23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed report on company once before. Then I received notice from my credit monitoring that I have a derogatory item on my report. I called XXXX  and they said I have to pay {$99.00} to get it fixed. I then contacted the company that gave me payday loan and I have not heard back. They are reporting u owe {$850.00} when I have paid {$650.00} and I have receipts plus I tried to make final arrangements for remaining amount and they refused to work with me. I got loan on XX/XX/XXXX in XXXX and I dont owe them {$850.00}!!! In XXXX theyre were threatening me with jail so I sent them a letter asking them to stop contacting me! Very nasty company with horrible collection practices! Theyre now back at it and I need some help please! 
Emails I have sent XXXX. 

Okay I will call to settle my account. State law for Montana only allows a cap of 32 % interest for payday loans. Additionally the harassment of calls on XX/XX/XXXX broke state and federal laws. Please keep the interest cap in mind as we negotiate the final payment when I have already paid {$220.00} on a {$500.00} loan. I think a fair payment offer is in order. Look forward to a productive call with no games. 

Thank you, XXXX XXXX XXXX, and XXXX XXXX XXXX, I'm making contact again to find the out the address to send final payment for a payday loan issued on XX/XX/XXXX for {$500.00}. I have made a payment of {$220.00} already leaving a balnce of {$270.00}. With the reasonable interest rate of .36 % allowed by my State of Mt and remaining balance I agree to make a final payment of {$370.00}. Please send me the address of where I need to send final payment. Thank you! 



Under Montana law, deferred deposit ( payday ) lenders may charge fees equaling one-fourth of the loan, which, as an annual interest rate could range from 300 percent to 650 percent. Title lenders may charge similar interest rates. I-164 reduces the interest, fees, and charges that payday lenders, title lenders, retail installment lenders, and consumer loan licensees may charge to an annual interest rate of 36 percent. It prohibits businesses from structuring other transactions to avoid the rate limit. It also revises statutes applicable to pawn brokers and junk dealers. 

Sent XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , MT XXXX Remove my routing and account number from your records! How sneaky trying to pull funds under red leaf ventures instead of red leaf lending! This is fraud and unethical I'm reporting your company to my State attorney generals office again with a phone call XXXX
Product: Checking or savings account

on XX/XX/2020 paypal placed a limitation on my account. they have froze my account allowing deposits buy not allowing me to access any of my money. now they are saying that my account is froze and i will not be able to remove any of my funds and that i have to wait for 180 days before i will get an email telling me how to transfer my money. and that all my bank and credit cards linked to the account can not be removed from the account. 
Just like they claim that money in pass through account is fdic insured however fdic said on the phone that they are not fdic insured
Product: Debt or credit management

I hired Consumer Legal Group ( CLG ) XXXX of XXXX to consolidate my credit card debt that included fraud on all accounts. I paid CLG a monthly payment of {$350.00} and terminated my contract with them XX/XX/XXXX. 

I did not receive the services they promised as far as disputing accounts with the creditors for legal documents. I had to complete those in person and file them. CLG also claimed they didn't receive summons I emailed them and had to continue emailing them even after I received email confirmations from their office.

CLG destroyed my credit having to have all the accounts go to a collection status before CLG could negotiate. They never assisted me with legal documents for small claims court and was a complete waste of my time and money. I requested for half of the money I paid them and would like the remainder back. 

I would never recommend this company to anyone it's a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is falsely reporting information to the three credit bureaus, XXXX, XXXX, and XXXX. They are reporting payments as late, when they are not. They are reporting this account as closed, when it is not. They are reporting this vehicle as a repossession, when I have custody of the vehicle and am currently making payments on this loan. They incorrectly charged this account off, 18 days after receiving the XXXX payment. They refer to the XXXX payment as a redemption payment, It is not. It was a reimbursement for impound fees that my daughter incurred. This payment needed to be made before XX/XX/XXXX, to avoid repossession status. It was made on XX/XX/XXXX. Wells Fargo is showing, incorrectly, on my account that I paid this payment on XX/XX/XXXX. 

Screen shots of this account has the amount that I paid incorrect, as well as the date. I am just a cosigner to this loan. They are adversely affecting my credit, while they are still receiving payments and this account is current. They have reported the XX/XX/XXXX payment as 30 days late. It is not. They had this account locked out until XX/XX/XXXX or XXXX, XXXX. I made the payment on XX/XX/XXXX. It posted XX/XX/XXXX. This particular payment, just a couple weeks ago showed as being made on time, on my credit report. Now it has been changed to 30 days late, which is incorrect. 

The account in question is listed in the documents that I will provide. I have included documents showing that I paid to have this vehicle towed to my residence on XX/XX/XXXX, as well as screenshots of the account. I currently have complaints or disputes open with XXXX, XXXX, XXXX, and The Ohio Attorney General.
Product: Credit card or prepaid card

I opened a credit card years ago with HSBC. Due to a problem with automatic payment of my credit card in late XX/XX/2019, I realized from an email that I was late on one payment. I promptly contacted HSBC and was asked by a representative to pay {$100.00} in fees. He then told me that would resolve the issue. I paid and didn't get any more emails aboutthis totoday. After that time I didn't use my credit card anymore. I contacted my XXXX  relationship manager around that time ( I have $ XXXX with HSBC ) to have the fees removed but didn't get any answer. I didn't receive any physical mail about this ( unless it was stolen, which happened in my building a lot in the past but is unlikely today ). 

In XX/XX/XXXX I got stuck abroad for 8 weeks and got sick. I checked my account from abroad on the HSBC website and saw that the account was open with new fees. I called HSBC from abroad but couldn't wait for 2 hours to talk to someone. I left a message on the HSBC website asking for a callback that never came. As soon as I flew back to the US I  called HSBC. The call center said that the account was closed long ago and was delinquent. On top of that, my credit score is ruined even though I was never told the account was closed ( to that day I can see it on the website ), and I got no email or communication about this. 

I tried to resolve that issue with my XXXX relationship manager however he deflects and is not helpful. I was told 4 weeks ago that I would be contacted but this has not happened yet. In conclusion, despite being a XXXX client with more than $ XXXX in my savings account ( so ability to pay is certainly not a problem ), HSBC has added fees and taken actions that hurt my financial well-being without informing me and didn't give me the ability to correct ( no email about this after I paid the requested {$100.00} fee, no message on the website, no contact from my XXXX relationship manager about this, no mail ). 

I've attached all the emails I got from HSBC. The past due payment is clearly shown in XX/XX/2019. But after that no further email. I've also attached a picture of my accounts - basically from the website it really looks like the account is still open even today!
Product: Credit reporting or other personal consumer reports

XXXX and Experian are not reporting the correct information on my credit report. I filed a dispute with both of them and have not changed my report to reflect the proper data. My mortgage was sold by " XXXX XXXX ''. The account was reported as " Closed ''. It was not closed. XXXX purchased the mortgage. They noted and recorded the mortgage and XXXX accurately showed that my account was created on XX/XX/2008. XXXX and Experian will not change the data to reflect the proper information.
Product: Debt collection

Keep receiving a bill from Transworld Systems for XXXX XXXX XXXX XXXX XXXX. I have asked for records, not just a bill or collection notice. I have no record of using this company - and I have no idea who they are. Then to send me a bill for {$440.00} after 8 months is bad practice and bad faith. In addition - I have requested these detailed records 4 times!!! I have never received them - just another bill/collection notice
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete my alls hard inquiries in XXXX and XXXX and XXXX
Product: Credit card

I have had a Kohl 's credit card for over 8 years and never had a late payment. On XXXX XXXX, XXXX I signed up for paperless statements. The website clearly states that when you sign up for paperless statements that you will receive an electronic statement via email. I never received any electronic statements or paper statements after this date. I did a search through my email server just to be sure I had n't missed them, and found only a handful of emails from Kohl 's, none of them being statements. Since this is a card that does not consistently have a balance I depend on statements to remind me to pay. On XXXX XXXX, XXXX I received a phone call from Kohl 's advising me that I had a payment due that was 60 days late. I was surprised by this and paid {$75.00} right then. I did n't think anything of it until I pulled my credit score from my credit union and saw that my credit score had gone down from XXXX to XXXX!
Product: Debt collection

I have sent four letters via USPS Certified with Return Receipt to XXXX. None of them have received a reply. The last letter was sent to both customer service and their executives to ensure that indeed the letters were being received. 

The USPS tracking numbers are as follows : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX & XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX Be aware, I am NOT inquiring about validation. I am inquiring about why XXXX claims they replied with validation to my initial BBB complaint when that can not be the case. I had the wrong account number and wrong original creditor listed. XXXX sent validation for a completely different account and Id like to know why this happened as Im sure XXXX  understands replying with the wrong account information is a serious problem.
Product: Student loan

I got a loan from XXXX XXXX about 12 yrs ago to attend XXXX college, XXXX, Tx for {$15000.00} with a " variable '' interest rate that always stayed around 14.5-15 %. I did not have to make payments while in school but they fail to tell you that they 're charging you interest. Because of not being able to make payment from not having a job my loan reached nearly {$25000.00}. Once I did get a job and started making payments they do not tell you that the monthly payment that they set is a " minimum '' payment which was n't even close the covering the interest of the loan much less any principal ( never gon na pay it off if continued paying minimum paymeny ) One I realized that was happening I started paying extra but was not seeing a drop in my principal amount it was all going to interest. Currently I am paying anywhere from $ XXXX/mon and have started seeing my principle go down but instead of that extra money going to principal they just push the due date for my next payment out further and further the more I pay. I currently still owe appx {$18000.00} and an interest rate that has been 9.25 % for several years that has been raised to 9.75 % without my knowledge. Just noticed the interest rate change XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Federal Credit Reporting act XXXX acct # XXXX, XXXX XXXX XXXX Acct XXXX XXXX, and Dept of EducationXXXX acct 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.
Product: Credit reporting or other personal consumer reports

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

Account Information : Creditor 's Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Timeliness : My account shows a XXXX late payment for XX/XX/XXXX, XXXX late payment for XX/XX/XXXX, a XXXX late payment for XX/XX/XXXX, and another XXXX late payment for XX/XX/XXXX, despite my payments being made on time for each of these months. I have attached bank statements and payment confirmations that clearly show no payments were missed or delayed. 
Clerical Errors : There seems to be a pattern of clerical errors in how the payments were reported. The payment history across different months is inconsistent, and the exact dates of supposed late payments do not align with my payment records. 
Incorrect Reporting Across Bureaus : The late payment records differ between XXXX, Experian, and XXXX, which further suggests errors in how these were reported. This inconsistency violates the accuracy standards required by the FCRA. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

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

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

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

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unsure how and why XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX pulled a hard inquiry on my account. I did not give them written consent to review my credit reports
Product: Credit reporting or other personal consumer reports

XXXX/DEPT OF ED XXXX XXXX XXXX XXXX, MO XXXX XXXX Violated the PRIVACY ACT OF 1974 AND THE FAMILY EDUCATION PROTECTION ACT by providing my non public personal information to XXXX XXXX AND EQUIFAX and I'm sure multiple others that I have not tracked down yet. They stated that they would not provide any of my personal transaction history with any non affiliates or third-party companies. All of the credit agencies are non affiliates of XXXX/Dept of education.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) and to highlight specific inaccuracies in how XXXX XXXX has reported my account to the credit bureaus Experian and XXXX. These actions breach FCRA sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which require accurate reporting of information and reasonable investigation of disputes. 

I previously held a secured credit card with XXXX XXXX, backed by a {$1000.00} deposit, to help build my credit. During the COVID-19 pandemic, I XXXX XXXX XXXX XXXX, and the account was closed with a balance owed of {$240.00}. I later reached out to XXXX XXXX and paid the balance I believed I owed. However, I subsequently discovered that XXXX XXXX had already written off the debt and failed to issue me a 1099-C form, which is required under IRS regulations for canceled debt. This means XXXX XXXX benefitted from a tax write-off while also collecting payment from me, an unethical practice. Moreover, the account status was not updated to reflect the payment accurately, as required under FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates that information provided to credit bureaus be accurate and truthful. 

XXXX XXXX has also reported inconsistent and inaccurate information to Experian and XXXX regarding this account. Specifically, the credit limit has been reported as {$0.00}, even though the correct limit was {$1000.00}. Additionally, XXXX reports an incorrect high balance of {$1400.00}, while Experian does not report any high balance. Despite multiple disputes, both credit bureaus continue to report this inaccurate information, indicating XXXX XXXX has failed to fulfill its obligations under FCRA Section 623 ( b ), which requires a reasonable investigation of disputes and the correction of errors. 

These actions have caused significant harm to my financial well-being and creditworthiness. The inaccurate and unfair reporting on my credit profile directly impacts my ability to access financial opportunities and has created unnecessary stress. As a consumer, I have the right under FCRA to dispute any inaccuracies on my credit report and expect them to be corrected.
Product: Mortgage

We have a mortgage with Wells Fargo and we agreed to pay taxes and insurance ourselves. In XX/XX/XXXX we noticed a deduction for an escrow account? We spoke with the bank several times by phone and once in person and they say we had a gap in insurance. 
Not so. Our insurance agent sent the bank a letter with copies of all of our policies shown no gap in coverage. That was on XX/XX/XXXX. So far, more charges and no response to her letter. We are at our wits end. Can you help?
Product: Payday loan

I made multiple payments on this account and was never able to get out from under this payday loan. I have tried multiple times.to contact this provider with no success.
Product: Credit reporting or other personal consumer reports

Once submitting a dispute, Experian immediately, within XXXX hours, sends notification that my disputes were verified. They never produce a method of verification even when I have requested it and they never take a full 30 days to verify a dispute. Experian is currently being sued by the CFPB for sham investigations of credit reporting errors which proves that their process violates consumer rights to dispute incorrect information and have incorrect information removed from the Experian credit report which gives a false picture of consumer creditworthiness.
Product: Credit card or prepaid card

I am seeking the intervention of the CFPB in an attempt to correct critical information adversely impacting my FICO, XXXX  and XXXX XXXX credit reports attributed to negative reporting from Citibank credit card. The matter at hand took place during the billing period of XX/XX/XXXX XX/XX/XXXX. The balance on the Citibank card was {$3800.00} at the start of the billing period. Three recurring payments from my checking account were subsequently credited to the Citi account on XX/XX/XXXX ( {$40.00} ),  XX/XX/XXXX ( {$40.00} ), and XX/XX/XXXX ( {$40.00} ). On XX/XX/XXXX of the same period, a one-time payment of {$3700.00} was made via the Citibank customer service XXXX number, rendering a negative balance of - {$2.00}. Unknowingly, on XX/XX/XXXX the Citi account was charged {$28.00} interest for the billing mentioned above. The - {$2.00} credit from XX/XX/XXXX was  applied to this interest amount, leaving a new balance of {$25.00}. This last transaction would not be discovered until several months later, approximately around XX/XX/XXXX, while checking my annual credit reports. The missed payment had triggered an overwhelming sequence of events namely ; my Citibank credit card of 6 years and $ XXXX limit was canceled by Citi , 60 and 90-day delinquencies were reported to the credit bureaus, and my FICO score plummeted from XXXX to XXXX. On XX/XX/XXXX I sent a Letter of Error notice to Citi Bank Credit Bureau Dispute in efforts to rectify the oversights. This attempt to fix the errors would prove to be futile. Following my dispute, I uncovered additional circumstances that compounded efforts to remedy the situation. Because I elected to go paperless, I should have received my credit card statements via email. However, correspondence with XXXX XXXX XXXX found that all emails from the Citi group were added to the list of blocked emails within the security and privacy setting for my account. Therefore, I did not receive any notice of late or missing payment. Secondly, while making the XX/XX/XXXX payment via the Citibank customer service XXXX number, I selected to hear my current account balance and paid ( over ) that amount firmly believing that this transaction had settled the account. However, Citibank would later inform me that the current account balance information is not reflective of a payoff amount. This revelation was troubling since there is no option to hear a payoff amount on the customer service phone number. Hopefully through this communication Citi will earnestly reconsider the facts and apply common sense to an uncommon situation. I was a loyal customer to Citi for 6 years, typically paid weekly, in advance, over the minimum, and without ever missing a payment. After paying {$3700.00} to settle the account, my evidential history proves that I would not have intentionally paid {$25.00}?! Thanks in advance for your help and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit acceptance is still reporting repossessions past the 7 year statute of limitations.
Product: Student loan

I am a cosigner on my sister 's private student loan with Navient for approximately {$5000.00}. 

Navient reports me as delinquent on payments for this loan to the credit bureaus. However, when I or my sister calls, they sometimes tell us that they see me as a cosigner, sometimes they do not. They tell us sometimes there is a balance and sometimes they tell us there is a XXXX balance and the loan is closed. However, they continue to report me as delinquent, causing a lot of harm to my credit score. 

I have requested to be released as a cosigner from the account ; I received a letter in the mail from them saying my application was not complete. Navient will not explain to me what information is missing from the release cosigner application. They just go back to telling me there is a XXXX balance or they do not see me as a cosigner when I call to ask for help.