23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was instructed by Experian to open a claim with the Federal Trade Commission. On XX/XX/XXXX, an inquiry was created by XXXX XXXX  XXXX. On XX/XX/XXXX, I inquired about a car loan refinance with another company. I suspect that my personal and proprietary information was shared with XXXXXXXX XXXX XXXX  without my consent. I did not authorize this. Will you please correct this and remove this inquiry? Thank you.
Product: Credit card or prepaid card

I called USAA about their repeated mailings. They are interminably sending offers to my self and my wife for both insurance and credit card offers. I wanted to be taken off their marketing mailing lists. We do not have a relationship with USAA When I called them, their CSR stated that he could not help me because I " don't have an account number or profile number ''. 

Stating the obvious, I said I don't have either of those but I do have my address and the other info on the latest offer for a USAA XXXX card. He apologized for the inconvenience but couldn't help me. 

After asking to speak with someone up the food chain, he went off and, after some time, said the same thing : " Sorry, I can't help you without a profile or account number ''. 

That is ludicrous. I am in their database or I would not be calling. An account number comes AFTER I establish a relationship. Not before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted all information, with letter from the FTC, police reports & proof of identification but although im a victim, and i pay my bills, negative merchants want me to pay someone elses bills?! I did not open nor use any major credit card since prior to 2000! 
I Paid my school loans & earned my XXXX XXXX & paid b my losns off with XXXX becc back never a day late!
Product: Credit card

XX/XX/year> Applied Online for myWalgreens credit card issued by Synchrony Financial and was approved. Prior to applying I had reviewed the cards terms of agreement and offers none of which mentioned anything about a monthly {$1.00} paper statement fee being charged for any balance over {$2.00} in a billing cycle Shortly after taking the card out, I began seeing on each months statment a preprinted notice ; regarding paper statement fees will be starting come soon and to avert them, I can enroll in electronic statements. 

I am XXXX and rely on my paper statements nor do believe that is fair or right to bait and switch applicants like myself. I am needing paper statments because my email is flooded daily with emails so much that I can not keep up. Thus if I were to miss my email re ; my billing, the consequences would benefit SYFB since that too would involve late payment fees. 

Thanks for your consideration but wanted you to be aware.
Product: Credit reporting or other personal consumer reports

These inquires are unauthorized and they are not related to any transactions by me XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have already put in XXXX complaint regarding this company. They reneged on the interest rate lock period. However in communicating with XXXX XXXX, he sent me the following information about the procedure of setting up the loan and getting an appraisal. As you can see, XXXX states that '' we lock the rate for 45 days. Once we receive your documentation that is when we move forward with the appraisal and ultimately bring the loan to closing. " XXXX, I followed XXXX 's instuction and had the appraisal done. However, all of my information was not submitted before the appraisal. I paid, I believe {$420.00} for the appraisal and yet, my XX/XX/XXXX tax returns were not turned into XXXX. I actually did not get my XX/XX/XXXX tax returns until XX/XX/XXXX The directions were not followed. XXXX XXXX then rescinded my 45 day interest rate lock and I lost my money and the ability to get the loan that I wanted. I sent XXXX an email telling him that the proper timing for the appriasal was not followed, but I have n't heard anything from him regarding a return of my appraisal costs. The email to XXXX is as follows. 

Obviously, if you do n't have my XX/XX/XXXX tax return, the appraisal was done prematurely. 
From the start, I told you that I did not have my XX/XX/XXXX tax return and you told me that the deadline extension would suffice. I sent that in to you. You didn '' t tell me that you needed my XX/XX/XXXX tax return until almost the end of my first interest rate lock. 

XXXX XXXX XXXXXXXXXXXX ( XXXX XXXX XXXX
Product: Credit card or prepaid card

I still have {$110.00} reward balance when the Capital one Spark visa was cancelled by the bank.I didnt owe them money and I always paid off the bill before the due day. I didnt received any notice or reason.I tried to talk to them, but I was denied from XX/XX/2018-XX/XX/2018.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and u fair 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 have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credence put collection in the amount of {$700.00} on my credit reports without my knowledge ; in doing so Credence RM violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. I request the following information be verified : Full original account number date original account was opened written agreement between myself & original creditor stating the debt is owed Full account summary & itemized calculation of alleged debt Date of the first delinquency Dates and times of any phone calls made in attempt to contact me concerning the alleged debt and to what phone number, before it was reported to Credence RM ( proving that these calls were made in the times governed by FDCPA law ). 

If Credence RM is unable to provide the account information, this account must be deleted from all credit reporting agencies. I have filed a dispute with XXXX which is pending investigation ( tentative date of results is XX/XX/2022 ). Credence RM failed to follow FDCPA by not sending me a letter allowing me time to dispute or validate the alleged debt within the allowed time XXXX time frame that is allowed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2016 IS WHEN THE ACCOUNT IS SHOWING IT WAS OPEN. AMOUNT {$35000.00} ACCOUNT NUMBER XXXX
Product: Bank account or service

Key Bank is processing debit transactions before credit transactions. In 2013 the CFPB said that the largest banks were processing credits before debits to avoid material losses to their client base. I feel that this process is deceptive, and not fair to their client base. 
Example : Account balance @ Key Bank : {$0.00} Mortgage Coming out @ Key Bank : {$800.00} OD/NSF Fee Assessed @ Key Bank : {$38.00} Direct Deposit going in @ Key Bank : {$1000.00} Ending Balance the next morning : {$160.00} At any other bank you would have {$200.00} because they would have credited your direct deposit before taking your ACH mortgage out. 

Additionally, their systems allow for the mortgage to actually be returned as well if no one is available to manually pay the item with the direct deposit still sitting there. This potentially causes an entirely new set of problems via foreclosure and such.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to have XXXX  on account incorrectly. I am attaching the monthly payments. XXXX was not late 5 times. XXXX has been reporting falsely for months and I have contacted XXXX XXXX XXXX XXXX which handles Consumer issues and they will investigate the company on these unless this is fixed. They continue to report avail credit incorrectly as well. As reported does not match the statements either. I have paid them over 2600 Attached is all proof. Also XXXX continues to report hard inquiries incorrectly. I have disputed all the ones I did not authorize. I did contact the ones I am disputing most of them do not answer any calls or emails because scams and 3rd party internet predators. I have 6-7 inquiries on XXXX and XXXX. XXXX  is the only one with almost triple amount. These need to removed immediately. These inaccuracies are causing harm and not being removed. Also attached the information as XXXX website will not allow me to dispute online it just goes to attached screenshots and sits there or tells me I have to pay XXXX
Product: Debt collection

THE COMPANY TRANSWORLD SYS INC/XXXX  PURCHASED A DEBT FROM SOME OTHER COMPANY AND I WAS UNINVOLVED IN THE ILLEGAL TRANSACTION. PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING I AM NOT MY ALL CAPS NAME. I NEVER SIGNED A CONTRACT OR PROMISSORY NOTE WITH TRANSWORLD SYS INC/XXXX. XXXX, XXXX  & XXXX  ARE ASSUMED TO BE CREDIT BUREAUS BUT PURSUANT 15 USC 1692 ( A ) ( 1 ) THE TERM " BUREAU '' means the bureau of Consumer Financial Protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I observed information on my credit report that was falsely put there by a company called LVDN funding which has falsely alleged that I owe them over {$1000.00} Dollars. This is not my debt and the information on my credit report is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting my account twice on my Equifax report. They have different balances and payment information. I have only ever had one account with this company. I submitted a dispute with Equifax but the company is saying that the information is correct. I sent a message to XXXX XXXX and nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX  refuse to update my credit file by removing an inaccurate listing reported by XXXX XXXX XXXX. I requested an investigation from Experian, XXXX, and XXXX  to have them remove the account due to inaccuracy. All three agencies ( XXXX, Experian, and XXXX ) stated that they verified the information being reported as " accurate '' and no changes were made to my reports. 

XXXX XXXX XXXX which is the account administrator for XXXX XXXX XXXX informed me via USPS mail that, " NO ACCOUNT EXISTS IN OUR SYSTEM OF RECORD FOR XXXX XXXX. '' Therefore, this collection account is VOID and needs to be REMOVED IMMEDIATELY from my XXXX, Experian, and XXXX credit files. 

Attachments have been added to this complaint to substantiate my claim : 1 ) A screenshot from my credit report showing the account as XXXX XXXX XXXX with the XXXX XXXX XXXX address 2 ) A screenshot from the XXXX website showing XXXX XXXX XXXX as their account administrator 3 ) A copy of the letter I mailed to XXXX / XXXX XXXX XXXX to settle the debt 4 ) A copy of the letter I received from XXXX  on behalf of XXXX XXXX XXXX stating that an account for XXXX XXXX DOES NOT EXIST.
Product: Credit reporting, credit repair services, or other personal consumer reports

our company is in clear violation of the law. Under 15 USC 1681 permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

IVE NEVER GIVEN YOU ANY WRITTEN INSTRUCTION TO FURNISH THIS ON MY CREDIT REPORT. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS : Except as provided in paragraph ( 3 ), the term consumer report does not include - Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report :
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items :
Product: Checking or savings account

In early XXXX, I removed all the funds from my Ally check and saving accounts because of the continued customer service issues and locked the debit card attached to the checking account. I had made the decision to close the accounts once I had all my end-of-year ( 2023 ) bank statements. 

In XXXX I was told I had an overdraft. Upon checking the account, it showed I had an overdraft of {$10.00}. The card had been used and overdraft protection had been placed on the account without my knowledge or permission. 

I have contacted the bank more than 75 separate times and asked to submit a fraud complaint and was continuously denied. They also refused to close the accounts. 

I even contacted the following individuals via email on numerous occasions with no response. 

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 I also sent emails to Ally Bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Consumer and Commercial Banking President XXXX XXXX, and communications director XXXX XXXX. 

No one ever responded. 

And no one responded to the 20 emails sent through Ally 's secure messaging system.
Product: Credit card

Two checks I sent were cashed but not posted to the account. I do not know what they did with the money. I filed a complaint with the Office of Consumer Protection of XXXX County, Maryland ( XXXX ). They have all the information. and sent 2 letters to Chase but got no response - I had also sent two letters but no response except for more statements.
Product: Credit reporting or other personal consumer reports

The debt collector in question has been involved in prohibited practices outlined by the FDCPA, which include abusive, deceptive, and unfair actions. They provided information about an account that I never agreed upon or signed any agreement for. A legal contract requires the participation of both parties, but I was not involved whatsoever. 
Furthermore, they failed to adhere to the proper five-step validation procedure, which constitutes unfair practices. As stated by the FDCPA, I am entitled to compensation of {$1000.00} per violation, and it is evident that my rights have been violated by their actions
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered all XXXX and Equifax were reporting I filed bankruptcy in 2015 after applying for a car loan. I spoke with XXXX, and the agent check my address and driver license did not match and removed the incorrect information. However Equifax did not remove or properly investigated the issue. Equifax would have discover the information was incorrect.
Product: Credit reporting or other personal consumer reports

I have contacted the company plenty of times, and they said if I continue to reach out, the removal time will be reset. I have written XXXX on the removal of the XXXX XXXX XXXX with account # XXXX open on XX/XX/year> to be removed from the credit report, requesting an investigation in this matter and deleting or correcting the disputed information as soon as possible. 
9-506. EFFECT OF ERRORS OR OMISSIONS 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL : GENERAL. 

You must provide me with copies of the legal notices of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of this notification, the alleged claim can be considered a violation of FDCPA.
Product: Mortgage

Nationstar d/b/a Mr. Cooper bought my mortgage XXXX Within the first month, citing a negative XXXXXXXX XXXX XXXX XXXXXXXX XXXX  ( - {$9.00} ), Based on a new escrow analysis performed by Nationstar ( the XXXX XXXX originated in XX/XX/XXXX ), I will have a negative balance of XXXXXXXX XXXX XXXX XXXX ( - {$9.00} ). As a result, Nationstar changed my mortgage payment to increase it by approximatley XXXX XXXX XXXX XXXX  ( {$200.00} ) per month citing the projected {$9.00} cent anticipated shortage. As of XX/XX/XXXX, it projects I will have a {$2400.00} dollar surplus in its " required minimum balance '' which no one can explain why the number is {$2400.00} when a typical escrow is no greater than {$600.00} dollars per month. 

While i understand they don't want an end of year shortage, the escrow advance of {$2400.00} calculated by approximately {$200.00} a month seems predatory and completely arbitrary since no taxes or insurance has changed. The only thing that has changed is the company who bought my mortgage. The company represented that it would not be investing the {$2400.00} surplus and this would be refunded at the end of the year. However, I don't wish to give them a {$200.00} dollar a month extra payment as an interest free loan as a single income household when I need that money to pay other bills. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had a few late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these payments be updated to on time as they should be, as I was NEVER Late. Thanks for your prompt time. 

Signed : XXXX XXXX
Product: Checking or savings account

I received a letter from Bank Of American on XXXX XX/XX/XXXX, XXXX and the letter was about after they reviewed my account relationship, they closed my account, as well as my corporate business card relationship any other associate account because my risk profile no longer aligns with the banks risk tolerance. 
I was so shocked when I received the letter. I called the XXXX XXXX BOA branch and spoke to XXXX the branch manager. I emailed him the letter from the bank. XXXX called me back the next day and said sorry he couldn't find out any reason why because the back office won't tell him. All they give him the same answer in the letter. I asked him what is it mean my risk profile. He said he couldn't give me the exact answer and he suggested I should call prevention center. 
I was so frustrated with the answer, so I called the BOA Prevention Center office and waited for 2 hrs to be able to talk to someone, and they transferred me to all the different departments that have the authority to answer my question. All I got was the same sorry, the bank had already made a decision, and that's all I can tell you. I can give you and answer you any further information that is stated in the account. I asked them what my reward they said when they closed my account, my reward money is gone too. 
I always have been A good customer with BOA since XX/XX/XXXX. I never had any overdraft or violation conscious in my bank account. For credit cards, I always pay on time and never have late fees. Even though they closed my bank ; I had to open a different bank to make payment for BOA credit card debt but BOA didn't pay me back my reward credit. Why? Can BOA give a reason why they took my reward money. As you can see I am responsible for what I own in the bank. Did BOA responsible with customers as they promised when they offer me to use the BOA reward visa. 
I never received any breach of bank regulations or any lousy relationship with BOA bank. I could not think of why BOA bank closed my account. After so many phones, call to reach out for an answer and help. All the answers I could get is the same in the letter. I see that BOA.bank wants to close my account because they discriminate against my small business and family accounts. Therefore, I am afraid I have to disagree with BOA bank closing my account for discrimination in any aspect of a credit transaction based on specific characteristics. 

I need XXXX XXXX to review again and reopen my business, my credit line and my family account.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until Dec 2022 700 XXXX XXXX  XXXX XXXX XX/XX/XXXX On record until Dec 2022 700 XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1800.00} Status Account charged off. {$2000.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$390.00} XXXX XXXX account. {$39.00} XXXX XXXX  XXXX negative Date opened XX/XX/XXXX Balance - Status Paid, Closed