23daVinci/CFPB_Complaints huggingface dataset:
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 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 XXXX AND XXXX 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 XXXX XXXX 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 or other personal consumer reports

I submitted a XXXX XXXX request to a company, but they still failed to respond within the XXXX-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU US DEPT ED XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XX/XX/year> : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I am aware that I one payment past due, which I am currently working on getting caught up on my own. I also understand that collection attempts will occur. However, American Credit Acceptance has contacted me more than 7 times within a 7 day period, which is considered harassment under 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) 1006.14 ( b ) ( 2 ) ( i ). Examples of dates and times are follows : XX/XX/year> - XXXX XXXX  EST XX/XX/year> - XXXX XXXX  EST XX/XX/year> - XXXX XXXX  EST XX/XX/year> - XXXX XXXX EST XX/XX/year> - XXXX XXXX  EST XX/XX/year> - XXXX XXXX  EST XX/XX/year> - XXXX XXXX  EST XX/XX/year> - XXXX XXXX  EST ( 8th time in 7 days ) At no time did I answer the above mentioned calls to give consent for calls within 7 days. No voicemails were ever left for me to return the calls. I was only able to know it was American Credit Acceptance by looking up the phone number.
Product: Vehicle loan or lease

Hi, i am in the process of trying to refinance my auto loan. i currently have a loan with XXXX XXXX and i noticed that on my XXXX XXXX account they list my loan and showed that they thought i could get a better rate if i refinanced. the XXXX XXXX  site showed several loan refinancing provider options. the first option they showed me was the lowest rate and monthly payment through a company called Rate Genius. i currently pay XXXX per month on a loan with 9.5 % interest. the Rate genius site offered me a loan at 6 % with a monthly payment of XXXX dollars, so naturally i went with that. i went to the site and filled out the application and i got an email back saying i had been approved and would be contacted by a representative. the next day i got an email from a company rep that again said i had been approved, but when i looked at the loan details, it was for a loan with 7.7 % interest, for 66 months, and a XXXX monthly payment. i wrote back saying that this was not the loan RateGenius said i was approved for and that i want the original loan i was approved for. they now have written me back again trying to get me to accept this not so great loan. it seems to me that maybe they are offering loans that people qualify for but then trying to switch the loan details to maximize their profit by trying to get people to accept loan offers that are not as good as they qualify for. even they are just offering me a revised loan based on my qualifications, the fact still remains that they led me to believe i was approved for a specific loan being offered and then tried to get me to accept a different loan. it seems pretty deceptive and kind of seems like false advertising.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I boarded a cruise to XXXX. While visiting different ports I purchased jewelry. The jewelry came with appraised value. I came home from the cruise and had the jewelry appraised. The appraised value was approximately {$.00} on the dollar of my purchase. When I wrote the company, they did not respond to me. I engaged an attorney and was told that the company would only recognize a particular firm/individual to perform appraisals of their jewelry. We found the appraiser and forwarded the results and request " return '' slips to return the junk. They refused and added my account to the credit reporting agency ( s ) as non-collectible debt. I disputed the debt with XXXX, XXXX and Experian. My letter included the appraisals, emails, letters from attorney, etc. 
XXXX agreed with the company after a 10-day review. Experian did not respond nor did XXXX XXXX I disputed the results of their investigation because there was no time for them to XXXX through all the documents and not clearly understand that ( 1 ) a Ph.D. Gemololgist and Professor at our local college did the appraisal as they requested ( XXXX ) I attempted twice and was given exactly the same response.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

For the past several months, I have been disputing this inaccuracies that are Listed in my credit report I have written three letters to the credit bureaus ( XXXX and XXXX ) in which I requested these inaccuracies be removed. Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies is as : XXXX, XXXX # XXXX. 
I also contact XXXX for the balance I had pay them before which was {$460.00} different than the one they reporting???
Product: Debt collection

They have reported false information on my credit reports with ( XXXX, XXXX and XXXX ) that I paid in full with them {$1000.00} and they collected on a debt. That information is incorrect. I never paid them nor the amount they reported on my credit report. If I paid them directly ; they need to provided the means of payment ( check, credit card, etc ) receipt. I never spoke to anyone or neogitate settlement payment with anyone at this collection agency
Product: Debt collection

15 USC 1692CC if a consumer notified a collector he or she have to provided the right documentation signed by the collector showing proof this account belongs to him or her. After the conversation the consumer have before 30 days to respond with the right documentation if not then the account is terminated and removed from the debtor credit report
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, 2016 I was approved for a loan through Westlake Financial and purchased a car with XXXX XXXX XXXX XXXX XXXX for a total amount of {$4500.00}. Thirty days after my purchase I was expecting my Title. After calling multiple times, and I was told by XXXX XXXX XXXX that he was trying to locate the title. I was given a letter stating the vehicle I had purchased, " has been delayed due to no fault of her own ''. In which the DMV accepted the letter but my registration was only good for 30 days. At one point he called and told me the woman who owned the car was bringing the Title to sign it over. I called and called but my calls were not answered. I have called Westlake Financial multiple times. Im always told that someone will be returning my call. Im still waiting months later. I have had this car sitting in my yard for months that I can not drive due to me not having the proper registration. I would like to have this settled. I have been contacting the finance company they are also giving me the run around. Everyone has been paid in full for a car that I can not drive due to a car that I do not own without the Title.
Product: Credit card or prepaid card

Upon receiving my Capital One XX/XX/2023 statement it showed a New Balance of {$6100.00}, which did include interest for the billing period XXXX2023. Per the statement a payment was due XX/XX/2023 for a minimum of {$190.00} up to the new balance of {$6100.00}. On XX/XX/2023 Capital One accepted, through their website, my monthly payment wired from my regular payment account. I chose to pay the CURRENT account balance of {$6500.00} IN FULL. This reflected the FULL balance per the XX/XX/2023 statement, PLUS {$430.00} in new charges that had occurred since as part of the XX/XX/2023 statement period. Additionally, I received a {$50.00} statement credit on XX/XX/2023 totaling a {$6600.00} in credits to the account during the billing cycle. The payment dates, previous balance, payment amounts, and statement credits all are reflected accurately on the XX/XX/2023 statement showing a lesser amount due than transactions. However, a interest charge of {$110.00} was assessed on the XX/XX/2023 statement. I attempted to dispute the charge online, the Capital One website will only allow you to dispute others ' charges online. I called customer service, waited on hold for some time, and after inquiry as to why I received the interest charge they explained to me how credit is accrued and argued that I had to pay my account off in order to avoid an interest charge and upon review the charge was correct. When I suggested that they were incorrect, and explained that I overpaid the account they still insisted the interest would be due. They were unwilling to update the account and I am now required to pay additional undue interest in order to protect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The statute of debt limitation on collections and chargeoffs in the state of Tennessee is 6 years. The statute of debt limitations on collections and chargeoffs under the Fair Credit Reporting Act is 7 years. These accounts have been disputed with the credit bureaus to come back verified and that can't be true as these accounts have not been active since XXXX and XXXX. There are XXXX accounts on my credit report that are due for deletion. 

XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Student loan

My private loan, now owned by Navient, should be discharged as the XXXX XXXX XXXX XXXX performed illegal activities in convincing me to enroll in 2007 ( the year I graduated high school ). Now that XXXX XXXX XXXX have permanently closed, my loan should be discharged.
Product: Checking or savings account

Today I received email from Sofi that a new account opened XXXX unknown XXXX  phone numbers attached in email. My credit was fraudulently used to open an account with SOFI. I have tried over and over to contact them, and had no success spoke to customer service rep @ Sofi name XXXX nothing resolved I explained and asked for fraud department instead she gives me a non working fraud dept email. Called back again asked to speak to XXXX transferred to XXXX again no resolution. This company can not tell me how they got a hold of my personal information. I never authorized my personal info be used by Sofi for any business or financial services and requesting that all fraudulent accounts be closed immediately before taking further legal action.
Product: Checking or savings account

I got CashApp to send money to my grandson at college if needed. There was a problem with CashApp and I talk to a young lady on the phone she ask me how much money was in my cash app I told her she said ok send that to me and see if it works so I did now I told her I live on XXXX a month XXXX so any way she tells me to send XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I ask her would I get my money back she swore to me yes and she said she would send it back immediately I said ok please do I have bills automatically coming out this week she said no problem so now all my money is gone I cant pay my bills my utilities will be cut off and Cashapp is refusing to send my money back saying I sent it to them Come on what seriously who would just give their money away so they said they would try to resolve it but they said they cant help me. This is there response I understand your concern and appreciate you letting us know. I've logged this complaint for review and if you do not have anything else to add to this complaint, I'd like to continue assisting you with your support case. For reference, your case number is XXXX. 

If I don't hear back from you regarding this complaint, I will assume you recognize and understand the resolution. ME : ff Im beginning to believe she took my money wasnt helping me I will report this to every agency even the better business bureau TODAY if my Funds are not put back. THEM : After reviewing your previous message, I can confirm that we have thoroughly investigated your concerns and provided an outcome to the issues you raised. 

We understand that you may not be satisfied with our final response to your complaint. If you have new supporting information that you feel we should consider, we invite you to provide it. 

Otherwise, if there is anything outside of this request, that we can help you with, please let us know. 
What am I supposed to do to pay my bills? Ive literally cried myself to not sleeping nor eating.
Product: Debt collection

Midland credit has tried to repeatedly keep contacting me in reference to a debt that I have already resolved as a settlement and paid an installment. I sent them a letter to ceased and desist communication I received notification that they were not, and I explained that it had been paid as a settlement in installments only to be notified that I will be sued. Im still continuing to get phone calls and letters in reference to this and it even contacted the company who they are utilizing to sue me ask for a callback to show that I have proof of payments, and Ive yet to receive a call back from Midland credit manager is still harassing me And I sent the letter to them in writing, Asking them to cease and desist on all communication and they have not.
Product: Credit card

I am writing to file a formal complaint against Citi, a financial institution subject to the Gramm-Leach-Bliley Act ( GLBA ), for their failure to comply with my GLBA opt-out request. 

On XXXX, I sent a written request to Citi, exercising my legal right under the GLBA to opt out of the sharing of my nonpublic personal information with credit reporting agencies. This request was submitted in accordance with the GLBA regulations and guidelines. 

Despite the clear and lawful nature of my request, I have yet to receive any acknowledgment, confirmation, or response from Citi. Their lack of communication has caused me significant frustration and concern regarding the privacy of my financial information. 

I have attached a copy of my initial opt-out request, which includes all the necessary information required by the GLBA, to this complaint for your reference.

I believe that [ Creditor Name ] 's non-compliance with the GLBA poses a serious violation of my consumer rights and privacy, and I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter. 

I request that the CFPB conducts a thorough investigation into the non-compliance of Citi with GLBA regulations and takes appropriate action to ensure that they promptly acknowledge and process my opt-out request. Furthermore, I request that Citi be held accountable for their failure to adhere to GLBA guidelines and that they are made aware of the potential legal consequences of their non-compliance. 

Please consider this complaint as a formal request for investigation. 

I appreciate your attention to this matter and your dedication to ensuring consumer protection and privacy. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue promptly and effectively. 

Thank you for your assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we were unable to honor your request or a portion of it based on the limited amount of information regarding your dispute. If you believe that an item on your personal credit report is inaccurate or incomplete, please provide specific information. Be sure to indicate the specific item you are disputing and explain why you believe the information is inaccurate, for example : " not mine, '' " paid in full, '' " never late, '' " included in bankruptcy, '' incorrect name, etc.

If the status, a date, an amount, a balance, personal information such as name or address, or any other specific information is inaccurate you should also indicate what the correct information should be. Once we receive this information, we will process your dispute. 

You may also log on to experian.com/disputes, or call us at XXXX XXXX XXXX XXXX for faster service. *Not paying for service* The dispute process may take up to 30 days ( or up to 45 days for a dispute of information in an annual free credit report ). We will send you the results once completed. If you write to us, please provide the following : One copy of a government issued identification card, such as a drivers license, state ID card, etc.

One copy of a utility bill, bank or insurance statement, etc.

Please also include the following identification information : Your full name including middle initial ( and XXXX - XXXX, XXXX, XXXX, XXXX ) Social Security number Date of birth Complete addresses for the past two years To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/upload.