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

Dear Sir or Madam : I received my XXXX statement and scheduled an on-line payment on XX/XX/XXXX as what I did in the past 16 years. However, I found the payment was not carried out when I viewed my XXXX statement. So I used the on-line message system to report this problem at XXXX on XXXX XXXX. I didn't get any response. The credit card issuer stated some delay during the COVID19 pandemic. I contacted again at XXXX on XX/XX/XXXX and waited for almost 40 minutes and left a lot of message including what the problem is and how i want it resolved, etc. At the same time, I scheduled the payment for the balance from my purchase and left the fees from the problems. I didn't received any response specific on my request from the credit card issuer since XX/XX/XXXX. 
The XXXX statement keeps adding the fee to my account on the balance I am not responsible for. 
I save all the message with the time from the on-line message system for this complaint in case of request. 
At the same time, I found that the issuer closed my second credit card. I looked through the statement and the issuer took my points of about {$35.00} in XX/XX/XXXX. The claimed that this card was not point earned within a year. however, the second credit card had an annual dividend so that the issuer can't take my points. 
I realized that the credit card issuer has made mistakes and take money from its customers. 
Thank you very much.
Product: Debt collection

Called three times since Thursday XX/XX/year>. I received the phone call today and finally answered. They tried to attempt to get me to verify information they provided on the phone call, including name and date of birth. 

Would not verify the debt without verifying my identity. 

Used a false name of XXXX, with a XXXX XXXX XXXX. When confronted he said it is " company policy to use an alias ''. 

Their name is Midland Credit Management at XXXX They have never sent me correspondence aside from this " debt collector ''.
Product: Credit card or prepaid card

Capital one bank late payments in 2014  XXXX ,  XXXX ,  XXXX  and  XXXX . Should be covered under the payment protection plan
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, resulting in fraudulent account activity and credit inquiries appearing on my credit report. I request that the following account and inquiries be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

On Wednesday, XX/XX/XXXX I contacted XXXX XXXX about refinancing my mortgage. The first mortgage company to call me was AmeriSave. I started the processes with them. They lead me to believe that there offer would most likely be the best offer but told me they would beat any better offer I got by {$500.00} but it had to be a locked-in offer. To get there lock I had to give them a {$500.00} nonrefundable fee. They failed to tell me that no-one else I talked to would require this fee. Most of the other companies I talked to gave me better deals. I was told I had 3 days to shop the loan. On the third day, I sent the general loan information on the better offers to them and did not hear back for 2 days so I assumed they were not going to match and went with a different company. Turns out the loan officer was sick and never bothered to let me know. He had my text information and had previously sent me a message. He knew I believed I only had 3 days yet never bothered to let me know he was out. I sent them an e-mail letting them know I had picked someone else and did not get a message back until 2 days later. I talked to the Texas division manager a few days before my closing to get my {$500.00} back. They told me that because I had not close I could still break my agreement with the other company and they would still beat it. I told him I would not go back on my word. The loan officer kept telling me how  honest he was but failed to tell me that most other companies would not ask for a refundable deposit. He said he knew for sure that XXXX also did that. If they truly believed that most other companies would require a fee to lock in my rate and they would only match locked-in rates than that 500 $ was a way to force me to go with them. I got a better offer from everyone else I talked to and everyone else also told me that would beat any other offer. If everyone else can do that I see no justification for that charge and would like it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

NO KNOWLEDGE OF THESE INQUIRIES AND NEED THEM GONE
Product: Debt collection

I had XXXX on my XXXX, I advised XXXX I would XXXX XXXX XXXX when I was home from the XXXX I was in the XXXX for over XXXX weeks when I came home I paid the amount XXXX advised me to pay I asked her at the time if I was turned over to collections or if I had to worry about this and she said NO Today On XX/XX/year> I received a letter from a collection agency for a bill of {$400.00} XXXX reported this to a debt collector for a debt not owed and in addition to that this is negatively affected on my credit report
Product: Debt collection

It has been once year ( XX/XX/XXXX ) since attempted to fix this issue that was created using my name and SSA #. XXXX used my information on someone else account at a different address than mine. The did their part to " XXXX '' the error from my account and my personal information. They removed the information from one collection agency, but a year later another collection agency has placed this debt that is not mine on my credit report. I have been calling XXXX  and I called the collection company. They each say the other have to remove it. Today XX/XX/XXXX I receive a text from XXXX  saying that they are giving me a credit for this amount. I don't need a credit. I need this taken off of my credit report. I found out who the person was that they were looking for after XXXX texted me the return information for the fraudulent person 's equipment with her address label. The address of the equipment is not mine, nor has it ever been mine. I have gone through XXXX 's theft unit, XXXX unit, and they even unknowingly put another 2 year agreement on my new account without informing me of this. Which would cost me to close my account with them. This is wrong. I need help.
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, XXXXDEPT OF ED # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 719XXXX has me at a score around 590. 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 us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 XXXX PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) I am submitting this complaint regarding violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by Experian Despite my previous correspondence, which requested the removal of the above-mentioned account due to inaccuracies and failure to validate the information as required by law, Experian has not conducted a proper investigation nor provided the required documentation. 
Reasons for Complaint : 1. Violation of the FCRA : o Investigation Requirements ( 15 U.S.C. 1681i ) : Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information.

o Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information provided did not comply with the permissible purposes outlined in the FCRA. The verification process failed to meet the established standards for handling and reporting information.

o Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued inclusion of this bankruptcy record and associated accounts infringes upon my privacy rights. The failure to follow appropriate procedures for handling sensitive information constitutes a violation of this section.

o Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a dispute. To date, I have not received this required information.

o Invocation of 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) : I am invoking these provisions to request the removal of this account and to demand proof of its verification. The failure to complete this verification constitutes an abuse of my rights.

2. Violation of the TILA : o Disclosure Requirements : Experian failed to provide accurate and timely disclosures regarding the account status, breaching the TILA requirements.

3. Federal Consumer Protections : o Title 15, Chapter 41 : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.

o Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. The response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record. 

Immediate Action Requested : Delete Immediately for Violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) : XXXX. Creditor Name : XXXX XXXX XXXX  o Account Number : XXXX Present below the inaccurate information persistently affecting my credit report.
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. 

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 informationisinaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX applied for an auto loan. I was approved with XXXX XXXX XXXX. I have several hard inquiries for the same pull on XX/XX/XXXX for this auto loan. I would like to only have the banks in which I wasnt approved pulled from my credit hard inquiries report. I have the pulls with the following on the same date ofXX/XX/XXXX. Can this be reduced to just one pull from XXXX XXXX and XXXX XXXX if anything 1. XXXX XXXX XXXX  2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX 8. XXXX
Product: Checking or savings account

On XX/XX/year>, I went to login to my Marcus account and got the message- " your account is temporarily locked, call customer support ''. I called the number provided, thinking maybe I just needed to verify some information for security purposes. When I finally got connected, they said my account had been closed! I have a large portion of both my personal and business savings in the account, so was very alarmed at the news. I repeatedly asked why my account was closed and how I would receive my funds? They would not give me a shred of information of why the account had been closed, simply repeating that it was within their right. I asked how I would receive my funds. They said I would receive a check within 7-10 business days and would provide no further details. Despite multiple questions, all I got was " If you don't receive your money within 10 business days, give us a call. '' I asked " within 10 business day of the account closing or 10 business day of my call? '' They stated that it's within 10 business days of my call. So who knows how long my account had been closed. I never received warning or even a notification that it was closed. So apparently they just decided to close a multi-year account and hold my money until I happened to attempt a login and noticed. I can't even check my balances to make sure the amount they send me is correct. Since the the initial encounter, I have called several times and they keep changing the timeline on when I will receive my funds. I also requested my funds to be ACH transferred back to the accounts I initially deposited them to. I emphasized that I didn't want them to mail the majority of my savings in a check format, but they refused and said a check was the only option. I want my money back from this dishonest company! Since it happened to me, I have done research and read many similar scenarios of Marcus holding people 's funds recently.
Product: Credit card or prepaid card

I recently reported XXXX XXXX XXXX to this same organization. Discover 's immediate response was to lock my account, preventing me from making payments. Despite multiple phone calls they are adamantly refusing to remove the lock on my account. I feel that this is a blatant attempt at intimidating me and punishing me for reporting them. Further, I feel that this is a deliberate attempt to force me into making a late payment so that they can increase my interest and charge me penalties. 

XXXX XXXX XXXX is punishing me for reporting them. 

XXXX and XXXX in the XXXX find this situation so uncontrollably funny that XXXX was bursting out laughing at me on the line while she transferred me.
Product: Mortgage

updated information since BoA attorneys will not send it to them. This is pleading with exhibits filed into case XXXX hearing set for XX/XX/2022 to vacate the summary judgment and argued case must be dismissed.
Product: Debt collection

they call repeatedlu everyday in the morning i blocked their number and it worked a couple of days but now they are somehow getting past the block XXXX  some software.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARDS XXXX XXXX XXXX XXXX XXXX MORTGAGE XXXX XXXX XXXX XXXX XXXX BUSINESS XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX Section XXXX A states that I have the right to privacy XXXX U.S.C Section XXXX A Section XXXX also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX  and in the XXXX  with XXXX for XXXX months and almost XXXX. I recently paid a large payment to XXXX XXXX XXXX and XXXX XXXX XXXX card. I asked them to remove the late payments due to my situation they refused. 

so now i am reporting a violation of the FCRA 15 U.S.C. sec. 602 a I have the right to privacy 15 U.S.C. sec 604 a sec 2 states a consumer reporting agency can not report anything without my written instructions.

these two laws were violated.

15 U.S.C. it is against the law to report anything which is late
Product: Credit reporting or other personal consumer reports

On XX/XX/year> sent Security Credit Services letter to provide me with a copy of original contract with wet ink signature and proof that I own them this debt.
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. 
Account Name : XXXX XXXX - Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Account Name : XXXXXXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX, XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX  Account # XXXX The above referenced accounts either are completely incorrect in terms of payments dates/or balance updates. Additionally, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX is an account that I have never signed ANY agreements for or personally had services from. These accounts have just been updating balances through each dispute to stay on report. ALL account dates and info is incorrect. 

Examples include Account Name : XXXX XXXX - Account # XXXX, I do not have this account and it clearly states my last payment was well over 2 years ago but the account still shows as " open '' 15 U.S.C. 1681 section 602 A, states that I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2, also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information : any 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 ) states that 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: Debt collection

I ATTENDED XXXX XXXX XXXX IN XXXX HOWEEVER THE SCHOOL WAS NOT ACREDITED AND THE SCHOOL WAS A SCAM AND TRICKED STUDENTS TO TAKE THESE LOANS OUT PUTTING THEM IN DEBT FOR YEARS TO COME TAKEING THERE TAXES AND GARNISHING WAGES .IN XXXX A LAWSUIT HAS BEEN IN PLACE
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Subject : Identity Theft and Unauthorized Credit Reporting by XXXX XXXX I am writing to formally report an incident of identity theft involving XXXX XXXX. This company has reported negative items to my credit report without my written consent, constituting identity theft under 15 USC 1681b ( 2 ). The details of the unauthorized credit reporting are as follows : XXXX XXXX Account Number : XXXX Discrepancies : Balance inconsistencies, high credit limit not reported correctly, and lack of 1099-C form for the charge-off. 
XXXX XXXX provided my personal information to credit reporting agencies without obtaining my explicit written permission. As a result, my credit report now contains charge-off negative items that do not belong to me. This unauthorized sharing of my personal information has significantly impacted my credit score and caused undue stress and inconvenience. 

According to 15 USC 1681b ( 2 ), any entity must obtain written consent from an individual before furnishing their information to credit reporting agencies. In this case, my identity was stolen, and these negative items were added to my credit report without my consent, thereby violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Furthermore, according to 15 USC 1681s-2 ( a ) ( 7 ), creditors are required to issue a Form 1099-C for any canceled debt. The lack of a 1099-C form for the charge-off accounts listed above indicates that the debts may not be valid, and therefore, the information should not be reported on my credit profile. 

According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

Additionally, under 15 USC 1681b ( 2 ), consumer reporting agencies may only furnish a consumer report with the written instruction of the consumer, which I have never provided. This unauthorized access to my credit report constitutes a violation of my rights. Furthermore, 15 USC 1692 and 18 USC 1028A outline the regulations against identity theft and unauthorized disclosures, emphasizing the severity of these inaccuracies. 

I kindly request the following actions be taken : Removal of all fraudulent and negative items from my credit report that were reported by XXXX XXXX. 
Notification to all relevant credit reporting agencies, including XXXX, XXXX, and Equifax, about the identity theft and unauthorized reporting, ensuring my credit report is corrected and restored. 
I have attached copies of my identity theft report, my FTC Identity Theft Affidavit, and any other relevant documentation to support my claim. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution to restore my credit