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

This company is reporting payments on my report. This account was never late. The company is reporting I am late 30 days on one reporting agency and 60 days late on another. According to Metro 2 compliance and the FCRA all information should be reported the same to each reporting agency. 

There is an error with this account reporting, this account was never late. 

I have attached the payment history showing there was a payment made in XXXX when the alleged 2nd late occurred on one bureau, and XXXX payment was also made for the alleged 1st Payment.

Attached is also the reporting inaccurate from one credit bureau to the next.
Product: Debt collection

State Farm Bank whom I had an home equity loan with once I paid the loan down to % 20-25 in late lump sum payments I told them I would receive and did from XXXX XXXX XXXX benefits. After the 1st portion of the settlement and 1st payment I was sent to credit reporting agencies for the reminder ( the % 20-25 ). 
Since being reported and I believe that they wrote the debt off filed claims or taxes on the debt Years later I have received threats of foreclosure for the whole original debt of the entire loan. 

S.o.s.
Product: Credit reporting or other personal consumer reports

Charge off from XXXX XXXX XXXX XXXX  was supposed to be deleted on XX/XX/XXXX it wasn't deleted, first date of delinquency was XX/XX/XXXX account has been updating which is causing it to re age, charge off are supposed to be deleted after 7 years, I've sent letter to all XXXX company 's and no response
Product: Credit reporting or other personal consumer reports

Greetings, I appreciate your attention to this matter. My name is XXXX. I have some unfortunate news. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity and Chex systems. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c- 2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.
Product: Debt collection

I am concerned because I have been paying a monthly payment to XXXX XXXX XXXX to pay off a debt and they still put on my credit report showing as a collection. I thought as long as they are receiving a payment they ca n't add to my credit report. I want deleted off my credit report since I pay them monthly. I am in the process of purchasing a house and this has dropped my credit score tremedolous.
Product: Money transfer, virtual currency, or money service

I have had two incidents with Cash App. I use Cash App as a source of Income money for my business AJ Sweets I couldve easily lied and said I do not do business, but I did the things the right way two times I was hacked to my account and fraud was committed into my account the first time nothing couldve been done the second time it happened. I was XXXX and asked to speak to a representative via chat. They told me they didnt have a phone number for Cash App but it was chat. Only I asked for my money back. It was denied so then I got more pist and said why do I have to continue with this and pay somebody else elses errors? I waited a few days almost a week and enter the chat again and ask for my money back then it was a hold on my account for XXXX or XXXX business days. They verified my account I had to send information regarding my drivers license I did all that after that they helped me.
Product: Vehicle loan or lease

GM Financial has closed their title processing office due to COVID19. Though I am sympathetic to this, it is costing me the ability to retrieve my title on a payoff. And therefore I can not resell my vehicle. Conversely ; GM Financial continues to issue financing and accept titles for car sales at their captive GM dealerships. 

This is an anti-competitive tactic not enabling private sellers to sell their vehicles if GM Financial holds the note.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the consumer and this complaint is filed by myself with no other third party. XXXX and XXXX  likes to send nonsense auto generated responses to buy themselves time or to fullfill their 15 day response obligation to the CFPB. With XXXX  and XXXX I have Multiple Accounts that are in violation of FCRA 623 ( a ) ( 3 ) because they fail to provide the legally required notice of dispute. I demand these accounts be DELETED IMMEDIATELY or a lawsuit will be filed against XXXX and XXXX as well as the creditor for willfully violating FCRA 623 ( a ) ( 3 ) by continuing to reporting these accounts on my file without the required notice of dispute. The companies named in this complaint ALL HAVE a legal duty to REMOVE THESE ACCOUNTS because by law, they are NOT to be reported on a consumers credit once the notice of dispute was not entered by the original creditor. Continued reporting is a blatant violation of the FCRA and attempts to avoid, ignore, or intentionally harm or misrepresents the consumers credit file 's accuracy is defamation of character AND ALSO IN VIOLATION OF THE FCRA. This has been disputed and complained about numerous times and XXXX  AND XXXX  continue to ignore the LAW. Empty promises of reinvestigations, automated form letters, and nonsense scripted excuses are the normal response to these CFPB complaints. This has been going on way too long and these companies continued disregard for laws that they are obligated to follow is beyond disrespectful and insulting to consumers. Law suits are being prepared if this complaint doesn't remove this accounts in blatant violation.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, Zelle and my financial institution failed to navigate my claims adequately. They informed me that recovering the lost funds was not feasible and tracking them was impossible. The CFPBs findings indicate that Zelle has neglected to protect consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This unacceptable lack of accountability and transparency raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of XX/XX/XXXX I received an offer from XXXX XXXX to apply for a loan, which was then denied due to an outstanding collection I have. I was not aware that I had a collection in my credit report until this occurred. I have now learned that there is a collection against me from a loan I cosigned for years ago. 

When I look at my credit report I see in XX/XX/XXXX there were a few ( three I believe ) late payments from the owner of that cosigned account. Then after XX/XX/XXXX it  shows a {$0.00} balance and green check marks as if the account was then caught up and current. I also did not know that the payments had fallen behind that year, I never got any late payment notices and my credit score did n't change. The balance to that account showed {$0.00} in the last year. I thought the primary owner of the account had paid it off because there was no other information provided to me. 

Now there is a collection on this account. Only in XX/XX/XXXX did I receive notification of collections in writing, which is well after it has started to show up in my credit report as a negative impact. I tried to dispute this with the credit report agency, they ignored my complaint, and I also complained to this agency but since I did n't have any info on the collector nothing could be done. 

Now I have a letter from the collector, it is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX IL XXXX, XXXX. Again, this is well after it has negatively impacted my credit when I was n't even aware that the debt still existed, and when I did discover in in XX/XX/XXXX I was given no means to catch up with any payments. Now it 's due all at once and I can not pay it as such. 

My credit history is perfect otherwise, I have never had a late payment registered anywhere since my credit history began. I never would have let this become a collections account if I knew about the issue. I think my own credit history ( not the cosigned account and collection ) is proof enough of that.
Product: Debt collection

I would like ALLY FINCL to show proof of verification that I owe them {$3900.00} with the account above. To my knowledge, this account has been paid. ALLY FINCL is reporting inaccurate information on my credit report. I felt the item was not being reported legally. A couple of days ago I received a a letter stating that your investigation was complete. 
1. What certified documents were reviewed to conclude your investigation?

2. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA : Please answer the following questions : a. Who did you speak with? 
b. What was the date? 
c. How long was the conversation? 
d. What was their position? 
e. What number did you call? 
f. What is the name of your employee that spoke directly to the creditor? 
g. What is the position of your employee that spoke to the creditor?
Product: Bank account or service

A bank I held a checking account with was purchased by First National Bank. My checking account and funds were moved to a new bank without my permission. When I attempted to close this account multiple times over the phone I was told I could not due to various issues. First I was told the account was in transition and would have to call back in a few days. Then was told I could n't close it over the phone and had to go to a bank branch. During this time of me actively trying to close the account a recurring payment I had set up with my actual bank hit the purchased account and I was charged {$200.00} in overdraft fees. When I attempted to have these waived due to circumstances above I was told I had authorized the payments ( which I had not ) and failure to pay immediately would cost an additional {$12.00} a day. This was the most unbelievable experience I 've had as I was being hijacked and extorted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 14 usc 1681. 

XXXX XXXX  XXXX and XXXX XXXX XXXX has violated my rights. 

15 u.s.c 1681 section 602a states I have the rights to privacy.

15 u.s.c 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c. 1681s-2 ( a ) ( 1 ) a person shall not Rhenish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TransUnion for Denial of Access to Credit Report Dear Sir/Madam, I am writing to file a formal complaint against TransUnion for its refusal to provide me with a copy of my credit report, both through its online system and through the platform at XXXX Despite my legitimate requests, I have been denied access to my report, which is a violation of both state and federal laws governing credit reporting and consumer protection. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681g, I am entitled to one free credit report annually from each of the major credit reporting agencies. XXXX refusal to provide me with my credit report through the legally mandated platform is in direct violation of this federal law. 

Furthermore, under Texas Business & Commerce Code 20.03, consumers in the state of Texas have the right to access their credit reports, and credit reporting agencies are required to provide these reports to the consumers when requested. TransUnion 's failure to comply with this state law further exacerbates the situation. 

In addition to my attempts to access my credit report online, I called TransUnion directly and requested a paper copy of my report to be sent by postal mail. However, this request was also denied, and I have yet to receive any response. 

I request the CFPB 's intervention to ensure that TransUnion complies with both federal and Texas state laws by providing me with access to my credit report as required. 

Please do not hesitate to contact me if you require any further information to process my complaint. I look forward to your timely assistance in resolving this matter.
Product: Vehicle loan or lease

I opened a loan account with Chrysler Capital for my new vehicle in XXXX. I paid my all monthly installments on time until XX/XX/XXXX, when I wanted to re-finance my Auto loan because my APR was 27 % and higher. I requested them to re-finance but chrysler capital denied that they do not re-finance because they like to charge higher interest rates and my credit score was XXXX and good enough for low payments. 

I tried to re-finance with other financial institution and requested pay-off letter from Chrysler Capital and informed them that I want to re-finance. Customer representative " XXXX '' from Chrysler Capital spoke with me on XXXX XXXX and I confirmed with him that my Auto re-finance is under process and I am not paying monthly installment because I do not want to change amount on my pay-off letter. He assured me that I can wait until end of XXXX and late payment will not be reported to credit agencies.

But, they reported it as late payment which is not right because they knew that I am re-financing and they messed my credit score again, so that I can not re-finance with other financial institution. 
Please note, such financers keep on charging every month and do not even let the customer pay the principal amount. I have noticed that XXXX, XXXX my pay off quote was {$31000.00} and now after one year in XXXX, XXXX my pay off amount stands at {$30000.00} and I paid {$790.00} every month. So, I paid off my principal as {$970.00} in whole year which is unfair as these greedy financial institutions charged me more than {$8000.00} in interests, such deceitful financial institutions should be barred from charging customers such higher amounts of interest.

I am at the verge of buying house and refinancing my Auto loan and they put late payment on my account so that I can not move forward with my goals with messed up credit score, I want strict action against them for charging me 10 times more interest than my principal amount.
Product: Student loan

Hello, I have many private school loans with Key bank. They are claiming I defaulted on XXXX large loans with them. They are demanding that I pay them each month, but they will not send me the loan agreement for XXXX the loans that they claimed I defaulted on. I thought that I was paying these loans through XXXX. I am so confused on how to sort this out. I do n't think I should have XXXX loans in default.
Product: Credit reporting

report number XXXX Equifax changed my name to a former married name. 

My name is XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON. I HAVE TIGHTS UNDER 15 USC 1681. MY CIVIL RIGHTS WRE VIOLATED NUMEROUS TIMES AND I AM REQUSTING/ DEMANDING THESE INQUIRY ACCOUNTS/ COLLECTIONS BE REMOVED XXXX  XXXX NA XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX 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, THESE ARE NOT MY ACVOUNTS, WHICH LOWERED MY XXXX XXXX, HIGHER INTEREST RATES, PLEASE REMOVE THESE INQUIRIES/COLLECTIONS
Product: Money transfer, virtual currency, or money service

Paid for a product not received on XX/XX/23. Total amount of {$110.00} for tickets that were to be transferred to me after exchange of funds via Zelle. Transaction was made via Zelle, but no product received. Have screen shots of conversation between myself and the scammer. All profiles of this scammer/thief have been deleted off of XXXX platform and XXXX. Currently trying to dispute with my financial institution under Regulation EXXXX Scam was initiated on XXXX platform. Attached is the screen shot showing the transaction of my funds being transferred. Have more screen shots if needed.
Product: Prepaid card

I want these inquiries to be deleted because I did not authorize these companies to run my credit Capital One XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates LLC Claims that I owe a debt to them directly without any proof. PRA LLC has send notice of an account in my name to all XXXX credit bureaus, without validating such debt. I have asked PRA LLC of proof of debt, including DOB, SSN, et cetera, and PRA LLC has failed to provide such supporting documentation. PRA LLC has send BLANK SHEETS from a financial institution WITHOUT anything written on them. This is a clear violation of the Fair Credit Reporting Act of 1970. PRA LLC has not contacted me either via mail or phone to give me a chance to dispute such debt. It appears to be that this company is not operating in good faith under any circumstance. I have reached out to PRA LLC via mail and I have received no supporting documentation at all, other than BLANK SHEETS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting my accounts with them to the credit bureaus twice which is negatively impacting my score, because it is saying that I have been past due on 5 accounts when it's really only 3 accounts, of which 2 are with XXXX. I have 2 accounts with XXXX and on my credit report it is saying I have 4. They originally reported the two accounts under XXXX XXXX XXXX XXXX XXXX In XX/XX/2021 I filed a complaint with the CFPB about the credit bureaus reporting on accounts that had incomplete paperwork. XXXX agreed with me and deleted the XXXX XXXX from my report. XXXX and Experian said that they couldn't delete the accounts until XXXX told them to, regardless of what documentation I send them. XXXX didn't like that the accounts were deleted, so they re-reported the EXACT SAME ACCOUNTS but under a new name, XXXX XXXX Asset . They did not delete the accounts under the XXXX XXXX XXXX Experian and XXXX prior to reporting the same accounts under the XXXX XXXX XXXX name XXXX so now the accounts are listed twice. I have disputed this with XXXX adn Experian twice, but they keep coming back that XXXX verified the accounts, so they won't delete it. I have no idea how they're verifying I have 4 accounts when I clearly only have 2. I called into XXXX this morning and spoke to 2 customer service agents who both agreed I only have 2 accounts but refused to investigate or help. They said that I had to send in a copy of my credit report to them, highlighting where the duplicate accounts are. When I asked why they can't investigate themselves since it's their mistake, and they're the ones reporting it, the agent just said 'this is customer service 's process '. They have been duplicate reporting since XX/XX/2021 and are refusing to fix it. XXXX has the absolute worst customer service, and I would know because I worked in finance for over 10 years. We would never allow customers to be treated this way. I have no idea how this corrupt company is even allowed to still be open. I just want my credit report fixed, so I can move on from this nightmare that is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, XXXX and XXXX did not modify or remove anything. 

So I asked for the description of the investigation according to 15 USC 1681i. I still didn't receive anything.
Product: Debt collection

I received a debt collection notice from American Coradius International, LLC notifying me that I owe {$100.00} from XXXX. I opened my XXXX account and it says I'm current and no past due amount is owed. So I contacted the debt collection agency above and they when they confirmed my DOB, address, and email address, they said the charge from XXXX had a different email address ( XXXX .... ). This email did not match my email address, so they suspect it is fraud and told me to contact my local police department to fill out a police report and contact XXXX.
Product: Student loan

My automatic and manual student loan payments are not being accepted by AidVantage and are listed as " payment reversals '' in the payment history. I scheduled autopayments and noticed my balance wasn't decreasing and payments were overdue - I repeated this and ensured all info was correct both by myself and with a customer service rep. I re-scheduled the autopayments to verify info was correct, double-checked my bank, and submitted numerous manual payments. NONE were accepted, my balance is increasing, and no money was withdrawn from my linked accounts. 

Dates of payment reversals and total balance : XX/XX/24 Total balance {$59000.00} XX/XX/24 {$59000.00} XX/XX/24 {$59000.00} XX/XX/24 {$59000.00} XX/XX/24 {$59000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.