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

I have a credit card from XXXX  XXXX, and I have always made my payments within 30 days of receiving the statement. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me as I was outside of the 30 day grace period and they charged me a late fee, XXXX  XXXX has advised me to contact credit bureaus and get this matter resolved. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX  reporting me 30 days late on XX/XX/2020. There was an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

My credit information was breached along with millions of other XXXX I need the current credit history I have looked at and invested and removed.
Product: Checking or savings account

Capital One has claimed that their direct deposit, money transfers, and other online mobile banking features are currently down since XXXX, XX/XX/year>. Some individuals are even unable to access their account as a whole. My paycheck qualifies for an early direct deposit which I have not received since XXXX, XX/XX/year>. The delay in receiving funds is affecting thousands of people, and I am sure we are all concerned about the safety of our money. We trusted Capital One with our finances and they are failing to deliver on their promises. The issue is causing late payments on important monthly payments and disrupting family and business dynamics. Capital One failed to mention their features were down until far after the situation arose, and has yet to implement a way to satisfy their customers. In fact, their letter sent via email did not address any of customer concerns nor did it propose a strategy to compensate those affected.
Product: Debt collection

I received a call on XX/XX/XXXX at XXXX XXXX from a private number stating that he was a representative from XXXX XXXX XXXX XXXX XXXX He said he tried to deliver a summons to me last Friday to appear in court but was unsuccessful. He then said, " unfortunately the document is sealed, but you can call the lawyer in charge of this matter. '' He proceeded to give me the number to a law office which is XXXX. He also gave me a case reference XXXX. I asked was there anyway I can get a copy of the documents and he said to just call the number. 

When I called the number I was asked for the case reference number and put on hold and transferred several times. I was then put on the phone with a woman who never identified herself or the law office she was representing. She said this is concerning a car loan that was never paid with Santander Consumer USA. She said that the summons was for me to appear in court because I was being sued for a wage garnishment. She said the debt was over {$11000.00}. She said they tried to contact me in XXXX. The car loan I had with Santander is from XXXX, over 15 years ago. I gave her my address and told her to send me the information in the mail. When I contacted Santander they said the debt was around {$6000.00} and too old for them to pursue. 

After I got off the phone with them I called Santander USA and inquired about this and they had no knowledge. They said they have not tried to contact me since XXXX and the debt was sold from Santander and should no longer be on my credit report because it has been over 15 years. 

I want to report this because the lady was very abusive and argumentative. Also when calling the phone number the law office does not identify itself by name so I'm sure this is a scam. I just want to report it so other consumers can beware.
Product: Credit reporting or other personal consumer reports

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company.

Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Product: Debt collection

The name of the company is Portfolio Recovery Associates LLC the date on the bill is XX/XX/XXXX. Portfolio put a lien on my dad 's home. When my dad died in XXXX the lawyer had to pay Portfolio Recovery Associates to get the lien taking off my father 's house so we could sell it. Now Portfolio Recovery Associates LLC has sent the bill to another collection agency XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helpingme due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. 

Please delete the following accounts. 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: Mortgage

This lender-servicing company, Movement Mortgage , has failed to refund to me the annual escrow surplus in the amount of {$7100.00}. I received the required annual analysis on XX/XX/2022 and it stated " Your escrow refund check will be mailed to you in a separate envelope. '' I have called 4 times to report that no check ever arrived : on the first call on XX/XX/XXXX the representative stated that it had been sent and should arrive within the week. On the 2nd call on XX/XX/XXXX, another representative told me the check had never been cut and sent, and could not explain why. On the 3rd call on XX/XX/XXXX, the representative hung up on me. On the 4th call on XX/XX/XXXX, the representative said he would stop payment on a payment issued on XX/XX/XXXX and electronically deposit the funds to my checking account " sometime after XX/XX/XXXX. '' The representative asked to place me on a brief hold and said " XXXX XXXX XXXX XXXX  '' before I was placed on hold and then disconnected. 

They have been withholding my rightful ( and promised ) refund since XX/XX/2022. See attached " ANNUAL ESCROW ACCOUNT DISCLOSURE STATEMENT '' published on that date.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding a dispute I initiated on XX/XX/XXXX, pertaining to my credit report. In my dispute letter, I pointed out an inaccuracy in my credit report related to the account with XXXXXXXX XXXX XXXXXXXX XXXX. This account reflects a late payment in XX/XX/XXXX, which was due to a deferment caused by the XXXX pandemic. According to the CARES Act, such deferred payments should not be reported as late. Despite my efforts and the gravity of this issue, I have not received a response or any resolution from Equifax, which raises concerns about negligence in handling my dispute and potential violations of the FCRA. It is also important to note that XXXX and XXXX are not reporting this late payment so I am confused why Equifax is reporting this. I have attached a copy of the original dispute letter, which clearly outlines the error and the pertinent details. This letter is dated and time-stamped, demonstrating that my dispute was initiated over XXXX months ago. As you are aware, the FCRA mandates the accurate reporting of consumer credit information, and any violations of this act can have serious consequences. I am prepared to pursue legal action against Equifax for each FCRA violation, with a potential claim of {$1000.00} per violation, should this issue remain unaddressed. I kindly request immediate attention to this matter and the removal of the inaccurately reported late payment from my credit report. I believe it is in everyone 's best interest to resolve this issue promptly to avoid any further legal action.
Product: Credit card or prepaid card

XXXX financing has been charging me late payment fee and interest on my balance due to an issue on their end. My address in their system is incorrect due to which i was not receiving any bills or statements. I have tried to explain this issue to their customer service multiple times, they did update the correct address but have not removed incorrect fees and interest billed to my account. I am clear that i will not be paying these fees as it was a problem on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX  XX/XX/XXXX I received several credit alerts that I was 31 days past due on a {$2.00} XXXX charge for storage on my XXXX XXXX which negatively impacted my credit score causing it to go from XXXX to XXXX overnight. I take my credit extremely seriously and had never had a late payment in over 20 years of credit history. I was devastated when I received the notifications and called Apple support and GS Bank USA who owns the rights to the card. I spoke with several representatives at GS Bank who claim they escalated my dispute.. They claimed to have sent notifications to an XXXX email account that was set up when I purchased the phone. I knew nothing about this email acct I would receive monthly notices of a {$2.00} charge and would simply pay it through my XXXX credit card which I have a {$6500.00} limit. I am a XXXX XXXX XXXX man and admittedly not always knowledgeable on the latest wireless technology.. That being said had I known I was behind on a payment of only {$2.00} I surely would have paid it. The effects of that missed payment has spiraled my credit rating XXXX  points! This is inexcusable on the part of GS Bank USA. I am requesting this be taken off my credit report asap as I have also filed a dispute with XXXX case # XXXX. When I called XXXX on XX/XX/XXXX I spoke to two specialist that had me on hold at different times during the conversation for well over 90 minutes only to tell me at the end I was sent notifications to my wallet. My wallet! I use my phone to make and receive calls check my email at XXXX XXXX not familiar with a wallet or XXXX  etc when explained to me about the XXXX I found I had over 200 emails sent to this account. Which I never knew anything about! Im reaching out to your organization to make sure that this doesnt happen to anyone else especially those of us that are getting up in age and arent familiar with certain apps wallets XXXX  etc My request is having this {$2.00} missed payment removed from my credit report as Ive stated earlier I had a perfect rating on my payment history. If theres anything your organization can do to assist me I would be greatly appreciative. I can be reached at XXXX address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX thank you
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX I signed up for a 3rd party marking service for my small business. They promise a certain performance result but require that you pay their fee upfront. They suggest using a specialized financing company if you can not pay their fee, to finance it with this company. They offered me their phone number to engage, while waiting on the other line for me to complete. I engaged this loan company entered into an agreement over the phone to make payments and they paid this marketing company 's fee. About 2 months in I realized the marketing company to be fraudulent, and not abiding by their end of the deal. I asked for a refund and they refused. I then contacted the finance company and asked to cancel, and they refused. So now I am on the hook to pay on a fee, without option to cancel or stop payment without damaging my credit due to a fraudulent marketing company and their scammy finance company.
Product: Credit card or prepaid card

I purchased a prepaid visa gift card from XXXX before XXXX in XXXX of XXXX. I put {$200.00} on it to spend for XXXX. I registered the card at XXXX with my name and address. I spent {$63.00} online. When I went to make another purchase it wouldn't work. I saw that someone went in and hacked into my card account and re-registered it in their name. They spend the rest of my {$130.00} at XXXX and XXXX XXXX in XXXX. They re-registered the card in the name " XXXX. '' I have called this company at XXXX 5 times and they give me the runaround about the theft. The last time I called on XX/XX/XXXX at XXXX a customer service person by the name of XXXX helped me ( and my brother who had {$130.00} stolen by a hacker ) fill out a dispute form over the phone. She told me to call back in 5 days to find out the results of their investigation. 

I called again on XX/XX/XXXX at XXXX : XXXX and another person named XXXX said it would take up to 90 days for the investigation to be complete. She said they would then send me a letter to my address to inform me about the results. I asked to speak to a supervisor and she said there wasn't one and he would say the same thing. 

I told them the money was stolen within days of me purchasing the card and they can see on their end that someone re-registered the card in their name after I registered it in my name. I have the card and the person who didn't have the card was able to get in and re-register the card. This is frustrating because they won't refund the stolen money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the three collections that report on my credit report ( XXXX, XXXX XXXX XXXX XXXX , & XXXX XXXX XXXX XXXX ) 3 times with Experian & XXXX. These are all ORAL contracts. All three items exceed State of Arizona Statute of Limitations on Debt Collections and therefore per FCRA guidelines must be removed from my credit bureau. XXXX has complied with state guidelines and has removed all 3 items however Experian & XXXX have yet to follow suit. I have kept all 3 dispute records as well as all certified mail receipts. I have included Arizona regulations in case Experian is unaware of them. I called in to file the dispute one time and the customer service agent wouldn't accept my dispute because she said the statute of limitations was 6 years. If you work at the credit bureau they should provide their employees with guidelines by state. 

ARIZONA STATUTE OF LIMITATIONS Written contracts : 6 years, runs from date creditor could have sued account. 

Oral debts, stated or opens accounts : 3 years. 

Actions for fraud or mistake : 3 years from the date of the discovery of the fraud or mistake
Product: Debt collection

XX/XX/2021 XXXX XXXX XXXX send me a letter trying to collect on the wrong amount.. I want this debt deleted off my credit cus its reported wrong payment history facts and the prices for the debt is different
Product: Credit card or prepaid card

I was approved for a BP Credit card from XXXX XXXX ( Phone # XXXX ), website : mybpcreditcard.com, with a credit limit of {$500.00} in XXXX 2017. In XXXX 2017 with the exact same information on my credit report my credit limit was stepped down to {$110.00} which damaged my credit rating by escalating my debt ratio. I had a XXXX XXXX in late XX/XX/XXXX and just got home the fist week of XX/XX/XXXX and have been trying to get house work caught up and pay the bills that did not have auto pay already attached to the accounts. Why would you grant credit just to rescind it 30 days later. XXXX XXXX appears to be notorious for doing this and it makes no sense, nothing changed on my credit report from the time credit was granted 30 days prior. Yes, I had a XXXX XXXX, but I 'm still employed, still earn the same income at the same job. This is why they had to solicit me 4 times before I accepted the credit offer, because I had heard of this problem with XXXX XXXX. How many hard working families need to have their credit damaged by this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/2019 A FEW CAME OFF BUT MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN CREDIT BUREAUS ( TRANSUNION, XXXX, XXXX  ) TO REPORT MY INFORMATION THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS. ALSO SOME OF THE COLLECTION AGENCIES ( XXXX  XXXX  XXXX, XXXX, ON MY ACCOUNT DO NOT EVEN HAVE THE RIGHT TO COLLECT IN MY STATE WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL. 

SOUTH CAROLINA LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS THREE YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
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, which violate 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. 

Thanks for your help in this matter
Product: Checking or savings account

I had a CD at 4.88 % and when it matured I had a window to roll it over. After four trips to the bank I could not get an appointment. I called the agent 6 or 8 times he never answered his phone. I discovered that after 25 rings I could leave a message. I never got a call back. Last week I went in and was given the run around again so I got belligerent and informed them that after two weeks of effort they would see me or I would close all accounts with them. I finally got to see an agent who informed me that my account had rolled over to 2 %. I asked what the new interest should be and was told 4.4 %. So I agreed to move the money to 4.4 %. They Charged me {$880.00} dollars to do this. I was charged the interest that I did not earn as a penalty. This was an intentional blocking of my ability to rollover this CD until the window had closed. My question is do I have any options or can they just get away with this without recourse.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 

Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.I 15 U.S.C 1681s-2 ( A ) ( 1 ) 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: Credit reporting, credit repair services, or other personal consumer reports

Credit karma has done a lot of unlawful activities using my name that has made my life hard. I have a wife and XXXX kids can you please help us?
Product: Credit reporting or other personal consumer reports

improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose i contacted all of them and asked for proof and no response here is my tracking number of my certefied mail that i sent and they received on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX