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

I was shocked when I reviewed my credit report and found the late payment on the dates below : 30 days late as of XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries Needs to be removed do not have an account XXXX XXXX  via XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Late Payments Needs to be updated to OK or Paid as agreed XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to have fraudulent information erased from my XXXX  credit report without any luck and Im not able to dispute information on XXXX  website. 
Bank of America was removed from my XXXX report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXXXXXX XXXX  : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, 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 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.

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 card

XX/XX/year>, I called Macy 's American Express to inform them that XXXX XXXX XXXX  had scammed me on the purchases of Tickets. XXXX positioned itself as the XXXX XXXX for XXXX XXXX XXXX. I immediately caught the discrepancy when they sent the charge and called their number indicated to cancel the charges. It was a foreign location, and the person could not understand English very well and kept me on the phone for almost 30 minutes. After I spoke with them, I called Macy 's American Express and informed them not to accept the charges. Macy said they could not dispute or stop the charges until AFTER they had been posted. I was told to call after the charges had been posted. This seems to be very unfair to the Consumer since AM EX received notice before the charges were accepted that it was a scam. As per the Complaint XXXX sent to you XX/XX/year>, I contacted them to not send the tickets because of the predatory additional charges in excess of {$300.00}. They did not reply to you. They sent what I assume were the tickets to me which I did not open and returned to them. I sent an email to XXXX support, and it was returned to me undeliverable. They vanished. I purchased the Tickets from XXXX XXXX XXXX within that hour with a {$6.00} service fee. My complaint to you was sent to FTC. Macy 's American Express has refused to refund me the {$470.00} XXXX charged me on this scam. I have attached their reply, dated XX/XX/year>. They have charged my account. SECOND ISSUE : As you will see in the dispute sent to AM EX on XX/XX/year>, I requested that Macy 's AM EX not to increase my credit limit automatically. If they did, I told them I would not be responsible for charges on that account. In XX/XX/year>, Macy 's AM EX increased the credit limit without my approval. It is very hard to have regulations that protect the Consumer like me. It seems that Unchecked Capitalism favors the Corporations and Billionaires. Over 70 % of American are living on credit cards and the interest rate is extremely high. The Credit Card companies are giving credit increases in order to tempt consumers into even more debt and poverty.
Product: Credit card or prepaid card

I have called a multitude of Target customer service numbers and spoke to several employees/supervisors/managers on these dates : XX/XX/XXXX XX/XX/XXXX - 2 calls XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX - 4 calls XXXX - 8 calls I have been having an ongoing issue with not being able to redeem the rewards associated with my Target XXXX  Mastercard. I have been given conflicting information every time with promises of escalation and resolution. Every time I call back they are unaware of the issue, say it hasn't been escalated and they will do it, and they tell me to call back. At first the issue was only with my account, the next time was told it was a global issue, and now the guy couldn't answer whether it was global or just me because he was too busy repeating the people laughing in the background telling him what to say. His responses did not even make sense to what I was asking. The girl before him decided after 50 mins she was going to pretend she could no longer hear me and stop assisting me. have called several target corporate numbers and they all keep bouncing me around. I have emailed the CEO. I can not get an answer from anyone and am frustrated with the conflicting info get each time I call. As a customer who holds a credit card, I have entered a financial agreement to use their cards/pay their interest/ follow their terms. They offer rewards for doing so. 
Because that agreement isn't being matched I at least deserve a response. But instead have received no answers, just ridicule. feel like that is complete fraud and leaves a horrible taste in my mouth that the 8th largest retail corporation can act in this manner.
Product: Credit reporting or other personal consumer reports

In adherence to the mandates delineated within the Fair Credit Reporting Act ( FCRA ), I hereby submit this formal communication to revoke any and all authorizations, whether consciously or unwittingly conveyed, whether manifest in written or unwritten form, verbal or non-verbal. Consequently, I exercise my prerogative to opt out of the disclosure of certain information, as sanctioned by 15 USC 6802. Furthermore, my decision to opt out finds legal foundation in 15 USC 1681b, 17 CFR 248.124 ( b ) ( 5 ), THE PRIVACY ACT OF XXXX and 16CFR313.7f, wherein it unequivocally delineates the continuing entitlement to opt out, underscoring the autonomy vested in consumers to exercise this right at any juncture. 

Per the purview of 16CFR313.7g1, the efficacy of my direction to opt out remains steadfast until such time that I formally rescind it in writing, or, upon mutual agreement, electronically.

It is imperative that ALL HARD & SOFT INQUIRIES be expunged forthwith, given their classification as non-open accounts pursuant to the statutory provisions of 15 USC 6801. In tandem with the invocation of the PRIVACY ACT OF 1974 and 15 USC 1681 ( b ), under the rubric of permissible purposes, I also choose to opt out of the reporting of all soft/hard inquiries in consonance with 16 CFR 313.7 ( f ). Moreover, I assert my entitlement to the " right to deletion. '' The characterization of any charge-off as a Certificate of Indebtedness merits meticulous scrutiny, as such instances are deemed tantamount to income and, by extension, are ineligible for reporting. This assertion is bolstered by the elucidations delineated in IRS publication p4681, accessible via the following link : [ Insert Link ].

In concordance with the mandates enshrined in 15 USC 6801, it is incumbent upon financial institutions to embrace a policy framework that upholds the sanctity of customer privacy, ensuring the safeguarding of non-public information in a secure and confidential milieu. Consequently, I demand the expurgation of all transaction history and inquiries from my credit report, for it is a flagrant transgression to disseminate any such information. In lieu thereof, I assert that all account balances be accurately reflected as " PAID IN FULL '' or " PAID AS AGREED, '' whilst simultaneously insisting on the obliteration of all hard/soft inquiries.

The rectification of all duplicate names and misspellings, alongside the removal of non-mailable addresses, stands imperative. It is incumbent upon all entities concerned to ensure that my nomenclature is articulated in its entirety, encompassing solely the first, middle, and last names, devoid of any aberrations.
Product: Debt collection

Plain Statement of Facts : On XX/XX/XXXX, complainant discovered a total of two unauthorized electronic mail ( email ) communications sent by Allied Collection Services Inc. ( hereinafter ACSI ). ACSI advances, and complainant received ACSIs initial communication on XX/XX/XXXX, and second subsequent communication on XX/XX/XXXX. The electronic mail communications advanced by ACSI qualify as communications under the Fair Debt Collection Practices Act ( hereinafter FDCPA or the Act ) because both messages either convey information regarding an alleged debt or, imply the existence of an alleged debt. ACSI admits in each of its communications that each communication is from a debt collector and that it is attempting to collect a debt. Complainant is a consumer under the FDCPA. ACSI is bound by certain duties and obligations to complainant under the FDCPA including, but not limited to, absolute compliance with the statutory notice requirements existing in 1692g ( a ) of the FDCPA. This statutory disclosure obligation is triggered by an initial communication with a consumer in connection with the collection of any debt. None of ACSIs communications contain the statutorily mandated disclosures enumerated in 1692g ( a ) of the FDCPA, which include the amount of the debt, complainants right to dispute the debt, and/or how to obtain more information about the alleged creditor. ACSIs failure to provide complainant with the statutorily mandated disclosures, within five days of its initial communication, has caused complainant to suffer an injury in fact that is concrete and particularized. Complainant has been upset, distressed, and worried about these issues with ACSI. As a result of ACSIs conduct and behavior, action or inaction, complainant has suffered mental and emotional pain and anguish, humiliation, embarrassment, confusion, XXXX, and XXXX XXXX.
Product: Credit card or prepaid card

I applied for, and was approved for a XXXX reward card from Chase on XX/XX/XXXX. After the first month, I got a bill for a small balance, around 33.00 plus the annual fee of XXXX. 

I paid the bill in full, including the XXXX annual fee the day the bill came due. 

On XX/XX/XXXX, I received a letter from Chase informing me that they had closed my account at their discretion. 

After calling them, they informed me that they had closed the account for a 10+ year issue on my credit report from a fraudulent joint account that was taken out in my name that was resolved a long time ago. They refused to reopen my account, return the annual fee that they charged me for a month of 'membership ' and also refused to remove the application and closure on my credit report.
Product: Debt collection

Please be advised I requested validation of said stated debts from listed debt collector ( s ). I received a response that clearly violates my HIPPA rights. The collectors did not provide me with a HIPPA release that releases my medical information to them, therefore by providing such information these companies this company is in violation of my HIPPA rights. Documents were received in response to a dispute asking for validation in which the listed company have not provided me the services, charges, and cost WITH a signed HIPPA release. 
- On XX/XX/2021 I received a letter in an attempt to validate a best from company Credit service company , INC for an alleged debt amount of XXXX . XXXX XXXX XXXX XXXX  XXXX, CO XXXX
Product: Debt collection

Greetings Consumer Finance Protections Bureau, This complaint, against Portfolio Recovery Associates, is being submitted following a blatant disregard to the Fair Debt Collection Practices Act | As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) with regards to 806. Harassment or abuse of which line ( 5 ) applies. 

On Saturday, XX/XX/2018 Portfolio Recovery Associates attempted to contact me regarding a debt in their possession with my personal information attached. Between the times of XXXX MDT and XXXX MDT they attempted to unsuccessfully contact me a total of 26 times. This stands in violation to 806. Harassment or abuse which states ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. While a debt collector is allowed to contact a possible debtor via telephone or mail and retains certain legal rights to attempt collection, it falls outside of their realm of operations to harass a potential consumer with intent to annoy or harass a person. Additionally Portfolio Recovery Associates failure to disclose the company name or false disclosure to trap a person again violates 806. Harassment or abuse as written ( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the caller 's identity. Furthermore, Portfolio Recovery Associates has violated the Fair Debt Collection Practices Act when attempting to intimidate a potential debtor into payment which has also happened during past communications ( 807. False or misleading representations ). 

I wish to express my thank you for your time and help regarding this issue to the CFPB and will await any further communication or resolutions from the CFPB. 

Professionally, XXXX XXXX.
Product: Vehicle loan or lease

I was approved for a lease for a 2023 XXXX XXXX in XX/XX/year>. Since then, Ive made a total of XXXX on time payments totaling XXXX. I contacted Volkswagen Credit/Audi Financial Services to inquire about a lease/buyout because I wanted to lower my monthly auto payments and get a lower interest rate as well and I was informed that I would need to go to an XXXX or XXXX dealership to start the process if I wanted to do a lease/buyout. So I went to XXXX XXXX XXXX in XXXX XXXX and I explained to the one of the sales representatives what I was trying to do and what my concerns were and he sent me a link to apply for credit. I applied for credit and I was denied by multiple lenders. Apparently, I was denied credit because my score was too low and I didnt meet the requirements to get a loan even though I already have a loan currently with Volkswagen Credit/Audi Financial Services and Ive been making my payments on time. Originally when I got my loan in XXXX I was denied again and then for whatever reason they were able to get me approved for the lease. Now that Im trying to do a lease buyout Volkswagen Credit/Audi Financial Services is denying me credit. Which I dont understand why when I currently already have a loan with them and Ive been paying on time for almost a year now without missing one payment.
Product: Debt collection

On XX/XX/XXXX, I received a phone call at a XXXX it showed up on my phone a spam risk. So I did not answer it because of that as well as because at the time of the phone call I was working. XXXX minutes later my mother received a phone call on her house phone from the same number as I did. During the time the same person who attempted to call me was leaving her a detail message regrading an alleged debt that I had owed. When she heard her name associated with my name she proceed to answer it and see what business it had to do with her. Now I have had a few things within the past few months open in my name. In XXXX all the was up until present day my phone, computer, email, all social media has gotten hacked. I even had to go to court for a judge to tell me that my license was not suspended and get it back due to it was showing that in The Department of XXXX XXXX. So when someone like me gets these type of phone calls its very questionable for me and my mother. Especially since the young woman and man was able to discuss this alleged debt that I had owed with my mother and payment options plans with her as well. They then proceed to try to confirm an address that I do not reside at and went on and stated that I used her as a reference which boggles me since I know the number they had called her on was a brand new number that was not even year old and this alleged debt was from XXXX.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft, and I called XXXX XXXX and explain the reason why I should not have a late payment on my account. I was instructed by a respresentative of XXXXXXXX XXXX not to pay the secure credit card at the time I reported identity theft. Which that date was XX/XX/XXXX. I was in Arizona at the time the crime was committed. I was instructed by the police at the time to call all banks and credits cards and put a stop/lock on everything til the investigation was finish. once the investigation was over I went back to pay the secure credit card as normal. I thought XXXXXXXX XXXX understood the situation at hand, when I called this year of XX/XX/XXXX and reported identity theft with proof that it happened again is when I find out they reported a late payment.I don't understand what's the issue on a secured credit card of {$200.00} that is now closed. please all I ask is that the account be updated to show no late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed via XXXX department store roughly a year ago that a person in XXXX was able to use my social security number to use my XXXX account. This individual had charged hundreds of dollars to my account. I filed a police report after realizing this individual opened several accounts in my name. XXXX also filed a report and removed a portion of the balance. However, after me complaining several times the company continues to call me and THREATEN me. Claiming they will send someone to my house to collect the money and that I will go to jail. Every time I try to explain that these charges are not mine and that XXXX said they would remove the remaining balance, they hang up on me but not before I get another threat of XXXX. This is now on my credit report. Because of my social security number being used I actually was scammed out of {$600.00} from another so called collections agency. Please help me with this situation. I appreciate it.
Product: Credit card or prepaid card

After having a credit card with Bank of America for about 14 years, I received notification in XX/XX/2020 that they were closing my account. I called them in early XX/XX/2020 to inquire about the closing of my account. I explained to them that I have never been late and require the credit card 's line of credit to be open as it will lower my credit score. Bank of America gave me a vague response noting that after a review was conducted of my account, they felt it was in the best interest of the bank to close my account. 

This was an undue burden and has shortened my average credit history, lowered my credit score, and has increased my debt to credit limit ratio overall. Consequently, the closing of this account has caused a domino effect. This is an undue burden on an XXXX XXXX service member under the Servicemember Civil Relief Act ( SCRA ).
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against TRANSWORLD SYSTEMS, INC for committing identity theft. I have never given TRANSWORLD SYSTEMS, INC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from TRANSWORLD SYSTEMS , INC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If TRANSWORLD SYSTEMS, INC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until TRANSWORLD SYSTEMS, INC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and TRANSWORLD SYSTEMS , INC continues its collection efforts, I will file for litigation for actual damages caused and TRANSWORLD SYSTEMS, INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian and XXXX. Please delete the following accounts. 
DEPT OF ED/XXXX  # XXXX ( All 20 accounts with the Same Name and Account Number for Balances of {$3100.00}, {$3400.00}, XXXX, {$4000.00}, {$2300.00}, {$1300.00}, {$4900.00}, {$4.00}, {$3300.00}, {$2.00}, {$3500.00}, {$2900.00}. {$7600.00}, {$2300.00}, {$1900.00}, {$1000.00}, XXXX, {$2400.00}, {$6300.00}, {$4800.00} ). 

XXXX XXXX Balance {$1100.00} Account number XXXX XXXX Card Balance : XXXX Account number XXXX XXXX XXXX  Balance {$2400.00} Account number XXXX XXXX XXXX XXXX : {$880.00} XXXXXXXX XXXX  Balance XXXX XXXXXXXX XXXX Balance XXXX XXXX XXXX Balance XXXX XXXX