23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I believe that this collection account should be removed for the following reasons : This collection is reporting an amount that is incorrect such as {$250.00} & {$290.00}. It shows different opened dates & last reported dates. It also says the account has been paid on XXXX. The debt was settled but the collection account was not updated to reflect this. 

I have previously attempted to resolve this matter directly with the collection agency, but to date, it remains unresolved. Enclosed, I have included supporting documentation to back my claim. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) review this issue and assist in removing this erroneous collection account from my credit report. I believe that this issue is preventing me from having an accurate credit report and is adversely affecting my credit score. 

Thank you for your time and attention to this matter. I would appreciate your prompt response and assistance in resolving this issue.
Product: Payday loan, title loan, or personal loan

I have been a customer at Cash 1 for many years. I have paid off loans with them, paid numerous payments on time. When I ask why my credit line never gets extended to a higher limit they alway tell me me its computer based and never had a satisfying explanation. This is what has happen my mom has a XXXX  XXXX  XXXX. She owes XXXX on her car, she pays her payments every month as I do. In fact mind comes directly from my employer. And its always double the minimum payment. My car is worth more than my mom 's but they seem to always increase her line of credit and not mine. To me this makes no sense. In fact I earn about XXXX to a XXXX dollars more than she does as well. Im looking for answers in there lending practices. It clearly unfair practices.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report incorrect information on my consumer report that is causing me harm due to it not being accurate my name is XXXX XXXX there should be no other names listed on my report. My only address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX this is my only address and any other address is incorrect and should be immediately deleted.
Product: Checking or savings account

I opened a Chime Bank account in XXXX of XXXX. I immediately was locked out. I immediately emailed for assistance. It took several weeks to receive a response. They asked me to respond with sensitive private documents via email. I refused due to security concerns and asked for a secure portal to upload them. Any legitimate company, ESPECIALLY A BANK, should have a secure portal to upload documents. It took 5 months to finally receive a response from a " representative '' who provided a fake invalid link. I responded multiple times that the link does not work and they need to provide a valid one. I kept getting the same copied and pasted response. I feel this company is a scam and have asked them to close my account and delete all of my information NUMEROUS times but they refuse to. 

I filed a complaint with the XXXX where they continued to copy and paste the same response their bots emailed to me and it closed without resolution. The company is refusing to close my account. IT IS MY LEGAL RIGHT TO HAVE MY ACCOUNT CLOSED.
Product: Student loan

For about the past two years, Navient ( XXXX ) has been " accidentally '' applying my payment to the wrong loan. Monthly, I pay one of my private loans that my uncle has co-signed so I do not default on the loan and mess up his credit. Navient states that if you pay on time on a loan consecutively for a year, you can possibly remove a co-signer from the loan. I want to remove my uncle as a co-signer, so I tried to pay the monthly fee on that loan on time for two years. Whenever my last month of paying on time comes, I call Navient and pay over the phone, thinking I am paying on the co-signed loan. A few days later, I get a call saying that the payment is past due. I call Navient stating that I already paid on the loan, but they tell me that my payment was " accidentally '' applied to another loan. They tell me that they can not reapply the payment to the correct loan and that I have to pay again. I ask them if I would still be eligible to release my uncle as a co-signer from the loan because I would have paid consecutively on the loan if it was not for their fault. They tell me that I have to start the whole process again. I tried to pay consecutively on the loan for two years, and each year the same incident happened. It is not fair and unjust.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

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

in accordance with the fair credit reporting act XXXXXX/XX/XXXX acc # XXXX XXXX XXXX which was said to b opened XX/XX/XXXX XXXX 2022 has violated my rights. 

15 U.S.C 1681 section 602 A states I have a 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: Checking or savings account

FIRST ISSUE : I transferred {$37.00} to my cashapp on XX/XX/XXXX. My bank, XXXX, sent me a statement reflecting CashApp receiving the transfer of {$37.00}. Cashapp sent me a form letter over and over again each time I contact them. 
SECOND ISSUE : I am exhausted with XXXX XXXX since XXXXan Hurricane. I am disturb with your service. My latest issue with XXXX is expired XXXX transfer to another XXXX Account. So, I transferred of {$45.00} to XXXX XXXX XXXX account ( XX/XX/XXXX ). It was my mistake that I transferred funds to an expired XXXX XXXX, should have known. I am puzzle why the transfer complete thru an expired card?? It should have decline the transfer!! XXXX XXXX ( my daughter ) have not using her XXXX card for years. During to request replacement card, XXXX and I spoke to several representative ( s ) decline the replacement card due a damage ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX ), can not see it, rubbed off numbers. Plus, we dont remember were we were living when XXXX XXXX using her XXXX. Now, we are attaching documents the representative ( s ) to confirm our identity! I questioned the information they requested : driver license, lease, utilities bill to get a REPLACEMENT CARD to receive my {$45.00} dollars back. 

SECOND ISSUE We lived in XXXX XXXX, FL at time when Dorian Hurricane hit the XXXX  Coast. XXXX and I was in the living an hotel to shelter from the hurricane, State Emergency. The whole episode was and is deplorable! First, XXXX XXXX debit my card several times during our visit. I contacted XXXX regarding XXXX XXXX on my account when we check-in XX/XX/XXXX, they submitted late which default my account. You denied me and XXXX XXXX did again. The reservation clerk run my card for {$79.00} and some change, well, she failed to type in the right amount. So, my daughter, XXXX XXXX, paid the {$79.00} same day, hours, seconds. XXXX XXXX failed to credit my funds {$69.00} and change due her ( reservation agent ) error. I contacted XXXX investionate my dispute. I have evidence reflecting her error, XXXX denied my dispute claiming that XXXX XXXX will not give XXXX the information of the transaction. And you know what happens when all those errors do to my account?? It negative all over the place!!!!!!! My work check was debit due XXXX XXXX inept reservation agent, and you allowed all of it. Money was limited due the State Emergency yet, XXXX let them get away with it. I want to get my money back, you dropped the ball. I attaching everything I think you need. Any questions or concerns reply this email or calll me at ( XXXX ) XXXX. Thank you.
Product: Debt collection

XXXX Radius Global Solutions, I told them that I didn't owe the debt. I have been constantly harassed and disrespected.
Product: Payday loan, title loan, or personal loan

I received an email from the Lending Club on XXXX XXXX, XXXX that my loan application was being denied due to inadequate income. The problem is I did not apply for a loan. This was a total surprise. I called this company on XXXX XXXX, XXXX and XXXX, XXXX. I currently have a loan opened in XXXX XXXX. I requested a copy of the loan application which they were unable to produce. The big 3 credit bureaus were contacted and have security freezes and fraud alerts on my accounts. The fraud unit of Lending Club sent a report I can fill out for law enforcement. The claim is I checked the loan rates on XXXX XXXX, XXXX which I did not. I live alone with my puppy. No one else has access to my computer. Since no proof could be furnished of loan rates being checked, other consumers should be aware of questionable practices of Lending Club. From what I have read online, this situation has happened to many people. If I had known how this company operates, I would not taken a loan from them.
Product: Payday loan, title loan, or personal loan

I applied for debt consolidation loan but they denied it instead they put me in structured loan payment. They discussed to me whats only is good like my monthly payment will be lowered and i will only have 1 monthly payment since the existing loans will be paid off. And they also advised me to stop all my automatic payments right away. 
In their email they said someone will call me to discuss the welcome packet bug nobody called me to discuss it. There was only a lady who called me to set an appointment. 
But then they already charged my bank account of {$270.00} without discussing anything. 
One of my lenders called me and following up about my monthly payment since I already canceled my automatic payment. And they said that nobody from Alleviate contacted them. And if I cancel my automatic payment and will not pay, they will charge me late fees. And Instead, they were the one who called Alleviate. 
When I called Alleviate what happened, they told me that I need to have 55 % fund first before they can offer my 2 existing lenders a pay off. Meaning Alleviate will charge me first monthly before they can negotiate to my 2 existing lenders. 
Now, I want to cancel the Alleviate because of misinformation about the 55 %, XXXX XXXX said that they can not give back the full refund of {$270.00} because they paid for legal fee of {$250.00}. He said they only have {$5.00} in my account and thats the only amount they can refund. I told him that information wasnt discussed to me either. He said I signed it in their contract which by the way never discussed to me in full details again. And they only discussed to me the information that are good to hear. 
Of course I will sign the contract because they only discussed to me the good side of the contract and told that is what written in the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been victim of fraud someone open a XXXX  card account in my name and its reporting negatively on my credit report. The other bureaus has fully complied and removed the account accordingly. XXXX and Experian has yet to provide me with any signature for this accused debt at all. A bill without a signature does not validate the debt anyone can send bill and say its mine. Which is unfair. According to the FCRA, XXXX and Experian has violated my rights as a consumer and Im requesting legal action to this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX Balance : {$170.00}, XXXX XXXX XXXX : {$100.00}, XXXX XXXX Balance : {$67.00}, XXXX XXXX Balance : {$5600.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX : {$210.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1100.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Mortgage

Since XX/XX/2019, a complete package has been sent to SPS to apply to the Short Sale. From that moment on every time we call, SPS states the file is complete, there is a missing document or the submitted documents are not reflected in their system. We have confirmed emails and faxes that they received the requested documents. Essentially, they continue to play the game of we have what we need to move forward then we call the following week and they state they are missing a document which we resend. They then confirm receipt followed by another week passing and we call and they state they are missing the same document which they just confirmed receipt. 

On XX/XX/2019 the bank informed me that the Short Sale was approved and that we should wait for the approval letter. 

On XX/XX/XXXX they reported that the letter was not ready and that we should continue waiting. 

On XX/XX/XXXX, they started again requesting documents and the request XXXX with corrections, which I never understood because everything was supposedly already approved. 

On XX/XX/XXXX, SPS sent me a letter asking for documents again, some of them did not apply to my file and others had already been sent. Nonetheless all requested documents were resubmitted on XX/XX/XXXX. 

On XX/XX/XXXX, SPS stated that nothing more was needed and everything was again complete for review. However, on XX/XX/XXXX, SPS stated that I had to resend documents that they had since XX/XX/2019. 

Although there is no sale date schedule, this process with the bank is being too exhausting both mentally and physically for me and my family. The game they are playing is not right and not fair. They can't continue to tell me it's approved then state it's not, then state it's approved again. I will lose the buyer soon and need Help. Please stop this short sale Yo-Yo. If they continue this behavior, I will lose my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX is inaccurately reporting a balance of {$310.00} not owed nor verified if owed and have made multiple attempts to request verification plus proof via documentation as well as an investigation that I owe this balance
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello - My credit score is showing that i a ding on it for over XXXX from a house that i sold in XX/XX/2017. This needs to be completed asap as it is effecting my over all credit score. This attachments are listed with the name of the company that handled my paper work.
Product: Credit reporting or other personal consumer reports

I AM APPLYING FOR A MORTGAGE AND THE MORTGAGE COMPANY SAID THAT XXXX XXXX XXXX AND XXXX CREDIT CARD IS REPORTING TO THE CREDIT BUREAUS MY LAST LATE PAYMENT WAS AS OF XX/XX/XXXX AND THIS IS INCORRECT. 

REMOVE THIS STATEMENT AND UPDATE THE CREDIT REPORTING THAT THE LAST PAYMENT MADE TO THESE XXXX AND XXXX CREDIT CARDS WAS IN XXXX.
Product: Mortgage

This is my fourth complaint against US Bank regarding XXXX Advances charge. US Bank responded to my first XXXX complaints and I found the response to be unacceptable. This complaint should be sent with Complaint No. XXXX. 

Specifically, US Bank states in their XXXX XXXX Letters : " If we did not know the last amount of insurance coverage you had. We purchased coverage in the amount of the unpaid principal balance of your account on the date we requested insurance to begin. '' Per my previous complaints, my loan with US Bank is a XXXX. In accordance with XXXX and XXXX regulations US Bank is not allowed to charge insurance premiums for amounts higher than the unpaid principal. 

Especially, if they claim the XXXX XXXX XXXX only covers the bank 's interest. 

In XX/XX/XXXX my loan balance was {$16000.00} and US Bank 's bank coverage was for {$130000.00}. The policy premium was {$1100.00}. 

In XX/XX/XXXX my loan balance was {$14000.00} and US Bank 's coverage was for {$130000.00}. The policy premium was {$1200.00}. 

In XX/XX/XXXX my loan balance was {$12000.00} and US Bank 's coverage was for {$140000.00}. The policy premium was {$1100.00}. 

Note, I do not have the declaration letter for the XXXX policy coverage that cost {$1100.00}. 

Furthermore, US Bank paid " XXXX '' policies in XX/XX/XXXX and XX/XX/XXXX XXXX months after the fact.
Product: Mortgage

We missed our first closing date on XXXX because Citi, our mortgage lender, failed to request documents from the HOA until XXXX business days before closing. My husband had to step in and manage the document collection process on behalf of our lender. We also missed our second closing date of XXXX purely because of Citi. On the day of closing, when I went to transfer my downpayment, the full amount of which was held in my Citi checking account, I was told there was a $ XXXX wire transfer limit. ( Our downpayment is XXXX that. ) We were on the phone with various representatives of Citi for XXXX hours that day and no one was able to find a solution. ( We only received our closing documents the prior afternoon, so there's not much I could have done to get ahead of this. ) Our loan XXXX did not walk me through the closing process, and on the day of closing, was totally XXXX. ( His boss and boss 's boss were also unavailable. ) Calls and emails went frequently unanswered throughout the entire process. Teams seemed to operating oblivious to our timeline, and did not seem to be communicating with each other. Very few people I talked to at Citi were accountable and no one assumed ultimate responsibility. It has been XXXX weeks of sheer XXXX and totally avoidable stress. I would not wish this on anyone.
Product: Checking or savings account

The company called transferwise delayed my transfers for upto 3 weeks without any tangible reason. This caused the death of my XXXX XXXX XXXX brother in law that was under my care in the hospital. They closed my account due to my further complaints and a request for a compensation. They already know. They should remedy this situation before it goes out of hand.
Product: Credit reporting or other personal consumer reports

I received my credit report and noticed some in accuracies on it. My profile was recently in a data breach. I need these collections account removed under 15.U.S.C.1692C.

I demand the following accounts be verified or removed immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX NUMBER : XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract all accounts you post on a credit report. Otherwise, anymore paying for your reporting services could fax, mall or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit reporting agency, Equifax, to correct this account- XXXX XXXX XXXX XXXX XXXX, because the balance is being reported inaccurately ( {$81000.00} ) even though the account is closed and paid in full. I verified this information with the lender. 

Equifax will not investigate. They have not provided me with any proof or reason why they continue to report a balance on this account, when there is none. Equifax sent me a letter stating that they modified the " closed date '' but they did not. ( see attached document from them ). 

They will not provide me with any proof for reporting a balance on this account, which is closed and paid in full.
Product: Credit reporting or other personal consumer reports

I didn't give written consent to TranUnion to furnish this info on my consumer report
Product: Debt collection

I just recently started getting calls from this company, when they call they do not identify the company they work for and they do not tell me what they are calling for they just say debt. I am at work when they call, I asked them on XX/XX/18 to cease calling me and to make all attempts to contact me cease. I have not gotten any letters for collections owed in the mail and i have lied here for 5 years. They keep calling me, repeatedly and I am now making this a formal request to cease contacting me, I will make complaints with the XXXX and the FTC if this keeps going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Equifax requesting that they correct these erroenous accounts being reported on my File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue Equifax for their willful non-compliance of the FCRA statute. Only if the Credit Bureaus chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Late Dates XXXX XXXX XXXX XXXX XXXX XXXX Late Dates XXXX, XXXX - XXXX XXXX XXXX Late Dates XXXX, XXXX - XXXX XXXX XXXX