23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am a victim XXXX XXXXXXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Consumer Loan

On XXXX XXXX, XXXX I cosigned on a auto loan ( XXXX XXXX XXXX ) for my mom on a vehicle from XXXX XXXX XXXX of XXXX, NC. Upon purchasing the vehicle we notice some work needed to be done to the vehicle. We returned the vehicle to the dealership on XXXX XXXX, XXXX and they gave us a rental. On XXXX XXXX, XXXX, we had to return the rental to XXXX and pick up our vehicle from dealership. On XXXX XXXX, XXXX, a finance manager contacted up and said that the deal was not funded and we needed to return the vehicle back to the dealer in the next 5days On XXXX XXXX, XXXX I returned the vehicle back to the dealer but they did take the key to the vehicle. I tried contacting the finance company ( American Credit Acceptance ) to notify them that the vehicle was back at the dealer but the number listed on my contract agreements was saying the number was disconnected. I received a letter from American Credit Acceptance around the first week of XXXX stating my reasons for denial. I tcontacted American Credit Acceptance using the number listed on my letter. I spoke with a Finance Manager who told me that they funded the loan but they were not notified that the vehicle was taken back to the dealer. She said they tried contacting the dealer but could n't get an answer or a call back about the vehicle. She told me to get a police report stating that I returned the vehicle on XXXX XXXX, XXXX to the dealer. I went to the Sheriff Dept. but I was told I did n't need a police report for that issue. The sheriff told me to just document my dates and keep up with them. I reviewed my credit, and that vehicle loan is on my credit with late payments and I did n't even keep the vehicle two weeks.
Product: Debt collection

I have asked LVNV Funding on several occasions to send me the original agreement and any documentation of owing this said debt. I have not received anything from them over the last year or longer. All I get is phone calls demanding payment.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( BLOCK, INC. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to take timely & 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

At this time, I respectfully request a copy of my XXXX, XXXX and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan account service was transferred from XXXX XXXX XXXX to Carrington Mortgage. They are showing there is some late fees that were transferred. I disputed the accuracy but the company refuses to send information to prove the accuracy of fees.

Carrington also is reporting the fees as if they are a late payment. The account is current but they are unwilling to change the way it is reported. I have tried to get them to correct the way they are reporting but they say it is all accurate.
Product: Debt collection

I was a victim of identity theft and noticed a collection from ARS ACCOUNT RESOLUTION I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against ARS ACCOUNT RESOLUTION in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Payday loan, title loan, personal loan, or advance loan

I appreciate your help in this. I am also going to report them to our New Mexico State government. When I applied for this loan in XXXX I was struggling very hard to pay off other debts. Times have been extremely difficult since XXXX. Now I find myself in the middle of a large scam! The interest and monthly payments are so high that I can barely keep up and it wont be paid off until XXXX. The loan was for {$7600.00} and at the end theyll pocket approximately way over {$3000.00}. I am frustrated and angry feeling very taken advantage of.
Product: Student loan

I have XXXX ( now NAVIENT ) student loan " late fees '' unlawfully reported on my credit report. I had a forbearance and still have an extended forbearance. 

The reason I had to take a temporary break from attending classes for the last XXXX classes of my XXXX degree and ask for forbearances is because XXXX XXXX I unknowingly experienced XXXX XXXX in the same week ... 
-my car was " totaled '' from a very minor fender bender -I lost the job I had at the time because I suddenly had no car -my dog who was my Best Friend, sporadically died after being diagnosed with a XXXX caused from XXXX in our rent house of 2.5 years that the owners discreetly knew of. 
XXXX. 
-I had to evacuate the rent house and find a place to temporarily stay while dealing with everything that just happened. 

My credit report currently has XXXX reporting late fees six times! They knew what happened because I called and explained after it happened. I had XXXX simultaneous extenuating circumstances, I want the late fees removed. I 've called to remove it and they wo n't. Because of this, I was denied financing for my replacement car making the only option to pay {$600.00} a month for a XXXX vechicle, denied refinancing on my car, denied getting into an apartment, denied buying a house, and if I try to apply for anything else I 'll have the same problem. I bust my tail at work, plan to finish the remaining XXXX courses of my XXXX degree, and live a joyful, successful life, I need my credit to be in excellent standing for this. 

These intentionally faulty claims on my credit report are n't my fault. I will not allow it to continue to destroy my life because the people at XXXX attempted to punish me by ruining my credit report. 

It 's been difficult enough picking up the pieces and rebuilding my life the best I 'm able over the last two years after multiple losses, the wrongful death of my Best Friend, paying bills, having to save money to buy a replacement vehicle, and having to replace everything from my rent house because it was ruined by XXXX.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties.

15 U.S.C. 6803 ( f ) ), and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure.

Therefore I am opting out and not authorizing it to be used on my report
Product: Mortgage

I am a current client of Citi Mortgage and have been since 2002. In XXXX I decided to refinance the mortgage with Citi ( for a second time ). The process was coordinated through XXXX XXXX at Citi Mortgage. I was initially rejected for reasons that apparently had to do with an apartment I was in the process of selling ( mortgage on that apartment was also with Citi Mortgage ). The apartment sold on XXXX XXXX and we agreed to reactivate the refinancing application at that time. 

The process was extraordinarily cumbersome and slow and I began to suspect that there was some form of prejudice involved. I was constantly requested to provide additional documentation and my employer was hounded continually. My suspicions grew out of the unreasonable requests for information, seemingly from the underwriter, that totally disregarded my 15 year history as a client of Citi Mortgage. Essentially, I was subjected to an almost criminal-like treatment. 

I became concerned about the unreasonable length of this application process, especially considering the XXXX data breach in XXXX of this year. I indicated via email to XXXX XXXX of my concerns, noting that I wanted to place a credit freeze on my accounts and needed to close the refinancing as expeditiously as possible. I did not receive an immediate response and, in fact, had to re-send the message before I finally was assured that closing on the refinancing was imminent. 

It was not until early XXXX that my suspicions appeared more based in reality - I reached out to the originator, XXXX XXXX, and even he admitted via email message dated XXXX XXXX ( that he tried to recall ) that he " was beginning to see and understand my frustrations ''. All email correspondence associated with this mortgage application, has been well archived. 

I finally had enough of this unwarranted treatment and withdrew my application on XXXX XXXX. Subsequently, I received phone calls from XXXX XXXX and XXXX XXXX, apparently apologizing. I told them both that I totally disgusted with how I had been treated and how the application had been so grossly mishandled by Citi. 

Given their negligence and apparent prejudice in handling my application, I demanded a full refund of my application fee and confirmation of the supervisors managing the individuals responsible for botching such an utterly flawed application process. 

I finally received a letter dated XXXX XXXX from XXXX XXXX from the Executive Response Unit ( she provided no contact details beyond the return address on the envelope - XXXX XXXX XXXX, XXXX, MO XXXX ). She confirmed that a refund of the {$350.00} was executed " as a customer service gesture ''. The rest of the contents of the letter were totally " XXXX ''. 

I wish to pursue this grievance against Citi and remain steadfast in my belief that they acted in a prejudicial manner. The reference cited by XXXX XXXX in her letter of XXXX XXXX - # XXXX. 

Please feel free to contact me. Thank you and regards
Product: Credit card or prepaid card

Capitalone credit card cancelout my wife credit card, without telling me i am the husband the main member.Normally anything change i would get text message, i never got text message that it was cancelout.My wife tried paying her pre-paid XXXX account least four times an it was decline.XXXX kept asking about XXXX my wife put in decline change to old decline.So she called Capitalone with my cell phone Wednesday XXXX XXXX XXXX  She got Customer Service explain they XXXX said it was cancelout and they issue New Card.She ask why they said XXXX tried to charge {$16.00}. they sent text message ask if i authorize i said No, Than they Capitalone Cancelout card Fraud.My wife was on Phone for XXXX XXXX, Than icalled Capitalone Wednesday XXXX XXXX PM after my wife try using my credit card, it was declined.Capitalone representive said my wife card was cancelout and who ever help her didnot order one it was cancelout.And this Customer Service i could not understand, she had Slur in her voice plus eating food in back ground. # XXXX She ask for my wife try to pay with my credit card to XXXX while she on phone.Than again it was Declined, Capitalone said it does not show XXXX charged was declined.I ask if my wife card was being replace Please give me her # so she can have make purchase.She said my wife card was Not Order was Not Completed.So she re-order card to be sent to our XXXX XXXX But she was asking me for my Phone number to send Text Message.I gave her my # on file.She insis of my old # But i change # XXXX XXXX of XXXX  old number XXXX to my New # .Because i reported to FTC XXXX account got Hacked XXXX XXXX i kept get dirty text message ect.Capitalone Lady insis i needed my old number to receive her text message to prove iam me.Than she ask for Picture of My Driver License i told her she Must be Fraudulent Because thats what the XXXX Hacker ask when i applied for XXXX XXXX XXXX XXXX i gave Copy my Arizona driver's.Capitalone Lady said she Not fraud she Must be , because she will not except my New number on file address updated over week ago.I cant except text message to old number because i change my phone to New #, so i hung up ... After XXXX XXXX, She Refuse to send my wife New Card, She Refused to except my New cell Phone Number i updated on my Profile with my wife i been married over thirty-one years, i put double photo of us, they refuse for my wife to login when she had her card., Capitalone should quit Hire people that can not speak XXXX Clear.Same with XXXX.Many XXXX  can Speak XXXX but dont know what words mean.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a police report of fraud/identity theft and valid information showing that the XXXX XXXX account and several other accounts that Equifax is reporting is incorrect but they continue to drag their feet and send the same results each time. " Company verified account accurate '', is the response I gotten. I asked for an explanation/documentation but I was told several times its on the way. Guess what? I never received it. I would like these accounts removed immediately because for one it is taken over 6 months for an investigation and I haven't gotten the compliance that I should from Equifax according to the fair credit laws. They are the only bureau reporting this incorrect information at this time.
Product: Checking or savings account

Citibank has started assessing overdraft fees to my account, although I am not enrolled to allow for charges to be made to my card when my balance is low. When I contacted Citibank and asked for them to reverse the fee, they told me that overdraft fees are required as part of the terms and conditions of my account. I never signed on or opted in to any program that would allow for overdraft fees to be assessed to my account. Citibank told me that this is standard to all their accounts, that I can't be removed from the overdraft program, and that they would continue to assess overdraft fees, and I should be more conscientious of my budget. I told them this was illegal per 2010 's Overdraft Protection Law and I was told that I just didn't understand the law and that their fees were typical. 
The fee was eventually reversed, but I was told it was a " one time courtesy '' rather than a correction of a policy that is in violation of the law regarding consumer account overdrafts.
Product: Student loan

I have continuously contacted Navient about our current situation. We are struggling to make payments. We have been putting our bills on credit cards so that we can make the payment to Navient. I called the company and went through the process of telling them all of our debts and payments. They called me a few days ago and told me that my husbands income is n't high enough to get us a lower payment?? WHAT?! You read that right. We do n't make enough money to get us a lower payment. Is there anyway to fight this?
Product: Credit card or prepaid card

I used the Apple Card backed by Goldman Sachs to purchase transportation services from XXXX XXXX. The services werent provided, including the company lying about them being scheduled. Goldman Sachs ruled in the companys favor that my deposit should not be returned. I provided email threads and contact details demonstrating my case. It didnt appear that anyone even read them before ruling.
Product: Credit card

Overview : I am member of Costco and have their Citi Card. 
I am writing about what I feel is a deceptive " Flex Payment Plan '' offered by CitiBank ' s Costco Visa Card which basically guarantees that people will end up paying interest on their non-flex items due to lack of clarify in Citi 's banks billings and on individual members ' account pages on the citi.com site. I contacted Citi about it and was told that they have received many calls from Costco customers due to the lack of clarity and transparency of this program. They did take my complaint.

I tried to call Costco about this as they are the ones who have the relationship with Citi to use their name on the Citi card. I am unable to discover a way to contact Costco about this despite the fact I have been a member since XXXX. 
I am asking that you help Citi Costco Card members get clarity on the amount of payments they need to make monthly to avoid interest payments accruing on their Flex and non-Flex balances due. I am also asking you contact Costco who has a contract with Citi company. I do not believe it fits Costco 's vendor ethics policy to allow Citi to treat their customers in such a deceptive manner. 
Note : I regularly pay my account in full every month, however, I was interested in this no interest " Flex '' manner to spread my high dollar travel item over XXXX months in addition to paying my regular non-flex monthly charges. 

Situation : In @ XXXX of XXXX, Citi started to offer a Flex payment plan for high dollar purchases. 
A choice was given about how long a period a person wished to have to pay their Flex item in full. I chose the 3 month program for payment in full of my high dollar purchase with no interest for the travel item on my XXXX bill of {$6300.00}. However, my XXXX bill did not reflect the Flex Plan amount for the XXXX payment. 
I went to the Citi.com site for my account and it stated I could either pay my account in full of {$7000.00} or a payment of @ {$100.00} which recognized my Flex amount. However, my math said I should pay XXXX of my {$6300.00} ( {$2100.00} ) plus my non-Flex amount of {$680.00} for a total of {$2800.00} to avoid any interest. I called Citi.com and confirmed this with a representative who was very helpful and said he had multiple calls from people confused about what payment to make to avoid interest. I feel that the average person ( I have a XXXX ) would end up paying interest they never intended due to Citibank 's deceptive billing practices.
Product: Credit card or prepaid card

I purchased a TV from best buy under promotion no interest for 2 years. The person selling the TV explained that whatever wasn't paid back would then be charged interest after 2 years not that I would be charged the full interest. It was never on any statement listed as a promotional value so when I went to pay my last {$200.00} payment to pay off the TV and saw {$1200.00} in charges I called best buy who said I owed it and I agreed to those terms although they couldn't give me any documents showing I agreed to that. I went to the store in XXXX, IL where the TV was sold to me and spoke with the manager who agreed even she wouldn't pay what they were asking because that's not how they understood the terms. I complained to many customer service reps over the phone who said they would file a complaint on my behalf and after having up to 5 phone calls a day from best buy customer service I filed a written complaint because I feel I've been fraudulently charged and continuing to be fraudulently charged. Best buy sent me a letter that they would close my account to post but I'm still responsible for any fees they feel like charging me and did not address my complaint. I will pay the interest on the last {$200.00} dollar payment of the TV and am ready to settle with Best Buy and Citi Bank but can't speak to anyone who is the least bit helpful. Citi bank wants to charge interest on this back interest
Product: Credit reporting or other personal consumer reports

CREDIT COLLECTION SERVICES IS REPORTING AN ACCOUNT ON MY CREDIT AND I HAVE NEVER HAD ANY SERVICES WITH THEM. NOR THE ACCOUNT THEY ARE CLAIMING IS VALID. IT IS REALLY ANNOYING WHEN THINGS POP UP ON YOUR CREDIT AND THERE IS NO VALID REASON AND I HAVE NOT BEEN ASSOCIATED WITH THIS ACCOUNT.
Product: Debt collection

According to the FCRA, the information on my credit report MUST be is accurate, verifiable, and reporting timely and if not, IT MUST BE REMOVED! The past debt validation requests Ive sent they did not provide supporting documents. This account does not belong on my credit profile. My credit reputation is on the line due to their constant neglect for my credit and the FCRA.I am looking at my credit report right now and the account that I previously disputed with all three credit bureaus are still showing. 
XXXX XXXX XXXX could not provide documents with my signature. Since they are unable to supply legal supporting documentation that I am legally bound to pay them this account must be removed. XXXX XXXX XXXX couldn't show me legal proof that I have ever done business with them or have been associated with them in any personal and/or business matter.I will be left no choice but to file complaints with the Attorney General, Federal Trade Commission if this not deleted and removed from my credit profile.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed unauthorized inquires that I did not authorize or apply for. 

I have also attached my FTC report with inquires I did not authorize. 

Please see the inquires below that I did not inquiry on XXXX, Equifax and 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protested consumer rights to privacy and confidentially under 15 U.S.C 1681. 
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 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 15 U.S.C 1681 Section 602A states I have the right to privacy.

! 6 U.S.C. 1681 Section 604A Section 2 It also states a Consumer Reporting Agency can not furnish a account without my written instructions. 
15 U.S.C. 1681c. ( a ) ( 5 ) Section states : 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 reporting by more than 7 years. 
15 U.S.C 1681 s-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.