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

I was unnecessarily forced to open a XXXX  account XXXX for transacting a small amount of personal wealth when one XXXX banking relation with XXXX  was sufficient. I had XXXX  XXXXand later they changed it to XXXX when i was XXXXXXXX XXXX XXXX should have continued to pay me in XXXX instead forced me to transfer some money and then using that as the reason i was not reemployed in XXXX or retired or my personal wealth options enforced to have income as XXXX XXXX  of XXXX  I had only three members in my family my mother XXXX  and XXXX  XXXX. My XXXX  is XXXX  and XXXX is a XXXX  person and i am forced to interact with those i really dont like to interact. The thieves prevented me from maintaining alimony to XXXX. I paid XXXX XXXX. She was under custody of a XXXX  XXXX XXXX and they are corrupt and have attacked me using a XXXX XXXX XXXXXXXX, prevented me being retired in USA in XXXX. 
I suspect a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX for sending a statement to their address when i was renting in XXXX XXXX apartments. This is Breach of trust by large organisation of thieves. They did not let me leave sun.com with my personal wealth that i can enjoy treasury rate interest or offer me a position or give me unemployment income through XXXX and this is XXXX  years of labour exploitation. I also suspect XXXX XXXX making me an offer in XXXX INSTEAD OF INHERITING ME XXXX XXXX AS MY WEALTH OR RETIRING ME USING XXXX XXXX, I WAS HARASSED BY XXXX XXXX AND SHOWN AS NOT INTERESTED IN RESIDING IN XXXX  AND FORCED TO SIGN XXXXXXXX. THIS ORGANISATION OF THIEVES IS STEALING MY MONEY SHOWING MY ADDRESS AS XXXX XXXX XXXX XXXX A SUSPECT BHARAT BUILD A GATE INTO IT XXXX TO EXPLOIT ME. I AM NOT WITH XXXX I HAVE NO CASH FORCED TO USE AN XXXX XXXX XXXX in XXXX. i AM NOT PAID EVEN MONEY TO ENTER XXXX AND SOLVE THIS IN AN XXXX  ACCOUNT XXXX I DO NOT NOT LIKE. i AM HUMILIATED AS A XXXX TO CONTINUE THIS THEFT. I have not stayed in XXXX XXXX XXXX  past XXXX. 

AGAIN I NEED CITIBANK  TO FLY ME BACK TO USE AND RETIRE ME USING XXXX OR REVERSE ALL PAYMENTS LOSS BECAUSE OF OPENING CITIGOLD XXXX I am in XXXX and found the house XXXX has stayed dilapidated. This is a large organisation of thieves not giving me my money exploiting a personal relation separation. I paid XXXX to her in XX/XX/XXXX i would have paid again and reunited with her if i was employed in XXXX or retired. I do not know where she is. some contents of this form has been destroyed by unknown .. my keypad backed and deleted. This is theft of like XXXX dollars a year unemployment treasury rate income since XXXX. Thats XXXX dollar theft.
Product: Checking or savings account

This bank is crazy I apply online and they tell me to go the the branch that I need to be id verified I go to the branch and they decline me with no reason this is so unfair!!!! I am very disappointed in being discriminated against here
Product: Debt collection

This credit card was paid years ago and I spoke to the agent about having it deleted because they did not give me information of where I could use the credit card. This is an in store credit card that can only be used inside the store and at the time I had no knowledge of this information. I also paid of this card and went in store and cleared that it would be deleted off my credit report and it still shows open account and I really would like this account to be deleted off my credit report.
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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect.

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX  XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX, and I had referred a co-worker to chime, and she has had her 1st intial deposit. However, when she was setting up the account the representative advised her to chat back with Chime to add the refer to her account, and we would receive our refer bonus. Her name is XXXX XXXX, and she chatted with Chime today ; however, she was advised that we are unable to get the refer since she did not use my link. However, agent asked for my name & email address to my account. I called Chime, spoke with an agent who was rude & kept saying the same thing over & over again about I can not get my refer bonus, but he would note the account about my complaint, and send my complaint the escalation department. I asked to speak with a supervisor, and the agent is going to say well the supervisor is going to tell you the same thing. Supervisor was even more rude, refused to give me someone higher than her, stated she is the highest person at Chime, nobody at Chime speak English, and she does not care I file a complaint against Chime because she is the highest person. I am very upset right now to the point to where I want to close my account with Chime because to this customer service I just received. I would like to hear from someone in regards to matter ASAP. Then I have the conservation recorded from today as well if someone would like to listen to hear how awful this customer service was from the agent & supervisor. 
Thanks XXXX XXXX
Product: Mortgage

I have several complaints against Nationstar Mortgage. First, my loan was dual tracked for foreclosure after I submitted an application for a loan modification. Second, I am being double charged " legal fees '' and " property inspection fees '' by Nationstar Mortgage based on the terms of my final loan modification which was to include all of these fees ( notwithstanding the dual tracking ), and third, Nationstar has refused to credit my bill in a timely manner. 

As the attached documents show, I submitted a request for loan modification assistance, and received a confirmation on XX/XX/XXXX of the request. My loan was then referred to foreclosure on XX/XX/XXXX. 

I received trial modification approval on XX/XX/XXXX, and on XX/XX/XXXX received a permanent loan modification. The terms of the permanent loan modification under paragraph 1 state that it includes " any legal fees and related foreclosure costs that may have been accrued for work completed ''. 

Nonetheless, I have continued to receive a fees in the amount of {$340.00} for " legal fees '' and " property inspections '' that should not have been charged in the first place based on the fact that my loan was originally dual tracked, and at any rate would have been included in my XX/XX/XXXX loan modification. I have disputed these fees numerous times, and I have been told various inconsistent things by the customer service representatives. The last official notice brushes the issue aside completely. I am reaching out to the Consumer Financial Protection Bureau to help resolve this matter, since Nationstar refuses to correct it on their own accord.
Product: Vehicle loan or lease

I have been sending multiple requests for months, since XX/XX/year> requesting cancellation of the pre-paid maintenance plan and vehicle service agreement ( VSA ) purchased with my vehicle and every time the dealership just ignores my requests and does not cancel the contracts. The contracts stipulate that after 30 days, the buyer can still cancel the contract at a pro-rated rate based on usage and mileage, minus a {$50.00} service fee. I have reason to believe the dealership is purposefully delaying the process, or not initiating the process at all in order to minimize the refunded pro-rated amount.
Product: Debt collection

XX/XX/2018. on a Friday I went to XXXX XXXX because I was sick. I had a XXXX XXXX, XXXX XXXX  and a XXXX XXXX. I waited for hours in the waiting room and was finally put in a consultation room. I waited in the consultation room for another hour and the doctor came in, left and came back. At this time, he told me I didn't have the XXXX and to go home and go to bed. He did not give me any medicine. I was furious. On the following Monday, I went to a XXXX  doctor and I had a XXXX XXXX, XXXX, and XXXX and was given several prescriptions. The XXXX doctor couldn't believe that XXXX XXXX didn't give me any medications and he felt the wait caused me to get even sicker. I called XXXX XXXX and told them my story and they did nothing but bill me. When I received the invoice, I again called XXXX XXXX and again nothing but a bill. I decided I was not paying this bill. Unfortuantely, they put the charges in collections. I received calls and notices, I even talked to one of the callers to tell them my story, with no success. This collections notice has now affected my credit rating. I paid the charges last week and was told it could take up to a month to have this removed from my credit report. I was also charged an additional {$30.00} plus dollars for fees which I paid. I really have a problem paying this, but again I need to get it off of my credit report, it is affecting my rating. I have had no late payments on any of my accounts in four years. When I paid this invoice, I spoke with a XXXX XXXX billing person and she said she would pass this information on and someone from XXXX XXXX would be in touch with me, that was a week ago and no one has contacted me.
Product: Mortgage

I applied for a mortgage with Loan Cabin, and locked with {$7600.00} lender credits. At closing, instead of {$7600.00} lender credits, Loan Cabin only provided me {$6100.00} lender credits, which was {$1400.00} less.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is a verbatim copy of the instructions on the Verisk Analytics A-PLUS web site on how to obtain a free yearly copy their insurance reporting file. Web address : https : //www.verisk.com/XXXX " To request a free A-PLUS loss history report, call the A-PLUS Consumer Report Request Line at XXXX. The A-PLUS Consumer Report Request Line is available Monday through Friday from XXXX XXXX to XXXX XXXX, Eastern time. '' When you call XXXX at XXXX XXXX   Eastern time you get a recording stating that their business opens at XXXX XXXX Eastern Time.
Product: Checking or savings account

Hi my name is XXXX XXXX i have a bank account with pentagon federal credit union bank first when I opened my account with this bank they told me u gona have 5 day hold on your account for all your check deposit and i been deposited some checks in my account and one of the check come back I dont know for what reason and i got the call from bank from fraud department and the banker started accusing me that i am doing fraudulent check deposit and we end heated argument and then i hang the phone because she was accusing me again and again she is no one to accuse me without verifying the fect then she call me again and said listen mr XXXX i am going to freeze your account and send all the check back that what she did without verifying the fact and later on few checks which was cleared before that bank said they gon na hold funds till XX/XX/2019 i said ok and today i called then to check my account they said you have to get the bank statement from check issuers bank and letter from bank that show before check deposit statements and after deposit statements i dont understand one thing which of your clients give you access for there bank account to there vender what is bank doing with that money if fund not good send it back to check issuers bank and close my account and if fund are good then give the access to account holder but no they are not doing non of that and just hold ..please help me to get my money from this banking mafia i am not rich person who can afford legal team to fight the case in court i work 12 hr every day to make that money.
Product: Credit reporting or other personal consumer reports

On Monday, XX/XX/year> I received an email from XXXX to contact their call center to unfreeze my account because was freeze due to suspicious activity. I call today XX/XX/year> and the agent told me that my account was not eligible to be unfroze anymore and that I can't have an account or nothing with affirm, ever. The agent told me that was a decision from another department. 

I did not get a valid reason why I literally got banned from Affirm when I was paying on time, and if it was due to suspicious activity on my account, that's not a reason to banning anyone to use their services. When I asked the agent about the active loans I have, he said that I don't have to worry about those anymore and no need to pay for that, which all these got me super confused.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

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

Company has an open complaint under XXXX Equifax has been saying they are fixing the issue with Achieve loans improper reporting as referenced in XXXX but they have been doing this since XX/XX/year>, but they never fix the inaccuracies and now they want another 60 days because they are still working on it but, they keep dumping the same incorrect results, wont give me the info I request, will only redispute it and add more inaccurate information I do not believe they should get another 60 days I can not buy a house because of them and they are being summoned to court because they will not fix it.
Product: Consumer Loan

I was shopping for an elliptical and a co-worker told me about the offer on XXXX. XXXX was offering 12 months defer interest with payments as low as {$32.00} financing through FORTIVA RETAIL CREDIT LINE. I noticed that XXXX was also offering 12 months defer interest with financing through FORTIVA RETAIL CREDIT LINE. 
I decided to make my purchase through XXXX and applied for the financing. I was approved for a {$3000.00} credit line. I made my purchase on XX/XX/2017. My co-worker made her purchase for a treadmill a week before XXXX, XX/XX/XXXX. On XX/XX/2017 my co-worker noticed she was being charged interest and called Fortiva. They stated she was late making a payment and therefor forfeited the deferred interest option. She stated she never received a bill and just received her treadmill a couple of weeks ago. She hung up and called Fortiva back in hopes to speak with another customer service rep. The second rep told her they do not offer defer interest on credit cards. She went back and forth for some time to no avail. 
I was a little concerned, I was next to her while she made the phone calls, so I went to the FORTIVA website and created my profile and reviewed my account. Even though it was 15 days from the date of purchase, I was due a payment of {$60.00}. On XX/XX/2017 I made the first payment. A week later I received the actual statement. My payment due was {$60.00} and not the {$32.00} as stated on XXXX when I applied. I also noticed that I was being charged interest of 29.99 %. 
I contacted Fortiva Retail Credit and was told by their customer service rep that Fortiva Retail Credit line does not offer any defer interest deals and I applied for a credit card. I explained to the customer service rep that I applied online through the XXXX website and was approved for 12 months defer interest financing for exercise equipment not a credit card. The rep had no idea what I was talking about and stated that he would have someone in management research my account and call me back. No one has contacted me. After a few weeks I went to the FORTIVA RETAIL CREDIT LINE website and clicked on " contact us ''. The only option is to email them through the website itself. I emailed FORTIVA and still have n't received a call back or an email. The issue is still unresolved. Recently I went back on the XXXX website and the XXXX website, both of these website still as of today, Wednesday, XX/XX/2017, offer the same financing deal through FORTIVA RETAIL CREDIT LINE. The very same 12 months defer interest option that FROTIVA claims that they do not offer.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX 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. 

XXXX XXXX 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

XX/XX/2022 i wrote letters to the credit bureaus and they are giving me a hard time with removing incorrect information & unauthorized accounts and inquiries