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

XXXX is reporting incorrect information and there is no one who can assist in the matter. 

I disputed the information a number of times online yet it keeps coming back incorrectly. 

Have called XXXX  a number of times but they dont have any customer service agents available. 

Had a lease with Ally Bank Returned the car to the dealership when the lease was up in perfect condition. 

Someone at the XXXX XXXX XXXX at XXXX XXXX, CA, damaged the vehicle, Ally bank sent a letter to me for damages. Reached out to the dealership to address multiple times, they would not do anything, nor did they send me a video of who caused the damage. 

I paid Ally in full the amount owed- the damage caused after the vehicle was turned in Account keeps showing as not paid in full
Product: Credit reporting or other personal consumer reports

Dear CFPB, I hope this letter finds you well. I am writing to request your assistance in resolving an issue with my payment and a 30-day late payment on my account with Credit Acceptance . I have already contacted all three credit bureaus ( XXXX, XXXX and XXXX ) and tried to resolve this matter directly with Credit Acceptance, but unfortunately, they do not seem to care about their customers and have not accepted my goodwill letter, all the evidence etc. 

Previously, I have never had any issues with my credit obligations, and I have always made payments on time. However, before my departure to the XXXXXXXX XXXX XXXX XXXX  on XX/XX/year>, I spoke with a representative from Credit Acceptance and explained that, since I would not have access to a phone, I would like to either freeze my payments or find another way to ensure my non-payment does not affect my credit score. I was unsure if I would have access to a phone or bank for 4 months. As a result, their representative suggested setting up an installment agreement of {$50.00} per month and assured me that it would not impact my credit score.

Despite this arrangement, Credit Acceptance still reported a late payment on my credit report, which has negatively affected my credit score and financial well-being. 

As a service member, I am protected under the XXXXXXXX XXXX XXXX  XXXX XXXX ( XXXX ), which grants certain rights and protections. Unfortunately, during my XXXX XXXX XXXX I did not have access to the necessary resources to make payments on time. 

I kindly request that you help me, and Credit Acceptance updated XXXX payment as " ON TIME PAID AS AGREED ''. I hope for your understanding and assistance in this matter. 

I am dedicated to ensuring that my financial responsibilities are met promptly moving forward, and I appreciate your consideration and assistance in resolving this matter. 

Attached to this letter are my XXXX XXXX and my social security number. Thank you for your attention to this urgent matter. Please keep me informed about the progress of your investigation. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

With my Kroger Rewards Master card issued by US Bank, I make sure that I have auto payment mode turned on. I made a payment on this card earlier than the scheduled payment. Now, still they are deducting my payment for this month even though I turned the auto payment option off. This us the second time this particular incident happened. The payment will go through and deducted from my checking account and that messes up our budget. We are only on Social Security for our fixed income and something like this greatly affects us. Now we have to borrow to cover up for this Card 's gross mistake. It takes them somewhere from 7 to 10 business to refund me. I have other credit cards and when I pay my required payment even before the due date, it's considered as having made and satisfied my monthly obligation. I'll have to call them up again and probably wait for up to 10 days to get my refund. Please help.
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 ( 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.

XXXX
Product: Payday loan, title loan, or personal loan

I purchased two chairs from XXXX in XXXX, VA on XX/XX/XXXX. The total purchase price was {$4900.00}. I put down a deposit of {$1500.00} leaving a balance of {$3300.00}. XXXX offered a 0 % loan for the balance through Synchrony Financial. Here is where the problem starts. I thought the term was for 3 years. It turned out it was for 1 year. I was confused as Synchrony was sending me an invoice for {$110.00} every month and I know that would pay off the balance inside of 3 years so I mistakenly thought I was covered. 

Coincidentally I called Synchrony on XX/XX/XXXX to get a pay off amount and after a lot of holding the phone line they were not able to provide either my payoff or how much I paid them to date. I again called Synchrony on XX/XX/XXXX and got the same runaround but this time they agreed to send me a report in the mail. I received the report last week which consisted of approximately 40 pages of credit card statements which I had never received any of these originally. From these statements I learned my term was 12 months and that on XX/XX/XXXX they charged me {$990.00} in interest. I was shocked! 

I called Synchrony on Monday XX/XX/XXXX to let them know that I thought the term was 12 months. I also mentioned to them I tried to obtain payoff data twice the last two months and could due to their ineptitude or intentional questionable business practices. They basically told me to tough luck! 

Ive taken out countless loans over the years and have outstanding credit. I have never dealt with a financial institution like this. I reached out to XXXX because I was under the impression they were a credible company but their position is that the issue is between Synchrony and me. I intend to inform the XXXX  regarding this relationship and business practice. 

My position is that Synchrony is a predator outfit that is acting like a loan shark. 

I take responsibility for not paying closer attention to the details of this loan but Ive offered Synchrony to pay off the remaining amount which is {$1700.00} with a late fee but they were not interested.
Product: Credit reporting or other personal consumer reports

Im filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly, with the reporing agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX all report charge off on my credit report and I never received a 1099c from either 4 accounts I disputed with Experian, TransUnion, Equifax, however they did not complete a through investigation my dispute came back as validated however they are still violating code 15 USC 1681 ( i ) which requires reporting agencies to conduct reasonable reinvestigation of disputed items, 15 USC 1681i ( a ) ( 5 ) any information found inaccurate, incomplete, unverifiable must be deleted or corrected. These credit Bureaus have not attempted to remove, nor correct any information. I'm requesting these Accounts be removed or corrected immediately as it's affecting my chances of getting a house. All three Bureaus are violating my rights as a consumer, as well as federal laws
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2018 I had my credit report run for a rental application. Equifax stated that I have too many accounts open and the balances on those accounts are TOO HIGH. 

However when I called equifax they agreed that I only have 2 open accounts with low to no balances. They were not sure why they reported that I have Too Many open accounts with High Balances on them. It was a very hard and long process to talk to them, they asked rediculous security questions ( if I have paid off my account in full, what would be the balance? XXXX Dollars. That is correct, you have passed the security tests only there were several questions like that ). I also tried to submit a dispute on their website but their site had several problems to which they told me that they are having technical difficulties with their website. The person on the line was difficult to understand and was unreasonable. I was told that companies are running soft inquiries on me, without my knowledge or consent and it is up to me to contact all of these unknown companies and ask them to submit letters asking equifax to remove their information. This is impossible. ( Just paraphrasing the conversation I had on the phone with Equifax ). On the phone they agreed that I do not have multiple open accounts with high balances, However this is the information that Equifax provides in the report. They suggested that I contact the company that ran the report and tell them to stop reporting wrong information ( when in fact it is equifax that is reporting the wrong information not XXXX XXXX in XXXX XXXX CA ).
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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 XXXX 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 those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX XXXX XXXX  do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent tXXXX XXXX XXXX XXXX Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this titleXXXX XXXX XXXX XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Student loan

I had private loans through Navient, which I recently consolidated through XXXX XXXX XXXX XXXX ( XXXX XXXX ). XXXX XXXX  uses Navient as their servicer, so I am still working with Navient who originally held the loans. XXXX XXXX submitted payment to Navient to payoff/consolidate my loans in XXXX of 2017, and my repayments to XXXX XXXX, serviced through Navient, began on XXXX/XXXX/17. The XXXX XXXX loan is ID XXXX. After my new payments began with XXXX XXXX I noticed that I still had balances on my loans originally held by Navient. Navient did not XXXX out my accounts and transfer the balances to XXXX XXXX. I notified Navient of this issue on or around XXXX XXXX, 2017. I was told that the XXXX remaining balances, account ID XXXX and account ID XXXX, which showed about {$300.00} remaining, would XXXX out in about a month. I was provided ample assurances that everything was fine. I waited. After the given deadline I reviewed my account and found that Navient did not resolve the issue. Once again, on or around XXXX XXXX, 2017, I called Navient and informed them of the issue. The representative I spoke with reviewed my account and said that the account will definitely be resolved by XXXX XXXX, 2017. I was told that it takes 90 days to completely XXXX out accounts, and the accounts would be resolved by this date. That date came and went, and I am still stuck with balances on my account that should have been consolidated with the rest of my loans. These loans are also accruing interest, so my balances are continuing to increase. Navient has repeatedly lied to me about my account status, while they profit from the accruing loan balance. On every call I have made they refuse to do anything to resolve my issues besides tell me to wait. I am tired of being lied to by this company. This is an unfair practice : it causes injury to me, the consumer ; I can not reasonably avoid the injury since Navient is holding the account and their representatives have not assisted me in resolving the issue ; and there is no countervailing benefit. Alternatively, this is a deceptive practice : Navient 's representatives purposefully mislead me by telling me that the accounts would be resolved within 90 days ; my interpretation is reasonable since they gave me specific deadlines as to when the accounts would be resolved, on two different occasions ; and this misrepresentation is material since I continue to accrue interest on these open accounts. Additionally, I continue to receive monthly bills for these two accounts despite the fact that I have no payment due and they are " going to be resolved ''. I have attached a copy of my monthly bills for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of credit reporting and customer service wouldnt take care of my problem section 6-11 of fair credit report act. 
I Want my credit inquiries removed because I was not notify that this inquiries were being put back on my report.
Product: Debt collection

1 ) I disputed XXXX 's {$600.00} bill in letters via a ) Sequium Asset Solutions LLC dated XX/XX/2019, answering their billing dated XX/XX/2019 ; & another collection agency b ) XXXX XXXXXXXX, XXXX dated XX/XX/2019, answering their billing dated XX/XX/2019. 
COMPLAINT : XXXX began porting over phone service XX/XX/2019 and completion date was delayed XX/XX/2019 because XXXX failed to assist me with unlocking the phone numbers associated with my PIN, which I could not remember causing a delay in porting services by XXXX. For that reason, XXXX knew I was cancelling service which was stated in a brief conversation with a female representative verifying service cycles that had just ended from XX/XX/2019 to XX/XX/2019, which I paid iao {$260.00} on XX/XX/2019. The new cycle began from XX/XX/2019 to XX/XX/2019. I also spoke with XXXX from XXXX just to verify that I no longer had service with them and owe nothing at that point, to which XXXX agreed. So, I was quite surprised to receive a XXXX bill via two different collection agencies. I would submit that nine days of service may be appropriate for billing by XXXX, which would be 9 days divided by {$260.00} being about {$29.00}. I then asked XXXX to investigate twice to which they sided with XXXX with no other explanation. I want to receive recordings of my calls to XXXX during the periods indicated above to support my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  sent two letters to Transunion to Remove the following accounts. 
XXXX XXXX balance of XXXX account was to be deleted immediately by all Credit companies as they are no longer collecting or pursing. 
XXXX XXXX balance of XXXX. 
These two accounts are in direct violation of my fcra rights I have two letters from the bank ordering the bureaus to delete this erroneous information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day. I am reporting the credit bureaus XXXX, XXXX, Equifax about the Student loan reported on my credit report : They have not followed the laws/CFRs Family Educational Privacy Act XXXX Privacy Act of XXXX 16 CFR 433.1-Definition. I am the consumer. Money purchase loan NOT a Educational loan 16 CFR 433.2- I am able to assert my rights at ANY time. 
16 CFR 433.3- Who is exempt? Consumer application was done after XXXX, it applies. 


DPT EDXXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Educational Educational Educational Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$3100.00} {$3100.00} {$3100.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$3000.00} {$3000.00} {$3000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees. 
Consumer disputes after resolution Student loan Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX BELOW attached are the additional accounts I requested they remove immediately
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX have not fulfilled their responsibilities under the Fair Credit Reporting Act ( FCRA ) to perform a thorough reinvestigation of disputed information on credit reports, resulting in the persistence of inaccurate and unverified account details. Recently, the Consumer Financial Protection Bureau ( CFPB ) initiated legal action against XXXX, citing systemic failures such as neglecting to relay consumer-submitted evidence to data furnishers, accepting unreliable responses, and inadequately informing consumers about the outcomes of their disputes. These shortcomings resonate with my own experiences, where XXXX, Equifax, and XXXX have failed to rectify or eliminate disputed items despite the evidence I provided, which has adversely affected my credit standing. I am seeking immediate corrective measures to either remove or amend the disputed accounts, as XXXXXXXX XXXX inaction constitutes a violation of federal law and infringes upon my rights as a consumer.
Product: Checking or savings account

Bank of America closed my account because i submitted a check with my fathers name on it, the check was to pay rent. The bank immediately called and told me that i wasnt supposed to do that and i thought i was given a warning. that same day my account was closed. I believe this is unfair. Bank of america isnt letting me access a new bank account.
Product: Checking or savings account

I deposited {$1800.00} cash at the Wells Fargo ( XXXX XXXX XXXX XXXX ) on XX/XX/year> @ about XXXX. It never showed up in my account. It also binged on phone when it went in and then seemed to disappear. I contacted the bank, they made a claim and stating now that they have no record of the transaction. Also made a police report. So far I have not received any help from Wells Fargo, just the run around. Any help would be appreciated. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX  report both me and my wife delinquent for the month of XXXX. I reached out to them and asked that they issue a retraction to all 30 major credit reporting agencies. 

On XX/XX/XXXX I received an email from Experian stating that they have completed their investigation and sided with XXXX based on their recommendation not to change the status.. I tried to explain that the month of XXXX isn't completed and that they can not stated that I am 30 days delinquent. I was then told that there's nothing more I can do. 

XXXX is a subsidiary of XXXX XXXX. They have been previously sued for this same thing/ Misdated demand letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent in my letters i called and spoke to someone,, yet my personal info is still inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in XXXX this year, I noticed several errors and omissions on my XXXX credit report from Affirm. I sent XXXX a dispute based on the errors I seen. After 45 days, I checked my XXXX credit report again to notice that no action was taken on my dispute. The credit report wasn't even marked as disputed. I know XXXX received my dispute because the credit bureaus send disputes via XXXX to the furnisher of the information. I sent another detailed dispute to both XXXX and Affirm directly. This time, Affirm sent a response saying their information was submitted accurately. After another 45 days, I checked my credit report again only to see that no action was taken on my dispute, but this time it was marked as in dispute. I decided to seek professional help. In XXXX, I filed for XXXX against Affirm. They still assert their credit reporting is accurate even though it is not accurate, and months of data is missing. They hired an attorney who claims that the missing information is because of XXXX. I know that is a bunch of hogwash because if that were the case, THOUSANDS would be suing Affirm right now because of damaged credit reports. It is now XXXX, and no action has been taken by Affirm to resolve this matter. Nor Affirm or their attorney have communicated with my authorized representative in weeks. I wanted to make the CFPB aware of Affirm 's actions before I proceed with Arbitration against them, and give them one last opportunity to make this right.