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

Had a agreement with CPA vendor that was not fulfilled. Charge was on American Express card. American Express first declined pursuing the vendor when I initially filed the dispute and provided the support information ( contract and email from vendor they would not proceed and did not fulfill the agreement ). American Express after 5 attempts finally accepted the dispute but is making me still pay for the disputed amount less the interest. Previously ( no notice of change to process was provided as of XX/XX/2021 ) dispute charges were temporarily removed from the card holders account while the issue was being investigated. This has not happened and American Express is limiting my ability to use my card due to this charge even though I have paid off this card more than 4x in 18m and have a good credit history with American Express. 

American Express practicing anti-consumer and anti-black practices by limiting the ability of minority consumers to retain credit and obtain credit increases and use the full capability of their cardholder features which is offered to every other consumer. I have been a customer of American Express for over 4 years and have never received a credit increase with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request for unautorized inquiries to be removed, and they have not been removed INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I DID NOT authorize : XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX. XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/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: Vehicle loan or lease

On XX/XX/XXXX I traded in a XXXX XXXX XXXX and signed a retail installment contract for a XXXX XXXX XXXX. After gross trade in allowance, down payment, and a rebate my balance came to {$23000.00} Once additional fees were added the total amount finance was {$27000.00} Today is XX/XX/XXXX and my current payoff balance is {$25000.00}. In four years my balance has not changed very much and I noticed that when I make a payment it goes all toward interest. Also my request for extensions is not putting the current payment on the end of the loan. I recently had an extension on XX/XX/XXXX and XXXX  XXXX is showing that I owe for XXXX months when it should only be for this month which was on XX/XX/XXXX. I am thankful for having transportation but to take advantage of consumers because their credit is less than perfect is ridiculous. I just want this fixed I should not be owing {$25000.00} for a car that I have been paying on for XXXX years especially when my payments are {$630.00}
Product: Mortgage

We deal with fay servicing, around XXXX XXXX we went to make a payment, we was XXXX weeks late, my account wouldn't let me access anything, tried calling for weeks, finally someone got back to me, and wanted to remod our loan, so i mailed, faxed, and emailed all the paperwork, they claimed they never recieved any of it, finally after couple more months they got back to me again, after not letting us make payments, saying they got it figured out and either they was going to forclose or i pay XXXX XXXXXXXX for XXXX  months, total {$8800.00}, their math, so we been paying since XXXX made XXXX payments so far of {$2200.00} each, now its not reflecting payments, statement for XXXX shows i owe {$9600.00}. We tried to get help from our credit union but they cant see fay on my credit report, i sent them copy of mine, but its not showing any payments being made, on top that our balance is XXXX  XXXX ( on statements ), i baught house in XXXX for XXXX XXXX credit report showing i owe XXXX XXXX. When i called fay again for statements- cause im still locked out of my account- they asked why told them my credit union may take over loan, they said they needed to speak to their attorneys.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Equifax, detailing a concerning experience I recently encountered while attempting to update my information. I followed their prescribed document request process, supplying a utility bill with my current service address and a Social Security Card with the complete 9-digit number. 

Despite my compliance with their documented requirements, I faced a discrepancy in the verification process. Initially on a phone call I was assured that my information had been updated, I encountered resistance when I sought further clarification from the representative from today XX/XX/2023. The agent insisted on the submission of my ID and his refusal to escalate the matter to a manager or higher authority exacerbated the situation. 

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly. It is my sincere hope that discriminatory practices are not at play, as such treatment contradicts the experiences of those within my network. No one I know has encountered similar obstacles, and I believe it is imperative for Equifax to address this discrepancy promptly. 

Your attention to this matter is greatly appreciated, and I trust the Consumer Financial Protection Bureau will ensure Equifax 's adherence to fair and consistent procedures.
Product: Credit card or prepaid card

Good morning, I have a fraud charges I reported on my XXXX  rewards visa card ending on XXXX. I have charges internationally from XXXX XXXX and one for an airfare they were saying that may email and passport confirmed the air ticket for my family members but even my family members did not go out of the country those dates. My email and passport and compromise. I have sent XXXX fraud department a copy of police report, my attendace sheet at work, and other supporting documents but still they are still not giving me a fair decision. The fraud claim amount is around $ 700.xx. Can you please help me with this situation.
Product: Credit reporting or other personal consumer reports

Trans Union LLC XXXX XXXX  XXXX, XXXX, PA XXXX. 

My compline is to the credit bureau XXXX Trans Union ) why is every time I lowered the balance all on my collection accounts I noticing my fico scores goes down as well and XXXX, XXXX I was gaining the fico scores for lowering the balance.. I believe the trans Union practicing unfair act on scoring systems to consumers like me and others out there. I also noticing Trans Union is not properly investigating dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account XXXX  XXXX  XXXX  XXXX  # XXXX, please delete or produce the original instrument of indebtedness, method of verification and validation of debt. Also, this account is reporting a payment as of XX/XX/XXXX, but account is stating it has been close since XXXX ... 

This is account has many errors on all three credit agencies, please remove
Product: Credit reporting or other personal consumer reports

CREDIT REPORT THAT I DID NOT AUTHORIZE 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: Debt collection

my name is XXXX XXXX XXXX Congressional way XXXXXXXX XXXX XXXX XXXXXXXX I pull up my credit I found an collection account that it doesn't belong to me I contact the original creditor they are already deleted the problem is the collection agency PORTFOLIO RECOV ASSOC I never have an answer from them Account info XXXX Collection account. {$430.00} Contact info PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX Account info Account name PORTFOLIO RECOVERY ASSOCIATES Also known as PORTFOLIO RECOV ASSOC Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$430.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$430.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$430.00} Highest balance - Terms XXXX  Months On record until XX/XX/XXXX Original creditor XXXX XXXX XXXX XXXX like I said the original creditor deleted but the collection agency looks like it's something wrong with them please do something for me I appreciate it thank you very much my last XXXX digits of your Social Security ( XXXX )
Product: Debt collection

The company XXXX XXXX placed a unpaid bill on my credit report that someone else opened in another state with there own name but my information. They in turn sent it to collections despite a police report for identity fraud being sent to them. the company Aargon Agency inc picked up the account which is in violation of Fair and Accurate Credit Transaction Act.
Product: Credit card

Chase reported I owe them a balance on of the credit cards that belonged to a C-Corporation. The corporation was shutdown in XXXX  due to financial problems. I explained Chase, I am not responsible for the charges on the credit card. I personally did not use the card. They told me as per their policy, my personal information is tied to this card, hence I have to make the payments. They have declared delinquency several times on my credit report to force me to pay the balance. I eventually agreed to make monthly payments, which they started taking and after two years of payments they have handed over the case to a third-party collections company. 

The collections company harassed me every day, and they appeared on my credit report. XXXX has hurt my credit once again by bringing XXXX collections company. 

Chase failed to explain why corporate card was being charged back to an individual, why they are using consumer 's SSN to collect the money. Why did they declare delinquency while dispute is being investigated? 

Why did they bring a third-party collections when there is an agreement for a monthly payments, they clearly took several months of payments via auto-payment arrangement. 

Today, I settled with the offered balance with the collections company and I want Chase to repair my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX and Experian after I purchased a credit report with XXXX XXXX  on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXX XXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$38000.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

You were advised by me by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency.
Product: Prepaid card

I have been trying to access my account online to check my balance and do view my transactions I have been calling the number on back of the card since XX/XX/2024 when I speak to the agent, they try to assist but they in up stating that they got to make a work order ticket and states that I should try logging on again within 24 hours. I give it 48 hours and still when I go to sign in the same issue. 
One agent stated that I should call XXXX when I called them, they stated they do not/ can not help with a card issue. 
I ask to speak with a supervisor it was stated that they stated they would put in a work order. I then send in my issue via US postal service to the address they have online. I still have not received an acknowledgement nor has the issue been solved. This has been going on since XXXXXXXX XXXX
Product: Student loan

My account is now showing late after Nelnet skipped my autodebit for XX/XX/XXXX. I don't want my credit to be jeopardized because the Loan Servicer isn't taking my autodebits on the due date each month. Payments were coming out on the same day each month starting in XX/XX/XXXX when repayment started back up, but now starting in XXXX, my account is late and autodebit was skipped. I had to make a manual payment to get my account back to positive. When I logged in, the system is stating my next payment will be in XX/XX/XXXX, but why was the XXXX payment skipped and now showing my account late? Unfair to to us that are making payments on time. Do not need credit rating jeopardized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including billing statement and identification. Thank you for your prompt attention to this matter. The long list of INCORRECT Addresses that should be deleted are : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX XXXX, GA XXXX. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: 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 Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

I was a part of the large Wells Fargo settlement because my car was Repossessed. They issued a check in the amount of {$5400.00} in my name and my ex-wife name. I am now divorced and have no ability to get in touch with my ex-wife so I can deposit the check. I called and explained myself and the agent said there was nothing they could do about it. They said I had 2 options the first was to get a hold of her so she can sign it, and the second was to wait 2 or 3 years untill the money had been sent to unclaimed money. I have tried to get in touch with my ex and she changed her number and Address... I even tried her daughter with no luck. The second option is not an option and I really need my money. I recieved a tax document showing taxable interest with only my name on it. Is there anything I can do to get them to issue me a check in my name? I have a divorce decree and everything.
Product: Debt collection

Company prematurely added and falsely/illegally added a collection account, XXXX XXXX XXXX XXXX ( {$200.00} ), to my credit profiles, without notifying, verifying, or given me a chance to dispute the validity. This company has been trying to extort me for money for years for a bill that is not owed to them, and original creditor has written off and already been paid. 

Company reported this account to my credit profile on XX/XX/2021 ; however, the company reported the account as opened and last reported XX/XX/2021? These shananigans has caused a financial distress to my life and I DO NOT WISH TO DO BUSINESS WITH THEM!!! See attached files. 

REMOVE THIS ACCOUNT FROM MY PROFILE IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have since then reported these accounts as made my identity theft, along with a identity theft report because I have no knowledge of the accounts. You were made aware of this before and after XX/XX/XXXX with an identity report attached about the following accounts. Consumer Law states that this must be removed in 4 days of notice of identity theft. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX SECTION 605 A 15 U.S. CODE 1681 C-1 and SECTION 605 B 15 U.S. CODE 1681 C-2 support my claim against identity theft while stating : a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} PER violation. I want XXXX per violation of the removal of the accounts. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

If you do not immediately remove this information, I will file a formal complaint with the FTC.
Product: Debt collection

I have just learned that XXXX sent my debt to an outside collection agency, which is weird as they normally collect from their own collection agency. I have not recived communication from them to my knowledge, but they have contacted my mother the co-signer. The school I went to was convicted of fraud and ordered to pay back {$500.00} million in student debt. XXXX XXXX XXXX, a part of XXXX XXXX XXXX. My debt qualifies for discharge according to the lawsuit and I believe this debt should be collected from XXXX XXXX XXXX and is no longer owed by me. I also believe XXXX sold my before 180 days. I did not stop paying XXXX, they stopped collecting and I was NEVER informed of any period of time the program ran for. I found out in a web search of another XXXX  borrower in the same program saying one was supposed to apply every year. XXXX had charged me for 3 years uninterrupted without mention of needing to renew yearly.
Product: Credit reporting or other personal consumer reports

I believe that my information is being misused and reported as inaccurate and I am filing this complaint to XXXX XXXX . In my credit report from XX/XX/2023, I found this derogatory item that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.