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

My account with XXXX XXXX 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: Credit card or prepaid card

The company is receiving my checks and does not post them right away. I have received several late fees. I have proof of mailing from my bank yet Capital One does not apply the payments right away. 

Also, the minimum due does not make sense. One Customer service representative incorrectly explained interest accrual.
Product: Debt collection

I am writing to dispute a collection attempt related to the debt referenced under [ Account Number ]. As per the Illinois court case XXXX, the court has issued a dismissal without prejudice of both the money claim and the possession claim related to this debt. Furthermore, as noted in the attached copy of the court order, the money issue has been non-suited. 

Given that the court has dismissed the claims without prejudice and the money issue has been non-suited, I believe this collection attempt is invalid. I respectfully request that you investigate this matter and take appropriate action to ensure that this collection activity ceases and that my credit report is updated accordingly. 

Attached are the relevant court documents supporting this claim. 

Thank you for your attention to this matter.
Product: Debt collection

I attempted to access my account multiple time this week. However, I was not able to do so, as the system displayed an error message. 

In addition, I placed numerous phone calls this week to obtain the following objectives : 1. ) Letter Receipt Verification of Check Received- Verify whether the company received my letter and enclosed check for the balance on my account ( e.g., {$760.00} ).

a. Not only were the call reps not able to verify that they received my letter ( they indicated that they did not have record of my letter and check as ever being received ), but, in addition, they refused to address my additional questions regarding my request to remove this debt from my credit reports.

2. ) Letter Receipt Verification of Request to Waive Balance 3. ) Request to Remove this debt from my credit reports The company refused to make my account available. In addition, they refused to discuss this account with me and my requests.

Their action resulted in a continued detriment to my credit rating ; and an inability to receive enhanced credit terms and refinance various efforts. Their actions to delay removal of this debt continue to wreak financial cost on me and my family. Per XXXX and other credit resources, my credit scores are hindered by at least XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX XXXX XX/XX/2022 Consumer Financial Protection Bureau po box 27170 Washington , DC 20038 To Whom It May Concern : I am writing in regards to my vehicle loan which was purchased by Santander Consumer USA from the original lender, Gateway One XXXX. The communication prior to the sale of the loan from both, Santander Consumer USA and Gateway One XXXX was deficient. In fact, it was non-existent. The only way I knew that the sale had occurred was via a monthly statement I received from Santander Consumer USA, which I originally thought to be fraudulent. 

I called Santander Consumer USA to inquire about the statement and was told that Gateway One XXXX was no longer in business. A representative from Santander Consumer USA helped me set up my account. I was told that the terms & conditions of the loan had not changed, it was still a simple interest loan contract. However, this proved to be a false statement. The previous lender allowed me to make via Automatic Bill Payment, {$700.00} monthly payments. The extra {$16.00} was always applied as a principal-only payment. 

The representative also stated that they were not allowed to withdraw more than the exact amount due each month ( {$680.00} ) if I used the Automatic Bill Payment method. They did say that I could send in a separate check that would be applied to the principal. However, this also proved to be a false statement. I mailed in XXXX checks : # XXXX in the amount of {$50.00} and ; # XXXX in the amount of {$50.00} These checks were to be applied as a principal-only payment yet, both were applied to interest and principal ( see attached statements ). 

In closing, I would like the simple interest loan to be exactly as the original loan agreement I signed at the dealership. I would like any and all over-payments of {$16.00} applied to the principal from the date that Santander Consumer USA assumed the loan. This will be retro-active with interest compounded at the current APR of 6.99 %. Additionally, I would like the original documentation Santander Consumer USA received from Gateway One XXXXl showing the loan amount they sold. Furthermore, I would like the corresponding information from Santander Consumer USA showing the identical loan amount was passed on to the consumer with statements showing the application of funds. Thank you in advance for any help you might be able to offer. 

Respectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXXXXXX XXXX TransUnion, XXXXXXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report Dear CFPB, Since my last dispute on XX/XX/year>, regarding the disputed account listed in my credit report, nothing has changed. I am writing again to request a detailed description of the investigation process followed by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Upon reviewing my credit report, I noticed inaccuracies in the reporting of late payments for the account. Specifically : A late payment was reported for XX/XX/year> by XXXX. 
Late payments were reported for XX/XX/year> by TransUnion and XXXX. 
These reports are inconsistent with my payment records, which show that all payments were made on time. 
Summary of Discrepancies Inaccurate reporting of late payments in XX/XX/year> and XX/XX/year>. 
Discrepancies in payment status across the credit bureaus. 
Lack of evidence provided to substantiate the reported late payments. 
Request for Investigation and Proof I am requesting a thorough investigation into these discrepancies and immediate correction of any inaccuracies. If the payments can not be updated as on-time, I request : A description of the investigation procedure followed, per 15 USC 1681i ( 7 ).

Proof supporting the claim of late payments, including specific dates, amounts, and communication.

Documentation of reasonable procedures adopted to ensure accurate reporting, as required by 15 USC 1666 ( b ).

Legal Obligations Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports should not contain inaccurate information related to transactions between the consumer and the creditor. Failure to correct this inaccurate reporting constitutes a violation of the Fair Credit Reporting Act.

If, after a thorough investigation, no verifiable proof of late payments can be provided, I demand that the account be promptly updated to reflect its accurate status as " Paid As Agreed Never Late. '' Please provide a written response within 30 days as required under the FCRA. Failure to do so will be considered a violation of the law. 
Thank you for your attention to this matter. I look forward to your prompt response to resolve this issue and maintain the accuracy and fairness of my credit report. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I am a victim of unfair business practices and negligence. SCA Collections is acting against my rights. they are also re-aging the following accounts : SCA Collections INC # XXXX, opened date reported : XX/XX/XXXX, high balance {$100.00}. Status : closed. 
2. SCA Collections INC # XXXX, opened date reported : XX/XX/XXXX, high balance {$100.00}. Status : closed. 

My demand is that they stop collection activities and send a notice to the 3 major credit bureaus for these 2 items to get removed from my report. this situation is making me pay high interest rates and stopping me from getting credit opportunities. 

Please send the attached documentation to the company. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudelent account on XXXX XXXX with XXXX XXXX XXXX appeared on my credit report and on XXXX went delinquent after I had already reported it fraudelent back in XX/XX/2023 Transunion took my score down XXXX points and has not returned my points after XXXX XXXX  was found to be fraudelent and removed. I would like my score returned to what it was before this fraudelent account.
Product: Credit reporting

I tried to see my free credit report and I could not see it because you asked me questions about my wifes credit reports and theres no way I can answer her questions because we have not been married long and it stuff from her first marriage and she wont give me the answers, Why are you asking me questions about her on my report and not asking me questions about me?
Product: Vehicle loan or lease

In late XX/XX/2021, I was notified that I had a delinquency on my credit, and my credit score dropped XXXX points. After reviewing my lines of credit, I saw that there was a Hyundai line of credit showing the delinquency. The balance of the line of credit was {$12000.00} I contacted Hyundai Motor Finance to discover that there was a Lease on in my name. I was trying to inform them that this was a fraudulent account, and that I knew the person that signed this lease fraudulently, but was receiving no help from them. I was getting cycled around through their phone lines when finally I got redirected to the Finance Department for a third time. This time though, I requested a copy of the Motor Vehicle Lease Agreement so that I could see the signatures on the paperwork. After a couple of days I received it. After reviewing the paperwork, I discovered that the signature on it was in fact forged. The vehicle was leased in Arizona. I currently reside in Washington state and have not been to or visited Arizona. I called the person that forged my signature, who currently resides in Arizona, and she eventually admitted to commiting the forgery/identify theft to me over the phone. I continued to try and contact Hyundai, after now knowing for a fact what happened. But I was harassed by them. They did not listen to my concerns, and was insinuating that I was experiencing " buyers remorse. '' I continued to adamantly state that I did not sign or consent to this sale. I have been trying to work with the Hyundai Motor Finance Director, trying to get information on their investigation, while also providing them copies of the police report I filed. Also trying to figure out how they can proceed with repossessing the vehicle from the perpetrator since she is still in possession of it, but now they are ignoring my attempts to contact them.
Product: Debt collection

Easy Money made an arrangement with me for repaying loan. I made 2 payment one for XXXX dollars and the other was XXXX dollars. I received a threating letter saying because I was XXXX dollars short on my payment my account will be sent to a third party that will sue me for everything I got. Also the debt was XXXX now its XXXX and Easy money said if I made a payment every Friday on payday I would be ok. Today I called and they begin threatening me and I said I was preparing to make a payment Friday. They said I promised to pay the entire amount by Friday which is a lie. Please help resolve problem my goal was to continue making payments until debt is cleared.
XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I discovered that incorrect accounts had appeared on my credit report, and I have no idea how they got there. I regularly check my report, but this time, I noticed unexpected discrepancies. I even tried refreshing my browser, thinking it might be a temporary glitch, but the errors remained. Given this situation, I am requesting a thorough review of the documents I have provided so that I wont have to deal with this issue again.
Product: Credit reporting

When requesting the government mandated annual free credit report via Transunion 's toll-free number XXXX, 4 attempts are made to sell services to unsuspecting callers. First attempt is to sell you a credit score ( 1 for yes, 2 for decline ), then they follow up to ask if you 're sure ( 1 for yes, 2 for decline ), and then two attempts to sell credit monitoring servicing. As someone who works in finance, this is fine, but for many consumers this can be very confusing and lead to payment of unwanted services.
Product: Debt collection

On XXXX Day of XXXX, XXXX we took out a loan with XXXX XXXX XXXX for the installation of a pool at our property at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX. The loan was sold to Key Bank on XX/XX/XXXX. We made monthly payments to Key Bank. As a result of the financial crisis in XXXX, we did a HAMP agreement in XXXX for our first mortgage with XXXX XXXX XXXX XXXX. We spoke with Key Bank subsequently and was informed that due to the HAMP program and our hardship they will release us from this loan. On XX/XX/XXXX a Release of Mortgage for this loan was sent to us by Key Bank. On XX/XX/XXXX we received a letter from XXXX XXXX XXXX informing us that we owe {$63000.00} for this loan. We sent XXXX XXXX a copy of the Release of Mortgage and they said that a Rescission of Release was recorded on XX/XX/XXXX by Key Bank and that the Mortgage Release was an error. We were never informed of this Rescission and no attempt was made to collect any monies from us for many years. We do not believe that we should be paying this amount. We believe that this is a dishonest attempt to collect monies from us after such a long period of time a Rescission was done. XXXX is presently on furloughed indefinitely. We are very disturbed about this new and sudden development during this difficult COVID-19 time. We are appealing to your office to resolve this matter for us as we believe that this is an illegal practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report, I found that there were several fraud accounts and addresses listed on it. I will list the account and the amounts also the addresses. 

XXXX XXXX Santander Consumer USA Opened XX/XX/XXXX and amount {$18000.00} Addresses : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX GA
Product: Credit card or prepaid card

I have had my Capital One credit card almost three years. Never had a problem and I never paid my account late at all. 

They have restricted my account access because of fraud they say. Capital one says I have too many authorize users and they want me to get every single one of their driver license and social security card and send it to them before they will let me have access to my account. 

There is nothing wrong against adding friends or family to your credit card as authorize users. 

Capital one said I have too many on there and now they have restricted my access because of this! NO WHERE on their site does it mention if you add X amount of users we will lock your card down and make you bother every single one of them for their personal information to send to us! 

I then told them I did n't realize I had that many users on there who NONE have a card and would like to remove some. They would NOT let me remove them! 

The sad part is I AM advertising FOR CAPITAL ONE and telling friends they should apply for a credit card with them! And this is the thanks I get! A LOCKED account!
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 violating 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: Debt collection

On XX/XX/XXXX I received a notice in the mail from Online Information Services , Inc. for debt collection of {$700.00}, allegedly originally owed to XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ), an energy company apparently servicing various areas in Texas. The original alleged amount owed was " as of XX/XX/XXXX ''. 

I am not now nor have I ever been a resident or conducted any business in the state of Texas, nor have I ever engaged with XXXX XXXX XXXX XXXX XXXX or any other related company for such services or otherwise. This is the first I've ever seen/heard of this company/group. 

On XX/XX/XXXX I raised this issue with XXXX and they have informed me they've raised a ticket with their back office. They requested that I formally report this as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone try to open many the credit card under my name. 
And balance past due XXXXXXXX XXXX is more than 30 day on XXXX, XXXX effect to my credit score go from XXXX score down XXXX. 
Multiple credit card inquiry happened since XX/XX/XXXX till now including XXXX XXXX XXXX XXXX XXXX 
Most of the inquiry is credit card inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Fair Credit Reporting Act, Section 609 Dear Credit Reporting Agency ( XXXX, TransUnion, or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXX. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
If you are unable to verify the account with the original contract like I requested before, the information should be removed from my credit report within 15. 

I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. gravens ( mo ) 281 sw 715,719, I presume that no proof of the alleged debt, nor there any such debt in fact therefore exists. 


I was reviewing my credit report and seen some inaccuracies on my file. XXXX deleted XXXX XXXX XXXX XXXX./ XXXX XXXX XXXX XXXX due to not being able to accurately verify it so how did you? Obviosly, you did not properly conduct an investigation on this account. DELETE THIS ACCOUNT IMMEDIATELY!!! 


I have a right to bring a lawsuit! 

I need this deleted ASAP!
Product: Credit reporting or other personal consumer reports

Please see attached. 

Experian is in violation of my consumer rights by an unauthorized reporting of a late payment to my consumer report. I have attached a supporting document citing FCRA law USC 1681b- Permissible purpose of consumer reports. I have reached out several times to Experian to resolve this and they refuse to adhere to my consumer rights. I would like for Experian to honor and demonstrate their commitment to the law by granting my request and removing the late payment from my consumer report. I work very hard to improve and maintain my overall credit history and demonstrate my consistency of being a credit worthy borrower. I do not appreciate that history being jeopardized and having my consumer rights violated.
Product: Checking or savings account

I transferred money from my personal debit card to Robin Hood and robinhood proceeds to restrict my account. Asked me to provide documents proving my identity and bank statements, which I fully provided. They have not answered and cant be reached. Everyday the deadline keeps getting extended. Their online system doesnt handle any live chat or phone support. Ive been waiting for 5 days for a callback and no one ever is returning my requested callback. Ive researched online and it seems on XXXX forums its posted detailing about the same examples that happened to me. XXXX just shocked that a company can operate without any live support. Ive been a customer for over 4 years. 

My pictures will show you that Ive been waiting for a callback for many days.
Product: Checking or savings account

Someone has my social security number and my email and tried to open a bank account in my name
Product: Money transfer, virtual currency, or money service

try to transfer money XXXX  account