23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I tried to payoff my balance on the credit card. I am experiencing financial difficulty and therefore wanted them to waive off the late fee to make the full payment on the credit card, but they would not do that and they mentioned that they would not want me to close the card. I am really disappointed that for a very nominal amount of money I have borrowed they interests rate have 19.2 % XXXX and the credit limit was never increased and they interest I have paid thus far is more than the amount I owe. And on top of this they really do n't give any other options other than to make sure that they rip the customers off. They are definitely counting on people like myself who have to borrow money to make ends meet but is unable to make the payment due to various reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion in regards to incorrect information on my credit report. They responded that they verified the information is accurate. They never did an investigation to prove the accuracy of this account. They never marked this account as " disputed by consumer '' on my credit report like they were supposed to. They never sent me a letter validating the information. Now they are extending how long this will reporting on my credit report which is illegal.
Product: Credit reporting or other personal consumer reports

CREDIT ACCEPTANCE CORPOR is the XXXX {$28000.00} Original balance {$19000.00} that XXXX XXXX AND XXXX are violating my rights It it's illegal to report transaction history according to the Privacy Act of 1974 an the fair credit report act 15 USC 1681 they did not have my consent to report.

this account is reporting inaccurate within all three bureaus 15 USC 1681 IT IS ALSO ILLEGAL TO REPORT TRANSACTION HISTORY AND ALL THREE Reporting agency are doing so this account with credit acceptance needs to be shown paid as agreed since it is illegal to report transaction history this is my person information nonpublic personal information. 
( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such a term does not include publicly available information, as such a term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information. 
THESE COMPANIES ARE IN VIOLATIONS OF MY RIGHTS EVERY TIME THEY FURNISH A TRANSACTION REPORT
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX formally known as XXXX XXXX XXXXXXXX XXXX XXXX failed to investigate my goodwill request to remove delinquent and late payments they reported to the three major credit bureaus. XXXX XXXX XXXX is reporting a total of XXXX late payments dating from years XXXX, XXXX, and XXXX. Some of these late payments were during a covered period due to XXXX. According to 15 U.S Code 1681i- Procedure in case of disputed accuracy, these late payments should not be reported. The company was made aware of my medical condition and unemployment status due to XXXX. The company is violating my rights as a consumer and denying my request for these late payments to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities. Upon reviewing, I came across a few accounts that I believe may not be 100 % accurate and would like further information on to investigate. The fair credit reporting act states that by law, I have the right to challenge anything that I am not sure is accurate. I am not familiar with some of the reportings on my credit report, which is why I am seeking investigation. 15 USC sec 1681 i ( a ) by law states that if you can not provide proof for the accounts, they must be deleted. I am requesting for these accounts to investigated. Please delete my accounts if discovered that any information is not 100 % accurate. I saw a credit site that states investigations have a 30 day window to complete investigations by law. I am asking to please investigate the following accounts and remove any information that is not 100 % accurate upon review. 

Account : -Name : national recovery agency /original creditor : XXXX XXXX Account XXXX XXXX *Please investigate if every piece of information is 100 % correct and accurate. If not, please remove it from my credit report. 

Ive also read ( free Lawer guy online ) that I can be provided with a copy of the report and its results upon completion of the 30 day investigation. Please provide me a copy of this investigation. Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address on this letter. 

I greatly appreciate your time and help in this matter. 

Kind regards, XXXX XXXX
Product: Vehicle loan or lease

The initial payment for my new auto loan was successfully processed in XX/XX/XXXX through the auto-payment setup on my Ally account. However, no auto-payment was processed for XX/XX/XXXX, despite my bank account consistently maintaining sufficient funds. Upon discovering this missed payment, I immediately logged into my account through both the Ally website and mobile app and encountered the following error message : " Weve hit a snag when trying to update your account information. A fix is in the works. '' This message clearly suggests that the issue is on Ally 's side, yet I received no communication regarding the problem. 

In response, I have made approximately XXXX documented attempts- via telephone, mail, and email- to contact Ally, escalating my concerns from Customer Service to the CEO, seeking clarification and a solution. Despite these efforts, no meaningful explanation or fix has been provided. 

To avoid interruption in payments, I have resorted to mailing checks since XX/XX/XXXX, each accompanied by a letter requesting assistance. This process is inconvenient and outdated, forcing me to manage payments without access to monthly statements or a loan coupon booklet. Meanwhile, I continue to receive promotional emails from Ally about other products, which feels particularly frustrating given the lack of communication on the issue at hand. 

I maintain a perfect credit score and have a history of timely payments, including a prior auto loan with Ally from XXXX to XXXX that was managed seamlessly through auto-payment. It is baffling that a digital-only bank has been unable to resolve such a straightforward IT issue in XXXX months, leaving me without a modern, reliable payment method for my loan. I respectfully request immediate assistance to resolve this matter and restore account functionality.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/2024. I saw some I hard a close account witch was pay n full n promise by the skopos financial that it would be removed not have permissible purpose. I also attached evidence 1. XXXX XXXX XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am addressing multiple violations of the Fair Credit Reporting Act ( FCRA ) related to inaccurate information on my credit report. I point out several key violations, including : Willful Noncompliance ( FCRA Section 616 ) : The credit reporting agency accepted incorrect information about me without verifying its accuracy, which is a violation of my rights. I emphasize that this failure to verify is punishable by civil liability of up to {$1000.00} per violation. 

Failure to Disclose Personal Information Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : The agency did not inform me of my right to opt out of having my personal information shared, which I consider deceptive. 

Inaccurate Reporting and Debt Validation ( FCRA Section 623 ( a ) ( 3 ) and FDCPA Section 1692g ) : I highlight inaccuracies in the debt reported by various collectors and request that they cease collection until they can provide proper verification of the debts as required by law.

Unauthorized Hard Inquiries ( FCRA Section 1681b ( a ) ( 2 ) ) : Several unauthorized hard inquiries appeared on my credit report, and I demand they be deleted, as they were made without my consent, violating my rights under the FCRA. 

Violations Under the Debt Collection Practices Act and Privacy Regulations : The debt collectors ' actions, including harassing communications and contacting third parties about my alleged debts without my consent, are unlawful under the Fair Debt Collection Practices Act ( FDCPA ) and related privacy laws. 

I am requesting immediate action to rectify these violations, including the deletion of inaccurate and unauthorized items from my credit report. I expect a prompt response, and I warn that failure to resolve these issues will compel me to pursue legal remedies available under the FCRA.
Product: Credit card

SinceXX/XX/2024 XXXX XXXX XXXX has made XXXX charges to my Bank of America Visa credit card, totaling {$1100.00}, even though I never heard of the vendor and have not owned a pet in 40 years. The bank has been notified of each fraudulent transaction and has issued four replacement cards over the past XXXX months with assurances that it will solve the problem. They have put stops on XXXX accessing my account but the latest charge came in on XX/XX/XXXX. Bank of America has been good about crediting the charge amount once the investigated but the can not stop the charges. From what I can tell, recent charges may be of the autopay type but the problem is continuing with B of A unwilling to be proactive in problem-solving this issue and sticking to standard procedures. I contaced XXXX XXXX XXXX today at the suggestion of the bank and they showed no record of me in their system. 
This problem is impactful to myself and potentially many others, particularly those who don't keep track of charges. I do not know if the problem is criminal or technical but it needs to be resolved.
Product: Credit card or prepaid card

I charged {$5900.00} on my Citibank credit card in  XXXX   XXXX . I disputed the amount on or about  XXXX   XXXX . The disputed amount was credited to my account in or about  XXXX   XXXX . Then in or about  XXXX  of  XXXX  my credit card was charged once again for the disputed amount, with no written explanation as to why my card was recharged.   As result of my complain to CFP B, Citibank replied in pertinent part : " When a disputed charge occurs, Citibank as the issuing bank of your credit card can intervene on your behalf and request a credit from the merchant 's bank. Bec ause you did not follow the steps for a full refund, and the merchant has refused our request for a credit, we have no further recourse to assist. Based on this, the {$5900.00} conditional credit, issued on  XXXX   XXXX ,  XXXX , was reversed and appeared on your  XXXX   XXXX  statement. At this time, we must consider the charge to be valid and you will need to contact the merchant directly to pursue this matter. '' In response to  Citibank  explanation I contacted  XXXX   XXXX , the  Citibank repre sentative who ostensibly authored the response, and inquired why the investigation took more than 90 days to complete.  XXXX   XXXX  replied that an arbitration was conducted on my behalf, which he said Citibank had lost the case. At this time, I asked for a copy of the arbitration outcome. He said he would find out and give it to me. On about  XXXX   XXXX  in response to my attorney 's letter, dated  XXXX   XXXX ,  XXXX , he verbally explained he could not release the arbitration document to my attorney without a subpoena.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history witH XXXX XXXX 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 MONTHS REPORTING LATE to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX my SS is XXXX address XXXX XXXX XXXX XXXX OH XXXX. My 2 XXXX XXXX accounts were closed without any remedy or resolve and it cut off my life line in my business. I had a few of my employees and co-workers on my account as AUTHORIZED USERS, I originally asked to have all of them remove before my account was placed on permeate restriction status without remedy or resolve. My account is my financial responsibility and not the authorized users have zero responsibility XXXX XXXX is currently reporting negative information on all the previous Authorized users credit reports please delete/remove the following AU : XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX AUTHORIZED USER NO CARD XXXX XXXX  ... XXXX AUTHORIZED USER
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some unauthorized inquiries on my credit reports. These inquiries are on XXXX, XXXX and Equifax. I sent in disputing the inquiries over 30 days ago. I found out my name, social security number, drivers license and email address was found on the dark web by the credit monitoring company I use. So on Saturday XX/XX/2022 I went and made a police report.
Product: Credit card or prepaid card

XX/XX/2021 Dear sir or madam : The name of the company that I am complaining about is : Direct Express Debit Card ; which is the company connected to the Social Security Administration for disbursing money to its beneficiaries '. This company I believe first thefts large amounts of money from the persons account, and then escapes discussion of these problems by keeping prolonged and tiresome telephone menus and especially, computer systems with impossible log on problems. The simple fact of the matter here is that persons become frustrated and give up trying to get to the result of their problem thus leaving them with the stolen money. 

Telephone conversation is not a substitute for a printable statement - persons need time to cross match information and go to other places to verify what is claimed by the company. They ( Direct Express ) knows that this can not be done by telephone interview. Actually I am not at all able to log on to my account as their inadequate electronic system is such rubbish that a person that follows all of the steps for logging on as they are supposed to, is still unable to be able to do so, from any computer. As if a person is dialing a wrong number and getting only a busy signal, but does not know that he was given a wrong number. 

Please help me to get this company in line. 

Thank you. 

Sincerely XXXX XXXX
Product: Credit card

I previously lodged a cfpb complaint ( ID XXXX ) because the company did not address the fraud dispute on the account but instead continued collections. Sometime after the company responded to the complaint, removing the fraudulent charges, they added about 30 % interest to the balance in one cycle.

The remaining amount after the complaint, had already been accruing interest for years. I believe when the records were adjusted to remove and replace balance components, somehow the system miscalculated the reentry thinking the amount due was eligible for back interest. I don't know but when I questioned it, I was told that if I paid the full amount before they added XXXX XXXX, they would consider it paid. Why? Why should I have to pay in full because of their error? They won't resolve the matter and have been reporting the account as delinquent for several months to the credit reporting bureaus, damaging my credit score.

It's not my fault and yet again, I have to spend more time trying to fix their error. They are very difficult to communicate with and clearly have subpar processes and controls to prevent such errors, in both instances. If unresolved, I may seek legal remedy.
Product: Credit reporting

I have a few inquiry 's on my credit score that does n't belong to me and I did not receive trade lines of credit from. I asked them to remove them, and they declined to do so.
Product: Money transfer, virtual currency, or money service

Someone hacked into my email and set up an account with " Skrill ''. Ive tried to call and chat with them several times but they are only robots and will not close the account or help me.
Product: Credit reporting or other personal consumer reports

Ive been dealing with the identity theft from my ex gilrfiend for a while now, she opened accounts under my name without my consent. I need to have these items removed
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were 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 need to be investigated and corrected for 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
Product: Checking or savings account

My father paid off TD Auto Financing on XX/XX/XXXX. There was an auto draft on the bank account for a monthly sum of {$880.00}. My father was hospitalized a few days later and did not have a chance to cancel the withdrawal. TD Auto continued to draw the {$880.00} every month for the last 5 months. I became the POA and called the company. They refused to talk to me until they had my POA, in the meantime my parents account was over drawn. They sent a check in XXXX for 2 of the overpayments and continued to draw the payments on an already paid off vehicle. Again, they sent another check for 2 more payments and we still have not received the last payment. I called the company the last of XXXX and talked to a supervisor. He said that if there is an overpayment the company returns the money and cuts a check on the 24th day after the overpayment. I asked why did we receive 2 payments at one time if that was the case? He could not explain that. It is now XXXX XXXX and a check was suppose to be cut on XXXX XXXX. I called and the check is suppose to have been cut on XXXX XXXX ( we still do not have it ) which is much longer than 24 days per their policy yet again. After I looked at the printed out check for a payment ( on a truck that was paid off ) from my parents bank I noticed that TD Auto wrote the check themselves and cashed it.
Product: Checking or savings account

I have reached out to Huntington Bank multiple times and they have not got back with me in regards to some fraudulent activity that took place on my account. There are a few accounts that was open in my name and charges that I didn't approve of nor did I know about. No one have responded to my multiple emails and attempts to contact them.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian will investigate this account for me to ensure accuracy. Experian list that the account was last active XX/XX/XXXX while XXXX list it being active in XXXX. Here is the account i am asking you to verify as accurate : Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I came across the CFPB Experian lawsuit. 

I feel I was negatively impacted by XXXX and XXXX, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were verified but I dont see any details on this investigation. 

Do you want to be fined too? 

Come with the receipts, or be quick to delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN/XXXX/XXXX please see attached documents received from XXXX XXXX in response to the complaint I filed against them through the CFPBs website after they responded to the disputes I filed with each of you respectively that they had validated the ( fraudulent ) account as valid when they had not as well as the complaint I filed against XXXX XXXX  today, regardless of their closing the account, because they claimed again that they had validated the debt by receipt of nothing more than a billing statement from the company who allowed the fraudulent accounts to be opened. EXPERIAN/XXXX/XXXX this is now the third time I have disputed these accounts with XXXX XXXX as fraud and have ended up spending months going through the steps to have the fraudulent accounts removed from the my credit reports. First time I disputed the account, I think, was in XX/XX/XXXX or XX/XX/XXXX when I learned about the first fraudulent account that was opened in XX/XX/XXXX or XX/XX/XXXX ; and again in XX/XX/XXXX or XX/XX/XXXX when the second fraudulent account was opened which XXXX XXXX has combined into one account and continue to sell off the fraudulent account to collection agencies and now 2 years later has sold it to another collection agency, XXXX XXXX. EXPERIAN/XXXX/XXXX, I respectively request, that hereafter, per the FCRA and FDCPA, that you prohibit/block any company from putting this fraudulent account on my credit reports.