23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I opened this account around XXXX 2016. Ever since I have had the account I have had nothing but issues. When I first opened the account, they ended up opening a secondary checking account without my permission. The account I wanted to be open was being activated correctly by Citibank ( Citigroup ). I asked them why are XXXX accounts open with different checking account numbers and they did n't know. So I had them close the other account. For the account I wanted activated it took almost a month to get that activated because they kept sending me the old account signature card information to sign ( this is to open the account ) and the account I wanted to be open they kept saying that they have n't received my fax or mail regarding the signature card to sign. I had a direct deposit in the account so I was n't able to access any of my money. It makes it worst when they do n't have any branches within XXXX miles of XXXX XXXX. The next issue was the debit card. I requested to have a debit card sent, but they ended up sending me a debit card for the closed account. So I had to wait another 14 days just to receive that. The other issue was the starter checks. I asked for starter checks and they sent me the checks. This was probably the only thing they did right, however, they ended up charging me for a full box of checks that I never ordered and never received. I had to argue with the representative just to get the charge taken off. The last straw was today on XXXX/XXXX/2016. I find out my account has been suspended for some reason that no. Of the representatives can explain. They did n't notify me, email, or even text. So I am about to wake up to go shopping and to check my balance only to find out the entire account is shut down. I was very upset and told them to close the account for good. I have had nothing but issues with this bank and the customer service department is so rude. It 's like they want to argue about everything and put the blame on me, when it 's them not doing their job. I went to my other local bank and told them to stop payment on everything and changed my checking account so they would n't have any crazy charges or transfers from my account. Also, another thing that bothered me was that they held transactions for almost two weeks and when something is done processing and closed, they will reopen that transaction a week later just to see if I have a big charge to make things go negative. Well that happen with a check I wrote and the representative told me they would not charge the account a overdraft fee if I deposit money by check. Well I deposited money by check and was still charged a fee. Citibank even created issues with my car rental company. I had paid off the vehicle and they took the {$370.00} out, but they kept saying there was n't any funds in the account but I had {$700.00} dollars. They held that payment for a long time. Worst bank, worst policy, and by far the worst customer service I have ever experienced from any company.
Product: Vehicle loan or lease

I no longer has the vehicle nomore it was sat a fire in I dont see how its missed payment XXXX XXXX my credit when I was told the insurance company wrote them a check the car was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX and original creditor was XXXX tXXXX XXXX XXXX XXXX XXXXXXXX and opened on XX/XX/XXXX. Also, XXXX XXXX XXXX XXXX and original creditor was XXXXXXXX XXXX XXXX XXXX XXXX XXXX and opened on XX/XX/XXXX. Moreover, XXXX XXXX XXXX and original creditor was XXXXXXXX XXXX XXXX XXXX XXXXXXXX and opened on XX/XX/XXXX, XXXX XXXX XXXXXXXX $ closed XX/XX/XXXX, XXXX XXXXXXXX XXXX $ closed XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX $ closed XX/XX/XXXX, XXXX XXXX XXXX {$960.00} closed XX/XX/XXXX, XXXX XXXX XXXX XXXX $ closed XX/XX/XXXX. Finally, XXXX XXXX XXXX and original creditor was XXXX XXXX XXXX XXXX  XXXX and opened on XX/XX/XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a contract nor any contract with LVNV FUNDING LLC. I have never done business with this company. I am not liable for collect from this debt from XXXX XXXX XXXX  FOREVER. I am not responsible for this debt from LVNV FUNDING LLC. I am asking for an original signed contract, including any electronic signatures, full payment history from the original creditor, and the original purchase agreement, and if the company can not provide all three of these the debt is in fact invalid and needs to be immediately removed from all three credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian, XXXX, & XXXX notifying them all also showing proof of Identity Theft & showing The XXXX XXXX XXXX Car Loan & the XXXX XXXX Credit Card doesnt belong to me nor have I allowed anyone to open them in my name they have all responded saying they placed it back on my credit report because the Creditor responded to the dispute saying the accounts belong to me & Im responsible this is very wrong & my credit reports should not have this negative information reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was open without my knowledge, I have been trying to get this remove from my credit it was not mine, it was open in XX/XX/2015, I have disputed it and no one will help me, I never received the money, and this is hurting my ability to by a home. our anything else
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. ( Inquiries ) -- - 1. XXXX - XX/XX/2021 XXXX / 2. XXXX - XX/XX/2021 XXXX / 3. XXXX XXXX XXXX  XX/XX/2021 Experian / 4. XXXX XXXX XXXX Mortgage Companies XX/XX/2021 Experian / 5. XXXX  XXXX  - Mortgage Loans XX/XX/2021 - XXXX / 6. XXXX XXXX Mortgage Companies XX/XX/2021 XXXX / 7. XXXX - Mortgage - XX/XX/2021 XXXX / 8. XXXX - Mortgage - XX/XX/2021 XXXX / 9. XXXX XXXX XXXX - Mortgage Companies XX/XX/2021 Experian / 10. XXXX - Mortgage - XX/XX/2021 XXXX / 11. XXXX XXXX Mortgage Companies XX/XX/2021 Experian / 12. XXXX XXXX  Mortgage Companies XX/XX/2021 XXXX / -- 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX 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.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I submitted an initial complaint with the Consumer Financial Protection Bureau in regards to Lending Club 's billing practices. During my XX/XX/XXXX telephone call to Lending Club, the representative told me I was not able to change my due date without paying two payments within the same month. When I advised her that I wouldn't be able to do this, she asked if I wanted to cancel. I acknowledged yes. Despite requesting the cancellation of the due date change, the due date change of the XXXX is still active and Lending Club online payment portal is requesting for me to make two payment 's, one for XX/XX/XXXX and one for XX/XX/XXXX. The purpose of this due date change was for me to act in good faith of making on time payment 's to Lending Club. As expressed on my call on XX/XX/XXXX, my current pay schedule does not allow for me to make payments on the XXXX of each month. I spoke with a second representative on XX/XX/XXXX that advised me of the same requirement of having to make two payments in the same month. Lending Club responded to my initial CFPB Complaint filed on XX/XX/XXXX, acknowledging that the information I received was incorrect but my concern is how many consumers has Lending Club not allowed to change their due date and inadvertently reported late to Credit Bureaus because of this incorrect information. If the information is found NOT to be true, then why is it causally rehearsed as a Guideline and asked of the Consumer to acknowledge when attempting to make the due date change? Lending Club billing practices are subject too much scrutiny and will be reported to the Attorney General following this complaint. 

Please note another attempt was made to cancel the due date change on a subsequent followup call XX/XX/XXXX and to date, I am still required as per Lending Club 's online payment portal to make two payments.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violated 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 Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account:XXXX 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 an account without my written instructions. 

This account is fraudulent account, I did not open any account with this company.
Product: Debt collection

Hi Mr./Mrs./Ms., I hope this message finds you well. I am reaching out regarding an issue I encountered with my credit report. I would like to request assistance in removing a debt collection entry from my credit report and restoring my credit score to its previous standing. 

Your help in resolving this matter would be greatly appreciated. Please let me know the next steps or any information you may need from me to proceed.

I am writing to address an issue concerning a debt collection entry from Eastern Account System related to XXXX XXXX, which has recently impacted my credit score.

I have not received any emails, phone calls, or letters from either Eastern Account System or XXXX XXXX regarding late payments or any requests to return equipment from the service address at XXXX XXXX XXXX, XXXX, TX. I do not or have an access to login to their website to check or anything. I moved out of this address in late XXXX, and I was not notified or given an opportunity to resolve the issue before this debt was reported to my credit report. 

It wasnt until my bank notified me of a drop in my credit score on XX/XX/XXXX that I became aware of the debt. Upon learning this, I immediately contacted the debt collector and paid the amount in full that same morning. However, when I inquired with the representative about why I was not notified beforehand, she was unable to provide an answer. 

As someone who has worked diligently to maintain a strong credit scoreachieving a XXXX score and an XXXX XXXX score with XXXX  XXXX find it difficult to believe that I would have ignored the opportunity to resolve the issue if I had been properly contacted. The lack of communication from both XXXX XXXX and Eastern Account System before the debt was reported to my credit is unfair and has negatively impacted my credit. 

I respectfully request that you assist me in removing this debt from my credit report and restoring my score to its previous level.
Product: Debt collection

USAA is constantly calling my cell phone. Im submitting this complaint after I asked to be placed on the Do Not Call list 3 times. I told them that I was unable to make my payment of {$56.00}. This is the first time Ive ever missed a payment and theyre called numerous times and sent a letter. The times they called were : XXXX- XX/XX/XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX-XX/XX/XXXX XXXX- XX/XX/XXXXXXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Unknown persons are illegally contacting Equifax without my consent and deliberately changing my personal information without my consent. They are bypassing authentication procedures. The Equifax employee on XXXX XXXX XXXX also did not properly reinstate the fraud alert, instead REMOVING it. I had to re add the Equifax fraud alert myself, which put my identity at risk for a number of days in which I would not receive any alerts about fraud and identity theft which I am a victim of. Rude, incompetent and dangerous staff that do not care to investigate fraud.The female employee I spoke to on XXXX XXXX XXXX also refused to acknowledge that the employee deliberately left my credit file exposed without my consent, and claimed that the employee had reinstated the farud alert on XXXX XXXX XXXX  when I was the one who had reinstated it MYSELF. An insult to consumer 's intelligence as well as dangerous business practices facilitating fraud.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am formally disputing the accuracy and reporting of the following account on my credit report per my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance requirements : Creditor Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the FCRA 611 ( a ), all information reported to the credit bureaus must be 100 % accurate, verifiable, and compliant with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Metro 2 reporting guidelines .

I am requesting a full investigation into the accuracy and completeness of this account 's reporting. If this account is being reported in violation of Metro 2 compliance standards-including, but not limited to, incorrect Date of Last Activity ( DLA ) , inconsistent payment history, or unverifiable ownership-then it must be
corrected or permanently deleted from my credit file. XXXX and XXXX are already being sued for these sham investigations. 

I request that you : Provide me with the complete verification records for this account, including the method of investigation. Confirm that the reporting meets all Metro 2 data integrity standards. Remove the account immediately if it can not be 100 % verified as compliant with federal and industry standards. 
Creditor did not Provide : Requested Validation Chain of Ownership ( Securitization ) Assignment Contract with Wet Signature Please respond within the legally required timeframe of 30 days. Failure to comply may result in further action being taken. I appreciate your prompt attention to this matter and look forward to your written confirmation.

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Obtained a Loan Modification agreement and Trial Period from XXXX XXXX XXXX, Agreement signed on XX/XX/2015, with payments due on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
mortgage was sold to Carrington Mortgage Services on XX/XX/2015. I made all four payments, but Carrington claimed I did not make the XX/XX/XXXX payment, despite having it on record. They denied the Loan Modification based on that, rejected my XX/XX/XXXX Payment and my XX/XX/XXXX payment, then initiated foreclosure claiming I had not made the XX/XX/XXXX payment ( which was not due or owed due to the modificaiton agreement ) now they wo n't work with me, refuse to look at their records and are going forward with foreclosure.
Product: Student loan

Hello, I recently applied for a Parent Plus Student Loan Refi through SoFi. I  am retired and therefore have no earned income at this time. I submitted my retirement savings for income verification and was denied. I was not offered the opportunity to have a co-signer or to verify additional income. 

My complaint is regarding sex discrimination. 

My husband applied for a personal loan through SoFi a week or two prior to my application. He too is retired and submitted our combined retirement account statements as income verification. He was approved, no questions, no need for co-signer, no additional documentation needed. 

I spoke to SoFi this morning and expressed my concern for how my loan was processed and they spoke with both my husband and I on this call. They did not have a good explanation of why they could use my retirement account to verify his income, however, they could not or would not do the same for my loan. 

I am very disappointed to have been treated unfairly and with bias toward being a woman. I appreciate you looking into this situation.
Product: Debt collection

They sent me personal information that they should not have on file including XXXX XXXX. they also appear on my report XXXX
Product: Credit reporting 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 under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( a ) ( b ) And according to 15 USC 1681i 5 they suppose to do this ( XXXX ) treatment of inaccurate or unverifiable in formation ( A ) in XXXX, after any reinvestigation under paragraph ( XXXX ) of any information in disputed by a consumer, an item of the information found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( XXXX ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681 s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against NATIONAL CREDIT ADJUSTERS LLC for committing identity theft and violating my consumer rights. I have never given NATIONAL CREDIT ADJUSTERS LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from NATIONAL CREDIT ADJUSTERS LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If NATIONAL CREDIT ADJUSTERS LLC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until NATIONAL CREDIT ADJUSTERS LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and NATIONAL CREDIT ADJUSTERS LLC continues its collection efforts, I will file for litigation for actual damages caused and NATIONAL CREDIT ADJUSTERS LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

I have been reviewing my credit report on 3 agencies. Through my research and investigation, I have noticed that there are many inaccuracies and incomplete information. However, to be fair to me as a consumer, this inaccurate and incomplete information has had a negative effect on me being able to be approved for creditors. Having negative, inaccurate, and incomplete information has contributed to my denial of credit. In addition to having information on my report for closed accounts and too many addresses. As a consumer, I request that the following inaccurate, incomplete, old addresses and closed accounts be removed from my profile. Also, there are 2 inquiries from XXXX at the end of this document that needs to be removed. As per 15 USC 1681 ( I ) ( 5 ), I am sending this request and supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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: Debt collection

Alliance Recovery repeatedly calls me staring from XX/XX/XXXX. This paid was paid under a settlement amount and it was back in 2011. The representative from this office, who says is a manager, is extremely rude and will not give me any information except to threaten me that I will not like what he will do if I choose not to pay this debt. He has repeatedly robotic called me at my job even though I have asked him not to and has even told me that he doesnt care if I pay this that he will continue to call me. I need to stop this harassment
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I contacted transunion everyday this week regarding two fraudulent accounts on my transunion credit report. This was the week of XXXX XXXX. 2022. I filed a FTC report and I would like this matter handled please! Everyone was very rude and not helpful at all!