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

After multiple complaints about an internal error within the Discover application system and reporting the information to the the CFPB, Discover has blacklisted me from getting a credit Card from them. The sad part is that when banks, creditors, lenders need a bailout the government doesnt blacklist them. I had a Discover Card Back in 2018 never ever late and paid in full. Two weeks later they closed it. Since I reported it to CFPB they have chosen to retaliate against me by giving me the following reason for declining the card ( even though I get pre approved ) and I have never been late payment on my creditors is impeccable.

Thank You For Youre Interest In Discover We Could Not Approve Your Request Due To The Following : Status Of Existing/ Prior Discover Card Account I reported this to XXXX XXXX Executive Office Of Customer Advocacy whos job is just to reassure me that I am on the Discover Black List for Filing A Complaint. 

The matter wasnt even resolved but I do believe that I am currently being definitely discriminated against because of my current address and age too.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a letter to Trans Union complaints department to permanently delete any other names, addresses, phone numbers, social security numbers, birthdates and employers that infringe on my consumer rights or that is not true, correct or complete per FCR regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

We purchased a vehicle and financed thru XXXX XXXX. After going through hardship we lost the vehicle. XXXX of this year I reached out to XXXX because it was showing an open balance on our account. I told them if they would do a pay and delete I would pay a settlement price. They agreed to do it. This was under both my name and my husbands name XXXX XXXX. I paid the settlement amount but the account is still showing on my XXXX, Equifax, and XXXX as well as on my husbands bureaus. We feel lied to and when we call XXXX they just blow us off and say the account shows paid XXXX balance but it isnt supposed to be on the bureaus at all
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mines nor do I know the person or persons inwhom added me to these accounts as an authorized user, I'm demanding that these accounts are removed from my credit file. 

1 ) XXXX/XXXX  XXXX XXXX 2 ) XXXX XXXX XXXX  XXXX
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 Account # 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 reporting, credit repair services, or other personal consumer reports

Summary : -No initial notice of delinquency was received as required by FCRA 623 7 ( A ) ( Notice to Consumer Required ) ; most certainly nothing was sent that was clear or conspicuous per FCRA 623 7. Creditor has not been able to provide any verification to support that it was sent.

- Dispute was not resolved within 30 days ; there were no extenuating circumstances that would allow for 15 day extension.

- When Experian was asked they were unable to provide a description of the procedure used to determine the accuracy and completeness of the information as required under FCRA 611.

- Creditor has not been able to to provide verification after reinvestigation as required by FCRA 623. 


Detail : I requested a dispute through Experian ( dispute report XXXX ) on XX/XX/2020 against a company called Contract Callers that's on my credit report showing collections against me. I supplied Experian with the information that this was incorrect. 

On XX/XX/2020 I received a message saying my dispute is complete ( 35 days after dispute was started. When logged in it says the dispute report was generated XX/XX/XXXX, 33 days after dispute pics below ). 

I reviewed the dispute and called Experian dispute support on XX/XX/2020. Experian told me to contact the collections agency which had already been done but they did not provide relief as required under FCRA. During the course of the call I was told the information was correct but when I asked the Experian representative about the procedure used to verify correctness they said they don't have any verification from the company that the collections action was accurate for the paid account or that the original creditor had provided any notification of delinquency as required under the FCRA. 

I was able to verify with them that no prior notice was given as required under the FCRA of a clear and conspicuous notice. As soon as a collections action against me was noticed I reached out to pay the account and clear the item up. The collections agency was very clear that if I made an immediate payment in full to them they would be able to remove this from my credit report. Years later it still remains on the account. 

Today, XX/XX/XXXX, I sat on hold for over an hour and fifteen minutes with Experian only to have them conveniently hang up while still on hold. Neither Experian or Contract Callers have responded or acted in accordance with the FCRA. I have told both parties that their actions, or lack of action, is against FCRA they respond as if nothing will happen by reporting it to the CFPB. 

Please help.
Product: Payday loan, title loan, or personal loan

Comenity Bank. I've never even heard of this bank. I went to a presentation for XXXX XXXXXXXX XXXX timeshare program and declined to purchase. I did not sign up or purchase a membership ; however the company used my information and opened a Credit Line at Comenity Bank, for {$5800.00} in my name. I asked them multiple times what they were doing with my information and was told they would only do an XXXX  credit check. This credit check was then used to obtain an unauthorized line of credit in my name without my consent, knowledge, or permission. This is a huge line of credit that I tried to get closed, but the representative at Comenity bank was not helpful and now this is really hurting my credit score while I'm trying to refinance my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

An Attempt to secure a loan through XXXX was negative- declined due to they could not identify me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was under the impression no credit check would be done but subsequently found out they used a company called XXXX XXXX " XXXX XXXX, XXXX is a credit reporting agency that provides information to our customers, who in turn decide whether or not to offer credit or services to consumers. If your application has been denied by a subscriber of our services, their decision may have been based on the information provided to them by us. '' ] Clarity partners with Experian whom I have a umber of complaints open with! I felt this was a sham. Attempts to contact XXXX proved long wait time and not return calls! They are a partner with Experian and should have had access to any and all information concerning me. XXXX XXXX was aware I had a security freeze but as stated " NO '' credit would be pulled. '' Then why this?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX Capital XXXX Acct # XXXX The Bank Of XXXX XXXX XXXX Acct # XXXX Bank XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX  Acct # XXXX North Carolina Bankruptcy Report 15.U.S.C. 1681 Section 602 A. States I have a right to privacy. 15.U.S.C. 1681 Section 604 A Section:2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15.U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more then seven years. 15.U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurat
e.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. 
# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 
# # # Inaccurate Collection Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : Fraudulent Accounts in Collection : XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. 

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Bank account or service

BBVA COMPASS HAS RESPONDED TO COMPLAINT BUT IS ONLY RESPONDING ABOUT ONE ACCOUNT AND IS IGNORING COMPLAINTS ON OTHER ACCOUNTS. ALSO, I HAVE RECEIVED NO CALL FROM AN INVESTIGATOR AND HAVE LEFT MESSAGES AND FAXES FOR XXXX XXXX MANY MANY MANY TIMES AND GET NO RESPONSE. I WANT TO KNOW WHEN TO EXPECT THIS ISSUE RESOLVED. I JUST WANT THE ACCOUNTS CLOSED. AS I EXPLAINED TO " XXXX '' CUSTOMER SERVICE FLOOR MANAGER, THE FINAL DISPUTE OF XXXX TRANSACTIONS WAS DUE IN LARGE PART TO LACK OF COMMUNICATION FROM BANK. CAN YOU PLEASE ADVISE WHEN TO EXPECT RESOLUTION?
Product: Debt collection

I called XXXX XXXX Services at XXXXXXXX XXXX on XX/XX/XXXX. They took my information, and offered to settle for {$270.00}. Then, then they sent a notice to our estate 's attorney specifying the full amount of the debt, which I strongly suspect was a violation of the Fair Debt Collection Practices Act, and was certainly unethical. 

Their reference number on the notice was XXXX.
Product: Credit reporting or other personal consumer reports

Experian did not validate, verify nor inform me on the steps they take to investigate a claim
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure how the negative items ended up on my credit report. I noticed all the bad accounts inXX/XX/XXXX when I decided to check my credit reports. I believe these items occurred due to identity theft. There are many addresses on my credit report that do not belong to me. I filed an ID theft affidavit and have reported the errors to the credit bureaus. Most of the activity occurred in the past few months. However, there was also some activity on my credit 5 years ago. I did not notice these errors til now because I did not monitor my credit regularly. I would like these accounts removed from all 3 credit bureaus so I can start over.
Product: Credit reporting or other personal consumer reports

I explained to the credit bureaus that these happened without my knowledge and these accounts were added fraudulently but they still remained thereafter blatantly violating my consumer rights. I filed an ftc affidavit and forwarded another affidavit to the accused parties which are XXXX, Equifax, and XXXX due to be delivered at a later date. These are accounts I did not authorize or give consent to open or inquire upon my credit profile. 
Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Auto Finance XXXX XXXX XXXX XXXX XXXX  Card 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

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 XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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 reporting or other personal consumer reports

I obtaind a copy of my credit report from XXXX, XXXX and Equifax and noticed several unauthorized inquiries. The inquiries were NOT authorized by me and I have demanded to have the inquiries removed or provided proof that I authorized my credit to be pulled by the companies. 

I was never provided proof/documents showing where I authorized the inquiries.
Product: Debt collection

I missed my last XXXX payments for my auto insurance accidentally and company send me a notice email to pay my due {$170.00}. I paid my due on XX/XX/2022 after my first notice but still the XXXX XXXX sent to collections through CCS Collections agency. As per XXXX XXXX Notice email, if i dont pay before XX/XX/2022, my due will be sent to collections but i paid on XX/XX/2022 itself. I informed the same to CCS Collections multiple times, but they are not removing the due from my account and when i raise dispute on this, they are responding it as accurate. I have proof of payment to XXXX XXXX and i will be attaching with this compliant.
Product: Credit card

On XX/XX/year>, through XXXX XXXX Mail with Return Receipt, I mailed XXXX a Negotiable Instrument as Tender of Payment by way of a United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount {$9000.00} ( XXXX XXXX dollars and XXXX cents ) with a written provision for Valuable Consideration and Accord and Satisfaction of the alleged debt upon redeeming my Instrument ( tracking number XXXX ; delivered and signed for on XX/XX/year> ). 

My husband ( spouse ), XXXX XXXX XXXX filed a request for copies and receipts of the cashed/deposited Money Order from the XXXX XXXX XXXX XXXX XXXX United States XXXX XXXX XXXX XXXX XXXX XXXX Federal Reserve Bank XXXX Ive submitted XXXX ( XXXX ) and copies from both the United States Postal Service and XXXX Federal Reserve Bank XXXX XXXX instruments were accepted and cashed and/or deposited by TRUIST. Ive included proper instructions that the Money Order/ Negotiable Instrument was supposed to be specially deposited and not cashed like a regular a money order and for any overages in the form of a refund check to be mailed back to me. TRUISTs employees were supposed to credit my account accordingly, in order to balance the account and set off any alleged debt obligations -- instead they ignored the provisions of my Negotiable Instrument along with my instructions and cashed it and recorded it as a regular payment but did not credit my account, as they were supposed to. This is clearly XXXX of XXXX XXXX of Payments, which is considered a crime, specifically a felony. 

By way of my online account with XXXX Ive included an account statement which shows how my account was credited only for the minimal payment of {$100.00} ( on XX/XX/year> ) while the provisions and written instructions clearly state the instrument is worth {$9000.00} or more. 

In summary, the Negotiable Instrument ( or XXXX XXXX as legal tender ) was deposited as instructed however, TRUISTs employees failed to credit my account in the amount of {$9000.00} as instructed. Their neglect to properly handle my XXXX and record my credit ( XXXX ) has caused me financial hardship, pain and emotional distress.
Product: Checking or savings account

CHIME STOLE MY MONEY!!!!!! I want all my money back that i had in my account when it was closed. I will be looking to sue your company!! You guys hung the phone up in my face when I tried to update my address, your company needs to be shut down!!!
Product: Debt collection

The debt in question was more of falsely using my credit profile against me by setting up fraudulent debt of {$830.00} and then asking for XXXX XXXX through debt collection agencies. This purported debt has been disputed and canceled 5 times already. Now a new collection agency ( JEFFERSON CAPITAL SYST Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) is harassing me for the same debt from XXXX XXXX and a representative of the collection agency is asking for lewd relationship with me over the phone for a fraudulent charge on phone service that was discarded since XX/XX/XXXX and threatening arrest, lawsuits and imprisonment if I do not comply. This treacherous mockery has dropped my credit below XXXX and I want {$18.00} XXXX for the damage conducted on my credit history and Scores due to a major XXXX from XXXX - XXXX.
Product: Mortgage

Our mortgage on our second peoperty ( condo ) was sold to green tree and we became behind in payments. We went through modification but were denied. We submitted  XXXX  short sale offers which were never acted on by green tree. Foreclosure happened. We never received anything in mail explaining the short sale offer denials nor the foreclosure. For info i had to ca ll the county prop erty tax office. Our credit of course was dramatically impacted affecting many aspects of our life.
Product: Credit reporting or other personal consumer reports

Account # XXXX is reporting on my credit report and this account needs to be Deleted. The company is NOT licenses or has Registration to collect debt in the state of Georgia. Please provide me verification of the license to collect debt in my state and I am requesting a copy of any agreements, contract or documents bearing my signature validating my obligation to pay this debt. 

Please respond to this validation request in writing within 30 days from the date of receipt of this letter. Any further collection activities without validating this debt will be considered a violation of the FDCPA. FCRA Law Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. Please remove this account immediately from my credit report. I requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g.