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

Mercedes Benz Financial services is now charging a convenience fee just to accept your payment. They now force you to a third party site and that site charges a XXXX convenience fee. Ive tried to call and they charge a convenience fee to call in and pay. This is usury on every level. This in addition to your interest rate. This was never disclosed on any document and is a trick on consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient Department of Education ... Student loans are reporting past due and will not fix the reporting of past-due student loans. loans we consolidated during the time and have all been paid off! Paid off XX/XX/2019 {$63000.00} Loan # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an account ( XXXX {$910.00} ) on my credit files, i have contacted them requesting validation they say that there other company capital management is collecting for them. I contact XXXX XXXX is sending me settlement letters by mail, asking for validation for this account that I have never had business with this company and tell me that they have no account info for me, but that I need to pay the account off with there offer. I have no knowledge of this account with either company. I have attached the settlment offer from XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance whith the fair credit reporting act XXXX XXXX XXXX account XXXX, has violated my rights. 

15 U.S.C 1681 SECTION602 A. STATESI HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Debt collection

XX/XX/2019 SCA Collections added a debt to my credit reports in the amount of {$75.00} without giving me written notice or a chance to have debt validated.
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 XX/XX/year> 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. 


XXXX 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

XXXX practices financial fraud on its consumers in general and me in particular. 1. While I had cellular service with XXXX they made several attempts to overcharge the monthly bill until I was able to identify the error. The MOST disturbing incident was the incident that caused me to leave XXXX. I purchased a phone from XXXX online for my son and added him to my account. When the phone never arrived, I tried to remove the charge from my XXXX bill unsuccessfully. I finally called the credit card to reverse the charge and which point XXXX added the {$200.00} bill for the device to my bill and tried to convince me that it was a result of a returned payment. This was only 1 of many times, they've tried to add additional money onto the bill. 2. I finally left XXXX and went into a XXXX store to start service only to learn that XXXX locked a device that was a. neither purchased from XXXX nor b. owned by XXXX in an attempt to prevent me from leaving their company. It took hours to get a supervisor to unlock the device. 3. On XX/XX/2019, XXXX ( my personal banking institution ) contacted me to alert me that {$620.00} withdrawals were being attempted by XXXX on both of my checking accounts. Neither of these drafts were authorized by me. 5. On  XX/XX/XXXX, my XXXX credit card alerted me that XXXX was trying to make a withdrawal on my credit card for {$620.00}, again a transaction that was not authorized by me. I soon realized that XXXX  was making an unauthorized attempt to charge every card I've every used to pay my XXXX bill over the 2 years I was with them. 6. They sent the account with an incorrect amount to a collections agency whom I have no contract with and is now reporting on my credit report. 7. I immediately posted this on a credit repair group on XXXX only to learn that XXXX practices this regularly and has been getting away with this from thousands of its customers who chose to leave their company. This is a major act of Financial FRAUD.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block.inc ) due to the inadequate customer service and unfair practices which Violates the consumer financial protection act ( CFPA ) Specifically, Cash App failed to take timely In effective measures to prevent an address fraud On their platform Leaving my account, vulnerable and unprotected Furthermore, their 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 E These actions have caused significant inconvenience And financial loss and I seek appropriate redress For these violations.
Product: Bank account or service

I was mislead to invest in a structured CD 's, that did not earn any % gains over 6 years period, the Broker did not act a fiduciary agent according to SEC regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a letter was sent to Convergent Outsourcing to verify a debt report to the credit bureau. On XX/XX/XXXX a letter response was received from Convergent Outsourcing claiming the debt was validated and attached was bill. 
On XX/XX/XXXX, I replied back to Convergent Outsourcing that as per FTC opinion letter from attorney XXXX XXXX XXXX, A print out of a bill or itemized document does not constitute verification. 
After more than 30 days there was no response. 
On XX/XX/XXXX, I sent a letter to convergent outsourcing a notice of their violation of Fair Credit Reporting Act 623 ( a ) ( 3 ) by not responding within 30 days of receiving my dispute.

At this time I have exhausted all of my good will attempts and will be seeking a minimum of {$1000.00} in damages per violation for Defamation, Neglect of Fair Debt Collection Practices Act ( including but not limited to section 807-8 )
Product: Credit card

I am currently reviewing my credit report and have noticed some inaccuracys in the report especially with this Navy Federal Account. Per 15 Use 1681 602 I am entitled to accuracy and fairness of credit reporting. I am demanding a reinvestigation into this matter as you are required by law to do an initial review to verify that this is in fact my account/responsibility. 15 USC 1681 603 states any report containing information solely as transactions or experiences between me the consumer and them the person making the report is illegal. The payments that are being reported as late are illegal, per the laws and regulations they are required to send me documentation and information to make a payment 21 days before it is due. I also never received any of the 3 disclosures that must be provided to me the customer by law before any information is reported to my credit report. I did not receive information about this being reported, you are required to ask my permission prior to reporting information to my report, and lastly give me the information to opt out of this information to not be placed on my report. I did not give consent for my none private information to be shared to anyone per 15 USC 6801 I am entitled to the protection of my non public personal information as congress has stated you have an affirmative and continuing obligation to respect the privacy of consumers and protect our private information. Secondly reporting utilization it illegal as it is the experience of how I am using this line of credit. If this is not removed from my credit report immediately then I will have no choice but to file a motion for intent to sue as my rights as a consumer have been violated and I am entitled to compensation if my demands are not met. 




NAVY FCU XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Revolving account XX/XX/XXXX Closed Charged off as bad debt XXXX XXXX 97 % {$1900.00} XX/XX/XXXX {$2000.00} {$1900.00} {$2100.00} Individual account Comments : Dispute resolved; customer disagrees Contact Into : ( XXXX ) XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was made on time. I paid the amount due well before the due date. I have attached bank statements and a payment confirmation that show the payment was processed successfully and on time. 
Furthermore, the account was closed by me in XX/XX/XXXXXXXX XXXX and there was no balance owed at the time of closing. The late payment report appears to have been a clerical error in the final account closure process. 
No notifications or warnings were provided to me about a potential late payment, and I received no communication regarding any delinquency. This suggests that the report of a late payment is incorrect and should be removed. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXXXXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My CashApp account has been suspended. They said my account was cancelled because I violated terms and conductions and was suspected of illegal activities. I run a legit business. They had no reason to shut my account down. When I spoke with their customer service they told me it has been escalated and I would hear back from a supervisor but never do. I have called multiple times and can never get a resolution. I need help getting my account reinstated. I am completely legal and only use it for legit transactions. They had no problem with taking XXXX XXXX of every incoming payment but all of a sudden cancelled my account. Please help me!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer complaint is in regards to willful noncompliance with Experian 's Data Sharing Policy and Federal Regulations. As of XX/XX/XXXX the consumer reached out to Experian, Complaint number : XXXX, in regards to a dispute which was being made for the accounts XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX as well as XXXX XXXX XX/XX/XXXX. After filing this complaint, the consumer received correspondence from Experian showing that the accounts remained, and were accurate. As of XX/XX/XXXX the consumer reached out to Experian, Complaint number : XXXX, in regards to the consumer not being satisfied with the results of the investigation, the consumer then requested proof of the investigation which took place proving this account to be accurate. The consumer then received a notice from Experian on XX/XX/XXXX stating that Experian would need a little more time to respond. As of today, XX/XX/XXXX XXXX days after submission of the complaint, the consumer has not received correspondence from Experian in regards to the complaint number, XXXX. On today, XX/XX/XXXX, the consumer then made a phone call to XXXX, an agent of Experian in the Dispute department with badge number XXXX, who was not able to address the consumers concerns and used false and misleading information by addressing Experian as a " Credit Bureau. '' The consumer then addressed Experian 's Data Sharing Policy and requested proof of the consent which Experian requires to share personal information, Experian was unable to provide it. The Agent of Experian, XXXX, then transferred the consumer to XXXX, an Agent of Experian in Membership in regards to the proof of consent, furthermore no consent was provided, or able to be located in the file for the the consumer. Should the consumer 's issues go unaddressed, the consumer will seek litigation.
Product: Money transfer, virtual currency, or money service

My Cashapp Account Was Closed For No Reason. I Reached Out And Contacted The Company But Got No Reasonable Response On Why It Was Closed Specifically. This Matter Is affecting Everyone Who uses the app or have money on the app
Product: Debt collection

I am writing to file a formal complaint against Genesis Credit Management regarding their handling of a debt collection matter involving my and my spouses account. 

We was initially disputing charges with XXXX, the property owner of my prior apartment XXXX XXXX. I provided XXXX with move-in paperwork signed by the XXXX  XXXX, which included a breakdown of all damages present at move-in. These same damages acknowledged at move-in were what XXXX attempted to charge me for post-move-out. I have photos of these forms signed by management, along with move-in photos. 

Unfortunately, the representative from XXXX ceased communicating with me and never responded to my email dispute. This led XXXX to send my account to a collection agency named Genesis Credit Management. Since then, I have been harassed by Genesis Credit Management via phone, multiple times a day per week. I left Genesis Credit Management an email on their website, explaining the situation. However, their website does not provide an actual email address, and instead requires filling in information in multiple text field inputs. I believe this is by design to prevent the creation of a paper trail. 

I contacted Genesis Credit Management via phone on XXXX to dispute the charges and explain the situation. A representative named XXXX was extremely rude and refused to communicate with me civilly. This led to me requesting a supervisor, who identified himself as XXXX XXXX XXXX told me to send him the dispute to his email address : XXXX, to which we did. Since then, we have not received a response, and Genesis Credit Management continues to harass us via phone. 

On XXXX, I contacted Genesis Credit Management again to kindly ask them to cease all telephone calls to our phones and request that communication regarding this matter be conducted in writing to ensure clear and documented communication between both parties and prevent any misunderstandings or disputes. 

Unfortunately, XXXX at Genesis Credit Management refused to cooperate and provide me with Genesis Credit Managements email address. XXXX spoke over me, saying this is how this will go down, and eventually hung up on me. Additionally, we never received an account number from Genesis Credit Management. 

I have since left another email on their website on XXXX requesting that communication of the situation be conducted in writing. However, their website does not leave a paper trail that I actually sent an email. Therefore, I had to screen record myself sending the email as proof. 

Enclosed are copies of any relevant documentation, including letters, emails, and records of phone calls, to support my complaint. 

I respectfully request that the Consumer Financial Protection Bureau and the State Attorney General 's office investigate this matter and take appropriate action to ensure that Genesis Credit Management complies with all applicable laws and regulations. 

Thank you for your attention to this matter. 

Here are documents related to the issue XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was supposed to be paid yesterday but capital one hasnt posted my funds it s been 24 hours
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also all Addresses need to be Removed Immediately : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. In accordance with the Metro 2 reporting standard, I am writing to formally inform you of the need for ensuring that any claims are reported in a factual and accurate manner. I'd like to request that you provide me with tangible, verifiable evidence demonstrating the existence of this account and its legality. If I am not provided with this evidence, I shall insist that the account be removed from my credit file. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX {$840.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$1100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX  XXXX {$56.00} XXXX XXXX XXXX XXXX {$2600.00} XXXX
Product: Debt collection

I have been trying to fix this problem with XXXX for almost a year they have been reporting this account on my file and violating the fair credit reporting act and debt collection act. I called the orginal creditor where it supposedly came from and talked to XXXX They do not have the orginal contract bearing my signature like I asked. So how can XXXX collect on this debt when the orginal creditors doesn't have a contract. I never recieved any letters giving me my right to dispute. Even though they said they did but refuses to give me the address they sent the letters to they will not work with me i have tried calling and everything but I got hung up on by one of their associates they are violating my right to dispute this information on my credit file. Experian also verified this information but I find it hard a company can verify without the proper documents that shows me they didn't do a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX : XXXX ( Agent/ Beneficiary ) All right reserved without prejudice Enclosures : Identity Theft Report Fair Credit Reporting Act Section 605B [ PDF ]