23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> the most recent i've sent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record!

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
Product: Payday loan

I am seeking relief from a cah advance loan Opp loans phone number Opportunity Financial LLC in XXXX the interest rate is 160 % I am trying to work out a reasonable settlement but they will not work with me the website is www.opploan.com I donot have the money to pay them back my entir pay is going towards vash advances
Product: Credit card

My credit card payment due date to Wells Fargo is due on the XXXX of each month. I have been charged {$40.00} on the XXXX of each month for late fees since XXXX. On top of an added monthly interest fee. {$240.00} in late fees ytd. I make payments every month, but with interest and late fees, My balance never goes down. How are these banks charging {XXXXXXXX XXXX late fees on the actual due date?!! Help!
Product: Payday loan, title loan, or personal loan

My loan matures XX/XX/XXXX. ( XX/XX/XXXX was original maturity date it keeps changing ) I have been paying monthly, often times after the XXXX which is my due date, but I get the payment in monthly. On two occasions I was given extensions, but I have paid way more than the {$1500.00} loan amount and expected to be paid off in XXXX. I did get an extension in XXXX  and only paid half a payment. So when I asked if I would be paid off inXX/XX/XXXX I was told because I was late many times, my loan has been extended for approx 20 more months, unless I can come up with the {$1500.00} original loan amount plus {$680.00} in late fees. Had I paid on time by the 11th if every month I would be paid off. When I told them that was ridiculous that it was still paid in the same month they told me too bad ... .so now I have to pay another {$4000.00} plus dollars ( {$210.00} x 20 ) on time by the XXXX or it may take longer ....

I wi never get my title back or get this loan paid off ... .I will be paying over {$8000.00} on a {$1500.00} loan. I tried contacting XXXX XXXX and the XXXX XXXX XXXX to no avail. Can you help me get this settled and get my title back? I also wanted to add them to my Chapter XXXX but they refused that also. Please help me. I also paid the {$10.00} late fee everytime I was late. Loan initation date was XX/XX/XXXX
Product: Debt collection

Ameritech informed me my funds would be used toward my federal student loan balance. However, that wasn't the case. When I spoke to the student loan XXXX XXXX, they said none of the above happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 6 paid collection accounts on my report with XXXX  ( formally XXXX XXXX ),  two with XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX. I have sent each collector a letter asking for proof that it was paid. I have also disputed the accounts with TransUnion, XXXX  and XXXX  to try and get the paid collections removed from my report. I am currently out of a place to live and I'm trying to get a house. I paid the collections in hopes that would get them removed from my report, but they are still reporting negatively and I am out of options, but to file with you. Below I have included letters I have sent to TransUnion, XXXX, XXXX, as well as the creditors of all of the collection accounts. I have also included pictures of how my accounts are reporting to the bureaus.
Product: Payday loan, title loan, personal loan, or advance loan

I have encountered numerous difficulties in successfully making payments to Affirm. Despite multiple attempts, including providing my checking account routing information and debit card details, I have ultimately had to resort to sending Affirm checks from my bank to settle the loan. My bank has confirmed, with documentation, that the checks have been delivered to Affirm before the due date. However, Affirm consistently processes the checks two weeks after the payment due date. As a result, I am receiving harassing phone calls and emails from Affirm regarding outstanding payments. 

Furthermore, I have engaged in several phone conversations with my bank, XXXX, to investigate why my payments via debit card and checking account routing numbers are not processing. XXXX has assured me that there have been no attempts from Affirm to charge my account using the provided information. When I contacted Affirm to resolve the issue, I was informed that the payment method indicated insufficient funds on my side, which is inaccurate. 

I am deeply concerned that this situation will negatively impact my credit score. I have taken all possible measures to demonstrate my diligence in paying my bill, yet the problem persists.
Product: Debt collection

I received the following text message without receiving a written notification informing of a debt collection attempt. 

" I am a debt collector with Glass Mountain Capital LLC. This is an attempt to collect a debt, any information will be used for that purpose. Please return my call at XXXX. ( Text STOP to opt out of future messages ) '' I am concerned messages like this ( I have researched and found other individuals have received similar messages ) may be used in attempts to defraud financially uneducated consumers.
Product: Checking or savings account

I disputed a transaction for a charge at a hotel that I did not stay and had to go down the street and get me another hotel the same night because the hotel booked was not working properly and had none working appliances as stated by the attendant. They said they canceled the reservation through XXXX but I never received my refund. I disputed the transaction and bank of america did not honor the dispute, which was not right.
Product: Student loan

I attended the University XXXX XXXX XXXX, XXXX. I applied for loans from this company for only one year. My requested loan amount from that time has ballooned to over {$60000.00} due to fraudulent applications that were completed in my name and my co-signer 's names. Over the years, I have been harassed, lied to and threatened by this company. I 'm also one of the military veterans who was denied benefits that were supposed to be afforded to me while XXXX. This company has tried to play my co-signer and myself against one another telling him that I committed fraud, which is in direct violation of FDC 807. False or misleading representations clause ( 7 ) " The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer ''. They repeatedly told my dad to file fraud charges against me and me against my father. When myself and/or my father requested all of the documentation in my file, they would take 2-3 weeks to get the information to us. They also denied to respond to my father 's lawyer because they did not want to be held responsible for breaking the law again as they would have had to have contact only with the lawyer. When I received the packet with all of the documentation from my file, the total amount verified by letters of disbursement, does not come close to the amount on the account. There was no paperwork for one of the accounts listed on my total account. I requested by letter that the account be removed, however it was not. After trying to work with Navient, I sent them a settlement letter with a check. They cashed the check, and denied the offer. The harassing phone calls have started again.
Product: Checking or savings account

I'm a business owner. I deposited a check of {$75000.00} some time in XX/XX/2019, in my Business Checking Account at the BB & T, XXXX, Georgia branch. I made a withdrawal of {$30000.00}. Later on, when I went there for another withdrawal, I found out that both my account and debit card were blocked for no reason I aware of. 

I have been requesting for that money for four [ 4 ] months now. Still I cant get access to my account. When I go to any branch, they refer me to the fraud department and when I contact the fraud department, they too ask me to go to the any branch, and that the fraud department does not have any problem with my account. I did this for more than six times and still my account is active but no way to get money out of it. 

Please, I need your assistance as this matter has created a big problem in business.
Product: Credit card or prepaid card

I purchased XXXX  equipment onXX/XX/XXXX by phone and online. I applied for their online credit service through XXXX ( which is owned by XXXX XXXX XXXX XXXX XXXX  which has recently merged with the XXXX XXXX XXXX  as of XX/XX/XXXX ) and was approved for {$3000.00}. The equipment order was placed by me.

I changed my mind within 24 hours and stopped the purchase by phone with XXXX. The equipment was NEVER DELIVERED. I never took possession therefore this purchase never happened.

I contacted XXXX  to let them know that the purchase was a return/refund. The total amount financed was {$2400.00} on XX/XX/XXXXas shown on my XX/XX/XXXX statement. They received and applied the first credit from XXXX on XX/XX/XXXX in the amount of {$100.00} and {$1300.00}. Those credits were posted on XX/XX/XXXX. The next credit they received on 3/8/18 is in the amount of {$580.00}. It has been " PENDING '' on my account online since that date ( see screenshot ). Repeated calls, chats and email messages have been made to get them to post the credit. Their excuse is it takes 45 days to post. That would have been approx XX/XX/XXXX. It is now XX/XX/XXXX and multiple chat and email messages since then have produced no action on the creditors part to post the credit. Meanwhile finance charges are being charged every day since XX/XX/XXXX to my account. Interest on XX/XX/XXXX statement of {$48.00} and on XX/XX/XXXX statement of {$20.00} so far they have charged me {$68.00} in interest for merchandise I never took possession of. I was never made aware of the credit by message, email, on any statement or any other communication. When I chat with them they don't " see '' it until I point out that it is showing online. Then they just repeatedly tell me it will post in 45 days. They have deceptive financial practices and should be investigated and indicted for harming their customers.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXXXXXX XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Bank Processing Delay : My payment was made on time, but a delay in XXXX XXXX XXXXXXXX internal processing led to the payment being marked as late. I have attached my bank statement showing the payment date and transaction details to support this. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX had a technical error, which caused the payment to be marked late despite the payment being submitted before the due date. This has been acknowledged by their support team, and I have included documentation of this interaction. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I have a car loan with Capital One. Payment on the loan is {$330.00} per month due on the 4th day of each month. Prior to XX/XX/year>, I paid via automatic deposit from my XXXX XXXX XXXX account, but starting XXXX I deleted this automatic payment and created a new one on their online portal so that the funds would be deducted from another account at XXXX XXXX. I received confirmation via email of both these actions. Also, on their portal I can see the new information correctly reflected. 

However, on XX/XX/XXXX, the funds were deducted from both accounts, causing me to pay twice, and causing my account at XXXX XXXX XXXXXXXX to be overdrawn with all the attendant penalties. I called Capital One on XX/XX/XXXX when I noticed the error. The customer service representative insisted that there was no error, and that it was not their fault that I did not make the change correctly. He denied receiving the payment twice, claiming that only the XXXX XXXX XXXXXXXX payment came through. When I asked to speak to a manager, I was told that could not be arranged. 

Because there was no action from Capital One to refund the payment deducted from my XXXX XXXX XXXX account, I called XXXX XXXX XXXX to dispute the transaction which was swiftly restored to my account. They have since blocked any additional deductions from Capital One. 

Since then, Capital One has continued to deduct XXXX and XXXX payments from my XXXX XXXX account which I intended for them to do. However, they claim that I have not been making the payments and that my account is in arrears. It is impossible to speak to a manager. I continue interacting with customer service agents who seem unaffiliated in any direct way with the organization. Today, I see that these alleged arrears were reported to credit reporting agencies thereby negatively affecting my credit report.
Product: Mortgage

My loan with Freedom Mortgage was paid in full on XXXX. Prior to this I was advised not to stop or make changes to my payment settings until the loan had been paid. After the loan was shown fully paid on my account, another auto pay debit was made ( made by Freedom Mortgage, not sent as a bill pay function from my bank ) on XXXX XXXX. I called to request this money be returned and to be provided a statement showing all money owed to me as a result of the errant payment they took, existing escrow balance, and overpayment by the refinance loan based on the timing of the payoff statement and guidance on not stopping recurring payments during the intervening time. I also asked for confirmation of stopping the auto payment system from their side since the feature becomes unavailable after the loan is paid on the borrow side of their account system. None of these documents/confirmations have been provided and the auto pay remains active as of XXXX XXXX, almost 2 full weeks after the loan payoff was concluded. Another automatic payment will be taken on XXXX XXXX I have been informed during my attempts to stop the automatic payment from occurring.
Product: Credit reporting or other personal consumer reports

A XXXX payment was misprocessed from my bank to XXXX XXXX for the amount of {$870.00}. The problem was that the payment went through twice. This caused me to be negative for my bank account. It also caused me to be over the limit with my credit card. This should not have happened. I spoke with several people to try to resolve this issue. I was told that I would get a call by XXXX XXXX after 7 days of an investigation. This did not happen. After XXXX  days, I had to call back to get some sort of response. I was told by XXXX agent that the problem would be fixed. It was not. I had to call back again. When I did that time, I was told that it could not be electronically sent to my bank. It would have to be mailed as a check instead. Because of this, I was dinged on my credit for non-use of my card. This was because I was over my limit. This was due to incompetent employee performance. This was not my fault. I could not use my credit card because of this. 

I was dinged on my credit again for another reason having to do with employment incompetency, and I believe it may have had to do with my balance. The problem is, none of this was my fault. I tried to reach out to resolve this and XXXX XXXX was not very helpful. 

Later, I contacted the XXXX. XXXX XXXX did have a supervisor who reached out to me and declined to fix my credit because they reported it correctly. I have to agree. They did, in fact report it correctly. Addressed was the employment incompetency and misinformation that I was given that led to having to be reported to begin with. None of this necessary reporting was due to any error on my end. 

Ultimately, I would like to see an adjustment in some way shape or form to my credit because I have worked very hard to get my score up from a very low one. 

I believe that XXXX XXXX should hold some accountability for this issue. I understand, however, that they can not lie regarding reporting inaccurately. Their reporting was correct. The employment incompetency that led to it to begin with was utterly disgusting. Please look into this.. I have done much to try to resolve this over several months.
Product: Vehicle loan or lease

I am still paying my car loan however the loan company Westlake has closed out the account and is not reporting my current payments. They have also in the past on a previous loan took {$3700.00} out of my bank account and refused to refund the money and just sent the title instead. Westlake is operating fraudulently and false reporting to the credit bureau in retaliation to me hiring a lawyer.
Product: Debt collection

I have been making payments on an account with Rauch Milliken for a debt that was originally {$300.00}. When I call to make payments representative XXXX ( female ) told me I owe various amounts than I actually owe. This prompted me to ask for her to send me my account balance in writing, via email or mail. She told me we dont do that. I can only send you a receipt on the amount you paid today. When I threatened to research regulations on debt collecting practices, she told me she would send me an email with my account balance. She never sent it. 
This makes me very uncomfortable. It isnt transparent or fair practice.Ive sent two payments and I just want proof of progress on this. Her refusing to do such a simple task is scary.
Product: Mortgage

I have already placed a complaint re : Carrington Mortgage Services and the problem with our escrow account. 
I would like to add that we are still getting no where with them. They continuely have computer issues " my computer is down so I cant see your account '' " I have limited access to the system, maybe you could call tomorrow '' They also state that they have not received paperwork from us. And they most certainly have. I have sent proof to them ( as they requested ) that our escrow account is NOT in a deficit! 
In the meantime, we are falling behind because they are not accepting payments from us. 
We will never get help from them!!
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 confideniality under 15 U.S.C 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX XXXX 

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. 

XXXX is re-aging the debt which is against the FCRA.
Product: Payday loan, title loan, or personal loan

Im challenging Affirm placing items on my credit report. I called them starting in XX/XX/2022 to resolve an account that was opened in my name as identity theft. I came across the account when checking my credit report with XXXX. When I requested numerous times for the account to be shut down and charges removed I was denied. After seeing someone had an account and credit card attached as payment forms, I attempted multiple times for the payment to withdrawn out of the persons account but it kept declining. When I finally tried the credit card on file, one payment cleared but when I attempted to process the other loans they had open the person went in and removed their account leaving a balance of loans. I did this because Affirm refused to close the account with the loan balances even though they were able to see the payment types had no connection to my info. Eventually I paid the balance to keep the account from going into collections and hurting my credit but Affirm reported the late payment anyway causing my credit to drop XXXX points even though I tried for 4 months to get a resolution from them that ultimately resulted in my credit being negatively impacted.