23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Discover Card started to garnish my low income wage by 25 % yesterday without prior notice in any way. They said I owe them XXXX from 2014 which I though that I had paid off. This way not discussed or explained to me in any way. I would be happy to make payment because this garnishment is causing me much harm. It is in dispute currently. They did not follow due process or take me to court or anything. They just starting garnishing my wages without any warning. They will probably say otherwise which is a lie. Can you help me please. XXXX XXXX XXXX. This is XXXX XXXX firm phone is XXXX located in XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, USBK COURT XXXX GEORGIA XXXX, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

XX/XX/XXXX, a payment of {$100.00} was made at Bank of America ATM ( XXXX XXXX XXXX, XXXX, TX XXXX ). Card was put in the terminal however they said that they could not give a receipt for the {$100.00} that was deposited to credit card. They said that the systems was not working properly and they are unable to provide a receipt. They said that she could wait 24 hours for the credit card payment of {$100.00} to appear. She waited 24 hours, and nothing, so she went back to the branch and asked for a receipt. They said that they could not pull it so they were going to open an investigation. Investigation said that the {$100.00} would be issued in XXXX of XXXX. Its now XXXX of XXXX, and the money is still not there. The bank are unable to help because they want a receipt and a receipt was never provided.
Product: Credit card or prepaid card

Discover arbitrarily reduced my credit limit without reason and without notifying me. This unfounded and malicious action not only reduced my available credit, it drastically increased my percentage of amount owed to amount available. 

This wrongful action has caused more than a 100-point drop in my credit scores and has result in the denial of credit. This is the case even though I have never missed a single payment on any of my credit accounts.
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX XXXX later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report it has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Account Information Request for Removal To Whom It May Concern, I am writing to formally dispute an incorrect account listed on my credit report. The account in question is : Creditor Name : Cavalry Portfolio Services Account Number : amount : {$6900.00} Issue : The account is inaccurately reported as " open '' with an " open balance, '' while it is also reported as " in collections '' and closed. Both statuses can not be true simultaneously, and this discrepancy is negatively affecting my credit report. 
Under the Fair Credit Reporting Act ( FCRA ), I request that this inaccurate account be investigated and either corrected or removed entirely from my credit report. Please find attached supporting documentation, including a copy of my credit report highlighting the disputed entry. 

I kindly request written confirmation of the results of your investigation within 30 days, as required by law. If the account can not be verified or corrected, I ask that it be deleted from my credit file. 

Please contact me at the phone number or email listed above if you require any additional information.
Product: Credit reporting or other personal consumer reports

My apple account was closed on the phone they said your account is closed which I never opened. My phone was stolen on XXXX XXXX  that day the robber opens an apple card account using my identity. My apple card account was closed but now they send me an email saying. 
to pay the money back.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. the fair reporting act. 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 Important dates Inquiry date XX/XX/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 XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX 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 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. i did not give written consent also these accounts are fraudulent these accounts where disputed years ago and the reporting agency still have not deleted these accounts listed this is a violation to my rights please delete asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for 8 months to get the 3 credit reporting agencies to delete the late/ non payments that are listed on 3 of my accts : XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX I agreed with 3rd party Freedom Debt Relief to pay off these 3 debts and they made many ( 10-12 ) late/non payments which now shows up on my Credit Report I paid off Freedom Debt Relief and all 3 of these accts HOWEVER these Late/non payments are on my Credit Report and hurting my credit score when I was NOT AT FAULT I need these deleted NOW I am trying to buy a house now and my scores will be much higher when these are removed All of this is well documented and URGENT that it be Corrected Thank YOU
Product: Debt collection

Hippa Violation, asked for validation and they send an itemize bill which is not validation, show prove like a contract between you and I, never heard of CMRE and never done business with them to owe them
Product: Credit reporting or other personal consumer reports

never informed me of my rights to exercise my nondisclosure option 15 USC 6802, also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to repeatedly, consistently, and willfully be negligent by violating my federally protected rights under the Trafficking Victims Protection Act ( TVPA ) /Regulation V, FCRA and FDCPA. On or about XX/XX/2023, I entered into Experian 's website, via the e-OSCAR system, the federally required documentation to evidence my victimization under TVPA/Regulation V. On or about XX/XX/2023, Experian sent an email denying my documents and request to have certain specific information deleted. I also resubmitted the documentation Experian requested even though that information was already submitted to Experian in the initial submission. Still Experian was willfully negligent by not complying with the federal law of TVPA and SUBJECTED ME to FURTHER VICTIMIZATION. Experian continues to subject me to further victimization by failing to follow federal law of TVPA and Regulation V in regard to my status determination of being a victim of human trafficking. I submitted a third complaint regarding this SAME ISSUE to CFPB ( Complaint # XXXX ) on XX/XX/2023. On XX/XX/2023, Experian BLATANTLY stated in THAT RESPONSE that they were NOT GOING TO HONOR MY REQUEST even though THEY ARE IN VIOLATION OF FEDERAL LAW because I " DID NOT SUBMIT A VALID DETERMINATION LETTER FROM AN XXXX... '' Experian HAS NO LEGAL BASIS NOR AUTHORITY TO MAKE DETERMINATIONS AS TO THE VALIDITY OF A VICTIM DETERMINATION LETTER. NOWHERE IN THE FEDERAL LAW was Experian nor any credit reporting agency and/or data broker, provided or granted the leeway, legal basis, and/or legal authority to usurp or maneuver the law to deny trafficking victims their rights by making their own determinations as to the " validity '' of their XXXX victim determination letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove the items that are 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. Please delete the following items : XXXX OXXXX 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 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 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 XXXX
Product: Debt collection

I

do not have a contract nor did I authorize this company to obtain my information, my rights to privacy was violated under the FDCPA & FCRA. 15 U.S. Code 1692c ( FDCPA ) prohibits debt collectors from communicating with third parties in connection with debt collection. " If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there.

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX 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

THIS ACCOUNT IS INCORRECTLY BEING REPORTED AS A CHARGE OFF ACCOUNT WITH A BALANCE DUE. PLEASE PROVIDE PROOF OF THE CHARGE OFF AND UPDATE THE BALANCE TO {$0.00} OR DELETE THE NEGATIVE PAYMENT STATUS ON THIS ACCOUNT. XXXX XXXX  NEED TO BE REMOVED ASAP! Also, according to the IRS A lender that cancels or forgives a debt of {$600.00} or more must send Form XXXX to the IRS and the borrower. When requesting information on this account I have NOT received XXXX XXXX XXXX from the creditor or a contract bearing my signature. This account is being reported as a charge off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. I have constantly month after month to provide me the original contract with signature, a copy of payment history, and proof of debt authorization this debt isn't validate I have yet to receive all of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00}, and XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$12000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a purchase of {$200.00} at Best Buy to take part in an offer from Citi merchant offers that I enrolled my Citi Simplicity card in. The offer was spend {$200.00} or more at Best Buy and earn {$50.00} and it expired on XX/XX/XXXX. I did not get automatically credit for it so I chatted with a Citi rep on XX/XX/XXXX and was assured that if it does not automatically credit by XXXX statement it would be manually credited by them. I've contacted citi multiple times afterwards through chat and through phone and in all attempts I was given the impression they had no idea what this off is and has ignored my attempt to send in a screenshot of that chat with the Citi rep I had to attempt to figure it out. Therefore I am attaching that screenshot as well as the screenshot of the offer and purchase so they can rightfully credit my account.
Product: Credit card or prepaid card

Ive had this credit card for 5yrs with a {$500.00} limit and have never been offered a credit line increase. I called customer service on XX/XX/19 to inquire about an increase. The rep told me I was eligible for an increase and proceeded to ask for my income. I advised that my monthly income was {$6600.00}. He then told me that unfortunately my debt to income ratio did not meet their guidelines. I find that hard to believe considering that my credit cards are paid off and Ive never been late on my car and mortgage payments. I called back to speak with a different rep who advised that I have more income going out than I have coming in. IMPOSSIBLE! Im sure the first rep must have entered my income incorrectly. The 2nd rep told me theres nothing she can do and that I would receive a letter in 5-10 business days. I have credit cards with {$3000.00} credit limits with no problem, but all this company can offer me is {$500.00}.
Product: Checking or savings account

On XX/XX/XXXX I received a text message alert warning me that someone was using my card unauthorized. They listed a number below for me to call. When I called the number they began a debit fraud dispute for me that included many charges that took place during this timeframe from the XX/XX/XXXX. After filing my dispute, the airline got caught doing some type of switch up that revealed 2 flights being purchased for me for the same flight. I then called back to report this as well. Most recent I contacted the cfpb about what the bank did to my automobile insurance. I reported an employee for threatening to cause a lapse in my ( supposedly canceled ) insurance because I told him I would file a lawsuit for the money they owed me. They owed me over 200 dollars but when I called to report what occurred they claimed they sent a check for XXXX. Which I have not received. Because I told the cfpb about Mr XXXX. The bank then reversed the credit they issued to me AFTER notifying me that someone was using my card. I am writing to get the credit given back to me and to end retaliation against me for informing the cfpb about their dishonesty.
Product: Mortgage

After refinancing my XXXX bedroom condo with US Bank, they sent me a request for proof of adequate insurance coverage. After sending my insurance documents ( via fax ), US Bank informed me my insurance coverage was inadequate and they were authorized to provide insurance for me. I told them I would contact my insurance carrier ( XXXX ) and increase my coverage to satisfy their demands. A XXXX way conversation was initiated and XXXX increased my coverage to satisfy their demands. Once all parties were satisfied with the increased coverage amount, I continued to make my monthly condo insurance payments to XXXX, however I recently recieved an itemized escrow statement from US Bank witch included an insurance payment for the exact amount I am presently paying XXXX bi-annually. I tried to explain to US Bank representatives that it was unnecessary for them to charge me for home-owners insurance since I pay for said insurance through XXXX and please refund my escrow payment. I was then told I signed specific documents during closing that allows them ( US Bank ) to provide me with adequate coverage and it was within their rights to do so. I tried to explain to them I satisfied the coverage through a third party insurer ( XXXX ). After being transferred to several different representative, I finally gave up my fight. Now I feel ; though I 'm not sure, I 'm paying twice for home-owners insurance. Once through my carrier ( XXXX ) and twice through ( US Bank ) escrow. Can you see my dilemma?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not verified the inaccuracy on my consumer report after several attempts at messages to have them correct the information. 

Initially, I sent them a letter, dated XX/XX/XXXX, verifying my identity and telling them my correct addresses and names. Soon thereafter, Equifax deleted old addresses and incorrect names from my consumer history. 

After searching through my Equifax consumer reports, I found a negative item that was not accurate, so I mailed two nearby courts to figure out which court had reported this information, and received two responses that indicated they did not send this information to Equifax. 

On XX/XX/XXXX, I sent Equifax a letter disputing the incorrect entry on my credit reports, named US BANKRUPTCY COURT-XX/XX/XXXX. 

In response, Equifax sent a letter, dated XX/XX/XXXX, indicating they could not find my data in their system, and they would need me to send additional identity verification documents with my dispute. However, Ive already sent the identifying documents with the XXXX letter, and Equifax made the subsequent changes to my file without any issues. 

On XX/XX/XXXX, I sent a response to Equifax indicating they were in violation of the FCRA guidelines, as they never response to my previous letter, and never made any correction or change to the disputed information on my consumer report. 

Equifax sent me another letter, dated XX/XX/XXXX, that they could not locate my consumer report, and still need additional verification documents. 

On XX/XX/XXXX, I sent another letter to Equifax demanding they remove the inaccurate information, since they never responded to my dispute, and it has now been over 60 days since this dispute was initiated. 

As of today XXXX XX/XX/XXXX XXXX, Equifax has not responded to my previous letter. In fact, Equifax has not responded to my dispute in almost three months. Equifax has violated numerous rules and ignore proper procedures by refusing to verify this inaccurate information. 

I have obtained multiple copies of my most recent Equifax consumer reports, and Equifax has not removed this inaccurate entry. Their illegal practices are very damaging to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding On XXXXThere have been fraudulent Inquires on my credit report. to this day over 60 days later I have not received a response yet. please remove the Inquires from my credit report They should be deleted before further action is taking I will file for litigation. Please resolve this matter I feel I'm impacted by the XXXX data breach and may have got into the hands of the wrong person.