23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I contacted Mariner Finance via phone in their XXXX, OH office at XXXX. I spoke with Branch Manager XXXX XXXX who took the initial application and ran my credit report. After pulling my credit report she then interrogates me like a detective to ask why this debt was in collections or why this debt was charged off, etc. When you offer a valid explanation, they do n't think its a good explanation and they keep criticizing you like they are much better then you. The problem is to that when they pull your credit report not all the information they obtain is accurate and you should n't have to explain yourself to them, its as if almost they do n't believe you and think your lying. I have proof to back my stuff up. Well, anyhow I called Mariner on XX/XX/XXXX to get the status of my application and I was advised it was denied. Why was I denied I asked, I was told it was denied because of the past delinquent credit obligations and I WAS ALSO DENIED DUE TO PREVIOUS JUDGEMENTS THAT WERE FOUND ON PREVIOUS APPLICATIONS AND CREDIT REPORT. HOWEVER, ALL MY JUDGEMENTS HAVE BEEN SATISFIED AND HAVE BEEN REMOVED FROM MY CREDIT REPORT. When my credit was ran on XX/XX/XXXX, there were no judgements reporting. However, XXXX XXXX advised that a previous credit report was used to determine my credit worthiness and found several judgements on a previous application. How is it legal for a company to use an outdated and erroneous credit report? I spoke with XXXX from the XXXX, OH Mariner Finance office on XX/XX/XXXX and questioned him with, how can you use false information from a previous credit report that is not current, and not up to date, XXXX never answered the question. He avoided the question by all costs. I have applied with 2 other financial institutions outside of Mariner Finance and have had a positive experience and was even approved for a non-collateral loan. Mariner is a subprime lender only looking to loan to Excellent Credit candidates. What I mean by that is, they want to rip off candidates with high credit scores. Mariner Finance needs to accept they are a subprime lender and not a prime lender.
Product: Credit reporting or other personal consumer reports

attached is the CERTIFIED MAIL FROM XXXX XXXX. Equifax is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XXXX XXXX options Account # XXXX XXXXXXXX XXXX XXXXpen optionsAccount # XXXX Open options Account # XXXXXXXX XXXX XXXX XXXX Open options Account # : XXXXXXXX XXXX XXXX.Open optionsAccount # : XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  XXXX XXXX options Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXOpen options Account # XXXX XXXX  XXXX Open optionsAccount # XXXXXXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX XXXX XXXX Open options Account # XXXX XXXXXXXX XXXX XXXXXXXX XXXX Open options Account # XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX options Account # XXXX XXXX XXXX XXXX XXXX  Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX, XXXX. 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have request XXXX and Experian by phone / fax and letters to up date my personal information. 

The Creditor XXXX never sent Validation of Debt ( {$130.00}, {$440.00}, {$3100.00} I request this information since XX/XX/2018 With no response XXXX deleted all all information which shows me that Experian and XXXX   failed me as a Customer. XXXX and Experian has a balance on my Credit from XXXX XXXX that show a Balance of {$880.00} witch is paid in full. Therefore I was denied Credit.
Product: Mortgage

I have a morgage with Mr.Copper in XXXX of XXXX my husband XXXX from the XXXX. I then called Mr.Copper to ask for a forbearance they put me on it. I couldent make my payments for XXXX and XXXX. I then started to give them payments on XXXX and ask them to take me of the forbearance. They then said the would and started to send me paper work on how I would be able and that meant to put my payments on to the end of my mortgage and take a HUD adjustment I called them and told them I was not interested to do. They then told me that I was behind XXXX through XXXX. and had acured now interest on my payments cause I did not give my hole monthly payments. I started to give XXXX in XXXX and XXXX. in XXXX I called and finally I seen the amount I was to give of XXXX and I did. I was told then that if I gave XXXX for 3 months I would be ok. They said also that I was behind only XXXX. Today and I was left still on the forberance and gave my payment of XXXX that they said to give XX/XX/XXXX. they told me also that I didnt have to give payment cause it would do no good. But I did and told them I was told last time to do so and this would make me get back on track they then said it would not benefit me in anyway. I would really like to find out what is really going on cause this to much and for them to get me off the forberance that I have told many times to do and havent still and wish for them to show what is really my monthly payment and let me get back on track.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this problem over and over but once XXXX XXXX XXXX send info to CFPB or the credit bureaus it is taken as accurate instead of looked at and investigated. So once again I ask CFPB to investigate the reporting of my account to the 3 credit bureaus by XXXX. My account is being reported as 30 days late when my payments to the fall between 1-29 days late. Example : My XX/XX/2021 payment was made on XX/XX/2021 which would make it 5 days late. XXXX  reported my account as 33 days late to the credit bureaus. My XX/XX/2021 payment was current and paid on XX/XX/2021 so my account was current. XX/XX/2021 would have made my account 33 days late if I hadn't made the payment on XX/XX/2021 or anytime before XX/XX/XXXX but my account was reported to the credit bureaus before that time which makes it fraudulently reported. The Fair Credit reporting act states that an account can only be reported to the credit bureaus 30 days after the due date. My due date each month is on the XXXX of each month. XX/XX/2021 is 5 days not 33 days late. I called XXXX  and tried to get answers as to why their reporting and accuracy of my account is so different from when I made payments and my bank statements and again the answers that I got was all over the place. I spoke to two different employees one of which was a supervisor XXXX whom I ask about reversals of payments that were made. None of my payments have been reversed or unpaid by my banks. I pay with a debit card every payment and if there is no available funds the payment will not even submit to XXXX. I was told that I had made payments by giving my checking account info, never and the last four of the checking account that he gave me isn't associated with me or any of the XXXX bank accounts that I have made payments thru. Again I have NEVER made a payment to XXXX  using checking account information. I have always paid with a debit or credit card. XXXX has also charged a NSF fee to my account when none of my payments has ever been denied or returned. This entire conversation was recorded by myself and supposedly by XXXX and yes I informed both employees before during and after the conversation that they were being recorded, both said ok. XX/XX/2021 is just one of 19 times that XXXX has reported my account 30 days late when it wasn't. I don't understand their calculations of days but the FCRA and federal government makes it clear that reporting is 30 days after the due date not 30 days from your last on time payment!
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Agencies, I am writing to bring to your immediate attention a critical issue regarding my credit report that has been causing me significant distress. An account from XXXX XXXX XXXX has been reported fraudulently, linked to a vehicle purchased using my personal information without my consent. Despite multiple attempts to have this account removed, it remains on my report, which is not only unjust but illegal. 

The fact that someone could misuse my personal information in this way is alarming and has left me feeling vulnerable. If this account has been charged off, it is illegal to continue reporting this debt, especially since it has already been compensated. The ongoing presence of this account is not just a clerical error ; it is severely impacting my credit score and my ability to secure financial opportunities. 

I have already filed complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) regarding this matter, and I am prepared to escalate my actions further if this situation is not resolved promptly. 

Additionally, I am demanding the immediate removal of any accounts associated with XXXX XXXX XXXX XXXX XXXX . This company has illegally obtained my private information, including my Social Security number, which is a serious violation of my rights. The unauthorized purchase of my personal data is unacceptable, and I will take legal action if this information is not removed immediately. 

This letter serves as a formal notice. I expect written confirmation that the fraudulent account from XXXX XXXX XXXX and any related records from XXXX XXXX XXXX have been removed from my credit report. Please take this matter seriously and act swiftly. I can not allow this situation to continue impacting my life any longer. 

Thank you for your prompt attention to this urgent matter. I hope for a resolution that allows me to regain my financial integrity. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I submitted an application for a credit card, application number XXXX. I received a denial letter dated XX/XX/2023. Shortly after I was informed by email that I had been denied, my wife submitted an application for the very same card and was approved. Their letter dated XX/XX/2023. Both my wife and I have the same income information as we submit a joint income tax return. However, the bulk of the income in this filing comes from my sources. We also have essentially the same credit information because we are authorized users in each others credit cards where the other is the primary card holder. 
The only real difference between our applications with Wells Fargo is that I have an obviously male first name while my wife has an obviously female first name. It is clear that Wells Fargo has allowed its algorithm to make decisions based on XXXX that are prohibited by law. In fact, after my wife retired from teaching over 40 years ago when we were married, with a few minor exception, she has not been employed during that entire period.
Product: Credit reporting or other personal consumer reports

Checking my credit report and noticed that they were accounts reporting that I do not recognize
Product: Credit reporting or other personal consumer reports

I have reached out to Upgrade 3 times asking why have they not update my balances. I have XXXX active accounts with them and they are the only ones who have not updates since XXXX. My balances are significantly lower and im in the process of the first step of home buying its causing my score to drop, it makes it look closed because they do not provide usage and the balance owed is way up. For instance XXXX upgrade card limit is XXXX I paid them down to XXXX my report it shows XXXX limit and my balance is XXXX meaning im way over my balance! With over the limit.on another upgrade card limit XXXX its says my balance is XXXX! My balance is XXXX. I have XXXX loans with them XXXX loan says XXXX and I owe XXXX and another loan shows XXXX and im down to XXXX. These things make me look bad and cause damage to my report and does not help me. I disputed it with upgrade several times they blame the credit reporting people. I complain to experien I pay them {$25.00} a month and the disputes leads me to the same place! No one is truly investigating or helping. I even uploaded my statements yet no resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Originally : XXXX  XXXX BY XXXX XX/XX/XXXX XX/XX/XXXX {$4800.00} I have reported to this company that this account is fraudulent and affecting my credit and they will not remove. My child has XXXX and tried to lease a home close to services and was denied because of this.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax, XXXX, and XXXX. As well as XXXX XXXX  and XXXX XXXX XXXX XXXX  several times regarding the inaccuracies and invalid information on my credit report file. I feel as though I am being taken advantage of and being ignored regarding my disputes. The FCRA assures me that I have the right to dispute any and all invalid and inaccurate information regarding my file. I have received nothing pertaining to the investigations that were supposed to be conducted. I sent disputes in XXXX and again in XXXX.. It has been over 45 days. My request have gone unanswered. I have explained to all parties that my information was impacted by the Equifax Data Breach and it appears that my information was fraudulently used. I demand that these accounts be deleted immediately or I intend to file for litigation due to the stress that this has caused me. 
To date, XXXX  is the only company that has responded to my dispute in the proper manner.
Product: Checking or savings account

I opened a Citibank checking account in XXXX. At that time, they had XXXX $ for depositing a large amount of money in the account. My account was funded the required amount on XX/XX/2022. In XXXX I asked the Citibank 's customer representative if I satisfied the bonus requirement and okay to withdrew fund for other usage. The representative responded yes and said explicitly that the bonus will still be delivered. However, after that, every single time I checked in with the representative and they kept delaying the bonus time. The last time I talked to them in XXXX them said I'm not eligible for the bonus because I withdrew the fund early. I'm furious and I hope you can help resolve this issue. Citibank is really a bad company to deal with, I probably will never have any relationship with them after this.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
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, credit repair services, or other personal consumer reports

This company is reporting inaccurate and derogatory information on my credit report.
Product: Checking or savings account

RobinHood Investment app restricted account and won't let me get my money back and keep asking for more and more banking and personal documentations
Product: Credit reporting or other personal consumer reports

This is my follolw up request for the immediate removal of fraudulent items from my credit report. Despite my previous three attempts to resolve this issue, these items continue to appear on my credit report, causing significant distress and damage to my creditworthiness. This persistent issue has negatively impacted my credit score and financial stability. I kindly request that you could help me conduct a thorough investigation into my claim and permanently remove the fraudulent items from my credit report. I expect prompt action and resolution within the 30-day period mandated by the Fair Credit Reporting Act ( FCRA ). Kindly help me remove the following items immediately : 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: Debt collection

I recently pulled my credit report and noticed LVNV Funding on my consumer report. I requested verification, but they didn't provide an address for LVNV Funding. It was an address for Resurgent XXXX XXXX. LVNV Funding never gave me an opt out form to opt out my nonpublic personal information that comes with the privacy policy notice according to the Gramm Leach Bliley Act. FDCPA, 15 USC 1692c ( b ), also mentions that I must give a debt collector consent to communicate any information about an alleged debt to any other person. LVNV has claimed to be a creditor of an alleged debt, but I have never done business with them. I am aware that an assignment or transfer of any alleged debt is does not make LVNV a creditor and that is false representation. I also want to know if LVNV and Resurgent XXXX XXXX are the same business or not. It's creating a lot of confusion for me. LVNV should be aware that using any other business name other than their own violates the FDCPA.
Product: Credit reporting or other personal consumer reports

I have tried to update my personal information on my credit profile online and over the phone to no avail.
Product: Credit card or prepaid card

Paypal allowed 4 charges to be added to my Paypal XXXX unauthorized by me. When I attempted to dispute the charges I received this notification : Case status : Closed The case was closed as this transaction is ineligible for PayPal Purchase Protection. 
Case details Case ID : XXXX Disputed amount : {$52.00} USD Seller info : XXXX, XXXX. 
XXXX XXXX Date reported : XX/XX/2023 Invoice ID : XXXX Case status : Closed The case was closed as this transaction is ineligible for PayPal Purchase Protection. 
Case details Case ID : XXXX XXXX XXXX : {$61.00} USD Seller info : XXXX, XXXX. 
XXXX XXXX Date reported : XX/XX/2023 Invoice ID : XXXX XXXX status : Closed The case was closed in the sellers favor as the seller provided a valid proof of delivery. 
Case details Case ID : XXXX Disputed amount : {$73.00} USD Seller info : XXXX, XXXX. 
XXXX XXXX Date reported : XX/XX/2023 Invoice ID : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up with my ongoing dispute regarding these collections accounts that are totally unrecognizable and erroneous.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, and 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 Payment after charge off/collection Portfolio Type Collection Owner of Account Individual Original Creditor XXXX XXXX XXXX Placed in Collections XX/XX/XXXX Last Verified Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX I have been disputing these charges/reports via XXXX XXXX since XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, XXXX XXXX XXXX XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and FCRA XXXX ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.
Product: Checking or savings account

Opened account with Marcus by Goldman Sachs online, deposited money. Then tried to transfer money out to one of my XXXX  accounts and they froze my account. Been trying to unfreeze it for almost 2 weeks and made over XXXX calls to them and continue to get the run around.