23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX ca XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX, GA XXXX Subject : Request for Account Information Dear Lendmark Financial Services, I am writing to request specific information regarding my loan account. Please provide me with the following details : 1. The date of first delinquency on the account 2. The date of the last payment made on the account 3. The date the account was officially charged off 4. A copy of the 1099-C I would appreciate it if you could provide this information in writing at your earliest convenience. If any additional information is needed from my end to process this request, please let me know. 

Thank you for your time and assistance. I look forward to your prompt response. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Birthdate which is correct on every other agency and public record changed by Equifax and then asked me to send photocopies of my personal documents to verify my information, due to a mistake on THEIR part
Product: Credit card or prepaid card

Recieved a XXXX  package with a USBankReliacard inside. Did not order this, nor does any of the packaging look reliable. The number on the back is not for a USBank. When you go to the website on the sheet it does have a place for " if you recieved this card without requesting '' Then you have to input your information on the next page. I believe this is Fraud and possibly a way to steal my information. I have looked at my credit report and there is nothing on there that is Fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft, in which I've contacted the XXXX  and Equifax of such, but the bureaus failed to block the charged off XXXX XXXX account under 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days XXXX XXXX # XXXX Please see attached copy
Product: Credit reporting or other personal consumer reports

This is not my account. I have no knowledge of this account. 15 USC 1681b. I have never submitted any application or personal identification to create this account. 
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX 


Account number XXXX
Product: Credit card or prepaid card

On XXXX there were 2 transactions that are not mine for XXXX in the amount of XXXX and XXXX some how someone hacked my XXXX account and used this card an our bank card
Product: Credit reporting or other personal consumer reports

In light of TransUnion and XXXX response to my complaint through CFPB, 60 days is not an option. Theyve been receiving challenges and notices since XXXX or XXXX of this year and also had disputes they disregarded last year. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes WITHIN 30 days of receiving a consumer 's dispute notice. They must complete the investigation, inform the consumer of the results, and provide a summary of their findings. If the information is found to be inaccurate or incomplete, they must correct it or delete it from the consumer 's credit report. THEY DID NOT DO THIS. I would like my requests to have said items removed to be honored and honored within the next 30 days according to the law by which the agencies are to abide and I know that they will.
Product: Credit reporting or other personal consumer reports

The persistent inability of the debt collector to provide adequate validation of these alleged debts violates my rights under the Fair Debt Collection Practices Act ( FDCPA ). The absence of proper documentation not only undermines the legitimacy of the claims but also unjustly jeopardizes my credit score and credit worthiness. 

My attempts to resolve this matter with the credit bureau have been met with inadequate responses, leaving me in a state of financial uncertainty. The failure to rectify these inaccuracies perpetuates a cycle of harm that affects my ability to secure loans and other financial assistance.
Product: Checking or savings account

We opened a new checking and savings account online at Citizen 's Bank on XX/XX/2023. To fund the account, an ACH transfer of {$2400.00} from XXXX XXXX  XXXX was entered with allocations of {$2200.00} to Citizen 's Checking and {$260.00} to Citizen 's Savings. The {$260.00} transfer is still not completed as of XX/XX/2023. Attempting to resolve the issue with Citizen 's Bank, they disclosed that they had an issue affecting new online enrollment accounts, resulting in our new savings account being " frozen '' immediately after opening with no official reason. The fund transfer was rejected, and Citizen 's Bank is unable to locate our money or assist in any helpful way. Citizen 's claims they returned the funds to XXXX XXXX XXXXXXXX on XX/XX/2023 and provided us a tracking number, but XXXX XXXX XXXX claims they do not have the funds and can not help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. State I have the right 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

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX  XXXX XXXX University XXXX XXXX  XXXX university XXXX XXXX us department of edu us dept of education and address are not mine XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a few credit cards with Bank of America. Every month the Closing date changes and I'm having difficulty trying to make sure that I pay my cards on time. I have a few other cards and I schedule them to be paid on a specific date each month. BOA is the only company that changes the Closing date each month and I never know when my credit cards are due. 

As an example : the closing date for XXXX was XX/XX/21 ... but the Closing date for XXXX is XX/XX/21 ... that's only a 25 day period. It seems like interest charges are calculated on the 25 day period instead of a 30 day period ... Is that even legal? ... seems to me to be usurious ... 

Why does BOA change the closing date every month when no other banks do so? 

From speaking with a representative I was told that a lot of customers have the same issue. It seems like this is a ploy by BOA to confuse their customers so they can collect Late Fees. I know that might sound outrageous/crazy but if the closing date floats then how are customers supposed to know when their payments are due? ... Further, why is the closing date less than 30 days? ... I don't even get 30 days to make a payment ... 

Something is very wrong with how BOA is operating. I don't know if what BOA is doing is legal .. Maybe I'm wrong about this but it seems like BOA is defrauding their customers. It's customary in banking to allow for 30 days to make payments ... I'm sure BOA makes a lot of money on those extra 5 days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX, account 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, credit repair services, or other personal consumer reports

I have contacted the credit bureaus in regards to this incorrect reporting on several occasions. The incorrect reporting has cost me several financial opportunities due to the incorrect posting. I am asking that you assist me with clearing my credit reports of all the inaccurate reporting on my credit reports.
Product: Credit reporting or other personal consumer reports

I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, XXXX, and XXXX for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution. 
XXXX XXXX XXXX XXXX XXXX XXXX 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

Good Afternoon : My name is XXXX. XXXX XXXX XXXX, and since XXXX I have consistently disputing two payday loans taken out in my name. After years of being turned down for mortgages and credit, I have finally given in and paid one of the payday loans off. However, one credit bureau improved my credit and wiped the slate clean of BOTH delinquent accounts, while the other two refuse to remove the PAID IN FULL account with clear proof from the agency with a letter. I have suffered enough as an XXXX who can not afford to even apply over and over to be denied a home because of fraudulent and inaccurate information. Then, when I put in for a dispute, magically the amount of the account goes up by a dollar and causes my credit score to decrease XXXX points each month. I want not only to have these issues rectified, but I want my credit score to go back to the XXXX it was in XXXX of this year or better because I am debt free except the college loans that remain as I am in XXXX XXXX  working on my XXXX. I know my rights, and under the Fair Credit Reporting Act ( 15 U.S.C. Section 1681 et seq. ), I could be owed damages for unfair practices.
Product: Credit reporting or other personal consumer reports

I would like these inquiries deleted because I didnt authorize these companies to run my credit.
Product: Credit card

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Product: Payday loan, title loan, personal loan, or advance loan

Second Complaint Regarding Credit Denial and Rights Violations Dear SECU I am writing to formally dispute the denial of my credit application on XX/XX/year> ant the XXXX XXXX and the violations of my rights in the process. I requested a paper application to properly complete and understand the form, as it is the best way for me to apply and ask necessary questions. The refusal to provide this accommodation impeded my ability to perform and constitutes a violation of my rights. 

Additionally, after my application was denied and no consideration, I requested that it be rescinded, which was not honored. This failure to act upon my request is another violation of my rights under consumer protection laws. 

Furthermore, the basis for my denial can not be attributed solely to credit, especially given the ongoing investigations into credit bureaus for inaccurate reporting. Under the Equal Credit Opportunity Act, Truth in Lending Act ( 15 U.S.C. 1635 ), and the XXXX XXXX XXXX XXXX, I was entitled to fair consideration, which I did not receive. The denial also raises concerns under the disparate impact doctrine, which prohibits lending practices that disproportionately affect protected classes. 

Lastly under XXXX XXXX, the debtor is considered the owner of the funds or assets used in a secured transaction. When a person takes out a loan, they effectively fund it themselves because their promissory note represents real value. The bank does not lend its own money but instead exchanges the value of the promissory note for Federal Reserve XXXX, making it a currency exchange rather than a traditional loan. So basically the bank ( SECU ) would monetize the borrowers ( myself ) signature and deposit the note as an asset, then would issue me a corresponding liability ( loan ) against it. Which means the borrower ( myself ) funds the transaction, not the banks ( XXXX ) own reserves. 

I request an immediate review of this matter, including a detailed explanation of the decision-making process and corrective actions that will be taken to address these violations. Please provide a response within XXXX business days before I escalate this matter to the appropriate regulatory authorities. 

Sincerely, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of identity theft. 
Fraudulent Accounts XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$100.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$10000.00} Fraudulent Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.These actions have caused significant inconvenience and financial loss, and I seek appropriate redress t for these violations.
Product: Mortgage

I keep getting harassed by this company after I've told them numerous times I do not have a mortgage, yet alone ever had one. How can you get them to stop harrassing me? I've called my attorney provider XXXX XXXX ( based in XXXX XXXX  and they suggested I contact you first by submitting a complaint. 

" Payment Reminder Your payment is due on XX/XX/year> on your account ending in XXXX. 

Please sign into your account at XXXX XXXX //lakeviewloanservicingXXXX  to make your payment. 

Thank you, XXXX XXXX XXXX # XXXX ''
Product: Credit card or prepaid card

My Quicksilver credit card account was charged {$26.00} in interest charges when it should not have been. I paid my balance in full for several months in a row, and despite this, I was still assessed interest on the card. 

My statement was produced on XX/XX/2021 with a statement balance of {$380.00}. I subsequently made a payment of {$400.00} on XX/XX/2021, i.e. the statement balance was paid in full. My next statement was produced on XX/XX/2021, and included the above mentioned interest charge, despite satisfying the full statement balance. I called Capital One to inquire about the charge, to which they responded that it was due to a payment being returned unpaid. 

While I understand that my payment was returned, it was returned on XX/XX/2021, again, this was after the date the statement was produced. And again, I paid the statement balance in full so that I would not have an interest charge, and will pay my next statement balance in full as to not have any interest charges. 

When I called Capital One I explained why I disagreed with the interest charge assessed to my Account and asked if it could be refunded. The Agent said that it could not be, as it was a valid charge. She offered to allow me to speak with a supervisor, and I accepted. I explained a second time with the Supervisor why I disagreed with the interest charge, who then said that it could not be, as it was a valid charge. 

I stated several times that if they would not waive/refund the interest charge, then I would like my communication to be escalated and handled as a formal complaint. I asked several times who I could speak with that handles escalated complaints, such as their department who would typically receive and respond to a CFPB complaints The Supervisor didn't have any contact information for that department and could not transfer my call to that department. The only thing she offered me was a suggestion to write a letter to the corporate office, which she could not even give me an address for. I cant even say with any confidence that my call was logged as a complaint. 

To summarize, I have two complaints : 1 ) I was charged interest when I believe I should not have been, and 2 ) I believe Capital One 's formal complaint management program is not adequate, specifically because a Consumer is not able to escalate concerns of Unfair practices to a Compliance officer or similar role ( not a call center supervisor ).
Product: Debt collection

I received a service from XXXX XXXX. They did not correctly bill the insurance company. The insurance company and I have contacted them on several occasions to get them to submit the bill correctly. Alternatively, I can submit the bill, but the bill that XXXX XXXX is sending me is for a service that I did not receive at a price that has not been submitted to the insurance agency. To date they have not billed the insurance agency at the proper address. I was telephonically contacted by American Collections XXXX regarding this debt. When they contacted me I advised them that they needed to contact me in writing and that the debt was not valid. To date they have not contacted me in writing and they have submitted this debt to the credit agency. I contacted Washington XXXX XXXX several. They state that they can not issue a letter stating that the debt was erroneously sent. When I reviewed the debt with the insurance agency it became apparent that they were billing me for services that had not been received. The insurance company has been made aware of this but as the agency is refusing to bill them for the services the matter is not insurance fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a discover card once back in XXXX of 2020 and thats it and I have multiple inquiries on my credit activity
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I keep getting harassed by XXXX loan company about money I owed to XXXX which was the creditor which was fraud and never authorized by me which XXXX knows and should have in there notes. So I am unsure why this is still on my credit report or even going on. I have no problem explaining the situation. These collection agency 's keep calling up my phone and keep sending me letters. Under the fair credit act I asked them to show me proof I really did anything which I know they can not since It was fraud and I never signed over anything. I just want this deleted from my file on experian, XXXX, XXXX and any other companies. 

Last year I had spoke to XXXX a few times to try and resolve this whole thing they had mentioned something about money from an XXXX there was a bunch of transactions and my XXXX I had closed to avoid this from growing. XXXX was going to reverse all money to XXXX account this way she would owe the money. I believe it was her son hacked into my file and tried to pay his mother with XXXX. I do not feel responsible In anyway as this was fraud and not authorized by me. I keep getting these settlement letters but there is nothing for me to settle as I do not owe XXXX XXXX so I hope you guys can help resolve the matter and the people who owe the money. If anyway I can help I would be more than happy to do so but this is 100 % fraud. I just want the harassment to stop.