23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection : XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX, HI XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX, HI XXXX Also Known XXXX : XXXX, XXXX, XXXX Name XXXX XXXX XXXX
Product: Bank account or service

I visited the MB branch in XXXX on XXXX and XXXX XXXX on Monday, XX/XX/2017. I am a XXXX representing a XXXX and I needed to go there to deposit money for the XXXX XXXX XXXX XXXX. The XXXX has a partnership with MB Financial Bank to assist with our counting and depositing of coins, dollars and checks from my XXXX. However, my experience was not pleasant. In particular, I had interactions with XXXX XXXX & XXXX XXXX, two of the tellers at the aforementioned location. Here is what I experienced with these two individuals : 1. Neither employee claimed to have any knowledge of said partnership with my charity. Furthermore, they did not make any attempt to familiarize themselves with my situation. 2. I asked them for a cart to transport the 30+ boxes of coins from the trunk of my car. They reported that they did not have any such cart/dolly. 3. I asked them to help me transport the boxes then ; they said 'no. ' They told me I had to carry the boxes " one by one '' from my vehicle. 4. I was denied access to their coin counting machine. 5. There are no phone numbers for individual bank branches ; let alone specific employees. 6. My overall experience was that these particular employees were rude, unprofessional, and made no attempt to accommodate me. Very disappointing & disturbing to be treated this way ; my only purpose to frequent their establishment was for the purpose of charity & I was not helped at all.
Product: Credit card

They closed my account and cancelled the rewards that i have earned by using the card. they said because they cloesed my account they canceled my rewards that i have earned and promised by bank.
Product: Credit card or prepaid card

I've been attempting to get a replacement card from fortiva credit card for months now. I now have to reach out to you guys because fortiva credit card company has been screwing me around with a replacement card for months. I believe it all started back in XXXX maybe XXXX and I had reached out here and there in attempts to get my card replaced I'm very upset I am a XXXX vet who served in the XXXX XXXX I'm diagnosed with XXXX and XXXX XXXX syndrome. The last thing I wanted as a small business owner is to be ignored by my credit card company where we have a contract for services. It is now come to a point where I have to involve the CFPB to get to comply with the original contract. 
I have made attempts to resolve this with them in the past but the only documentation I have is on the XXXX of XX/XX/XXXX of XXXX. In between those dates I had also made two phone calls, unfortunately I do not recall those dates. 

Thank you
Product: Vehicle loan or lease

I have been asking since XX/XX/XXXX to defer payments due to covid19. I was told my loan was too new and ineligible for deferment. My hours were reduced on XX/XX/XXXX and my office closed on XX/XX/XXXX. I put down XXXX at the end of XXXX to purchase my car and made my next payment on XX/XX/XXXX. I am on biweekly payments and was unable to make a payment. I had a payment due Friday and Friday night my car was repossessed. Its going to cost me over XXXX to get my car back. I cant even put into words what Im feeling. The entire world is facing disaster. My state is under a state emergency. How was there no leniency regarding this? My balance due was {$320.00} and I was not even 30 days behind. The last four of my social are XXXX. Please. Please have someone look into this for me. I need my car. Please tell me this company can not be so heartless to repossess anyones vehicle during this time? Ive been calling twice a week sinceXX/XX/XXXX XXXX. Im reaching out with genuine sincerity in hopes of resolving this issue and getting my car back without suffering the outlandish repossession fees. Please help. You should feel ashamed. A human made the decision to take my car from me. How incredibly disheartening. # XXXX  # XXXX  # XXXX  # XXXX  # XXXX # XXXX  # XXXX  # XXXX # XXXX  # XXXX  # covid19 # coronavirus # repossesion # wheresmyeconomicassistance # XXXX  # thieves # covid19unemployment
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I submitted disputes to XXXX, Equifax and XXXX requesting the deletion of all medical collections from my credit report and Equifax assigned dispute # XXXX. I submitted another dispute XX/XX/XXXX and was given the same dispute # from Equifax which lead me to believe nothing had been investigated and nothing was going to be investigated. I attempted to access the link that they sent me and upon troubleshooting multiple times kept getting the error message " Sorry for the inconvenience, currently service is unavailable. Please try again later. '' I submitted another dispute just recently to see if that would work and the only thing that it did was finally create a different dispute number but the link for status still does not work. I contacted their office and was told the information could be given verbally and could not be sent via email only by mail. When asked why a result email option would not be available, wasn't provided any additional details. Tried calling this morning XX/XX/XXXX and was looped around the system for 45 minutes. After the system hung up on me, I called back and was told that their systems are updating so I would have to call back in 30 minutes to an hour. This lack of investigation is hindering a refinance and should have been completed in XX/XX/XXXX so we would not have reached this point. The service that I have received thus far is a complete joke.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX, I received a notice from BAM Trading Services Inc, d/b/a Binance.US that reported suspicious account activity and recommended that I disable my account for security purposes. I followed the recommendation, and after a few weeks attempted to reactivate my account. My intention was to move my funds to a safer location and increase the security on my account. However I could not reactivate my account, and despite multiple support requests to Binance.US on XXXX, XXXX, XXXX, ( and today XXXX an attempt for a virtual chat seeking a live agent- there are none ). I have had no response to my multiple tickets submitted for reactivation of my account, save automated Bot responses that report the request has been received and my multiple requests have been merged into a singular ticket, pending since XX/XX/XXXX. I have no update as to the status of my request and my several thousands of dollars are locked in my inaccessible Binance.US account for months. I have read the FAQ and taken appropriate actions as recommended by Binance.US to restore a XXXX account. 

I am seeking the help of CFPB to motivate Binance.US / BAM Trading Services to assist me in accessing my account and funds. I was a member of Binance since XXXX and migrated my funds to Binance.US this year with US regulatory changes, unaware that this total lack of customer service response is a pervasive issue for US customers.
Product: Debt collection

I am writing once again to bring to your attention a persistent issue I have encountered with LVNV Funding LLC, also known as Resurgent Capital Services, which has adversely affected my credit profile. I want to highlight that I lodged a complaint with this firm ( CFPB ) on multiple occasions. However, the responses from LVNV Funding have lacked credibility, and my request for a signed contract has been met with an unsigned duplication from 2018. Moreover, the statements provided have not shown specific charges or any acknowledgment from me regarding the account in 2018. 
Despite my efforts to resolve this matter through various channels, it seems that, as a consumer, I have limited rights or advocacy. It appears that as long as the company responds, regardless of the validity or accuracy of their response, they can continue to adversely impact my credit. Even XXXX, the credit bureau XXXX, acknowledges the questionable practices of LVNV Funding but claims to have no alternative but to report the information provided. 
I want to emphasize that XXXX is the only bureau that persists in reporting inaccurate information despite my repeated attempts to obtain the requested information. In contrast, both XXXX and XXXX have ceased reporting this matter, acknowledging its unfounded nature and the unethical practices involved. This disparity underscores the urgency and significance of promptly addressing this issue. 
I am reaching out to you with the hope that you can once again discern the gravity of my situation and may be able to provide assistance and advocacy on my behalf. It is disheartening that, thus far, no one seems to care or offer guidance in addressing this concerning situation, allowing this company to persist in its questionable practices. In my pursuit of support, with the ultimate goal of having this unsubstantiated debt removed from my credit profile, I have also sought assistance from the Office of the Attorney General and the U.S. Government XXXX XXXX. My commitment to raising awareness on this issue persists, not only for my own resolution but also for others who may have fallen victim to the unethical practices of LVNV Funding.
Product: Checking or savings account

Today at XXXX XXXX  XXXX someone opened an XXXX Checking account in my name. At XXXX XXXX  XXXX I received another email with this information where they logged in Device : XXXX XXXX - Chrome When : XX/XX/year> at XXXX XXXX XXXX then at XXXX XXXX  XXXX I received another email stating Your Online E-mail Address Change on the account. I did not setup the account or request the email address change. I called XXXX and spoke with there Fraud Department and was told that the account was indeed opened today no transaction had taken place the account was closed and they would report that the information be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX || Account # XXXX XXXX XXXX XXXX XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Statement I have been XXXX  for 5 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries on my credit report that i wish to be removed : XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX , XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, All the above inquiries is unauthorized and should be disputed from my XXXX  Report and all 3 Credit Bureaus XXXX XXXX And TransUnion Under the laws of the FCRA ( 15 USC 1681-1681u ) these unauthorized inquiries and accounts must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX XX/XX/XXXX US DEPT ED XXXX XX/XX/XXXX US DEPT ED XXXX XX/XX/XXXX US DEPT ED XXXX US DEPT ED XXXX XX/XX/XXXX US DEPT ED XXXX US DEPTED XXXX XX/XX/XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XX/XX/XXXX US DEPT ED XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX USDEPT ED XXXX XX/XX/XXXX US DEPT ED XXXX XX/XX/XXXX
Product: Debt collection

I was contacted by this company several times in XXXX, stating that I had an old debt through a company I had not heard of. I asked for Debt Validation and Verification of Debt, I was told they weren't not required to provide and that if I didn't setup payments today they had a certified letter ready to go out in my name to my home to take me to court. I stated that I was happy to setup payments to handle a debt if the debt was valid and mine but I needed a Debt Validation and my law, they are required to provide one. They became extremely nasty, XXXX XXXX and a manager by the name of XXXX. 

I then stated I was calling the original creditor they noted to try and find debt validation, they got even more rude and nasty. I hung up, called them and that company stated I didn't owe a debt to them and didn't have an account with them in the past. I called the other company back who stated they could close my file once I told them this information. However today, XX/XX/XXXX, they have started calling me again, stating a letter will come to my home or place of employed to take me to court. Once again, they are refusing to provide a Debt Validation or Verification of Debt for me to verify once and for all if this debt is valid and mine.
Product: Credit reporting or other personal consumer reports

I hereby submit this formal complaint against EQUIFAX, expressing my profound dissatisfaction with their oversight in permitting fraudulent accounts to tarnish my credit report. Having initiated an FTC report with the corresponding identity theft report number XXXX, I am dismayed to discover that these fraudulent accounts persist on my credit report despite my efforts. My expectation was rooted in the belief that EQUIFAX would serve as a stalwart guardian of my personal information, ensuring the delivery of precise and secure credit reports. Regrettably, this breach of trust has left me questioning the reliability of their commitment to safeguarding my financial standing.
Product: Checking or savings account

a set of checks for Business rent was sent out via mail to the landlord around XX/XX/year> and the landlord never received the mail. Therefore, I checked my bank account and saw nothing had been posted so I sent the rent to the landlord via XXXX instead. Then later my CPA noticed that an unknown check had been processed and asked me for clarification. After investigation, I discovered that someone whited out the " Pay to the order of '' and the " For '' section of the check and deposited it into XXXX XXXX on XX/XX/year>XXXX  and it was processed. Therefore, I filed a check fraud claim to Bank of America but it was not honored because it was past 60 days.
Product: Credit reporting or other personal consumer reports

My account withFIRST INV SERVICING CO was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


FIRST INV SERVICING CO Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently moved to California and was in the process of switching to a new Credit Card. I called to cancel my XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was under the impression it was canceled. However, it was not and there was still a XXXX $ balance on the statement that went unpaid for 60 days. This severely hurt my credit and since I had moved to a new address the mail had not reached me in time to pay this on time. I have now paid all debts and closed all XXXX XXXX accounts. 

I have NEVER missed a credit card payment until now and as a result all of the " Big Three '' credit bureaus have lowered my credit score by 123 points which has not put me at a " fair '' rating. I view this as highly unfair and furthermore it makes the process of buying a house in my new city extremely more complex. 

I would like to understand what my options are to fix this since I have maintained a pristine credit report up until this time. 

Best, XXXX XXXX
Product: Debt collection

I received a debt collection letter in the mail today from Unifin. The letter shows XXXX XXXX XXXX  as the original creditor, and XXXX XXXX XXXX as the current creditor. The letter does not include the required statement that I have the right to dispute the debt. It only states that it's an attempt to collect a debt, and also that the statute of limitations has expired, so I can not be sued for the debt.
Product: Credit reporting or other personal consumer reports

please take off these address i sent a complain about a year ago and no actions have been taking. please delete these addresses from my credit profile. 
XXXX XXXX XXXX XXXX md XXXX and XXXX XXXX XXXX XXXX XXXX, GA XXXX also XXXX XXXX XXXX Only right address is XXXX XXXX XXXX XXXX go against Accuracy and Integrity : The Fair Credit Reporting Act ( FCRA ) in the United States requires credit reporting agencies to maintain accurate and up-to-date information in consumer credit reports. This includes ensuring that addresses associated with an individual 's credit report are correct.
Product: Debt or credit management

Base on my credit profile i notice unknown items on my credit report. 
please note that I was never served or mail any info regarding my credit report.
Product: Checking or savings account

I have multiple savings accounts with Bank of America, and a checking account with overdraft protection. When I opened the savings account, Bank of America gave me checks to draw off of that account, and a term of the contract was that I could write checks off the account. 

Last week I used one of those BOA checks to draw {$100.00} from the account as a gift. Despite there being more than enough funds in the account, BOA denied the check, causing harm to me and to the recipient in humiliation and still to be determined fees. 

When I called the bank about this, they said that last year they determined to no longer accept checks off savings accounts. This was a material term of the original contract, and as stated before, the bank even gave me the checks. Apparently BOA says the communicated notice by mail and email, but of course, I get several emails weekly, even daily, for promotional offers from BOA. Most of this is spam. Any notice of a change of this magnitude was insufficient, given the potential harm to a consumer for a returned check. I am confident that others are similarly situated and I want the CFPB to investigate whether notice was sufficient in light of the spam mail BOA sends out continuously, and how many other consumers have been negative affected.
Product: Credit card or prepaid card

On XX/XX/2022, I purchased a Vanilla Gift card at a local XXXX. I put {$500.00} on the card. When I tried to use the card the next day, the transaction declined. I looked at the card account information online and found that someone had made a {$490.00} ( pending ) charge to XXXX. The card was in my possession the entire time, and I did not use the card online, and I didn't share the card information in any way. I don't understand how someone could have stolen the card information so quickly. 

I promptly alerted the gift card company by calling the phone number on their website. I followed their instructions for filing a dispute and emailed the requested information to them the same day. Over the past few weeks, I have not received a refund from the company nor any communication even though I have requested an update on this case.
Product: Debt collection

I, XXXX XXXX, entered into a consumer credit transaction with EXETER FINANCE LLC on XX/XX/XXXX. I used my credit card as defined under 15 USC 1602 ( l ) and there was a finance charge involved as defined under 15 USC 1605. EXETER FINANCE LLC then took my credit and got a loan and begin to violate 15 USC 1692e because they falsely represent the status of debt. EXETER FINANCE LLC received a Cease & Desist on XX/XX/XXXX and continued to communicate directly and indirectly after that date violating 15 USC 1692c ( c ). EXETER FINANCE LLC is violated 15 USC 1605a finance charge does not include charges of a type payable in comparable cash transaction. EXETER FINANCE LLC also violated 15 USC 1692f ( 6 ) when they to non judicial action and dispossession the property on XX/XX/XXXX. EXETER FINANCE LLC violated 15 USC 1635 ( a ) by failing to clearly and Conspicuously disclosure all disclosures to me in regards of my Right of Rescission, they also failed to provide me with the appropriate forms to execute my rights.On XX/XX/XXXX I sent EXETER FINANCE LLC and written Notice of Rescisson and they have failed to follow through with my written instructions.