23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX XXXX {$850.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit card or prepaid card

10 years ago I had signed up for a protection plan which appears as " XXXX '' on my bill. I was under the impression based on the documentation that Best Buy provided that the protection plan was specifically for THAT purchase, and I come to find out in the course of calling about a random {$35.00} charge on my account ( years later ) that it was for ALL purchases and it's be on-going since 2011. 

I asked if BestBuy is required to re-verify the enrollment in protection plan annually or report the annual total charges for the protection plan, and they said no. I asked can I please have a refund for services I never used? They said no. I did ask for them to refund the most recent charge, which I think they will. But I have no way to know how much they have charged me over 10 years, so here I am. 

I guess this boils down to, I feel like they misrepresented the protection plan. I thought it was for one purchase 10 years ago, and they've been charging me for it for 10 years on any month I carried a balance ( promotional 0 % or not, it didn't matter ). I feel like the most I can get out of this is reporting this practice to the CFPB so that it can be monitored and/or rectified through regulation... or I can inform folks of something they might want to check out on their own accounts, to see if they're being charged for a protection plan they forgot about or thought was specific to ONE purchase ( when it isn't ).
Product: Checking or savings account

I have a current dispute for an XXXX transaction on my checking account with Fnbo direct. The refund was reversed because they say they didn't have enough information. I called today with that information. Last week the XXXX I transferred money from my savings account with them to an external account. I paid an express fee of {$10.00} for next day service. The external bank shows these transactions. Fnbo direct reversed the deposit and placed a block on the savings account with the funds in it. They are denying any and all traces of the transfer. They have no right to take funds from a separate account that has nothing to do with what is going on in the checkng account. The other bank shows the details of the transfer while Fnbo direct erased theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX AL XXXX XXXX XXXX XX/XX/XXXX XXXX FCU-ALEXAND XX/XX/XXXX
Product: Debt collection

This letter is being sent to you in response to your recent fraudulent verification of an unknown medical account on my credit report. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt. Please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective 09/23/2013 interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued 11/30/2009 and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective July 1, 2010. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns. I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the XXXX and XXXX XXXX XXXX for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in violation of Florida medical privacy rules. I also hereby reserve my right to take private civil action against you to recover damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXand XX/XX/XXXXI receive an email that my best buy account was late and I called several times to ask the company about it because I am always on time with all my bills. They explain that I was not late and I stated checking my credit reports and a late fee showed after calling XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/2019 to  best buy they ask me to write to them about the problem and I did no one called me back to notify me about the income its going to be a year and this issue is not resolve
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have some hard inquires in my credit report that I didn't ask for, accounts that were closed on good standing that look open and some collections that are not looking accurate.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX  XXXX XXXX Balance : {$13000.00}.
Product: Credit card or prepaid card

In XX/XX/2018, my family and I relocated to XXXX for a new job. The policy of moving money out of XXXX is very stringent, and all money being transferred to another country has to be accounted for, and taxes paid. This process took roughly 3 months for all the paperwork to be filed and for me to be able to move my income back to the US. During XX/XX/XXXX - XX/XX/2018, I had some payments come due with American Express. When I requested either the payment be delayed or for American Express to offer some way for me to make payment directly from XXXX, they did not offer any solutions, and proceeded with reporting late payments during this time. This in turn decimated my credit score. I had an excellent history of payments and was sitting above a XXXX. After the American Express reporting, my score is now below XXXX. Since my situation in XXXX is now stable and money can consistently be transferred, I have not had any additional late payments. 
The unfortunate thing is American Express widely markets its product as a International/Travel Friendly card, but does not provide any ways of making payment from XXXX. If that option was available, I would not have had to wait until my paperwork was cleared to transfer money back to the US. I have not had this issue with my other cards from XXXX XXXX, XXXX, and XXXX. 
I have contact customer service on multiple occasions and no help or resolutions have been provided for this unique situation. This was not a situation of not having funds to make payments on time, but rather not having the options to make payment directly from a foreign bank account.
Product: Credit card

2 year argument with Sams Club/Synchrony credit I paid them in full back in APR XXXX 
Filed complaint in XX/XX/XXXX with CFPB Sams Club reduced amount owed from {$20000.00} to {$10000.00} Still incorrect. THey have noted delinquent remarks on my credit report which have prevented me from getting colege loans for my kids, home equity loans from XXXX XXXX and Auto loans from XXXX. 
Please help me get them to acknowledge their accounting was in error back in XXXX XXXX and they have been double billing me ever since. 
In the alternative, shouldn't they have to prove something in Court if they say I owe them money?
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00}
Product: Credit card or prepaid card

After months of dispute with BofA, today ( XX/XX/XXXX ) I received the company 's denial of my case, and for the first time ( despite repeated requests for months ), submitted to me the " documentation '' that " prove '' I incurred the charges. 

I live in XXXX, Oregon. ON XX/XX/XXXX, the date of the charges, I was working in XXXX, Oregon. 

According to the " documentation '' to support the charges to XXXX, I was also in XXXX, NY and XXXX Washington on XX/XX/XXXX, within hours of each other. As those locations are 2,800 miles apart, and the charges shown are close in time, it would have been virtually impossible for me to be in both of those places on that date. I am unclear of whether you actually require the bank to LOOK at the charges, and see if they are consistent or not, but that clearly did not happen here.
Product: Credit reporting or other personal consumer reports

I filled this consumer complaint to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of 2 personal credit card accounts opened at XXXX XXXX XXXX on XXXX XXXX under the account number XXXX and the other personal card account opened aXXXX XXXX XXXX XXXX  on XXXX XXXX under account number XXXX, and XXXX personal loan account opened at XXXX on XX/XX/XXXX under account number XXXX and the other personal loan account opened at XXXX  on XX/XX/XXXX under the account number XXXX a collections account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$1300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX These accounts along with the collection account listed appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collection are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collection are the result of identity theft and fraud.
Product: Debt collection

National Commercial Services FAX # ( XXXX ) XXXX Re : account # XXXX Attention to DISPUTE DEPARTMENT Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name This debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify any company associate with this account and tell them the debt is the result of identity theft. 
I have enclosed a copy of the Federal Trade Commission 's Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform any company associate with this account National Commercial Services that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX XXXX D.O.B : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX SS # XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax I see that you verified the account listed below : XXXXXXXX XXXX : Account number : XXXX, Not correct. High credit limit needs to have the correct limit. 

XXXX XXXXXXXX : Account number : XXXX, Not correct. High credit limit needs to have the correct limit. 

XXXX XXXX XXXX  Account number : XXXX, Not correct. High credit limit needs to have the correct limit. 

XXXX | XX/XX/XXXX : Account number : N/A, Not correct. High credit limit needs to have the correct limit. 

XXXX  | XX/XX/XXXX : Account number : N/A, Not correct. High credit limit needs to have the correct limit. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. XXXX just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Mortgage

AGAIN, I am complaining about OCWEN. They STILL HAVE NOT UPDATED MY XXXX OR XXXX to reflect that I paid as agreed, they updated XXXX because I filed an XXXX dispute TWICE!! I also Sent XXXX Proof of Paid in FULL on my mortgage and It is STILL NOT Updated that the mortgage was Paid in full!!!!!! They got the money XXXX/XXXX/16 ... Over 30 days ago! I also requested an audit of my payments since I was forced to send the XXXX EXTRA at closing for escrow, No DETAIL What that is for! I paid 2016 portion of Prop taxes AT closing, I PAY home owners insurance Out of Pocket ( Renewed XXXX XXXX, so it should NOT be for that ) Where is THAT Money?? What is it for?? I paid over {$2000.00} EXTRA in XXXX AND in XXXX And extra in XXXX ... .WHERE IS MY MONEY?? WHERE IS MY INFORMATION??? They FORCED me to sell with FALSE foreclosure warnings and Mis application of funds ... .I WANT ANSWERS!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Experian has ignored my request to see an updated credit report since XX/XX/2022 while still charging my credit card for their premium service to view all XXXX credit reports however have not been able to see in over 2 months my phone calls were in vain as repeatedly told me try back in 24 hours after numerous calls and now past 60 days later still no access or reason as to why. I am not able to see a current credit report leading me to cancel the premium service from Experian once I notice no progress is being made. 

I have tried every method to get the credit bureaus to view my credit and correct accounts that might be unlawful reporting of incorrect information on my credit report is very harming and stressful please resolve this issue as soon as possible. 

Thank you
Product: Credit card or prepaid card

Hello - my unused Visa had a value of XXXX dollars. It is expired. I contacted company phone # XXXX and requested a refund. The representative XXXX XXXX It's expired, and the card lost the {$50.00} value. I told XXXX I had not used the card. Will you send a refund? He said the card was used but did not know where. Will you help with the refund? 
Visa Card # XXXX XXXX XXXX XXXX Thank you XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/2021 I began having problems with Discover Home Loans, until then payments were always made in a timely manner. In late XXXX I was asked to send proof of flood insurance, which I did. However, a forced insurance policy was placed on my loan and the payment went from {$440.00} to {$1300.00}, due to an escrow account that was added. After numerous phone calls with Collections, Insurance Department and Customer Service nothing has been done, after I have been reassured time again that the matter was going to be fixed by XXXX. I keep receiving calls from Collections on practically a daily basis, the last agent told me that I may be at risk of my property being foreclosed. This is preposterous, I have told them time and again that I am willing to pay the monthly payment that was agreed on at loan inception, the company will not allow me to pay anything but the {$1000.00} online or with a collections representative. 

I am at my wits end and I need resolutions with this issue, they are at fault, I have given them what they asked for and they have force placed insurance coverage causing this issue.
Product: Credit card or prepaid card

Chase bank approved and issued me a XXXX XXXX credit card that I received on XX/XX/18. Less than 2 weeks later on XX/XX/18, they unexpectedly cancelled that card and another chase IHG reward card without even notifying me. 

They claimed that they reviewed my credit report and thought I now had too many credit cards to have this card. I suspect they did not want to offer the XXXX point bonus any longer as my credit had not changed since my original application. 

Really perplexed but just doesn't seem like they cancelled my cards for any legitimate reason.
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. 

XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days 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 Equifax data breach and may have got into the hands of thewrongperson.|
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting

My complaint ; Equifax and XXXX is being negligent and their investigation is taking to long that I requested both of them to do over 2 months ago. XXXX did their investigation with in the first 30 days and removed all the improper information on my credit report which is perfect with that credit reporting agency.