23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have ask this company for the original contract with the digital or written signature I have ask this company for copies of all the statements showing purchase. They only provide me one statement. 

I received a letter from this company showing XXXX bank name but without the signature from the bank I have a different acct number from XXXX credit and a different open date. 
This company has another acct number, another open date. Something here doesnt make sense. I need more information. 

They also sent me a permanent hardship form I sent to them and they have not reply on this. I know they send this form to get information is antrapment They are wasting their time because Im a XXXX person receiving XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Acts prohibition on unfair acts or practice. I am requesting for these accounts to be deleted from my credit file. Under, 15 U.S.Code 1681b- Permissible purposes of ( a ) In general subject to section any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. I never gave any consumer reporting agency a written instruction to report anything on my credit report which violates my rights.15 USC 1681 E COMPLIANCE PROCEDURES ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. I submitted a correction on this concern on XXXX Please remove this Accounts XXXX XXXX XXXX account # XXXX.
Product: Debt collection

Started free trial with XXXX, canceled within 7 days and was notified by XXXX that Michigan does not do free trials that the had advertised. Canceled subscription. Then received bill from collectiok agency for over {$200.00} stating subscription fees due but subscription was canceled within 7 day period and never anywhere stated amount due was this much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received XXXX credit cards from Bank of America that I did not ask for in my old married name I have t used in 12 years. 
These XXXX credit card accounts also have now shown up on my credit report. 
I received the first cArd XX/XX/2022 second came 3 days later. I did not activate I want them removed and cancelled I contacted Bank of America and am getting circles and no communication. 
I have a freeze on my credit now Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Sunday, XX/XX/XXXX my identification and all of the contents of my wallet were destroyed in a car fire. Monday, XX/XX/XXXX, I went to the Regions Bank branch in XXXX XXXX XXXX where I received my replacement debit cards, made a deposit and a withdrawal using my temporary ID and answering identifying questions regarding my account and had no issues at all. 

Tuesday, XX/XX/XXXX, I went to the Regions Bank branch in XXXXXXXX XXXX XXXX XXXX XXXX. to make another withdrawal in the same amount as the day before. The teller, XXXX XXXX, told me that I was not allowed to do that without a photo ID. I explained to him that I had just done the same thing the day before at a different Regions Bank branch and offered to answer any identifying questions that he may have regarding my account. Additionally, I had my son text me a picture of my current passport showing my photo, name and current address. At which point he instant messaged the branch manager, XXXX XXXX and explained to her the situation. I asked XXXX to speak to the manager. He informed me that the manager responded that she was busy on a business meeting and did not have time to speak with me. I told XXXX that I was a XXXX-year customer ( I opened my first account in XXXXXXXX XXXX in XXXX ) of Regions Bank and no business meeting that XXXX XXXX was on was more important than her customer. Inevitably, I knocked on the manager 's door to get additional customer courtesy/professionalism from the branch manager. Without fully acknowledging the situation or show any empathy for my situation, she denied my request to withdraw my funds from my checking account. Furthermore, the entire time that I was in the bank her back was to the main lobby so she was unaware of what was going on in the branch. 

I left and returned with my burnt drivers license and passport. I spoke to XXXX again and explained to him that I too am in banking. I am the XXXX XXXX XXXX XXXXXXXX XXXX for a bank and presented him with my business card and educated XXXX on in a situation where a customer cant provide a photo ID how he should handle it. 

The branch manager 's lack of customer care, professionalism and general banking knowledge didnt warrant me interacting with her again. I explained to XXXX that I would be filing a formal complaint with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Trans Union a dispute regarding XXXX XXXX XXXX and the validity of this fraudulent item on my consumer report. Nothing has been done about this account that does not belong to me.
Product: Credit card or prepaid card

American Express is in violation of my federally protected consumer rights. They will deny it of course but I just had my credit limit reduced. For no reason other than my credit score. I feel discriminated against. I am a consumer with rights and they have violated them. I am being treated less favorably than other consumers due to my credit score. My credit score does not determine my creditworthiness. I have not missed a payment with American Express either. This was out of the blue and is detrimental to my way of life. They are affecting my well-being.
Product: Credit card or prepaid card

I am writing today in regards to my account with Capital one account # XXXX, the issue I would like to discuss is a late pay reported in XX/XX/XXXX and XX/XX/XXXXXX/XX/2020. I was unable to make the payment due to Covid. I did get this account paid and current as soon I was able to.
Product: Mortgage

I have a mortgage which I originally obtained in XXXX through the VA. I paid the mortgage through XXXX. It was taken over by XXXX XXXX XXXX. The transition was smooth. Last year my mortgage was sold to Carrington. This transition has been the worst I have ever had to endure not to mention demeaning and discriminatory. In the beginning Carrington sent me information about the transition. They sent me a bill with an increased mortgage payment of around {$60.00} or more. When I called them I was told they required three months of escrow in the escrow account and I had a choice to pay them upfront or monthly. Then they stopped sending me statements with the payment coupon. Originally I thought maybe the mail person had delivered it to the wrong address. I sent them a check to an address from a previous letter from them. After another month of not receiving a statement I called them, a phone call I hate to make because they are the rudest company I have ever encountered and the call ends in my anger and yelling. I called the company on XXXX XXXX, XXXX XXXX XXXX. I spoke to XXXX different people without any closure to this problem. The supervisor informed me that Carrington will not be sending me any statements because I have a bankruptcy filing. I informed her that the bankruptcy was filed XXXX yeas ago in XXXX and was discharged in XXXX and therefore should have no bearings now. She said that by law if a customer has ever filed bankruptcy they will more than likely do it again, so their accounts are flagged and Carrington does not send these customer any communications. So I asked her how I was supposed to pay my bill. I was again given choices- look on the website to see what I owe and mail it to an address I have on hand, pay by phone, or send them a letter requesting bills to be mailed to me. My bill was due on the first of the month. I told her I was trying to figure out what had happened to the bills and since it was n't paid by the first they were now going to charge me more interest for the extra days during the grace period and late fees if I had n't figured it out before the XXXX of the month. She said that was untrue, paying after the first does not incur more interest and no late fees are charged. I believe this is false information. I also believe a discriminatory practice is being practiced by this company in addition to priming a customer for fees by not sending them statements. I should not have to mail a request to receive statements. I asked her to send me a letter telling me about this law of no communication if you have ever filed a bankruptcy during your lifetime. She said she ca n't. I asked her to mail me an envelope with the address that I was to send this request to so that I would be sure it was reaching the correct place. She said they ca n't send me anything because of my bankruptcy even if it was 17 years ago. So each month they expect me to call or go on the website to see how much I should pay and if they have increased my mortgage for some other fee they want to charge me.
Product: Debt collection

American Express contacted my work after I had asked them not to call my work number as I am not allowed to receive those calls at work. They called the main line and then informed my assistant that they were AMEX looking for me. I had asked them already to remove my work number several months before that.
Product: Mortgage

I have contacted my mortgage company several times to inquire as to whether my summer tax bill was received. I receive notification that they received my inquiry, but never a response to my actual question. 
I contacted them most recently on XX/XX/20 and have yet to receive a response as to if they have received my tax bill as it is not reflecting the proper amount on my account and has not been paid yet.
Product: Student loan

I was on a income based deferment and when I received the information that it was time to renew I sent in my information again which I qualified for deferment automatically because I was receiving government assistance. A couple months go by and I receive a notice saying my account was delinquent I called them and explained the information was submitted online. They say that it was incomplete but it was not all I had to supply was my benefit letter and they made me resubmit it and reported me as 120 days late 3 times for each of my 11 loans. Even though the verification information was marked as received on their website prior to the due date. I have disputed this information several times with no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Experian and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Experian, XXXX, and XXXX do have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Credit reporting, credit repair services, or other personal consumer reports

, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items or information An other adverse Item of information. other than records or convictions of crimes which antedates the reoort ov more than seven vears.

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 XXXX person knows or has reasonable cause to believe that the information is inaccurate ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX I tried to log into my Experian app. The password I provided did not work when I tried to reset that password, I saw the Experian phone on file for my account is incorrect. So any retrieval efforts will send the password reset to the wrong number. This is not a number I have access to. Which makes me think my account/profile has been compromised. I have tried calling Experian for over an hour today and can not get past their automated phone to speak to an associate. I have also requested to reset my user id and password. Experian is supposed to email me those instructions per their website. They have not. I am locked out and have no way to access my credit profile with them. And no one available to assist me.
Product: Debt collection

on XX/XX/2022 I notify BARCLAYS BANK DELAWARE of my intent to enforce my rescission rights. And I am demanding a refund of all funds and property paid, as well as taking any required and appropriate steps to reflect the termination of the consumer credit transactions securities interest. XXXX has not replied at all.
Product: Bank account or service

I was banking with wellsfargo for years. I would withdraw money from my account because I thought I had money there and if I did n't they were still giving me the money and charging me outrageous fee 's. I had online banking but i did n't always check the account because i have been XXXX in and out of the hospital.
Product: Credit card or prepaid card

CITIBANK AA Credit Card XXXX 2017 Statement I did a balance transfer approx XXXX XXXX with zero interest early this year. while paying it off monthly with more than minimum payment requirement, I have not made any new purchases. 

When the annual membership fee came in ( {$95.00} ), it was treated as a purchase, and so I was charged interest. 

I called a representative when it first happened and that interest was credited ( XXXX XXXX ) the following month, they charged me again with interest membership fees should not be treated as purchase
Product: Payday loan

Everytime they debited my bank account it was for more money than they were to get.
Product: Debt collection

I received a summons ( CIVIL ) from Guglielmo & Associates, XXXX on XX/XX/XXXX at my residence indicating ( attorneys for plaintiff- XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX is showing this account as XXXX XXXX XXXX XXXX 
This lawsuit is asking for a judgement thru the courts on a charged off account by XXXXXXXX XXXX Also indicating they are representing them. 
Guglielmo & Associates XXXX XXXX XXXX XXXX 
I have no vehicle and no money and am on SSXXXX. I can't respond to this lawsuit or file a answer. 
It indicates that if I fail to respond a default judgement will be entered against Me on an account the XXXX CLOSED AND CHARGED OFF.
Product: Credit card or prepaid card

I have contacted XXXX 's XXXX several times regarding my fraud claim. For account XXXX. 
After I reported the charges they issued a new account number which is above. 
They said after called to check the status of the claim that it was denied because I had not return the form back. I submitted the fraud claim to them twice. 

Now there is fraud charges of XXXX in the account which I also reported late payments on the credit reports which adversely affecting my credit.
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting Act Capital One 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 : A consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I paid my Comenity Mastercard BJ 's bill on XX/XX/26 over the phone for the amount due and the payment has still not posted to my account. I keep calling the number on the card and just get a recording that says their system is down. I do not want this negativity impacting my credit score because I have worked so hard to get to an excellent credit score. I also noticed that this same credit card charged me a {$30.00} late fee for my last payment when it was received on the day due. I also tried accessing the website and get a banner across the top stating their system is down due to a system upgrade.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB appeared on my credit report and I didnt apply for a credit card or airlines credit card in XXXX. I have a XXXX XXXX credit card.
Product: Money transfer, virtual currency, or money service

Compliant is with cash app they closed my account XXXX I kept asking for proof and or evidence they didn't provide I entered cash app through an contract through email and cash app customer service never provided information within reasonable time of the contract I requested proof I also asked for money in this contract as well if they didn't respond in reasonable time
Product: Credit reporting or other personal consumer reports

I recently checked my credit report from Medical Business Bureau and the account listed below show Medical Business Bureau as the creditor. 

This company is NOT the creditor, I never contracted with them, and I sent certified letters to them and also XXXX XXXX XXXX XXXX XXXX XXXX to immediately correct my report and remove this account. Despite my previous disputes regarding the validity of this debt, this company has engaged in deceptive practices by tricking me into making a payment. The Fair Debt Collection Practices Act ( FDCPA ) and the Illinois Consumer Fraud and Deceptive Business Practices Act are to be enforced here. I sent them a certified mail on XXXX
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 consists of late payments on my credit report on Account : XXXXXXXX XXXX XXXX XXXXXXXX verified as approved for severe medical issues. Also credit card accounts opened : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$12000.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} XXXX. XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.