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

I took out a loan through Upgrade.com in XXXX. I filed for chapter 7 bankruptcy in XX/XX/XXXX and on XX/XX/XXXX, the debt owed to upgrade was discharged through my bankruptcy. The company was notified by myself and my legal representation, XXXX XXXX. They continued to harass me for payment even after it was discharged and then reported late payments for several months before selling off the debt to a debt collector. There is no way they should have been able to do this. I have the documentation from them about the debt being sold off and the bankruptcy case to support my statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX a many time to remove there negative reporting on my credit report I was told after I paid my charge off they would remove from my credit report which have not done as promised
Product: Mortgage

PREDATORY Lending by Lennar Corporation @ XXXX XXXX. 
Lennar Corporation Failed to Disclose Front Foot Fees and Water Quality Fees. XXXX XXXX  XXXX investments of Lennar corporation failed to highlight that I would have to pay {$750.00} annually for foot front fees. When I received the first invoice I sent an email to Lennar and inquired about the expense. I was then notified that I signed the ratified contract which had this agreement buried with other forms. Lennar should have been more transparent of this financial responsibility to the residents during the purchasing process.
Product: Credit reporting or other personal consumer reports

I recently went through my credit report and discovered multiple billing issues. The late payments shown do not correspond with my typical payment history.
Product: Money transfer, virtual currency, or money service

To whom it may concern I am filing a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices which violates the consumer financial protection act. Specifically cash app failed to take preventative measures against fraud which left my account unprotected.their dispute resolution is unfair as they didnt comply with error resolution requirements under the efta and regulation XXXX
Product: Debt collection

XXXX from CU Recovery ( a collection agency ) calls me multiple times per day, calls me during work hours, calls my work phone despite being sent a cease and desist letter on my behalf from XXXX on XXXX/2017 and also a cease and desist text from me personally on XXXX/2017 at XXXX a.m. that asks for communication via US Postal Service only. I received the latest call from him XXXX/2017 AT WORK ON THE COMPANY PHONE at XXXX a.m. ( He has spoken with my boss - the owner of the company in the past. )
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting late payments on my account ( Account # : XXXX ). In response to my dispute, they provided a transaction history, which lacks the required internal records or proof of late payments, such as notifications sent to me at the time of the alleged delinquencies. This fails to meet their obligations under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a denial from XXXX on a credit cart application. I contacted XXXX  and they told me that seone had applied using my driver 's license number and an XXXX email. I do not have an XXXX ail account. It resulted in an inquiry on credit. I did not apply for this. XXXX advised they could notify the credit agency to remove the inquiry. They advised me to call my local DMV because they used my license number. I did that. They also told me to come to this website to report it as a potential ID theft attempt. Thank you so much. XXXX XXXX
Product: Checking or savings account

I would like XXXX XXXX XXXXXXXX hold practices investigated. I think their practices may be biased and discriminatory ; intentionally delaying funds availability possibly leading to unpaid items and additional fees. I think BOA should be fined for this unfair business practice. 

XX/XX/XXXX I deposited a XXXX check that I received from my retirement account ( XXXX ). Initially there was no hold placed on the account, however the teller, did advise that the deposit XXXX go through an additional review and a hold may be placed in the account. 

XX/XX/XXXX I received a letter from Bank of America advising a hold was placed on my deposit because they received information indicating that the check may be returned. My deposit of XXXX will be available XX/XX/XXXX by XXXX local time. 

XX/XX/XXXX @ XXXX, I spoke with the branch XXXX, XXXX XXXX XXXX XXXX XXXX ). She read the notice and advised that Vanguards bank gave them this information leading to the hold. She advised me to call XXXX, get verification that the check cleared and I could speak with someone at XXXX, get them the verification and the hold would be released. 

XX/XX/XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX she verified that the {$9000.00} cleared their bank XXXX days ago XX/XX/XXXX. I did a XXXX way call between XXXX and Bank of America ( XXXX ) ( XXXX ) in hopes of getting my funds released since the check cleared Vanguards bank. 

XXXX advised that she cant review my account with a third party on the line so XXXX dropped off the call. I asked XXXX what was needed to verify and release the funds. She placed me on hold when she returned she advised that she would need to escalate this to the internal department to verify my account. They were verifying if Ive had insufficient funds, returned items, XXXX in the last 12 months, and a positive balance in the last 12 months. I asked what that had to do with the hold on my deposit. She advised it would be XXXX hours d escalation. I spoke with XXXX XXXX XXXX, she advised that she was reaching out to the analyst assigned my case but she was unavailable that the case should be reviewed in XXXX hours. XXXX hours is up to XX/XX/XXXX, when the funds should be released. 

As of XXXX est XX/XX/XXXX my funds are still unavailable after XXXX XXXX XXXX XXXX received confirmation from XXXX XXXX XXXX ) that the check cleared XXXX days ago. 
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Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a Collections account with XXXX XXXX XXXX XXXX ( Mobile phone account originally with XXXX ) opened on XX/XX/year>. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

i never recived a letter or a debit card from yall when i first filled for unemployment so now i have noway to claim my weekly benefits .... what do i do now?
Product: Checking or savings account

I received XXXX promotion emails, the first XXXX dated XX/XX/XXXX and the second on XX/XX/XXXX, along with an App notification from Chime ( XXXX XXXX XXXX  ). The promotion offered me, as an existing customer, to switch my direct deposit to my checking account with them by XX/XX/XXXX, and receive the second and third direct deposits, each within XXXX  days of each deposit, to get {$30.00} credited to my account. I completed all the required steps by switching my direct deposit and receiving the deposits of {$210.00} on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, etc. However, I have not yet received the promised bonus. 
After providing the details to Chime, they asked me to provide screenshots of the email that they sent to me ; in one of their email, they admitted that I should have received the bonus and asked me to contact their customer service to apply the bonus, however, after many call their customer service starts from step one ask me to provide the details and screenshot again and again in a non-ending loop and make false excuses, and does not apply the bonus. One of my case numbers with them is XXXX. However, they closed the cases after a while without any resolution or details provided to me. 
It appears the company uses false advertising to entice the customer to switch their direct deposit without fulfilling their promise.
Product: Money transfer, virtual currency, or money service

XXXX Transaction date {$390.00} {$490.00}. {$290.00} those are unauthorized transaction which is XXXX transaction from my Bank of America
Product: Credit reporting or other personal consumer reports

Information was involved in a data breach, along with the other 3,000,000 million people. My information was exposed in a data breach and I would like this issue resolved immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIANS UPLOAD SYSTEM DOES NOT FUNCTION.THEY REQUIRE TIFF OR PDF IM ATTACHING BOTH INVESTIGATION DOCUMENTS IN BOTH FORMATS
Product: Payday loan, title loan, or personal loan

I received an unsecured personal loan from Wells Fargo. In making payments on this loan I noticed that the loan interest and due dates would not reflect my payments. I approached my local Wells Fargo bank branch manager regarding the issue. After 2 weeks the issue is not resolved and I've been told that due to technical issues my loan issue has been escalated to the executive and technical branches of Wells Fargo. I was also told that I was not the only person experiencing this escalation of the technical issue. At this time I'm unable to make loan payments and the daily interest is unfairly accruing because I'm unable to make a loan payment.
Product: Credit reporting or other personal consumer reports

I received an alert on my credit monitoring company page that a new derogatory account was posted to my credit report by Uplift XX/XX/XXXX. It states that in XX/XX/XXXX I stopped paying. I reached out to Uplift because I was on an Uplift payment plan with them and already had verified I was current on the payment plan. The customer service rep says that it was out of her hands the misinformation because the account was now owned by XXXX and I had to contact them. I contacted XXXX who told me they cant do anything about what Uplift reported because they dont own Uplift, they just buy their accounts. I then called Uplift back and that rep told me to submit a dispute. My uplift account is from XXXX not XXXX. I have paid the account in full as per the agreement I had with XXXX. I have attached the payment plan as well as my successful payoff letter. This inaccuracy wrecked my credit by XXXX points. I have worked very hard over the last 2 years to pay everything on time and in full, only to have a lie posted to my transunion report and kill my credit. I have disputed this twice and uplift makes no adjustments at all.
Product: Credit reporting or other personal consumer reports

This is a formal dispute to dispute inaccurate information regarding an account reported by Radius Global Solutions on my credit report. This account contains erroneous details that violate the Fair Credit Reporting Act ( FCRA ) requirement of maintaining maximum accuracy in credit reporting. 

The account in question is detailed as follows : Account Name : Radius Global Solutions Original Creditor : Radius Global Solutions Open Balance : {$240.00} Date Opened : XX/XX/year> Account Status : Open Upon reviewing this account, I have identified the following inaccuracies and issues : Discrepancy in Account Status : The account is marked as " Open, '' yet the remarks section states " Dispute resolved; reported by grantor. '' If the dispute has been resolved, the account status should not remain open unless verified with updated and accurate information. This inconsistency needs clarification and correction.

Lack of Account Type Specification : The account type field is blank, providing no information about the nature of the debt. This omission prevents me from understanding the validity of the debt and violates the FCRA requirement to furnish complete and accurate information.

Validation of Debt : To date, I have not received any validation or verification of this debt from Radius Global Solutions. Without proper validation, the reporting of this debt is potentially inaccurate and in violation of federal regulations. 

These inaccuracies create significant confusion and undermine the accuracy of my credit profile, directly impacting my creditworthiness.
Product: Checking or savings account

Hello. 

I've been a customer of Wells Fargo for about five years in DC. 

Recently when I called the automated line they asked me to say my name in order to record it and use it for identification/security purposes. I don't feel comfortable with that because I don't think it's respectful of privacy and I didn't. They put me through to a customer service agent on that call. 

About a month later I called again and this time their automated system would not put me through without me saying my name. This was never asked of me in the past five years. I managed to get through anyway by pressing zero about ten times and made a complaint to them about requiring my name to be said and about trying to get and use my bio-identity without my permission. 

I called them again recently to return the call of their rep who had left me a voicemail. I had deleted the vm by mistake and forgot the caller 's name and this time they required me to say my name before they would look at my account or before they would speak with me. I refused and asked to speak with a supervisor and the supervisor also refused to speak with me without me saying my name. 

She then tried to get me to say my name in a sneaky way, by saying she needs me to say it in order to continue speaking with me and when I asked her if it was for bio-identity purposes she denied it but she would not settle for me spelling my name. She also engaged in other mildly sneaky or disengenous behavior I feel. 

I am going to close my account because this is a dealbreaker at this point but I find it hard to believe that this kind of behavior is legal. 

I would hope that you will prosecute them if it's not legal behavior. Would you please inform me whether what they are doing is legal or not? 

Thankyou very much, XXXX XXXX
Product: Debt collection

Yesterday XXXX-XXXX-19 a process server brought a summons to my house to get a response. The summons is for Arvest, however the debt is for Security Bank Card. I have never received any prior communication of this debt from this company. In fact it is still showing in good standing on my credit report. Per Collection laws they must give me prior notice of intent to take me to court. This is par for this company and I am filing another complaint on their practices as well. Also filing claim under Arvest when it is Security Bankcard center is another violation of the Collection laws. Misrepresentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my consumer report with XXXX, XXXX, and Transunion consumer reporting agencies, there is inaccurate information being reported. According to the ( FCRA ) Fair Credit Reporting Act, it is your responsibility to ensure the accuracy and fairness of credit reporting. I discovered these inaccuracies when I checked my consumer report on XX/XX/XXXX on the websites of each consumer agency. My address, incorrect employment name, and date of birth are all reported incorrectly. Along with this complaint, I have attached a letter that I sent to all three consumer reporting agencies on XX/XX/2023 through the USPS mailing service, and the letter was sent certified, containing the accurate information that should be reported on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE HAS USED MY INFO. TO OPEN A ACCOUNT WITH THIS COMPANY ( XXXX XXXX XXXX XXXX ) THIS IS NOT MY LOAN .. PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C 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: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

To start, I have repeatedly asked Wells Fargo reps to opt me out of overdraft protection ( as I had been repeatedly enrolled into it automatically ). This finally happened last year when I was told that occasionally charges would still go through ( due to " systemic '' issues ), and if that were to happen, I should come into the branch to get any overdraft charges reversed. This happened once on XXXX, three times on XXXX, and twice on XXXX. I went into the bank to get these overdraft charges reversed and was told something new, that overdraft protection only applies to charges that are made from my debit/credit card and not to charges routed through the bank account like checks. Since the charges were made from my XXXX card, which routes through my bank account, my account was overdrawn. Additionally, after Wells Fargo initially approved the charges ( against what I had been told would happen ), they then cancelled the payment the following day. When I asked why the bank first approved the payment and then cancelled it, I was told by a rep that Wells Fargo " tries to be helpful '' by " giving me until the end of the day to cover the cost of the charge. '' When I said that first approving the charge and then cancelling it was not helpful ( I would have no reason to put money into the account if it is not supposed to be overdrawn, and in this case I was not notified that an overdraft charge was approved until the next day ) I was told, " That is how banks work. '' When I pressed on this issue, and asked why does n't this bank just not approve charges if there is no money in the account, I was told " That is just not Wells Fargo 's policy. '' It got even worse from here - after Wells Fargo initially approved and then cancelled the payment, XXXX ran the same XXXX transactions, which were again approved, again incurred fees, and again cancelled at the end of the day. This racked up a total of {$350.00} in overdraft fees, only half of which the bank reversed.
Product: Credit reporting or other personal consumer reports

Subject : Intent to File Lawsuit for Violation of Rights under the Fair Credit Reporting Act Dear Credit Bureau I am writing to formally notify you of my intent to file a lawsuit against this Credit Bureau for violations of my rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year> I submitted a request through the Consumer Financial Protection Bureau ( CFPB ) website, asking for the method of verification for an account that is inaccurately being reported on my credit report. As per the FCRA, you are required to provide this information within 15 days of receiving such a request. However, more than 30 days have passed, and I have not received any response or the requested information from your company. 

Your failure to comply with the FCRA not only impacts my credit report but also causes unnecessary stress and harm. The law is clear on your obligations, and your lack of response is a direct violation of my rights under federal law. 

The Fair Credit Reporting Act clearly states that if the credit bureau is unable to provide the Method Of Verification within 15 days of the request been made and received then the account must be deleted from the Consumer 's account. A failure on the part of the credit bureau to follow the law is a violation of my rights under the Fair Credit Reporting Act for which I may claim damages. The account in question that the method of verification was requested is that of a account listed on my credit report as Conserve. I list below a copy of the Fair Credit Reporting Act as it pertains to the method of verification request.

FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ) : This section requires that if a consumer disputes the accuracy of information in their credit report, the credit reporting agency ( CRA ) must reinvestigate the matter. Upon completion of the reinvestigation, the CRA is required to provide the consumer with a written notice of the results, which should include a statement that the reinvestigation is complete and a description of the procedure used to determine the accuracy and completeness of the information. This must be done within 30 days of receiving the dispute. 
2. FCRA Section 611 ( a ) ( 7 ) : This section provides that if the consumer requests, the CRA must provide the consumer with a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information. 
Penalties for Violations : The penalties for violating the FCRA can include actual damages, statutory damages ranging from {$100.00} to {$1000.00} per violation, and punitive damages in cases of willful non-compliance. Consumers may also recover attorney 's fees and court costs. In cases of negligent non-compliance, the consumer can recover any actual damages sustained. 

I urge you to take this matter seriously and resolve it promptly. 

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

When checking my report I saw that there are accounts still being reported that where previously disputed due to fraud. These companies received documentation that these were erroneous charges being reported due to identity theft and still did not act to remove the accounts in question from my credit report. This has caused emotional strain and has been extremely time consuming for me to continue to request that these accounts be removed. I would like to see penalties against the companies involved for failing to investigate claims of identity theft and for the emotional stress that this experience has caused. These companies failed to verify information given to them. DISCOVER CARD IS REPORTING INCORRECT INFORMATION IN THE AMOUNT OF ( XXXX ) INCLUDING THE WRONG SOCIAL SECURITY NUMBER WHICH DOES NOT BELONG TO ME. XXXX XXXX XXXX XXXX IS REPORTING A {$150.00} Open balance FOR XXXX XXXX XXXX a creditor they claim to no longer be collecting for yet the information is still on my reports, there has been no efforts made to remove them. 
I am once again requesting immediate removal of these fraudulent accounts. Not for them to just sit in Dispute status.