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

To provide context, On XX/XX/XXXX, the Honorable Judge of The XXXX XXXX PCT. XXXX in XXXX XXXX, State of Texas, conducted a trial between Plaintiff Discover Card and Defendant XXXX XXXX. After a thorough review of evidence and testimony, the court concluded that the Plaintiff had failed to substantiate the claims made in the petition. The court 's verdict was clear and unequivocal : " It was ORDERED, ADJUDGED AND DECREED by the court that the Plaintiff Discover Card take nothing of the Defendant XXXX XXXX, and this case is hereby dismissed with prejudice. '' Upon receiving a copy of the signed court order, I promptly informed XXXX, XXXX, and XXXX about the inaccuracies that Discover Card has been reporting since XXXX. A copy of the court order was also provided to XXXX, XXXX, and XXXX. I requested all data, account information provided by Discover Card be removed immediately from my credit file.This inaccurate reporting is not only unjust but also constitutes a violation of the Fair Credit Reporting Act. Discover Card has since reported to the credit bureau 's that they are reporting the account accurately. A court order on XX/XX/XXXX states Discover card has failed to prove this allegation and I ( XXXX XXXX ) owe Discover Card nothing! ( See attached court order ) Discover card has reported and continues to report inaccurate information and this has no legal right to do so. Any account reported inaccurate shall be deleted, states the law. I demand Discover Card remove all data they have reported to the credit bureaus within 24 hours of receiving this complaint. Discover Card is in violation of the law and this is my final attempt to resolve this matter. If this matter is not resolved within ten days of the date of this complaint, this matter will be turned over to a consumer law firm to file for damages for each violation and all financial damages caused by Discover Card. 

Discover Card 's consistent reporting of erroneous information has inflicted serious harm on my ability to secure credit, leading to higher interest rates and damaging my financial reputation since XXXX. Moreover, this situation has taken a significant toll on my mental and emotional well-being, creating undue stress and XXXX. The inaccurate reporting has affected my capacity to access affordable credit, thereby obstructing my financial growth and stability. 

I request assurance that such inaccuracies will not recur in the future, safeguarding both my financial well-being and mental health. 

Thank you for your prompt attention to this matter.
Product: Debt collection

During my XXXX I had several XXXX  like any woman would. At the time I was covered by an insurance plan through my mothers employer and also state insurance. One of my XXXX  had a copay while non of the others did and while in contact with the insurance company they never resolved it. I get calls several times a week all from a different number but the voicemail is always from XXXX from americollect. Early in the morning or late at night it dont matter. Knowing I dont have the money to give them doesnt matter they keep calling.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and disappointment with the inaccurate information reported on my credit report. A recent investigation into my credit history revealed several discrepancies that have caused me significant distress and frustration.

Upon reviewing my credit report, I discovered multiple items that are unverifiable, invalidated, inaccurate, and questionable. It is unacceptable that your agency failed to ensure the accuracy of these items before reporting them.

According to the Fair Credit Reporting Act ( FCRA ), it is imperative that all information on my credit report is 100 % accurate. However, the accounts in question are clearly in violation of FCRA regulations, specifically under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ).

I demand that immediate action be taken to rectify these errors and ensure that my credit report reflects accurate information. I have attached copies of all previous correspondence regarding this matter for your reference.

I expect a prompt response and resolution to this matter. Failure to address these concerns will result in further action being taken.
Product: Credit card or prepaid card

On XX/XX/2020 I have a charge of {$370.00} from XXXX I would like details of this charge as it was during lockdown and cancellation of hotels and flights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX XXXX charged off an auto loan which became delinquent due to deceptive practices. In XX/XX/XXXX the creditor, XXXX XXXX XXXX, sent me a 1099-c document of Debt Cancellation/Forgiveness of the account. They have since continued reporting the account as a Charge Off instead of accurately reporting the account as Cancelled/ Forgiven. I have contacted the creditor and the credit bureaus and they each refuse to update the account to reflect accurately as a cancelled/forgiven debt or complete removal.
Product: Credit reporting or other personal consumer reports

Reported a number of Hard inquires showing up after XXXX XXXX XXXX  data breach, even though there is a extended fraud alert on my file would not remove. I reported to the company and they stated that they do not share personal information with third parties. 

BALANCES PAID IN FULL PER AGREEMENT AS STATED ON 1099C, NOT DUE TO BANKRUPTCY. 

On XX/XX/XXXX mailed each company a written notice is regarding XXXX XXXX XXXX XXXX XXXX  to include all deviations of the same with the SSN list four of XXXX, XXXX  Birth Certificate number XXXX DOD number XXXX, passport card # XXXX and XXXX XXXX XXXX XXXX. 

As Executor and authorized Agent for XXXX XXXX XXXX XXXX XXXX I XXXX XXXX invokes my right in regards of the Disclosure of Non Personal Public Information and defined by XXXX, and Constitution of Republic America and per the FCRA. 

As a Federally Protected Consumer, I am now opting out of any and all authorization I the consumer may have given you. This includes written, unwritten, verbal, and nonverbal permission per 15 U.S. Code 6801 through 6805 effectively immediately and indefinitely. 

This includes any and all transaction history, any further reporting without a written agreement signed by the Executor or Trustee of this organization signed in Ink or Electronically with Email as verification and aXX/XX/XXXXXX/XX/XXXX Statement noting said agreement filed with Secretary of State. Further a copy of notice and said agreement must sent certified mail with PS Form 3811 return receipt address to Executor at address below.
Product: Credit reporting or other personal consumer reports

On my Experian credit report, it shows an account with XXXX, which is past due since XX/XX/year> for {$45.00}. That specific account I had with XXXX was transferred to their credit collection agency, XXXX XXXX. I made payments on this account to XXXX XXXX. My final payment to XXXX XXXX was made in XX/XX/year> in the amount of {$45.00}. I have attached documentation, showing that XXXX charged off that account to XXXX XXXX. I have also attached my payment history on that account to XXXX XXXX. My final payment in XX/XX/year> was never credited to this account. I have disputed this 4x now with Experian, and every time I get the same response, that the past due amount will remain on my credit report, and that they have received confirmation from XXXX. What is going on here? What other documentation do you need showing that I have taken care of this past due balance. I want this removed from my credit report now. I have been trying to obtain a home loan, and this past due account on my credit report, is keeping me from obtaining that loan. If this does not get resolved, I am going to have to take legal action. XXXX does not have the right to keep fraudulent information on my credit report.
Product: Credit card or prepaid card

In XX/XX/2018, I signed up via phone for the XXXX XXXX XXXX XXXX XXXX XXXX credit card, it came with a signup bonus of XXXX points after spending {$3000.00} within 3 months. I met the spending requirement within the 3 month time period, however when I called in after the 3 month period I was told that the offer of XXXX points was removed from my account. I was told by the representative that on XX/XX/XXXX Wells Fargo re-did their reward program and that the bonus promotion was removed from my account and replaced with a 3x points promotion on future spending and that I would not receive the bonus points that were offered when I signed up for the card. I requested a supervisor and requested a case be opened, but was told there was nothing they could do to help me further as the bonus I was offered when I signed up for the card was no longer in their systems..
Product: Mortgage

Mortgage company did not pay the real estate taxes from the escrow account. I believed that they were going to pay but they declined payment. I got an real estate tax abatement from the Town then the banks stated that they had paid the taxes which the tax collectors office denies. The Mortgage then claims to have made two payments for the 6 month tax bill which put the escrow account negative as well as charged several {$500.00} attorney fees as well as property inspection fees. I called the mortgage company and the person I spoke with said they would need to research the issue. my next payment notice included a decrease in required payment which made sense to me since the property tax as well as the cost of homeowners insurance had gone down. the mortgage company had applied excess escrow funds to the principle. After approximately 8 months I get a property tax bill and homeowners insurance bill that states the Owner must pay which I forwarded to the Mortgage company. They paid both and stated that the escrow account was negative {$12000.00} because of account research fees, attorney fees and more inspection fees as well as the paying of the property taxes and homeowners insurance cost. this amount was due immediately. The next payment sheet came and stated that my new monthly amount was {$1600.00} more than the original mortgage and escrow amount. COVID-19 Struck and I lost my source of income for 7 months I continued paying the mortgage and the Mortgage company filed for foreclosure. I filed for bankruptcy and continued paying the mortgage amount as well as the trustee. After 10 months the mortgage company filed to be removed from the bankruptcy because " I had not paid the required Property taxes, Attorney fees, property inspections and Homeowners insurance '' they had these expenses that were supposed to be paid from escrow and not applied money toward the Mortgage which is being held in unapplied funds. the Mortgage company was granted removal from the bankruptcy. and here I sit pre-foreclosure with a bill of {$38000.00} and the mortgage company has refused payments other than payments in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

i suspect fraudulent inquiries on my credit report. below are the inquiries listed. 

XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX AXXXX HXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2020 as well as XX/XX/2020 there was a total of six unauthorized transactions that were posted on my prepaid account. Amounts all being {$50.00} USD and above. The company Bank Of America has done nothing to reimburse me my lost money or even allowed me to speak to someone. All they have done was close my account and I need my funds to be available to me this is ridiculous.
Product: Debt collection

I have a collection account on my credit report from Portfolio Recovery Associates, LLC. Please be advised that Im disputing this collection due to the facts That Portfolio Recovery does not currently have a valid license to collect debt in the state of Louisiana according to Louisiana office of financial regulations. I am requesting that you delete this account from my credit or provide me physical proof that they are licensed debt in Louisiana.
Product: Credit reporting, credit repair services, or other personal consumer reports

The major credit reporting agencies ( XXXX, XXXX, Experian ), are giving lenders too much power over information reported by lenders about consumers. Credit reports/scores reflect whatever lenders are reporting including inaccuracies which has a catastrophic effect on consumers creditability. All of my accounts both open and closed are currently in good standings and have been since the duration of the account ( s ) open, yet my credit score continues to decrease. It went from a XXXX FICO score to XXXX within a year and a halfs time ; all without having one single negative remark. As a result, I have been turned down for employment as well as credit/loans based off of scores even though my payment history is 100 % paid as agreed for all my accounts. Creditors are manipulating the impact on the information about my consumer credit reports and are prolonging the resolution process by repeatedly reporting inaccuracies. Meanwhile, I continue to miss out on opportunities that would have been available to me had an accurate account of my creditworthiness been reported. There were times I made large payments and even paid off balances and my credit score continued to decreased based off of utilization and balances. Lenders have fabricated the details of their reports causing other lenders to close accounts that were in good standing. Many creditors have also decreased the credit limits on many of my good standing accounts causing my utilization and balances to spike to and above the available credit limits. Currently, creditors are manipulating consumers credit reports to accommodate for their own benefit rather than the consumers. Creditors are disregarding the set backs due to the XXXX pandemic and over flexing their powers to report consumers creditworthiness. They are offering relief to consumers but are not honoring the offers and/or maximizing higher interest opportunities during the relief process. Creditors are capitalizing off of the fall of the economy during the pandemic and taking it out on the consumers. Credit reporting agencies are enabling creditors to misrepresent consumers creditworthiness.
Product: Credit card or prepaid card

RE : American Express Dishonest Customer Representatives I had been a card member of American Express since XXXX, and I had been asked to upgrade my membership but I did not want it because a new fee was {$250.00} instead of {$160.00} per year. 
On XX/XX/XXXX, XXXX XXXX from American Express told me that if I upgrade my membership and spend {$1000.00} for the first month, I would get XXXX point ( {$250.00} cash value ), and the fees would be prorated and I would be able to go back to my old membership if I want. 
However, cash value of XXXX point was only {$120.00} and when I tried to go back to my old membership sometime in XXXX, they told me that it was no longer available. Then, I realized that I had been deceived by XXXX XXXX. Then, I decided to cancel the entire membership but whenever I call them, they did not let me close my account, so it took very long to close my account, so I was charged fees for nothing by American Express. 

When I spoke to XXXX XXXX for hours to close my account on XX/XX/XXXX, finally he accepted to close my account and told me that I would get a refund of half of my membership fee ( $ XXXX {$120.00} ) within a month, but I have never received it. However, I have found that my refund was not processed at all when I called American Express on XX/XX/XXXX. I do believe that I was deceived by American Express. 

Could you please have American Express to pay me back my membership fee of {$120.00}? I have no outstanding bill, so I am entitled to get a refund. 

Thank you very much, XXXX XXXX
Product: Debt collection

The account in collection was paid in full and stills showing as collection in my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I OLLECTIONS XXXX asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$75.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$360.00} XXXX  XXXX {$270.00} XXXX  XXXX {$250.00} XXXX XXXX XXXX {$100.00} COLLECTIONS XXXX {$43.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}
Product: Money transfer, virtual currency, or money service

I was charged with XXXX $ back on XXXX XXXX and within a couple days from me disputing the charge they denied my claim I even called to talk to someone and the person on the phone act like he didnt know what I was talking about. The money that was stolen from me was for my light bill and left me without lights for 14 days till my next paycheck. Not only that they closed my account because I made a dispute.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and ihad fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my abiality to obtain credit.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of in accurate or unavailable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result 's of the investigation, and ( I ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report immediately. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX  XXXX. Account # XXXX and XXXX XXXX XXXX  Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to file a compliant against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction were authorized. I was charge fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settle with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transaction.
Product: Credit reporting or other personal consumer reports

The County Recorder of deeds and the bankruptcy courts have both mailed me letters stating that they do NOT provide any information to credit reporting agencies nor do they ever validate and or confirm public records.
Product: Debt collection

I received four notices radius globe solutions a debt collection agency about loans that I had with XXXX for attending XXXX XXXX in XXXX XXXX Arkansas from XXXX XXXX XXXX the multi-state AG settlement anyone who attended a for profit school /closed schools.I was want them to stop trying to collect on debt that has been ordered ore deemed noncollectable by the multi-state AG settlement I Just want live my life in peace the little time that I have left on this earth I'm XXXX going on XXXX and don't want to spend the rest of my life dealing with federal and private student loans that were clearly meant to keep me in debt, looking back I know now that I was mislead into taking out these loans some of them I didn't even know I had until years later from entering the school until the end was one big scam I realized my grades were fixed so I could attend XXXX in XXXX XXXX took the XXXX XXXX XXXX that day XXXX XXXX XXXX XXXX  and the guy was acting concerned and offered to give me a second chance at it and he came back on the second try and said I passed even though I marked any answer down weather it was right or not and some how I Passed on the second try I know now looking back that I should have never gotten into the school and I could have passed the second try so they must have altered my grade to keep me in there it was He just kept making it sound like I would be missing out on and opportunity of life time and that it would be hard for me to get in later because they were always getting new students and I only attend because of promise of job placement and hope to change life for the better after I got out couldn't find a job and there was no help from the school and no service 's I was always told I didn't qualify for any reduced payments and that I could do a forbearance this was XXXX at the time then XXXX  with the same old song.