23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I contacted my ( bank ) USAA on several occasions during late XX/XX/XXXX and early XX/XX/XXXX regarding the issue identified below concerning my government card payments being returned as NSF : M XXXX XXXX credit card account was closed due to two returned ACH payments during XX/XX/XXXX, payments I initiated via online and USAA returned as NSF. 

Upon receiving notification from USAA Bank of the returned payments I contacted USAA to ascertain why my payments were returned and unfortunately, I did not receive a prompt explanation of the issue ( s ) that caused this action. 

After further communications with USAA regarding the returned ACH request for payments, they refunded the four NSF fees associated with the ACH requests I initiated, as each online check request was presented twice. I also requested USAA provide verification of the NSF payments as errors and they informed me that they have no formal verification template form or process that would meet XXXX requirements, but would provide a transaction history that shows the NSF activity and return of NSF fees. 

To maintain a XXXX XXXX XXXX XXXX, there can be no more than two retuned payments within a 12 month period and in this case there were four within one month albeit, the same two ACH payments accounting for 4 NSFs.
Product: Checking or savings account

Complaint against Nevada State Bank, DNA Zion Bank Corporation NA. 
I had damaged currency ( buried ) large amount. XX/XX/2020 bank inspected, counted and accepted all but 1 bill. I was asked if I wanted cash or to deposit, I chose deposit. XX/XX/2020 the banks asst. Mgr called stating their cash vault would not accepted a portion of currency, stating fear that Federal Reserve would not reimburse them and destroy. They said they would be debiting my account and I needed to pick up cash from them. All currency expect 1 bill was intact with denomination, serial numbers and security. A small amount was fragile so I placed it all in plastic bags. I am not comfortable with this. I do not know what happened, how currency was handled or how many people handled once it was inspected, counted and deposited in my presence. I did call Federal Reserve, they had no answer why bank would return after accepting, XXXX XXXX XXXX XXXX and XXXX though closed info on what mutilated currency is was not applicable to my currency, which was small water damage, dirt. I have not taken possession on the currency they want to return, they have it. 

Nevada State Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I've called Chase credit card services several times since last year XXXX since the change was unexpectedly made to my account but they will not deduct any fees that have accumulated since then & now am in Jeopardy of getting my card closed out which will be devasting since I was doing so well even with job loss to pay my payments
Product: Credit reporting or other personal consumer reports

Absolute Resolutions Corporation Amount {$6700.00} Greetings, I have attached my Federal Trade Commission Identity Theft Report as proof of my claim. 

As of today, XX/XX/XXXX, your company is publishing the above referenced fraudulent account on my credit reports. Delete this fraudulent account from my credit reports in 7 days by XX/XX/year> or I will sue Absolute Resolutions Corporation for defamation, willful noncompliance, negligent enablement of identity fraud, violations of the FCRA, and financial injury for the maximum amount allowed by the law. 

XXXX XXXX XXXX : Illinois Department of Financial and Professional Regulation, Federal Trade Commission, Office of the Attorney General , Department of Banking and Finance, Office of Thrift Supervision, XXXX XXXX XXXX Advocates for Fair Credit Reporting, Consumer Financial Protection Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit line increase or loan to pay down an existing credit line at a lower interest rate on XX/XX/2020 and was denied both because in my Experian credit report, XXXX had reported the periods of pandemic relief as delinquency. I contacted my XXXX XXXX account services by phone and was told this was the reason I wasnt approved. The person I spoke to was ignorant about pandemic relief for student loans through President Trumps Executive Order. I told them that adversely impacting credit scores during the pandemic was wrong. 

XXXX has a history of wrong doing and has continued to harass people with student loans during the pandemic. XXXX was sued by CA, Washington and Illinois for pilfering and bamboozling XXXX XXXX dollars on excessive interest fees and late charges from people with student loans. Ive been getting harassing phone calls since mid XXXX from them because they dont recognize Trumps executive order as lawful. I cant change what XXXX reports to Experian through Experian and have complained to Experian through customer surveys after requesting my credit report from them. Ive received text SMS messages from non listed phone numbers that are telling me my credit has been approved or increased after complaining to Experian ( an illegitimate attempt to imply my credit report has been fixed ). XXXX is approved by the IRS as a fiduciary but I dont believe theyre acting like one. Theyre acting more like a predatory lender of student loans and now its impacting my credit report/score so I cant have more of a financial cushion during the pandemic. How can I fix this issue when the people who have the reports, like Experian, wont recognize the lender as a non fiduciary impacting peoples credit scores? My own bank says that they dont have anyone that can override Experian reports on the decision to increase credit or give a low interest loan to pay off credit. I think this is totally unfair, illegal on XXXX part and detrimental to peoples financial well being during difficult financial times.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. As a result, fraudulent accounts and inquiries have been added to my credit report without my consent or knowledge. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that all of the following accounts and inquiries be blocked and deleted from my credit file : Fraudulent Account : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

A company ( XXXX ) whom we had over a 10 year relationship, has charged us with a {$1100.00} early termination fee on claiming we had a one year contract, which we do not. They had sent us to collection and threatening to ruin our credit record. They have refused to produce the said contract ( since it does not exist. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : XXXX
Product: Checking or savings account

I bank with SoFi this was my first time using XXXX with SoFi bank. They say that I violated the terms and conditions. I was unaware that I was not able to receive a deposit for cleaning a home via XXXX. They accept the funds. I tried to go back and take them out and they refused me and put my money on hold. I have a {$2300.00} mortgage also with XXXX children I am XXXX  and I pay cash for my XXXX. All this took place on XX/XX/year> my family and I also pay for food with this money. Im begging for help. I asked to speak with a manager, and they refuse me to speak with a manager. I really do not know what to do next I have called several several times thinking maybe the result will change. They will not even give me a date of when my check will be mailed out since theyre forcing my account close.
Product: Checking or savings account

I am writing to formally demand the immediate reinstatement of the funds wrongfully reversed by Wells Fargo in connection to a recent dispute involving defective merchandise received from XXXX. I purchased XXXX pairs of shoes, all of which arrived damaged, ripped, and drawn uponcompletely not as described. I reported this to Wells Fargo in good faith, expecting the protections afforded to me as a cardholder under federal law. 

Instead, your institution has illegally reversed the funds, leaving my account in the negative. Let me be absolutely clear : this is unacceptable and may constitute a violation of the Fair Credit Billing Act ( XXXX XXXX XXXX XXXX ), which mandates that consumers are not liable for charges on merchandise that is not delivered as agreed. I fulfilled my duty by filing a proper dispute. Your responseclaiming you can not contact XXXX a gross neglect of your responsibility as a financial institution. 

eBays policies and your internal limitations are irrelevantmy transaction was through your bank, and I reported that the items were defective. The items were clearly not as described, and you are legally obligated to protect my rights. Failure to do so amounts to negligence and potential bad faith handling of disputes.
Product: Debt collection

Amsher collection services were added to my XXXX credit report for the claimed amount of XXXX dollars. I do not know this creditor. Please help resolve this matter
Product: Mortgage

Although I am being sued by XXXX XXXX XXXX XXXX XXXX XXXX, the true entity behind the foreclosure complaint is servicer Bayview Loan Servicing. The foreclosure complaint claims that there is a default under the terms of the loan modification. For educational purposes, why does a lender or plaintiff plead a breach of contract under the terms a loan modification and not on the original terms? Because a loan modification agreement is an extension to the contract and therefore lender must plead that a default occur under the new terms of the loan modification. For clarity see Florida case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Bayview loans & XXXX XXXX XXXX  plead that a default occur under the terms of the loan modification. See attached complaint for your review. After carefully reviewing the allege loan modification we noticed that the agreement does not comply with Florida statutes of fraud and therefore is invalid without any legal enforcement in any Florida Court room. Under Florida statute 494.00296 ( 2 ) ( a ), A written loan modification agreement must be signed by both parties. Under Florida statutes of fraud, any modification to a contract is UNENFORCEABLE UNLESS memorialized in a written document signed by the parties or their representative. The allege agreement is void and without any legal effect as it was not signed by XXXX. See attached loan modification agreement page 4 of 5, it states the following in the upper part of the page " As evidence by their signatures below, the borrower and the lender agrees to the foregoing., it was never executed by XXXX. At this juncture fraudulent Bayview loan servicing from XXXX XXXX FL, can not make the claim that they forgot the signature page as they would be engaging in fraud. A lender must have standing at the inception of the foreclosure and does not acquire standing during the duration of the foreclosure action. The frivolous complaint must be dismissed as a matter of Florid law. You pleaded to a loan modification extension that never existed as XXXX never sign and therefore the agreement is a NON contract without any validity in A FLORIDA COURT ROOM you know better than that Bayvew Loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fraud and I am requesting a security freeze on my credit file. The following address are not accurate please delete : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX CT, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX Please delete the following cellphone numbers ( XXXX ) XXXX ( XXXX ) XXXX they are number mine.
Product: Payday loan, title loan, or personal loan

I am having an ongoing issue with my payment submission to MoneyLion for my XXXX XXXX XXXX loan. On XX/XX/2022, I updated my payment method to a different bank account. Unfortunately, the automatic payments following the update to my payment method have all failed. On XX/XX/XXXX, after updating my payment method, I even attempted to manually make a payment with my debit card via the alternate bank account, and MoneyLion never processed the payment. 

After the many failed payments, I contacted MoneyLion customer service on Saturday, XX/XX/2022, to inform MoneyLion that I wanted to suspend automatic payments and send checks via my banking institution 's bill pay option. On XX/XX/2022, I received confirmation that MoneyLion would cease the automatic payments. I requested to know when MoneyLion will apply the checks sent via bill pay to my XXXX XXXX XXXX loan. I am still waiting for an update regarding the payment sent via my bank and am still receiving automatic payment failure emails from MoneyLion. This ordeal is angering and frustrating because I have been trying to make payments on the loan unsuccessfully. 

On top of receiving several failed payment emails from MoneyLion, I most recently received an email threatening to sell off my loan account, which will place me in collections and ruin my credit. My credit is already suffering because MoneyLon reported my account as delinquent when they had a malfunctioning payment system. Errors of this nature are completely unacceptable from a financial organization of this stature that can grievously negatively impact their customer 's credit.
Product: Debt collection

Name : LVNV Funding LLC Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Contact Information : ( XXXX ) XXXX Product : Debt Collection Description of the Complaint : I am filing a complaint against LVNV Funding LLC for violating my rights under U.S. Code, Title 15. They obtained my personal information illegally without my consent, violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

When I called to issue a cease and desist order, I discovered this was not the first violation. LVNV Funding admitted to purchasing multiple accounts related to me, repeatedly violating my rights. Additionally, they reported duplicate accounts with incorrect balances. I did not consent to the original creditors to share or sell my personal information. 

Violations and Estimates : Unauthorized Access to Personal Information : LVNV Funding LLC obtained my personal information without my consent, in violation of 15 U.S.C. 1681b ( FCRA ). 
Estimated number of violations : XXXX accounts. 
Misrepresentation and Incorrect Reporting : LVNV Funding LLC reported duplicate accounts with incorrect balances, violating 15 U.S.C. 1692e ( FDCPA ). 
Estimated number of duplicate accounts : XXXX accounts. 
Repeated Violations : LVNV Funding LLC has a history of purchasing accounts and violating my rights on multiple occasions. 
Estimated number of previous violations : XXXX accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Numb # ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy, 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Debt collection

MDS has violated my rights as a federally protected consumer. MDS is in violation of 15 usc 1692. I have outlined their violations in the attached documentation. I am. invoking my specified remedy as a federally protected consumer I am demanding a deletion from all of my consumer reports, and monetary compensation for each violation Pursuant to 15 USC 1692k.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several fraudulent unauthorized inquiries that are listed on my credit report. I have requested these be deleted by contacting Equifax, XXXX and XXXX and they still are being reported. There is no permissible purpose for these inquiries and my privacy has been violated by allowing these companies access to my credit. 
The following inquiries are fraudulent : 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, credit repair services, or other personal consumer reports

Transunion and XXXX are failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. Transunion and XXXX are failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Transunion and XXXX are have claimed the account listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed : XXXX XXXX XXXX Open Date XX/XX/2019 balance : {$270.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted written proof to Equifax from XXXX XXXX XXXX that my late payments from the Months XXXX, XXXX, and XXXX of 2020 were removed. Equifax removed the late payments and then added them back. This is inaccurate and I've sent them proof twice as well as XXXX XXXX has contacted them.
Product: Debt collection

Bull City Financial has continued to attempt collection activity including credit file reporting on a time barred debt. The original debt is in the state of North Carolina and I am a North Carolina resident. The statuette of limitation in North Carolina is 3 years. 

I was never provided with the legally required validation notice. The alleged debt is from 2015. The account should never have been reported to my credit without providing me a validation notice and should have been removed and all collection activity stopped once it hit the time barred limit. The account is currently being reported against my credit file report is violation of the law and Bull City Financial 's responsibility as a data furnisher. I believe that these actions make them liable for violations of the FDCPA and the FCRA. 

I called Bull City Financial the first week of XXXX, and spoke to a collector named XXXX. I advised that his company was illegally still pursuing this debt past the statuette of limitation. I asked him was he aware of the concept of time barred debt. He told me he was not and attempted to collect against the debt that I advised was illegal. I asked to speak to a supervisor or compliance resource and XXXX disconnected the call.