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

XXXX bank is furnishing fraudulent information to my consumer profile with various agencies without consent. Experian is continuing to furnish this information to my profile base don XXXX XXXX  claims. When asked to provide me with information that validates this claim, Experian says they are unable to do so. The mishandling of this financial information violates the Fair Credit Reporting Act and the Gramm Leach Bliley Act, both federal laws.
Product: Checking or savings account

Please see previous complaint XXXX that was considered closed. 

Per Truist Representative XXXX XXXX, the account was closed without explanation. I contacted Truist again, as the account shows active on my bank profile. 

The account remains open, even though XXXX 's final response states the checking account ending in XXXX was closed.
Product: Bank account or service

I opened a checking account at a Citibank branch in XXXX XXXX, IL on XX/XX/2016. I was assisted by XXXX XXXX, a XXXX XXXX. My intent in opening this account was to receive their offer of a {$400.00} bonus plus a referral bonus of {$100.00}. During the application process, their computers experienced a computer glitz requiring another account to be started. The first failed account caused me problems of XXXX balance warnings and service fee notices until I contacted Citibank with the issue and this account was closed XX/XX/XXXX. Despite meeting all the requirements with my active account, I did not receive my bonus and referral fee when due by XX/XX/2016. I contacted Customer Service on XX/XX/XXXX and filed a dispute. I also reported the problem to XXXX XXXX as they recommended. She was very apologetic and found out the delay was related to the first failed account and would try to get the bonuses to me ASAP. AS of this week, Citibank is claiming that a large volume of disputes is causing a 30 day delay in processing. I would like Citibank to honor its promise to credit my account with the earned {$400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian and informed them that a XXXX XXXX account had been opened without my permission. The agent at experian told me to file a police report and upload it with a copy of my ID and they would remove it within 3 business days. I waited 30 days and Experian told me they had not heard back from XXXX and there was nothing they could do. 
I contacted XXXX and sent them the 3 requested documents ( social security card, Police Report and Proof Of Address ). XXXX accepted my social security card and police report but did not accept my proof of address. I informed Experian that I contacted verizon but they were being uncooperative.

I requested to speak with a supervisor twice at experian but I was hung up on.

I have made every attempt to do my part but the staff at experian are rude and unhlpful
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I was once a cryptocurrency trade on a mobile application by the name of Etoro? this company things or they can just do whatever they would please do to someone? By the means of stealing their money from them! I have been talking to this=s company Etoro for about 5 months now that my money has been missing from my or there account I should say now. That this company has kicked me to the curb with giving me back around half of my money in which was in the amount of {$13000.00} + another {$40.00} that I had initiated back into my bank account The {$13000.00} that was put back into my bank account was done without my knowledge the same as when this hypothetically say this other {$700.00} that is and has been missing from this eToro account that I once had? Throughout this whole situation of my money been missing from this account? Etoro would have these 3 individuals call me and all 3 of these individuals would  tell me that they know nothing about cryptocurrencies due to them just starting at this company? I have email after email of all the XXXX that this company has filled me with on the where an about my money is. They would even sit there and tell me that I have made money on their platform! In which is a bunch of XXXX I should have at least broke even. Then they tell me that I had around {$300.00} in trading fees in which is a bunch of XXXX due to that I did not make that many trades in this account. On top of this and you are going to think that I am crazy but yes my bank account deposits have been manipulated as well to make it look like I did not deposit as much money as I did place into this account! I HAVE PROOF! I have proof and hard proof that this company eToro has stolen money from my account. That I once used to have?? I'm most certain that you being the cfpb will not do anything to help me out this will end up the same as when someone had stolen {$12000.00} from my XXXX account to where they did the same thing to me as this company has dined to me in which is and was to shut me down by them closing my accounts??
Product: Credit reporting, credit repair services, or other personal consumer reports

Never received a debt validation letter before affecting my credit and did not receive new letters till after credit was affected to even be aware of any supposed debt. I am requesting a full valid debt verification. I would like to see full itemized billing and agreement of debt. I would like all information produced by original furnisher produced to debt collector.
Product: Bank account or service

I had US Bank for approx. 30 yrs but I wanted to change banks for several reasons but then somebody got ahold of my debit card and purchased an it from XXXX it was not me so I did a fraud charge they returned the money and I closed my account they tried to talk me out of it but I did anyway Then six months I get a statement I had {$370.00} in there that is the amount of the fraud charge so I go down there they reopened my account without my approval I told them I didnt want to owe them or them to owe me again they tried to get me to stay with there bank I talked to the manager and the assisstant manager but they insisted I took it I still closed the account. Now they are insistng I owe them that amount I dont believe They had no authorization to reopen my account. Can you please help me clear this matter up. I would really appreciate it.
Product: Payday loan, title loan, personal loan, or advance loan

in XXXX i was in foreclosure proceedings and they would not negotiate the 2nd mortgage. I ended up brining the first mortgage current. Then called Fulton to work on paying 2nd mortgage. They advised me it was charged off. Eighteen months later I was contacted by a attorney representing Fulton demanding payment. I entered agreement to make payments. Since that time Fulton has not been posting payments correctly and causing me to incur % on principal balance unnecessary. In XXXX they held 12 mths of payments and did not credit correctly- resulting into me incurring unnecessary interest charges on the principal balance. Now they are running months behind cashing my check and crediting my account. Each month interest is incurred off the principal balance. Their neglect to credit my account timely results in unnecessary excessive interest. I have written them numerus times. They did correct the non credit amount in XXXX- but DID NOT audit my account to credit me the unnecessary interest charges. The attorney will not even respond in timely manner- i have to demand filing a complaint. This is violation of ethics and is causing me monetary damage. I am a senior citizen and being treated unfairly. I have made payments on this account since XXXX and it still has the same balance due to their mistakes. Noone cares
Product: Payday loan, title loan, personal loan, or advance loan

I want to make a complaint regarding an issue I have with my current lender for a personal secured loan, One Main Financial. I have a secured loan with them where I used my XXXX XXXX XXXX as collateral.I started my loan with them in XXXX or XX/XX/XXXX, and every month I'd pay them in FULL on time before my automatic debit date of the XXXX of every month. They would always cancel the XXXX of the month automatic payment without fail since the payment was made in full and I asked to make sure it was canceled on the XXXX so the they wouldn't charge me again. That is until XX/XX/XXXX where I needed to make a payment arrangement for that month as I couldn't make my full payment in time as usual. 

My automatic debit date/ due date was the XXXX, however I called them on XX/XX/XXXX, 4 days prior. I did tell them I couldn't make my payment in FULL on time by the XXXX, can I make a payment arrangement? They said Yes. The payment arrangement I made that they agreed to and put into effect, was to pay half of the payment that day, in which I believe it was somewhere between {$140.00} & {$150.00}, then make the remaining half of the payment on XX/XX/XXXX which was my next pay date, that they would automatically debit from my debit card I provided them. I asked for them to cancel the XXXX of the month payment as usual since I was making a payment arrangement. 


They however didn't cancel the XXXX of the month auto payment which put me in the negative multiple times. I did have that loan paid off by refinancing a new loan, but they are still making me pay the balance owed from the old loan, which happens to be the balance that came about because they didn't cancel the XX/XX/XXXX auto payment like they should've when I made my payment arrangement 4 days prior. 

They are constantly telling me this is my fault when they are the ones who didn't cancel the auto draft payment due to me already making a payment arrangement days before. The manager has come off a bit rude about the whole situation, making it seem like I don't know what I'm talking about., saying it's my fault because the bank payment came back insufficient funds. I kept asking why was my account still charged when I set up a payment arrangement days prior and she kept telling me it's my fault not giving me an answer to why I was still charged when I shouldn't have been? 


My monthly payment on that loan was {$290.00} I believe Payment arrangement was : paid XXXX of XXXX XXXX payment due that day on XX/XX/XXXX the other half would automatically debited from the debit card on file on XX/XX/XXXX which was my next pay dates They were suppose to cancel the XXXX of the month payment due to me making this arrangement but they didn't which led to this entire situation and even making this complaint. 


Keep in mind I do have a new loan with them due to refinancing to get additional funds. They rolled over this amount from the old loan into the new loan
Product: Credit reporting or other personal consumer reports

Self Financial Inc- This account was set up fraudulently. I called the company multiple times, but they were unable to verify my correct SSN, email address and phone number used to establish the account. The company said someone would be in touch within 30 days, no response. Contacted the company multiple times to dispute account with no response and no live customer service rep to speak with.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  account XXXX, XXXX XXXX account XXXX, XXXX account XXXX, XXXX XXXX  account XXXX, XXXX XXXX XXXX account XXXX, XXXXXXXX XXXX XXXX account 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
Product: Debt collection

I received an email from XXXX  about a new collections added to my credit report. It is for {$140.00} medical bill. I never received any communication regarding someone claiming of money owed. I am Not responsible for any medical bills. I am on XXXX and XXXX and all my bills are paid by either the federal government, or the state of Michigan. I am on federal XXXX. I want the this company to fix what theyve done to my credit report for a debt I do not owe. The company name is Congress Collections and the collections notice on my credit report lists No company the original debt supposedly came from. I called today and they cant tell me where it came from. A dont know if its from a hospital, a doctors office, nothing. Other than my name they dont even have an address for me. This is not right. I want this company to fix the mess they made by reporting me THREE times to the credit bureaus, for the Same debt. I owe Nothing.

( I wish I had documents to upload but seeing as Ive never received communication from either a doctor, hospital, or Congress Collections. I have nothing to upload ).
Product: Payday loan, title loan, or personal loan

I have tried to work this out with the company for 3 months. I have an investment account with them. I asked them to use those funds to pay off my loan and closed my account because I could no longer afford it because I'm not working. they said they only do that for really delinquent accounts so I said basically you want to mess up my credit then maybe decide to pay it off when the funds are there. They have reported late payments I contacted them again they have yet to respond to my inquiries but continue to report my payments as late but yet I can't get in contact with them regarding this account so how can you report my payments late with your not communicating with me. I have more than enough in my investment account with them they refuse to use those funds to close his account before this account was late I have tried and tried to get them to use those funds to close this account. They are now ignoring me and ignoring my efforts to reach out to them. They were contacted first on XX/XX/XXXX before I was reported late. They replied XX/XX/XXXX. I replied same day received a response XX/XX/XXXX. I have an open Consumer report for this same issue but the company never responded. I disputed the late payment and they reported me 60 days late.
Product: Payday loan, title loan, or personal loan

My complaint concerns harassment and unfair debt collection practices by Liberty Finance, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX. I've done business with this company for 2 - 3 years and I always paid on time. Recently, due to being diagnosed with XXXX XXXX XXXX XXXX  XXXX, I had unexpected medical copays, as I do not have a XXXX XXXX XXXX. I am XXXX XXXX XXXX at at the time I opened the account, my only income was Social Security. As a result of the unexpected medical, my account fell behind. XXXX and XXXX, the office staff of Liberty Finance, refused to work out a reasonable solution on the payment schedule and as a result, my account was written off and went into collections. I was continuing to make payments, but my payments were less than the established monthly payments, due to my circumstances. They refused to work out a reasonable payment schedule with me. I have since taken on a part time job, although I am not physically able to do so. I am struggling. I began making weekly payments. I call them, or tell them in person, when I will be in each week and appx. how much I will be able to pay. My complaint is that I continue to receive harassing phone calls from particularly XXXX. She calls me even when I am at work, although I've told her the day I will be in to make a payment. She calls me on that day, in her words, " just to be sure I'm still coming in. '' This is excessive. She should wait until the next day should I fail to make the agreed upon payment on the agreed upon date ; but instead, she calls me on that same date. This is unnecessary and exhibits unfair debt collection practices and constitutes harassment. Still, they are refusing to establish a workable payoff payment schedule. It is obvious XXXX and XXXX do not know how to manage a consumer loan office and should be reprimanded.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT INQUIRIES REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD INQUIRIES 4inquiries These lenders have accessed your credit file : 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 RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Mortgage

Hello, Setursus mortgage lender took over my mortgage from XXXX XXXX XXXX and we have had problems with our payments going up because of our insurance, we purchased our own insurance where we have our car insurance, seturus was contacted from our agent and was told we will not be paying our insurance through them that it will be bank drafted through our personal banking account because my insurance agent and I had already had this taken care of, they were faxed the declaration by my agent and I also faxed it myself just to insure they received it. Seturus writes a check to my insurance company for a year payment over drafting my escrow account and still raising my payments after being told that we have our own house insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion remove this account as per enclosed documentation
Product: Debt collection

I am writing to urgently address a matter regarding my credit file. After contacting XXXX XXXX XXXX about an account on my credit report, it's evident they can not provide records for the mentioned account XXXX XXXX XXXX XXXX XXXXXXXX ). Despite this, representatives from XXXX XXXX XXXX acknowledged the situation and agreed to update my credit file.
Product: Mortgage

XXXX XXXX has repeatedly reported late mortgage payments made on time and verified via confirmation. International City Mortgage ( ICM ) has failed to assist/correct the fraudulent reporting of its mortgage payment processing center " XXXX XXXX ''. The excuse for the failure of XXXX XXXX to properly and promptly apply payments provided by ICM is that we provided " incorrect account information :. THE ACCOUNT INFORMATION ( BANK/ROUTING NUMBER ) WAS PROVIDED EXACTLY AS INSTRUCTED BY XXXX XXXX AND IS EXACTLY AS NOTED ON OUR CHECKS. Every payment has been made on time and is verified by confirmation statements sent by XXXX XXXX at the time of every payment, leading us to believe our payment has, in fact, been correctly processed. Weeks later, we receive a letter via US Mail stating they have not received payment. XXXX XXXX then assesses late fees and reports late payments to credit agencies. Repeated requests for assistance and resolution starting in XXXX and continuing to the current date have gone ignored. The fraudulent reports have significantly damaged our credit. The continued lack of response or ANY resolution indicates a serious customer service issue that must be addressed. Additionally, XXXX XXXX, XXXX ICM Branch Manager, upon obtaining our signature on the mortgage loan, immediately removed himself from any role of assistance, leaving us to attempt to seek resolution thru the main office in XXXX, California ; XXXX XXXX XXXX and XXXX XXXX have provided no relief at all. XXXX XXXX assured us he would " be there for the length of the loan '', if we ever had any problems, he would resolve. We are still waiting for ANY assistance whatsoever. Further, XXXX 's promise to set up a twice-monthly payment to minimize the loan interest has evaporated ; this was a key reason we decided to use ICM. XXXX XXXX appears to be using empty promises and false advertising to sell his product.