can not prove is owed. Thats a violation of 18usc 894. There are heavy penalties for this crime. In addition CACI is reporting this derogatory account to my credit report through XXXX, XXXX, and XXXX. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information every condition must be met to report my non public personal information to non affiliated third parties ( XXXX, XXXX, XXXX. ) I never received any disclosures from CACi. The FTC states without proper consent it is identify theft. A violation of 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information. The information that is being reported to my credit report from this account is false and inaccurate. Its a violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. If the company refuses to delete the account then Ill proceed forward with litigation. Ill pursue civil action for a failed requirement under the Fair Credit Reporting Act 15 U.S.C. 1681 s-2 ( b ), pleading for damages, caused by the CACi, for false and negative reporting. I do want to bring up again the master purchase agreement as if this does get tied up in litigation itll be a key piece of evidence used. Companies that sell debt state in these agreements that they do not guarantee the information to be 100 % accurate. You can try using a Bill of Sale but theres this thing called the Rule of Completeness. I can request all relevant parts to a writing or a recorded statement. This ensures there are no misleading version of events. 
XXXX be sending a copy of this compliant to the State Attorney General and the FTC as there elements of extortion and fraud along with FCRA violations.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXXXXXX Balance : {$200.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; 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
Product: Credit card

Dear CFPB : I am writing to file a complaint against Care Credit, promoted within medical facilities, including the XXXXXXXX XXXX I visited last year for XXXX XXXX that were urgently needed. During this visit, I was exposed to multiple advertisements and was recommended by the XXXX to use Care Credit as some sort of an interest-free financing option. Believing it to be a viable, interest-free alternative for my situation, I applied for and received a Care Credit card, which I used to pay for services on multiple occasions. 

Upon reviewing my account statement Today XXXX XXXX XXXX, I was shocked to discover an " XXXX Charge on Purchases '' totaling {$250.00}. This charge contradicts the primary reason I chose to use Care Credit, based on the understanding and advertisement that it was an interest-free option. 

The problems with this situation are twofold. Firstly, the promotion of Care Credit within healthcare facilities as an interest-free credit option comes with incredibly limited disclosure about the terms, particularly concerning for patients in distress or under duress, as I was at the time of the XXXX XXXX. Secondly, there appears to be a significant lack of effort on the part of Care Credit to communicate the specifics of the interest-free terms, including the duration of the interest-free period and the consequences of not paying the full amount by the deadline. This lack of communication led to a misunderstanding of the interest-free deadline 's implications, resulting in unexpected and substantial interest charges. 

I was under the impression that " interest-free '' meant no interest would be accrued during the specified period and that if the balance was not paid in full by the end of this period, interest would then begin to accrue. However, I was not aware that failing to pay the full amount by the deadline would result in retroactive interest charges for the entire period, all at once. 

This incident has not only imposed unexpected financial hardship but also starkly highlights what I perceive as predatory lending practices. The lack of transparency and adequate communication about the critical terms of the interest-free period has led to a significant and unforeseen financial burden. 
If this situation doesn't constitute predatory lending, then I'm unsure what does. I urge the CFPB to address these concerns with Care Credit to ensure greater transparency and to assist in resolving this distressing financial situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information provided on the Equifax Credit consumer reporting agency violates my consumer rights based on Violation of FCRA Section 605 ( a ) Reporting Outdated Debt : I have noticed that XXXX XXXX XXXX XXXX has reported a debt on my credit report that is older than the permissible time frame specified in FCRA Section 605 ( a ). According to my records, the debt in question exceeds the seven-year reporting limit for negative information. This outdated reporting is not in compliance with the FCRA requirements. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2014 2014
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime 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

All accounts must be verifiable that are on your credit report. I have reached out to XXXX on multiple occasions to get information on a Bankruptcy that Transunion, XXXX  and XXXX  are reporting on my credit report which is completely inaccurate. 

XX/XX/XXXX and on XX/XX/XXXX I got a letter from XXXX stating they are unable to find a file that matches my information. So why is this Bankruptcy still on my credit report? How is TransUnion, XXXX  and XXXX  verifying this information? 

On XX/XX/XXXX I again asked for a file from XXXX and still have gotten no response. Along with a letter that was sent to them on XX/XX/XXXX. 

Per the FCRA resellers reporting information must provide the information and the source of the information within 5 days of getting the dispute and provide all information within 20 days. 

As well as the Credit reporting companies are required to send notice to XXXX where they will be required to notify me and add the notice of dispute. 

My assumption is that the Credit Reporting agencies have not sent a notice of dispute to even begin the investigation. 

All attachments of the letters responses will be attached in this complaint along with a copy of my Drivers License and W2 form that provides all the verifying information needed XXXX results were incomplete and missing on XX/XX/XXXX Transunion results shows the date it was updated was XX/XX/XXXX so how was this account ever reinvestigated with a date of updated in XXXX XXXX  results just show it remains and is updated but the last update was on XX/XX/XXXX so how was this investigated and updated in XXXX. If XXXX Certified this information is correct then where is the copy to be sent to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my car payment on line and they said they received the car payment but 30 days later i received notice the the website never recorded my payment and that i had a 30 day late pay on my report to no fault of our own. I have tried to resolve the issue with the company but haven't had success.