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

I contacted Target Target/td XXXX XXXX, SD XXXX ( XXXX ) XXXX On X/XX/2017, and reported fraud to Target regarding a hard inquiry made by someone who stole my identity. They noted the fraud and confirmed it but have still not removed the hard inquiry from my credit as required by law and even though they, nearly a month ago, confirmed it was fraud. It is adversely impacting my credit.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a reporting error related to my credit file formally. Specifically, I believe your company has failed to comply with the Fair Credit Reporting Act ( FCRA ), resulting in a violation under 15 USC 1681 ( o ), which provides for civil liability for negligent noncompliance.
Product: Credit reporting or other personal consumer reports

I have a collections under XXXX XXXX XXXX account XXXX for the amount of {$250.00}. According to 15-USC-6505 as a federally protected consumer I have the right to opt out and I am asserting my rights through this complaint to CFPB
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 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency i
f the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act : XXXX account XXXX XXXX {$560.00}, XXXX XXXX XXXX account XXXX XXXX {$1700.00}, XXXX. XXXX XXXX Account # XXXX {$60.00}, XXXX XXXX XXXX XXXX account # XXXX {$130.00}, Has violated my rights. 

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 a account without my written instructions
Product: Debt collection

I had a XXXX visit in XX/XX/XXXX and believed that all bills were paid. I moved in early XX/XX/XXXX and had a forwarding order to transfer my mail to XXXX. I kept my same phone number as I had in XXXX. In XX/XX/XXXX a collection was placed on my credit report. I had no knowledge that any balance was due. I did not receive any notices or phone calls! On XX/XX/XXXX, I ran my credit report and found this notice. I called the collection company today and they told me that they do n't have to call me. I informed them that I moved in early XX/XX/XXXX.
Product: Checking or savings account

I am a XXXX XXXX XXXXXXXXXXXX XXXX Veteran. Under federal law my income is exempt from garnishment. A collection agency received a writ of garnishment and Bank of America garnished the funds from all of my accounts with their bank. I am left with a XXXX balance on each of my four accounts. One of my accounts is shared and therefore, is not able to be garnished. 
All the sources of deposits into my Bank of America accounts are from the Veterans Administration with the exception of funds from my insurance company to do repairs on my property. 
I am now left with no money in my accounts.
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 XXXX # XXXX Account Name : XXXX XXXX  XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX  # XXXX Account Name : XXXX XXXX XXXX  XXXX # XXXX Account XXXX XXXX XXXX XXXX  XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX : # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Has violated my rights. 

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 a account without my written instructions 15 U.S.C 1681 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 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: Payday loan, title loan, or personal loan

Possible Finance denied my credit application because I receive unemployment. I feel like there is a ECOA violation. After the denial, Possible Finance sent solicitation emails with their company logo in the email.
Product: Money transfer, virtual currency, or money service

Someone was able to gain access to my Western Union online account and they tried to send money to an individual by the name of XXXX XXXX  XXXX XXXX XXXX XXXX. I received an email notifying me of the transactions being made and went ahead and cancelled the transactions and notified my Bank of the fraudulent activity and removed my payment information from my Western Union account. I tried changing the password and was unsuccessful, so I contacted Western Union via a chat session. While, I was online resetting my password the Hacker was able to regain access to my account and add additional debit cards that were not mine and tried to send more money via my account. I was not able to cancel one of the transactions so I informed the chat agent of the situation and he was able to suspend the transaction, since I reported it as fraud. I was then advised to contact Western Unions fraud department and they were able to further assist me with canceling the transaction and deactivating my account. While on the phone with the fraud department the hacker once again tried to make another transaction, and I was able to cancel it. I reported this to the agent and she was able to flag it as fraud. While on the phone with Western Unions fraud department the hacker tried to call me and perform a vishing attack, the person called me from the following number : XXXX. I reported it as spam online and with my carrier.
Product: Mortgage

In XXXX of XXXX my wife and I signed up for a home equity line of credit which was serviced through Specialized Loan Services ( SLS ) in the amount of {XXXX}. 

We failed to make payments on the note, and subsequently a lien was placed on our home. 

SLS now says we owe the principal balance of XXXX XXXX XXXX XXXX XXXX in interest. 

Our issue is not with paying what is owed - we are planning to sell the home this year, but the interest amount exceeds Washington State 's statute of limitations which states that interest can not accrue indefinitely beyond the six year mark. 

For the last two years we have directly attempted to communicate this and had two different attorney 's attempt to get SLS to adjust the amount of the lien to the amount that would haver been due at the six year mark but have been denied, most recently claiming that they need to assess the amount of equity on the first mortgage ( which is current ) before they would consider anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Last reported XXXX XXXX, XXXX {$310.00} XXXX Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX DEPT OF ED/XXXX Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX has violated my rights. 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

i have several inquires on my credit report that should not be there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX sends letters that there are no such items on my credit report when it is. Please see below. 

I have notified XXXX continuously about " Identity Theft '' on my Credit Report. When I attempt to contact the Fraud department to have the matter resolved, they tell me they can't see the information and after 15 days I receive more dispute information from XXXX & creditors stating the information on my report is accurate when it is not. The fraudulent items are : Fair Collections & Outsourcing {$1100.00} and Fair Collections & O {$650.00} XXXX submitted legal documents from XXXX XXXX XXXX XXXX on XX/XX/XXXX & XXXXXXXX XXXX XXXX  XXXX Items required by law : filed XXXX FTC Affidavit XXXX I submitted all the documentation required by law on the federal, state, and local levels with FTC Affidavit above to XXXX on XX/XX/XXXX, via postal service XXXX XXXX XXXXXXXX -- item number XXXX Tracking number - XXXX signed by XXXX XXXX Domestic Return Receipt. I saw more debt was not removed after the XX/XX/XXXX submission and updated a new FTC report on XX/XX/XXXX FTC Affidavit XXXX which was faxed to the number the XXXX Fraud Specialist suggested- number XXXX XXXX pages at the UPS store I federally awarded the settlement of my claim of fraudulent information on my credit report from the XXXX Data Breach on XX/XX/XXXX I faxed the award letter ( XXXX Data Breach ) and Affidavits, Also, a notice of identity personally notarized, a police report, a bank statement as proof of address, my driver 's license, and social security number. Please remove the items : Fair Collection & Outsourcing and the apartment complex. '' XXXX XXXX XXXX ''.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency NamXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX  : XXXX : {$0.00} Date of Account : XX/XX/year>
Product: Debt collection

As a federally protected Consumer, I am here to contest any purported accusations you are now reporting on my credit report. 
In accordance with Section 809 ( 8 ) of the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, the Consumer requests verification from you ( FDCPA ). 
Additionally, the aforementioned customer REQUIRES the following : CREDITORS DISCOUNT & A ( Original Creditor : XXXX XXXX - XXXX XXXX ) XXXX
Product: Credit card

I've been calling US Bank for two months. Because this company unilaterally blocked my card, and no one is there to solve the problem. Even if I tell my supervisor that I want to talk to them, they won't change it. I called this company. If you say that the person who received the call will unconditionally transfer the call to another department, saying that it is not your responsibility, automatic voice and music will come out of the speaker... I have never paid my US Bank card fee late... I want to open this card... two months While employees work together I put it off and don't answer the phone. Is the US Bank card company operating in the United States? It's so unfriendly and it's been 3 months since I called this company. I really want to know. Is there any way to put this company at a disadvantage?
Product: Student loan

In 1998 I took out a Parent loan with lender Sallie Mae. Sallie Mae consolidated my loan and sold it to Navient. My loan went from {$190000.00} to {$38000.00} ( including payments made over the years. I am now a senior citizen turning XXXX years old this year. They want me to sign a new agreement whereby my terms are to reduced to $ XXXX/month for the next 25 years. HOW CAN THAT BE OKAY WHEN THAT ADDITIONAL {$200.00} MAY BE THE DIFFERENCE IN KEEPING A ROOF OVER MY HEAD, BUYING FOOD OR PAYING UTILITY BILL IF I LIVE THAT LONG. Is this legal to double my original loan to have me pay forever? I NEED HELP PLEASE. My husband has survived XXXX and monthly medicine is still needed to sustain his life ( he had XXXX XXXX ). I am XXXX  and have XXXX and monthly XXXX and other meds total {$180.00} monthly. We still owe on our home and are living just with essential daily needs due to all the medical bills and life. I don't understand how a loan that started as government Parent Loan can be sold and double. This type of practice can wipe a regular person out.
Product: Debt collection

There are several accounts reporting through this company which are unknown, I have no records of and never have been contacted. Please assist Commonwealth Fin {$910.00} Commonwealth Fin {$920.00} Commonwealth Fin {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX, 2020, I received 4 identical letters from SageStream dated XX/XX/XXXX where they stated that they " received ( my ) correspondence in which I request to opt-in to received  prescreened offers of credit and insurance. '' I never heard of them before, never contacted them to opt-in to anything, and certainly never opted-in to any offers as they describe. 

The letter goes on to state that I notified a consumer reporting agency that I believed I was a victim of identity theft. Several years ago I was notified that my information was in a security breach and I did place a credit freeze for a while, I have never notified anyone that I thought I was a victim of identity theft. 

I don't know what they are trying to do, but this feels like a scam. Therefore I am filing this complaint. 

I will be contacting them to opt-out of said program. 

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

XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX You are in Direct Violation of The Fair Gredit Reporting Act ( XXXX XXXX XXXX  XXXX XXXX ), 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 16668 : A creditor may not treat a payment on a credit card account under an open-and consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of savoral laws under The Fair Credit Reporting Act
Product: Vehicle loan or lease

I declared bankruptcy in XX/XX/XXXX and included my XXXX XXXX XXXX  from Credit Acceptance Corporation. Last year, I sent them a letter asking them to release the lien on the vehicle or come get it.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I rented a car from Dollar Car Rental in XXXX XXXX. I turned down the supplemental liability insurance offered to me at the counter in XXXX. After returning the car I found that they had billed me for the insurance anyway, in the amount of {$110.00}. After several unsuccessful attempts to resolve this with Dollar customer service, I disputed the charge with my credit card company ( XXXXXXXX XXXX ). On XX/XX/XXXX I received a letter from XXXXXXXX XXXX advising me that they had successfully resolved the disputed amount in my favor. They advised me that the amount of {$110.00} was permanently removed from my account/billing statement. Despite this, I continued to receive bills from Dollar in the amount of {$110.00}. I tried three times to explain this to Dollar customer service but was unsuccessful. I wrote a letter to Dollar ( actually XXXX XXXX who owns Dollar ) explaining the problem but never received a response. On XX/XX/XXXX I received a letter from Dollar suspending my rental privileges. On XX/XX/XXXX and again on XXXX/XXXX I received emails from XXXX XXXX, a debt collector, explaining that they were attempting to collect the {$110.00} on behalf of Dollar Car Rental. As requested I contacted XXXX and explained that the disputed amount had been resolved in my favor. They requested and I provided them the resolution letter from XXXX Bank. About the same time I filed a complaint against Dollar with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX contacted Dollar three times attempting to resolve the issue but could not and today ( XX/XX/XXXX ) XXXX  advised me they could no longer help and were closing the complaint. I have called XXXX twice in the last month requesting an update and they advised me that they too were having problems contacting Dollar to discuss. 
So, last XXXX someone at Dollar agreed with my CC company ( XXXX ) that a mistake was made and I was no longer responsible for the {$110.00}. Apparently someone at Dollar didnt pass the word to their billing department and now the issue is with a debt collection company. By the way, the remainder of the rental bill ( approx {$260.00} ) was paid in full to Dollar. They disputed amount was only for supplemental insurance coverage which was never used. Today, I no longer have rental privileges with Dollar, XXXX and XXXX car rental. More importantly I am concerned that my credit rating may be effected.
Product: Debt collection

OmegaRMS is reporting a collections account for {$3500.00} on my XXXX  report. I contacted them and they went over settlement options, I however wanted them to validate the debt before I made any payment to them cause I do not believe this was my debt. My wife and I are trying to buy a home and this is adversely affecting my credit. I have yet to receive any form of validation. Again, I am requesting debt validation in the form of a copy of the original application that includes my signature. Full payment history from the original creditor. The original agreement showing they can legally collect the debt. I will also need a copy of the purchase agreement. And finally, I am requesting a copy of your bond that shows you are legally registered in my state. It is unfortunate that debt collectors can do this. I am XXXX XXXX as well and they have no regard to those have served  our country.
Product: Credit card or prepaid card

A discover card account was opened in my name and the charges were disputed with the 3 credit bureaus. The fraudulent acct. was removed in approx. XX/XX/XXXX. Since then, on approx. XXXX a Discover card credit application email came to me. I called Discover and was told that it was fraud and that the inquiries would be removed from my credit report. Today on XX/XX/XXXX, I have received an email statement that says that I am approx 3 months past due on a Discover card account with a balance of approx. {$10.00}, XXXX. I do not have a Discover card and do not have the related acct. number. This is the first time that I have been contacted by Discover about this account. I have also noticed today that my credit scores have been hit for 30 days late on this Discover card acct. ( ending in XXXX ). I do not have the acct. number because I do not have a Discover credit card.
Product: Credit card or prepaid card

I have a XXXX XXXX card from Capital One, and they are not abiding by the card terms re the {$300.00} annual travel credit. 

One of the advertised " rewards '' associated with paying ( currently ) $ XXXX for this card is a {$300.00} *annual* travel credit that can only be used at Capital One Travel... In order to help cardholders keep track of this important annual benefit, Capital One has a tracker on the their website that tells you whether the annual credit is available, how much has been used and when the annual credit resets. 

During my first year, I received the credit after making a booking, although Capital One had some operational issues and made a bunch of credits/debits, which I reasonably assumed they managed to do properly. 

Following my first card anniversary, I checked the tracker ( see screenshot ) that indicated the full {$300.00} credit was available, and on that basis I booked travel ~ {$320.00} at Capital One Travel, which I would not have otherwise used but for the credit. After waiting ... and waiting ... and there being no credit, I called Capital One who told me to wait some more. Still no credit, so upon calling again they said they would investigate. 

Their investigation concluded that due to their mess-up with the credit/debits during the first year, Capital One would not honor the annual credit this year, notwithstanding their website telling me ( and continuing to tell me ) the full {$300.00} annual credit was ( and is ) available.