23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I leased a vehicle from XXXX XXXX XXXX in XXXX Oregon. Received a letter from the lease company dated XX/XX/XXXX stating that they were unable to issue credit due in whole or part to my credit report. 

One of the credit reporting companies listed is SageStream LLC which I have never heard of, and has my score listed over 200 points lower than the other three established credit firms. 

Since I have never heard of this company, I have not attempted to contact them since personal information is needed to access my file, and I am unwilling to share such information with someone unknown.
Product: Debt collection

Tried to cancel before they tried charging me and they refuse to and kept asking to freeze my account and was put in a uncomfortable situation to say no and felt force to keep the membership
Product: Payday loan, title loan, or personal loan

XX/XX/2020,,, Cont,,, Issues With Wells Fargo Bank,, I Did Received Two Responses Back From Them,, One Letter Came From,, Wells Fargo,, With The Black,, Logo,,,, ( XXXXXXXX, Executive Office Case Specialist,, XXXX Complaints,, Second Letter Came From Same Company,, One Letter Dated XXXX, XXXX,, 2020,,, Other Letter Dated XX/XX/2020,, From,, Mrs XXXX,, Escalated Complaints Specialist,, Centralized Line Of Business Escalated Complaints,, And, About, XXXX, Today I Sent A Email To The Company, XX/XX/2020,, Due To The Covid19,, I Needed Some Emergency Assistance To Help Me With My Family ( Hardship ),,, They Did Not Response Yet,, My Bank Account Is Still In The Negative,, XXXX,, Why? And When You Go Line There Isn't Anything About Emergency Assitance It Not Offer To Me As A Loyal Customer?,
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT LENDCLUB BNK Account Number : XXXX Please remove it from my credit report.
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 ). 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 proce 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
Product: Checking or savings account

I had a XXXX savings account that i transferred money from into the America express account. When i tried to withdraw the money they marked it as fraud and now i cant release the money unless i " recall '' the money through XXXX. I have talked to a XXXX manager and it went up the chain they can not do this so called " recalled '' i have explained this to American express and they refuse to help or get a supervisor to talk to me. I need AMERICA EXPRESS to fix their own internal affairs and return the money where it came from the XXXX savings account
Product: Checking or savings account

I didnt know my account was closed until XXXX XXXX before my employer sent the money to the account. My direct deposit was to hit the already closed account XXXX XXXX. Ive been calling CITIBANK about my deposit and 3-4 of their employees told me it takes 7-10 business days for them to send the check back to my employer. When I called just 5 minutes ago XXXX XXXX a lady told me she doesnt see the deposit from XXXX XXXX and it will not get sent back. Ive been calling CITIBANK for over a week about my money and I still do not have it in my correct account and my employer said the bank havent sent anything back. CITBANK need to pay me my money and send the check in the amount of {$1100.00} back to my employer so that I can get paid
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian emailed me my usual credit report on XX/XX/2021, saying that my Fico score reduced by 35 points since XX/XX/2021, making it go from good to fair ( XXXX to XXXX XXXX. When I looked at the report, the only changes that it said it detected were all going in the positive direction. I do not understand how it could drop so significantly when my financial activity has been stable if not better. I havent changed it in any negative way. Experian keeps trying to get me to boost my score by paying for more service. It seems like there is some sort of fraudulent activity going on that would make my account supposedly drop by 35 points when my financial activity has been good. Ive tried to contact them with no success because they put you in an email tree and a website tree that you can not escape out of. I would like some help to correct what I believe is erroneous information that is affecting my credit score. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified of a collections on my account. I did not recognize this company and never received a bill from that company. I tried calling the number listed and it came up to a voicemail called " XXXX '' and I was not able to leave a message. I filed a report with Experian and they got back saying the information is accurate and gave me no new information on this supposed collections. I have no way to contact this company who is trying to collect on me on something that I have absolutely NO record of!
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX, I received an email from Experian stating that my disputes were complete and that I could log into my account and view the results. When I logged in, there were not results shown in the results section. Also, all disputes that I have been sending in state that I do not consent to online delivery of my results. They continue to ignore this statement. I am not sure what dispute this is because there are no results or information to cross reference to give me the date in which it was sent in. 

Also, they continue to show the same name on my report multiple times. If the name is the same as another name, then it should not be listed.
Product: Checking or savings account

During the XXXX XXXX the amount of XXXX was transferred from my savings account without my knowledge. I then informed the Bank of the issue and now my account is frozen. My spouse and I had to open a new account. The fraud is under investigation and that takes up to 10 to 45 days. The person also had my XXXX XXXX changed on my personal mobile phone. This is the fourth time this has happened to us, and I would like for it to stop! 

Thanks in Advance
Product: Payday loan

Despite my repeated requests for them to desist, RISE Credit persistently email me with offers of loans which I do not want and for which I do not qualify. I am a XXXX XXXX, living in the XXXX and ineligible for a short-term US dollar loan from a company in Texas. Despite pointing this out to them, they persist in filling may inbox with daily offers of loans.
Product: Mortgage

My husband and I did a modification on our loan. I signed all the papers. Now since my husband passed away XXXX/XXXX/2014 a Veteran ( XXXX XXXX, they refuse to give me any information stating I am not on this loan and have NO financial obligation to them. This is my home for over 38 years. I would like to refinance this loan to lower my monthly payments to be able to handle my monthly bills, etc. I have had an attorney look up all the public records and I am on the recorded properties. The attorneys are baffled themselves.
Product: Credit reporting

Today I just found out I lost my wallet, it includes my State ID and couple of bank cards, so here I am, trying to request a free annual credit report from AnnualCreditReport.com, but since a month ago a banker checked my credit score from XXXX and XXXX, and denied me a mortgage loan, I can only apply my free credit report from TransUnion. I start my online request form on AnnualCreditReport.com, everything going OK, until it request me to answer some security questions ( to identify me ). It asked me XXXX questions, the first XXXX matches my identity. But the last XXXX did not match any of the fact I remember. The XXXX question asked me, in which state I obtained my social security number? They put out XXXX names in the answer choice, including my home state ( NY ) as XXXX of the answer, but I clearly remembered I received the card in another state besides NY, and it was not listed as my choice, so I answered NONE OF THE ABOVE. Also, I have been asked which was my current or previous employee ( I have been out-of-job for 7 years ), but none of the choice match any of my previous employees, so I also answered NONE OF THE ABOVE, then it says it can not give me my free credit report! If there 's an alternative answers to XXXX of these questions, then those answers are not match my identity. How can I report this problem and correct the answers?
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Update Personal Information & Inaccurate Information Subject : Disputing Information in Credit Report After reviewing my credit report I see that the following information is not being reported correctly. Please update the following account information and remove all other information from my credit report for accuracy. 

Late Payment Information : After reviewing my current credit report I see that the following information is not being reported correctly. There have been many errors, for reasons unknown, in my credit reporting, reflected on my credit report that has been disputed and removed, as I have discovered recently, and require that this information below also be removed from my credit report for accuracy. 

Ive found the following items listed below to be in error. These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS, PAID AS AGREED, and/or IN GOOD STANDING. 

Account Name + Account Number I was never late on the following account/s. This is an error from the account holder at the time. Please update the account/s as PAID/ CURRENT. 

Account Name : Dept of Ed/ AidVantage Account # : XXXX 180 days past due as of XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX  150 days past due as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX 120 days past due as of XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX 90 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX There should be no late payments reflected on this account and this credit report. Please update and remove these late items/ information from my credit report, for accuracy. 

Inaccurate Information : Account Name : XXXX  XXXX XXXX XXXX XXXX Account # : XXXX Resolved and Paid Off with Creditor/ XXXX XXXX There should be no outstanding/ open payments/ accounts reflected on this account on my credit report/ s. Please update these items/inaccurate information and remove them from my credit report, for accuracy. 

I understand the provision in the Fair Reporting Act and I am well within my right to require all of the above as outlined and that these items be investigated and removed from my credit report for accuracy. I understand that you are obligated to check and verify these items as posted, as accurate, and provide proof of your findings as requested, otherwise must remove the above from my credit report. 

Please remove any and all incorrect information and information that can not be verified, as I have detailed above. I understand that you must complete this investigation within 30 days of receiving this letter. 

If you find this request in error from your perspective, then I expressly request the provision in the Fair Reporting Act and require you to provide written proof showing your findings and the validity of this reporting for further investigation of these errors. 

Please send me an updated copy of my credit report reflecting these changes to the address above. 
Thank you, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I acquired the loan in XXXX of 2019 with the first year an interest-free period. I promptly paid all monthly payments when my statement was received. I knew and always intended to pay the loan off at the end of the interest-free period and when the second month thereafter the statement came I called the bank and asked what the payoff was. I was told the payoff was XXXX and immediately wrote the check and mailed it within an hour. I wrote that last check earlier than I had written any of the previous year 's checks and there was ample time for the check to arrive and them to process it. When the next statement came I find I've been charged a XXXX late fee and XXXX in interest because they say they received the payment late. When I went to my local bank to try and acquire a copy of the check they told me that Comenity, the loan bank had never processed the check by cashing but rather ran it thru by the routing and account numbers so I don't have much if any proof of the date I wrote the check. I'm sure they must have a copy and would like for them to produce one. I think when they realized I was paying the loan off that they held the check until after the due date claiming it was late.
Product: Bank account or service

Navy Federal Credit Union used Right to Setoff to seize my federally protected VA benefit funds that was direct deposited to my share savings account. I had informed them, over the phone and via online message, that these funds were VA benefits, and they seize them anyway. The representative was not aware of the federal protection of VA Benefits against Right to Setoff and garnishments. Furthermore, I did not contract with NFCU that they could take my VA benefit to settle a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The new credit card I received and have been using has not been added to my report and it has been more than 3 months since I got it. XXXX XXXX is falsely reporting my XXXX XXXX credit card balance for the second time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint to Equifax on inquiries on my credit report I have ask Equifax to remove these inquiries they have fail t do it, these inquiries are fraud and I want them removed off my credit there is over 20 inquiries on my credit report, I do not appreciate filing complaints and Equifax not taking me serious .so correct this by taking these credit inquiries of my credit report I have FTC identity theft report and sent it Equifax t correct this situation, now please remove, and do not put no fraud alert on my credit report, I want this resolved or I will keep filing complaints until this is removed and resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( a.k.a. XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX Phone : XXXX Fax : XXXX Email : XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Phone : XXXX Dear CFPB, Several times during the past three ( 3 )  years I have written XXXX, TransUnion and XXXX, about the lack of a credit score, and inaccurately listed and/or missing information in my credit reports that should have been verified and corrected. For example, there is no mention of a 3-year vehicle lease made on XX/XX/XXXX through XXXX XXXX/XXXX, and no mention of a personal loan I made on XX/XX/XXXX through XXXX XXXX XXXX ( XXXX ). 

I have sent four ( 4 ) requests to XXXX, TransUnion and XXXX to provide me with a credit score, and correct, verify and make sure that the information listed in my credit reports are accurate and according to the credit reporting laws of California, but no action has been taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV funding has continued to update this collection account, as well as recently " closed '' the account, but they are also still showing a balance. " On my XXXX  report they reported they closed the account on XX/XX/28, but also is still reporting a balance. They have also used 2 different collection agencies to send me letters in an attempt to collect the debt. And on the bottom of both letters it reads, " LVNV can not report this debt to any credit bureau ''. They were successfully removed from XXXX  due to incorrect information. However they still remain on my XXXX  and XXXX. They have referred this account to another collection agency that is sending me letters. Attached is the letter
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive filed an dispute in regards to the incorrect items on my credit report its been well over 30 days an I havent received any investigation results.
Product: Debt collection

This collection agency reported to my credit a debt that does now exist because information on my insurance was given to progressive and account was satisfied prior to the listing and collection agency never sent a letter to verify debt or they would have known that also not even one call to my number. I feel this collection agency violated the federal debt collection practice which is there to protect the consumer I feel they should be fined as a base of XXXX violating the law its said how this collection agency feels there above the law.
Product: Credit reporting or other personal consumer reports

I was late with my auto loan. I brought the account current. I maintained possession of the vehicle and continued to make regular monthly payments in the amount of {$750.00}. monthly. The account was listed as a charge-off. The company, Santander Consumer USA told me the status wouldn't change once it was listed as a charge-off even though it was still an open account. I have attempted to trade the vehicle in and get financing with a new company and they are viewing the account as a reposession, despite the fact that I have always maintained possession of the vehicle and am now current on my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all the companys that and auto dealer ran my credit without me even knowing or in the market of purchasing and auto this happened all in XX/XX/XXXX with XXXX XXXX in XXXX XXXX California Second was XX/XX/XXXX XXXX XXXXl Third tried same day XX/XX/XXXX with XXXX XXXX XXXX. Theres a four tried with same dealer date XX/XX/XXXX again with XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX again with XXXXl XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$3100.00} Medical XXXX Balance Owed : {$780.00} XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/2017
Product: Mortgage

I applied for a Conventional mortgage with a company by the name of Lending 3 in XXXX XXXX, CA in early XXXX, XXXX. I provided all of my income documents and signed disclosures in XXXX XXXX. On XX/XX/XXXX, I received a phone call from the processor XXXX XXXX informing me that my loan had been declined. She said that I needed to be back at work in order to have more income. It took this company 2 months to tell me I didn't qualify when all along they knew my income sources and had all related documentation. I asked if they could offer me a lower size loan or a longer term and she refused to engage with me and said no and I needed employment income, even though all along from the moment I applied they knew I was not employed and my source of income was only rental income. 

This company is not following normal business practices and are mis-leading and deceitful. All along I was told that it would work out and to be patient with underwriting. I own 3 properties and have financed home loans plenty of times, enough to know that this company does not follow the rules. They didn't communicate with me and when they did they were not interested in working with me and helping me. Today is XX/XX/XXXX and after insisting on receiving a decline letter for over a month, I just today received it in the mail and attaching to this communication. 

Thank you for your help in exposing the horrible business practices of this company.