23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

CashNetUSA is charging late fees and noting my account as delinquent, but they are not debiting my checking account on the dates agreed upon. Since CashNet has not abided by the contract by not debiting my account as agreed, and as a result are adding interest to my loan and causing and declaring my loan is in default, I am requesting the account closed with a final payment of {$210.00}. They can not say I am in default 73 days when they do not perform the automatic debit as contracted. I took out the loan for travel to XXXX funerals in XXXX 2015 and relied on the terms of the contract to withdraw the agreed upon amount. What they are attempting to do now is steal money and tarnish my credit rating in the form of fees and a default notice. There is a deposit of over {$3000.00} on the XXXX and last day of each month, so CashNet has no grounds for late fees or default notices.
Product: Checking or savings account

I opened the checking account in XXXX of 2023. I found an offer that if you did certain requirements with a checking account, you'd get XXXX XXXX XXXX points. I needed a new checking account to pull for my mortgage. 

The requirements I got from my email : EARN UP TO XXXX XXXX XXXX XXXX* after completing the following required activities : OPEN a new checking account and enroll in the offer the same day before XX/XX/2023 SPEND the required minimum amount on purchases using your Citibank XXXX Card within 90 days after account opening MAKE at least 2 Enhanced Direct Deposits totaling {$1000.00} within the first 90 days of opening your eligible checking account within the same 90day window YOUR XXXX XXXX XXXX will be credited to your XXXX  account within 30 calendar days from the date you complete all required activities Problems : 1. Citi never sent me a debit card. I requested a replacement so I could meet the spend requirements. When I got my replacement, they sent me an ATM card which can't be used to meet the requirements, it can only be used to withdrawal money from an ATM since there isn't a Visa/Mastercard logo or CVV code. This means that I can't meet the requirements of the promotion, and it is intentionally difficult or impossible to meet. 
2. I attempted to contact Citi via XXXX, and I was sent around in XXXX XXXX- I could not connect to a live agent ( this was on XXXX, not a holiday ). I attempted to contact the bank for assistance, but could not overcome the XXXX. 
3. I attempted to close the account on XXXX online because of Citi 's deceptive practices, and I was told to either call the same number, or go into a physical branch. If I can not close the account online or through the phone, I'll attempt to go into a branch to close the account and ask for the maintenance fee to be removed, but it is a major inconvenience. 
4. I have been charged a {$12.00} maintenance fee because I don't maintain a {$1500.00} balance. Monthly the account does have over {$1500.00}, so it charges the fee when it likes to. I was charged a fee on the same day a deposit came in that would keep the fee above it. If the fee was considered a day later, I wouldn't of received the fee.
Product: Credit reporting or other personal consumer reports

Dear Equifax, Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. I have disputed this account in the past several times, the result comes back verified every time and I sent other letters after they sent the result saying it was verified and I requested of them to send information concerning Its my understanding that the credit bureaus have investigated this account and it keep coming back as verified. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I'm demanding the deletion of the following account. 
XXXX : XXXX According to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer. The FCRA emphasizes the confidentiality, accuracy, relevancy, and proper utilization of consumer information include : Consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of consumer reports. Ive listed below some inaccuracy that I found with this account -The date opened is different from Transunion- It's a violation because all three are not consistent `An account that has a payment status of collection/chargeoff should not have a past due amount-its a violation -The comments sections are commenting different comments, and they are not in consistent- It's a violation because all three are not consistent -The 'date last active ' is different from XXXX and XXXX 's a violation because all three are not consistent -The 'date of last " payment is different from XXXX and XXXX 's a violation because all three are not consistent -As far as the payment history is concerned, XXXX is not showing any payment history, Your company is showing all XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnd XX/XX/XXXX but XXXX is showing all CXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, which means that the payment history for all three are not consistent.
Product: Credit reporting or other personal consumer reports

My account with the XXXX XXXX XXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking the Account Review Inquiries on my XXXX Credit Report, XXXX XXXX XXXX shows up twice on the dates of XX/XX/2023 and XX/XX/2023. 

I first noticed this in XXXX of this year and called them on XX/XX/XXXX. They said that they had no information of mine on file and don't know why XXXX XXXX XXXX would appear on my credit report. 

It's now XX/XX/XXXX, and they once again appear from the previous month of XXXX. 

So they obviously have my information on file and are scanning my credit report without my permission, to do only XXXX knows what. 

I am not seeking a loan nor have I ever done business with these people. 

This appears to be outright attempts to commit fraud and needs to stop!
Product: Debt collection

No Notice was mailed account appeared on my credit report cause my score to drop no knowlede of this account
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts appear on my credit report, check them, they are not mine XXXX XXXX Account XXXX : XXXX This is not mine. 

CAPITAL ONE Account XXXX : XXXX This is not mine.
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 1681. 

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 reporting, credit repair services, or other personal consumer reports

I do not recognize these consumers that are on my credit report. 

XXXX  ( XXXX ) XXXX, TX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, UT XXXX XXXX XXXX ( XXXX ) XXXX XXXX, Tx XXXX XXXX XXXX XX/XX/2019 ) XXXX, Tx XXXX XXXX XXXX XXXX XXXX ) ( no address ) XXXX ( XXXX ) no address XXXX  XXXX ( XXXX ) no address XXXX XXXX XXXX XXXX no address XXXX XXXX XXXX XXXX XXXX XX/XX/2019 no address XXXX XXXX XXXX ( XXXX ) no adress These companies are false reporting
Product: Debt collection

TODAYS DATE:XX/XX/2019 ATTENTION DISPUTE DEPARTMENT DIVERSIFIED CONSULTANT XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C.  1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious DIVERSIFIED CONSULTANT XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XX/XX/XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XX/XX/year> To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Sincerely yours, 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. According to 15 USC 1681i ( 5 ), they are supposed to remove accounts that aren't reporting correctly. 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. 

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. 
Account name : XXXX XXXXXXXX, Account name : XXXX  XXXX, Account name : XXXX XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.
Product: Credit reporting

Yes. I sent certified letters that got no response nor action taking by the company
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  Account number XXXX, XXXX XXXXXXXX XXXX XXXX XXXXccount number XXXX, XXXX XXXX XXXX ( both listings ), XXXX XXXXXXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, and XXXX XXXX Account number XXXX has violated my rights. Specifically, 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

XXXX XXXX/XXXX/16 This is an unauthorized inquiry with NO PERMISSIBLE PURPOSE. As such, it must be deleted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MD XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Dispute of Inaccurate Information on Credit Report Experian To Whom It May Concern, I am writing to formally dispute inaccurate information that Experian is reporting on my credit report file, I noticed the following Negative item ( XXXX ) that I believe to be incorrect and/or unfairly reported : XXXX Bank ( account XXXX XXXX ) Inaccurate account number the account number on XXXX account number ( XXXX ) states a different account number. 
XXXX XXXX XXXX ( account XXXX XXXXXXXX ) has not been able to validate the debt they say I owe. I asked XXXX XXXX XXXX for the Purchase Agreement and the original agreement with my wet signature to prove that I owe the debt, which they have yet to provide. 
XXXX XXXX Bank ( account XXXX XXXXXXXX ) Experian and XXXX list different addresses for account, I received a email from a XXXX party debt collector ( XXXX XXXX, which is not listed on my credit report ) claiming that I owe them this debt with a different account number, and no proof that I owe this debt. 
Theres negative items are negatively affection my credit score, and I request an immediate investigation into their accuracy. Under the Fair Credit Reporting Act ( FCRA ), Experian is required to report only accurate and variable information. If Experian can not provide proof that these negative items are valid and correctly reported, I request that they be deleted from my credit report immediately. 
I appreciate your prompt attention to this matter. Please provide me with written confirmation of the results of your investigation. If you need any additional information, feel free to contact me at the details provided above. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly delete the following inquiries ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently notified Experian that I am a victim identity theft. The items in question do not belong to me. I have notified the US Courts and obtained documentation that shows that Experian is incorrect. How Experian claimed the information was verified and I would like to know what method was used to verify
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX, XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX  ) reported wrong information on my credit report stating I had a late payment for 30 days. I have never got any letter, call or communication from them stating I am behind in payments. I always made my payments on time and was really surprised or stressed seeing this wrongful information in my credit reports. I contacted XXXX XXXX  telling them to check their information and delete this wrong report but they stated they are unable to do anything about it. I am a responsible U.S. resident who works and pays his bills and taxes on time. This fact made me stressed and I want the Government Agencies to help me to overcome this hard situation and clean my report from these mistakes and make my life better. Thank you for your support and understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 6 months my financial institution ( XXXX XXXX XXXX ) and I have been trying to settle an issue with Equifax regarding my credit reporting. I have contacted Equifax numerous times and got my personal information verified and straightened out but I simply do not have a credit file with Equifax. My financial institution confirmed with Equifax that everything is being reported correctly but is being reported to another consumer under my SSN. Equifax confirmed this error with my financial institution and have not taken any neccessary steps to alleviate this issue. This issue has been going on for the past 5-6 years with out me realizing it. I have confirmed with the other two bureau 's that my SSN is not being used for anything other than the loans I've taken out because I can see those credit reports just not the Equifax report since there is nothing in it due to this issue.
Product: Credit reporting

XXXX had a glitch in their system that violated the rights of their consumers under section 6.11. I was affected from the glitch and my score suffered as a result. I was n't given a notice which is also a violation and I 'm requesting that ALL inquiries listed below be removed. 
Capital One Bank ( XX/XX/2015 ) Capital One Bank ( XX/XX/2015 )
Product: Mortgage

Re : US Bank - I disputed the XXXX % fee on principle. I feel this should be a flat fee of no more than {$100.00}, NOT a percentage of the loan balance. So, if a borrower has a $ XXXX balance or a {$1.00} XXXX balance the bank gets get XXXX % of that loan balance. I don't feel this is fair or equitable. They will be doing LESS work by not having to process these payments and bills each month/year. I feel they should be able to charge maybe {$100.00} or less and that's it ( a fixed fee ) NOT a percentage. Is what they charged me LEGAL? Thank you for your assistance. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX  XXXX to acquire about prices and packaging.The rep took my name and number and other info.He told me he would have to do a inquiry to see if I qualify. I EXPLICITLY TOLD HIM NO bc I was working on my credit. I then told him Id have to call back to complete my inquiry bc company had arrived. I was told the call was recorded so EVERY THING IM saying is verifiable. A couple hours later I get an alert from XXXX XXXX that XXXX had did a hard inquiry. This ocurred XX/XX/2019 around XXXX central time.
Product: Credit card

I received a notice from CITI that my Bloomingdales card, which I have n't used for a while, was enrolled in the " Credit Protection Plan ''. AND I was being charged {$.00} for every {$100.00} of balance, whether or not I was late. This was news to me? Never did I realize I had such a charge or signed up for this " Credit Protection? " I immediately called the number to unenroll and on the phone asked when I signed up, they said 2009? I then asked how much I had been charged to date and they said, " {$110.00} ''. I was pretty mad to know that they had charged me over the years and only wondered how many others this had happened to? I kindly asked for a full refund of the {$110.00} to which he said, " No. '' These deceptive practices may have been caught earlier by me if I was using the card regularly. I trusted Bloomingdales and trusted they would n't be charging me extra fee 's like this. I am very very upset that they would do this and not admit to the deceptive practices and refund me this amount. So I am turning to your agency.
Product: Debt collection

In late XXXX I received a third party debt notice from a company named XXXX XXXX XXXXXXXX about a utility debt ( Original creditor XXXX XXXX XXXX  debt amount {$4600.00} ) that was in my name. I didnt recognize it so I disputed it and discovered it was from a utility company in another state that someone had in my name. XXXX recognized this after some back and forth and in early XXXX rendered it fraudulent and had the item removed from my credit reports. In XX/XX/XXXX, I started receiving emails from a company named TSI ( Transworld Systems Inc ) about the same debt convergent had and stated I owed them now despite the previous outcome. They placed a collection on my credit reports so I wrote a letter to TSI explaining the situation with the previous debt collector. Instead of rectifying the situation, they updated the collection with the following status, Account information disputed by consumer - Affected by natural / declared disaster.