23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have made 3 disputes with all the credit unions and only XXXX and XXXX have taken this off my credit report. XXXX has told me to contact the collections agency ( I.C. System Inc. ) directly which I have twice the last time being today XXXX at XXXX PST. On both occasions they have failed to give me any details on this collections and to send me a validation letter of this debt or send any written information on this debt even though they are holding me responsible for it by placing it in collections on my credit report.
Product: Debt collection

XXXX XXXX XXXX ( acct # XXXX ) has contacted my by phone, letter and email with threats to garnish my check and to have papers served to my house. I have not open an account or gave permission to open the account. I took the account to my doctor and they do not recognize the bill. They informed me that it must be fraud.. The harassing phone calls has caused stress for something I have not knowledge of. I research as much as possible and phone out its fraud. I want these accounts removed from my credit file ASAP! I have contacted a lawyer about a lawsuit for the harassing phone calls with threats. I recorded some of them. There are 3 accounts don't know the number to one of them but two of them have the same account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY INVOLVED. I requested the method of verification from chexsystems under FCRA, SECTION 611 ( a ) ( 6 ) ( 7 ). On XX/XX/2021 Chexsystems sent a letter with no response to my request. The letter just has my information that they are reporting a no method in which they verified the information.
Product: Credit card or prepaid card

City Bank, for Best Buy ; this Company went into my checking account and took money out for a payment I did not authorize and they kept my banking information without my permission they stole money from me and my checking account was overdrawn for XXXX Dollars so they stole my information they need to be investigated for embezzlement and fraud.
Product: Credit reporting or other personal consumer reports

[ Experian or Creditor : Choose who you are sending it to ], you replied that the alleged transaction you identified as late is validated. I just wanted to let you know that you have no proof that this alleged transaction was late.

15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments Acreditormay not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off 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 XXXXXX/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 unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specially, 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 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

On XXXX XXXX I pulled my credit report from experian and XXXX and equifax and noticed that the balance of my car loan with arrivo acceptance had not been updated since XX/XX/2023. I called XXXX XXXX and asked why are have they not updated the balance on my car loan with them since XXXX of XXXX  I asked them to please update the info with the correct balance as I am trying to buy a home. I was told that I needed to send a email to them to dispute the balance which I did. I have sent a email every month since then and the balance has not been updated.I have attached a screenshot of the balance on my loan with arrivo acceptance and a copy of my current credit report.
Product: Debt collection

I request LVNV Funding LLC validation of allege debt {$1700.00} or cease and desist all harassment of allege debt. I am requesting VALIDATION made pursuant to 15 U.S. Code 1692g Sec. 809 ( b ) validation of debts, or removal of alleged debt in the total amount of {$1700.00} from LVNV Funding LLC. They have failed to provide the VALIDATION OF DEBT, FDCPA 15 U.S.Code. 1692c ( a ) states communication with the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I have not given LVNV Funding LLC, the above written consent to contact me in connection with the collection of any allege debt. I do not have a signed contract with LVNV Funding LLC and I am unaware of how they have obtained my personal identifying information without my knowledge and consent. I have not signed a contract form to authorize LVNV Funding LLC to have access to my personal information. This information collected by LVNV Funding LLC clearly is a gross and tortuous effort to disregard my privacy and clearly violates my rights as well as FCRA and FDCPA laws. I am disputing the validity of this allege debt. Specifically there does not exist a written contract signed by both parties and me as specified in the Doctrine of Privity creating a contract that obliges me to pay LVNV Funding LLC. I request LVNV Funding LLC, provide a signed contract between LVNV Funding LLC and me regarding the allege debt or immediately cease and desist all harassment of alleged debt and remove items totaling {$1700.00} from credit reporting agencies, XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Funding LLC Is increasing the collecton balance that they accuse me of owing them inwhich I have not admitted to owing them any money. They have not provided me a validated signed contract, for this collection account, or for fees that they are adding to this collection account balance. For months, they have been adding {$3.00} to {$4.00} onto the balance three to four times like every 6 to 7 days instead of reporting this account every month, they are reporting and increading the balance three times within the month, which is not allowed. I have tried to settle this account over a year ago, before I got sick. and under Doctors care, and I am unable to work. They would not settle at all and demanded the total amount, which now they are harassing me, and destroying my credit by reporting false information on my credit report,
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of American and XXXX do not update the free credit score/fico score like all my other cards, the only time it get updates is when I call XXXX. When I call bank of america or chat with XXXX  they said it is up to XXXX XXXX to update when i call XXXX XXXX they say banks have to report. I have approx 10 credit cards all paid off and bank of american and XXXX is the only ones not updating my score. With other credit cards my score is 758=780 and Bank of American have me at XXXXit stayed at XXXX for a few months when others updated monthly. XXXX finally have me at XXXX and have not updated since XXXX. Bank of American denied me home loan because of my credit score several years ago and now they refuse to update my fico score consistently like other credit card companies that also get their reports from XXXX XXXX, so I can get a better interest rate and loan amount/ BOA fico score XXXX XXXX credit score XXXX all other credit cards XXXX - XXXX The only reason these to cards changed there score at all is because I was constantly calling them and XXXX  , for awhile they both was still reporting XXXX after other cards had me over XXXX. I feel like they do not want to up my score appropriately so I don't have access to home loans. I feel I am being discriminated by these to entities. Yes I am XXXX XXXX.
Product: Bank account or service

After a death in the family we found IRA 's that were left to me by my deceased father and they also included my name. We had the will probated and began the task of dispersing his assets. The late part of XXXX 2016 we took all needed paper work including a death certificate to our local branch and were told we would receive the the money in a few weeks.The XXXX part of XXXX when we had n't received a check we returned to our local branch only to be told that our paper work was lost in a flood so we began the process again and told that a check would be mailed on the XXXX day of XXXX. XXXX XXXX no check has been received so we return to our local branch and told that due to the recent holidays and snow that its just taking a little longer. Upon further questioning we find out that they are now missing a death certificate which is supposedly lost in this flood and not located from the 2nd submission so we provide it immediately and now are told that a check will go out Friday XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got a new credit report discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I dont reside at and may possibly be a old job or promos. Please delete the following addresses : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following numbers are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Checking or savings account

I was placed on XXXX, then pay cut off within the month after being hosptialized for 6 days, then was terminated from XXXX XX/XX/year>. 

I have tried multiple times to withdraw all my funds from Optum Financial for XXXX and XXXX as I continue to pay for my own health care out of pocket. 

I have received no funds it says processed but nothing has been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

complaint # XXXX 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. Shellpoint XXXX Office of 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I believe the account is invalid. JEFFERSON CAPITAL SYSTEM LLC. needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 
JEFFCAPSYS XXXX
Product: Checking or savings account

Bank of America closed my account didnt give me a reason. But kept my bills money I live paycheck to paycheck due to the pandemic money is tight All my bills scheduled at the bank were returned unpaid even utility bill ( even though I have money ) I have incurred so much non pay fees its crazy Account was closed XX/XX/XXXX when I called I was told they will send a check by XX/XX/XXXX On XXXX they said XX/XX/XXXX now they XX/XX/XXXX I have been charged nearly total of {$700.00} due to this delay from utility to mortgage to credit cards
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has continued to report an inaccurate and unverified tax lien and bankruptcy without verification to support it. I have sent in notarized dispute letter after dispute letter with response from TransUnion response ; Tax Lien ( XXXX County Clerk - XXXX ) ( The County Recorder of Courts ) and Bankruptcy ( Texas Fedreal Court-XXXX ) ( The Bankruptcy Courts ) has been verified, which is not true because The County Recorder of Courts and The Bankruptcy Courts does not verify credit information. TransUnion will not provide me with any verification of proof that I have requested. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The County Recorder of Courts and The Bankruptcy Courts emphatically has stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed TransUnion Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), TransUnion is required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete the below inquiries, listed here as well as on my identity theft report attached due to me being a victim of identity theft. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX CA XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 Experian XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX Please also remove the below addresses as they are not deliverable to me by U.S. post office and they are not reportable as per the FCRA since the addresses is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Mortgage

On XX/XX/2020 I submitted an application to WaterMark Home Loans through XXXX XXXX NMLS ID # XXXX. On XX/XX/2020 XXXX contacted my wife and I to review the interest rate and our monthly payments. At the end of our conversation I ask XXXX to e-mail me the loan estimate. XXXX 's reply was I don't have the bandwidth to do that. I pressed further and mentioned that I didn't think this was right and he said he doesn't have the time to send everyone that applies a written up estimate just so they can go shop other lenders with it. At that point I got off the phone. A little bit later I did some research into it and found that because I submitted my application with the information with my name, income, SSN, address, estimate of the home values, and the amount to borrow that he was required to send me a standard loan estimate within three business days. 

I called XXXX back and let him know that I still wanted the loan estimate and that he was required to by law. XXXX got quite for a few seconds and then responded with ridiculous answer claiming we hadn't really finished the application and that he wouldn't be a paper pusher just to satisfy one customer. The same application we have done with multiple other lenders who quickly returned to us with the standard three page loan estimate. XXXX still wanted us to lock in the rate he quoted without having ever seen the loan estimate sheet I am entitled to see prior to locking in a rate and continuing on in the process. 

Later that evening I decided to call WaterMarks corporate office in California. The receptionist talked with XXXX about why he hadn't given us a loan estimate. The information he gave her was that it wasn't their policy right now to provide a loan estimate. 

Had XXXX given me the required documentation, my wife and I would have happily refinanced through him as he had the best rate. Not being able to check the numbers leads me to the point I'm at now. We have been given three different responses as to why he would not provide a loan estimate after we submitted all of the required information on our end.
Product: Credit card or prepaid card

I did not receive the {$300.00} statement credit that I was entitled to. 

On XX/XX/22 I applied for a Delta Skymiles American Express card. The sole reason I applied for this card and not another airline affiliated credit card was the incentives attached to the card. 

Incentive # 1 was I would receive a XXXX skymiles if I purchased {$2000.00} or more using the American Express card in the first six months. I fulfilled this obligation and I was awarded the XXXX skymiles. 

Incentive # 2 was I would receive a {$300.00} statement credit if I made a Delta Airlines purchase in the first six months. When I was approved for the Skymiles AMEX, I purchased two tickets to XXXX XXXX using the temporary card # that American Express emailed me ( XX/XX/22 ). Under the promotion I was working within, I fulfilled this requirement. However, after waiting 8-12 weeks for the statement credit like the webpage indicated, I did not receive the {$300.00} statement credit. 

I've reached out to American Express customer service 3 separate occasions and they will not honor the {$300.00} statement credit incentive. The response I keep getting is that the {$300.00} statement credit was never tied to my account, therefore I'm not eligible. I have a screenshot of my offer moments before I completed the online application just for this situation... something not being honored. I shared to American Express that I have this screenshot, yet they declined to receive it when I asked where I can send the screenshot for verification of my offers at the time of applying.
Product: Checking or savings account

Since XX/XX/XXXX, Capital One has been holding my money, an amount of {$5100.00}, which comes from my salary and some XXXX transfers from my father. They blocked the money and closed my account, allegedly because they needed to verify its source. I have already sent the necessary documents, but I still haven't received a response. Every time I call, there's no new information. They don't give me any answers or solutions ; Capital One still has my money and refuses to give it to me. I need that money for my family 's livelihood, and they simply refuse to give me access to my money. In short, they are playing with my time and my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection agency [? ] XXXX XXXX Original balance [? ] {$280.00} Date assigned [? ] XX/XX/2020 Original lender [? ] XXXX Account number [? ] XXXX Account holder [? ] Individual debt was paid and company refused to take it out of collections
Product: Credit reporting

I have submitted numerous requests for verification of my accounts with XXXX Trans Union, and XXXX, and have yet to receive a response. They are in direct violation of the FCRA and I would like this taken care of immediately.
Product: Vehicle loan or lease

On XXXX XXXX, 2016 I visited XXXX XXXX in XXXX, OH to purchase an used XXXX XXXX XXXX. I had pre-approved financing I had obtained with my bank prior to shop for a vehicle. After we agreed to a purchase price I proceeded to give the dealer my bank pre-approval paperwork as my form of payment when the manager advised me that they may not be able to accept my private financing plus they may be able to get me a better deal with one of their lenders. I told him that I was pleased with the financing obtained with my bank ( XXXX XXXX ) and that I did n't need to check other options. The management continue to pressure and asked me if they could just run the numbers with their lenders, just to compare. I asked if it would affect my credit and they said no. I was then offered a loan with Bank of America with a comparable rate to the one I obtained plus they offered new car mats for taking taking the financing with BoA, their lender which I accepted. This year I noticed my credit score was lower than what I expected and noticed XXXX credit inquiries on XXXX XXXX, 2016 for a vehicle loan that are directly affecting my credit rating. These inquiries were done by the dealer after convincing me to check with their lenders after saying it would n't affect my score. I also learned recently that financial institutions do give dealers a commission for offering their products. Now my credit is affected because of a loan I did n't need in the first place.