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

In accordance with the Fair Credit Reporting act XXXX XXXX using 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

Complaint is regarding Betterment.

They offer Cash Reserve product, where they are advertising 4.75 % interest.

But their interest calculation and payment is fradulent.

For example. I initiated deposit into their account on Thursday. Money was withdrawn same day from my originating account. and posted on Friday.

On the Betterment side, they kept the deposit as pending until Tuesday, and didn't pay interest during this time when they already had my fund. 

This is fraudulent. XXXX offers similar product where they start paying interest while they say the deposit is " pending '' I have attached their support response on this issue I raised with them.
Product: Credit card

I submitted an application for a CitiAAdvantage Platinum Select MasterCard on XXXX XXXX by clicking through an offer that for XXXX AAdvantage Miles after spending {$3000.00} in 3 months. In the process of following up, I was told that I did not qualify for the offer due to closing a Citi AAdvantage Bronze card XX/XX/XXXX. 

The offer stated specifically that " XXXX XXXX AAdvantage ( R ) bonus miles are not available if you have had a Citi ( R ) / AAdvantage ( R ) Platinum Select ( R ) MasterCard ( R ) card opened or closed in the past 24 months. '' However, since I have not had a Platinum card since XX/XX/XXXX, I believe that I should qualify. 

If Citi/Mastercard count the Bronze card as part of the qualifications, then it needed to be explicitly stated. By stating XXXX specific card, it is understood by the consumer that other cards are not counted in the exemption, and that they are different products. 

Additionally, I have faxed the original offer that I clicked through and have not heard a response. The response time to secure messages has been over the promised 24 hours, with the same response multiple times. On the phone I was given the answer that the cards are part of the same family of cards, and therefore you are not qualified. When I asked to speak to a supervisor or if there was another number I could call for additional clarification, I was told that there was no one else to talk to, per their policy. 

I 'm attaching the offer which I faxed to them on XXXX/XXXX/XXXX at XXXX, EDT
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 to be removed/updated. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, 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 168XXXX. 

Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX All the XXXX accounts. I dont have the account numbers because I didnt get them. They arent mine and I dont know why they are on my credit.
Product: Credit card or prepaid card

I responded to an online advertisement for an American Express XXXX XXXX  card offering {$200.00} statement credit for any purchase on XXXX and another XXXX XXXX XXXX XXXX ( XXXX ) miles after spending {$1000.00} on XX/XX/2018. After I received my new card, I sent some money on a XXXX flight on XX/XX/2018 but did not see {$200.00} credit on my statement. On XX/XX/2018 I called Amex and spoke to operator XXXX who promised {$200.00} credit in 6-8 weeks. XXXX also encouraged me to spend {$1000.00} on the card by promising that I would get XXXX XXXX frequent flyer miles ( I have the conversation recorded and can provide a copy of the recording if needed. Because of XXXX confirmation I used the card to send over {$1000.00}. ) However, after 8 weeks have passed and I called XXXX I was told that they are not going to honor their promise and that I was not going to get {$200.00} or XXXX miles. The excuse I was given is that I used to have a similar card in the past. I was also told to send a letter explaining the situation to XXXX. However, it has beed almost 2 months since I sent the letter and no response came.
Product: Debt collection

XXXX 'S XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ca XXXX account # XXXX I SOLD A VEHICLE BACK ON XXXX A NOTICE OF TRANSFER AND RELEASE OF LIABILITY FORMS WAS SEND TO THE DMV ON XXXX. 
ON XXXX, XXXX XXXX I RECEIVE A LETTER FROM AMERICAN CAPITAL TO ADVISED ME THAT THE ACCOUNT WAS ON COLLECTIONS. 
I WAS ON SHOCK SINCE I NEVER RECEIVE ANY ADVICE FROM XXXX XXXX XXXX XXXX. 

ON XXXX I RESPOND TO AMERICAN CAPITAL BY CERTIFIED MAIL. 
THE ABOVE MAIL INCLUDED THE FOLLOWING. 

-COPY OF VEHICLE/VESSEL TRANSFER AND REASSIGNMENT FORM -COPY OF TRANSFER AND RELEASE OF LIABILITY FORM. 
-COPY OF THE PHOTO ID OF THE NEW OWNER. 

ON XXXX, XXXX XXXX I RECEIVE A RESPONSE FROM AMERICA CAPITAL CHARGING ME THE DEBIT. 
I CALL AND TALK TO XXXX XXXX, REGARDING ABOVE LETTER, SHE TOLD ME THAT INFORMATION I SEND WAS NOT ENOUGH TO PROVE THE LIABILITY. 

SHE TOLD ME THAT I NEED A ( FORM CALL INF 70. ) I WENT TO THE DMV RIGHT AFTER TALKING TO HER. 
DMV TOLD THAT I SHOULD NOT BE RESPONSIBLE OF THE VEHICLE SINCE XX/XX/XXXX. 
DMV STAMP THE FORM AND ALSO STAMP MY LIABILITY FORM AS PROVE THAT I AM NOT THE RESPONSIBLE PERSON. 

ON XXXX I CALL AGAIN AND TALK TO XXXX XXXX. 
AND SHE TOLD AGAIN THAT IS NOT ENOUGH. 

PLEASE HELP ME I NEVER BEEN IN COLLECTION ON MU LIFE. 
AND PLANNING TO BUY A HOSE NEXT YEAR. 
THIS IS NOT FEAR.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up process to ensure that the fraudulent items in my file are thoroughly deleted. 

Here are the items that needed deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$88.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX Balance : {$860.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My husband and I are currently in a right to purchase agreement with our landlord, and we wanted to buy the home from them. We decided to apply for a mortgage loan in the Early part of XXXX with Gold Financial Services. We did application process and we were pre approved for a loan. We sent the necessary paperwork over, and began the process. After careful review of the paperwork, we decided to use my credit score and information for a better rate etc.. The loan officer at that time told us that FHA was the only loan that I qualified for without the use of my husband ( XXXX and his CPA was still working on his taxes ). USDA was out because of income. He never mentioned a conventional loan or any other types of loans to us. I asked him did student loans count and was told NO. My husband was present. I was not made aware that with FHA your student loans had to be 1 % of the payment to qualify. I found out at the very last minute after I had to jump through many hoops and produce letters many times a couple days before closing at end of XXXX. I have text messages from the loan officer telling me at the last minute about the FHA loan policy and then he advised me to sell my car to my husband to reduce my income to debt ratio a couple days before closing. These unforeseen circumstances caused my family and me financial hardship. We are now having to pay a higher rent fee because we missed to the deadline to move out of our current home. The loan officer and branch manager breached their fiduciary duties.
Product: Debt collection

A person ( s ) has been contacting my daughter and saying their is a court matter that I need to address. I tried calling the number today with the " case '' number and I was given no information without offering sensitive information like my birthdate and social security number. The lady " XXXX XXXX '' said I called yesterday and said I wasn't me and said I was a liar. No such event happened. I would like whoever this is to please stop contacting my family.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under 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, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX Balance {$3600.00} Date Opened XX/XX/XXXX Moneylion Date Opened XX/XX/XXXX Balance {$0.00}
Product: Debt collection

Repeated calls even after I told them that the person they are calling is not at this number and to cease calling my cell phone or I would report them. I have NO DEBTS and I want these calls to stop!
Product: Credit reporting or other personal consumer reports

The inaccuracies on my credit report are a big hindrance to my financial freedom, my application for new credit keeps getting denied because of this. It is so frustrating that my rights as a consumer is being violated.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I transferred {$4900.00} in BTC ( bitcoin ) from my secure wallet to my Coinbase Account. This transaction is still pending 9 days later and Coin Base will not reply to any support tickets I create concerning this problem. Additionally, when I click view transaction on Coin Base 's website, there is a message saying that the transaction hash can not be found. 

I would like a member of the Coin Base support staff to either correct this issue or contact me in order to have it corrected. 

Thanks
Product: Debt collection

Jefferson Capital Systems called my phone at XXXXXXXX XXXX and at XXXXXXXX XXXX on XX/XX/2023. I have an XXXX and calls that are not in my contacts are sent directly to voicemail. Jefferson Capital never left a message at anytime and I didnt know that were trying to reach me specifically until I was served with a summons. So to answer the summons I had to go back to research if they ever tried to contact me and that is when I seen what had occurred.
Product: Debt collection

I was contacted on XXXX XXXX, XXXX at XXXX pm in the afternoon by IQ Data International and was told I owe money for a debt and that I should pay you or it will go on my credit report. I told your IQ Data International I was completely unaware of any debt owed and had not received a bill, notice, or information about supposed debt of any kind. IQ Data International representative XXXX told me they had sent a notice and he confirmed my mailing address which was accurate. I told him to resend it as I obviously did not receive it and I would get in touch with the alleged party who said I owed this debt and had passed supposed debt onto your collection agency. 
It is now XXXX XXXX, XXXX and I received an alert from my credit monitoring service that a derogatory collection account had been placed on my credit report from IQ Data International. I called back IQ Data International again and spoke to XXXX who said they had resent a bill. I told him I still have not received a bill of any kind from IQ Data International and asked him to send the bill certified mail so I can have proof it was sent, XXXX said your IQ Data International does not do that. I also asked to have it sent COD or any other means which I will pay for, once again XXXX said your IQ Data International does not do that. So I still have no idea what this supposed debt is for. IQ Data International fails to send any documentation and when requested to send it via provable means they refuse. Instead they put an unvalidated collection account on my credit report, damaging my families financial future, which will possibly cost me tens of thousands of dollars in extra interest over the years, declined mortgage/car loan applications, and even affect my employment and future employment opportunities. I owe. In my opinion this is the financial version of extortion and certainly is not FAIR debt collection practices by any means, on the contrary, it seems illegal. 
By law I was to receive a detailed validation notice of supposed debt within 5 days after initial contact. It is now over 35 days past the first contact and I have yet to receive anything. And full well knowing I have not received this, IQ Data International still went ahead and posted this 'supposed ' debt on my credit report. Worse yet, I have made good faith efforts and reasonable attempts to try to even find out what this debt is for, yet your IQ Data International has not sent me anything while continuing to harass me with phone calls causing me severe anxiety, stress, and a feeling of helplessness. Is it not fair to know what a debt is for before paying it? Why do I own the burden of proof here?
Product: Vehicle loan or lease

My Consumer Credit Transaction with Santander Consumer USA for a auto loan was breached and violated Consumer Laws on XX/XX/XXXX. In my contract, my interest rate is 19.20 % at a Finance rate of {$20000.00}. How is that? I am financing a XXXX XXXXXXXX XXXX XXXX  XXXX XXXX used with XXXX for {$29000.00} including gap. Its to high of an interest rate. My total sale price is {$52000.00} for the entire loan. I notice in my gap coverage that they had put my amount financed for {$29000.00}. It doesn't match with my Retail Installment Agreement which is {$29000.00}. Also a good friend of mine that XXXX XXXX stated to me that they salesmen and the manager lied and adjusted my income at the time for approval. I been paying my monthly bill until i lost my job due to XXXX and i asked for assistance with them they said they cant because I already asked for financial help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of inaccurate addresses on my credit report that does not belong to me. This will cause and is causing harm to me as a consumer. I need my location information updated to the one on my CFPB profile.
Product: Checking or savings account

I opened a Citizens Bank checking and savings account on XX/XX/2023. On XX/XX/XXXX, Citizens bank closed my account without giving me any reason leading to my direct deposit being returned and causing a host of other problems with other payers where I was intending to use my account. 

Citizens Bank has refused to provide any information on why my account was closed. They then sent me a letter to visit a branch and the branch went on to say that they can close any account at any time without any reason clearly alluding that we have the right to discriminate as and when we see fit - rules do not apply to us. 

After a few days of closing my accounts, Citizens Bank then went on to email me stating that my username/password has been compromised. After trying to deal with them over the phone while on XXXX XXXX, I was never able to figure out what happened until I reached home and learned that my accounts were unceremoniously closed. 

Over the last one month, I have tried to call the bank, reach out to the branch, but the bank has refused to assist me and reopen my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a small loan tradeline that I never applied for to my consumer credit file. I never authorized an account in my name with XXXX XXXX, especially a small loan with XXXX nor was I aware that an account was ever opened in my name. XXXX is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any account with XXXX. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA
Product: Credit reporting or other personal consumer reports

XXXX provided a copy of my credit report to multiple companies without my authorization : -XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXJPMCB Auto Finance on XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX As such , it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Product: Debt collection

Credit Collection Services : This company is claiming I owe {$220.00} for equipment and services to XXXX. 

I have never had a direct bill with XXXX, that was handled by my lessor, XXXX. I borrowed equipment at a cost of XXXX per month starting in XXXX, and that was returned by XXXX XXXX. 

The agency is requesting a receipt for the equipment saying that it has not been returned- I called XXXX XXXX XXXX 's XXXX on XXXX/XXXX/XXXX and spoke with XXXX XXXX she said they do not have any information on this purported debt under my name. 

Also if this debt were to be true, XXXX has never contacted me before CCS started calling -- leading me to believe it is a debt wrongly created and sold/passed on to another collection agency. 

Credit Collection Services has no evidence of these debts, just XXXX lines reading : SERVICE AMOUNT XXXX VALUE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a XXXX alleged debt that is on my credit report since XX/XX/XXXX. They say the account was open in XX/XX/XXXX. I have disputed with the credit bureaus, XXXX, XXXX, and Experian, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. All credit bureaus sent me generic responses/ credit reports that say valid or verified. They never sent me any additional information on how they verified and any documentation bearing my signature. I have also disputed directly with XXXX and all they send me are invoices. The dates that I disputed with XXXX is XX/XX/XXXX & XX/XX/XXXX. The amount of the alleged debt that XXXX is stating that I owe is {$110.00}. I know that's not a lot but I refuse to pay something that is not mine. This situation is causing me emotional distress and due to this negative mark I have been unable to get a better paying job. I have also been denied credit cards due to this negative mark.
Product: Credit reporting or other personal consumer reports

I have filled a complaint about my credit score and name I dont know why old name keep coming up I changed my name and now it shows to credit profile and now my credit score shows lower on old credit profile it should under my old name XXXX XXXX XXXX I lost XXXX points Im so confused as whats going on that profile under XXXX XXXX need to be removed
Product: Payday loan, title loan, or personal loan

Tried explaining my husband became ill with needing a XXXX XXXX ; they didnt care. They wrote it off as bad debt and then turned around and sued me. Has been on my credit for months already.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX RE : Attorney Letter To Sub-Paid Agencies : XXXXXXXX XXXXXXXX XXXX You Are A For Profit Business, Not A Bureau, the only Bureau is CFPB. 

I've attempted on numerous occasions to get you to correct my file, I've sent ID Theft Info, I've asked for validation and you continue to tell me its validated but its only validated between the XXXX of your agencies. I did not give consent for any of you to purchase my personal information then publicly display it without my permission, and because you will not comply to my requests and FRCA laws, I must seek legal actions and possibly request {$1000.00} per incident over the past 6 months. 

Please see the attached letter.
Product: Credit reporting or other personal consumer reports

I consistently make on-time payments, of which I am certain. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors should be rectified, or they will owe me {$1000.00} for each account reporting inaccurately.