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

This is in reference to complaint XXXX previously submitted. Penfed did NOT address my concerns. I asked very specific questions in my inquiry that were not at all address. I would like my questions to specifically be answered and not a pencil whipped response. Why do I not get any assistance in dealing with XXXX XXXX? They tell me to contact my financial institution and will not assist me. Why did it take so long for them to get me copies of my statements when I changed my account number? Why will they not assist me in dealing with the XXXX XXXX XXXX XXXX. All of these questions have not been addressed. They are providing no help to me what-so-ever and instead are making a assumptions and a judgement call on my character. Their response is not a valid response because they did not address my individual question. Why did their system edits not detect fraud? This financial institution is deflecting any effort to help me and it required me to go through you just to get this response from them.
Product: Credit card or prepaid card

Comenity removed my online account access when I closed my XXXX XXXX credit card account. I can no longer make payments online. They will only accept payments on my account by mail or by phone. There is a fee for making a payment by phone.
Product: Credit card or prepaid card

On XX/XX/2020 I received an email from my Credit Card Company Fortiva staying a credit limit adjustment. 

Since I have always been an on time paying customer and kept low balance, I figured it was an increase in limit like other cards! 

But I was wrong. I see my credit has been cut in half. When speaking on the phone to the customer service questioning why this happened, she stated due to inactivity. I stated that inactivity is not on the Card Holder Agreement by Fortiva, not is it posted anywhere on website or the Agreement page this would happen, if you do not use the credit card. 

Now my account which I have always kept into good standing, is not affecting my credit score, due to the limit being decreased. No remarks due to anything on there end. My credit score dropped a total of XXXX points since this was made. 

On top of this they want me to still pay maintenance fees in a card in which the literally stated on the phone was not being used!! This is a sham. Had there actually been in the Agreement for Fortiva XXXX, I would have made sure to add monthly subscriptions on this card, but it was not, and was not notified of such!
Product: Credit reporting, credit repair services, or other personal consumer reports

I found some inaccurate accounts on my credit report.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am making a complaint on XXXX XXXX XXXX because there is a XXXX  XXXX bankruptcy reporting on my credit reporting file with XXXX XXXX XXXX, I have disputing this item with XXXX several times, and I have provided documents supporting my claim to XXXX, also there is a letter from the courts and a letter from XXXX to XXXX advising them to have the information removed off, XXXX uses XXXX to get there 3rd party information, XXXX is on XXXX credit report.
Product: Debt collection

XXXX XXXX XXXX ( Cavalry SPV I , LLC ). After things at my work changed, I took full retirement when I could. My wife and I and daughter then moved to live in my wife 's GA home. The Warranty in Debt mailed to us was mailed only ( not signed for ) at our old still empty VA house address. It was mailed XXXX/XXXX/2016. After the mail was forwarded, we finally got the notice in early XXXX 2016. That 's about two months later. The original court date was for XX/XX/XXXX2016. After getting on-line, I fortunately saw the case was continued for XXXX/XXXX/2016. We called to settle the debt through their local XXXX XXXX XXXX. We paid and settled the debt on XXXX/XXXX/2016 through XXXX XXXX XXXX for Cavalry SPV I , LLC. They had bought the debt from XXXX XXXX. Although we paid {$1800.00} and settled the debt, the account information through the credit reporting agencies should say something like " Account paid for less than full balance. Paid collection '' or " Paid and Settled for less than full balance ''. The account should also be closed with no balance now. Instead, the account remains open and with {$470.00} balance remaining and is still be reported to the credit agencies that way.
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 

Account Name XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit card or prepaid card

Chase Bank has over the course of the last few years had me to not only fax information into their center and to set up the automatic deduction monthly on their Chase website, but has failed to to set up the auto deductions at all. It has taken me over 56 attempts to fix this issue. Each time I have called Chase Banks Customer Service has been unprofessional and rude. I have requested numerous times to have a Manager outside the customer service call center contact me in regards to my account to discuss the neglect of Chase Bank Employee 's to actually do their job over the course of the last 1.5 years. When I called on or about XX/XX/XXXX / XXXX 2017 as I was online I discussed with the customer service representative and verified that the minimal amount for payment is checked for my XXXX 2017 payment and was told, YES I WAS GOOD! Then on XXXX XXXX 2017, Chase bank attempted to process the entire amount due on my credit card for an estimated amount of {$4600.00} which of course came back as an NSF due to them changing or lying to me about them seeing the minimal amount payment to process. Every time I log onto Chase Bank I am having to change my password, and if you are late on a payment they lock you out of your account and wo n't process unless you call them directly, or they harass the customer and call numerous times to collect all the money they are owed. No Manager has ever called back during this whole time to discuss these issues with me and depending on the manager that is in the call center a customer will get either a response that the manager will call within 24 hours / 24 to 48 hours / or 24 to 72 hours of the manager which choses to not call because it is not worth their time and energy, but I have had to spend countless hours on the phone with this Chase Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last few years I have used Transunion by website, their phone app and XXXX XXXX that is linked to you. I did this to open many credit disputes. This is a free service. I also opened some of these by phone which was painfully slow. I did this for a bunch of disputes over the last few years. However, when I log into the site and phone application I can not see all the details. Please provide me a printed and mailed hard paper copy of all the dispute files opened to date with your company. I need this for pending legal settlements. I have requested this before by phone and never got a response. The hold times were very long during covid19 and I am impacted by covid19 in many ways. Please provide the printed and mailed dispute files in a timely fashion in response to this complaint to avoid further legal escalations. Thank you.
Product: Debt collection

Both XXXX XXXX. and RUBIN & ROTHMAN , LLC, through practices relating to the attached matter ( XXXX XXXX. vs XXXX XXXX ) have broken a number of laws including The New York State Bar Association Rules of Professional Conduct and the US Fair Debt Collection Practices Act. 

I received the attached complaint from Rubin and Rothman LLC. that lists Attorneys including XXXX XXXX XXXX. On page two it clearly states XXXX XXXX XXXX XXXX. with the Rubin & Rothman LLC address. When an Attorney uses XXXX. after their name and provides a New York address as their place of business, it unequivocally states that XXXX XXXX XXXX practices law in New York State. XXXX XXXX XXXX is suspended from practicing law in California and New York and in New York with a disciplinary history states as Yes '' I spoke with the RUBIN & ROTHMAN Attorney XXXX XXXX on XXXX. I called at the bequest of the Judge in the case that parties speak with each other. I offered to settle the matter for what the potential cost would be for me to mount a defense- {$500.00}. XXXX XXXX declined the amount to settle and refused to provide a counteroffer stating that : - XXXX XXXX was sitting right next to her and purposefully lied that he was suspended for administrative reasons in NY and not disciplinary reasons - That it didnt matter anyway as XXXX XXXX XXXX was not practicing law in NY as he was practicing law only in Connecticut XXXX 
- " Even if you do prevail - we will just file again and " The debt will never go away During the call XXXX XXXX violated my rights under the US FDCPA by asking for all of my personally identifiable information on a recorded line. I was talking with XXXX XXXX to negotiate at the bequest of the judge as a self represented litigant AND NOT as a debtor. This is a distinction that XXXX XXXX was unable to make as she illegally plowed ahead with her incorrect, wrong and disingenuous agenda that offered unsolicited legal advice, threatening, bullying-and harassing behaviors and hung up the phone call mid conversation after saying we can tell that judge that we spoke. 

I have a long list of illegal and sloppy work and actions taken against me by XXXX and XXXX including insufficient production of records, false affidavits and insufficient service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/ SS # : XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act AFFIRM INC XXXX, has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit open-end consumer credit plan as late for any purpose.

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

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

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXPERIAN Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX XXXX Balance : {$330.00} XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$3300.00}
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, & XXXX NEVER perform a real XXXX. Therefore, I have commenced the process of litigation in the federal court system... .. ... XXXX XXXX To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached - to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes- stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX in XXXX XXXXXXXX XXXX XXXXXXXX XXXX I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Consumer credit report. Please delete ALL of the Following : XXXX ) XXXX CrXXXX XXXX  {$530.00} acct # XXXX XXXX ) XXXX XXXX {$63.00} XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} acct XXXX XXXX ) XXXX XXXX XXXX  {$300.00} XXXX.. I have attached evidence that my identity has been stolen through a company known as XXXX XXXX XXXX, showing that my social security number and date of birth have been compromised!
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, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I owed a debt on a pass due traffic ticket to Alliance One. In XXXX, they intercepted my state tax refund of {$190.00}. In XXXX i qualified for the XXXX XXXX program reducing what I owe to about {$88.00} including the {$50.00} processing fee. I paid the processing fee up front on XXXX XXXX. I should get back approximately {$150.00}, but Alliance One claims this money is theirs to keep because the tax refund intercept is considered a payment that is irrelevant to the reduction of the traffic fine. I suspect this is a fradulent claim.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these Inquiries : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX & XXXX XXXX However these are reporting when I have the right to these laws. And didn't authorize the them to furnish on my account. 

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.

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  / OVER, Has a charge-off listed under my name on my Credit Report and this was reported as Identity theft. I never gave authorization for usage and when me and my seen this error on my report we contacted them to remove/ correct the error. 

First they told me payments were being made so don't worry about. I told them I don't care if payments are being made It is not my account. This all started around XX/XX/XXXX. 

Instead they asked me several questions that they did not have answers to on the phone and when I gave it to them they stated that the information that I provided to them they will now use it to indicate I was the user of the account Altough it is a charge off I am a Retired XXXX Veteran and I take my credit seriously and this company should not be allowed to create undue stress and manipulate consumers. 

Enhanced Recovery- Has a collection on my Report for {$280.00} for XXXX and I have never used XXXX services. I have told them that this is IDentity Fraud and that this should not be reported as my account. 

XXXX XXXX XXXX is falsely reporting that I had a collection for {$320.00}. I sold my House in KY in XXXX of XXXX and settled my outstanding balance with KY Utilities. The reprensentative at XXXX did not change the name or cut off the utility and I had to pay the debt. I paid it but it is appearing on my report as a collection which is NOT accurate. 

Any assistance will be of great help. Thanks in advance!
Product: Debt collection

I had a Visa credit card and fell on hard times but continued to stay in contact with them. Visa sold my account or debt to Jefferson Capital Systems , LLC. My bank account was levied in XX/XX/2019 and I was not formally notified by Jefferson Capital Systems , LLC to appear in court to dispute this judgement. I filed a claim of exception to appeal this decision to the levying officer and Jefferson Capital Systems , LLC never responded therefore allowing the levying officer to authorize my bank to release my account from a month long hold.
Product: Mortgage

I have tried to request a loan modification and has been unsuccessful and now the loan is now in foreclosure.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Texas XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i . I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX XXXX XXXX 
Account # : XXXX Amount {$2900.00} XXXX XXXX XXXX. 

Account number XXXX Amount {$830.00} Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX Amount : {$1900.00} Account name XXXX XXXX XXXX  Account number XXXX Amount {$670.00} Account name XXXX XXXX XXXX Account number XXXX Amount : {$470.00} Account name XXXX XXXX XXXX XXXX Account number XXXX Amount : {$500.00} Account name XXXX XXXX XXXX Account number XXXX Amount : {$790.00} Account name XXXX XXXX XXXX Account number XXXX Amount : {$1700.00} I do not have a contract with these companies and I don't owe the debt, please delete immediately. 
I am requesting a thorough investigation into these items, as they are not reported accurately. 
According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within XXXX  days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe.

If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as notify all parties who received my credit report in the past XXXX months. 
I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Opened an account with Gemini on XXXX XX/XX/XXXX. I sent them an image of my drivers license that day to begin the process of verifying my identification. While I was in the process of being verified, I was able to ACH {$500.00} a day from my checking account to my Gemini account so I made deposits of {$500.00} on XXXX, XXXX, and XXXX XX/XX/XXXX ( {$1500.00} total ). On XXXX XX/XX/XXXX, I received an email that there was an issue with the documentation I had submitted ( image of drivers license ) and I needed to go back to the site and resubmit it. I took a new photo of my ID and resubmitted. As I was trying to upload the documents the website said my account was closed. I then received an email also saying it was closed and to get my funds back I needed to contact XXXX. I have emailed that address and left messages through the websites help feature but have received no response as to why my account was closed or how I get my funds out of their exchange. The website offers no chat features to talk to a representative nor do they advertise a phone number for support.
Product: Debt collection

XX/XX/XXXX. email to company XXXX XXXX XXXX XXXX XXXX Hi , I called to get my account canceled in XX/XX/XXXX. I was under the impression your company was working for the government helping me pay off my student loans. I was scammed. Now I'm upset because it hit my credit score. However, I had no idea I was taking a loan out from your company. I need this off my credit and I need to speak to someone in higher management to reconcile this out. 
Please let me know what actions needs to be done to get this cleared up. 

Thanks. 

XXXX Texted me XX/XX/XXXX Telling me I have 72 hours to respond or they are going to a third party for collections. 

Emailed me yesterday XX/XX/XXXX You have Defaulted on your Student Loan Care/XXXX XXXX payment agreement. You have 72 hours to respond to this correspondence. We have attempted to reach you and receive approval for the XXXX XXXX loan forgiveness program offered in XX/XX/XXXX for past due XXXX clients that have a hardship, but since no response or attempt to postpone your payment has been given, your original contractual agreement will become effective immediately, and all past due, fees, payments, and interest will be solely your responsibility. XXXX XXXX and Student Loan Care reserve the right per agreement to utilize 3rd party collections which are included but not limited to legal, credit, and stage 4 collections. 

XXXX XXXX XXXX Student Loan Care LLC. 
Consumer Services Advocate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX P XXXX F XXXX E XXXX XXXX
Product: Debt collection

TRANSWORLD attempted to collect payment on an alleged debt that is not my obligation. They failed to send me notice of the 5 contents under 15 USC 1692g in their initial communication with me. They also obtained my private information from a previous company with out my consent. They are violating my rights under the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX -- I have a credit freeze which i placed in XX/XX/2019. I attempted to lift the freeze in XXXX, but the online portal would not let me do so. Said to call in, so I do and it says to go online and try there ... which sends me back to calling. And in all this, I CAN NOT get to a live person. No one calls back. I put in for a call back in XXXX at least once or twice, nothing. I need my freeze temporarily lifted and I do not know why Equifax can not have a live person somewhere available on a call ( that can help with FREEZES ), or get a call back. This is completely ridiculous. I froze my credit to keep me safe, not to make it difficult to ever use my credit again.