23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ERC Corporation, is in violation of 15 U.S.C 1692-1692p. On 2019 XX/XX/XXXX, I XXXX XXXX do swear that I received a phone call at work from a Representative of ERC Corporation, in violation of 15 U.S.C 1692c ( a ) ( 3 ). The person i spoke with was both abusive and oppressive with me, in violation on 15 U.S.C 1692d. The individual calling did not want to provide information to me that would help me to understand the propose of his call. 
I was unable to talk at the time of the initial call, so i called back and spoke with a young man by the name of XXXX. I verified with him my name, and the number in which i was calling from. upon locating a reference number, XXXX was able to provide the for reference number without me providing him with additional personal information. XXXX apologize for the way i was treated and would investigate the matter further.
Product: Credit card or prepaid card

I received a charge with {$80.00} purchase from XXXX thats reflected in my Capital One Account from Ohio. 
I live in Florida and I have never visited Ohio. 

I called Capital One, they state that the chip was used and theres no way they will pay those {$80.00} because it was made from my credit card. 

This is super unfair and I just- I have not purchased anything from XXXX and not even in Ohio
Product: Credit reporting, credit repair services, or other personal consumer reports

Repeated attempts prove fruitless items still reflect incorrectly even though I was advised by lender they were corrected. I was not allowed y them  XXXX  character rebuttal nor dispute options! This continues to impact my credit severely.
Product: Credit card or prepaid card

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
TRANSUNION and the account name is XXXX XXXX balance {$340.00} account # XXXX 30 days in XX/XX/2021, and 60 days in XXXX 2021.
Product: Checking or savings account

I opened a Checking and Savings account on XX/XX/19 for {$400.00} bonus + {$100.00} bonus for 2 direct deposit. I opened on the phone with the consumer representative. After the account was successful open, I deposit the funds required immediately on the phone with the rep. CitiBank purposely delayed my funding and claims, I did not meet the requirement. I didn't wait at all and gave the representative all the information and funds required for CitiBank to process the funding. I left the funds in there for the required amount of days but CitiBank refuse to pay out the bonus while I am earning almost 0 % APR if I were to leave the required money at other banks. I chatted with Citibank and was hoping to get the issues resolved but they did not honor their part of the promotion. Here is the terms and conditions of the promotion. 

Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of  opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. Both checking & savings accounts need a non XXXX  balance. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days
Product: Credit card or prepaid card

I apply for a barclay financing Visa card I was told to call and finished processing my application so I call and they sent a pass code to my phone to verify my identity so I was approved when I received the card I try to activate it and was not able to activate the card and they told me I have to do another verification to send in documents
Product: Credit reporting or other personal consumer reports

I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate FOLLOWING ACCOUNTS ARE NOT MINE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA 805/806/809. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act 15 USC 1681 Sec. 602 a states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. XXXX, XXXX, Experian are all consumer reporting agencies, and I am the Consumer. I do have the right to make sure my private information Is not shared which is backed by 15 USC 6801 that states. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers, and to protect the security, and the confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution under 15 USC 1681 Sec. 604 section 2 states that In general Subject to subsection ( C ). Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, Experian, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. All consent to XXXX, XXXX, and Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ).

It states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission, which is against the law. 15 USC subsection 1681s2 ( A ) ( 1 ) A states 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. 15 USC subsection 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 
XXXX, XXXX, and Experian do not maintain reasonable procedures. 12 CFR subsection 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Debt collection

Was called by CBE Group. XX/XX/XXXX about XXXX. They are trying to contact the former owner of this phone number, which I have had continuously since XXXX. I have told these companies to STOP calling this number for that other person. I have absolutely no connection or relationship with that other person other than this phone number. We need laws passed to make it illegal for debt collectors to bother new owners of phone numbers formerly owned by the person who had it sometime in the past. 

XXXX XXXX 's comment about insanity applies here - repeatedly doing the same thing without success, hoping for a different result. The citizenry should be protected from this insanity.
Product: Mortgage

My original loan through XXXX XXXX- I can't gain online access to understand what the payoff information is and when I'm calling I'm transferred to a different phone number for collections. That company 's name is DOVENMUEHLE. Every time I'm transferred I wait on the phone for over an hour and a half. I asked over 10 days ago for my payoff amount because I want to pay off the mortgage and fall and pay off any annuities or legal fees prior to it going into foreclosure. In XXXX and XXXX there were presidential master of natural disasters for a flood and a hurricane in the area and then in XXXX in XXXX there was Covid. I have also asked for a loan modification or just assistance to avoid foreclosure and there's no phone number that you can call you have to call the XXXX XXXX number be transferred over wait an hour and a half and then they give you an email address to send your request into there's no accountability here and nobody returns the phone calls and nobody returns the email and they just argue with you when you're on the phone. You feel helpless how am I supposed to pay this in fall I have been trying for weeks now and I can't even get the payoff information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have a folowing situation - I just XXXX XXXX to USA and I don't have any credit history, good or bad. 

I went to XXXX XXXX XXXXXXXX in XXXX with intention to apply for my first credit card. 
I didn't receive my credit card or answer so I went back to another office of XXXX XXXX XXXX in XXXX, to find out what happened. Teller told me that I wasnt approved for credit card, but XXXX kind of preapproved for prepaid credit card. So I agreed on trying to open that type of card. 

Right now I first time registered on XXXX XXXX and I start to learn how credit history work. 

I notice that I have 5 hard inquiry from XXXX XXXX XXXX ... But I requested only 1 credit card and I got 5 hard inquiry. 

Is there a way to fix that mistake? I think it is not fair to begin build a credit history with 5 hard inquiry when I just asked for 1 credit card to start building my history. 
I actually don't know what was 5 hard inquiry about if I haven't any history of credit in a past. 
But still they gave me a card. Why it wasn't possible from 1 inquiry to know that I don't have any credit history, why there was 5 request to approve me for 1 card  anyways?!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX- XXXX XXXX , XXXX  XXXX XXXX, XXXX XXXX and XXXX  XXXX XXXX XXXX  violated my 609 rights by reporting incorrect information to XXXX  regarding my credit file. XXXX  further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX  -XXXX XXXX XXXX XXXX XXXX, XXXX XXXX reported that I applied for credit In which I never applied for. They violated my rights to have fair and accurate Information to my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my address, phone numbers, and names corrected on my report is violation on my consumer protection rights.
Product: Checking or savings account

On XXXX XXXX I checked my mobile bank after I purchased gas from XXXX  in the amount of XXXX and some change, that when I noticed I had an negative XXXX balance on my account which should have not been so i called Bank of America to inquire about the transaction and why was I had a negative balance. I was then informed that the company XXXX had charged my Debit Card ending in XXXX in the amount of XXXX without my authorization. I was told to dispute the charge because it was done without my authorization. I have been dealing with this for the last 3 days and was told my money would be put back on my card, and I still do not have my money back in my account. I have been issued an new card so the company XXXX will not be able to use my card without my authorization again. I don't understand how they used it in the first place without my authorization and I did not have the money in my account to cover the charge, now Bank of America has switched the charge that was made to XXXX XXXX XXXX XXXX XXXX to not having the funds in my acct to a negative XXXX and applied a XXXX overdraft fee leaving a XXXX INS on my acct. I am very upset that a bank could do such a thing to person I thought they were to protect our money and not give it away.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXXXXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX U S DEPT OF ED/XXXX  XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF ED/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXXXXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I am filing 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 Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Vehicle loan or lease

I have had a car title loan with mariner finance for several years. I have noticed that for a least the last 10 payments that I have made to this company doesn't reflect in my payment history. I am absolutely sure that there are some bad apples running this company. I haven't been the best of paying my bill on some occasion because of sickness but when i have paid it doesn't show on my account. Iam at the point i am not going to make another payment until someone explains to me what is going on with my account. The vehicle in question is no longer running anyway an to have to make payments that are not trying to help me get through with this loan, someone needs to contact me an explain wats going on or else we will end up in court.
Product: Mortgage

With all payments current at the time ( XXXX our current mortgage company XXXX XXXX XXXX took {$49000.00} in mortgage payments and decided to move it to other and as of that point we were indtsntly 3 yrs behind on our mortgage then they flipped our mortgage to Nation star who as we all know at that time was a collection agency under XXXX XXXX XXXX since XXXX in court papers we were being foreclose on by XXXX XXXX n Nation star all our dealings with the foreclosure were always directed to Nation star who refuse to deal with us in any manner saying I was not XXXX of the owners and to this day I never had an act with Nation star so how did the manage to get a deed in XXXX ( XXXX ) without ever having a note transfered by law the last recorded legal deed was by my original loaner XXXX witch Nation star kindly sent me a copy of in my foreclosure packet I want my home back no refinance the broke every law in the book and should be punished according shut them down from ever doing this to any more Americans
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of XXXX bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Money transfer, virtual currency, or money service

I received a small settlement from a class action lawsuit to my Venmo account. This venmo account has been active for several years and I have already verified my identity. Recently, my purchases began being declined even though I have plenty of funds available to cover the purchases. I contacted Venmo support this morning to inquire why. XXXX first tells me that there is no issue with my account and that my account is in good standing. So I ask him why can I not make purchases then? He tells me he does not know. He suggests I wait a few days and try again because he can not disuss my case. WHAT CASE? When I begin getting frustrated because he keeps dancin around the subject and will not just give me a direct answer of what the issue is he then tells me I have to upload a copy of my bank and ID, I do not see why I need to do that but ok I do it. Then he said I have to wait XXXX 5 days for the info to be verifified. 

EVERYTHING HAS ALREADY BEEN VERIFIED. I would like to eat today as I am actually hungry now not XXXX to 5 days from now, if im lucky. I have to pay to park, my vehicle will surley be impounded by the end of the day and XXXX days from now I will owe over {$1000.00} in tow fees. 

How is this legal or acceptable for Venmo to do and still not explain why or what if any issue is. I do not make sketchy purchases. I bought a couch, sent my son {$100.00} and purchased some XXXX. I have more than enough to cover those purchases and then some so why are they allowed to do this. This is not ok. 

I waited a long time to finally receive this settlement money. I had the option of chosing to receive it by venmo or check in the mail or virtual debit card and I foolishly believed Venmo would be the safest choice. Had I had any idea that Venmo would pull this I would have planned better and not spent my paycheck on other things believing I have more than enought to cover my expenses. 

NOW this ridiculous bs is basically going to ruin my life and the only answer I get is nothing no explanation at all. I can not even believe this is happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I, XXXX XXXX recently pull my Credit Profile and notice an extreme lates that were reporting on my credit report. The below LATE PAYMENTS that are being reported within my credit report is inaccurate account information. I have never been late with my payments of the account. It is not clear to me how these late payments could have become merged within my credit file. Perhaps it was the result of a mixed file incident on behalf of you, the credit reporting agency or the original creditor. Whichever it is, the fact remains these late payments are incorrect payments history information. This student loan has been in forbearance and shall not be reporting late to my credit profile PERIOD. This account is reporting late as of XX/XX/2019 and has affected my credit report tremendously which is a BIG VIOLATION OF THE FCRA 623 ( a ) 2 PLEASE UPDATE AND REMOVE IMMEDIATELY!!!!!! 

Account Name : XXXX Account XXXX : XXXX According to the FCRA
Product: Mortgage

In XXXX of XXXX  I called Flagstar Bank questioning why my mortgage was increased by {$800.00} when I just paid them {$16000.00} to get out of foreclosure. Flagstar agreed that it was incorrect and gave me a confirmation number for a re-evaluation to my escrow. This conversation is on a recorded line. They said I should receive information within 5 to 7 days of the evaluation and the account would be updated as well. I have not received information on this matter nor has my account been updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX - account # XXXX ), ( XXXX XXXX XXXX - account # XXXX ), ( XXXX XXXX XXXX  Account # XXXX ) have violated my rights. 

15 U.S.C.1681 SECTION 602 A. States I have the right to privacy 15 U..S.C. 1861 SECTION 604 A SECTION 2. It also sates a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

Hello, I have right of survivorship with my x-husband, XXXX XXXX, XXXX on a property located at XXXX XXXX XXXX, XXXX, VA XXXX for which he has a mortgage loan # XXXX through XXXXMovement Mortgage that is only in his name. 

On XX/XX/XXXX of this year, XXXX passed away and then the estate attorney discontinued payment of the mortgage, indicating my right of survivorship made me responsible ; however, I had NO information at that time about the loan. 

I eventually was able to get family members to provide some info and I began contacting XXXX and Movement via phone and email. 

The customer service people had me send proof of XXXX ' passing so that I could begin the process to become Successor in Interst, so that I could bring the late payments to current and continue paying the loan. 

After I sent the obituary and answered all questions- Movement mortgage still will not communicate with me or allow me to pay the loan up. 

I fear the loan will go into foreclosure while I'm trying to get them to allow me to make payments. Is there anything that can be done? 

I use XXXX and I am not able to figure out how to " save '' my emails so I can attach them for your reference, but the email is XXXX and the last person I spoke to yesterday was XXXX @ XXXX XXXX XXXX. 

XXXX XXXX XXXX
Product: Debt collection

I received a letter from a collection agency stating I owed a XXXX debt I called the company asking what it was for I was told for property damages. The company didn't take me to court it was no damages done. They trying to charge me for them painting and putting hardwood floor down. I'm waiting for the debt collector to send me the document I asked for
Product: Credit reporting or other personal consumer reports

I am contacting you as a victim of a data breach in which my personal information was compromised. As a result, fraudulent accounts have appeared on my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the blocking and deletion of these unauthorized accounts. 
Fraudulent Accounts 1. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$52.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information reporting on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  Account # : XXXX, Account name : XXXX XXXX XXXX has violated my rights.

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

15 U. S. C. 1681 section A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.