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

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, INC. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App, failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, 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: Checking or savings account

I received a Bank of America reported on my XXXX XXXX annual statement I did not recognize nor open. 

I called the number on my XXXX XXXX report for Bank of America at XXXX Eastern time and asked to speak with the fraud department. 

I informed them that I didn't open this account nor do I recognize it. They told me it looks like I did since there are many transactions on the account. They listed addresses I never lived at nor recognized over the phone. 

On my XXXX XXXX report Bank of America lists California drivers license : XXXX My license California number is : XXXX They wanted proof that I never opened this account, so I asked them what identification was used to open this account since my XXXX report that Bank of America stated is not my drivers license number and is different. 

They could not provide me with this and said all they had was a signature. 

So nothing was resolved hence why I am coming to CFPB now to help me resolve this.
Product: Money transfer, virtual currency, or money service

On Sunday, XX/XX/XXXX I placed an order for a dress for an upcoming wedding from XXXX XXXX XXXX 

Upon checking out, I was redirected to Paypal for payment. I sent the merchant {$88.00} ( which turned out to be {$92.00} total with fees ) via PayPal through my checking account. Once payment was sent, I found out the money was being sent to XXXX XXXX XXXX, which does not match up with the website I had purchased from. 

I reached out to the merchant and have not received a response. I was also unable to send the merchant a message through their " contact '' page on their website XXXX XXXX XXXX XXXX I have also not received a confirmation email for my order. I believe I have been scammed.
Product: Payday loan, title loan, personal loan, or advance loan

I have been going through financial hardship. I was approved to make payments for three mo ths on XXXX XXXX XXXX for XXXX XXXX and some change. My normal payment is approximately XXXXXXXX XXXX. Today I was charged the full amount. A mistake on their end. I tried reaching out but the customer service representative was indifferent. I am behind on rent. I pay XXXX a month which was supposed to get payed on the XXXX, this Friday. I am now overdrafted by around XXXX XXXX because of the companies irresponsibility. I asked for immediate pay of what is due to me and restitution in accordance with law and my agreement with the financial institution but was denied. So now I have no money. I'm negative about XXXX and wo t be able to cover rent Friday plus got no money at hand. How can I sue them for Mal-practice? They are quick to charge us late fees but when they mess up they won't stand up to it. Please help
Product: Credit card

I have a complaint XXXX XXXXXXXXXXXX. That further this complaint. In accordance to the fair credit reporting act. My consumer rights were violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 15 usc 1681 section 602 A states I have the right to privacy. Also 15 usc 1681 1s -2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person know or have reasonable cause to believe that information is inaccurate. Because of the violation you have made a decision based of this violation and inaccurate information.
Product: Credit card

Today, XX/XX/XXXX I was working and noticed that 3 of my Chase credit cards were removed from my digital wallet, but as I was caught up with work I did not investigate further. Forgetting what had happened, I made a purchase on XXXX using one of my Chase bank cards, however received a decline notice. I decided to log into my Chase bank app & noticed all my accounts had been closed. I contacted Chase Bank & was instantly transferred to a supervisor. When I asked for the reason as to why my accounts had been closed, I was not provided with a reason and rather was told that I would be receiving a notice in the mail with additional details. I am extremely upset about this as I had an exceptional credit score with absolutely no negative history with Chase or any other financial institution. I even went as far as reviewing my credit reports with each credit bureau & nothing strange reflected that may have caused this decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inquiries that I never authorized or know about
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) ,12 U.S.C 5536 ( A ) ( 1 ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provide consumers with the necessary proof of investigation. These are the accounts that i have marked as inaccurate Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft Police Report and False impersonation was filed with local police department XX/XX/XXXX For Deceptive Collections Practice False impersonation. All verified and certified original documents sent to all 3 # Credit Agencies. And all 3 # XXXX, XXXX, Equifax have not complied with the FCRA nor the CFPB.And a result of these agencies neglection to abide by federal law guidelines, I have dealt with denial 's, of bank 's, Home loans, and business credit lines do to the rogue ness of these agencies.Knowledge of these fraudulent Verified Accounts where found XX/XX/XXXX and I personally started to contact all 3 # agencies with my findings and correct information XX/XX/XXXX identity theft Cpbf FCRA and Police reports where certified and express mailed to all 3 # credit agencies neglection. I continued to follow up from XX/XX/XXXX to XX/XX/XXXX with certified mail of cease and desist letters police reports Cpbf reports and identity theft reports. Failed to complied. All documents are certified and copied of all activities with XXXX, Equifax, XXXX.
Product: Credit card

I'm filing a complaint against Navy Federal. On XX/XX/23, XX/XX/23, and XX/XX/23, I exercised my right to credit. However, I was unlawfully denied my right to credit, and Navy Federal Credit Union took the securities I was supposed to receive. They also used my credit card via my Social Security number for unauthorized purposes, and I received no benefit after they used my credit card. Furthermore, Navy Federal illegally took adverse action against me as a consumer. I was also denied credit based on the " amount of non-mortgage account balances paid down in the last 24 months, '' which is a violation of the ECOA.

In totality, I am filing complaints related to : Adverse action ( 12 CFR 1002.2 ) Denied securities ( 15 USC 1691 ( a ) ) Denied credit based on " amount of non-mortgage account balances paid down in the last 24 months '' ( Section 701.6 ( a ) ( 1 ) of the ECOA ) Discrimination ( 12 CFR 1002.4 ) Last but not least, I tried three times to exercise my right to credit, and Navy Federal has been acting belligerently and discriminatively against me. Therefore, the remedy I am seeking is not only my securities they denied me, but I would also like compensation because their denial has affected my way of living
Product: Credit card

I made a payment to my XXXX line of credit on XX/XX/XXXX for {$4800.00}. The money was immediately deducted from my bank account as it was an electronic payment. On XXXX  XX/XX/XXXX I saw the money completely removed from my account and no credit to my XXXX account. I contacted XXXX and they informed me that large payments are flagged for fraud and the money is held to verify if the funds are available. That would all make sense if I had written a check but this was a direct electronic payment. However the representative insisted that this was the Synchrony bank policy even though the money as already left my account. The further informed me that I would not be credited the payment until XX/XX/XXXX? This is more than 10 days after the money has left my account. It seems as though the bank is floating the funds for their benefit bc why cant you credit my account if you already received the payment?
Product: Mortgage

I am set up on autopay. The loan servicing company changed companies ( bought or moved to a new company ). They said there was nothing needed on my end. Everything would stay the same, including autopay. 

Unforuntately, when XXXX came around I was not seeing a debit being pulled. Then XXXX a debit was pulled but then on XXXX it was reversed stating the account was closed from my bank. My bank account is not closed and it had funds waiting. 

I made a manual payment on XX/XX/year> for the full amount. The next day they are charging my bank account twice for the mortgage payment. They autopulled from the bank account they said was " closed '' - and they charged me a late fee of {$25.00}. 


I dont understand why I have a late fee if I had autopay set up with a working bank account with the money present. 

Now they are charging my bank account twice.
Product: Money transfer, virtual currency, or money service

At XXXX I received a call from XXXX. At XXXX I received a second call from XXXX with someone claiming to be XXXX XXXX XXXX Bank of America XXXX XXXX. He stated that there were several fraudulent transfers to someone with XXXX. I was instructed to create an account so that we could dispute the transfers. I did so then was told that we needed to input the amounts of the transfers so that BOA could dispute the transfers. Because the phone number EXACTLY matched the phone number on the back of my cards I complied. 

I then redialed the number and talked to BOA XXXX department and they informed me that their phone number had been spoofed and that my money is now gone. 

There MUST be something in place to prevent these things from happening. If XXXX doesn't have anything then they are XXXX in the theft and fraud. I do not accept the excuse from XXXX that there is nothing that can be done. They are 100 % complicit because they choose to be. 

It also should not be up to customers to decide which phone numbers are legitimate or not. The number that came up is Bank of America 's number, the same number on the back of my cards. There is NO WAY for a customer to know if a number has been " spoofed '' or not. Bank of America can claim that they will " never '' ask for information, but they do. They ask for it all the time. They send emails to customers with links to click that ask you to input potentially sensitive information. 

This is a clear violation of Regulation XXXX of the Electronic Fund Transfer Act and XXXX needs to be held accountable.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny,XXXX XXXXbject : Dispute Regarding Credit-builder Policy and Misrepresentation I am writing to formally dispute and express my concerns regarding the credit-builder policy outlined by XXXX After reviewing your policies, I have noted a significant lack of clarity and potential misrepresentation concerning the implications of late payments on a users XXXXredit score. 
Your credit-builder policy states that while there are no interest, late fees, or annual fees, late payments can indeed harm a users credit score. However, I believe that there is insufficient disclosure regarding the reporting of late payments to credit bureaus. It is misleading to promote a service as a " credit-builder '' when the consequences of late payments are not clearly presented, potentially leading customers to believe that they are improving their credit when, in fact, they may be jeopardizing it.

The absence of explicit communication regarding the reporting of late payments raises concerns of fraudulent misrepresentation. Customers, including myself, rely on the understanding that using XXXX 's services will build our credit profiles, not detract from them. Therefore, the lack of clarity in your policy could result in unintended damage to users ' credit ratings. 
I request a prompt response to this matter, including a clarification of your policies regarding late payment reporting and any measures you will take to rectify the ambiguity in your communications. 
Thank you for your attention to this important issue. I look forward to your prompt response.
Product: Bank account or service

When I opened an account with PNC back in XXXX 2016 there was a promotion to get {$200.00} if I deposit {$2000.00} and use my card for a certain number of transactions and pay a bill online. I did all those things but still did n't receive the promotional offer. I went to PNC branch in XXXX NJ in XX/XX/XXXX and spoke to the manager who opened my account ( XXXX XXXX ) he said he will look into that. Nothing happened for two weeks and I went to see him again, he made a call and said the money will be in my account in ten working days. This however didnt happen so I emailed him on XXXX XXXX and he said he will look into that. To this day I didnt receive the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the same fraudulent account to my credit report again. 

XXXX XXXX - XXXX They removed it last year after I filed a CFPB and a police report, but here they are again for the 3rd year in a row posting this same fraudulent account!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit monitoring service through Experian. Each time I go their site to check my credit, I am bombarded by credit solicitations. A couple of months ago, I went to their internet site to check something and received a messages stating ( paraphrasing ), '' your credit would be better if you had more credit sources '' - and it gave me several credit cards it recommended. In another message I was told, " based on your credit information you would benefit from a new credit card that would allow you to consolidate your balances and make no payments for 12 months ''. I never carry a credit card balance, but this seemed like an easy, no interest " loan '' and I applied to the XXXX XXXX card they recommended. I was subsequently approved. 

Immediately thereafter, my credit score plunged, solely ( based on their own communications to me ) based on the new credit card. Subsequently, I have had my credit limits on my other credit cards reduced due to the additional card and lower credit score. 

This is highly unethical and seems to fall under UDAAP and possible FCRA. I would never have even thought to apply for the card I did not need without Experian 's urging.
Product: Credit reporting, credit repair services, or other personal consumer reports

602-15 U.S.C. S1681 ( a ) ( 1 ) : States that the banking system is dependent upon the fairness and accuracy of credit reporting and that inaccurate credit reports directly impair the efficiency of the banking system.

616-15 U.S.C. S1681n ( a ) ( 1 ) ( A ) : States any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer .. and because of negligence of the consumer reporting agency i was denied mortgage and job opportunity and demand damages be awarded.

U.S.C. S1681s-2 ( A ) ( 1 ) States the consumer reporting agency is regulated to reporting accurate information and can not furnish information on a consumers report that they deem inaccurate.

604-15 U.S.C. S1681 ( A ) ( 2 ) Consumer reporting agency can not furnish an account without my written consent 602-15 U.S.C. S1681 ( A ) States consumer has the right to privacy which was not respected in transaction from said company.

611-15U.S.C. S1681 ( I ) ( 5 ) States if information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall delete said accounts. 

XXXX department of XXXX - XXXX Inaccurate Information [ XXXX ] Department XXXX XXXX - XXXX inaccurate information [ XXXX ]
Product: Credit reporting or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting Act, CARMAX AUTO FINANCE, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer as late for any purpose.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I purchased {$2000.00} SHIBA and {$1000.00} ETH  with a verified bank card, and then I sent the ETH  to another wallet, and then my account was restricted. I tried to contact the customer representative and they asked I wrote my name, date and the name of their company on the white paper, and uploaded the selfie photo with this white paper for verification. I uploaded these files according to their requirements! But 11 days have passed, and there is still no solution, just answer that I am still under review, let me wait patiently! I can only watch my funds fall from {$3000.00} to {$1700.00}. But I cant do anything, nor can I sell! I am unwilling to bear these losses because I purchased it with a bank card that has been verified by them!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to correct some information on my report and have sent two letters to this bureau : the first was XX/XX/XXXX and the second was XX/XX/XXXX. I have yet to receive any responses despite the 30-45 day legal time frame they have to investigate and respond. The two accounts that need correction are XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX - XXXX which are showing a payment history that I do not believe to be accurate.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to TRANSUNION due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable accounts, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, accounts status and payment history are still reporting. 

My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

XXXX account # : XXXX. Looking over my credit report, I saw your company reporting the collection account referenced herein. Following the Fair Debt Collection Practices Act ( FDCPA ), I am notifying you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information. Original contract agreement, clause in the original signed contract that authorizes the third party like yourself to collect on this debt, statements from the original creditor and itemization of monies owed, copy of bill showing last default date, proof that the debt is valid and collectible and within the statute of limitations for this state, proof that you are licensed to collect in my state of residence and a agreement between your company and the original creditor that authorizes you to collect on this debt. I am allowing you 30 days to give me this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.Your failure to act will result in this matter heading to small claims court for violations of the FDCPA.