23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am XXXX XXXX XXXX and I am sending a complaint by myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. This company has illegally re-aged this account. Please investigate this matter because under FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc . ) due to inadequate customer service unfair practices, which violates the Consumer Financial Protection ( 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: Student loan

I have had student loans with XXXX  XXXX XXXX somehow attached with Navient. Years back ( approx 15 years ) I went into default during a period of time that I lost my job and there was a mix up within the auto pay and application of deferred payments. At this time I was placed into default of my loan. Since that time until today I have been 100 % up to date with my loans but have tried with the company to have me removed, because of the negative impact to my credit score, from default. I have been up to date and current for well over a decade and they said it is completely out of their hands to remove me from default until 100 % of the loan is paid in full. On top of that last year ( XX/XX/2018) an additional approx {$5000.00} charge/loan was added to my defaulted loans that had nothing to do with interest charges and all attempts to find out where this came from have lead to receiving zero answers from the XXXX XXXX XXXX. I feel like I am being withheld information or given wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the ALLIED ACCT listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( ALLIED ACCT XXXX )
Product: Student loan

On XX/XX/XXXX our daughter XXXX XXXX and left 3 student loans we had co signed for her to attend college. Shortly after her XXXX we started receiving multiple phone calls from American Education Services demanding payments. When we advised them of our daughter XXXX XXXX the phone calls did finally stop and we heard nothing for awhile until we received a request for a copy of the XXXX certificate in late XX/XX/XXXX to see if the loans would be discharged according to AES. In late XX/XX/XXXX we provided a copy of the XXXX certificate and wrote a formal letter requesting discharge of the loans. As of this writing all we have received is a copy of the promissory notes and not a formal written explanation as to why these loans can not be discharged since she XXXX XXXX. As a Military Vet who served this country honorably for 24 years its horrible to be treated so unfairly and without a genuine explanation. We are stilll trying to get over the tragic XXXX of our daughter and to have this held over is nothing but more stress and anguish.. Further information is below :.. 

XX/XX/XXXX AES notified all 3 credit reporting agencies the 3 AES loans were closed. 
XX/XX/XXXX AES notified us the loans were in forbearance for the next 60 days XX/XX/XXXX AES notified a 3 credit reporting agencies the loans were 60 days overdue and reopened the loans in a separate filing with all 3 credit reporting agencies cutting my credit score over 90 points. As of XX/XX/XXXX my understanding from AES was the loans were never discharged but their poor credit reporting led us to believe no payments were due.until we received a letter on XX/XX/XXXX stating the payments would resume in XX/XX/XXXX. AES needs to communicate clearly on what were suppose to do and not damage a credit report because they can on a dialy basis.....
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account XXXX XXXX has violated my rights XXXX XXXX XXXX Account # XXXX has violated my rights XXXX  Account # XXXX, and Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX Account # 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, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX  account # listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason 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, credit repair services, or other personal consumer reports

XXXX XXXX has been a horrible company to me for many years now and this time it has gotten worse. I had requested for a payment relief from XXXX financial and they advised to either send the documents via mail or electronically. So me and my father ( the co-signer ) decided to do it electronically and uploaded. I thought everything was fine but on XX/XX/XXXX I received a messaged saying it has not been received. I sent again soon after and A few days later XXXX reached out to me and said that the electronic signing is not acceptable. My father and I signed it again with a pen this time and sent it back to them. I never heard back from them so I assumed everything was fine. After a week or so I decided to call them and thats when they told me that I missed the deadline and the debt relief extension was not accepted so I have to send another one. So I did the process again and sent another document. A few weeks later I saw my credit score dropped XXXX points and when I looked at it it was because of a missing payments from XXXX XXXX. I was shocked because Ive never missed a payment before. Since I got this car Ive never missed a payment. I never even missed a payment on anything. When I contacted XXXX about it they told me they cant change anything and their reporting is accurate. I had called prior to that and the agent said they would send the document and never did. They send a message on XX/XX/XXXX asking about the documents but I had already sent it before way before the due date on XX/XX/XXXX which was the main reason for the extension request. Also the document clearly stated to send by XX/XX/XXXX the latest for some reason the system didnt upload it. Why would I risk missing the deadline when Im asking for a debt relief, its obvious I needed help. XXXX financial website didnt upload the first document I sent and this isnt the first the companys website malfunctioned. I have screenshots of failed payment that didnt go through because the website and app malfunctioned. I need this resolved because XXXX has been the worst company I ever dealt with and Id hate to have to take legal action because this isnt the first and only issue I have with XXXX XXXX. To give you a example imma include my horrible experiences with them. This is an on going issue I have with them and I think they purposely doing things to me. I bought my car in XXXX after graduating college at a XXXX dealership. They had new college graduate deal and they insisted buyer must have a co-signer so my father was my co-signer. The XXXX dealership purposely left my name out of the car registration and tittle so basically Im not the owner unfortunately. For years Ive been fighting to get my name on the title and they never resolved the issue. This is one of the many horrible stories I have with XXXX. Now theyre trying to ruin my credit score. Sorry this long but Thank you so much for helping me deal with this horrible corporation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX Balance : {$210.00}
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft to report separate 1 fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a CREDITCARDS opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

We had an account with XXXX and we purchased ten phones for our business then their employee XXXX came to our place of business " to help us with our new phones '' which she ended up stealing. ( see police report ) XXXX later admitted to us that their employee XXXX stole about sixty phones from them and that she had a XXXX  for her XXXX. XXXX knew their employee had a previous XXXX  yet they had her work with the public and steal our phones. 
Now they are trying for me to pay for them ( see police report ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has knowingly furnished my inaccurate personal information, WITHOUT obtaining my wet ink written instruction to do so. This is in violation of 15 USC 1681B ( a ) ( 2 ) ; a consumer reporting agency may furnish a consumer report under the following circumstances and not other ; in accordance with the written instructions of the consumer to whom it relates.
Product: Debt collection

On XX/XX/2022 XXXXXXXX XXXX filed a civil case against me at the XXXX XXXX XXXX house for false damages and false back rent owed to them. We went to court, and it was reset for XX/XX/2022. Prior to going to court the plaintiffs lawyer, XXXX XXXX of XXXX TN contacted me via email stating they wanted to dismiss all money owed and dismiss the court case. I agreed and he went to the court house and the documents were signed. I have proof of the documents that they chose to cancel the court proceedings. In the court documents it states releasing the defendants from any monetary damages and whereby any cost taxed to the plaintiff. Since then, I havent received any mail, or emails pertaining to a debt collection of money owed to them, but even though the judge came to a judgement of no debt owed and both parties agreed, XXXX XXXX in XXXX TN which is owned by XXXX XXXX and their affiliate company XXXX XXXX XXXX, has turned the false debt over to a collections agency, Rent Recovery Solutions in XXXX Georgia, and it has been put on my credit, dropping it roughly 50 points, I have contacted them numerous times and they continue to act like animals and treat people like animals who try to dispute the issues. These are false charges and I would like to get this corrected.
Product: Debt collection

I keep getting phone calls on my landline. I tried calling them back and it is for someone else Someone I have not ever heard of. I told them that this is the wrong phone number and I do not know anyone of who they are trying to reach. Being told I will be taken off of their list, they still call. It is usually a robocall ( machine ) telling me to contact them. Well needless to say this happens a lot and I am getting sick of it. If I was put on the list so they do not call, why do they continue. I am not one to complain. But this is enough. I have had enough of turning around and going through the same scenerio. At least 5 times already have I spoken to someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dated on XX/XX/XXXX CFPB Complaint ID XXXX Equifax Information Services LLC stated Trade : XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : AND NOW ON THIS XXXX DAY OF XX/XX/XXXX, THIS IS FOR THE RECORD, THIS NOTICE IS NOT A DISPUTE, I, XXXX XXXX, Consumer, am demanding proof of documentary evidence of Equifax Information Services LLC have complied with FAIR CREDIT REPORTING ACT 15 USC 1681e ( b ) and demanding deletion of the following account XXXX XXXX XXXX XXXX account number XXXX If Equifax Information XXXX XXXX willfully and knowingly fail to comply with the FAIR CREDIT REPORTING ACT 1681e ( b ) shall be fined with PREJUDICE! 

Equifax Information XXXX XXXX has a outstanding reputation for violating FAIR CREDIT REPORTING ACT 1681e ( b ) SEE XXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to both companies about this error. Both companies is pointing the finger at the other. At this point I don't care who's not doing their job, I just need my credit file with Equifax to be update correctly to report that I have a mortgage with XXXX XXXX XXXX XXXX. 

Furthermore ; as a result of the missing information from my credit report, my credit score has been impacted negatively and I have been denied for a loan.
Product: Credit card or prepaid card

On XX/XX/2022, I attempted to take advantage of a 25 percent discount offer from Macy 's if I got a Macy 's credit card - I found a great deal on a couple of outdoor chairs I wanted to buy. I filled out the application form, only to receive a response telling me that Macy 's ( or their credit card, an Amex card licensed to Citi Cards ) had more questions to ask me ( never mind that my XXXX score from XXXX is XXXX and XXXX from XXXX - and within a minutes I got an email saying someone had checked my credit with XXXX ). The response from Macy 's provided an XXXX number to call, but a robot calling system demanded to know my credit card number, and there was no way to get through to a human being. To make a long story short, after two hours and many phone calls, I ended up speaking with someone in Macy 's credit department. She was able to find my application but informed me once more that they had more questions, then told me I would have to wait to receive a letter within seven to ten business days with the questions, then proceed from there. But what about my discount? I asked. Oh, yes, you can still get it, she said - buy the chairs now and when you are approved, we'll take the 25 percent off. Even though the sale on these chairs ends tonight? I wanted to know. Oh, no, said she. Besides, she added, that offer doesn't apply to everything we sell. At that point I told her it would be a cold day in XXXX before I shop Macy 's again and ended the phone call. I took a screenshot of the purchase I had wanted to make and will be happy to give it to the CFPB if there is a way to upload it. This strikes me as either a bait-and-switch or, at the very least, a terribly misleading come-on.
Product: Credit card

Went to XXXXXXXX XXXX XXXX XXXX XXXX bought {$10.00} gas from pump using a PNC prepay card. Was charged {$50.00}. Called customer service XXXX XXXX XXXX. Pnc address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. CSR asked me to verify a couple transactions. She said that when you pay at pump the company will put a hold on entire available balance. I asked why she said because people dont pay all the time for gas using the card. I asked when I will get my {$40.00} back she said by 7 days or whenever it gets corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$890.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have one late payment on an account that I was in fact paid in time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date : XX/XX/2024. I'm now requesting you investigate this account and update the payment to be paid on time immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you for your understanding and prompt action.
Product: Credit card

On XXXX/XXXX/2015 when I scheduled a online flight with Southwest Airlines I was made any offer by Chase and Southwest Airlines for a combined Chase/Southwest credit card if I completed their application on line, which I did and was I approved. The terms and features of that Chase/Southwest offer were as follows:1. A " {$200.00} Southwest XXXX Card Credit. " 2. A " XXXX Bonus Points after you spend {$2000.00} in the first 3 months of opening your account. " 3. A " XXXX Bonus Points after your Cardmember Anniversary. " I did everything according to these terms, but now both Chase and Southwest will not given me the features that were promised me at the point of sale.
Product: Checking or savings account

I received a Checking account statement in the mail from TD Bank. Someone fraudulently opened an account in my name on XX/XX/23. No transactions have been made in the account.
Product: Credit card

Charged interest after promotional APR ended. I paid in full before due date. Still hit with interest charges of {$64.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested multiple times to update current address and this has not happened. 
XX/XX/22 & XX/XX/22 Equifax is still not updating. The other 2 bureau have the correct address on file. Equifax also has the incorrect date of birth and Incorrect prior name on file. 
This is now affecting me to get a loan. Please help
Product: Student loan

I called when having trouble paying my loan and was informed that my payments would be {$60.00} ; however, after consolidation my payments were double that.plus some. I tried again to get my payment reduced and the representative told me another figure which still was not {$60.00}. The interest rate I have been charged during my forbearance is astronomical.
Product: Mortgage

Claim to have no payments in 2020 I receive statements from two different companies. 
Escrow depleted without proper billing Increased insurance amount without authorization. 
There is another person on my loan docs but not the loan and it's not authorized Privacy breach Excessive billing tactics during automatic stay. 
Billing statements don't match what was mailed between both companies Billing doesn't match credit filling Company filed negatively during diferment which kept me from getting a lower interest rate. 
This company violates all kinds of federal laws
Product: Credit reporting or other personal consumer reports

This is my second attempt to ask for help this company was asked to complete a dispute on numerous occasions. I sent in proof of no investigation because this company did not update my report so how could they in fact verify any information on my credit report please hold this company accountable.XXXX account number-XXXX last reported date was XX/XX/2023 so this company in fact did not follow rules under FCRA requires that industry to report your consumer credit information in a fair, timely, and accurate manner.
Product: Mortgage

RIGHT PATH IS ATTEMPTING TO FORECLOSE ON MY HOME WITH A FRAUDULENT ASSIGNMENT. THE DOCUMENT IS ROBO SIGNED, THE HAVE ALSO VOLATILIZED FEDERAL LAW BY CARRYING OUT FORECLOSURE WHILE LOAN A MODIFICATION AND MORTGAGE ASSISTANCE WERE BEING NEGOTIATE. XX/XX/2023 THE SENT A NOTICED THAT MY ASSISTANCE REQUEST WAS DENIED. MEANWHILE THE FORECLOSURE WAS STILL IN PROGRESS. THIS IS DUAL TRACKING AND THAT IS AGAINST FEDERAL LAW. NATION STAR DOSE NOT HAVE LEGAL STANDINGS TO FORECLOSURE ON MY PROPERTY. THE TRANSFERS OF TITLE ARE FRAUDULENT AND FRAUD CANT BE THE BASICS OF OBTAIN A DEED. I ALSO SENT 2 QWR AND NEITHER OF THE MY REQUEST WERE RESPOND TO. THEY REFUSE ALSO THE SEND THE CURRENT MORTGAGE STATEMENT AFTER MY HUD REP REQUESTED THEY ALSO ACCEPTED 2 PAYMENTS FROM WHILE STILL PROCESSING A FORECLOSURE FOR XX/XX/XXXX XXXX