23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XXXX XXXX 2024 my account was compromised after I shopped at a XXXX XXXX I'm pretty sure my information was skimmed. I provided all this information to chime/XXXX they prompltey denied my first claim under 24 hours of filing it. Then waited for my second claim to dent right before a mandatory credit was supposed to be added back to my account I went thru numerous times with there support to remedy this they sent. A blank copy of why they denied the claim. They treated me awful.
Product: Student loan

I sent the following message on XX/XX/24 to Mohela- I am reaching out to discuss the income driven repayment recertification deadline extension that was announced by the department of education around one month ago. I noticed on my account I am still scheduled to pay the higher amount of {$550.00} this month and I also paid the higher amount of {$550.00} last month as well. According to the department of education this payment amount should have returned back to my previous IDR amount of {$110.00} and my recertification date extended. I wanted to request that this change be placed on my account for this months payment. Also, I wanted to see what the process is going to be for a refund for the extra payment placed that I paid for the month of XXXX which would have been a {$440.00} overpayment given the change with the department of education policy change. I appreciate your help with my case. 

I received a reply that said I needed to call them but have been unable to get ahold of anyone on the phone and I am concerned this is being done intentionally. I have now been charged an additional {$550.00} for the month of XXXX rather than {$110.00}. I have attached the announcement from the Studentaid.gov website for reference.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1666b - Timing of payments ( 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. 
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 
The account XXXXXXXX XXXX XXXXXXXX has been closed so how is late payments still being reported? That is a violation of my consumer rights. Also if any late payment has been reported the company mustve sent out a letter 21 days before the payment due date, if the company has did that Im requesting them to provide proof of delivered letter 21 days before payment date or the account to be removed from my credit report for violating 15 USC 1666b & 15 U.S.C. 1681 ( A ).
Product: Student loan

XXXX  claims that my federally held student loans were changed to privately held loans and I inquired to see how I was notified about this and there was no response. I am a XXXX XXXX XXXX  and would have not agreed to switching to a privately held loan, as I would be seeking some of the XXXX. Navient has not provided this information and is showing many late payments during the COVID payment pause and stating I was not eligible, as my loans were privately held.

To date, they have not provided information to verify that I when I was informed my loans would be privately held, and if it was when I consolidated my student loans, they failed to disclose my public loans would become privately held by consolidation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It APPEARS XXXX, EQUIFAX, AND XXXX ALL HAS VIOLATED MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT AND THE FAIR & ACCURATE CREDIT TRANSACTIONS ACT. I'VE SENT SEVERAL DISPUTES WITH THE MOST BEING ON THE XXXX WHICH INCLUDED A COPY OF LOCAL POLICE REPORT AND IDENTITY THEFT AFFIDAVIT WHICH INCLUDED SPECIFIC ACCOUNTS THAT WERE FROM THE RESULT OF IDENTITY THEFT XXXX XXXX XXXX, XXXX XXXX XXXX, DEPT OF EDU, XXXX   XXXX & XXXX XXXX. XXXX, XXXX, AND EQUIFAX HAS FAILED TO BLOCK THE FRAUD RELATED ACCOUNTS UPON BEING NOTIFIED WITHIN 4 BUSINESS DAYS FROM A CONSUMER IN ADDITION XXXX, EQUIFAX, AND XXXX HAS FAILED TO PROVIDE ANY NOR ACCURATE VERIFICATION WHATSOEVER AND HAS DELIBERATLEY IGNORED MY REQUEST TO UPDATE AND REMOVE THE FRAUDULENT ADDRESSES AND INQUIRIES THAT ARE STILL DISPLAYING ON MY CREDIT FROM MY CREDIT FILE WHICH CLEARLY VIOLATES SECTIONS 605B, 609, 611, AND 623 OF THE FAIR CREDIT REPORTING ACT NOT TO MENTION XXXX XXXX CONTINUES TO REPORT A FRAUD RELATED ACCOUNT AFTER BEING NOTIFIED FROM A CONSUMER REPORTING AGENCY WHICH NEVER PROVIDED ANY INITIAL 5 DAY COMMUNICATION WHICH IS REQUIRED BY THE FAIR DEBT COLLECTION PRACTICE ACT NOT TO MENTION IT HAS BEEN OVER 60 DAYS FROM MY INITIAL DISPUTE AND YET NEITHER XXXX, EQUIFAX, AND XXXX  HAS BEEN ABLE TO PROVIDE ANY ACCURATE VERIFICATION PERIOD OBLIGATING ME TO THESE FRAUD RELATED ACCOUNTS. I WILL NOT ACCEPT THE TYPICAL RESPONSE OF YOU NEEDING TO CONTACT THE FURNISHER OR YOU NEED MORE SPECIFIC INFORMATION REGARDING THE ACCOUNTS, OR YOU REFUSE TO HONER MY REQUEST BECAUSE IM A WORKING WITH A CREDIT REPAIR COMPANY. THE ONLY REASONABLE SOLUTION WOULD BE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS FROM MY CREDIT FILE SINCE I'VE PROVIDED MORE THAN THE NECCESSARY REQUIRED DOCUMENTS TO SUPPORT MY CLAIM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally lodge a complaint against both XXXX XXXX XXXX and Experian due to their continued dissemination of fraudulent credit reporting. The ongoing inaccurate information they persistently report concerning an account on my credit profile is deeply concerning and demands immediate attention. 


**Account Name : ** XXXX XXXX XXXX **Account Number : ** XXXX **Account Type : ** Auto Loan **Responsibility : ** Individual **Date Opened : ** XX/XX/XXXX **Status : ** Paid, Closed. 
**Status Updated : ** XX/XX/XXXX I must stress that this account has never had a late payment, and been successfully closed and paid in full. 

XXXX XXXX XXXX is notorious for extending predatory loans to countless financially vulnerable individuals seeking to acquire used vehicles. These loans are laden with exorbitant interest rates and burdened with costly add-on products, thrusting borrowers into a cycle of debt. 

Fortunately, through my affiliation with the XXXX XXXX XXXX XXXX, I managed to refinance with the XXXX XXXX XXXX XXXX XXXX, effectively sidestepping XXXX XXXX XXXX exploitative lending practices. 

However, my optimism was short-lived, as it has come to my attention that the creditor deliberately withheld the payoff check for a staggering 60 days. 

Subsequently, they purposefully relayed inaccurate information to the credit reporting agencies, falsely asserting late payment ( s ) of 30 and 60 days. These assertions conveniently correspond with the period immediately preceding the loan payoff.

I have undertaken several concerted efforts to dispute this misinformation.

While Consumer Reporting Agencies hold a pivotal role and bear the responsibility of utmost accuracy in reporting consumer information, the gravity of the matter necessitates a thorough investigation.

I earnestly request an in-depth inquiry, backed by concrete evidence in the form of statements validating any claims of late payments. It is my genuine plea that the account 's status be rectified to accurately reflect " paid in full, '' and any indication of late payments be deleted. These late payment claims are baseless, as I can affirm with absolute certainty that I was NEVER late in my payments.

This issue transcends mere discrepancies and strikes at the heart of my financial integrity. I implore you to understand the gravity of this situation and act swiftly to rectify these damaging inaccuracies. I kindly ask for your prompt attention to this matter and a timely resolution. You hold the power to restore the integrity of my credit report and, in doing so, alleviate the undue distress this situation has caused.

Please treat this matter with the urgency it deserves. I eagerly anticipate your comprehensive response, complete with a detailed plan for investigation and resolution.
Product: Credit reporting or other personal consumer reports

There are 2 incorrect pieces of information on my XXXX Credit Report- 1 ) I financed a car from Hyundai Capital America XXXX XXXX for {$18000.00} and have consistently made multiple payments in XXXX, XXXX, XXXX, and XXXX XXXX. My current due balance stands at {$3400.00} as of filing this complaint. However, the company has not reported any of my payments to any of the credit bureaus and my reports are still showing the same amount due i.e. {$18000.00} as of filing this complaint. This has significantly impacted my credit score and caused me difficulties in obtaining a home loan. 
2 ) There are 2 different inquiries on the name of Hyundai Capital America as of XXXX which seems odd. I have already reached out to XXXX XXXX, the dealership where I purchased the car, however, they have no clue about 2 different inquiries made by one company on the same day. Kindly remove one.
Product: Checking or savings account

I received a letter from the bank closing my account without any explanation. I called the bank and was not able to get an explanation. This reminds me of the redlining the banks were doing in the 60th and 70th. I tried to contact the management staff included XXXX XXXX, which I am contributing to his XXXX XXXX compensation and was stonewall. All I want to know is why, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If there is a mistake of some sort, it can be corrected if I have the information. Please have someone to communicate the requested information. Thanks.
Product: Vehicle loan or lease

I bought a car from XXXX  XXXX a XXXX XXXX XXXX Im being charged payoff {$15000.00} My payments are {$420.00} per month Principal XXXX month interest {$280.00} Im XXXX years old, XXXX   issues and I take XXXX XXXX I was scammed and I need help from this horrible loan. 
I have a XXXX grade education ... widowed.live on social security Can you help me or guide me to fairness..and honesty Is it still out there? XXXX XXXX The company is Santander U.SA Out of XXXX Texas
Product: Prepaid card

Filed for unemployment and after a weird interview where the guy put me on hold to talk to his bookie ( not kidding, literally heard him say " I got your money, man, don't worry '' ), I was approved on XX/XX/XXXX. 

I waited weeks, assuming the card was coming in slowly, but I never received anything. I found out that I can call Money Network and check in on my card so I did that on XXXX. It said that it hadn't been shipped yet. 

The next day, I do the same thing and actually speak to a person on XX/XX/XXXX. The woman I spoke to told me it actually had been shipped so I should not cancel because it was on the way and it would take too long to get the new one ( suspicious person # 2 ). I listened and waited through the weekend. 

Called today ( XX/XX/XXXX ) to check on the card, spoke to a dude who confirmed that it had been activated and {$1000.00} was spent on it on XX/XX/XXXX at a men 's clothing store a few neighborhoods over. I did not activate it or make this purchase. He walks me through reporting the fraud and whatnot but, honestly, doesn't sound very surprised so this is clearly very common. 

I'm a little freaked out, not just about getting the money back but about how much information this person has on me. I'm not sure if it was the mailman, a money network employee, or an EDD employee. Not only am I unemployed but now I'm scared of identity theft. 

I reported it to both Money Network and the EDD. I'm supposed to get the new card within 1 to 3 business days via XXXX and I'll see how much information is needed to activate it but in the meantime, I'm anxious. The problem also seems widespread because a lot comes up when you search for " stolen unemployment Money Network. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 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: Student loan

I have been having health issues and while I, XXXX XXXX, was in the hospital XXXX bank charged-off my loan to a XXXX-party debt collector. SRA in Hi-XXXX, NJ on XXXX/XXXX/2015. On XXXX/XXXX/2015 my Co-Signer received a call regarding the loan and was offered a XXXX settlement. I then called back to get information about the loan and physical address of the agency when the Manager XXXX XXXX, kept talking in circles telling me I was only allowed to have the physical address if I was disputing the Debt. At this point I had not even received a validation of debt letter and asked for said letter as well as a breakdown of my balance, I was interrupted multiple times as well as I was told I MUST make a payment within the month of XXXX, which does n't even give me a full 30 days to receive the information to even dispute of part of the balance since I did n't know how a XXXX loan that I was previously paying before I got sick, became {$26000.00}. The agent I spoke to previously to manager could n't tell me what the interst rate was either, stating that it was " about {$3.00} '' per day. The agent, XXXX XXXX, was n't able to offer me a payment plan option either. When i spoke to the manager I was only offered the balance over 6 months ( about XXXX ) each month or a settlement of XXXX. Refusing to be upright and honest about what my options even were and leaving me more confused than when the conversation started. I also asked that they did not call the cell phones on the account but he refused to even tell me the cell contact numbers he had, instead i stated the only good contact number for me and the co-signer was the landline XXXX. I was under the impression i was going to be dealing with the creditor XXXX about this who i was trying to work with for payments and now i feel even more hopeless because this collection agency wo n't be upfront with me.
Product: Debt collection

My ex spouse fraudulently used my information to open an account with Sychrony Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card was opened by XXXX XXXX XXXX XXXX in XX/XX/XXXX. Fraudulent activity took place on the card for approximately {$130.00} in XX/XX/XXXX. Charges were disputed with XXXX XXXX XXXX XXXX and was assured that late payments / delinquencies etc would n't be reported on the credit history because of fraud on the account. 

Credit card charges in the form of late payment / delinquent account still continue to appear on the credit report even after more than 120 days. 

Investigations of the disputed account by all 3 credit bureaus namely XXXX, XXXX and Equifax suggest that the reporting is accurate and have n't corrected the situation. 

Since, the dispute with the credit bureaus have n't yielded much success the FICO score has dropped significantly resulting in denial of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already had an open complaint about Experian 's ongoing refusal to update my name on my credit report. That seems to now have been fixed, finally. However, immediately after that, I receive a notification saying I " no longer have a FICO score '' ( my FICO score was previously in the XXXX after years of working to get it there ), ostensibly because I don't have enough open accounts or enough credit history, because apparently Experian did not accurately append my existing report to the new name. Given the difficulty I already had with Experian on even changing my name, I am going *directly* to the CFPB with a complain this time, without first reaching out to Experian, because I want oversight over this entire process.
Product: Credit reporting or other personal consumer reports

I am writing to complain to CIC CREDIT about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX, and my social security number is XXXX. The FTC report number related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including it again. 

Experian : XXXX XXXX XXXX  XXXX Balance : {$0.00} NO XXXX XXXX XXXX Balance : {$220.00} XXXX : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the correction and or deletion of these items failure to do so I will file litigation against your company for furnishing a false account on my report. This is exactly why these companies are being sued lack of protection to the consumer credit profile. 

Account XXXX XXXX XXXX XXXX different account numbers Account # : XXXX XXXX XXXX XXXX different amounts the inaccuracies go on XXXX {$140.00} Showing on the report twice damaging my profile XXXX instead of XXXX along with a lot of other reporting inconsistencies clearly a violation. 

Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded15 U.S.C. 1681-1681x As well as 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

Under 15 USC Code 1681a ( 3 ) this medical collection is in violation and can't be on my credit report. By time you read this the new law will be active anything under XXXX $ will not reported I am so tired of my consumer rights being violated please see attached proof
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received an email alert from XXXX XXXX stating I met the XXXX payment for XXXX XXXX and that no further payments were required. I contacted XXXX requesting a timeliness for this matter to report and they indicated I would be getting a payoff letter once my account was updated by US Dept of Education. On XX/XX/2022 the attached payoff letter was attached to my file. I have submitted this document to XXXX and XXXX and they have failed to report my balance owed as {$0.00}. The statement from XXXX and XXXX show {$0.00} payment due but have an outstanding balance of $ XXXX. I have contacted XXXX they show my account is closed with them and balance {$0.00}.
Product: Credit reporting or other personal consumer reports

XXXX is breaking the consumer law pertaining to : XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX. ) XXXX Account XXXX XXXX XXXX. ) XXXX XXXX Account XXXX XXXXXXXX I've uploaded documents I need this corrected immediately. This is a violation of my consumer rights. I've lost XXXX XXXX XXXX  and mentally stress out.

If this isn't resolved. I will have no choice but to move forward with litigation. 
XXXX XXXX XXXX
Product: Checking or savings account

My account has been frozen for XXXX  days without cause. USAA cites risk to the bank and its members knowing full well that theres no such risk. USAA is intentionally imposing an extended timeline of account freeze out of spite for my public concerns. This hardship has caused irreparable damage to my credit score and USAA continues to ignore my rights per the EFTA and EFAA.