23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

These are the following Accounts : Department XXXX XXXX XXXX XXXX Account # XXXX Date opened- XX/XX/XXXX XXXX. Account # XXXX Date opened- XX/XX/XXXX XXXX. Account # XXXX Date opened- XX/XX/XXXX XXXX. Account # XXXX Date opened- XX/XX/XXXX XXXX. Account # XXXX Date opened- XX/XX/XXXX XXXX. Account # XXXX Date opened- XX/XX/XXXX XXXX. Account # XXXX Date opened- XX/XX/XXXX XXXX XXXX. Account # XXXX Date opened XX/XX/XXXX XXXX. Account # XXXX Date opened XX/XX/XXXX XXXX. Account # XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX. Account # XXXX Date opened XX/XX/XXXX - Closed account XXXX. Account # XXXX Date opened XX/XX/XXXX - Closed account XXXX USC 1681 Section 602A, states I have the right to privacy.

15USC 1681 Section 604A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section states, no consumer reporting agency my make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s- 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows of reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

KIK OFF LENDING LLC is in clear violation of the law for contacting a third party or consumer reporting agency with my nonpublic personal information without lawful authority. I obtained a copy of my consumer reports ( XXXX, XXXX and XXXX ) to notice an account furnished by KIK OFF LENDING with XXXX late transactions starting on ( XX/XX/XXXX ). KIK OFF LENDING can not provide me with a copy of an original signed consumer agreement where I gave them written authorization to furnish anything on my consumer report which violates 15USC 1681 ( B ). They also can not provide me with the original statement they sent me 21 days before the XXXX late transactions in this account was reported to the consumer reporting agencies which is a violation of 15USC 1666 ( b ). By furnishing these transactions, they also violate 15 USC 1681 ( 2 ) ( a ) ( i ) which states all transactions or experiences to any person are excluded from my consumer report which means late or not, my transactional history to any company is not supposed to be reported on my consumer report. On ( XX/XX/XXXX ) and ( XX/XX/XXXX ), I sent KIK OFF LENDING a notice of their violations and demanding deletion of these late transaction or the account they furnished. According to the law referenced, this data furnished is unverifiable, inaccurate, and a direct result of IDENTITY THEFT as per 18USC 1028 ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed that there are unauthorized credit inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that Experian, XXXX and XXXX credit bureaus initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unauthorized inquiries as soon as possible : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022.
Product: Checking or savings account

i allege on XX/XX/2019 Marcus by Goldman claimed to open a {$10000.00} savings account for me confirming with an email of the same date. However, for reasons within Marcus 's enrollment system my funds went missing for more than 16 days before after constant contact and follow up communication Marcus did nothing to assist me with the location and opening of my account for over 16 days.

I am filling this complaint as a matter of right, because I feel they ( Marcus ) disregarded my rights as a on-line depositor and they breached their fiduciary duty to inform me of the status of my {$10000.00} deposit which was lost or un locate-able for over 16 days despite my insistent contact with them to determine the whereabouts of my funds they claimed by email that they had received and opened my account. 

They refused to extend any customer service to me in my request for a reasonable accommodation since they both lost my deposit and subsequently failed to perform their fiduciary duty to alert me of the status of my funds and further failed to assist with the location of those lost funds for over 16 days despite my consistent contact requesting assistance in their location. 

I had to expend an exorbitant amount of time and phone calls and wait time, and drafting letters which took me away from other pressing matters. They never attempted to compensate of provide me with a courtesy with my account nor compensate me for my time and efforts to locate and recover my {$10000.00} deposit. 

Be on the look out for my fax in the next couple of days of three letters, two invoices and most of all my reasons for filing a detailed 7 page complaint.

Please assign me a case number in order that I may follow up with the status of my complaint.
Product: Bank account or service

ALLY bank doesnt accept other form of identification but a social security number
Product: Credit reporting or other personal consumer reports

My mortgage was transferred during Covid to XXXX mortgage service from XXXX during Covid. I was initially placed on forbearance, and when the forbearance was over, XXXX put me on scheduled payments. I paid every payment either early or on time. The first payment was due in XXXX. Once I was given the amount, I paid it early in XXXX. XXXX reported it 60, 90, and 120 days late, although it was never late, paid early, or on time ( see attached documentation ). I sent documentation to Experian verifying this, but they have not removed it. I have never been late. I was under COVID-19 protection once over ; I immediately resumed payments. I have been dealing with them for over two years.
Product: Student loan

My private loan through sallie mae now navient went into default in XX/XX/XXXX. I was charged 16 percent interest initially in XX/XX/XXXX when my credit was at a very positive status. I had to get a loan to cover the existing balance that my federal loans did not cover. 
I was told in XX/XX/XXXX by an 3rd party agent that if I didnt make a large sum payment that there would be legal action taken immediately at that point made a XXXX dollar payment. I was continually making payments to my loan the best I can til I lost my job. They offered me a 0 percent repayment option and I was unable to come up with a large sum of money that the agency requested. Then recently through another agency they offered me 0 percent repayment without a down payment. why wasnt this offered to me in XX/XX/XXXX? 
Navient will not give me any concessions and I asked repeatedly for documentation since my loan originated. It took months to years and no one would get that info til recently. Ive paid thousands and thousands in this loan and still accruing interest. I was told by many attorneys that this loan is a scam. When I request info they tell me to refer to the agency because theres not anything they ( navient ) can do. When I talk to the agent, they tell me to refer to Navient. Its old! 
Can you please help me? I want to come to a positive solution on this. And also would like to consider a civil lawsuit if possible. And understand that Navient has many legal action lawsuits against them currently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Bureau Services Inc, XXXX XXXX XXXX XXXX, MT XXXX This collection agency did not report back the account information I requested.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a hard inquiry was posted on my consumer report without my authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA 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

I do not consent to e-OSCAR verification and want an actual living human to read this complaint. I will have my invoice for damages and federal consumer violations attached below. Also, a marked-up consumer report showing the XXXX XXXX violation 's that Experian are furnishing with the accounts. Every marking is a federal consumer rights violation, and each violates Privacy Act of 1974, 15 USC 1681, 15 USC 1681e, 15 USC 1681b, 15 USC 1681n and 15 USC 1681a. I have previously attempted to fix this problem with Experian, but I see that they are continuing to violate my federal consumer rights that they agreed to uphold. I fully intend to pursue arbitration or litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance in reference to me being violated by the XXXX XXXX reporting 's. I will continue with Arbitration as my next step to resolve the violations and also civil liability due to violating my consumer right 's.
Product: Mortgage

I have XXXX XXXX w/ Towne Mortgage and my first XXXX  was paid for work that was not completed nor properly done. He was paid to close a wall ( wall wasn't completely closed ), installing and reframing windows. He was also paid to stucco my property and that was not completed. The plumbing was also done incorrectly and had to be altered by the new XXXX. All windows were not installed nor reframed, he was paid to remove all debris accumulated in the back yard. I had to pay to have it removed by another XXXX. The XXXX was also paid an additional {$3000.00} for drywall that was not installed. The XXXX XXXX  XXXX  found no errors with the first XXXX XXXX work when there is clear negligence. 
My first XXXX called Towne Mortgage and threatened to put a lien on my property. I was told by the bank to just pay the XXXX so that I can move on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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 compy with error resolution requirements und the EFTA and regulation E
Product: Checking or savings account

I 've had several deposits into my Bank of America accounts from the same branch and sender since opening the account. All deposits were made in cash at a teller into my account. On the XXXX of XXXX there was a cash deposit made of XXXX XXXX which had not reflected after being deposited around XXXX. I called customer service and they asked to call back at beginning of following week if nothing had appeared. The following XXXX I spoke with an agent in XXXX of their accounting departments who allowed a temporary credit into my account of XXXX XXXX until the deposit was found stating they may have placed it into someone else 's account. After several weeks of stopping into my local financial center and speaking with management I was told to continue calling for updates until the end of XXXX when they chose to close the claim. They said they were unable to locate the deposit in my name. I called and asked to reopen the claim and please check the dastes and amounts to the particular bank since the deposit was made out of state. With little progress and even less information given to myself I 'd like to know why there has been no availibility after the original person who made the deposit supplied a recipt of the transaction to that bank. The bank was contacted on my part which said they did not know or have knowledge of who handled that information which has not gotten me anywhere in my progress and now without those funds nor a way to site the original transaction.
Product: Debt collection

ERC is a debt collector trying to collect from sprint. Never received any validation from either debt collectors but they are reporting on my credit report negatively.
Product: Bank account or service

I applied for a new Citibank ( Checking ) Account Package promotion over the phone using promotion code XXXX. This promotion states that it would give {$400.00} if an initial amount of {$15000.00} or more is deposited into the account within 30 days. I asked the customer service representative that was opening the account for me if the promotion was applied to my account and I was told that yes - it was attached to the account and that I qualified for it. 

The account was opened on XXXX/XXXX/2016 and the {$15000.00} was transferred on XXXX/XXXX/2016. This is within the requirements of the promotion. I called recently to check on the status of the promotion and was told by the customer service that the promotion was not tied to my account - which is incorrect. I applied for the account over the phone, and was previously advised that the promotion was attached to the account and that I qualified for it.
Product: Mortgage

My XXXX payment to the company was not posted correctly and I have had major problems ... after NUMEROUS calls to rectify it ... .it is now XXXX and the problems are STILL not corrected..
Product: Mortgage

I have requested PMI be removed 3 times before i became delinquent on my payment starting in XX/XX/year>. I agreed to pay for an assessment of my condo and Roundpoint Mortgage never did the assessment nor removed my pmi as my value increased beyond the 20 percent. Also, when I did ACH payments over the phone they waited longer than the 5 days required. They are collecting my taxes in an escrow account and charging me monthly what they should be charging me quarterly so I have a huge overage and money they owe me. I put my account on hold in XXXX after they did a re-ammortization and the monthly bill was still too much. Now they tell me they dont do re-ammortizations and they can not find it in their computers. I got behind on payments while I was trying to sort out the overpayments and payed all the amount past due to save it from foreclosure. They are still charging me too much and keep giving me all different kinds of numbers and all different kinds of assessments of where my money is going and not addressing my overpayment of the taxes. There are other areas that I am also overpaying in.
Product: Vehicle loan or lease

I have to resubmit this claim because it was not properly closed by the company. I called Ally Auto around XX/XX/XXXX and spoke with an agent about creating a deferment since I lost my income but have another job Im about to start. He told me that I would have a payment due XX/XX/30 of XXXX and then XX/XX/30 XXXX. He then told me to try to make a payment within ten days of XXXX. I told him I probably wouldnt be able to make the payment, but asked if it would affect my agreement if I couldnt. He said no thats fine. I then received a letter in the mail stating my agreement was canceled because they didnt receive the XXXX. So I called and told the agent that I had spoken to someone and they said it was fine if I didnt make the XXXX payment. The new agent told me that was incorrect and the first payment wouldve been required. I asked them to listen to the call because an agreement was made on the recorded line and they said they would call me back within 24-48 hours. Instead, I receive ghost calls where they hang up as soon as I answer. Ive sat on hold for hours but only get agents that seem to not be able to hear me or just hang up. Ive tried numerous times to handle this matter with the company directly. 

Ive tried multiple times to contact the representative. The response I received had absolutely nothing to do with my complaint. My complaint was regarding a recorded phone call where I was told misinformation. I need Ally to listen to the phone call and honor the agreement that was made with me. The representative on the phone clearly stated that I do not have to make the payment within 10 days for the agreement to go into affect. He told me to try to make the payment within 10 days. I responded by saying, if I dont make the payment will my agreement still go into affect? The representative responded saying yes thats correct.
Product: Credit card or prepaid card

Yesterday XX/XX//2019 I received the following email from American Express. 

They lowered by Credit Limit without any notice this was going to be done or options I could take to handle beforehand. Only options after it was lowered. 

I was not anywhere near the credit limit, had made all payments on time. Apparently, it was decided after pulling a credit report to lower the credit limit. 

The biggest problem this has created is now this Credit Card is considered " maxed out '' which it was not even close to being " maxed out '' prior to them lower the limit. 

The problem this is going to have on my credit report is it will lower my credit score, which is important on the credit front in general. 

The fact that this was done without any prior notice, which I am sure they can do, which is so unethical. 

I did call them and spoke to a customer service rep who is the one who read over the phone why the limit was lowered. I felt like I was talking to a robot and this robot was just reading a script. 

This is an unfair practice in my opinion as I have always been on time with the payments, always paid more than the minimum. Never read if I didn't pay the balance down by a certain time I would have my limit lowered. 

The only reason this is so maddening is that now by no fault of my own credit limit and my credit score will be affected greatly. 

Not sure what can be done about this practice. But it is an extremely unfair way to treat good customer 's who pay their credit card on time and had considered being in good standing. 

My credit limit was {$20000.00} and the amount used {$10000.00}. I had also made a payment of {$450.00} just a few days earlier. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been taking payments every week when they are supposed to be taking payments every two weeks. They are reporting that my payments are behind but can not provide me the proof. This has affected my credit to where I have been denied a home loan. They continue to harass me and call me daily about a balance that is past due when in fact it is paid and they are not updating the payments on their end. I have sent them multiple letters and even called them to fix this on my credit and they still refuse. Hopefully me filing the complaint will work.
Product: Credit card or prepaid card

I have a card with Capital One - about two years ago I experienced a financial hardship ( divorce & my mother unexpectedly passed away ). I was forced to pay both rent in XXXX XXXX and my mortgage. I understand that the default was my issue and I had an agreement w/ Capital One to make monthly payments, which I failed to do for a a few months. The account did not charge off, but instead is restricted. 

I called and spoke with an employee and was told that once an account is restricted it's basically closed until I pay off the balance. I understand this as I did miss several payments, but why not just close the account if they have no intention of restoring use? 

Where I take issues is 1. they have effectively closed the account ( as I was already told the account will never be reopened. ), they do this to avoid Reg-B requirements to issues an adverse action notice and 2. they have the audacity to continue to charge me a membership fee of {$39.00} for a membership I can not use. 

This is abusive as it take unreasonable advantage of me as a consumer. I'm not asking for a handout, like the one Capital One got from the government during the XXXX recession, but to be treated fairly. If they are going to close the account, close it and stop charging me membership fees. They aren't a credit union anyway - how can they have a member fee? They are losers who failed multiple times in the mortgage space. They have a history of UDAAP violations, as evidenced by the XXXX consent order where they were tricking customers into signing up for their credit protection / monitoring service. 

Lastly, I set up autopay to pay {$100.00} a month until the {$700.00} balance was paid off, they stopped drafting the {$100.00} and began to only draft {$15.00} - which will take forever to payoff - another UDAAP violation. They should change their name to UDAAP Bank N.A.

Capital One needs to be investigated for their continued UDAAP. Enjoy the read XXXX.
Product: Debt collection

Re : XXXX, XXXX, XXXX Company has violated my rights re : Under the Americans with Disabilities Act ( ADA ) 42 U.S.C. 12101 et seq., individuals with XXXX have the right to receive communications in an accessible format, including electronic communication, as a reasonable accommodation. The ADA Title III ( 42 U.S.C. 12182 ) and 28 C.F.R. 36.303 ( c ) require businesses, including debt collectors and credit reporting agencies, to provide effective communication methods for individuals with XXXX.