23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I purchased a computer through XXXX Computers in XXXX and they pushed me to purchase the computer through Duvera Financial who was doing business as EasyPay Finance. They told me that the loan would be for 90 days and the installments would be finished within the 90 days. I recently found out that this was a lie and I am now being charged 189 % interest on my original loan. I received a contract that I had never seen or signed, but was digitally signed. Also my address on the contract is incorrect. Because of the incorrect address, which I assume was entered by the store clerk as I have never lived at that address, I had a terribly difficult time accessing my file within EasyPay Finance.
Product: Credit reporting, credit repair services, or other personal consumer reports

i reached out to XXXX AND XXXX ABOUT THESE COLLECTION ACCOUNT THAT DOESNT BELONG TO ME AND THEY ARE STILL ON MY CREDIT REPORT AND ALSO THE FRAUDULENT INQUIRIES I WANT THEM REMOVED ASAP
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. The following accounts are in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need this accounts removed due to the rules of estoppel. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

mariner finance of VA, LLC Keep me coming back to court claim I old payments, trying to get a judgment, I went to court on XXXX XX/XX/XXXX Mariner claimed l old money, my payment is do no XX/XX/XXXX XXXX all my payment are up to date, mariner finance have ME coming back to court on XX/XX/XXXX, out of retaliation I BECAUSE WILL not refinance my loan, I WILL NOT GIVE MY NEW BANKING INFORMATION,
Product: Credit reporting 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. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

Improper reporting on my credit report that are not true
Product: Credit card

In XXXX, I was issued a XXXX from Chase Bank for a debt they cancelled. I have contacted all three credit bureaus to have the information updated but Chase has not updated my balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # ending in XXXX for XXXX  XXXX, Acct # starting in XXXX for XXXX XXXX, Acct # starting in XXXX XXXX XXXX, Acct name 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.
Product: Credit reporting or other personal consumer reports

On the morning of XX/XX/XXXX, I received several alerts that there were hard inquiries on my credit reports. I did not apply for any credit on XX/XX/XXXX, or any other time recently. I created accounts online with all three credit bureaus and froze my credit. I was able to start a dispute of the incorrect inquiries with XXXX, but XXXX said I needed to submit a letter to them from the financial institutions that made the inquiries, while Experian said that I would not be able to dispute the transaction, and that my only recourse would be to contact the financial institutions that made the inquiries to ask them to remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The fraudulent information listed below is showing on my credit report is not mine. 

Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2023 Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX ) XXXX
Product: Checking or savings account

I received a letter in the mail from Synovus bank in XX/XX/2023 stating my account was overdrawn by {$4000.00}. The letter was dated XX/XX/2023. I had never heard of this bank nor received anything in the mail prior to this. I did not open this account. I called the bank multiple times trying to get information and to tell them it was opened fraudulently. They would put me on hold until the call disconnected. They would not give me any information and would not let me speak to the fraud department. I was told the fraud department does not take inbound calls. The only thing they told me was that the account was opened online in XX/XX/2023, and they were closing the account right then as they were speaking to me. They said I needed a police report and then I could drive to the nearest branch and request the information. After I called them, I received a letter in the mail that was backdated to XX/XX/2023, before I called them and backdated seven days before the first letter I received from them ( the overdraft letter ), stating the account was closed. This isn't even possible since the account was still open when I received the overdraft letter and when I called them to report the fraud. 

I filed an incident report with the police and went to the nearest Synovus branch. They would not tell me if my drivers license was used, why the account was allowed to overdraft by so much, and they would not provide a letter of account closure stating I was not liable since it was opened fraudulently. They would not provide bank statements. They said they could not see any information on the account and were unable to give me any further information. I was still unable to speak with the fraud department. They gave me nothing but an identity theft information sheet. In this printout it states that I have the right to obtain the documents relating to the fraudulent account however they would not and did not provide these documents.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( Block , inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ) .specifically, cashapp failed to take timely effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.furthermore, their dispute resolution process is unfair deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E these actions have caused significant inconvenience and financial loss and I seek appropriate redress.for those violations
Product: Debt collection

I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally * Signed HIPAA form This is a form of HIPAA violation. 
If they are saying it is verified then where's my proof? What methods are you using to verify?
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file 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 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 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 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 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Student loan

My credit report has an entry of my being delinquent on my student loans when I have proof of payment. I am currently unemployed and have been turned down for a job because of the credit issue. I am unable to find employment until this is resolved.
Product: Credit card

On XX/XX/2024 at around XXXX, I went to check out on the XXXX XXXX website to purchase a flight to XXXX. While in checkout I received a promotional advertisement to lower the cost of the flight i was checking out with by {$400.00} if I applied for the XXXX  Citi Card. ( see screenshots : Promotional Banner, Promotional Checkout ) I applied, and immediately received an approval e-mail that had the last four digits of my account on it but not any way to apply it to the checkout ( See PDF Instant XXXX you're approved ). 

I called XXXX XXXX and they said it was a Citi issue, and they would probably issue me a temporary card I could use to check out with ( and that would come in 24-48hours ) I called Citi and they said the promotion only works once the card is received in 7-10 business days. I asked if they could give me my temporary card, and they said that would have a limit of {$500.00} on it and would not count towards the promotional credit. I asked if they could give me my full account number, and they said they could not because it was just created and will take 7-10 business days to complete. Citi told me the best option was to wait for the credit card to come in the mail in 7-10 business days and then buy the flight. 

The next day, the flight had increased to {$910.00}, so I paid XXXX XXXX {$30.00} to hold the booking, to see if the card came in time to receive the promotion. In 7-10 business days the flight was never the same price as the advertised promotion I applied for. 

Having the promotion at checkout and advertising that applying for the card will save me money on the current flight is false. The terms and conditions when applying say in the {$400.00} statement credit promotion ( See Screenshot XXXXStatement ) : " If instantly authorized, credit cardmembers will receive temporary account information and a temporary minimum credit limit. This temporary account information can be used during payment for the current eligible XXXX XXXX purchases at time of checkout to receive the statement credit. " I was instantly authorized. I did not receive the temp account info and I could not use it during payment for the current eligible XXXX XXXX purchases at time of checkout. This is false advertising. 

While I submitted a complaint, the company responded that with I should've received the temporary card/account number that would've allowed me to checkout with the promotion. In the days I have waited, I have not received a temporary number. And as in the instant e-mail, it was not provided in the Instant Approval e-mail to secure the promotional price at checkout that was advertised. Attached is also the company response to the first complaint where they said I should've been given a temporary number ( See Citi Response )
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn to! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Credit reporting or other personal consumer reports

Ive asked them multiple times to validate the debts theyre claiming I owe. They refuse to respond.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXXXXXX  SS # : XXXX Experian, XXXX XXXX XXXX, XXXX, TX XXXX. XX/XX/XXXX RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. ( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 1. This inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 2. This inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 3. This inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 3. This inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 4. This inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ). Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$540000.00} XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Student loan

XX/XX/XXXX-XX/XX/XXXX ( XXXX university ) & XX/XX/XXXX-XX/XX/XXXX ( XXXX University ) Loans have been transferred several times to different servicing company. Loan amount continue to get higher, currently {$150000.00}! 

Navient processing are the loan services right now and fail to communicate with me in a manner that I understand.
Product: Credit card or prepaid card

This card ( image attached ) has {$500.00} deposited, but Netspend puts all possible obstacles so that it can not be activated ; that's their business model. We just want to activate the card and use it. 

My nephew called to activate the card and was asked for a social security number ; since he is not a citizen, he asked me to activate it for him, but Netspend told me that I could not do it because they already had my nephew 's name. 

There is no way to activate the card online, because it's locked, so they ask you to call and when you do you get all kinds of excuses not to activate the card, like the USA PATRIOT Act, etc. 
The question is : what information does Netspend need - mine or my nephew 's - to activate the card and where can that information be sent? We DO NOT need more phone calls... we have called multiple times, but agents give us the runaround so that we can not activate the card and allow Netspend to keep the money. 

I hope you can help us activate the card.
Product: Debt collection

This account is one that I have been fighting with XXXX XXXX college for sometime now. It is from Classes that their counselor enrolled me on for fall XXXX after I told them that my financial situation has changed and I will have to work instead of going to school. The counselor put through the online enrollment despite me telling her not to leaving me with a bill for the classes. I had sent in petitions and letters to the school informing them of the error but each time their financial department pretended that they received nothing and then proceeded with sending me to collections. 

I tried to explain to them numerous times that had I intended on enrolling these classes I would have filled out a BOGG waiver as I had done for every other semester. The fact that I out of nowhere stopped filling out financial aide when I am a single mother of two should have been enough for the financial department to at least investigate and work with me on a solution but they just kept ignoring me. 

The first letter I received from Conserve, XXXX XXXX XXXX, was in XX/XX/XXXX It was the typical letter giving me 30 days to dispute before it hit my credit. I sent in my letter of dispute explaining this situation and informed them I would like any further contact via written letter so that I can keep it for my records since the college kept trying to dodge me and I was left with no proof. They never responded. I waited the 30 days as allotted by law and when I didn't hear from them and when they did not respond I relaxed figuring that they had removed the account due to my dispute. However, they did not. They ignored my dispute, waited a few months ( maybe hoping I would forget that I sent in a dispute letter within the legal amount of time? ) then reported the account to Credit Agencies for {$180.00}. 

I disputed this account back and XXXX and they did not report on my Credit report until XXXX. 

I started receiving several phone calls with from XXXX and have ignored all of them due to my request for all info to be in writing. 

I disputed VIA my credit report as soon as I saw it and they finally responded in the mail. But what they sent me was only proof that the counselor had enrolled me online and that I had applied in school in general. They did not acknowledge that they did not respond to me original dispute and proceeded to illegally ignore it and report me to credit anyway. They also marked this dispute as resolved and the dispute is not resolved. 

I am reporting the agency for reporting to credit while ignoring my legal right to written dispute. As well as harassing me via phone after being requested that there be no phone calls.
Product: Checking or savings account

I received a notice on XXXX/XXXX/2019 that my 13 month CD account auto renewed for 13 months. 

I was never notified that the account was going to roll over, and it was never made apparent to me at account opening that the account was on an auto renewal. 

I spoke w Synchrony on XX/XX/2019 as soon as I received this notice that the account auto renewed. Synchrony is insisting I must pay a {$500.00} penalty to close the account. 

Synchrony claims they sent a notice of auto renewal on XXXX/XXXX/0219. This notice was never received. This money is badly needed for some immediate expenses that were planned with the expectation of this money for many months in advance. There is no scenario in which I wouldve wanted these funds to rollover, I fully expected the funds to be returned at maturity of the 13 month CD.
Product: Debt collection

CREDIT MGMT is claiming that I owe them {$86.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Debt collection

I noticed a debt popped up on my credit report so i went to locate the crediting company to contact them and when i contacted them i was being screamed at by collection agency procollect in XXXX XXXX XXXX. # XXXX XXXX, texas. XXXX saying i owe a debt but wasnt explaining the debt of where i owed from just saying has has my number now and would be calling everyday. Im unaware of this debt and Ive been a victim of identity theft several times and need help.