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

XXXX is reporting fraudulent activity on my credit report on XX/XX/XXXX from XXXX XXXX XXXX. contacted the agency and asked for proof that i authorized them to run a credit check on my profile. they have failed to response and provide these documents or proof as of XX/XX/XXXX, XXXX is still reporting fraudulent activity on my report that i do not recognize.
Product: Vehicle loan or lease

On XX/XX/2019 I purchased a XXXX  XXXX XXXX. This purchase has proven to have lasting consequences. Auto finance companies in my case Chrysler Capital Santander set and established a whole salebuyrate for potential retail installment sale contract ( RISC ) and communicates that rate to the dealer XXXX  XXXX located in XXXX XXXX. This so calledpolicy which allowed the dealers to contract with me for a higher rate ( pejoratively referred to by the CFPB as the dealer markup. 
After looking through my contract I found no mention of this. And after extensive research I learned that this information is not disclosed to buyers at all. Also, If the contracted amount is higher than the wholesale buy rate, and the contract is assigned to the finance company, the dealer receives an amount referred to as a reserve ( or finance charge participation ). 
DMEA. In some instances the profit is split between the dealer and the finance company. I learned shortly after XXXX XXXX XXXX  financing offered me an extremely lower interest rate that the dealer did not disclose to me. It wasnt until I received correspondence from XXXX  XXXX that I learned that offer was afforded to me and at that point I had already singed the bill of sale for financing at an interest rate of 22 % from Chrysler Capital. This is a common occurrence and experience for minorities and should not be permissible but be considered Predatory. Fair business practices should disclose all factors that has additional cost implications for the buyer. Perhaps if any of the points I made above were disclosed I would have decided otherwise or negotiated other terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion AND XXXX has false, erroneous & harmful information from my credit profile and should rectify this as soon as possible by deleting this from my credit report. 
this is not only incorrect but is also impacting me negatively as I can potentially be denied employment and or housing. 
the accounts that should be removed are : Dept of Ed/XXXX  Dept of EdXXXX US Dept of Ed
Product: Credit card or prepaid card

Today on XX/XX/XXXX I spoke with a Capital One Representative XXXX. She was kind and professional. I inquired with her as to why Capital One has not increased my limit once in over 3 1/2 years? Supposedly every 6 months they can do so. Also, I inquired as to if I request an increase would that be a soft or hard pull on my credit? XXXX assured me that it was in fact a soft pull, and could not explain why I was never offered an increase. Today I was denied an increase on my Capital One credit card. I believe I am for some reason being discriminated against, and do not understand why. My credit scores with all 3 major credit bureaus range from XXXX. I missed one payment with Capital One in XXXX of XXXX. I have not missed one payment with Capital One or 16 other creditors since then to present. Needless to say my payment history is exceptional. I reduced my debt drastically over the course of XXXX. My debt utilization is under 10 %. Furthermore, I sent Capital One a goodwill letter this past year asking that they please delete the missed payment as I have always been responsible in paying off my debt with them. Capital One declined, and I know they can delete it as I spoke to lawyer. Capital One who is parent to Kohl 's credit cards shut my Kohl 's card down with notice damaging my credit history this year, because that card was well established for years. Capital One is not increasing me credit that I know I deserve. My credit reports show that lenders see me as very responsible. Capital One is treating me unfairly, and I am asking for the CFPB 's help as to why? I will upload some screen shots that are of my credit reports with all 3 bureaus.
Product: Credit card

Last year my auto pay randomly shut off, I got it figured out via online through PNC It happened again after that and affected my credit..went to branch and they fixed the auto pay for the second time but said they couldnt fix that it put a ding on my credit ( which I know is not true ) auto pay shut off again affected credit for third time a couple months later went back to branch they assure me it wouldnt happen again. It happened for the fourth time now, affecting my credit each time. I refuse to pay them the late fees and want it off my credit score and they took it upon themselves to withdraw the fees and payments owed from my savings account without any approval. Ive been with PNC bank for 14 years
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper reporting of credit
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 15USC 1681. 

XXXX : XXXX, XXXX : XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right 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 Any other adverse item of information, other than records of my convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.
Product: Credit card

XX/XX/2016 I applied for the XXXX Plus Credit Card by Chase shortly after received a letter asking to provide proof of physical address and DOB which I faxed over and a few week laters when I called got a confirmation that they received it on XXXX XXXX. By this a lady from the Credit Dept stated that I would be receiving a something in the mail. I asked if I was approved or not and she just replied you 'll get something in the mail. A week later no mail I called again and was told that I was mailed a letter to confirm my identity ( why could n't they tell me this the 1st time ). At this point the male mentioned that they will mail me another - I also asked to speak to a manager & was told that I will get a call back within 24-72 hours ... no call back ... a week later I called again which they put me on hold for over 50 mins ... I hanged up and called and was told a manager will call me back. 

It 's over 60 days from the day of my application over 45 days from the day they confirmed they received my pending requirements and still no word or nothing.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Product: Credit reporting or other personal consumer reports

I have chosen to opt out of reporting of furnishers of information as they did not receive my permission to report to the credit reporting company or act as financial institutions. I am revoking whatever permissions they were granted. the accounts will be removed. 

For the purpose of this report-furnisher of information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Furnisher of information to credit agencies, the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Furnisher of information to credit agencies whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Furnisher of information to credit agencies Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. ''
Product: Debt collection

on XX/XX/XXXX, XXXX XXXX XXXX reported a {$66.00} debt, for XXXX services : To AWA collection, XXXX XXXX  XXXXXXXX XXXX caXXXXXXXX ( reference number ; XXXX ) this service was paid by my insurance company in the year XXXX by XXXX XXXX If XXXX XXXX XXXX billed them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has charged me XXXX dollars for a cell phone I never had. I dont have an account with XXXX  nor any services from them. I disputed the mark on my credit report in trans union and they said it was a legimate charge.
Product: Mortgage

XX/XX/XXXX : I contact Bank of America ( BOA ) to assume my ( 2 ) current mortgages ; both currently in my and my ex-husbands names. He is remarried and resides with his current wife in a different city. He quit claim to the property and filed bankruptcy after our divorce was final in XXXX. I continue to occupy and pay both mortgages since XXXX. BOA told me the application process for assumption is the same as the application for refinance despite explaining that I do not want to refinance. Application packet received in mail. 
XX/XX/XXXX : I complete application, attach taxes, allow access to previous tax returns, check stubs, tax bill, insurance dec page, etc ; weeks of gathering documents and signatures including signed and filed Quit Claim Deed. I have not had a late payment to BOA in years yet 'XXXX  from BOA ' claims there is no alternative but for the big bank to run a credit check, refuse my request for assumption and turn my life upside down. Instead of helping me, they hide behind red tape to price gouge me out of my home. Even go as far as renege the despicable offer to refinance based on my credit score ( which is ALL medical bills ). They will not offer any level of existing customer consideration for my explanation of low credit score or good payment history. Not sure what their end game is but to make living my current home unaffordable. I need to assume my mortgage ( s ) under their current terms, i.e. payment amount ( s ) and interest rate ( s ). I am under court order to do so and have NEVER missed a payment with BOA. Today I call to speak with anyone who could help me and 'XXXX  from BOA ' says I have no alternative but accept the rejection. There are no loan officers or underwriters who speak to customers so I am filing a complaint against the big bank who I believe can and should do better for people. I believe I read online that the law says I am not required to refinance in order to assume the mortgage ( s ) which leads my question that BOA is choosing to treat me this way. As an existing customer I should not have to seek out or pay for legal counsel to negotiate with a mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : + XXXX : o XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} o XXXX XXXX Balance : {$26.00} o XXXX  - XXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXX Balance : {$0.00} XXXX : o XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$15000.00} o XXXX XXXXXXXX Balance : {$26.00} o XXXX XXXX XXXXXXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXXXXXX Balance : {$0.00} TransUnion : o XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} o XXXX XXXX Balance : {$26.00} o XXXX - XXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial reported a late payment for XX/XX/XXXX and XX/XX/XXXX. 

XX/XX/XXXX was a tough year. Covid was spreading and I was sick at the time back to back they said they couldn't offer me any assistance due to me using all 4 payment extensions. I made the account 30 days late but then I was told by a representative that they were offering assistance and that they wouldn't report people late during covid as long as the account was not 60 days past due. I tried my very best as a single mother trying to survive during tough times and made the payment 1 day late which pushed me to 30 days being reported late. This is not fair. I even saw on the GM website they were helping customers during covid but they refused to help me. 


XX/XX/XXXX was tough for me I was on XXXX XXXX and wasn't receiving my payments on time from state XXXX but I tried my very best to make sure I made my payments on time to avoid any future mistakes. My payment was due on XX/XX/XXXX. I made my payment on XX/XX/XXXX. Someone how my bank rejected the payment and I was not aware until the following 2 business days that the payment didn't go through so immediately made a payment on XX/XX/XXXX with ACI payments which is instantly instead of doing ACH for the amount of {$520.00} plus the {$5.00} fee so the payment would immediately be taken out to avoid any delays. I called the next day to speak to a representative and explained what happen and they said there was nothing they could do and that I could try disputing with the credit bureaus. I tried several times with no success. These late payments are drastically affecting and as long time GM customer the company would not help me.
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 mh account unprotected and vulnerable. Furthermore, their dispute resolution process is unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation e.
Product: Credit reporting or other personal consumer reports

For the past ( 3 ) months, on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of XXXX  I have sent several letters to each of the major credit bureaus. 

The letters clearly instructed the bureaus to correct my credit report based upon the Metro2 Code Compliance standards. 

My request for correction has been ignored without proper action taken, particually by XXXX. They have repeatedly sent me notice that they " have not taken any action on my alleged request ''. 

After several calls, letters and cover letter attempts to get them to ACT on my behalf, the response from them appears to now be a stalling tactic to not take proper action on my account, per my request. 

Information on my report is inaccurate and I simply want the items requested removed and/or deleted from my credit record.
Product: Credit reporting or other personal consumer reports

XXXX Prior CFPB Investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Late Payment Reporting and Request for Deletion Dear XXXX, XXXX am writing to formally dispute the accuracy of my credit report concerning several accounts that have been inaccurately marked as late. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a, 15 USC 1681s-2, and 15 USC 1681n , I have the right to dispute any information that I believe is inaccurate. Additionally, under 15 USC 1666b, I am concerned about the timing of the payments reflected on my report. 

The accounts I am disputing are as follows : XXXX XXXX XXXX XXXX Date Opened : XXXX Account Number : XXXX XXXX XXXX XXXX  Date Opened : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Date Opened : XXXX Account Numbers : XXXX, XXXX I have provided you with over 30 days to investigate and correct these discrepancies, yet no action has been taken. Your inaction has placed XXXX in violation of the above-referenced statutes. Therefore, I am requesting the deletion of all transactions marked as late for the accounts listed. 

If this matter is not resolved today, I will seek professional representation for small claims court. I am also pursuing monetary relief due to your noncompliance with the FCRA and related regulations. 

Please consider this letter a formal request for prompt resolution. I expect a written confirmation of the deletion of the late payments from my credit report within the next XXXX business days. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

Shellpoint Mortgage Servicing will not cancel my PMI off my mortgage payment. I should have been eligible to stop paying PMI in XX/XX/XXXX, because I have a good payment history, I am current on the loan, I have no liens on the property, the value of my property has not declined, and I have well over 20 % equity from the original loan value. I sent a written request XXXX, and was denied via a letter I received XXXX. I was denied due to a late payment XX/XX/XXXX and would be eligible to cancel PMI two years after that date. Called in XX/XX/XXXX to ask if PMI could now be removed, was denied again via mail XXXX. Sent written request XXXX and received an e-mail XXXX saying thank you for contacting us, we will send paperwork for you to fill out. Received a letter XXXX saying they were " working to gather info '' I have not been contacted again as of XXXX and my XXXX payment coupon still has PMI in escrow. Also received an escrow analysis dated XXXX that shows me having to pay PMI for another year. Please help.
Product: Credit card or prepaid card

Citi computer systems misrepresented the amount due and instigated auto payments when in fact they had been paid and the account showed a zero balance. Auto payments resulted in {$54.00} in NSF fees to which Citi 's response was " present our letter to XXXX and maybe they will refund the NSF fees ''. 

Details in attached letters, Citi statement and XXXX and XXXX statements. 

I did reach out to XXXX and they did (! ) refund the NSF fees. That's a mystery to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  ( XXXX Credit Card ) is incorrectly reporting my account as late. I submitted a dispute with the bureaus and XX/XX/XXXX responded with a document showing that they NEVER received payment from me since XX/XX/XXXX( please see attached document showing them saying I never paid ).

I have made payments to XXXX  in XX/XX/XXXX and XX/XX/XXXX( Please see attached documentation as proof ).

Furthermore, the noted on my credit reports that the account was closed inXX/XX/XXXX when the account was closed in XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$13000.00}