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

All three agencies have continuously violated and continue violating my federally protected rights as a consumer, privacy through privacy act of 1974 and as follows THE PRIVACY ACT OF 1974 : The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete; and. 
15 U.S.C. 1981 SECTION 2 A State that I, as a consumer, have the RIGHT TO PRIVACY 15 U.S.C. 1981 SECTION 604 SECTION 2 : States that a consumer reporting agency CAN NOT furnish any information on my account without the expressed written instructions of the consumer which is I, and no agency XXXX, XXXX, Equifax has attempted to receive written instructions from I, the consumer, nor have they received any such instructions. My federally protected rights have been continuously and maliciously been violated and neither has attempted to correct to this date. 
15 U.S. Code 1681c - Requirements relating to information contained in consumer reports : ( a ) INFORMATION EXCLUDED FROM CONSUMER REPORTS : ( XXXX ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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: Payday loan, title loan, personal loan, or advance loan

I am filing this complaint against Enerbank USA regarding unfair lending practices and inaccurate credit reporting. 

In XX/XX/XXXX, I entered into a XXXX, 0 % interest, same-as-cash financing agreement with Enerbank USA. Around XX/XX/XXXX, I stopped receiving account statements for XXXX consecutive quarters ( nine statements ). 

Unaware Address Change : My investigation revealed that Enerbank had changed my mailing address without my knowledge or consent. This change prevented me from receiving statements and hindered my efforts to access my account online. 

Attempts to Contact Enerbank : In XXXX XXXX, I attempted to contact Enerbank via their website and phone to request statements, inquire about the final due date for the same-as-cash period, and request a payoff amount. Unfortunately, I was unable to verify my account due to the incorrect address on file. 

Due to a planned trip abroad, I contacted the vendor who facilitated the loan to assist with communication. Upon my return, both the vendor and Enerbank confirmed that my address had been changed to an unknown location. This error was the sole reason for my lack of statements and online access. 

Request for XXXX XXXX : Despite acknowledging their error, Enerbank refused to honor the 0 % interest agreement and final payment attempts made two months before the original deadline. I had already paid {$3000.00} towards a loan of {$9800.00}. However, Enerbank demanded a total of {$9000.00}, resulting in a discrepancy of approximately {$12000.00}.

Intervention by Attorney General 's Offices : I sought assistance from the Attorney General 's offices in Virginia and Alabama. Following this intervention, Enerbank agreed to extend the same-as-cash period to XX/XX/XXXX. They confirmed that paying the principal balance would eliminate interest and late charges. 

Disputed Late Fees : An additional {$180.00} in late fees was added to my account. I dispute these charges because timely payments would have been made had I received proper statements. 

Unfulfilled Promise : Enerbank representative XXXX XXXX verbally confirmed that paying the principal balance by XX/XX/XXXX, would eliminate interest and late fees. I fulfilled this obligation by making a payment on the Enerbank website on XX/XX/XXXX. 

Unexpected Charges : Despite fulfilling the agreement, Enerbank is now claiming over {$3000.00} in interest charges and requesting a {$60.00} settlement fee. 

Reason for Complaint : I believe these actions by Enerbank constitute unfair lending practices. The company 's error in changing my address led to a series of issues, including missed payments, disputed fees, and inaccurate credit reporting.
Product: Debt collection

I had an account with Midland credit management on auto pay for over a year now. Always paying as agreed. I got a new debit card from my bank, my old one expired on XX/XX/22. All of my XXXX payments went through, no problems, except this one with Midland. On the XXXX they say it didn't go through. They then turned it over to collections on XX/XX/22. I tried to get them to fix it and put it back how it was and pay the " late '' payment if they removed it from my credit report like it was before. I was told they would not remove it unless I paid it in full. Now my credit is being affected because they reported it, and it was not my fault the payment did not go through, my card was valid until XX/XX/22 And then I activated the new one I received. I just want it put back how it was and continue my payments without it being on my credit report. I have screenshots of the entire chat with an account manager.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America Account ending in XXXX was paid off as agreed. XXXX XXXX XXXX was all the payments made as agreed. Almost 1 year later they say I have a balance of XXXX or more. I called back sent over the payment history and they confirmed a glitch in their system. Talk to them XX/XX/2023 they saying its a balance of {$300.00} but my credit is say XXXX balance. Conflicting stories. Please help I feel helpless like Im being taking advantage of. 

I paid {$540.00} for 12 months as agreed now they saying they dont see it
Product: Debt collection

Left very aggressive pre recorded voicemail threatening me to call them back before XXXX today or they would have to take further action. Gave no information on the debt they claim I owe, did not give the name of their company. 
Only left a call back number. When I called back I got the name of the company but then was disconnected when I began asking questions
Product: Credit reporting or other personal consumer reports

Listed items to be removed from my credit report : 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 Closed/paid off All accounts
Product: Credit reporting or other personal consumer reports

Subject : Update on my {$30000.00} line of credit on my credit reports ( XXXX, XXXX and Equifax ) I am contacting you through this letter because attempts to contact the Lender : XXXX XXXX have been unsuccessful. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Phone : XXXX The purpose of this communication refers to the following matters : Unreported or inaccurate information on my consumer credit reports : If you review my XXXX XXXX XXXX account number XXXX, you will notice that I have a {$30000.00} line of credit, which is not being included on my Consumer Credit Report. 

a ) When reviewing my XXXX report, I noticed that the {$30000.00} credit limit is not reported or reflected anywhere. nor the payment history of the last 24 months. 

b ) When checking the XXXX credit report, I noticed that the {$30000.00} credit limit is not reported or reflected anywhere. nor the payment history of the last 24 months. 

c ) When checking my Equifax credit report, I noticed that the {$30000.00} credit limit does not appear
Product: Credit reporting or other personal consumer reports

Back in XX/XX/XXXX I asked Flagship to remove the credit account from the my report after a long 2 months battle with Flagship, in one or more of Flagship writing they responded stating they would remove the account but would not returned the vehicle. I have file a small claim lawsuit in XX/XX/XXXX to address who the car belongs to and if it should have been returned. Currently there is no proof that I did business with Flagship also if the dealership made mistakes I should not be the one paying for it on my credit report. I have ask Flagship to remove this many times but still this is showing on my report.
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.
Product: Debt collection

A portion of my medical bill was sent to the California Business Bureau and I reached out to the company to find around {$80.00} dollars in interest fees were charged to my account. I was seeking to have the policy and/or information containing the companies legal right to charge interest on a medical bill sent to me. The Vice President continued to tell me it was her legal right to charge interest. I again asked her to send the policy to me and she continued to talk over me and she appeared very angry that I was asking for what I believe to be my right. I do not feel I was adequately advised as to why I was being charged additional monies on my account.
Product: Debt collection

I have been trying to fix my credit file and during the process I have made several payment arrangements and settlements with various lenders. I am in dire financial hardship, I have had a job loss as well as a bankruptcy and I am also on XXXX XXXX, making all of my wages and earnings exempt from garnishments. However I have managed to pay everything off except for an unknown account in collections which is listed as XXXX XXXX XXXX. 

This debt collector remains to continually harass me and has recently acquired lawyers to attempt to sue me at Rodenburg Law Firm, specifically XXXX XXXX who has signed all paperwork. I have asked repeatedly for information regarding this account as it may have been included in my bankruptcy or it may have been created in fraud. They have repeatedly threatened me by sating that if I request validation, they will sue me. I have even made 3 attempts in the last year to get this paid by settlement and they do not respond. 

Recently they sent a " Summons for Judgement '' in which I responded to right away however they failed to file the case in XXXX County even after it has been over a week since they served me. This is just yet another way that this company continues to intimidate me into paying something which they know I have been disputing now for over a year. 

I also question if this law firm even has a Minnesota Licence to practice in Minnesota. Do they even have any ownership to this debt? All address on this law firm 's website only show a ND address. The alleged credit card " XXXX XXXX XXXX  '' also does not appear anywhere on my credit report either. 

This feels like fraud and looks like fraud and I am confident that it is fraudulent, I have worked with too many collection agencies ( unfortunately ) and they are normally happy to set up pay arrangements or settle accounts -- -This Company only wants to intimidate me and disclose as little as possible, First attachment is confirmation that I have sent letters to this company - who sometimes calls them self Resurgent? -- Letters were sent XX/XX/XXXX - XX/XX/XXXX & XX/XX/XXXX. 
( the letter confirmation to XXXX XXXX is not included in this complaint ) 2nd Attachment -- Copy of the letter I sent. This was basically the same letter sent 3 times, explaining that I do not know what this account is but I am seeking resolution. 

3rd Attachment -- Response that I received ( threatening to Sue me, no validation, no resolution ) 4rth attachment -- Finally the summons of judgement that I was " served '' with even though there has been no case filed in Minnesota
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXXXXXX XXXX {$0.00} - XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX on XX/XX/XXXX is showing 4 times on my Experian credit file for web loan with different PO Boxes and address. I have not applied nor no this company. I have also opt out since XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX opt out of sharing or any promotions and this should not be showing on my credit file. Experian is violating my rights after mailing them an opt out and selling or agreed with XXXX XXXX XXXX I also want to seek damages on Experian for allowing this to happen. I also want damages from XXXX XXXX XXXX there deceptive practices. 
Experian Report # XXXX for XX/XX/XXXX page 14 of 16
Product: Debt collection

Upon carefully examining my credit report, I identified several accounts that are incorrect and appear to have been added without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account SECURITY CREDIT SERVICES Opened Date XX/XX/2018 which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that SECURITY CREDIT SERVICES was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX : {$43000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX, XXXX ( Original Creditor : XXXX TX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1900.00}
Product: Money transfer, virtual currency, or money service

There are three companies involved in this matter. I play games on my phone with XXXX and they have issued 14 refunds to me the refunds were supposed to go to PayPal. Paypal claims they sent them to my XXXX XXXX debit card. its a total of {$480.00}. All 3 companies blame the other companies.
Product: Mortgage

I did a loan modification with PHH Mortgage company. I handled everything with the banks attorneys and the referee basically and our judge XXXX in XXXX XXXX. The modification closed and then PHH Mortgage added over $ 6000in fees over 30 days later. I later learned that they also reported late payments from more than 5 years ago on my credit report. Between the undisclosed fees that were tacked on after closing and the late reporting of 2 late payments /5 years later PHH mortgage company destroyed my credit. My credit dropped over 130 points and I havent recovered yet. I cant buy a free ice cream cone, my credit is destroyed! PHH mortgage says they can do anything they want and add fees to any mortgage they choose
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect items 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, XXXX and TransUnion was XX/XX/XXXX,, 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 items 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 remove immediately : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$4000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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. 

XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

There has been several occasions where the company has miss reported items, or failed to synchronize there systems and ensure that all payment reporting is the same in there system. I had a claim against them back in 2020 for a similar instance. They have reported my account late for XXXX. I have requested payoffs for my account and paid the payoff amount only for them to say I have a remaining balance. I spoke to 3 different representatives yesterday and none are certain why my account was showing I still owed XXXX. I am extremely furious, they have ruined my credit score with there incompetence not once but twice. My score dropped almost XXXX points because of them and I wish them to be punished by the largest scale. They are rude and the branch manager never wants to be bothered. She stated we could not get through to you so we could not discuss the XXXX. Meanwhile you have an address, email and phone number and none were utilized. Has to be the worst company out there and I would warn others to steer clear.
Product: Money transfer, virtual currency, or money service

Coinbase.com owes me {$13000.00}. I show it sitting in my account and yet when I go to withdraw it the company will not allow if you be transferred into my bank account. 

I have sent several follow up emails with no response. They have my name and email XXXX XXXX XXXX Please help me get this money back as I need it desperately for my bills. I think this company may be frauding people.
Product: Student loan

My loans were in school status and had no problems with credit reporting when service updated my credit report as being 180 days pass due which caused a severe drop in my credit score upon correcting this my credit score went up a little bit but not nearly as high as it was prior.

I contacted them and was assured that the credit reporting error would be fixed. While they did fix the issue the score didnt go all the way back up and they did not update their system and nine days later I got a bill says I owed {$880.00} and that my loan was going to go into default. 

This is a huge problem for me because I have requested consolidation of my perkins loans in with my other loans and this could halt the process for me, which will cause further harm. 

Additional I feel that the school is playing games because I have an open lawsuit pending against them.
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 : address fraud on their platform, leaving my, account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that my mortgage company XXXX US Bank XXXX is reporting a 30 day late payment for XX/XX/year>. This is an error and is a violation of FCRA 15USC 1681a and I demand the status of this account to be changed immediately to paid as agreed and the late payment be removed.