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

This complaint is about the banking app, Albert. XXXX XXXX  is, who runs the specific banking app, and like many others, it advertises the ability to take out instant pay advance as part of the many program incentives that it offers for customers to pick it over many others that are just like it like XXXX, XXXX, XXXX, etc. The specific app, though has me complaining because it offered me a {$40.00} advance based off of its systems income detecting algorithms on XX/XX/2023 which I promptly paid back on XX/XX/XXXX, which was early ( another factor that would allow you to get an higher advance according to their marketing ) but instead because I didnt take the instant {$40.00} offer that was available right after I re-paid the original loan, I logged back into the app later that night, and found that I was no longer eligible for any instant advance. One of the other requirements to get these advances is to pay a fee monthly of {$10.00} to what they called XXXX  genius which is supposed to be real people who help you manage your money, but when I look into that I find out that in order to get any time with a real person you will have to pay a fee anywhere from $ XXXX {$60.00} depending on whether you want an hour or half hour of the time. So there again is another hidden charge that they do not tell you ahead of time but instead after you sign up. Back to what Im originally complaining about. I was eligible for {$40.00} based off of the same income that they tell me now I am no longer eligible with us because they know decided they do not detect the income need to take it before I guess? I have attached the income details reported on the app, which I have not changed since they decided I was eligible the first time, and then decided I wasnt the second time. Ive also attached the conversation I had with their customer service or genius people in which they tell me basically that I am XXXX. The CFPB should look into these apps and really take a deep dive into what they say they offer on the XXXX XXXX compared to what they really end up offering when you sign up with them, theyre all the same when they are eligible the next day or not, they get to decide and they have nobody holding them accountable so they get to do whatever the XXXX they want and I am tired of it. They pray on people like me who have trouble getting a real bank account because of whatever reasons and because of that they take advantage and make sure that they get all the money they want before they follow through with any of their promises, which some and most dont ever do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account XXXX  # XXXX, XXXX & XXXX # XXXX, has violated my rights. 

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 a account without my written instructions. 

15 U.S.C 1666B : 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: Mortgage

Heritage home loans discriminated against me and my families loans and needs. From the very beginning of the loan we always felt like we werent getting fair treatment. They hardly communicated with us, took forever to answer back when they did and they were applying for programs without giving us a heads up or explaining them to us. I had applied with this company for a loan thinking I would get a usda loan and they told me I didnt qualify because income limits so they applied for XXXX XXXX for me which I appreciate, but they never communicated this with me that this was there planor explained to me how it works. So I finally got ahold of XXXX  with my friend XXXX XXXX on a 3 way call ( they work together ) and I was upset because lack of communication. Thats when XXXX let me know very clearly that doing this loan meant nothing to him because he was only making a few XXXX dollars off of my loan. Said he was only doing my loan because I was friends with XXXX 

I told my real estate agent all this and he asked me to get a second opinion on a loan. So I did and I found out that I do qualify for usda and that will save me a lot of money each month. The branch manager XXXX found out about this and contacted me through text and said he was withdrawing my loan. I asked him not to and he told me he doesnt play back and forth games. And told me he didnt have to do my loan. He did this because it was a way out of just doing my loan. It wasnt worth his time. He discriminated against me and my families financial and economical status. Now I am left with no loan on the table and I was suppose to be closing on this house XX/XX/XXXX The company that I found out I qualified for usda didnt have a loan secured for me just yet. It was still in underwriter review and still is. So hopefully I can get it because if I cant Im out all that money on the inspections and earnest money. 

He violated many rules and regulations. And I would like something done about this.
Product: Checking or savings account

I recently went into the branch of Chase Bank and called previously for the account correction and was not successful, yet tried to sign up online and have not been able to do so. I can not keep opening and closing accounts just to do simple online processing purchases. please help solve this matter, Thank you.
Product: Credit reporting or other personal consumer reports

This is my first 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 an alleged fraud or extortion. 
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Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
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 confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 a 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 seven years.

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.
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards.
Product: Credit reporting or other personal consumer reports

All XXXX bureaus are not reporting the same information and that is a violation of the fcra guidelines. 

The accounts are reported as charge offs and they were wrote off from the creditors but the accounts are showing as open with a balance none of the last date actives are accurately reporting either
Product: Credit reporting or other personal consumer reports

Please block information from my credit report within 4 business days, section 605C of the FCRA, 1022.123 section 103 prohibits CRAs ) from including adverse information about trafficking victims in consumer reports.

I am filing this compliant regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX-XXXX cancelled my cable service that is paid via my condo association ( tenant requested to have internet service put in their name and XXXX accommodated without my consent and then erroneously canceled association funded cable service ).. when I called to correct the error on my Acc # XXXX they conducted a hard inquire on my credit on XXXX XXXX 2017 that I never authorized.
. I authorized the same past billing inquiring that was conducted when I initially was provided cable service prior to the erroneous cancellation. XXXX was only to check to see if I had any outstanding unpaid XXXX/XXXX balances with their company not perform a hard inquiry on my credit report on a service that should have nevr been canceled in the first place.
Product: Mortgage

After my last complaint to your govt office, XXXX replied saying that they recognize the mistakenly filed lien they filed with FHA case # XXXX. And submitted a request to HUD on XXXX. I have waited over a month without any news at all about its release. I even contacted HUD directly and they were not able to help. And only sent me the bill of the money incorrectly were told that I owe. 

( I may be mistaken but i believe the mistakenly filed lien is XXXX book number is XXXX pg XXXX in the amount of {$17000.00} ) Please note : there was one lien that was filed correctly and has been paid off.

My request is in regards to the lien that was mistakenly filed by Caliber on XX/XX/XXXX for the amount of {$17000.00} I have been trying to correct this since approx XX/XX/XXXX, my house closed on XX/XX/XXXX. please help
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against LVNV Funding LLC, for committing identity theft. I have never given LVNV Funding LLC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with LVNV Funding, LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving LVNV Funding, LLC any right to collect on this alleged debt. 
I have never received any documentation requesting validation from LVNV Funding, LLC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If LVNV Funding, LLC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until LVNV Funding, LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV Funding, LLC, continues its collection efforts, I will file for litigation for actual damages caused and LVNV Funding, LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

please investigate the bankruptcy it doesnt look correct and shouldnt be on my report
Product: Credit card

This has been a headache since I obtained the card. Making a payment is a big inconvenience and has resulted in unnecessary fees. Now I am trying to reach someone at the company to discuss pay off options and I keep getting the run around. I have spoken with several representatives and NOONE has aided me on my nightmare. After 4 hours of begging for information on how to reach someone I was told they were closed and to call back. I just want to settle my debt and move on but the company 's customer service reps are making this impossible. Tgere is no corporate number or email either for contact.
Product: Debt collection

I XXXX XXXX am stating that Ad Astra Recovery is attempting to collect an alleged debt from me that I do not recognize or acknowledge to owning. I have no knowledge of this account or having a contract with Ad Astra Recovery. I was never given a notice of this debt or that I had a right to dispute it before it was placed on my credit reports. I have asked through the three major credit reports of validation for this account by showing me wet ink, original signed application that I agreed to pay them or any amount. As of yet they have not responded to my requests for those documents. I am requesting full " validation '' of this account as per my FDCPA rights.
Product: Debt collection

on XX/XX/XXXX I had a conversation with representative I informed to him that I no longer wanted to receive phone calls from them that I will contact XXXX and discuss this further with them only. On XX/XX/XXXX called me again then again on XX/XX/XXXX.
Product: Debt collection

The company ( Trident Asset Management ) has failed in multiple occasions to provide me with account validation documents that I have requested. I reviewed my credit report and noticed a collection account for {$720.00} from Trident Asset Management. I sent them a letter for validation of the account on XX/XX/2019 requesting the original signed documents for this alleged account. I received a letter back which was just an bill print out, which is not a legal form of validation. I sent another letter onXX/XX/2019 stating that a printout is not a legal form of validation that the company received on the XX/XX/XXXXand they have not responded at all.
Product: Mortgage

XX/XX/XXXX ; 2020 I refinanced my mortgage that had been with XXXX loan servicing. On XX/XX/XXXX I called there customer service number XXXX inquiring about my escrow refund. I was told it was in the mail. I have called and spoke with a rep 6 times since then, verified correct mailing address, and I am still being told check is in the mail. 
I am a XXXX XXXX patient requesting only what is legally mine! 
I have little doubt that this refund was never put in the mail. I can not even obtain a statement from these people, let alone my refund.
Product: Money transfer, virtual currency, or money service

I was promised tickets and asked to transfer money through XXXX. Since this was on my Wells Fargo app I thought I had protection as a trusted service. I sent {$600.00} and then the person disappeared and I never received my tickets or any other messages. Wells Fargo will not help me. I feel this is unfair as Wells Fargo clearly uses this service with no protection for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is determined to continue to report inaccuracies even after I provide proof of their error time after time. 
Am I correct to state that All credit bureaus receive their information from the same reporting places? 
How can one report not show the account but the other two does?

TransUnion continues to report an account on my credit file which is XXXX I sent them a letter back in XXXX of this year XXXX, stating to them that they were reporting a negative account In error and that XXXX is not reporting that account at all. I provided documentation of such. I also pointed out to them that there were inaccuracies on the account. They went in and corrected their reporting by way of the errors I pointed out in my letter which I also have attached. I have attached the report with the error on it as well as the current report they sent with the correction on it to show the error I pointed out. If the last payment was made in XX/XX/XXXX, how was the account in good/current status on XX/XX/XXXX? They did not provide me any documentation showing who provided that information to them. They did not provide me a signed contract bearing my name to show that account belong to me. I have asked for this information numerous times and all they do is reply back that the account is verified as accurate and has been updated If they do not provide me with the proper means of verification with your help, I will file a complaint with the Federal Trade Commission ( FTC ). 
That same statement of verified as accurate and account updated but no documentation or proof of who verified will no longer be accepted when I have pointed out their error in reporting numerous times. Please ensure that this account gets actually investigated properly. 
Thank you
Product: Credit card or prepaid card

On XX/XX/XXXX, I was making a purchase from Cabelas on-line. A pop-up suggested I apply for the Cabelas branded card, which I did. 

Last week, when checking my credit report for another purpose, I was reminded of the application. I then discovered it was through Capital One. I called and was told I had been mailed a letter and they would not talk to me until I had it in my hand. I told them I had not received the letter and they said it would be remailed. My wife received the letter late last week while I was on business and she texted it to me. 

I called again and they refused to speak to me. After I made it clear that I am a bank officer and know the process, they finally told me that a decision had been made on XX/XX/XXXX to deny credit based on an incomplete application. I was never notified of an incomplete or unverifiable application and after I told them they were violating the law, including the FCRA, they asked me to call and speak to a supervisor named XXXX. I called the following day and they refused to let me talk to him. I received a voice mail from him later that day when it was too late to call back. 

Called back this XXXX - XXXX ( a month after application ) and they are refusing to talk to me. They can't tell me what the issue is and I feel like I'm being discriminated against. They've made the credit inquiry so it's also reflecting poorly on my credit report. 

I think there is a chance they were supposed to call me because of a credit alert on my account and they simply did not want to take the time to do so. This would, of course, be discriminating against me for protecting my credit data and would be against the law. 

This is fraud and discrimination pure and simple.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request credit reporting agencies to verify/validate items by disclosure of documents and method for accounts being placed to my credit - according to 611 ( a ) ( 7 ), 609 ( a ) ( 1 ) ( A ) & 611a ( 1 ) ( A ). These steps are required by them to ensure it is correct prior to placement to my file or delete the unverified accounts after 30 days of investigation per 611 ( a ) ( 5 ) ( A ), ( first letter dated XX/XX/18, 2nd letter sent XX/XX/18 ). Response ( s ) have been no response, updated, meet FCRA, and account closed, but still remain on my file without any documentation being provided as to the validation of any of the accounts being there. I have been requested by the CRA to provide information to them, ( assuming to verify/validate ) under 1681 ( a ) ( 3 ) it is the vital responsibility of the CRA to ensure the information is correct by the providing source, as they have attempted to place it back on me. One has stated it requires an extension after the initial request date was XX/XX/18, the extension date is until XX/XX/2018, which is longer than the 15 day permitted timeline, I received this update notice XX/XX/2018. No addition information was provided by me during the initial 30 days ( XX/XX/18 - XX/XX/18 ) to warrant an extension according to 611- ( a ) ( 1 ) ( B and C ) this is required, another violation.

I have response documentation, the certified dated documented delivery receipt ( s ) and copies of letter ( s ) mailed, I am unable to upload, but can supply them upon request by fax, or mail.