23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Hello Im reaching out regarding Regions overdraft policy, Ive called the bank numerous times about this issue, I even tried to opt out of the program, I was under the impression that I was opted out so that third parties couldnt charge my account without the funds being available. Ive tried turning off my card transactions and still theyre still allowing payments to go through even when theres no money in my account.
Product: Debt collection

Last year ( 2015 ) phone calls were constantly terminated to my work phone from XXXX XXXX calling from the Law Offices of XXXX XXXX XXXX XXXX. I contacted the FTC, filed a report on the DO NOT CALL REGISTRY and shortly after the calls stopped. The caller, XXXX XXXX gives no other information and calls from blocked/unavailable phone numbers. Not sure why there is a reason to block the number the call originates from. It 's quite unprofessional and does not lend credence for me to respond to the call. In addition, these same annoying calls have started terminating to my personal cell phone as well. 
I am requesting these calls to stop as NO authorization was ever given by me for the calls to commence in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking relief from the Navient Board of Appeals to remove the 2014 Late Payment status from all ( 3 ) credit bureau reports ( XXXX reports attached ). Please note that my account was in forbearance status prior to, and after the Late Payment status ; forbearance was also granted and retroactive for the same period, which amended the Late Payment status. <P/>Your representatives ( errors & omissions ) assured me the retroactive forbearance would supersede the Late Payment status and would be removed from all credit reports.
Product: Debt collection

XXXX XXXX XXXX contacted me by mail XX/XX/2023. When I received it I had no idea what it was even in regards to. I contacted them telling them it was not my debt. I then sent out two debt validation letters. The company had XXXX XXXX contact me again, she told me I would owe all attorneys fees and court cost and that If I didnt pay I would go to jail. She used abusive language and profanity. I told her I was never even served to go to court or received anything about court. She advised me I didnt need to get that, that I needed to pay them now. She advised me they can call my job and take my paychecks.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the c
redit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Product: Checking or savings account

On XX/XX/2024 I opened and checking account online with fifth third Bank I was approved for the account it then asked how would I like to fund the account so I transferred {$50.00} from an external account for the deposit later that day on XX/XX/XXXX I received an email stating that they would not be able to open my account so that same day I called fifth third Bank and told them that I had already made a deposit to that account what would happen to my money they said that the account would not be opened so the money would not come out of my external bank account this was a lie later on still XX/XX/2024 about XXXX XXXX XXXX XXXX I noticed {$50.00} was missing from my external bank account and went to the fifth third Bank account so I called them that day and requested to get my money back because they said I could not open the account they then told me that I would have to go to a branch to close the account the nearest branch for me is XXXX miles I was told they would send me a check then I was told that they could not send me a check I then spoke with someone else on XX/XX/2024 and was told that if I did not show up to validate the account that it would be closed. Today in the mail I received a bank statement from fifth third Bank with my account number on it showing the {$50.00} deposit thanking me for being a loyal customer I contacted them today which is XX/XX/2024 and was told that the account will be closed I then asked what will happen to my {$50.00} deposit and they explained to me that they would keep it unless I went to a branch like I stated previously the branch is XXXX miles away The account was put on hold due to checking for fraud or some information like that I have made repeated attempts to call this bank speak with supervisors and was just told they will be keeping my money I have proof through emails I have my bank statement sitting right here in front of me that shows the {$50.00} in there when it was taken out and they refused to give me my money
Product: Vehicle loan or lease

Bad Warranty Car Vehicle was bought /signed for the amount of {$8300.00} from used car lot. My name was copied and pasted unto more paperwork stating that I would pay back double that amount. No way would I have signed for that. Within 1 month of purchasing the vehicle the car started acting funny. I took it back to the place and the one who sold me the vehicle no longer worked there. I do know " Lemon Law. '' The North Carolina Lemon Law, also known as the New Motor Vehicles Warranties Act ( N.C.G.S. It requires manufacturers to repair defects that affect the use, value, or safety of a new motor vehicle within the first 24 months or XXXX miles ( whichever comes first ). I was told that the car was sold " AS IS '' but I asked them where was the paperwork saying " As Is ''. I called Credit Acceptance and they said they couldn't do anything about the issue as well. 5 months down the line, the vehicle gave out at work. The car wouldn't start, the wheel wouldn't turn and also the wheel locked up. I called Credit Acceptance right than and there. As you look at my paperwork, how my name is signed, that's not my handwriting. Back in 2016, Credit Acceptance went through XXXX of lawsuit loans. Meaning their loans were bad. Credit Acceptance didn't tell the truth to the investors when loans were given out.
Product: Credit card

I am disputing the collection account with LVNV FUNDING LLC account number XXXX, dated XXXX XXXX with a balance of {$1100.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that LVNV FUNDING LLC provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Debt collection

Source Receivables Management {$830.00} Last date was XX/XX/2021
Product: Debt collection

SEE ATTACHED DOCUMENT : CHARGED OFF, NOW RESLOVED BY FURNISHER A charge off is considered a certificate of indebtedness which means it is income and must be removed. 

I recently came across information related to charged-off amounts and their implications under the Internal Revenue Service ( IRS ) regulations.

According to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. In light of this information, I kindly request XXXX XXXX 's assistance in reviewing the status of the charged-off amount associated with my account. 

Additionally, a cease and desist any and all activities related to the use and disclosure of my consumer information, as allowed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. As a federally protected consumer, I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I may have previously given XXXX XXXX under the provisions of 15 U.S.C. 6802.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Automobile Insurance Company is attempting to price gouge consumers over privately owned property- Individual is not a " high risk driver ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX processed my info to someone who stole my identity and issued an account for XXXX XXXX in Ohio this is identity theft not me. Account opened XX/XX/2023 Amount owed {$690.00} I have called XXXX  XXXX  to file fraud activity.i have frozen my credit with all 3 bureaus XXXX XXXX XXXX XXXX XXXX  XXXX XXXX oh XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



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Product: Debt collection

I have tried numerous times to get validation from this company. I have sent several letters in which they ignored. I have filed complaints through the consumer financial protection bureau. They company just sends a blanket letter stating they didnt receive appropriate documentation and then apologize but do not fix the issue. There are nothing but complaints about this companies tactics, collection attempts, and falsely claimed owed debts yet they continue to refuse to validate appropriately the debt. At this point I have seemed legal representation to take action against this company. They continue to report falsely to my credit report and other customers therefore we will no address them through legal actions. This company should not even be allowed to conduct business with all of their complaints and illegal tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the FCRA I, XXXX XXXX request that XXXX immediately notify Equifax, XXXX, & XXXX of the folllowing : That the bankruptcy items XXXX & XXXX are deleted from my file. And to provide me with a copy of said communication. Under the FCRA and as per XXXX, XXXX XXXX has the right to : - Request that XXXX furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him who has received a XXXX consumer report for employment purposes within the past two years, or received a XXXX consumer report for any other purpose in the past six months ( twelve months for residents of Colorado, Maryland, and New York ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX To Whom It May Concern : The creditor that I am requesting a complete review on was one of several creditors I recently paid in full, and the agreement in place at the time of payment was that the account would be deleted from all pertinent credit reporting agencies. It would be appreciated if the account in question would be deleted immediately, and that my file to be purged accordingly. 

Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion is reporting incorrect information on my report and I have repeatedly requested that they remove it. They are reporting the following incorrect addresses : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint personally. An examination of my credit report revealed late payment entries. I sent correspondence over a month ago regarding this issue, but have received no reply, nor any adequate verification. I seek your help in addressing this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing a copy of my credit report I noticed some accounts being reporting that were opened without my knowledge or consent. I took action by completing a FTC identity theft report and sending it to all three of the major credit bureaus ( XXXX, XXXX, & Equifax ). I also noticed that my personal information being reported was inaccurate which included fraudulent addresses and incorrect date of birth. It has been 30 days and I have yet to hear from the credit bureaus in regards to receiving any verification or correspondence regarding my dispute. I am aware of the Fair Credit Reporting Act and statues 605b, 609, and 611 which has Equifax violated my consumer rights but not providing any verification within the 30 day allotted investigation time. Equifax must remove the four fraudulent accounts in question or face litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to Heights Finance Corporation on XX/XX/XXXX about an unauthorized inquiry on my XXXX credit report from their company. I suspect this is fraud. I asked them to remove the inquiry in addition to forward any documents that showed an application of credit from them. 

The company sent a letter back, dated XX/XX/XXXX, saying the inquiry was as a result of an application from XX/XX/XXXX, which I did not do. They failed to send any documents to support their claim. 

I requested the inquiry to be removed from my credit report and they failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate information on my credit report. I am writing to dispute fraudulent credit Inquiries on my credit report without my consent., nor did I give anyone authorization to do so. I am requesting that these Inquiries are deleted Inquiries : XXXX XXXX XXXX XXXXXXXX -Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - XXXX XXXX -Inquiry date : XX/XX/XXXX XXXX XXXX -Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXnquiry date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a late payment on my credit report from American Express. I've reached out to the creditor to request validation of them sending me my statement 21 days before the due date and they have not responded. I have also reached out to the credit reporting agencies to have late payment removed as I have not given any instructions to furnish this information on my credit profile. It has been months and they have not responded. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC s 1666 B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Consumer Loan

I am currently past due about 67 days on my Auto Loan. The finance company is un willing to work with me to bring it current. I have offered a payment and for them to auto draft another payment on my next payday. They state unless I pay late fee 's plus a payment that is almost {$700.00} ( one payment {$450.00} plus late fee 's on the account ) they will not take a payment from me. This extra amount over XXXX does n't even help me with the next payment. I feel that getting my account current should be more important than late fee 's. Fee 's is something we can worry about once I get the account current. I am trying to bring the account current to the best of my ability but they will not allow me to make my regular payment amount to help bring my account current to aleast take it from 60 something days past due to 30 something and another payment in a week to bring it due for the current month. They state that they do not have to work with me and they can repossess my car at 1 day past due. I have made late payments on the loan but I have not ever broken an arrangement I have made with them. I know that making late payments is n't a good thing but the finance company should be willing to work with me not blocking me from making payments my account is not charged off. They are pushing for me to give the unit back and I want to make the payments and keep it. Now they have been refusing to take a payment for a week now and with this being a simple interest loan the interest accures daily so now they also stand to collect more money in interest. How is this fair to myself ( the consumer )? I as many people live pay check to pay check but I am doing my best to work with them and pay the loan as I agreed to do and they are doing their best to make sure it does n't happen.
Product: Mortgage

I applied for a mortgage refinance from same lender. I have signed up for receiving my documents via email only from the lender for my existing mortgage. Inspite of that lender sent me loan diclosure for refinace through USPS. Now, due to election USPS delivered my package to wrong address. 
People who received my package delivered my package to me but not before they opened it. I can not do anything since per law they claim that they have opened it by mistake. 
And to my surprise, New Rez doesn't even mask PII like SSN on the loan disclosure document.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2022 Balance : {$36000.00}. Please update this accounts.
Product: Credit card

Chase Fraud Department is rude and unresponsive. 

A XXXX XXXX Gift card was purchased fraudulently under coercion.
Product: Credit card or prepaid card

Citi Bank has stated that rewards on their Citi Double Cash Card ( accrual of 1 % rewards for usage and 1 % for payments made to card ) accrues 1 % for all payments made to card. There exists the ability to redeem rewards for statement credit ( which is a payment on the card ) but they sneakily don't accrue 1 % rewards even though it satisfies the 1 % payment action. A cardholder could instead redeem rewards for a direct deposit of $ and then use that $ from their account to pay the card and that would accrue 1 % rewards for a payment to the card. Historically, Citi Bank rep said it did count to accrue points when redeeming for statement credit via phone call to customer service rep. Citi now states all along it has not resulted in accrual of rewards for making a payment on the card via rewards redemption but would count if using the workaround via direct deposit then payment from account. This clearly mislead the consumer and directly results in a negative impact to the consumer 's financial wellbeing, which violates Citi Bank 's fiduciary responsibility to be transparent ( no materials nor warnings were ever provided to consumer ) and creates opportunity for Citi Bank to gain while the consumer loses when using a logical payment strategy of rewards redemption via statement credit versus direct deposit method. I have contact Citi Bank and they aren't compelled to make any adjustment formally despite placating me by saying they agree that's wrong.
Product: Debt collection

On XX/XX/XXXX I sent a cease and desist letter to Western Shamrock Finance in  XXXX, Texas ( I have attached a copy of same ) per the instructions of a debt consolidation company I was conversing with. I later decided against using the consolidation company, so they sent letters to my debtors stating they no longer represented me. 

On XX/XX/XXXX I received another call from the a representative with same company, Western Shamrock. I told her I sent them a cease and desist letter and sent it to them again dated XX/XX/XXXX. I received another call and she stated " I was told to call you and your references every day until we receive a payment ''. I told her that was harassment and they needed to review the letter again and hung up.
Product: Credit reporting or other personal consumer reports

The following information regarding late payments are inaccurate:

BARCLAYS BANK/OLD NAVY  XXXX XXXX