23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am receiving harassing, threatening phone calls and phone calls of death threats from representatives from EOS CCA debt collection agency in regards to a debt owed to the original creditor : XXXX XXXX. This debt do not belong to me and is the result of identity theft. I am a victim of identity theft.
Product: Consumer Loan

I have been laid off and unemployed for a little over 2 weeks now and was unable to make my {$72.00} payment with Fast Bucks, located on XXXX XXXX in XXXX Idaho, with whom I have an installment loan with. As of today, My loan is three calendar days late. I called Fast bucks at XXXX this morning, XXXX. XXXX, to let them know my situation with my employment, unemployment insurance, and that i will be in sometime this week to make a payment. That is when I was informed that my account " has '' to be put into bad debt. The store also told me my account will still accumulate interest while in bad debt and that they will still accept payments from me. 

Now is this very confusing to me because i thought " bad debt '' only occur after all attempts are made to collect on the debt. And if they are saying that my account is going into " bad debt '', which means the debt to them is not collectible, then why are they still threatening to racking up interest on my account? When i asked the store if it is normal and recognized in state law to continue applying interest in this situation that they informed me about, they said " yes ''. The store also explicitly told me that the CFPB knew about it and approves it. 

When I called the CFPB, i was informed that they could n't find anything in relation to the store practices when it came to interest and bad debt practices. I also was informed by the CFPB that they could n't give me any legal advice with my matter - understandable. They did tell me I could write a complaint on the matter. 

Still wanting answers i tried to call back the Fast Bucks store and got no answer, but the call did get forwarded to the Fast Bucks corporate office. I told corporate about my situation and asked about the " bad debt '' and what steps are taken before a account in put into bad debt. Corporate was VERY vague and told me multiple times " its all depends on the customer ''. " everyone situation is different ''. This too i thought was very strange that the representative could n't give me any details on how long a debt that is unpaid goes before being put into bad debt. The representative exclusively told me that there were no such time frames implemented within the company. When asked to speak to a manager, he told me " he will tell you the same thing ''. I terminated the call after that. 

I feel Fast Bucks as a whole is treating my unfairly. I feel that they are threatening me with false information about putting my account in bad debt. I feel Fast Bucks purposely with holding information on the debt collecting process including : grace periods, time frames and legal steps when collect debts and putting accounts into " bad debt ''. I feel its fraudulent to put someone account into " bad debt '', to write off as a business expense, and still collect interest and payments from the persons whom holds the debt. 


Thank you.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXXXXXX Balance : {$520.00} XXXX  XXXX XXXX Balance : {$4300.00} XXXX  XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX Balance XXXX {$2400.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXXBalance : {$520.00} XXXX  XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$37000.00} XXXX  XXXX Balance : {$17000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX  XXXXBalance : {$510.00} XXXX  XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$36000.00} XXXX  XXXX Balance : {$17000.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$2400.00}.
Product: Credit card or prepaid card

On or about XX/XX/2021 I called my credit card company to ask about authorized users on my account ; specifically, how many authorized users I was allowed to have on the account. I had recently read on their website when I signed into my account that I was allowed ten ( 10 ) users on the account. The customer service representative I spoke with confirmed that was correct and I was allowed to have ten ( 10 ) authorized users on my account. 

Given this information, both published on their website and confirmed by their customer service representative, I added seven ( 7 ) authorized users ( all family members XXXX to my account. 

On XX/XX/2021 I woke up to login to my account and found that my account had been closed. When I spoke with the customer service representative for the credit card company, they informed me it was because I had " too many '' authorized users on the account. A subsequent letter I received from the credit card company confirmed that was the sole reason my account was closed ; " excessive number of authorized users on this account ''. 

I spoke with a supervisor and an account manager, " XXXX '', on XX/XX/2021 and I argued that I was well within my rights to have the authorized users on my account per the information on the website and the representative that informed me so. Further, it was illogical ( and impossible ) for me to have an " excessive number of authorized users '' on my account as I was allowed ( authorized ) by the credit card company to add these users to my account. Why would I be allowed to add these users to my account if it was against procedure, policy, rules, or terms of my agreement with the company? Why would they make that statement on the website? Why would the customer service representative give me that information? How could their system accept it, then issues credit cards in all the authorized users ' names if I weren't allowed, if there was an " excess ''?

The account manager " XXXX '' said he understood and told me that they would review the action and send me correspondence with a decision. 

The decision was received today, XX/XX/2021 and they have declined to reinstate my account. 

This obviously has had a negative effect on my credit and credit worthiness. 

While there are many possibilities as to why my account was actually closed, I can only understand it as being some form of discriminatory action, as I had recently ( two weeks prior to my account closure ) paid down my balance of about $ 11k and two ( 2 ) days before added my family members to my account with names that are of XXXX decent. Why else would my account be closed if my account was in good standing, balanced paid off, and I had not violated any terms of my account? 

There is simply no other way for me to understand the actions of the credit card company in any other way. Again, as the SOLE reason for my account closure was " excessive authorized users '' on my account even though I was allowed to add those users.
Product: Prepaid card

On XX/XX/XXXX, I received an AMEX gift card, which is worth {$290.00} as reimbursement to cover some of my guarantor fees paid for renting a room. However, I find I can't use the card online. The remaining balance exceeds the payment amount, and I even tried multiple times to make a smaller amount of payment, but all the attempts failed. 

AMEX made deceptive advertising that said you can use these cards ANYWHERE that takes AMEX. The website I was trying to use the card does accept AMEX gift cards ( I contacted customer support to confirm and they said they had no idea why these transactions were declined and asked me to contact AMEX 's customer support ) I contacted AMEX customer service several times and they can not offer me any resolution. They can not tell me why the transaction was declined, they can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not offer me a refund. The customer service simply does not provide any meaningful help or guidance to help customers fix this issue, after AMEX enticed customers to get their gift card by making the misleading and deception claim " it can be used anywhere that takes AMEX '' They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. Even in the case where I tried to use less than 25 % of the remaining balance, the transaction was still declined. 

This system seems designed to skim a few dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. 

This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. 

There is just no way for me to use their cards. My money is inaccessible. All I want is the total balance on my cards in cash/check.
Product: Credit card

On XX/XX/XXXX, I purchased XXXX XXXX XXXX XXXX from XXXX for {$2000.00} each, or {$4000.00} total. In return, I was supposed to receive my investment back plus a 15 % return in one year. So, I was due to receive {$4600.00} after they sold the beef from the cattle within 10 days after XX/XX/XXXX. I put the charge on my Chase XXXX XXXX XXXX card ( XXXX ). Please see attached for the contract and my credit card statement showing the purchase for {$4000.00}. 

XXXX was later found to be operating a fraudulent ponzi scheme. They have disconnected their phone number, and I never received my promised payout. Please see the latest update here : https : XXXX XXXX is now under federal investigation by the SEC with ongoing legal proceedings. 

XXXX XXXX is the attorney handling this case. 
XXXX XXXX I reached out to Chase twice about getting the {$4000.00} charge reversed because I never received the " goods " ( {$4600.00} ) I was promised. I am attaching their latest response from XX/XX/XXXX, XXXX. They denied my request saying the charge was valid. But that isn't the basis for my dispute. I am not disputing that I made the purchase. No one stole my credit card and made the purchase. I acknowledge that I made the {$4000.00} purchase. I am simply arguing that I never received anything from XXXX in return. 

The whole point of making a purchase through a credit card rather than paying cash is to receive some layer of protection from fraudulent companies such as XXXX. This ponzi scheme has involved thousands of victims and some of them have already received refunds on their credit cards from other issuers such as XXXX XXXX -- why won't Chase do the same to make their customers whole? 

Thank you for your help! 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received an alert notification from XXXX XXXX XXXX XXXX XXXX advising me that my social security number was detected on the dark web on XX/XX/XXXX. I followed the instructions provided and notified the following organizations : Local police, and social security. On XX/XX/XXXX XXXX XXXX Representative XXXX placed a fraud alert with all XXXX credit bureaus XXXX XXXX XXXX, XXXX and Experian ). 
On or about XX/XX/XXXX I received notification from Experian providing their contact XXXX and advising me that they placed an Initial security to my credit file. I was advised me that if I correspond with them, I must include my name. social security number and government Issued ID such as my drivers license. 
On XX/XX/XXXX I attempted to open a credit card at the local XXXX store and was advised that they were not able to complete the pre-qualification process, and that I would receive a notice in the nail with further instructions. 
On or about approximately XX/XX/XXXX I received a letter from XXXX XXXX XXXXnk advising me that my request for a XXXX card was declined based on their inability to verify my previous credit experience. 
On XX/XX/XXXX, I spoke with XXXX of XXXX XXXX and he was able to view my score with Experian and reported it as XXXX as of that date. 
I have made several attempts ( XX/XX/XXXX, XXXX phone attempts XXXX XXXX attempts XX/XX/XXXX XXXX attempts XX/XX/XXXX XXXX attempts ) to contact Experian via phone and can not make contact with a service representative. 
I will not place my social security number and photo ID in correspondence with them as that is contrary to what the local police, and social security representative advises me when I contacted them. Therefore, I would like a direct number and r email address for a representative from Experian that I can communicate with. 
I would also like my application for XXXX to be approved. 
Does the freeze and or alert placed on my accounts prevent certain Vendors for viewing my XXXX XXXX? If so, what can be done to have them review it and keep my fraud alert active?
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern : Please validate the alleged debt referenced by the following account number : XXXX your company stated that a total balance was owed in the amount of {$7900.00}. 

If Preferred Lease still claims this debt is valid, correct, and accurate, please provide the following specific verification of records : 1. A copy of original contract with a signed application dated with my signature.

2. Proof that your company offered me some form of consideration ( i.e. loan, service, or good ) and proof that I accepted your companys offer.

3. The specific identities of the real parties of interest 4. A sworn affidavit of verification from a company employee or a custodian of records affirming that they have personal knowledge of this alleged account and that amount of $ amount is owed to Company Name.

5. A full ledger of accounting documentation.

6. Specific services and codes ( please include service codes ).

7. Please provide your Your State business license and articles of incorporation to do business in my state.

I hereby give Preferred Lease 15 business days to produce verification described herein this notice. If your company fails to produce the aforementioned documentation within the measure of this time outline above, then it will be assumed that the alleged debt is invalid and I am accountable for no more than XXXX dollars in regards to this alleged debt. Also please note, I will not accept anything less than a sworn affidavit under penalty of perjury by a custodian of record, employer by the allege creditor, affirming that the said alleged debt exceeds more than XXXX dollars. Please refrain from contacting me by phone or mail concerning this alleged debt until the aforementioned validation is satisfied. Failure to do so may result in me initiating a legal action and/or a filing an administrative complaint with the appropriated agencies including the Federal Trade Commission and the Consumer Protection Financial Bureau for furtheXXXX investigation. Thank you very much in advance for your prompt response. 

Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested credit limit increase on XX/XX/XXXX for my existing XXXX Citi Credit Card. 

On Citibank website there was a disclaimer, " It's easy to find out if you qualify for a credit limit increase. A credit bureau report will not be requested and you will receive an instant decision. '' I am including the screen print of their website for the reference. 

On XX/XX/XXXX, I received an alert from XXXX that, Citibank ran a credit inquiry on my credit report. I never authorize Citibank to run any credit inquiry, but it is reported on my credit report. Attaching that screen shot of XXXX page for reference. 

I dispute this inquiry with XXXX to remove unauthorized credit inquiry ( Dispute confirmation number : XXXX ) and they said, they can not do anything and asked me to contact Citibank directly. 

I contacted Citibank on XX/XX/XXXX and spoke with XXXX in customer service, She gave a reference number as XXXX. She said, she can escalate, but she wanted me to write a letter again to the bank. 

This is totally an unauthorized inquiry. Why should a common man like me need to chase behind the bank, when bank has done something illegal? 

There may be more people undergoing the similar issue without even knowing companies like Citibank run credit inquiry on their report without they authorizing. Common people suffer to fix their credit score for buying a house or getting a loan for their life. And here we are Victims due to business take advantage of common man. 

As per Fair Credit Reporting Act, When a creditor runs a credit check on an applicant without receiving authorization, they violated the Fair Credit Reporting Act. Congress enacted the FCRA in the XX/XX/XXXX to protect consumers from discrimination based on information in their credit profile. Each violation of the FCRA carries a penalty. 

I think these kind of misuse should be penalized and I would request CFPB to protect public.
Product: Credit reporting or other personal consumer reports

My mortgage company sold my mortgage to another mortgage company. Their action lowered my credit score through Experian now saying due to the time I have had my mortgage. I have never made a late payment, I always pay more than the minimum amount due and I did not ask for a change in companies. Why should I be penalized in any way just so a mortgage company wants to make more money? My mortgage has been sold 4 times in less than 12 years. I would guess because I have a very low interest rate. 
I will never be able to change this abusive practice as I am XXXX XXXX XXXX and will probably die before they continue to sell my mortgage keeping my score lower. I have no other debt.
Product: Debt collection

In XXXX, I paid my XXXX credit card debt in full and the credit card was canceled. I did not receive a letter for them trying to collect any debt for me. In XXXX, a debt collection reached out to me saying that I owed them money through my XXXX account. I no longer have the card, and they did not provide me account information. Comenity bank was the bank I paid my XXXX payment to, but XXXX  no longer uses them as their bank server. When I reached out to them, they said that the account no longer exists. I asked what I should do to have this proven, and they said reach out to the bank in which you made the payment through. At the time, I banked with XXXX  XXXX XXXX, but I longer have an account with them. I reached out to XXXX  XXXX XXXX, and they said they no longer had my account statements saved. I logged onto XXXX  XXXX  to check my credit score, and I see I have a derogatory mark on my credit. I need help with working this out so that I am not over paying, and so that this mark is taken off of my credit score.
Product: Credit reporting or other personal consumer reports

My credit report has charges and items on it that I did not incur. Reached out to dispute them but it made matters worse with more negative items. This is really hurting my financial life. XXXX and Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX 15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XX/XX/2023
Product: Credit card or prepaid card

My late husband ( XXXX XXXX XXXX ) applied for a credit card and according to the company listed me as co-applicant. I did not give permission for this. I do not believe this is true as I did not see my name on the account until XXXX told me he added me as an authorized signer and then I could see it listed on my online account. He was issued a card which only he used and he paid for it from his own account. He passed away XX/XX/2022 and the NFCU informed me that I must have been on the original application and they had me listed as co-applicant. They have no proof this is true but since they say so then I have to pay the account. In Tennessee a spouse is solely responsible for credit accounts opened in their own name so I do not believe I should be responsible for this balance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MN XXXX To Whom It May Concern ; The reason for this letter is to dispute an unauthorized inquiry on my credit report. 

Made by your company XXXX XXXX on XXXX. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX reporting beyond the time. Collection reporting beyond 5 year. No validation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.