23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I asked for a workout plan and they were not willing to help me ... .I am experiencing a huge hardship. I am receiving calls at my place of business daily from Alliant Capital Management Llc. I hang up once they get rude and they will call back using different extension to get transferred back to my office to continue the harassment. At times when I hung up they would just keep calling my office number back to back for 15 to 20 minutes. They have given information about me to other people without my consent at my job and have called family and upset them ... making them think I am in trouble. I am not comfortable with the nature of these calls and they are threatening to come to my job ... .The company is representing XXXX @ XXXX ... .their name is Alliant Capital Llc Management ... their address is XXXX XXXX XXXX XXXX XXXX, Ny. XXXX and their phone number is XXXX.This is causing me problems at my job.
Product: Credit reporting or other personal consumer reports

Hello I have several accounts reporting on my credit that is fraud and is not mine I did not open them it is violation of the ( FDCPA ) to report inaccurate and false information to my credit report I have never had validation of any of these accounts and I will send in verification of my identification where I have lived in the past 15 years and I will like for these accounts to be deleted from my credit report this has been so much stress on me and if its not deleted due to fraud and incorrect information and I dont recieve any validation that this was me who opened these accounts that I previously disputed before that was stated they were verified which I dont know how when I did not open them I will take out a lawsuit cause XXXXm clearly sending in a copy of my identification where I have resided for past 15 years thanks
Product: Credit card or prepaid card

On XX/XX/XXXX I discovered my debit card had been used to with withdrawal over {$1300.00} + {$56.00} in fees at at least 3 ATM machines. I had the card in my possession while these withdrawals were being made. I gave no one my card and pin. I believe a skimmer was used to duplicate my card. These transactions were made XX/XX/XXXX. 
I reported and filed a dispute with netspend. I provided everything they asked for. I waited the 10 days to get the results of my investigation and provisional funds. They denied my request and closed the dispute saying no fraud was found. I was notified via secure inbox on the 11th day that my dispute was closed. I can't understand how they came to this decision and closed the dispute..here is why .... I have a limit on my account of {$950.00} per day. whoever stole my info was able to take out much more than {$950.00}, in addition I am alerted via text and email after EACH transaction. I was NOT alerted. This leads me to believe again that someone made a copy of my card. 
Netspend has been impossible to communicate with regarding this matter. They do not allow me to talk to a supervisor or most importantly, anyone in the dispute department. I was told I would definitely get provisional funds and then denied. The info I get from the customer service department varies and I'm often told that the previous representative gave me wrong info. 
This was my entire monthly check..gone. Netspend failed me miserably
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed the 30 days late on my credit report which was due before XX/XX/XXXX. 
I got a returned check by mail on XX/XX/XXXX as an unable to deliver with yellow Sticker. 
I was always on time on making payments. Please remove the late payment which was due on XXXX XXXX. 
I sent the check to : State Farm Bank XXXX XXXX XXXX XXXX XXXX WI XXXX Please Remove the 30 day late payment for XX/XX/XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

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

Upon reviewing my credit report, I noticed fraudulent activity. Please delete these accounts as they are hurting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Procollect Incorporated collection agency. On XX/XX/XXXX I paid in full an account I had with them for the amount of {$1600.00}. When I called to pay my balance I was under the impression that it would be removed from my credit and it never was. It is affecting my credit score to this day because it keeps updating on my monthly credit report. I called Procollect on XX/XX/XXXX spoke to someone that told me it was not coming off of my credit report because I had disputed it with the credit bureaus. So I called the credit bureaus and asked them to remove the dispute so Procollect can update it and remove it from the credit report. They told me that the dispute had already dropped off because it had been over 30 days and there was no resolution. When I called Procollect back to inform them the dispute was removed I spoke to a different lady than the first time. She was being very rude as soon as she answered the phone she already knew my name. I told her I spoke to someone a week before and she said, " I know you already spoke someone about this on XX/XX/XXXX so what can we do for you now '' I asked her if they can update their records and remove this account from my credit report since the dispute was removed and she said that they don't delete accounts. So I told her the person I spoke to before told me it would be done and she just kept insisting that they don't do that and could give me no explanation of why the other lady said they would. When I tired to get their names they told me that information was irrelevant and then they hung up on me.
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that you are not blocking files when they're sent with an FTC fraud report. Since it is a requirement by law XXXX of the FCRA I'm sending this letter by certified mail to help establish a legal recourse. If you chose to not block these items listed below which are reporting inaccurately due to Identity Theft. I will be handling my documents over to my attorney to start a legal action. It's my attention not to pursue any legal action please ad here to the law... 

PLEASE DELETE THE FOLLOWING FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

EVERY MORNING, UPON SEEING THESE FRAUD ACCUNTS MAKE ME STRESS, I WANT THESE TO BE TAKE OFF FROM MY REPORT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied for cars few times and westlake bank pre aproved me and I was aproved for {$150000.00} credit limmit with no money down and now they are trying to make me pay a down payment. 
The problem is I'm being discriminated against because of my credit score. And if the want me to pay a down payment they have to make everyone els pay the same down payment or they're breaking consumer credit laws. 
15usc1662 15usc1602 12cfr1002 15usc1691 15usc1601 15usc1681 12usc 408 Cause they ilegaly got my credit score and ssn and did not give me any benafits, that's credit card fraud. 
I warned them and gave them every opportunity to obay the law and I'm giving you cfpb one more chance to do what your supposed to do or ilk be filing charges and lienes on you. Do your job please and put them in their place. Don't be a trader to america cause some people don't XXXX around
Product: Payday loan, title loan, or personal loan

My loan was taken out XX/XX/XXXX with the first payment of {$230.00} due on XX/XX/XXXX. On XX/XX/XXXX I made a payment. Pleased that so much more went to principal over interest, I was committed to paying my loan early.
Then, One Main closed my initial account and opened a new account with the same info. I 'm not sure why, I never received any communication on this. I now have two accounts from One Main on my credit report. At any rate, my statement date changed. I did not have an amount due when I made a payment on XX/XX/XXXX. I made a payment of {$250.00} figuring I could pay down faster.
On XX/XX/XXXX a statement cut and showed {$0.00} due. This seemed fine because I had just made a payment on XX/XX/XXXX.
On XX/XX/XXXX a statement cut and showed {$210.00} due. I made a payment on XX/XX/XXXX.
On XX/XX/XXXX a statement cut and showed {$230.00} due, with no reduction in principal balance. This is when I called One Main.
They are saying since I did n't make a payment in the month of March, the entire {$210.00} PLUS {$20.00} from my May payment all went to interest.
They keep saying I did n't make a payment but this is not true. So far, I 've had 4 payment due on the loan ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). So far I have made 4 payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ).
Product: Checking or savings account

I disputed a charge immediately after purchasing a product online as I was concerned with the legitimacy of the product and that I may not receive it. I have emails sent to the merchant to cancel the product and requested for a full refund but did not hear back from them. My bank did not ask for this information, although they should have as this could have resolved the matter. I now have a temporary charge reversal on my account and am without {$99.00} because the claim submitted did not go in my favor. I have contacted the bank 's fraud department and am advised to upload documents to the message center in my online account. I will do so. However, this is unacceptable. I need that money. I never received this product and paid a lot of money for it. The merchant 's information is listed in foreign lettering and their email is questionable. As stated, I requested for a full refund online and did not want this product immediately after purchasing the item. Please help me resolve this matter. 
Attached for review are the purchase order with the merchant 's email listed. The second attachment is the email sent to the merchant where I am requesting to cancel the order and for a full refund. This was sent later in the day when I initially purchased the item. The merchant never responded to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company continues to report negative and derogatory information disregarding the fact that I already had the account transferred and rehabilitated by XXXX in which I am paying XXXX a month due to me being on XXXX. They continue to falsely abuse the law and continuously disregard any information and mail that I send them. I have called them on the phone and they ask me to send a letter with information they are the ones illegally reporting the information continuously to XXXX and XXXX. XX/XX/2012 was the date the loan was open I was advised the statue of limitations doesn't apply to certain loans but it is already been 7 years reporting negative. The point I am trying to make is that I already did my part by rehabilitating the loan and allowing it to get transferred to XXXX it was with XXXX XXXX XXXX. I did what they told me to do so I can get it removed from my credit and the only one that is blatantly disregarding the law is Great Lakes XXXX XXXX XXXX XXXX, WI XXXX they continue to report the information and they already know that it should not be reported due to the fact that I have rehabilitated my loan. The keep finding ways to continue reporting information that is not true and is incorrect. I'm getting to the point where I want to sue them in open court for not following the law and also not caring it is also keeping me from getting a home from my family in which they do not care. Mental anguish is something that I am affected by this horrible situation and I intend to follow suit if it is not removed within the next 7 days. I am not going to allow this to happen to me by this company.
Product: Credit card

On XX/XX/XXXX I was approved for a Synchrony credit card through XXXX. On Sunday, XX/XX/XXXX, I went to XXXX to purchase a desk chair and was told that I could no longer use the Synchrony credit card that I would have to reapply to their current vendor. I was terribly shocked that after only five months that I have an increased credit line that is null and void. It was suggested by XXXX customer service that I apply for another credit card with their current vendor ; however, this would not be in my best interest in that I have more than enough credit cards at this time. 
I called Synchrony Financial, and unfortunately, it appears that I am in possession of a credit card with a substantial line of credit that I can not use. This is unfair to me as a consumer, who dealing in good faith with XXXX, am in possession of a useless credit card.
Product: Bank account or service

Opened a new Citibank Checking account on XX/XX/XXXX with a promotion code to receive a {$400.00} cash bonus within 90 days of the date that all requirements were met. I met all the requirements and should have received the payment on XX/XX/XXXX. Spoke to citibank representatives multiple times after that date and was told my bonus was being investigated. As of XX/XX/XXXX, was told that the investigation might take up to 60 more additional days to be resolved. Was also told that closing my account and withdrawing my current balance could make me illegible for the bonus. Citibank seems to be clearly stalling payment that is due to many of the customers that signed up for this promotion. By breaking the agreement to pay within 90 days, I believe that this is clearly fraudulent marketing practices and should be investigated as it may be effecting thousands of consumers.
Product: Debt collection

I filed Chapter XXXX bankruptcy in XX/XX/XXXX. The case is still ongoing, due to be discharged in XX/XX/XXXX. The case is XXXX. I keep getting harrassing phone calls threatening to sue me, ( I saved one of the voice mails ) and emails detailing how they are going to sue me and I am liable for attorney costs, and giving an amount. Even though I have repeatedly told them these debts are included in the bankruptcy, and even copied my attorney on the emails, they still keep contacting me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccurate late payment reported on my credit report for the following account : I believe this late payment is incorrect, as I made timely payments. Under the Fair Credit Reporting Act ( FCRA ), Section 611 provides my right to dispute inaccurate information, and Section 605 requires that negative information be reported accurately. I have already disputed this with the credit bureaus using E Oscar Codes 1 and 2, and I request your assistance in ensuring this error is corrected. 

Please ensure a thorough investigation is conducted, and if the late payment is found to be inaccurate, it should be removed from my credit report. I expect written confirmation of the results as required by the FCRA.
Product: Credit reporting or other personal consumer reports

This account status of XXXX XXXX Account # XXXX status has been inconsistently updated. On Transunion status is " CLOSED '' On XXXX status is collection/chargeoff and on XXXX status is 120 days late. If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX XXXX XXXX XXXX  {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX$180.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX  {$760.00} XXXX XXXX XXXX XXXX XXXX  {$4800.00} I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a certified letter to Experian disputing incorrect personal information on my credit report, including outdated addresses and names. I included my passport, Social Security card, and a bank statement with my correct address to verify my identity. Despite this, Experian sent me a letter stating they did not believe I initiated the dispute and therefore would not move forward with the corrections. 

To resolve this, I filed a formal dispute through the CFPB on XX/XX/year>. Under the Fair Credit Reporting Act ( 15 USC 1681i ), Experian is required to complete an investigation and correct or remove any unverified or inaccurate information within 30 days. The XXXX deadline passed around XX/XX/year>, and I have now received an email from the CFPB stating that Experian is still working on the issue. 

Experian is in violation of the FCRA by not resolving this within the required time frame. I am requesting that they remove all outdated and incorrect personal information immediately, as it remains unverified past the deadline.
Product: Credit reporting, credit repair services, or other personal consumer reports

Td auto finance is reporting a hard inquiry that i did not authorize. I sent in my signed application which shows the date i applied and they ran my credit before that without my authorization. I have tried to get it removed td auto finance and the bureaus
Product: Mortgage

I refinanced with lower.com about two years ago. At that time, lower.com transferred my mortgage to Homeside ( a subsidiary ) to be managed. I have had zero issues with Homeside other than spotty customer service.

Then the nonsense started.

1. I received a letter in XXXX of XXXX  saying that my mortgage was going to be transferred to lower.com in XXXX. 
2. I received a letter in late XXXX saying that my mortgage was going to stay with Homeside.

3. I received a letter the third week of XXXX saying that my mortgage was being transferred to Lower.com 5 days before my mortgage was due, with no information about how to pay my bill. By pure luck, I had attempted to make a principal payment a couple of weeks prior and the Homeside website would not let me. The rep at Homeside informed me of the upcoming transfer, so I made an early payment for XXXX to avoid complications. 
4. Two weeks after my mortgage was due ( I paid it in advance, expecting it to get screwed up again because the communication was so incredibly horrid the first time two times ) I received a letter saying that my mortgage was staying with Homeside. 
5. In XXXX I get a letter saying my Mortgage is transferring to Lower.com on XX/XX/XXXX of this year. It is XX/XX/XXXX and I have no payment coupons, no payment portal, and no information whatsoever. I call and sit on hold for a half hour or more and nobody answers. 

This problem happened in XXXX when I was trying to pay my XXXX mortgage payment and they told me I am not capable of paying my bill because they haven't issued me an account number so they couldn't help with anything. I ended up calling Homeside and they took my payment and said they would try to forward it, and if not they would return it.

It has been over 2 weeks since Lower.com has supposedly taken over my mortgage and 2 weeks after my mortgage was due ( I prepaid, again expecting them to XXXX it up ) and they have sent and done nothing regarding making it possible for me to pay my mortgage. I went back to Homeside and they say they can no longer assist with this mortgage as it has successfully transferred to Lower.com. This is an infuriating level of incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX refuse to update my XXXX XXXX account in litigation after submitting court documentation to both agencies.
Product: Credit card

XXXX XXXX opened a credit card with Barclay around XXXX XXXX using my personal information. I sent a letter disputing this debt to Barclay on XXXX XXXX. However, Barclay denied my fraudulent application to this credit card. I do n't have possession of this credit card or any information pertaining to this card. They stated that I am responsible for this debt. However, how can I be responsible for this debt when I have no knowledge of the credit card and it 's usage. I have not received statements or a copy of this application as requested. They stated that it is now a family matter because she is a family member. Even though it is a family member, it is still a fraudulent act of XXXX and Barclay for approving such credit card without verifying information. They refuse to do further investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX  Balance : {$230.00} XXXX XXXX XXXX Balance : {$280.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

For many years now ( about 8 ), creditors, like XXXX Credit Card ( XXXX XXXX ), XXXX, XXXX XXXX, and XXXX ( to name a few ) tell me that I have a credit/ fraud/ extended alert on my credit profile. 

Example- I applied for a Chase card recently towards the end of XX/XX/2021, and I received a hard inquiry ( as expected ), however, I then received a letter stating that I have an extended alert on my profile, specifically from XXXX , and that they can not continue with my request. 

Unfortunately, this was an inquiry for nothing ... I've gathered so many inquiries with no result because lenders can't continue with a credit to open or update credit. 

Sometimes, some banks will ask me public records questions to proceed with my request, other times, they say they don't have the capacity ... 

This same thing happens when I ask banks for credit limit increases ... 

According to the lenders, the alert they receive from the bureau says that they need to contact me to verify my identity, but that I have no phone number on file. 

This happens with all three credit bureaus ( transunion, equifax, and experian ), yet all three verify I have no such alert, and that my phone number and contact details are in fact listed on my report. 

My credit has suffered tremendously because I can't reach anyone who can help me with this. 

Today, XXXX XXXX, I've called all three bureaus again. I've written before, too. All three say I have no alert and that the lenders system is at fault. This can't be, as its multiple lenders!