23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

SOMEONE HAS OBTAIN CREDIT UNDER MY NAME AND SOCIAL COMPANY NAME IS ACIMA CREDIT ACIMA CREDIT WAS OPEN IN MY NAME ON XXXX I/A/O {$10000.00} ACCOUNT # XXXX ACCOUNT TYPE-LEASE MONTHLY XXXX {$900.00} BALANCE XXXX TERM IS 12 MONTHS PHONE : XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to the Experian and XXXX Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX  XXXX XXXX Balance : XXXX.
Product: Checking or savings account

3 Saturdays ago, I attempted to cash a check from the state of Texas. Previously, I direct deposited several of the same checks from the same entity. When depsitied, I was told by the ATM I would have the funds by Tuesday. I never got access. Still don't. 

I was told after several calls that week that week there was an issue with the check. XXXX made no effort to contact me. When I asked about it, they told me the call moved the process of sending the check to me forward and to wait ten business days. 

Its been a month. Where is my money?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Normal, Illinois, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Verification of Debt - ADVANTAGE AUTO SALES ACCOUNT # XXXX Dear XXXX, I am writing to formally request verification of a debt reported on my credit report. The account in question relates to an auto loan opened up with Advantage Auto Sales in XX/XX/XXXX Account # XXXX Upon reviewing my records, I believe that this debt is beyond the statute of limitations for collection in Illinois XXXX According to the Fair Debt Collection Practices Act ( FDCPA ) and the laws of Illinois, creditors are legally barred from pursuing legal action on debts that have surpassed the statute of limitations. 
Please provide me with : Documentation verifying the debt, including the original creditor 's name and the date of the last payment. 
XXXX. Confirmation that this debt is within the statute of limitations. 
If you are unable to provide this information, I request that you remove this account from my credit report, as it is potentially damaging to my creditworthiness. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Debt collection

Debt collection agency calling distant family associate/friend ( dentist 's wife ) with no association to persons of interest. Debt collection agency has not contacted persons of interest via phone and contacted this person unsolicited. This is not acceptable and should not be happening as the debt collector should be dealing with the persons of interest directly. Persons of interest is worried that CBE Group is contacting all people near to them and is contacting in a harassing nature. Debt does not appear on credit report. XXXX $ showed as debts on credit report so can not find the possible debts owed to CBE Group.
Product: Debt collection

Western Mercantile located in XXXX XXXX, Oregon XX/XX/2021. The phone representative told me I have 3 unpaid accounts with XXXX XXXX Hospital. I said ok how much? She told me I owed {$1000.00}. So I gave her my debit card information and paid in full. Which the funds were immediately taken from my checking account. I asked for a receipt and detailed invoice including account numbers and a receipt for funds paid. She refused. I then asked to speak to her manager. I got the owner instead. The owner stated to me she couldn't send me a receipt because the funds need to process. Huh? It was directly taken out of my account while on the phone. I asked for a receipt on letter head. If she can just type that out and mail it to me. She refused. She told me that it was against their company policy to mail receipt and invoices. I am going to dispute payment with my bank. This business is a scam. They didn't even offer me a dispute resolution. Just took my money and refused to give me a receipt. After I told her she was practicing her collection business illegally. She said you can send me a self addressed stamped envelope. She would get it to me if she had the information. Which wouldn't be available till 10 business days. I told her you stole my money on false pretenses. Asking for a detailed receipt of payment on 3 separate accounts is not unreasonable. She refused yelled at me and hung up. This business needs to be shut down. I was litterly robbed. Just robbed and treated like junk. All I did was ask for a detailed invoice and receipt of money paid.
Product: Checking or savings account

I have tried to open an online savings account with VIO Bank twice and been denied. 
The bank refuses to give a reason, though I was told on the first application it was a Consumer Credit Agency report problem and asked for additional information ( facsimile of Driver 's license ( which was provided ) ). The bank refused to provide a letter stating the reason for the denial. 

On XX/XX/19 I filed a new application, which was again denied online. A call to the bank resulted in the customer care representative telling me that he could not disclose any reason for the denial. I told him I would request the reason for the denial in writing. After consulting with his supervisor, the VIO Bank rep reported " that is only for brick and mortar institutions, we are strictly an online bank ''. When I asked if any Consumer Reporting Agency was used to deny my application, the rep refused to answer. 

It is obvious that SOME Consumer Reporting Agency was used because the personal identification questions that the bank used were directly from my credit history and that information was provided during my initial application by a previous representative.
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 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 A d ) ' ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For these violations
Product: Mortgage

Wells Fargo if you make a partial payment applies it to principle, not the balance due for that month. I 'm not talking about an underpayment that is n't fully made by the due date. 

Also on their website you ca n't pay the balance after partial payment due that month, you have to pay the entire month. This is crazy if I owe {$2000.00} on my mortgage by XXXX XXXX, and I want to pay {$1000.00} on XXXX XXXX and {$1000.00} on XXXX XXXX I should be able to do it and that fufill 's my monthly amount due.
Product: Debt collection

Creditor Information SANTANDER XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XX/XX/year> Current Payment Status Charge-off Remarks Profit and loss write-off Profit and loss write-off XXXX XXXX, XXXX  Company did not provide documentation according to the IRC 61 ( a ) ( 12 ), cancellation of debt is considered income. Therefore, when a bank writes off or forgives a debt it is required to issue a 1099-MISC to the individual who formerly was liable for the debt
Product: Credit card or prepaid card

I purchased a Visa Vanilla gift card on XX/XX/XXXX for XXXX at a XXXX. I spent XXXX on the card and threw the original receipt away. On XX/XX/2022 I lost the card. I called the gift card and they told me I had a balance of XXXX. I immediately reported the card missing. On XX/XX/XXXX they told they would send me a replacement card. They told me to call back on XX/XX/XXXX. On XX/XX/XXXX I called back and they told me I had to verify the card.I tried to verify it on my phone and it would not work. I was on the phone for a whole hour and the manager told me I wouldnt get a replacement card without the original receipt. I went back to XXXX and got a copy of the receipt which I have enclosed. I tried calling vanilla gift card back and spoke to a representative and asked for a manager and was put on hold twice for at least an hour. I am not getting any satisfaction from this company.
Product: Mortgage

My mortgage loan was purchased by LoanCare XXXX two months ago. Since I have received poor customer service from this company, and now my monthly mortgage rate just went up by $ XXXX/month. I called and the customer service representative could not even start to explain or understand why my monthly payment went up by {$55.00}. I was much happier with XXXX Bank before they sold my loan. Everything I have read online about LoanCare says they are not a good company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called EXPERIAN on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by XXXX XXXX XXXX XXXX The alleged creditor XXXX XXXX XXXX is a third- party collector which  is a violation of 18 U.S.C. 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EXPERIAN permission to take my information. 

EXPERIAN have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with XXXX XXXX XXXX. EXPERIAN has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EXPERIAN claims on my credit file. 

Furthermore EXPERIAN has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EXPERIAN is in violation because I was not given any type of these reports in this investigation.

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

This account is a certificate of indebtedness ; it is now considered income and income can not be reported on any credit report. XXXX XXXX, account number XXXX, has violated several of my rights as a consumer. Furthermore, the sale or sharing of my personal information to a third party collection agency without my explicit consent constitutes several violations of both the Privacy Act of 1974 ( 5 U.S.C. 552a ) ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

This also violates the Gramm-Leach Bliley Act ( 15 U.S.C. 6801 ). Under the Privacy Act, federal agencies are prohibited from disclosing personal information without the individuals consent, except under certain circumstances, and under the Gramm-Leach Bliley Act, financial institutions are required to protect the privacy of consumers nonpublic personal information and limit disclosures to third parties without consent. 
Given that I did not authorize this disclosure or sale of this account, I am formally requesting immediate action to investigate this violation, cease further sharing of my information and to remove all unauthorized reporting related to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act US DEPT ED Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions For several years this company has not worked on this issue and now they are saying they are working on it? I got a notice of 60 days! This company breaks the law and they get 60 days to keep doing this?
Product: Mortgage

I am complaining in general about calls from XXXX companies. In this case Loan depot. I got an email that I can get XXXX percent refinance rate. The loan officer kept insisting on running my credit and said that I will have good rates if my credit is excellent. After doing all that he says I have to pay XXXX points to get XXXX percent. He could have told me before and not wasted my time. I had told him that my credit is excellent still he would not give me any numbers. My complaint is that he unnecessary ran my credit and wasted my time.
Product: Credit reporting or other personal consumer reports

Last year I discovered a false account with XXXX, XXXX and XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX, XXXX and XXXX XXXX was only removed from my XXXX reports but not from Equifax or TransUnion. I not sure if they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX, XXXX and XXXX XXXX refuses to stop reporting. 
Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Credit card or prepaid card

account number XXXX XXXX XXXX XXXX FTC report number : XXXX I have taken the decency to report there Fraud perpetuated against me to the federal trade commission. above this sentence I have provided the report number for further clarification. 
the account number listed above is a open end consumer credit account. They have restricted me, The natural person and federally protected consumer, my right to my own credit. I came to the table with the credit. I am the person extending the credit in the transaction so it really makes no sense what so ever to me how the 2nd or 3rd party, could have a say so in what I do and how I sue my own right, which in this case is credit. 
this is out right discrimination. I came to the transaction with the intention of extending my credit to this corporation or financial institution, and they instead have taken my credit application and monetized the credit application and in turn retuned to me a monthly payment and a credit limit. 
again they have restricted my access to my own credit, my own right! pursuant to 15 USC 1602g, clearly states who the original creditor is. yes it is indeed true that after my application for credit, the financial institution does indeed become a creditor, but they do not become the original creditor. Any forms fabricated from this fictitious corporation indicating other wise is a violation of 15 USC 1611- Criminal liability for willful and knowing violation, which has criminal penalties before the civil penalties are paid also pursuant to 15 USC 1640 - civil liabilities indicates that any damages I received because of this fraud shall either be XXXX per violation or it will be any amount indicated by me on said invoice. 
I am the original creditor, the natural person, federally protected consumer is the only person that can extend credit and create debt. 
the fact that XXXX XXXX is legitimately
Product: Debt collection

I have had the company already file for a garnishment in XX/XX/2023. Taking {$920.00} that was 80 % of my wages leaving the remaining balance of {$1000.00} starting balance was XXXX after the interest the beginning balance from the property is XXXX we the company and the owner fixed the percentages they stopped collecting the money via garnishment now there is a new court files same company different resident address different complex to file a new garnishment now the new garnishment is for {$2100.00} they told me that there will be an 18.4 % interest every day witch is not right I have called for three years to clear this balance and the employees are the XXXX rude people I ever had to deal with the man told me I was pathetic and needed to look in the mirror he was going to take all my money they keep adding money to the collection t
Product: Checking or savings account

My claim number XXXX wasnt solve my card was stolen and they withdrew XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a letter from XXXX Bank that a XXXX credit product was denied because they were unable to verify personal guarantor 's identity. 

This request was submitted fraudulently. I proceeded to check my credit reports and found XXXX unauthorized fraudulent inquiries made by XXXX XXXX XXXX XXXX on XX/XX/2022 listed on both my Experian and XXXX XXXX Reports credit reports. 

I have notified XXXX XXXX XXXX XXXX and the case # is XXXX. 
I have submitted Fraud Alerts to both Experian and XXXX.
Product: Student loan

Here are the facts : I have been a full time public XXXX  XXXX  in California for XXXX  years without any gaps in my full time employment as a XXXX. 

I am a XXXX  for the XXXX XXXX XXXX XXXX. I was hired on XX/XX/2002. XXXX XXXX XXXX XXXX is part of XXXX XXXX  XXXX XXXX. The XXXX number is XXXX. 

I have been paying on my student loans for over XXXX  years. 

I have paid over {$40000.00} toward my student loans, which is more than I borrowed. 

I have applied for the XXXX XXXX times. Fedloan Service always finds a reason to deny me loan forgiveness. 

My account was NEVER delinquent. 

Originally, I did not qualify for XXXX because my payments were not the right amount. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

I applied for XXXX. Twice I was told by Fedloan Servicing representatives that I would absolutely qualify for XXXX before submitting my applications. 

Just as I was eligible for XXXX, Fedloan Servicing changed the eligibility requirements from XXXX to XXXX qualifying payments. 

I recently consolidated my student loans, because according to the FSA website, that is what I needed to do in order to qualify for the XXXX waiver. Now I am told that I have XXXX out of XXXX payments to go. 

My health suffers every time I go through this process and get denied. It is extremely stressful and causes major anxiety. This feels like a big XXXX fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  DEBT COLLECTOR DID NOT PROVIDE HIPAA RELEASE to be able to collect on this debt. I will proceed with legal action seeking monetary damages for the consumer rights violated if this is not removed from my consumer report within 30 days. You as a consumer reporting agency are civilly liable for reporting this unauthorized information. Please do your job and remove all negative medical accounts on these consumer reports. 
All accounts attached to XXXX XXXX 

I would also like to receive a copy of how you all validated the listed debts here. I reached out to the companies myself and they did not fully validate each debt PURSUANT TO 15 USC 1692g ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ). IF THE COMPANIES DID NOT SUPPLY YOU WITH THIS COMPLETE INFORMATION, THEN IT NEEDS TO BE REMOVED BY LAW. 

Accounts ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Vehicle loan or lease

At the end of XXXX I called Global Lending Services requesting a forbearance on my XXXX car payment due to the pandemic. I was told to call back three days before my payment was due. I called back three days before my payment was due and was then told to all back once my payment was past due. I called the day after my payment was due and was told I had to call back when my grace period of 10 days ended. I called on XX/XX//20 ( 10 days grace period included ) and I was told my payment was late and that I could not move my XXXX payment to the back of the loan. I was told the only way they would do it was if I made a payment for XXXX then MAYBE they could move XXXX. This company is refusing to help people despite the current pandemic! Theyre taking advantage of the situation and lying to their customers in a time of need.
Product: Credit reporting or other personal consumer reports

The inaccurate information above was never verified to be in line with official reporting standards. The information above was never confirmed to be accurate, complete, timely, or valid. You must provide proof of compliance with reporting standards and applicable consumer laws. The information above is insufficient. I demand that inaccurate, incomplete, and unverified information be removed immediately! 
Also, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 

attach you will see documents
Product: Credit reporting, credit repair services, or other personal consumer reports

My information on my credit report is not accurate. I need to update my information on my credit report so only my correct information is being reported on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Credit Reporting Agency, un like the other 2 is misrepresenting my credit profile with information that goes against the language that's governed by the FCRA, language inwhich assures an consumer that if the account is not verified with hard copies of such verification then the account shall be removed. Not only has it be 30 days its be more like 120 days but yet Transunion is still reporting false information inwhich I'm demanding be deleted from my current credit report.
Product: Vehicle loan or lease

On Monday, XX/XX/2023, I applied for a loan with Porsche XXXX, XXXX XXXX. Trustee XXXX XXXX, accepted my credit agreement. On Tuesday, XX/XX/XXXX, I received a email stating the bank turned me down after accepting my credit agreement. I asked to speak to the underwriter and he failed to provide me with the contact information. On Wednesday XX/XX/XXXX, I spoke to the Finance Manager XXXX  XXXX and explained they violated to contract and also violated my right to contract. ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction- 12 CFR Part 1003, Supp. I, 1003.4, cmt. 4 ( a ) ( 8 ) -4 ( financial institutions report Code 3, Application denied, [ i ] f an institution issues a loan approval subject to the applicants meeting underwriting conditions ( other than customary loan commitment or loan-closing conditions, such as a clear-title requirement or an acceptable property survey ) and the applicant does not meet them ).