23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX  ago, in XXXX XXXX XXXX. A debt company had contacted me to collect debt from college that I had attended. This college was attempting to collect XXXX from me. I was orginally given XXXX scholarship grant for XXXX years of college. I was then told by financial aid that I owed XXXX for every semester and that only XXXX was used from grant. I ignored this as I was given scholarship so it did not make sense why I owed money where no in grant stated I would owe money after. The debt company and I made payment plan that would take my bank money for XXXX but instead, XXXX was taken out every XXXX weeks. I have not made payment and I decided to contact lawyer. This debt company as since called my workplace and I told them to ONLY directly contact me ONLY. The company has since called my job a total of XXXX times already. The man who is calling my job is named XXXX from William & Fudge Company.
Product: Debt collection

I am working with an attorney to file for bankruptcy . Encore Receivable Management  (  XXXX  ) keeps calling me, and will not stop calling me. They start calling me at  XXXX  and call me every hour on the hour throughout the day. Then they start the next day at  XXXX  and call me every hour on the hour throughout the day. This has been going on for more than a month now. I can not do anything about it. I have asked them not to call but they keep calling anyway. It is totally ridiculous. Please help me stop their calls.
Product: Student loan

XX/XX/XXXX  -- Applied for and was approved for forbearance while I 'm in a   XXXX   XXXX    XX/XX/XXXX  -- Received request for payments. When asked why this would be, was told, " There 's a new form now. Th e one  you filled out is the old form. '' No one could give me an explanation about why that 'new form ' was n't available when I applied for forbearance, or why they had accepted my forbearance with a supposedly-out-of-date form. I was out of the country at the time, so they put me in a temporary forbearance until I could officially re-apply.      XX/XX/XXXX  -- Re-submitted my forbearance paperwork, was approved.      XX/XX/XXXX  -- Received requests for payments. When asked how this could be, was told that my forbearance had only been approved through  XX/XX/XXXX . No explanation provided about how I could have been approved for forbearance AF TER the supposed end-date of said forbearance. Again re- submitted my paperwork, received no response.      XX/XX/XXXX  -- Received request for payments. Re-faxed my paperwork and tried to submit my paperwork online as well. Received an error message from the online system with no clear explanation of the error. Could find only  one e mail address for the company online so emailed a fresh set of paperwork and a screenshot of the error message I received online to that email so I could have written documentation of the issues I 've been having. Received a response that my email had been received, but no other communications.      XX/XX/XXXX  -  XX/XX/XXXX  -- Still receiving requests for payments.      XX/XX/XXXX  -- Finally have a chance to call Navient ( I wor k 80+ hrs/wk ). I  tell the representative my story. She says that the paperwork in  XX/XX/XXXX  had the dates of "  XX/XX/XXXX  -  XX/XX/XXXX  '' written on them. She tells me she can not produce those documents for me so I can see them. She refuses to look at the paperwork from  XX/XX/XXXX  which had been correct and accepted originally and in my opinion should be the working document. When asked for a specific *human* contact at the company with whom I can communicate, email my documents, etc so I can finally put this issue to rest, she says that 's impossible. I ask to speak with her supervisor ; I get put on hold then hung up on.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Checking or savings account

On XX/XX/XXXX, I received an email from Citi Bank, where I am a customer, offering a {$450.00} bonus to me, as a valued cardmember, for opening a Citi Accelerate Savings account and depositing at least {$50000.00}. 

That same day, I opened the account by clicking on the " Apply Now '' link in the email, where it asked if I was a Citi customer, which clearly I am as they sent the email to me since I was a customer. I then opened the account and submitted the transfer for {$50000.00}. 

The terms to qualify for the bonus were met in their entirety, which was confirmed via written documentation with 3 different chat representatives and by phone ( XXXX customer service phone number on XX/XX/XXXX at XXXXXXXX XXXX XXXX 

However, when the last chat representative submitted a complaint unsure of why the bonus was not applied even though it's been 4 months, it was denied because they said my account was not opened in the " Access Account package ''. 

This is highly misleading as I used the link in their email to apply, and their system directed me to login and apply for the account. I opened the same account, the Accelerate Savings, as they asked for. What difference does it make what package it was, and if it did, why did their system not direct me to the right spot? 

There was no way for me to know that the account I was opening would not qualify for the bonus. Further, I provided the invitation code on the email to a chat representative who assured me I would receive the bonus in that account once the money was there for 90 days.
Product: Debt collection

Someone from this company has called me several times after being told to stop calling. The person then began to use abusive language and call me names that was uncalled for. I'm not a XXXX, XXXX, XXXX, or a XXXX. 
This company calls every day. This has stop. The person has even threatened to come to my home. I am in fear for my safety and have alerted my local police.
Product: Vehicle loan or lease

I bought a XXXX XXXX and the car salesman lied to me and said it was a good economical car and it was completely the opposite. I notified the financial institute ( Quality Acceptance - XXXX XXXX, XXXX and XXXX of this occurrence. It cost me nearly a 1000.00 a  month insurance, car payment and gas. The finance company made the dealer take buy back the loan and I gave the car back. I have gone to a million dealers that say they use them because I was going to get the same loan and now I have a million inquiries, low credit score, the financial institute does not respond to my emails, they do not respond to the car dealers and I'm without a car for over a month. Please help. This is an injustice
Product: Credit reporting or other personal consumer reports

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX Experian Information Solutions ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 

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

I have reached out Experian on 3 separate occasions about this debt being incorrectly reported by XXXX XXXX XXXX. I have also reached out to XXXX XXXX as well. The date of first delinquency has been WELL over 7 years, and when informed of this, and told that the last activity on the account was almost 8 years old. Inspite of this, Experian has not verified the accuracy receiving nothing from original creditor ( XXXX  XXXX ) or account summery when last activity was, only asking XXXX XXXX XXXX to verify. XXXX XXXX XXXX fraudulently reported incorrect dates that have no documentation to verify the accuracy from original creditor. Only items provided was that there was delinquency 's from XX/XX/, but nothing on the status prior, because it would show there was delinquency then as well making the debt much older then is allowed to be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have provided Evidence to XXXX, XXXX, and Exquifax of my identity being compromised. I have pointed out several reporting errors on my credit report and the 3 Bureaus has consistently ignored my consumer rights. I feel the credit bureaus has lost reporting integrity and needs to Reprimanded for not upholding the Credit laws in place for consumers. Inaccurate reporting is against the FCRA laws, in which they are not following.
Product: Debt collection

I received another call from Citizen 's Bank 's asset recovery division. I do not have any loans from Citizen 's Bank. My XXXX XXXX XXXX son who is still a full time college student has a loan that was sold to Citizen 's Bank. The contact information on that loan at the time it was sold was his, not mine. I did not cosign for the loan and he should not have to make payments since he is currently a full time college student. It is possible that they are calling about this loan. They could also be calling about a debt owed by XXXX XXXX who is not related to me and has never used my home phone number.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inaccurate 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 process 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 had caused significant inconvenience and finical loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code S 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 resulted from an alleged identity theft, 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 identity theft! Please delete these items IMMEDIATELY! 
XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXXXXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
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 to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) 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 consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit card

I had the credit card for some time, but I had not used it recently. I am getting ready to travel out of the country and was counting on it to track my expenses for and while on that trip. Logged on to my online banking only to see the card was gone. 
In contacting PNC - first, it took a lot of transfers to get me to a person who could help me. Most were in off shore call centers. When I finally reached someone, I was told it had been closed due to lack of usage. I received no notification or letter from PNC stating it would be done. 
The problem is a bank looks at your credit history and removing an {$8000.00} credit card limit can be harmful to your utilization driving your score potentially down. Additionally, have a card notated as closed by creditor, has a very negative connotation and can alter whether another creditor chooses to provide credit. 
This seems like a conflict of interest as well as unfair to the consumer. Luckily, I had closed on my home purchase in the fall or this could have affected my ability to close my loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XXXX This CFPB complaint has been filed to request to pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card opened at XXXX XXXX on XX/XX/year> under the account number appearing on my credit report as XXXX. This Account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned account or hard inquiries as reported. The aforementioned account and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. The aforementioned account and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Submitted a dispute early last year in regards to inaccuracies found on my credit report, I received a letter back from each company saying that the debt was verified and it will remain on my credit report so I sent out a response letter to TransUnion, XXXX and XXXX requesting how the debt was verified and requested verfiable documentation from each company in question to verfiy the debt or payment history. Each company could not provide the following items I requested and contract with my wet signature and proof of ownership of the following accounts etc .... 
XXXX XXXX XXXX XXXX XXXX {$4100.00} - - -No Data XXXX XXXX {$900.00} XXXX - -No Data XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} - - XXXX XXXX XXXX XXXX XXXX {$0.00} {$0.00} I also went to founders personally and retrieved my payment history along with original loan documents and none of the information matches up with what is being reported. I did not have a repossession for XXXX months in a row nor was my balance XXXX it was less. the terms are also reported wrong as well.
Product: Credit reporting or other personal consumer reports

Per Fair Credit Reporting Act FCRA as a FEDERALLY PROTECTED CONSUMER, I am now opting out of ANY AND ALL authorization, I the consumer may have given you written, verbally or unwritten or nonverbal per 15 USC 6802. 




Best, XXXX XXXX XXXX XXXX
Product: Debt collection

IC systems placed a collection on my credit report that is not mine. I talked to the company and they even have a different social security number for me, but still placed this debt on my credit report. 
This account is not mine, I am handicapped and elderly and have not had a XXXX account in many years. There is someone who has my information, and I don't know who, they tried taking money from my bank account as well. I need to remove this asap.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 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 to be updated.

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. 


XXXX EXPERIAN XXXX 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!

Update the late payments from my consumer reports
Product: Student loan

After my federal student loan settlement ( XXXXXXXX XXXX XXXXXXXX ), approved in XX/XX/XXXX, I requested a discharge of my private student loan. Despite ample evidence, Navient denied my application, which I submitted in XX/XX/XXXX, and Navient denied in XX/XX/XXXX. The justification from Navient for their denial was unhelpful : " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' I would like the CFPB 's help getting further clarification from Navient as to why Navient denied my application when there is legal precedence for my school, The Art Institute of Washington, and lender, Navient, having committed predatory practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XX/XX/2021 and XX/XX/2021, I made Equifax aware that they were reporting erroneous information on my credit report. This includes accounts that I did not establish as well as incorrect demographic information. Equifax has yet to respond to any of those letters and the incorrect, unverified information remains on my credit file. They are in violation. They have not completed any investigation as I requested over this entire time period.
Product: Checking or savings account

On XXXX XXXX my wife and I opened an account with BMO Alto for a CD. I filled out the online form to have me as the primary owner, and my wife as a co-owner. BMO opened the CD after I had funded it from a BMO checking account. They emailed my wife an invitation to become a co-owner. She filled out the required form online, but BMO rejected her as a co-owner. We have called BMO Alto twice to resolve this issue to no avail. We never would have opened this account if we knew we could not both be owners. This is my wife 's money as much as it is mine, and it is not right that she can not have access to money which is hers. If I were to become sick or otherwise unable to manage the account, she would need to have access to our funds. BMO has refused to reconsider its decision on this, or to give our funds back to us, or even to give us a reason for the denial. The BMO customer representative who we talked to yesterday, XX/XX/2023 said she was referring our complaint to another level, but could not guarantee that a person would get back to us. We want our money returned to us without penalty, or my wife added as co-owner, as BMO offered on their website.
Product: Checking or savings account

After the merger of XXXX and XXXX XXXX  on XX/XX/year>2024, my business checking account has not been able to be accessed. After being on hold for approximately XXXX hours over numerous phone calls over many days ; and visiting the Provident Bank branch, no one has been able to explain why my account is still inaccessible as of the writing of this complaint, which is XX/XX/scrub> 2024. My account has been assessed XXXX overdraft charges of {$35.00} each because I have not been able to deposit XXXX checks totaling {$960.00} via the bank 's mobile app, which would have prevented the charges.
Product: Debt collection

Collection account was added to 3 reporting agencies on my credit report by LVNV FUNDING LLC. I sent two [ 2 ] debt validation letters on XX/XX/2023 and on XX/XX/2023 to LVNV Funding LLC. / XXXX XXXX XXXX. The company failed to validate the debt and instead sent me a drafted statement claiming I owe in the amount of {$1800.00}. LVNV Funding LLC. is still being reported on the 3 credit reporting agencies ( XXXX, XXXX, and XXXX ) after two debt validation letters were sent.
Product: Credit reporting

There is an unauthorized and fraudulent account from XXXX XXXX for {$270.00} listed on my Equifax credit report. This account do not belong to me. I have never had an account with XXXX XXXX. The account is the result of identity theft.
Product: Credit card or prepaid card

As per XXXX XXXX, TD BANK closed my credit card opened in XXXX which was in good standing and had over {$10.00} in rewards because I was inactive since XX/XX/XXXX without notification of their intent. My card expires XX/XX/XXXX. My credit limit was {$6800.00}. My credit score is almost 800 and was reduced by XXXX point because of the closing. I have 2 checking accounts with them for over 10 years.
Product: Credit reporting or other personal consumer reports

It says I was late or bankrupt but I can't find any proof of that in my records. The cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? XXXX XXXX Account : XXXX XXXX XXXX  Account : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX un-authorized inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX