23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

RUSHCARD ALLEGEDLY HAS A GLICH AND WE HAVE BEEN WITHOUT OUR MONEY FOR A WEEK, MY DIRECT DEPOSIT FROM WORK WAS FRIDAY, TODAY IS MONDAY AND STILL CAN NOT ACCESS MY MONEY TO PAY MY BILLS, GET GAS, FOOD OR ANYTHING, I AM ACCRUING LATE FEES FROM HAVING LATE PAYMENTS AND HAD TO BORROW OVER XXXX TO COVER MY MORTGAGE BECAUSE IT WAS LATE, THIS IS MORE THAN A HARDSHIP, ITS EMOTIONAL, WE NEED OUR MONEY NOW, CUSTOMER SERVICE IS NO HELP IF YOU CAN GET THEM, THEY HANG UP AND HAVE NO ANSWERS, THEY DONR EMAIL YOU BACK AND YOU CAN BARELY GET THROUGH ON A LINE, NO ANSWER OR IT RINGS AND DISCONNECTS, ALL NUMBERS DONT WORK, WHATS GOING ON, MY ELECTRIC BOILL IS DUE IN TWO DAYS. SO FRUSTRATED, THIS IS REALLY AFFECTING ME. I NEED TO PAY MY BILLS, WHERE IS OUR MONEY, MY PAYDAY WAS 3 DAYS AGO.
Product: Debt collection

My name is XXXX XXXX and I sent Sallie Mae a verification letter on XX/XX/2021. I didn't receive a response so I called them and they told me that they would send the original documents. It is now XX/XX/XXXX and I still have not received verification and pursuant to 15 USC 1692g, verification is required once requested. If I am not mistaken, if there is no verification, then there is no debt. If Sallie Mae insists that I, a consumer, owes them this alleged debt, then there needs to be an AGREEMENT between myself and Sallie Mae with WET INK SIGNATURES. As a business, it does not make sense to do business with someone with no signed contract or agreement from both parties involved. In reality, Sallie Mae can not do business with a natural person anyway. Businesses can only contract with other businesses! Furthermore, this lets me know that since Sallie Mae can not EVER provide verification to me, then they can't provide it to anyone else. Now if Sallie Mae is collecting a debt, then they should know ALL of the laws under the FDCPA and not just the ones that benefit them. They have also used my personal and private information without my written consent and shared it with credit reporting agencies. Pursuant to 15 USC 1692c ( b ), no one is allowed to communicate with ANY third party outside of the consumer unless the consumer AUTHORIZES it and I have NOT authorized anything whatsoever. That is even discussed in the FCRA. Anything that has something to do with my personal and private information HAS to be authorized by me, otherwise it is, in fact, considered identity theft and is punishable by law pursuant to 18 USC 1028A. Pursuant to 15 USC 1692h, " If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. '' With that being said, all prior payments need to be refunded to me as that is my RIGHT. Another interesting thing I came across is the fact that the debts are in excess of {$1.00}. According to 15 USC 1666d ( C ), anything in excess of {$1.00} needs to be refunded to the consumer. It makes no sense to pay something that is in the positives. That is false representation pursuant to 15 USC 1692e ( 2 ) ( A ). All of these offenses are considered crimes under federal law, starting with fraud pursuant to 18 USC 1028. This is also extortion under 18 USC 891 ( 6 ). My credit card, which is my social security card pursuant to 15 USC 1602 ( l ), was used in this process therefore making this an extortionate credit transaction. I also never received my Right of Rescission. Sallie Mae is willfully and knowingly participating in illegal actions against I, the consumer, and there is no way to deny it when federal law says otherwise. Reporting adverse actions and items to my consumer report is causing harm to my reputation which is considered an unfair practice and harassment and is, in fact, illegal.
Product: Debt collection

I wrote letters to the the Collection Agency on XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, LAST ONE TO THE CREDIT BUREAUS XXXX AND XXXX XXXX ON XXXX XXXX, XXXX. 
PORTFOLIO RECOVERY WROTE ME ON XX/XX/XXXXStating that they got the information correct and the validation of the account in question is Correct BUT Correct to them, But not to me enclose you will find the big mess there is as far as dates are incorrect and inaccurate, open date of the account is wrong, the balance of the account is wrong, also it looks like the statement they sent me which is not correct it seems like they have put together the pages to coordinate one page with the other you will see in my details where I am pointing out the errors and discrepancies. 

since XXXX Portfolio Recovery did not answer me the letters I sent them to clarify all the inaccurate issues, it is over 30 days now. 
it seems to me that because this account was sold to a second party as soon as the other business entity get the account they update the information to make the 7 years that the account will remain in the credit bureaus is longer, there is no documented payments on this account since long ago the account was open in XXXX, just figure out it 's been 7 years already and still wants to punishing me to last this derogatory and negative item until XXXX IS NOT FAIR, WHEN YOU ARE NOT DOING BUSINESS FAIR, WHY WE CONSUMERS WE MUST PUT UP TO THIS KIND OF ABUSES.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I checked my personal credit report and saw multiple and excessive unauthorized inquiries from XX/XX/XXXX to present. The unauthorized inquires and incorrect information drastically dropped my credit score, and ruined my credit. The incorrect information continues to ruin my credit. As a result, I am unable to obtain goods, products, and services that I would have normally qualified for through my hard work and success. These companies include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The unauthorized inquires consist of multiple '' soft credit checks, '' for reasons unknown. I did not have business with most/all of these companies on the dates the " inquires '' were conducted. These inquires compromised my personally identifiable information, credit, safety and security as they were conducted WITHOUT my knowledge and consent. These aforementioned companies checked my credit LONG before I learned I was a victim of fraud in XXXX. I contacted these companies and confirmed they had the incorrect client name, incorrect client date of birth, incorrect client address, incorrect state of residence and more. Who provided my information to these businesses and service providers? Why was I mistaken for ALL these people?
Product: Checking or savings account

All XX/XX/2024 I received a referral email from Navy Federal Credit Union advertising that if I signed up and established an account, I would be eligible for {$100.00} bonus within XXXX business days. The person who referred me would receive a {$50.00} bonus within XXXX business days. I carefully read the terms of conditions and I did qualify for the offer. I did not receive my {$100.00} bonus by XX/XX/XXXX which would have been the XXXX business days. On Wednesday XX/XX/XXXX I spoke with an agent on the bank my phone who informed me that I had in fact met all the criteria for the offer. I was informed that she was speaking with the back office at member services and submitted a request. I was informed by XXXX XXXX the following morning the XXXX dollar bonus would be in my savings account and the dollar bonus would be in the person who referred me account. On XXXX XXXXXX/XX/XXXX. I spoke with another gentleman who informed me at the previous representative had given me false information. I was informed that he did see the request to have my account reviewed for the promotion XXXX but that it would take a couple of days. I was advised to wait until XXXX It is not XXXX day XX/XX/XXXX and I still have not received the referral bonus. Neither has the person who referred me. At this point I hate being told to wait a couple of days every time I call. Debate clearly has not met the advertised promotion. At this point I feel that it is misleading and false advertising. I did open the account successfully on XX/XX/XXXX. I did find the account successfully. The account is in good standings. I additionally also opened a checking account and a credit card with the bank and I am using them actively.
Product: Credit reporting or other personal consumer reports

I am writing to address multiple unresolved issues with the information on my credit report in GM FINANCIAL, despite prior disputes I filed regarding inaccuracies. I initially reached out to correct discrepancies, including errors in the dates of last payments, dates accounts were opened, payment history, and account status. After providing supporting documentation, I was assured that an exhaustive examination had been conducted. However, as of today, my credit report remains unchanged, and the errors persist. Moreover, I have noticed negative actions have been taken on my credit report despite these unresolved issues. My full name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX XXXX. My date of birth is XX/XX/scrub>XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. Under 15 U.S.C. 1681e ( b ), GM FINANCIAL is required to maintain reasonable procedures to ensure the accuracy of the information provided, and my submitted evidence of inaccuracies shows a failure to do so. According to 15 U.S.C. 1681i, GM FINANCIAL is obligated to investigate disputes within 30 days, but I have not received any update or resolution. This delay constitutes a violation of my rights. Furthermore, under 15 U.S.C. 1681 ( a ) and 1681b, a consumer report can not be shared without my written consent unless exceptions apply. I request confirmation that my consent was obtained for any recent disclosures of my credit report. As part of my efforts to resolve this matter, I have filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXX and expect GM FINANCIAL to cooperate with the FTC in addressing these concerns. To resolve this promptly, I request a reinvestigation of my credit report, specifically addressing the inaccuracies in payment dates, account opening dates, payment history, and account status. I further request that erroneous information be corrected or removed immediately. Please provide a detailed written response outlining the steps taken to resolve these issues and ensure compliance with the FCRA. If these issues are not resolved within 30 days, I will consider further legal action, including seeking damages for violations of the FCRA. I expect your prompt attention to this matter and resolution within the legally required 30-day timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 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 an account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently have student loans that are in loan forgiveness but shows on my report as late. From XXXX, and Transunion no score is available for me since XXXX  but Ive been getting denied from lenders due to my score. Ive worked on my score for years and no improvement. Theres something going on with my credit. Please Im requesting an investigation into all bureaus.
Product: Money transfer, virtual currency, or money service

Unauthorized transactions happened, when attempting to contact CashApp there was no number to call or live agents to speak to about this. The company requested to send the complaint through email and never received a response or my money back from those unauthorized transactions.
Product: Student loan

Contacted MOHELA for clarification on why interest is accruing on my XXXX plan even though I am making the required payments. Have not received any response - requested information XX/XX/23. Several months of accrued interest are already present.
Product: Checking or savings account

On XX/XX/2021 we received a letter from the investment firm of Charles Schwab that we had opened account with them, which we had not. We called immediately to report this to them. They took the information and directed me to their fraud department. That department is completely unwilling to tell us anything other than " no credit check is required to open these accounts so your credit freezes would not apply '' and that " once this account is open then there will be access to open bank accounts and lines of credit without a credit check ''. We then received a letter from Schwab confirming that the address had been changed from our address to the new, requested one. I again called Schwab fraud department & they refused to give me any information. They did tell me that we " would get no further correspondence from them since the address had been changed, they will conduct 'their own investigation as to IF this is a fraudulent account & they we will NOT receive notice if the account has been shut down or closed ''. We have an open police case & gave them all of this information. The detective on the case personally called & they refused to provide him the information they have, including the address that the account had been change into. Without the info Schwab has, there is not much more the detective can do. I do not see how this is ethical or legal that Schwab can withhold this information from us, the victims, and from legal authorities. We have no idea if this account is open & active or not 2 months after the fact.
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

It was brought to my attention that LVNV FUNDING LLC claims an unverified debt of {$570.00} on my consumer report 0n XX/XX/2022 from XX/XX/XXXX, XXXX not only was this debt not verified its also beyond Maryland 's three year statue of limitations
Product: Mortgage

My house loan was sold to another loan place in XXXX of XXXX from XXXX to Allied Servicing Corporation. My house taxes became due in XXXX XXXX, I had no idea they were not paid until i received a letter in the mail from XXXX XXXX clerk office in XXXX stating that they needed paid by XXXX XXXX to prevent my name from being in the paper, so I called Allied and asked them about it they kept giving me the run around on the situation I then talked to a XXXX XXXX on the XXXX of XXXX and she said she got it straightened out with XXXX which is the girl who takes care of the escrow stuff XXXX XXXX said that they were being paid that day, well I called back on the XXXX to double check and XXXX XXXX told me that they were being paid, I then called the XXXX XXXX office on XXXX XXXX just to make sure that they were paid well they told me that they had not been paid yet so I called Allied back and once again I talked to XXXX XXXX she then told me that they were not paid and they would not be paid because I was negative in my escrow account I preceded to ask her why they were not paid and why she told me on the XXXX and XXXX that they were going to be paid well she would n't give me an answer she was very rude and then she said I am hanging the phone up and the phone went dead, I tried for an hour to call back they would n't answer so i called back on my cell and XXXX XXXX answered and I asked to speak with a manager and she said there was not one available and she hung up. I do n't understand why they are n't paid and then they could do an escrow analysis to make up the difference. Would you please help me with this situation because Allied wont talk to me. Allied number is XXXX My account number is XXXX my name is XXXX XXXX Thank You so much
Product: Credit card or prepaid card

I have XXXX different issues. 

The first issue is with XXXX credit card, back in like late XXXX or XXXX of last year, I thought I was helping what I was lead to believe was my girlfriend online, however after this young woman told me she would pay me back and pay the card online herself, all of her funds where returned and I was left with this big debt because of her. I didn't know before it was too late that it was what was called the girlfriend scam, needless to say I asked XXXX card if they could help me and they refused to help me. 

Problem two which is different from the first one, I had a Chase Freedom credit card which was not yet maxed out but I was working really hard towards paying down the balance up until I was talking with a woman on a social media website & I agreed to go into business with her with a XXXX   opportunity, mind you nothing really could be charged to much on the Chase freedom card and once I opened this XXXX website this woman managed to have her friend pay off the balance and asked me to go to different stores and buy gift cards in order to buy more XXXX.. I was at first not going to do it but wasn't thinking much about it and after I did just that I didn't get any calls/text 's or email 's and or phone calls asking me what was going on and Chase didn't do anything to decline purchases or help me out, they looked into the matter three different times and I even filled a report with the FBI online website, however nothing was done to help me out, but instead now my balance is over {$5000.00} dollars before of this & it was just starting to head down towards {$2000.00} dollars. Needless to say I am looking at filing bankruptcy because of this. I really do not want to do that either and I am deeply saddened by this whole thing more so that Chase credit card didn't do anything to protect me and even after I asked them why they never turned anything down or anything like that I got no where at all.
Product: Debt collection

I recently received a copy of my XXXX consumer report and I noticed a third party collection agency on my consumer report. this company is in clear violation of the law. Pursuant 15 U.S. Code 1692c.
Product: Credit card

I HAVE CHASE XXXX XXXX CARD WHICH IVE NEVER BEEN LATE PAYING BUT THE LAST FEW MONTHS, EVEN THOUGH I PAY ON THE DUE DATE, THEY'VE STOPPED CREDITING MY ACCOUNT SO NEXT MONTH 'S STATEMENTS SHOWS A BALANCE. THIS IS WHAT HAPPENED AGAIN TODAY XX/XX/XXXX. I HAD A PAYMENT SCHEDULED TO PAY THE FULL BALANCE ON XX/XX/XXXX {$900.00} THE CHASE PORTAL, WHICH IS WHAT I NORMALLY DO EACH MONTH. NOW, THEIR SYSTEM SHOWS RECEIPT OF THE PAYMENT ON XX/XX/XXXX, BUT THEIR SYSTEM AND MY NEW BILL STILL SHOWS THE TOTAL BALANCE OF {$900.00}. THE REP THAT I SPOKE TO TOLD ME I NEED TO PAY THEM AT LEAST 5 DAYS PRIOR LOL, I MENTIONED THAT NO OTHER CREDIT CARD THAT I PAY WORKS THIS WAY, PAYMENT SHOWS RECEIPT ON THE XXXX SO MY BALANCE SHOULD REFLECT THIS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've requested to have information removed from the 3 collections accounts on my www.Experian.com credit report removed as they have all been paid off or keep appearing as they are over 10 years old. I asked for original contracts and was told that they can't give me that information. I've contacted the original lenders they want help. I've explained that I'm XXXX XXXX military of 16 years of service who is trying to buy a home and they still disregarded. I spoke with several employees of Experian and was told they are not allowed to share information. I asked how do they know the information is correct? Especially if the time elapse and the account should be removed. A company can sell the contract and the date starts all over again. Asking for the original contract is valid because it will show it was never mine as I never signed for the service. That's why they won't show me the original contract.
Product: Checking or savings account

From XX/XX/XXXX to today for the day I have been on the cash app support team and called then personally multiple times to try and get the money off of my account they are refusing to let me link a bank or a debit card to my account saying it has to be one of them before which in the closing agreement it does not say that it says you may link a new card to do to withdrawal you're funds and they are still doing nothing about it and my money is still sitting on cash app with no way for me to get it please help me get my money please
Product: Mortgage

I bought a house at address XXXX XXXX XXXX on XX/XX/XXXX on XX/XX/XXXX XXXX and XXXX XXXX assumed my home loan. EVERY delinquent payment on my mortgage SHOULD NOT be on my credit report. Please remove the items from my credit report! Thank you XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am struggling to withdraw my money from US bank account, they said they need to confirm my identity but they have all my personal information. They want me to send them pictures of a federal ID. I had sent XXXX pictures but none of them comply with their hard quality request. I need my money to pay my bills and in order to be alive. I demand from them a better and easier option where not only myself but all customers struggling to get their financial support for living have access to their money. It's not fair that meanwhile US bank gain a huge profits with our money, we customers are suffering and maybe lose our health and our own lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went onto XXXX XXXX and saw that there was a hard inquiry on my credit, one I did not agree to. It was done by " XXXX XXXXXXXX XXXX '' in XXXX CA. I did not agree to this and have not contacted them, many co paints about this company were found online when I tried to look up what it is. It states that they inquired on XX/XX/2017 but I haven't applied for any kind of credit in at least 3 years.