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

It shows there are 2 late payments in my XXXX XXXX XXXX account XXXX, in XX/XX/XXXX and XX/XX/XXXX. The reason for these 2 late payments are I rarely use this card, it at the beginning didn't charge annual fee, but suddenly start to charge annual fee on XXXX XXXX without notifying me. No email notification, no text notification. Even 1 month later they didn't notify me of the late payment. 2 month later, I see the amount myself, and call to the company to argue why they are posting this and even charge me late fee, they should refund me. They refuse to refund me, and can not provide any prove that they notify me in any way. I am so angry, I have to pain in full and close the account. But this late payment record stay in my credit report for 7 years. I call Experian to dispute this one, they said the company just said it is 2 late payments indeed. It is unfair, now it even don't know how much money in the late payments, a few dollars becomes 2 late payments, penalize me for 7 years. The company can really do whatever they want.
Product: Credit card

I received a call and message stating XXXX was trying to verify an application that I did not start. I called this number after listening to the message ( XXXX ) XXXX the person stated incorrect address, incorrect phone number the person used. Requested my email address that I refused to give him but the email he said ended in 4 letters that was not mine. I am concerned now, be they had my correct phone number to call me, but stated a deferent on the application.
Product: Debt collection

On XX/XX/2021, I was completely enrolled with University XXXX XXXX XXXX XXXX  for online classes studying cyber security. My enrollment coach was XXXX XXXX XXXX XXXX : XXXX ext. XXXX. When enrolling I made sure I asked her multiple times does the college accepts vouchers from my employer to pay for the college. The response was yes I never encountered problem with your company and our college I help multiple students from your employer and never had an issue. I made sure I asked because I know Im not financially strong to pay on my own or out of pocket. XXXX XXXX it clear that I shouldnt run into any problems when processing my grades so the school received the payment. 
I was advised to apply for financial aid but not for a student loan only grants and I was not approved. 
After completing the first class with excellent grades and processing the payments. My job notified me that the school was not accepting my payments because they did not list my job to accept vouchers only reimbursement which mean I have to pay first out of pocket then I get my money back. And I was told by XXXX I dont have to do that. The payments can be sent directly to the school and I spoke with multiple employees in the financial aid department and they all said they will fix it not to worry. Also I spoke with XXXX XXXX her name is XXXX XXXX, XXXX, XXXX XXXX : XXXX Ext. XXXX Enrollment XXXX Manager, Enrollment Services. I was speaking with her and she kept pushing to have my job pay for the few and my phone was damaged so their was a little delay with my response, but I told her that my employers are not able to pay because the school doesnt accept it and she never responded and two months later I received a call on XX/XX/2021 from CBE group a debt collection agency saying I owe money. I honestly cant remember the amount that I was told but it was XXXX XXXX and some change. 
I was giving incorrect information and the school wasnt trying to help they were just trying to get me enrolled in classes again. Every time I enter the class room the fee just kept going up and no one was nice enough to say lets fix this issue before you start classes again and your fees keep insurance. They all wanted me to join classes. And didnt care about my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax XXXX XXXX XXXX XXXXXX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to be delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received a 1099-K at my parents ' home address from CashApp. I have never used CashApp. The 1099-K indicated that there were 294 transactions totaling {$5100.00} under my account. I contacted CashApp and they stated that someone used my name and Social Security Number to open up a debit card. They can not close the account.
Product: Debt collection

I received an alert on my credit report from a debt collector agency saying that I owe them money. I dont owe them anything XXXX XXXX XXXX was paid. I disputed this and its still coming up on my credit report. But I dont know this company I never paid them or had any dealings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY APPLIED FOR RESIDENCY AND HAD MY CREDIT RAN WHEN I DISCOVERED IVE BEEN A VICTIM OF IDENTITY THEFT, THESE FRAUDULENT ACCOUNTS, COLLECTIONS AND INQUIRIES WERE FOUND ON MY CREDIT REPORT, ACCOUNTS - XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER - XXXX, XXXX XXXX XXXX XXXX - ACCOUNT NUMBER - XXXX. COLLECTION - XXXXXXXX XXXX XXXX, INVESTIGATIVE .RECOVERY. INQUIRIES - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX, XXXX, XXXX XXXX. ID LIKE THIS INFORMATION TO BE BLOCKED AND PERMENATELY REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report today, I was alarmed to see accounts that do not belong to me. I have no explanation for how they appeared, as I routinely monitor my report and have never seen these discrepancies before. Hoping it was a simple glitch, I refreshed my browser, but the incorrect accounts did not disappear. Due to this issue, I am requesting a careful review of the documents Ive provided so that I can have peace of mind moving forward.
Product: Debt collection

Im trying to buy a house. So I seen a debt from Aragon agency for XXXX  XXXX I called Aragon they said they had no debt for me I asked to get something in writing and they said they couldnt give it to me. I called XXXX XXXX and they said they didnt have any debt and that Im a good customer with them and why would I owe them when I have service with my home now. They couldnt give me anything in write either. Now I cant get my home loan because I cant get anything in writing from these companies.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXXXXXX - BALANCE {$8900.00} XXXX XXXX # XXXX - BALANCE {$2500.00} XXXX XXXX XXXXXXXX - BALANCE {$460.00} XXXX XXXX # XXXX - BALANCE {$10000.00} XXXX XXXX XXXXXXXX - BALANCE {$12000.00} XXXX XXXX XXXX XXXX XXXX  BALANCE {$1500.00} XXXX XXXX XXXXXXXX - BALANCE {$130.00} EXXXX XXXX XXXX XXXXXXXX - BALANCE {$18000.00} XXXX XXXX XXXXXXXX XXXX # XXXX - BALANCE {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX  - BALANCE {$660.00} XXXX XXXX XXXX DP OF EDUC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$730.00} XXXX XXXX XXXX XXXX XXXX - BALANCE {$52.00} DPT TREASURY XXXX XXXX - BALANCE- {$2100.00} XXXX XXXX # XXXX - BALANCE {$200.00} XXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$640.00} XXXXXXXX XXXX XXXX XXXXXXXX - BALANCE {$1900.00} Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX DATE OPENED XXXX Company contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Student loan

Hello, I paid off my student loans in full prior to edfinancial transferring to a new website. The old website reflected that all of my payments were complete and loan balances were XXXX. Now on the new website, I'm showing a balance of {$7500.00} and they have lost all of the information on the payments I have previously made. 

On XXXX all of the loans were somehow showing that no payment was required until XXXX  but they still had the outstanding balance. I reached out to them on XXXX  to let them know the error and on XXXX  the only response I received was a message on my account telling me that payments are now due next month. Instead of communicating with me the reason for the error, they expedited the timeline in which these payments are due.
Product: Payday loan, title loan, personal loan, or advance loan

I paid the loan off in full back in XXXX XXXX XXXX The company took money from my bank account yesterday. They re-started the loan all over again 7 months later without nay notification I do not owe this company any money this has caused me an overdraft fee an now I owe money to my bank I want this to stop immediately. This is ridiculous if I owed you money you would have been trying to collect your money not 7 months later
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> - The following inquiries were not authorized and should not be reporting.
Product: Debt collection

XXXX XXXX XXXX is reporting negative information on my credit file. This account was sold to XXXX XXXX and they have ceased all collections activity and the collection account had been removed. XXXX XXXX continues to report the negative account. In addition I’ve received notification that the account had previously been removed from my credit file. As of today it is still reporting negatively. I am requesting for the account to be removed immediately. I have attached proof of the removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

contacted trans union about bankruptcies that are not suppose to be on my report please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Experian. I have disputed a foreclosure with XXXX XXXX XXXX  XXXX XXXX XXXX that was reported closed in 2004 and after 15 years remains on my report? It is my understanding the longest period is only 10 years. They just keep saying that the account will remain on my report as is?
Product: Money transfer, virtual currency, or money service

I am filing this formal complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that I believe violate the Consumer Financial Protection Act ( CFPA ).

Specifically, Cash App failed to take timely and effective measures to prevent and address fraudulent activity on its platform. Despite my repeated efforts to seek assistance, the company did not provide adequate support to resolve the issue, leaving me without resolution or recourse. This has caused significant financial and emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX  loan today XX/XX/2020 and I was not approved because I was told that there are several accounts reflecting badly on my credit history ; I was surprised to hear this since I have always made sure to keep all of my credit cards and loans current and paid on time. I looked through a copy of the credit report they pulled and I saw several accounts that do not belong to me. The accounts are from a few different companies all of which I am not affiliated with in any way. I have never opened an account with any of the companies I listed on this report nor do I have any contract with them. I don't know who is responsible for opening these accounts in my name without my permission but I did not gain anything from these accounts such as money, goods, services or anything else. I have filed a police report regarding these unauthorized accounts as well as a complaint with the Consumer Financial Protection Bureau.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be updated.

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. 


EQUIFAX XXXX XXXX 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!

Update the late payments from my consumer reports
Product: Debt collection

I first noticed the account on my credit in XXXX of 2022 but I originally assumed it was somehow connected to my XXXX  account for an un returned modem that Id been meaning to send back when I had the time. ( Similar to how XXXX XXXX  and XXXX paired together ) But once I called to verify the problem I realized it was an entirely different service and account connected to an address Ive never even lived at.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a bill from AFNI INC. SUBROGATION DEPARTMENT.
It states that they represent XXXX XXXX to whom I owed {$2900.00} for payments they made to their policyholder due to a car accident with my involvement on XXXX-XXXX-2017. File # XXXX. Claim # XXXX. I contacted XXXX XXXX and they said they were not aware of such bill and that I do n't owe them anything.
Then I called AFNI on XXXX-XXXX-2017 at around XXXX and spoke with a gentlemen who was not able to give me the source information for this claim and demanded me to have my insurance company contact them for making this payment. He was EXTREMELY RUDE AND THREATENED ME to revoke my driving license if I did n't. I asked him to calm down and not raise his voice at me. He said that I should be looking for notification in the mail for my license revocation by some department very soon.
Product: Consumer Loan

I was reviewing my ( 3 ) credit reports and found an error. It was information from Chase Auto Finance ( Chase Bank ). The reports states Paid, Closed. {$1300.00} written off. I contacted Chase in the earlier part of XXXX XXXX, stating that my car note was paid in full and not charged off. I received a response on XXXX XXXX, XXXX, indicating that I have paid off my loan and the title was also sent. By XXXX XXXX, XXXX, my credit report was still indicating " Charged Off. '' Chase sent me another letter on XXXX XXXX, XXXX, indicating that they would research and review the issue. On XXXX XXXX, XXXX, I received a refund check from Chase indicating that I overpaid on my car note. However, my credit report is still reflecting as " Charged Off '' and it 's listed as a negative account. I am only requesting that the information be updated and as paid in full and not " charged off. ''
Product: Mortgage

Someone on XX/XX/2020 tried obtaining a home loan without my knowledge or consent. I tried calling XXXX  and they would not help
Product: Checking or savings account

I am a PNC Bank user with a student account. I use applications such as XXXX to track my finances and bills, XXXX  to invest some spare change, and XXXX for the weeks where I'm really stretching my paycheck. 

PNC has made a change that prevents me from linking my accounts. I believe this happened around XX/XX/XXXX when I was booted off of my apps. It is very frustrating because many working class citizens rely on these applications to make money just a little easier. It feels very disappointing that I haven't even got the freedom to deal with my money and finances the way I feel comfortable.
Product: Vehicle loan or lease

I purchased a car through Hyundai Motor Finance ( HMF ) in XX/XX/XXXX. The 5-year auto loan was fully paid off as of XX/XX/XXXX. I have yet to receive a clear title for my car. 

I thought it was odd that I still did not receive a title, even after taking into consideration potential processing delays related to Covid. So two weeks ago ( XX/XX/XXXX ) I found out through the DMV website that there was still a lien on my vehicle. I immediately called customer service at HMF, and the rep told me that the title was never electronically released to the DMV. She told me that this would be escalated as a high urgency request and that I should follow up if I didn't receive a title by the end of the week. 

I called again on Friday of that week ( XX/XX/XXXX ) and spoke with a rep named XXXX, who then told me that the request was sent to the team handling title releases and it would take 3-4 additional business days to process the release. 

I called again on Wednesday XX/XX/XXXX, spoke with a rep named XXXX who transferred me to his supervisor XXXX. She told me that the title department has still not initiated the process of releasing the title and the only recourse is to follow up with them again via email, but there is no other way to directly contact them or escalate the issue further. She kept making excuses that the title department was " extremely backed up '' but given that my car was paid off 6 months prior I don't understand why this shouldn't be a priority request. She said it would take another 7 business days to get my title released. 

I asked if HMF would provide compensation in the event of lost value due to the delay ( e.g., if I were to sell my car but I couldn't get my title before the offer expired ). XXXX said yes, but XXXX then said no, HMF does not compensate for such delays. 

I checked again today ( XX/XX/XXXX ) and DMV website still says the same thing - there is another lienholder on my vehicle. 

HMF did not release title of the vehicle to the rightful owner for 6 months after the loan was fully paid off, and even then, it took my following up with customer service to initiate the process. Furthermore, even after I repeatedly followed up and requested immediate transfer of the ownership rights, HMF is refusing to do so.
Product: Credit card or prepaid card

I tried activating a NetSpend card and they said there is a problem because I already have a NetSpend card and I don't know the correct security questions the answers to them I don't know but it's under my social security number and it's causing a problem with closing that account and opening new ones that I actually applied for I would like that one that I didn't apply for to be close to transferred or searched into.
Product: Credit card or prepaid card

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.