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

SoFi was contacted in XX/XX/XXXX to have the payment date changed. Stated that the payment date could not be changed until the account was current, made payment account was current called back to have payment date changed from the XXXX to the XXXX. Was told that request was filed to have payment date changed in accordance with SoFi policy. The following billing cycle SoFi began calling 3-4 times per day following the previous 21st payment date stating the payment was late this in violation of 47 C.F.R. 64.1200 ( a ) ( 3 ) ( iii ) as well as ( 15 U.S.C. 227 ( b ) ( 1 ) ( B ) ). Informed SoFi of violation they notated the account and stated it would be placed on the " Do Not Call List '' furthermore XXXX additional consecutive calls on the same day XX/XX/XXXX was placed to by " Autodialed '' that then connected to a live representative stated by representative for SoFi. Again requested to be placed on the " Do No Call List '' since the payment had been made and they had not processed the payment on their end. Spoke to the same representative for XXXX consecutive times requested for her to stop calling me the payment had been made and referenced the previous requests for XXXX billing cycles to have the payment date changed. On XX/XX/XXXX the payment date change had still not been processed, contacted XXXX following the payment processing on XXXX XX/XX/XXXX stated that the request has to be made from the customers portal which is contradictive of what every previous representative had said. Consistently representatives have refused to give their identifying information when requested which violates SoFi business policies. Only exception for quality service was provided by XXXXXXXX XXXX XXXX XXXX. All other representatives were spreading misinformation and not following appropriate laws, regulations and policies of state, federal, and/or FCC guidelines XXXX Now, I am being told to wait an additional 2-3 business days for one of their XXXX XXXX to contact me so that they can diagnose the issues with my account access to be able to process the change of payment date. At the time this is being written on XX/XX/XXXX XXXX business days will once again push into another billing cycle and this process will start all over again. 

The methods of SoFi 's collection policies are non-compliant, and violate multiple FCC, state and federal guidelines. Polices to process any customer request expect the process to take at least XXXX months if you are constantly on them and are making your payments at the same time otherwise they can not make any changes to your account. Continued violations after requested to not be contacted again. Calls have all been recorded and documented on their end as well as mine. All relevant information regarding representatives names have been documented as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with transunion and Equifax 1 Equifax I cant lock my credit file because Equifax says they cant match my account with my personal information. I go though verification every time I log in and its starting to get old especially when Im paying for there services. This has happened on several sites that has Equifax on there apps they need to fix it and you cant reach anyone they dont answer phones or the automatic machine act like they cant under stand anything. 

2 XXXX  they are the worst of them all.. every transunion site I have is horrible I can login and check something and log out and then it tells me my password or user name is wrong when I just logged out and then to reset it you have to wait a day for the system to email you to reset it. Ive called them too many times and can never reach anyone I have 8 numbers for them and its all the same you never get a human. I am a victim of identity and I cant even lock my reports because they say I have to wait until a dispute is completed which has been about a month now. There helping people access my profile by not allowing me to lock my report. Then when someone sues them which Im in the process of doing they wan na act like its not there problem. Im paying for 3 of there sites and there all the same. I cant even cancel my accounts due to me having log in issues if someone can help me just get rid of all my memberships with the credit bureaus would be a big help because Im wasting my money and time trying to keep my identity protected I might aswell post my personal information everywhere online for that matter since there is no protection with these sites and apps.
Product: Credit card or prepaid card

Citi Double Cash Card - Denial of promotional offer after meeting eligibility requirement : XX/XX/XXXX - An application was submitted in citibank.com ( Application ID # XXXX ) applying for the Citi Double Cash Card with a promotional offer of {$150.00} to be credited to the account on the condition that {$500.00} is charged within the first 3 months after activation of the card. 

XX/XX/XXXX - application is approved. 

XX/XX/XXXX - {$1000.00} is charged to the card. 

XX/XX/XXXX - I contacted the Citibank Customer Service team and was informed the promotional offer was not on my account. I was told I had to prove I used the correct link when applying. I explained I had no way of proving that and can not control that advertising links are correctly linked on their network. I filed a complaint to be internally reviewed and processed adamantly explaining the offer was on the citibank page when clicked. 

XX/XX/XXXX, Citibank sent a letter stating the account is not enrolled in the offer to receive the {$150.00} cash bank promotion and it states I did not apply using the correct link. 

XX/XX/XXXX - I called Customer Service again and was forwarded to a manager who explained I can file another complaint internally but would not get any different results. She explained Citibank would just mail me the same letter. 

I also wish to add that I have no credit card debt whatsoever along with a very high credit score, and am solely filing this complaint as a matter of principle. I feel defrauded entering into a contract with the promise of an award never realized. Consumers have no ability to control the advertising links on these offers as they are directed onto the Citibank network and are easily subject to fraud. Citibank makes no apology and shockingly asks consumers to provide information about their own network - clearly outside the control of the consumer.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX have illegally taken my public records regarding my XXXX XXXX and XXXX XXXX  Bankruptcy Court Cases and have put them on my Credit Reports. I reached out to all three Credit Bureaus to request them in both writing and over the phone to remove the Bankruptcys from my Credit Reports by filing disputes. They refused and said they received my public records from the US Bankruptcy Court, XXXX and XXXX. I have reached out to the US Bankruptcy CourXXXX and XXXX and received a response back from them stating they do not report and did not report my Bankruptcy Court Cases to Experian, XXXX or XXXX. 

I followed back up with Experian, XXXX and XXXX with variable information from the US Bankruptcy Court Letter to me and from XXXX that says they did not give the 3 Credit Bureaus my Bankruptcy Court Case information. My rights to privacy and to safeguard my privacy has been violated and published illegally on my 3 Credit Reports and the 3 Credit Bureaus are refusing to remove them. I told them I will file a CFPB Complaint if they still chose not to remove them from my Credit Reports.

They have not been able to provide me with proof and verified documentation of how they obtained my Bankruptcy information. They only lied on the US Bankruptcy Court and XXXX. They are violating FCRA Consumer Laws. 

XXXX and XXXX also illegally received and reported my Bankruptcies to the XXXX Credit Bureaus and are refusing to remove it.
Product: Checking or savings account

I have a CD with BMO Harris Bank. They sent me a disclosoure notice stating the date it matures, the term, account number, current balance and phone numbe to call to close it. When I called the number, first I had to go through the most ridiculous phone tree I have ever experienced to get to a live person. None of the option, in any of the branches of the phone tree, had anything to do with CDs. When I finally got to a live person ( obviously offshore ), she kept asking me to answer questions that were not on the notice of account disclosure, such as the original amount invested and the interest rate. Neither of these items were on the " notice of account disclosure. '' I gave her all other information about my self, name, address, account number, Social Security number, current balance, etc. 
She kept putting me on hold and I asked her to call me back if I got disconnected. She did not want to take my phone number but I insisted on giving it to her. Naturally, I did get disconnected and she never called me back. A customer should not have to go through this rigamarole to get their money back. Now I will start all over but I don't know if I ever will get my money back. This customer " service '' is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX2011 ACCOUNT PAID IN FULL ACCOUNT CLOSED BUT STILL SHOWS ON CREDIT REPORT AS 1 MONTH DELINQUIENT XX/XX/XXXX XXXX XXXX XXXX ACCOUNT # XXXX EXPERIAN IS THE ONLY CREDIT BUREAU STILL REFLECTING THIS OLD ACCOUNT
Product: Debt collection

I owed the Original Credit which was XXXX XXXX XXXX  and after they charged the debt off they sold it to LVNV Funding who is a debt buyer in XX/XX/2016. LVNV Funding hired a collector by the name of XXXX XXXX XXXX to try and collect the debt. XXXX XXXX XXXX sent me a settlement letter and I submitted the settlement amount as required and they won't update the credit report showing the debt has been settled. They have it showing that I still owe {$530.00}. Also the statue of limitations on old debt is 3 yrs and it is over 3 yrs and they are still trying to collect. See attached info.
Product: Payday loan, title loan, or personal loan

Bait and Switch In XX/XX/2017, I applied for an auto title loan because I was in need of medical care and needed money to pay for the medical care. I received multiple offers and selected WCC ( Wilshire Consumer Credit ) because I liked the sales agent. I received a lower interest rate from another company and because I felt I could trust Wilshire Consumer Credit, I gave them the change to earn my business and they did in fact counteroffer with a lower rate and payment. 

Unbeknownst to me, WCC increased the interest rate and payment they quoted. 
They did a bait and switch. I contacted the agent as soon as I realized it. She never responded to me again. 

When I finally got of treatment, I called and complained about the loan terms being switched and was told " Too bad, it's too late now. '' I didn't understand that this type of loan would cost me so much and I wouldn't be able to pay the principal. In fact I was discouraged from making larger payments. I asked for copies of my loan docs and they never sent them to me. 

Each time I complained about the terms and my suspicion that this loan wasn't even a contract because I never agreed to the different terms, I wasn't taken seriously. In fact, the most recent time they tried to get me to refinance into a new loan which would be valid. 

Calling from local numbers WCC has been calling me from XXXX phone numbers, which is my area code. Their company is not in my area. They have been continuing to call me from disguised local numbers. 

Unauthorized Contact of My References My references have also been receiving suspicious phone calls from XXXX numbers that occur when I am late on my payments ( which I have been often because of the higher payment amount ). 

Damage to My Credit Because of the deceptive loan and bait and switch and my stress over the loan and illness shortly after I took out the loan, my credit has suffered and I am now struggling to finish school because of difficulty qualifying for student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

It states that I open a line of credit in XXXX home XXXX XXXX I closed on mortgage XXXX do not have open mortgage
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 protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 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. 


Inquiry : 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  has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction. 

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. 

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Mortgage

My mortgage was with XXXX XXXX. After signing, they notified me that they put the wrong insurance company on the paperwork and made me resign things. Then they sold it to Roundpoint XXXX. They immediately tried to raise my monthly payments because they said they had paperwork with the higher insurance price. I called XXXX and they supposively fixed it. 

Then in XXXXXXXX 2017, I get notification from Roundpoint that they were selling my mortgage. But after they decided to sell it, they did an escrow analysis and decided my payment should be increaed from {$1400.00} to {$1500.00}. When I contacted the new mortgage company, they told me that apparently Roundpoint was paying two different insurance companies ( incorrectly ) and that extra {$1200.00} was them mistakingly paying the new insurance. 

When they did their escrow analysis, they failed to notice they were paying two different insurance comanies. Instead they noticed a shortage for the year of {$1200.00} and decided that I should make it up PLUS increase my payment to cover it for the next year. So they raised my mortgage by {$200.00} knowing they were selling it and the new payment would be to the new company. 

However, because they sold it, they new company is unable to do an escrow analysis for 60 days and expected me to pay the extra money until they could. Thankfully, I asked my issue to be escalated and XXXX XXXX was willing to figure this all out.
Product: Debt collection

Resurgent Capital Services is reporting an invalidated account on my credit file that does not belong to me ( Reference number XXXX ). I have never done business with their client nor them. I spoke with someone name " XXXX '' requesting validation of this alleged account and why this company thinks they have the right to report this false information on my credit file. This company is violating my rights, federal and state laws under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and Defamation of Character.
Product: Credit reporting or other personal consumer reports

Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 I'am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to XXXX XXXX XXXX acct # XXXX written, unwritten, verbal or non verbal to report my nonpublic personal information. XXXX XXXX XXXX acct # XXXX is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by XXXX XXXX XXXX acct # XXXX that my nonpublic personal information was going to be shared to non affiliated third parties such as XXXX, Transunion, and XXXX. I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every XXXX ( XXXX ) days which XXXX XXXX XXXX acct # XXXX never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. Also, XXXX XXXX XXXX acct # XXXX violated the terms and conditions within their banking agreement, because XXXX XXXX XXXX acct # XXXX states that they do not provide consumer information to third-parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive XXXX different disclosures before my nonpublic personal information is shared but I never received notice. I also realize that my account is being sold on the secondary market without my consent and if this account is not removed from my report within XXXX hours. I will file a SEC complaint. I will be forced to get an audit report done on my auto loan if this account is not removed and under law this is a charge off account and charge offs is considered income and income can not be listed on any credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up complaint to tell you to verify the misleading report of this account : XXXX XXXX  XXXX .... Balance : {$56.00} The account should be verified since I sent a complaint last XXXX XXXX This time verify the aforementioned account for its errors in reporting.
Product: Debt collection

These 2 collections were taken off my credit in XXXX of XXXX. Myself and the instance I had at the time contacted the collection agency and my insurance told them the company had a year to bill them and after that they could not. I disputed these collections and they were taken OFF my credit. XX/XX/XXXX. The same collection agency has put them back on there XX/XX/XXXX. I have contacted them several times only to be yelled at saying Im responsible and that they did not take them off because of what insurance told them back then that they sold it to another agency and that was the reason when thats false. The lady saying that didnt work there then and it was taken off as soon as i disputed it then and after the insurance lady spoke to them. We were told it was gon na be taken off which it was. In XXXX. I need these taken off. I have the dispute results from XX/XX/XXXX which shows they were taken off and I did not owe and was not responsible.
Product: Credit reporting or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Inquired on XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a dispute online with transunion on XX/XX/XXXXand today XX/XX/XXXX still open status with no update status Ive ask them to look into some facts that where to me not right. 

Some balances that are there that should not be there
Product: Credit card

I have been an American Express Platinum cardholder in good standing for nearly two decades and spend ~ $ XXXX per year on my card. Last month, I added three family members to my card as additional cardholders. This was so these family members could receive AmEx Platinum perks, such as lounge access. This was intended to be a gift to them ( so they did not know I was adding them as additional cardholders ). After adding these family members, their credit scores dropped XXXX points! I called AmEx and spoke to multiple customer service reps who told me that should not have happened because when AmEx reports to the credit agencies AmEx notates additional cardholders aren't responsible for balances. So AmEx said I, as well as the additional cardholders, needed to speak with the credit bureaus. A credit bureau that I spoke with ( who AmEx transferred me directly to ) said AmEx is wrong and that my balances are definitely applied to additional cardholders. Of note, my family members never had to approve being added to my account. So basically a primary cardholder can unilaterally -- and perhaps purposefully -- drop someone else 's XXXX XXXX by XXXX points simply by adding said person as an additional cardholder. All that I needed to submit to AmEx was name and DOB of my family members. Not even SSN. ( AmEx said additional cardholder SSNs get automatically applied if the additional cardholder already has an account with AmEx, which of course many people do. ) AmEx has told me there is nothing that can be done about the situation. Furthermore, and not as important, AmEx had told me before I added the additional cardholders that additional cardholders could not see my own balance. This was not accurate. What they can not see are my individual transactions.
Product: Checking or savings account

On XX/XX/2023 US bank decided to close my account for no reason. I told them I had a direct deposit coming in from treasury department for my social security payment. They explained to me over the phone that my account wouldnt be close. On XX/XX/2023 I went to US bank at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX United States to access my money that came in from my direct deposit. At this time they wouldnt allow access to any of my money and said my account was being closed. I explained to them I was facing eviction that I needed access to my money. Furthermore, they wouldnt provide me any documentation stating my account would be close. I trusted US bank with my money, and I feel they are being negligence with my account and my money. Please help me hold them accountable.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$7100.00}
Product: Payday loan, title loan, or personal loan

I cant exactly remember the date this occur but it's a fraudulent account that I knew nothing of for so long