23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Discover 's mistake in closing credit card accounts is costing me lots of money. In the 3rd Qu arter o f XX/XX/XXXXI called Discover Corporate card services to cancel a corporate card account because my company was being pu rchased. The corporate account had two cards associated with it. One card in my name and one card in the name an employee. My card ended with the numbers XXXX and XXXXXXXX XXXX card ended with the numbers of XXXX. The XXXX card was primary. 

After my phone call with them I confirmed that my card was no longer active and told the employee with the other card that the account was cancelled. She told me she did n't have the card with her but she would destroy it. She was a long-time employee so I had no reason to suspect she would n't do what she said she was going to do.
The company was sold in XX/XX/XXXX and the EIN was cancelled. I worked for the new owners for a while but left for another job in XX/XX/XXXX.
In XX/XX/XXXX I began receiving collection calls from Discover card services. Charges were made on the card with the employee 's name on it on XX/XX/XXXX for {$860.00} and on XX/XX/XXXX for {$450.00}. This was more than a year after I thought I had cancelled the account and a year after the company went out of existence.
I reported it as fraud to Discover. They said it was n't fraud because I had authorized the employee as a user on the account. I reminded them that I had called and cancelled the account and they said I had only cancelled my card ; the primary, and that the other card had remained active. Someone reviewed the recordings and confirmed that I had called to cancel but since the other secondary card remained active once charges were made it reactivated the primary card and thus made me liable for the charges.
I tracked down the former employee and she admitted to making the purchases knowing that the card was n't supposed to be active because she helped me close the company whose name was on the card. She made payments on and off for about a year and she has been recorded several times on the phone with me to Discover acknowledging her liability. The payment made came out of her bank account. She is recorded asking Discover to transfer the liability to her in order to get me out of the liable position. The former employee has now " disappeared ''.
I have put in another Fraud claim with Discover.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unable to dispute these new claims online with  XXXX . I was not allowed access using my credit report number. I did not request any personal statement. The personal statement " FILE FROZEN DUE TO STATE LEGISLATION. '' I want removed.     I want the  XXXX    XXXX   account that was closed in  XXXX  removed as well as the negative statment " This item was updated from our processing your dispute in  XXXX   XXXX .     I want the  XXXX   XXXX   XXXX  statment in the comment section removed : '' Account previously in dispute-investigation compelte, reported by data furnisher. '' These claims paint me in a negative light when I work very hard to keep my credit information pristine and accurate. Why does  XXXX  make it difficult or impossible to dispute and access my credit report online using a free credit report?
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested to have all unauthorized inquiries removed. To date they still remain on my report
Product: Student loan

In XX/XX/XXXX my XXXX loan servicing was transferred from Conduent/ACS to XXXX XXXX XXXX. Payments sent to ACS after XX/XX/XXXX were supposed to be applied by ACS to  XXXX. I sent in my regular monthly payments ( timely ) on XX/XX/XXXX. I had not at that time received a notice from XXXX at that time to change servicers. THE XXXX FAQ site covering the change says that any payments received after XX/XX/XXXX would be applied by ACS to XXXX. As of today, XX/XX/XXXX I do not see that this has happened as I am getting past due notices from XXXX for a month 's worth of payments ( {$300.00} ), which I assume to be XXXX 's which were never sent by ACS to XXXX. 

This issue encompasses XXXX loans, whose monthly payments total the above {$300.00}. 

The XXXX # are : XXXX XXXX XXXX Thank you very much for any assistance you can provide.
Product: Debt collection

There is a collection on my report that is harming my credit. I have no knowledge of this collection or where this amount is from. This is not my debt. I would like to have this debt removed as a courtesy, due to the lack of proper documentation. Improper handling of this debt. Also this debt has been harming my credit and Im held accountable for a debt I did not create which in my case is not fair at all that I should have to suffer the impact of some else 's lack of knowledge or understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I've never given CAPITAL ONE my written consent to furnish any of my NON PUBLIC PERSONAL INFORMATION. It was never made known to me that I have the RIGHT by LAW to opt out of my information being reported/sold as made clear in 15 USC 1681 of the Fair Credit Reporting Act. 15 USC 1681 states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer. 
Please provide any documentation with my written consent allowing CAPITAL ONE to furnish my information or remove this all ILLEGALY SHARED information from my credit report and send me an updated report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 : {$360.00}.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing this account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site XXXX 

Please dispute this account. This was opened without my knowledge, authority or consent. 

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

I disputed derogatory accounts with all three credit bureaus on XX/XX/2018 XXXX deleted and corrected the situation with the derogatory collection accounts, ( Accounts : XXXX # XXXX, XXXX # XXXX ) with XXXX  and Equifax the two derogatory collection accounts have not been deleted, XXXX  or Equifax investigation method does not equally reflect XXXX investigations or results.
Product: Mortgage

I have a mortgage with Select Portfolio. It was sold on from XXXX XXXX six years ago. For the last five months, I have attempted to go online to pay my mortgage but every month I am instructed to reset my password. Every month I reset my password, but there are never ending problems which are taking days to fix and then I am charged a late fee, plus I am needing to take hours out of my business day to troubleshoot issues that I have not caused. I have asked the company for a better, more streamline process, but they have told me that this is the only way I can do it unless I want to give them the option of directly debiting my account ; which I will not do since the last time I did this with them, they would do multiple debits off my account, and take months to refund the overpayment back. 

I am a good customer, my mortgage is in good standing. I have an excellent credit reporting history, but every month Select Portfolio look for ways so that their clients can not pay timely and they can garner more fees. It is tantamount to extortion. 

The option of refinancing, my home is not good since the mortgage rate today is considerably higher than the rate I have with this company. I do not have a good solution and Select Portfolio are not looking for a way to make customer service in the best interest of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Summer of 2018 I was denied a mortgage loan due to a company named XXXX XXXX stating that I owed them a debt. In full disclosure I have used there service in the past and have paid them in full with no issues. I was surprised to see them multiple times and reached out to the company in person and via mail for validation of this debt. None has been provided. All three credit bureaus state that XXXX XXXX, XXXX, XXXX XXXX etc. Has provided them proof of this debt and even they have not provided me proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXXXXXX XXXX XXXX. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Payday loan, title loan, or personal loan

I applied for Covid-19 assistance with Prosper. They accepted my application and let me defer my payments for 3 months. 
Their representative turned off my auto-pay so the payment wouldn't be automatically withdrawn from my banking account. I understood the terms of the deferment and accepted them. 
1 week after the first deferred payment I recieved a call from their collections department telling me I was past due. 
Then I explained that they deferred my loan payments due to Covid-19 and they told me they would investigate and follow up with an  email. 
Today I recieved an email stating that I'm not eligible for covid assistance. ( 1 month after they told me I qualified for it ). 
I called up this evening to speak to a representative to figure out what was going on and they told my that Prosper no longer is offering Covid-19 assistance. Meanwhile at the top of their website and emails it shows they are offering help for people affected by it.
Product: Credit reporting

Items on my credit report that is old and charge off need to be remove from my credit report it is affecting my credit. Please have them removed from my credit report immediately. It becoming a serious problem to my credit.
Product: Debt collection

I was notified from the credit reporting agency that a medical bill is owed. I have sent several disputing this debt, that I have always had insurance to provide to any hospitals & the bill is not mines. Also, this is a party that is trying to collect a debt on confidential information concerning my health. I do not know how this company receive my information and may have violated HIPPA LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please refer to ID Theft report
Product: Credit card

I got charged {$130.00} for " Credit Balance Refund '' on XXXX XXXX 2015, of which I have no idea why I got charge for as I did not make any purchse last a few months. At the same time, I was sent a check for {$130.00} issued by the same credit card issuer, Department Stores National Bank. I called the card issuer at XXXX and they told me that I have to send the check back to them so that they can wipe off the balance of {$130.00}. ( By doing this, I have to spend some postage fee addition to the time I have to waste. ) Please help. Thank you.
Product: Money transfer, virtual currency, or money service

Cashapp closed my account when I did nothing wrong said I violated something when I tried to find out what they said I did could talk to them although they reported a number but it was just a bot agree I was scammed for some money of my app
Product: Credit reporting, credit repair services, or other personal consumer reports

Listen XXXX ... how many times do we have to continue to do this ... I have proven that I have been a victim of IDENTITY THEFT and have supplied all supporting documentation..so explain to me why this same account which was already deleted has found its way back onto my credit report! I have NEVER lived in XXXX, GEORGIA ... .I LIVE AT XXXX XXXX XXXX XXXX XXXX , GEORIGA XXXX and have been there for 5 years, and prior to that I was at XXXX XXXX XXXX , XXXX Georgia XXXX ... PLEASE ... .PLEASE ... PLEASE REMOVE THIS ACCOUNT IMMEDIATELY AND PERMANENTLY! 

XXXX XXXX XXXX # XXXX {$2000.00} THIS ACCOUNT IS FRAUDULENT, IT IS NOT MINE, IT DOES NOT BELONG TO ME, AND IT IS KILLING MY CREDIT RATING.
Product: Credit reporting or other personal consumer reports

These accounts do not belong to me. 
XXXX  XXXX account XXXX amount {$5800.00} XXXX XXXXXXXX account XXXX amount {$1500.00} XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX {$2600.00} i sent them certified mail several times to address this matter and no response at all i have proof that i sent and they received because they signed for it. they are trying to collect the wrong thing they dont have the right to collect on this account. i never signed anything with this company. i even sent it to experian, XXXX and XXXX and nothing was sent to me to validate this debt or any of the above according to the law 15 us code 1681 procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifes the agency directly or indirectly through reseller of such disput the agency shall free of charge conduct a reasonablie reinvestigation to determine whether the disputed information is inacurrate and record the current status of the disputed information or delete the item from the file in accordance with paragraph 5 before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Balance : $ {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$50.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There were multiple purchases not made by me and I had to get a new bank account due to the fraud and Affirm is still negatively reporting on my credit report
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction with the handling of my lease agreement with BMW, which commenced on XX/XX/year>. Since the initiation of this agreement, I have encountered numerous challenges, primarily stemming from a lack of communication and administrative oversight on BMW 's part. 

Upon receiving the vehicle and associated documents to sign, I was surprised to find that no contract or any official account document was provided, aside from the plates arriving out of the ordinary timeframe which resulted in significant inconveniences such as late fees and violations due to the expiration of temporary plates during this period, even the extension sticker for the inspection was well out of the grace period. 

Despite my persistent attempts to rectify this issue by contacting BMW on multiple occasions, I have been met with inconsistent responses and instructions that have failed to address the root cause of the problem. Ive adhered to every instruction provided by BMW, the late fees were eventually waived, but the adverse impact of the late payment on my credit report remains unresolved. 

It is imperative to emphasize that this situation is not a reflection of my creditworthiness, but rather a consequence of BMW 's complete lack of communication and support throughout this process. I have diligently fulfilled my financial obligations by paying my balance in full and have implored BMW to acknowledge the extenuating circumstances surrounding this matter. 

Therefore, I am formally requesting a thorough investigation into the attempts I have made to uphold my commitment to this lease agreement, despite being left in the dark due to BMW 's negligence. I trust that a comprehensive review of the account history and notations will substantiate my claims and highlight the persistent efforts I have made to mitigate the consequences of BMW 's shortcomings. 

I urge you to address this matter with the utmost urgency and diligence to ensure a fair resolution that accurately reflects my creditworthiness and commitment as a customer. Your prompt attention to this issue is greatly appreciated.
Product: Debt collection

XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Financed Services with XXXX XXXX/XXXX XXXX  {$2000.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Received a Collection Letter- {$800.00} ON XX/XX/XXXX Access Capital Services , Inc . 
XXXX XXXX XXXX XXXX, CA XXXX ACCT # XXXX XXXX Unsatisfied/Negligent Services Over Charges and Up-Scaling Services that were Not Needed Performed on XX/XX/XXXX. I Paid an Additional {$1000.00} and Still Pending to Get Correction on XXXX  that when I walked into his Office I Just Needed a XXXX XXXX was told a XXXX  would Better Suite me, he however did not Perform Services Correctly Leaving me with Lots of XXXX. I Financed Services, Never Received a Call Back Regarding Complaints, I Visited other XXXX  and After begging I got some of the Work Corrected and Still Pending More Corrections due to the Negligence of this Dr. A Simple Adjustment for Example on XXXX # XXXX I would wake up in the Morning with Lots of XXXX just needed to adjusted, XXXX  # XXXX still has an Open Contact was not XXXX correctly, XXXX  # XXXX a XXXX  was placed and was falling apart I had to go get it Redone cost me an Extra {$500.00}. the XXXX  on XXXX  # XXXX had to removed and Caused me to get a XXXX  for the XXXX XXXX   once his work was Removed an I Felt an Instant Relieve Another {$500.00} I have Spent {$1000.00}, per My Insurance XXXX XXXX XXXX I was Over Charged {$2300.00} ; My Responsibility to them was {$460.00} I Never Received a Corrected Bill I Did have to take time from work and look for other Dentist that would take me as a Patient to Correct the Work I do believe I'm Owed a Refund in the Amount of {$590.00} ( {$1000.00} out of pocket for Revised/Correction of XXXX XXXX Work - {$460.00} ) now Im getting almost after 2 years a Bill from a Collection Agency-Access Capital Services , Inc. that has Called me Multiple times till I had to tell them I was Going to Seek advise from an Attorney they Stopped Calling me they Called Me on Friday XX/XX/XXXX & XX/XX/XXXX I had to tell them to Stop I also Sent them Proof of my Insurance and Letters to them Demanding a Refund for the Unsatisfied/Negligent Services from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The company SYNCB/XXXX  is reporting a hard inquiry on my credit report without my knowledge or consent. I have not done any business with this company it is no reason they should be sharing my personal information. They inquired on XX/XX/XXXX and set it to continue until XX/XX/XXXX. XXXX is in violation of 15 USC 1681b- Permissible purposes of consumer reports. This code states a consumer reporting agency may furnish a report only under these circumstances. 1. In accordance with the written instructions of the consumer in whom the report relates. 2.They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act
Product: Money transfer, virtual currency, or money service

I was paying for a service I thought was legitimate. Because I didnt have all of the funds up front, I was paying it out in a payment plan. I didnt receive the service as it turned out to be a scam and I lost the {$1700.00} transactions I had made with chime. I filed a complaint of fraud/scam. I received an email receipt from chime saying they didnt see anything inappropriate with the transactions. I never received what I paid for and the merchant is no longer responding to me. That is fraud and I was scammed.